{
      "tool_id": "art-254-compute-rbc-action-level",
      "tool_version": "1.0.0",
      "display_name": "NAIC RBC Action Level Calculator",
      "mcp_name": "compute_rbc_action_level",
      "mandate_type": "compliance_mandate",
      "wave": 43,
      "gpu": false,
      "url": "https://ainumbers.co/chaingraph/art-254-compute-rbc-action-level.html",
      "description": "Computes NAIC Risk-Based Capital (RBC) action level classification for US P&C, life, and health insurers. RBC ratio = TAC / ACL * 100%. Action levels: NO_ACTION (>=200%), COMPANY_ACTION (150-200%), REGULATORY_ACTION (100-150%), AUTHORIZED_CONTROL (70-100%), MANDATORY_CONTROL (<70%). Also runs the NAIC trend test (10+ ppt decline two consecutive years with ratio <250%) when prior-year data supplied. Applies NAIC RBC Model Laws #312 (life), #315 (P&C), #315H (health). Use in insurer-rbc-action-level chain (gated on NO_ACTION). ZERO PII: capital totals only.",
      "input_schema_ref": "chaingraph/art-254-compute-rbc-action-level.html#manifest",
      "consumes": [
        "art-253-run-illustration-selfsupport-test"
      ],
      "feeds": [
        "art-257-calculate-claims-stp-economics"
      ],
      "status": "live",
      "conformance_fixtures": true,
      "compute_capability": "server",
      "compute_images": [{"system":"sha256-source","image_id":"sha256:a55fcead8d91066d4678479d0792b6faacc67a98b724625025533952be8d0ec3","valid_from":"2026-07-10"},{"system":"risc0","image_id":"sha256:a1a0bc89b5b1febaeda3519f6dbade0fa5ac16beeb143c4e1b01689573567bc6","valid_from":"2026-07-05"}],
      "export_capability": [
        "json"
      ],
      "compute_proof": {
        "type": "ZkVmReceipt",
        "system": "risc0",
        "receiptFormat": "groth16-bn254",
        "imageId": "sha256:a1a0bc89b5b1febaeda3519f6dbade0fa5ac16beeb143c4e1b01689573567bc6",
        "seal": "EFw4KbsmUwc0LmW1T+GGa0R8eehb8PYL3mH5116ulecjXVPow9JC8qQmlQksW6DY05qM97JxMnDeW21gLPLrgSKNCmveZ8x9u6ZDhy01ExCBLUuWA04bky4iipe0xpcXGFwu6oKHZUJ4rVyXNz8bbs4q6zyrzvkwDp7jCRljqJcCmt/Tl5LZS6m9oZYeGT6vK9GHJnJzWl+O06oQfmiXYBjdnTCg83RtmxdKvYBb4STNwtRZBCq+lunlGbv+7wZCExSpvkQzO399O6zzz8i5GZIC1xJ3Aphui8UTBsEDtsYnQUDBNdi9xL0xX+iWUpgCGyH5VpajgaPrPr4n5tp0lg==",
        "journal": {
          "chaingraph_version": "0.4.0",
          "kernel_digest": "sha256:a55fcead8d91066d4678479d0792b6faacc67a98b724625025533952be8d0ec3",
          "output": {
            "action_level_code": "NO_ACTION",
            "action_level_description": "Above 200% ACL — no NAIC regulatory action required.",
            "action_level_label": "No Action Level",
            "action_levels_reference": [
              {
                "code": "MANDATORY_CONTROL",
                "description": "Regulatory takeover authority. State must take action to protect policyholders.",
                "label": "Mandatory Control Level",
                "rbc_pct_acl": 70
              },
              {
                "code": "AUTHORIZED_CONTROL",
                "description": "State authorized but not required to take control.",
                "label": "Authorized Control Level",
                "rbc_pct_acl": 100
              },
              {
                "code": "REGULATORY_ACTION",
                "description": "Detailed corrective action plan required; state can examine/require action.",
                "label": "Regulatory Action Level",
                "rbc_pct_acl": 150
              },
              {
                "code": "COMPANY_ACTION",
                "description": "Company must file RBC plan with comprehensive corrective strategy.",
                "label": "Company Action Level",
                "rbc_pct_acl": 200
              },
              {
                "code": "NO_ACTION",
                "description": "Above 200% ACL — no regulatory action required.",
                "label": "No Action Level",
                "rbc_pct_acl": null
              }
            ],
            "authorized_control_level": 100000000,
            "headroom_to_next_level_pct": 100,
            "insurer_type": "pc",
            "not_legal_advice": "Not legal or actuarial advice. RBC calculations require review by a qualified actuary and the applicable state insurance department. NAIC RBC Ratio is not the sole indicator of insurer solvency.",
            "pii_note": "ZERO PII: capital totals and RBC formula components only. No policyholder, premium, or personal data enters this kernel.",
            "prior_year_rbc_ratio": null,
            "rbc_ratio_pct": 300,
            "regulatory_basis": "NAIC RBC Model Laws #312 (life), #315 (P&C), #315H (health). Action levels: Company Action (200% ACL), Regulatory Action (150%), Authorized Control (100%), Mandatory Control (70%). TAC/ACL calculation follows the applicable NAIC RBC formula for the insurer type.",
            "table_source": "NAIC RBC Instructions (2024 edition): Life RBC (LR023), P&C RBC (Exhibit 1), Health RBC (HR-1). NAIC Model Laws: Life Insurance RBC Model Law #312, P&C RBC Model Law #315, Health RBC Model Law #315H.",
            "table_version": "NAIC-RBC-ACTION-LEVELS-2024",
            "threshold_breached_pct": null,
            "total_adjusted_capital": 300000000,
            "trend_test_applicable": false,
            "trend_test_triggered": false,
            "two_year_rbc_ratio": null
          }
        }
      },
      "compute_proof_ready": "ready"
    }