{
  "tool_id": "art-405-check-private-student-loan-disclosures",
  "tool_version": "1.0.0",
  "display_name": "Private Student Loan Disclosure & Rescission Checker",
  "mcp_name": "check_private_student_loan_disclosures",
  "mandate_type": "compliance_mandate",
  "wave": 60,
  "gpu": false,
  "url": "https://ainumbers.co/chaingraph/art-405-check-private-student-loan-disclosures.html",
  "description": "Checks a private-education-loan disclosure-element checklist across the three 12 CFR 1026.46-48 stages (application/solicitation, approval, final), the HEOA self-certification-form presence requirement, and computes the 3-business-day right-to-cancel window from a declared final-disclosure date (skipping weekends and any declared holiday dates). Federal Income-Driven Repayment (IDR) calculations are explicitly out of scope v1 -- flagged as a future rider trigger, not built, because those formulas churn on a policy cycle distinct from the stable 1026.46-48 requirements checked here.",
  "input_schema_ref": "chaingraph/art-405-check-private-student-loan-disclosures.html#manifest",
  "consumes": [],
  "feeds": [],
  "status": "live",
  "conformance_fixtures": true,
  "compute_capability": "server",
  "compute_images": [
    {
      "system": "sha256-source",
      "image_id": "sha256:75fd46391316b49459fd5cfc046cdfc162076a32e0f76268ed539ffb43e3bd6e",
      "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": "ER+A6ts6hWfPCzlhRdzdSOPu+WAd7NVN06FlKEPeK7YfDNOMLbiPnJJU6kuGe/fSvmK05hu6jBlpGu+bKWxY9i1+jZnTLs5xyDwmQ3q5ChcnsdzmLxbjkMV+VIHB6u1zDr5Nj/W3tQIKWps0Oj5VFw9Po8yIWsaibeoPAK60l0oRW0Q0X/e0Oitdr3gI8879WL6pejY75JlKa1SURC2/ziRkyCKvbpy7KndXY1t5WBOztN/b2CkapizYnBdvx1UYH9LlkzgwAgTEvEHJjszYLkgxMs2NhgpnQKTvDMFM3z4gehzwvts224lHSCxZeiE/GXJ+yRSFsyqitJy0qTm+Kg==",
    "journal": {
      "chaingraph_version": "0.4.0",
      "kernel_digest": "sha256:75fd46391316b49459fd5cfc046cdfc162076a32e0f76268ed539ffb43e3bd6e",
      "output": {
        "application_stage": {
          "element_status": {
            "cosigner-rights-disclosure": "complete",
            "estimated-total-cost": "complete",
            "fees-and-default-charges": "complete",
            "interest-rate-or-range": "complete",
            "repayment-terms": "complete"
          },
          "gaps": []
        },
        "approval_stage": {
          "element_status": {
            "confirmed-fees": "complete",
            "confirmed-interest-rate": "complete",
            "confirmed-repayment-terms": "complete",
            "rate-lock-period-disclosure": "complete",
            "right-to-accept-30-days-disclosure": "complete"
          },
          "gaps": []
        },
        "completeness_grade": "A",
        "compliant": true,
        "disambiguation": "check_private_student_loan_disclosures checks that declared 12 CFR 1026.46-48 disclosure ELEMENTS are present and well-formed across the application/approval/final stages, that a self-certification form is declared present, and computes the 3-business-day cancellation-window math -- it does not verify the truth of any disclosed rate or fee.",
        "elements_checked": 14,
        "federal_idr_note": "Federal Income-Driven Repayment (IDR) plan calculations are explicitly OUT OF SCOPE for this v1 kernel -- IDR formulas and constants change on an administration/policy cycle, a distinct churn source from the stable 12 CFR 1026.46-48 element/timing requirements checked here. Flagged as a future rider trigger, not built.",
        "federal_idr_out_of_scope": true,
        "final_stage": {
          "element_status": {
            "final-fees": "complete",
            "final-interest-rate": "complete",
            "final-repayment-schedule": "complete",
            "right-to-cancel-3-day-disclosure": "complete"
          },
          "gaps": []
        },
        "gap_count": 0,
        "regulatory_basis": "12 CFR 1026.46-48 (Regulation Z private education loan disclosures); HEOA self-certification (1026.48(e)); 3-business-day right-to-cancel (1026.48(d)).",
        "rescission": {
          "earliest_permitted_disbursement_date": "2026-07-24",
          "final_disclosure_date": "2026-07-20",
          "note": "Business-day count excludes Saturday/Sunday and any declared holiday_dates. Disbursement may not occur until the day AFTER the 3rd business day of the cancellation period (12 CFR 1026.48(d)(2)).",
          "third_business_day": "2026-07-23"
        },
        "self_certification_present": true,
        "table_source": "12 CFR 1026.46-48 (Regulation Z private education loans); HEOA self-certification requirement (1026.48(e)); 3-business-day right-to-cancel (1026.48(d)).",
        "table_version": "REGZ-1026-46-48-PRIVATE-STUDENT-LOAN-CHECKLIST-V1"
      }
    }
  }
}