{
      "tool_id": "art-267-check-producer-license-reciprocity",
      "tool_version": "1.0.0",
      "display_name": "NAIC Producer License Reciprocity Check",
      "mcp_name": "check_producer_license_reciprocity",
      "mandate_type": "compliance_mandate",
      "wave": 45,
      "gpu": false,
      "url": "https://ainumbers.co/chaingraph/art-267-check-producer-license-reciprocity.html",
      "description": "Checks NAIC producer license reciprocity for non-resident filing across target states per MDL-218 and NIPR Reciprocity Matrix 2024. Returns all_reciprocal (bool), non_standard_states[] (CA, FL, NJ, NY, HI, MN, WI -- require independent filing), and coverage_by_target[] with per-state reciprocal flag, LOA gaps, and independent-filing notes. State codes and NAIC LOA enum codes only. No National Producer Numbers. Zero PII by construction.",
      "input_schema_ref": "chaingraph/art-267-check-producer-license-reciprocity.html#manifest",
      "consumes": [],
      "feeds": [],
      "status": "live",
      "conformance_fixtures": true,
      "compute_capability": "server",
      "compute_images": [{"system":"sha256-source","image_id":"sha256:0120faf130b1725fa559dce448a0de45da7826fbc88e6b8377b94f361601beea","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": "DcBpiJN3JUGcyPdAxwEUHkbVT+b4h7nc15O3Jl8IflknzQHbU3nz5UKzGGek9TQy5aSOTiOGXF+yUnocTSbsdRmNwf8nH8kUhYvPusT/LIX6Ngs41ScwKVHv94JbzKMVEEZ95aPHfTxz2/tXof+1DOK6IDXwCXNmHn/v+/oWdB0mfHzKpjYzO0lk7o+FO4CZSrlRZqAErVTJFSfT9Y6EeQAZ1STbpvmebX39i4rUD5uHcAq8Kty/BBkNXfO6BBFABN/zCe7D4WiFKTpSnUcZi+dwfRkbGQzX7pZgQMqRwxAt2/uoClY0DVuSxR0YwyMz6zu+Z3EvoLXSDWRB/AieNQ==",
        "journal": {
          "chaingraph_version": "0.4.0",
          "kernel_digest": "sha256:0120faf130b1725fa559dce448a0de45da7826fbc88e6b8377b94f361601beea",
          "output": {
            "all_reciprocal": true,
            "coverage_by_target": [
              {
                "flags": [],
                "is_non_standard": false,
                "loa_gaps": [],
                "note": "Standard NAIC reciprocity applies; non-resident license available without exam",
                "reciprocal": true,
                "target_state": "TX"
              },
              {
                "flags": [],
                "is_non_standard": false,
                "loa_gaps": [],
                "note": "Standard NAIC reciprocity applies; non-resident license available without exam",
                "reciprocal": true,
                "target_state": "IL"
              },
              {
                "flags": [],
                "is_non_standard": false,
                "loa_gaps": [],
                "note": "Standard NAIC reciprocity applies; non-resident license available without exam",
                "reciprocal": true,
                "target_state": "CO"
              }
            ],
            "invalid_loa_codes": [],
            "loa_codes": [
              "L",
              "H",
              "A"
            ],
            "non_standard_states": [],
            "not_legal_advice": "Not legal advice. Producer licensing requirements change; verify all reciprocity determinations with NIPR and state insurance departments before submitting non-resident license applications.",
            "pii_note": "ZERO PII: state codes and LOA enum codes only. No NPN, SSN, PDB, producer name, or personal data enters this kernel. Use NIPR for live NPN verification.",
            "regulatory_basis": "NAIC Producer Licensing Model Act (MDL-218): reciprocal licensing for non-resident producers if resident state has substantially similar licensing requirements. 50 USC producer licensing: state-specific. NIPR Gateway = authoritative current data. ZERO PII: state/LOA enum inputs only. Never real NPN, SSN, or PDB data.",
            "resident_state": "OR",
            "table_source": "NAIC State-Based Systems Producer Licensing Reciprocity Matrix 2024; NIPR Reciprocity Data 2024. Non-standard states: CA (no non-resident reciprocity), FL (background check required), NJ (limited life LOA), NY (independent license required), HI (limited), MN (state exam required), WI (limited P&C). Verify current matrix with NIPR before any license filing.",
            "table_version": "NAIC-PRODUCER-RECIPROCITY-MATRIX-2024",
            "target_state_count": 3
          }
        }
      },
      "compute_proof_ready": "ready"
    }