{
      "tool_id": "art-231-compute-mla-mapr",
      "tool_version": "1.0.0",
      "display_name": "Compute MLA MAPR",
      "mcp_name": "compute_mla_mapr",
      "mandate_type": "compliance_mandate",
      "wave": 39,
      "gpu": false,
      "url": "https://ainumbers.co/chaingraph/art-231-compute-mla-mapr.html",
      "description": "Computes the Military Annual Percentage Rate (MAPR) per 32 CFR §232.4(c) and checks compliance with the 36% cap. MAPR includes all charges excluded from Reg Z APR: credit insurance premiums, debt suspension/cancellation fees, annual membership fees, participation fees, and application fees (credit card only). Bona fide fee exemption: $100/year maximum. Flags MAPR_EXCEEDS_CAP_VIOLATION when MAPR > 36%. DoD MLA rule (32 CFR Part 232), effective October 3, 2016.",
      "input_schema_ref": "chaingraph/art-231-compute-mla-mapr.html#manifest",
      "consumes": [],
      "feeds": [
        "art-232-compute-scra-rate-cap"
      ],
      "status": "live",
      "conformance_fixtures": true,
      "compute_capability": "server",
      "compute_images": [{"system":"sha256-source","image_id":"sha256:e9b9b082247169960162cead0f1a9f635aa7316903b963cd3f500366aafc3625","valid_from":"2026-07-10"},{"system":"risc0","image_id":"sha256:a1a0bc89b5b1febaeda3519f6dbade0fa5ac16beeb143c4e1b01689573567bc6","valid_from":"2026-07-04"}],
      "export_capability": [
        "json"
      ],
      "compute_proof_ready": "ready",
      "compute_proof": {
        "type": "ZkVmReceipt",
        "system": "risc0",
        "receiptFormat": "groth16-bn254",
        "imageId": "sha256:a1a0bc89b5b1febaeda3519f6dbade0fa5ac16beeb143c4e1b01689573567bc6",
        "seal": "A9PxeMvm6a6NpHs1YLa/WLltSnChnhyX2b2+CkTvli8rzk8QdFkk1Z4YdOSZRlJFFrXzSZifBdWiQ1+wm2Fk+wrgNfdfhWWmXD+zT8TLwjAfuBJAqSDzJtOZxsolJ0QWFJncc/8b3XRdadluLDYnwuZ/BW64GOVAw7zo62XmWHYurAiSftIlFE94nNJd6hTRuJv/uqvHwiZCuLpD5O6kaxDQUDqB+JPKH6atezwzRKRPZXEKrJ2yeIq2nq6F9iuKD2Xp7+zs0NALhZ3I7wHNcI1fGCGn+5oXHzkCIH/YRNoCkfz0+5XWW3sBzmcBNuT5lI3DKcw0LHW/XCYfpFyJGA==",
        "journal": {
          "chaingraph_version": "0.4.0",
          "kernel_digest": "sha256:e9b9b082247169960162cead0f1a9f635aa7316903b963cd3f500366aafc3625",
          "output": {
            "application_fee_excluded": 0,
            "bona_fide_fee_annual_limit": 100,
            "credit_card_annual_fee_included": 0,
            "credit_insurance_premium_total": 200,
            "effective_finance_charge": 800,
            "exceeds_cap": false,
            "is_credit_card": false,
            "loan_amount": 10000,
            "mapr_cap_pct": 36,
            "mapr_pct": 28,
            "participation_fee_excluded": 0,
            "pii_note": "All inputs are processed locally in your browser. No data is transmitted.",
            "regulatory_basis": "10 USC §987(b); 32 CFR §232.4(c); DoD MLA rule effective Oct 3, 2016",
            "stated_apr_pct": 28,
            "table_source": "10 USC §987(b); 32 CFR Part 232 (Federal Register 80 FR 43560 Jul 22 2015, effective Oct 3 2016); 32 CFR §232.4(c)(1)(iii)(A) bona-fide participation fee $100/yr annual exclusion; 32 CFR §232.4(c)(1)(iii)(B) bona-fide application fee exclusion",
            "table_version": "MLA-DOD-32CFR232-2016-10-03",
            "term_months": 12,
            "total_excluded_charges": 0,
            "total_includable_charges": 1000
          }
        }
      }
    }