{
      "tool_id": "art-235-test-hpml-escrow",
      "tool_version": "1.0.0",
      "display_name": "HPML Definition and Escrow Requirement Test",
      "mcp_name": "test_hpml_escrow",
      "mandate_type": "compliance_mandate",
      "wave": 39,
      "gpu": false,
      "url": "https://ainumbers.co/chaingraph/art-235-test-hpml-escrow.html",
      "description": "Tests whether a loan qualifies as a Higher-Priced Mortgage Loan (HPML) per Reg Z §1026.35(a)(1): APOR+1.5pp first-lien, APOR+2.5pp jumbo, APOR+3.5pp subordinate (Dodd-Frank structural thresholds, unchanged since 2014). Applies §1026.35(b)(1) escrow requirement for first-lien HPMLs and checks §1026.35(b)(2) exemptions (rural or underserved small creditor, condo master policy). Consumes art-220 (lookup_reg_z_thresholds) for the pinned HPML threshold table. For HOEPA high-cost triggers (APOR+6.5pp/8.5pp): use test_hoepa_high_cost (art-234), not this node.",
      "input_schema_ref": "chaingraph/art-235-test-hpml-escrow.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":"sha256:41826ca9f3d3ba48ad150289c96f2aad017594ea96ff49fb448fabf84fdb6bef","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": "DIxHdZNT7yvo9XM8vAzDM/uHR/B12GzOM0JyQyr5NPUH7PTaHgAJH6O48GM5p+Ukjvu28+Ud2pO1zVsb3zSsRwU9a+qX17lMHRYwhTMI4W0XLoKtSjtb7BFL8jJGjHUoBZ9i4hMkwpUWnOSAP5INrGwn2gvp2J+fU5NDapFBmlsYaILJVSyDz5wgeIhF0fhvblNh75HDMMI6KK2h37dCTBypGtd7ElWF0BURRWQj2wKwE8wr8+CRQn9rxlGMV6tOGt6ObsuwyBTGMw8AF3EPA5Np+XxNAfn13EnxqCN/IGESVHud3JdwZXp5vlAdqoVYEOGD25SQGrDM/0zxeHyQ4Q==",
        "journal": {
          "chaingraph_version": "0.4.0",
          "kernel_digest": "sha256:41826ca9f3d3ba48ad150289c96f2aad017594ea96ff49fb448fabf84fdb6bef",
          "output": {
            "apor_pct": 5.5,
            "apr_pct": 7.5,
            "apr_spread_pct": 2,
            "consumes": "art-220 (lookup_reg_z_thresholds) supplies the HPML threshold table (table: hpml). HPML spread thresholds (1.5/2.5/3.5 pp) are structural Dodd-Frank values, not CPI-adjusted.",
            "escrow_exemption": null,
            "escrow_exemption_basis": null,
            "escrow_required": true,
            "fr_citation": "Reg Z §1026.35(a)(1); Dodd-Frank Act; Reg Z §1026.35 Final Rule (FR 2013-01730, eff. Jan 10, 2014). Structural thresholds unchanged since 2014.",
            "is_hpml": true,
            "is_jumbo": false,
            "lien_type": "first",
            "note": "HPML escrow applies to first-lien transactions only; subordinate liens are not subject to §1026.35(b) escrow. For HOEPA high-cost test (APOR+6.5pp/8.5pp): use art-234 (test_hoepa_high_cost). APOR must be supplied by caller from FFIEC weekly table (ffiec.gov/ratespread).",
            "regulatory_basis": "Reg Z §1026.35(a)(1) HPML definition; §1026.35(b)(1) escrow requirement (first-lien HPML, minimum 5 years); §1026.35(b)(2) rural/underserved small creditor and condo master-policy exemptions.",
            "spread_threshold_basis": "first_lien_standard_1.5pp",
            "spread_threshold_pct": 1.5,
            "table_version": "HPML-REGZ-2026-01-01",
            "year": 2026
          }
        }
      }
    }