{
  "tool_id": "art-403-check-debt-validation-notice",
  "tool_version": "1.0.0",
  "display_name": "Debt Validation Notice Completeness Checker",
  "mcp_name": "check_debt_validation_notice",
  "mandate_type": "compliance_mandate",
  "wave": 60,
  "gpu": false,
  "url": "https://ainumbers.co/chaingraph/art-403-check-debt-validation-notice.html",
  "description": "Checks a debt-validation-notice content-element checklist against Regulation F 12 CFR 1006.34 (the Model Form B-1 element set) and computes the 30-day validation-period response-window math from a declared mailing date under a declared mailing-to-receipt assumption. Same present/absent checklist shape as the shipped official-statement / Metro2 / X12 linters. Checks that declared elements are present and well-formed, not that disclosed amounts are accurate.",
  "input_schema_ref": "chaingraph/art-403-check-debt-validation-notice.html#manifest",
  "consumes": [
    "art-402-validate-regf-call-frequency"
  ],
  "feeds": [],
  "status": "live",
  "conformance_fixtures": true,
  "compute_capability": "server",
  "compute_images": [
    {
      "system": "sha256-source",
      "image_id": "sha256:7587d455f6bdc2449925d27d42cc07a2660c799f4670d238cb0793af19d274fa",
      "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": "BK093QF6Hu5CKbBYGEV+Ne0E9/v8ZIj9YA1Tobca3LklwV0PS20XoMMnGpeb02Dn0gAFsiJm+eRPLhW7f6L/fQnSeTz5tswlDa/Y4e7HP8rmifYbWKdTrMcvSw4dpLfuCXBLFQ0JNSOJHLvU/Ua3sG+4vDI1yqog9SqauWEm9YcfTXRD4E2nXiX4zEgUn5N1NBqrOWreNubcFi6Zc2r5sxfxknadIkSMwsUPbhsZ2My65vz333mt6d1rZVC9MDXcKhnAmJ+UdNLjl+aDFqFR28SGqDt3aKj+0hjrjamZDKEc9U1/RtLr+D/Whp0JJRbArjwdmaFvF9zH2zfJ5qwx2A==",
    "journal": {
      "chaingraph_version": "0.4.0",
      "kernel_digest": "sha256:7587d455f6bdc2449925d27d42cc07a2660c799f4670d238cb0793af19d274fa",
      "output": {
        "asserted_note": "\"asserted\" labelling applies throughout: this checks that declared notice elements are PRESENT and well-formed, not that the underlying debt amounts or itemization are accurate.",
        "completeness_grade": "A",
        "compliant": true,
        "disambiguation": "check_debt_validation_notice checks that declared 12 CFR 1006.34 validation-notice ELEMENTS are present and well-formed, and computes response-period math off a DECLARED mailing-to-receipt assumption -- it does not verify the truth of any disclosed amount and does not establish the consumer's actual date of receipt.",
        "element_status": {
          "account-number-or-reference": "complete",
          "consumer-name": "complete",
          "debt-collector-name": "complete",
          "itemization-breakdown": "complete",
          "itemization-date": "complete",
          "itemized-current-amount": "complete",
          "model-form-b1-tear-off": "complete",
          "original-creditor-name-if-different": "complete",
          "statement-of-dispute-rights-30-day": "complete",
          "statement-of-right-to-original-creditor-info": "complete"
        },
        "elements_checked": 10,
        "gap_count": 0,
        "gaps": [],
        "itemization_date_valid": true,
        "regulatory_basis": "12 CFR 1006.34 (validation information content) and Model Form B-1 (Appendix B); the 30-day dispute/validation period runs under 1006.34(c).",
        "response_period": {
          "assumed_received_date": "2026-07-06",
          "dispute_deadline_date": "2026-08-05",
          "mailing_assumption_days": 5,
          "note": "assumed_received_date is a DECLARED mailing-to-receipt assumption, not a statutory presumption of receipt -- 1006.34(c) runs the 30-day period from actual receipt, which this tool cannot observe.",
          "notice_mailed_date": "2026-07-01",
          "validation_period_days": 30
        },
        "table_source": "12 CFR 1006.34 (Regulation F validation information content requirements) and Model Form B-1 (Appendix B).",
        "table_version": "REGF-1006-34-VALIDATION-NOTICE-CHECKLIST-V1"
      }
    }
  }
}