{
      "tool_id": "art-234-test-hoepa-high-cost",
      "tool_version": "1.0.0",
      "display_name": "HOEPA High-Cost Mortgage Trigger Test",
      "mcp_name": "test_hoepa_high_cost",
      "mandate_type": "compliance_mandate",
      "wave": 39,
      "gpu": false,
      "url": "https://ainumbers.co/chaingraph/art-234-test-hoepa-high-cost.html",
      "description": "Tests all three HOEPA high-cost mortgage triggers per Reg Z §1026.32(a)(1): (i) APR trigger (APOR+6.5pp first-lien, APOR+8.5pp subordinate or dwelling below $50k); (ii) points-and-fees trigger (5% of loan or $1,380 floor, 2026, FR 2025-22773); (iii) prepayment penalty trigger (>36 months or >2% of prepaid amount). Outputs is_high_cost plus which triggers fired. Consumes art-220 (lookup_reg_z_thresholds) for the pinned HOEPA threshold table. Use test_hpml_escrow (art-235) for HPML escrow, not HOEPA. Use check_qm_points_and_fees (art-218) for the QM points-and-fees ability-to-repay test.",
      "input_schema_ref": "chaingraph/art-234-test-hoepa-high-cost.html#manifest",
      "consumes": [
        "art-220-reg-z-threshold-lookup"
      ],
      "feeds": [],
      "status": "live",
      "conformance_fixtures": true,
      "compute_capability": "server",
      "compute_images": [{"system":"sha256-source","image_id":"sha256:e5a263ed1661368515b9067ec68da298ff6673a824b28c901bb1325bcf51a2a7","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": "Gl8A7VFBM6UzpU9ct+CI0PAZk9lAkdOzq1v2QRRtuJwrIWFi/8SCu/iCr+pFQSWoV1BzbK9i1MC26dGBH1ypTiMtxhUCh1Kni1slwuJ6fPP/ZFUA94PQGaE5yThkY1AQJXrNyp5W06oGh0q+ZcCWjfG4mRx4bXaX448bH7Pgclwb3h1qy+1z6z1kh+3kcA4fHhkrqk04YddkXAfjV+Q47Qym9v/5k2/W9a1IlWPDWG1SAq0vQJCGy62K9NbplZOwKEGml+xWCBW+FsYZ2O1jXTSnEfxfTMpfRnb4JETlvG4H3ic5Y1+U9f54m52vDszkTncxonkkKZvNZrKxmlYMYg==",
        "journal": {
          "chaingraph_version": "0.4.0",
          "kernel_digest": "sha256:e5a263ed1661368515b9067ec68da298ff6673a824b28c901bb1325bcf51a2a7",
          "output": {
            "apor_pct": 5.5,
            "apr_pct": 12.5,
            "apr_spread_pct": 7,
            "apr_threshold_basis": "first_lien_standard_6.5pp",
            "apr_threshold_pct": 6.5,
            "apr_trigger_met": true,
            "consumes": "art-220 (lookup_reg_z_thresholds) supplies the HOEPA threshold table (table: hoepa). This node pins the same values for local deterministic compute.",
            "fr_citation": "FR 2025-22773, effective 2026-01-01; 12 CFR §1026.32(a)(1)(ii)",
            "has_prepayment_penalty": false,
            "is_high_cost": true,
            "is_small_dwelling": false,
            "lien_type": "first",
            "loan_amount": 400000,
            "note": "HOEPA restrictions apply if ANY trigger is met. APOR must be supplied by caller from FFIEC weekly APOR table (ffiec.gov/ratespread). For HPML escrow requirement: use art-235 (test_hpml_escrow).",
            "points_and_fees": 5000,
            "points_fees_floor": 1380,
            "points_fees_limit": 20000,
            "points_fees_limit_pct": 5,
            "points_fees_trigger_met": false,
            "pp_pct_limit": 2,
            "pp_period_limit_months": 36,
            "prepayment_penalty_pct": 0,
            "prepayment_penalty_period_months": 0,
            "prepayment_penalty_trigger_met": false,
            "regulatory_basis": "12 CFR §1026.32(a)(1) HOEPA high-cost mortgage trigger test. APR trigger: §1026.32(a)(1)(i). Points-and-fees trigger: §1026.32(a)(1)(ii). Prepayment penalty trigger: §1026.32(a)(1)(iii).",
            "table_version": "HOEPA-REGZ-2026-01-01",
            "triggers_fired": [
              "apr_trigger"
            ],
            "year": 2026
          }
        }
      }
    }