{
  "tool_id": "art-475-cfpb-1071-coverage-check",
  "tool_version": "1.0.0",
  "display_name": "CFPB 1071 Coverage Check & SBLAR Record Validator",
  "mcp_name": "compute_cfpb_1071_coverage",
  "mandate_type": "compliance_mandate",
  "wave": 70,
  "gpu": false,
  "url": "https://ainumbers.co/chaingraph/art-475-cfpb-1071-coverage-check.html",
  "description": "CFPB Section 1071 small business lending rule (Regulation B subpart B, revised final rule published 2026-05-01): determines whether a financial institution is a covered originator by checking its small-business-originations count against the 1,000-origination threshold for each of the two preceding calendar years, and validates a batch of Small Business Lending Application Register (SBLAR) records against a caller-supplied required-field schema. Fixed compliance-date reference: data collection begins 2028-01-01, first SBLAR submission due 2029-06-01. Deterministic threshold comparison and field-presence check only -- no filing, no submission, no hardcoded field-list claim beyond the caller's supplied schema.",
  "input_schema_ref": "chaingraph/art-475-cfpb-1071-coverage-check.html#manifest",
  "consumes": [],
  "feeds": [],
  "status": "live",
  "conformance_fixtures": true,
  "compute_capability": "server",
  "compute_images": [{"system":"sha256-source","image_id":"sha256:0ef028be15ca148086aa48b2fc87b6f735c14233206ae951b0d1c8f285b98c72","valid_from":"2026-07-10"},{"system":"risc0","image_id":"sha256:a1a0bc89b5b1febaeda3519f6dbade0fa5ac16beeb143c4e1b01689573567bc6","valid_from":"2026-07-25"}],
  "compute_proof_ready": "ready",
  "compute_proof": {
    "type": "ZkVmReceipt",
    "system": "risc0",
    "receiptFormat": "groth16-bn254",
    "imageId": "sha256:a1a0bc89b5b1febaeda3519f6dbade0fa5ac16beeb143c4e1b01689573567bc6",
    "seal": "JSRQp6ZTR4p544/GA6/9SHTM5nsgeEJcNLmBxBpAupQUnUE4ZY9O3i0FHosCX1MWz4M6/EdVNeBL1Mw2Rc0Njyw8ZcCNX9FkyukvvB+BBsHWmDr7v6gHFT31W4Z0WwHXEoH/CvRUJwF2Gu4ot7hrlXbBjyZboM7NMNC9uXNYYOIuMAHIao5ALrxFJp1BNWpOUcJCVgzztb2StfoxLr4dlyk6C97o6B7UHeULJf1YuVWH8iZr9XoqU96dZJFRVQJECl72AQdFIeunUCp0Bl4V+Sg12zLGKAV+I6OUGrrhlhYU+kenABL4ileFMBWTnZJ09JsiNMzidzm7l3/Yj6N//w==",
    "journal": {
      "chaingraph_version": "0.4.0",
      "kernel_digest": "sha256:0ef028be15ca148086aa48b2fc87b6f735c14233206ae951b0d1c8f285b98c72",
      "output": {
        "compliance_dates": {
          "data_collection_start": "2028-01-01",
          "first_sblar_due": "2029-06-01"
        },
        "covered": true,
        "note": "Coverage determination compares caller-supplied origination counts to the fixed 1,000-per-year threshold. SBLAR field validation checks presence only, against a caller-supplied required-field schema -- this kernel makes no claim about which fields the current rule requires. Not a filing or submission.",
        "originations_year1_count": 1500,
        "originations_year2_count": 1200,
        "regulatory_basis": "CFPB Section 1071 small business lending rule, Regulation B subpart B, revised final rule published 2026-05-01: covered-institution threshold of 1,000 small-business-lending originations in each of the two preceding calendar years.",
        "required_sblar_fields": [
          "uli",
          "application_date",
          "action_taken"
        ],
        "sblar_records": [
          {
            "missing_fields": [],
            "present_fields_count": 3,
            "record_id": "rec-1",
            "required_fields_count": 3,
            "valid": true
          },
          {
            "missing_fields": [],
            "present_fields_count": 3,
            "record_id": "rec-2",
            "required_fields_count": 3,
            "valid": true
          }
        ],
        "sblar_summary": {
          "invalid_records": 0,
          "total_records": 2,
          "valid_records": 2
        },
        "threshold": 1000
      }
    }
  },
  "export_capability": [
    "json"
  ]
}