{
      "tool_id": "art-233-check-card-act-ability-to-pay",
      "tool_version": "1.0.0",
      "display_name": "Check CARD Act Ability to Pay",
      "mcp_name": "check_card_act_ability_to_pay",
      "mandate_type": "compliance_mandate",
      "wave": 39,
      "gpu": false,
      "url": "https://ainumbers.co/chaingraph/art-233-check-card-act-ability-to-pay.html",
      "description": "Evaluates a credit card application against CARD Act §1026.51 ability-to-pay requirements. Computes monthly minimum payment from the requested credit limit and minimum payment percentage. Checks DTI against the 45% threshold using income and assets. Applies the under-21 independent-income restriction (§1026.51(b)). Reports the §1026.52(b) penalty fee safe harbor ($32 first violation / $43 subsequent). CFPB $8 late fee rule vacated January 17, 2025 (Fifth Circuit, No. 24-10266); $32/$43 thresholds remain in effect.",
      "input_schema_ref": "chaingraph/art-233-check-card-act-ability-to-pay.html#manifest",
      "consumes": [],
      "feeds": [
        "art-228-build-adverse-action-notice"
      ],
      "status": "live",
      "conformance_fixtures": true,
      "compute_capability": "server",
      "compute_images": [{"system":"sha256-source","image_id":"sha256:d86f9301b3835cd8d80c1ed5bfa8cc607bbeb1876e91b2482c16eb64316db228","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": "G5sdbSeQs4p8i0XGI87ca/Hn/D9QM+4j3z/K5Y2ymUIFtX3caRhSpBpq1HrGzTNvuAwoNSq8xiQZXKc0tUnq+SBksIQWtYYteyFmHNCgHhyvpZma0t66uzmK9NhSMH1XKDCwOEdIIPgvlcWRQ0Qq6Rb0boYj72Z4JV1PNN/2pTcmDrIGu6TXkH/0s5y/rWDu7kIybcwwtmXjOi9Wdm2BUAC5s6drxd+zgwTgG4fbsZh3VTHi9XmSJf7kmAA30xqNH6H0FkbaT44dTkj2KI58zIjOXG3Rm1KW9ynBqNs4/Nkjg18qpanq3FtCLLMEl65SvyMmOBclWnSeZ6WBm7aZpQ==",
        "journal": {
          "chaingraph_version": "0.4.0",
          "kernel_digest": "sha256:d86f9301b3835cd8d80c1ed5bfa8cc607bbeb1876e91b2482c16eb64316db228",
          "output": {
            "ability_to_pay_result": "REQUIRES_COSIGNER_UNDER_21",
            "annual_income": 0,
            "annual_minimum_payments_est": 240,
            "dti_ratio": 999,
            "dti_threshold": 0.45,
            "has_cosigner": false,
            "income_and_assets": 0,
            "method_a_sufficient": false,
            "method_b_sufficient": false,
            "method_used": "income_assets",
            "monthly_debt_obligations": 0,
            "monthly_housing_payment": 0,
            "monthly_income": 0,
            "monthly_minimum_payment_est": 20,
            "penalty_fee_safe_harbor": {
              "first_violation": 32,
              "rule_note": "CFPB $8 late-fee rule vacated Jan 2025; safe harbor reverts to 2024 CFPB CPI index values per 12 CFR §1026.52(b)(1)(ii)",
              "subsequent_within_6_cycles": 43,
              "table_version": "2024-01-01"
            },
            "pii_note": "All inputs are processed locally in your browser. No data is transmitted.",
            "regulatory_basis": "15 USC §1665e (CARD Act §109); 12 CFR §1026.51 (ability to pay); 12 CFR §1026.51(a)(2) (under-21); 12 CFR §1026.52(b) (penalty fee safe harbor)",
            "requested_credit_limit": 1000,
            "requires_cosigner": true,
            "table_source": "CARD Act of 2009 Pub. L. 111-24 §109; 12 CFR §1026.51 (effective Aug 22 2010); 12 CFR §1026.52(b)(1)(ii)(A) $32 first-violation safe harbor (2024); 12 CFR §1026.52(b)(1)(ii)(B) $43 subsequent safe harbor (2024); CFPB CPI adjustment 2024-01-01",
            "table_version": "CARD-ACT-REG-Z-1026-51-52-2024",
            "total_assets": 0,
            "total_monthly_obligations": 20,
            "under_21_restriction": true
          }
        }
      }
    }