{
  "tool_id": "art-398-lint-metro2-record",
  "tool_version": "1.0.0",
  "display_name": "Metro 2 Credit-Reporting Record Lint",
  "mcp_name": "lint_metro2_record",
  "mandate_type": "compliance_mandate",
  "wave": 47,
  "gpu": false,
  "url": "https://ainumbers.co/chaingraph/art-398-lint-metro2-record.html",
  "description": "Lints a Metro 2 credit-reporting base-segment record from a PUBLIC SUBSET of the format: field presence/format, account-status and payment-rating code validity, and DOFD (date of first delinquency) cross-field consistency per FCRA 15 U.S.C. Sec 1681c(a)(4)-(5), including the 7-year-plus-180-day obsolescence check. Does not implement the CDIA Credit Reporting Resource Guide (CRRG), a licensed proprietary document -- J1/J2/K1-K4 segments are checked as presence flags only. Part of the record-integrity family alongside lint_x12_claim_records (art-399), check_official_statement_completeness (art-400), and validate_form5500_schedules (art-401).",
  "input_schema_ref": "chaingraph/art-398-lint-metro2-record.html#manifest",
  "consumes": [],
  "feeds": [],
  "status": "live",
  "conformance_fixtures": true,
  "compute_capability": "server",
  "compute_images": [
    {
      "system": "sha256-source",
      "image_id": "sha256:608cb6a37764d1dacf9fac00e70b7a86486cfe76f10dc6c83b8ab87a4de8d3e5",
      "valid_from": "2026-07-10"
    },
    {
      "system": "risc0",
      "image_id": "sha256:a1a0bc89b5b1febaeda3519f6dbade0fa5ac16beeb143c4e1b01689573567bc6",
      "valid_from": "2026-07-10"
    }
  ],
  "export_capability": [
    "json"
  ],
  "compute_proof_ready": "ready",
  "compute_proof": {
    "type": "ZkVmReceipt",
    "system": "risc0",
    "receiptFormat": "groth16-bn254",
    "imageId": "sha256:a1a0bc89b5b1febaeda3519f6dbade0fa5ac16beeb143c4e1b01689573567bc6",
    "seal": "BWaSB1UsW6kuToYP6Xz/xC8JW24urSVFZTPNu/+UXgYgm1YJSZlB9vSSOo5rdKAMbd3FTCUhFPcn2D0c3pU/4hJry6GFeS8jUZYRb7Djc1v0PtNRn9RaZtkj+GtBKhCQI/bg50S/pkwUjCFdsQbYdksNY9W9Pt0FU9W4/1xbdHMVxPvlUXixHoIjEYFycHIMU1tf/lw+Rq7Po4y8yyGnoRmc2M+sBjHSwygLcemSnU9nJ/J7HMMlSqz3gIi2feuVDqPNKW8N2kJcd7DmlTtkTSGe7ZFwi4IEMO9bVT0XCHstkW6NjAykPJLjSxMoawdghETdE7mFP+QO6IYpb9v/mw==",
    "journal": {
      "chaingraph_version": "0.4.0",
      "kernel_digest": "sha256:608cb6a37764d1dacf9fac00e70b7a86486cfe76f10dc6c83b8ab87a4de8d3e5",
      "output": {
        "compliant": true,
        "disambiguation": "lint_metro2_record checks Metro 2 base-segment field presence/format, account-status and payment-rating code validity, and DOFD/obsolescence cross-field consistency, all from a PUBLIC SUBSET of the format (not the licensed CRRG).",
        "error_count": 0,
        "field_status": {
          "account_status": {
            "present": true,
            "valid": true
          },
          "account_type": {
            "present": true
          },
          "current_balance": {
            "present": true,
            "valid": true
          },
          "date_of_first_delinquency": {
            "age_days": null,
            "present": false,
            "valid": true
          },
          "date_opened": {
            "present": true,
            "valid": true
          },
          "date_reported": {
            "present": true,
            "valid": true
          },
          "j1_segment_present": false,
          "j2_segment_present": false,
          "k_segment_present": false,
          "payment_rating": {
            "present": true,
            "valid": true
          }
        },
        "is_delinquent_status": false,
        "issues": [],
        "metro2_subset_score": 100,
        "obsolete_per_fcra": false,
        "pii_note": "Operates on structural codes, dates, and amounts only. No consumer name, SSN, or address fields exist in this schema -- use synthetic or anonymised account data.",
        "regulatory_basis": "Metro 2 Format (CDIA); FCRA 15 U.S.C. Sec 1681c(a)(4)-(5) (obsolescence); Federal Reserve Regulation V, 12 CFR Part 1022.",
        "subset_coverage_statement": "This lints a PUBLIC SUBSET of Metro 2 Format base-segment fields and the statutory DOFD/obsolescence rule. It does not implement the CDIA Credit Reporting Resource Guide (CRRG), a licensed document -- J1/J2/K1-K4 segments are checked as presence flags only.",
        "table_source": "CFPB \"Key Dimensions and Processes in the U.S. Credit Reporting System\" (Dec 2012, consumerfinance.gov); CDIA public Metro 2 Format overview (cdiaonline.org); FCRA 15 U.S.C. Sec 1681c(a)(4)-(5); Federal Reserve Regulation V (12 CFR Part 1022).",
        "table_version": "METRO2-PUBLIC-SUBSET-V1",
        "warning_count": 0
      }
    }
  }
}