{
  "tool_id": "art-403-check-debt-validation-notice",
  "note": "Reg F 12 CFR 1006.34 validation-notice checklist and 30-day response-period math fixtures. Model-form-B1 golden case + gapped fixtures + response-date math (incl. year boundary) + itemization-date-after-mailing flag case.",
  "vectors": [
    {
      "name": "model_form_b1_golden_complete",
      "policy_parameters": {
        "inputs": {
          "notice_elements": [
            {
              "element": "debt-collector-name",
              "status": "complete"
            },
            {
              "element": "consumer-name",
              "status": "complete"
            },
            {
              "element": "account-number-or-reference",
              "status": "complete"
            },
            {
              "element": "itemization-date",
              "status": "complete"
            },
            {
              "element": "itemized-current-amount",
              "status": "complete"
            },
            {
              "element": "itemization-breakdown",
              "status": "complete"
            },
            {
              "element": "original-creditor-name-if-different",
              "status": "complete"
            },
            {
              "element": "statement-of-dispute-rights-30-day",
              "status": "complete"
            },
            {
              "element": "statement-of-right-to-original-creditor-info",
              "status": "complete"
            },
            {
              "element": "model-form-b1-tear-off",
              "status": "complete"
            }
          ],
          "notice_mailed_date": "2026-07-01",
          "mailing_assumption_days": 5,
          "itemization_date": "2026-06-15"
        }
      },
      "output_payload": {
        "compliant": true,
        "completeness_grade": "A",
        "elements_checked": 10,
        "gap_count": 0,
        "gaps": [],
        "element_status": {
          "debt-collector-name": "complete",
          "consumer-name": "complete",
          "account-number-or-reference": "complete",
          "itemization-date": "complete",
          "itemized-current-amount": "complete",
          "itemization-breakdown": "complete",
          "original-creditor-name-if-different": "complete",
          "statement-of-dispute-rights-30-day": "complete",
          "statement-of-right-to-original-creditor-info": "complete",
          "model-form-b1-tear-off": "complete"
        },
        "response_period": {
          "notice_mailed_date": "2026-07-01",
          "mailing_assumption_days": 5,
          "assumed_received_date": "2026-07-06",
          "dispute_deadline_date": "2026-08-05",
          "validation_period_days": 30,
          "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."
        },
        "itemization_date_valid": 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.",
        "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.",
        "table_version": "REGF-1006-34-VALIDATION-NOTICE-CHECKLIST-V1",
        "table_source": "12 CFR 1006.34 (Regulation F validation information content requirements) and Model Form B-1 (Appendix B).",
        "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)."
      },
      "compliance_flags": [],
      "golden_hash": "12d9b2f734418dad901402dabc4bb9394bfd45f8a51cbd42a8c2b3ea5121bdfa"
    },
    {
      "name": "gapped_two_elements_grade_c",
      "policy_parameters": {
        "inputs": {
          "notice_elements": [
            {
              "element": "debt-collector-name",
              "status": "complete"
            },
            {
              "element": "consumer-name",
              "status": "complete"
            },
            {
              "element": "account-number-or-reference",
              "status": "complete"
            },
            {
              "element": "itemization-date",
              "status": "complete"
            },
            {
              "element": "itemized-current-amount",
              "status": "complete"
            },
            {
              "element": "itemization-breakdown",
              "status": "complete"
            },
            {
              "element": "original-creditor-name-if-different",
              "status": "complete"
            },
            {
              "element": "statement-of-dispute-rights-30-day",
              "status": "complete"
            }
          ],
          "notice_mailed_date": "2026-07-01",
          "mailing_assumption_days": 5,
          "itemization_date": "2026-06-15"
        }
      },
      "output_payload": {
        "compliant": false,
        "completeness_grade": "C",
        "elements_checked": 10,
        "gap_count": 2,
        "gaps": [
          "statement-of-right-to-original-creditor-info",
          "model-form-b1-tear-off"
        ],
        "element_status": {
          "debt-collector-name": "complete",
          "consumer-name": "complete",
          "account-number-or-reference": "complete",
          "itemization-date": "complete",
          "itemized-current-amount": "complete",
          "itemization-breakdown": "complete",
          "original-creditor-name-if-different": "complete",
          "statement-of-dispute-rights-30-day": "complete",
          "statement-of-right-to-original-creditor-info": "absent",
          "model-form-b1-tear-off": "absent"
        },
        "response_period": {
          "notice_mailed_date": "2026-07-01",
          "mailing_assumption_days": 5,
          "assumed_received_date": "2026-07-06",
          "dispute_deadline_date": "2026-08-05",
          "validation_period_days": 30,
          "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."
        },
        "itemization_date_valid": 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.",
        "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.",
        "table_version": "REGF-1006-34-VALIDATION-NOTICE-CHECKLIST-V1",
        "table_source": "12 CFR 1006.34 (Regulation F validation information content requirements) and Model Form B-1 (Appendix B).",
        "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)."
      },
      "compliance_flags": [
        "VALIDATION_NOTICE_ELEMENTS_INCOMPLETE"
      ],
      "golden_hash": "4778a0efec5f50f47ab709260efac5243833db3ffb117a122082729da7827864"
    },
    {
      "name": "only_one_element_grade_f",
      "policy_parameters": {
        "inputs": {
          "notice_elements": [
            {
              "element": "debt-collector-name",
              "status": "complete"
            }
          ],
          "notice_mailed_date": "2026-01-01",
          "mailing_assumption_days": 5,
          "itemization_date": "2026-01-01"
        }
      },
      "output_payload": {
        "compliant": false,
        "completeness_grade": "F",
        "elements_checked": 10,
        "gap_count": 9,
        "gaps": [
          "consumer-name",
          "account-number-or-reference",
          "itemization-date",
          "itemized-current-amount",
          "itemization-breakdown",
          "original-creditor-name-if-different",
          "statement-of-dispute-rights-30-day",
          "statement-of-right-to-original-creditor-info",
          "model-form-b1-tear-off"
        ],
        "element_status": {
          "debt-collector-name": "complete",
          "consumer-name": "absent",
          "account-number-or-reference": "absent",
          "itemization-date": "absent",
          "itemized-current-amount": "absent",
          "itemization-breakdown": "absent",
          "original-creditor-name-if-different": "absent",
          "statement-of-dispute-rights-30-day": "absent",
          "statement-of-right-to-original-creditor-info": "absent",
          "model-form-b1-tear-off": "absent"
        },
        "response_period": {
          "notice_mailed_date": "2026-01-01",
          "mailing_assumption_days": 5,
          "assumed_received_date": "2026-01-06",
          "dispute_deadline_date": "2026-02-05",
          "validation_period_days": 30,
          "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."
        },
        "itemization_date_valid": 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.",
        "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.",
        "table_version": "REGF-1006-34-VALIDATION-NOTICE-CHECKLIST-V1",
        "table_source": "12 CFR 1006.34 (Regulation F validation information content requirements) and Model Form B-1 (Appendix B).",
        "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)."
      },
      "compliance_flags": [
        "VALIDATION_NOTICE_ELEMENTS_INCOMPLETE"
      ],
      "golden_hash": "b83fd104ffb4896c5bab362d27435ab03b35c98283ab562c07ded04ebeb90282"
    },
    {
      "name": "response_date_math_year_boundary",
      "policy_parameters": {
        "inputs": {
          "notice_elements": [
            {
              "element": "debt-collector-name",
              "status": "complete"
            },
            {
              "element": "consumer-name",
              "status": "complete"
            },
            {
              "element": "account-number-or-reference",
              "status": "complete"
            },
            {
              "element": "itemization-date",
              "status": "complete"
            },
            {
              "element": "itemized-current-amount",
              "status": "complete"
            },
            {
              "element": "itemization-breakdown",
              "status": "complete"
            },
            {
              "element": "original-creditor-name-if-different",
              "status": "complete"
            },
            {
              "element": "statement-of-dispute-rights-30-day",
              "status": "complete"
            },
            {
              "element": "statement-of-right-to-original-creditor-info",
              "status": "complete"
            },
            {
              "element": "model-form-b1-tear-off",
              "status": "complete"
            }
          ],
          "notice_mailed_date": "2026-12-25",
          "mailing_assumption_days": 3,
          "itemization_date": "2026-01-01"
        }
      },
      "output_payload": {
        "compliant": true,
        "completeness_grade": "A",
        "elements_checked": 10,
        "gap_count": 0,
        "gaps": [],
        "element_status": {
          "debt-collector-name": "complete",
          "consumer-name": "complete",
          "account-number-or-reference": "complete",
          "itemization-date": "complete",
          "itemized-current-amount": "complete",
          "itemization-breakdown": "complete",
          "original-creditor-name-if-different": "complete",
          "statement-of-dispute-rights-30-day": "complete",
          "statement-of-right-to-original-creditor-info": "complete",
          "model-form-b1-tear-off": "complete"
        },
        "response_period": {
          "notice_mailed_date": "2026-12-25",
          "mailing_assumption_days": 3,
          "assumed_received_date": "2026-12-28",
          "dispute_deadline_date": "2027-01-27",
          "validation_period_days": 30,
          "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."
        },
        "itemization_date_valid": 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.",
        "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.",
        "table_version": "REGF-1006-34-VALIDATION-NOTICE-CHECKLIST-V1",
        "table_source": "12 CFR 1006.34 (Regulation F validation information content requirements) and Model Form B-1 (Appendix B).",
        "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)."
      },
      "compliance_flags": [],
      "golden_hash": "988b280e6fc5a7a22c45849527259ab8c9f1c3f02eb736f3d5fcf44445efe9be"
    },
    {
      "name": "itemization_date_after_mailing_flag",
      "policy_parameters": {
        "inputs": {
          "notice_elements": [
            {
              "element": "debt-collector-name",
              "status": "complete"
            },
            {
              "element": "consumer-name",
              "status": "complete"
            },
            {
              "element": "account-number-or-reference",
              "status": "complete"
            },
            {
              "element": "itemization-date",
              "status": "complete"
            },
            {
              "element": "itemized-current-amount",
              "status": "complete"
            },
            {
              "element": "itemization-breakdown",
              "status": "complete"
            },
            {
              "element": "original-creditor-name-if-different",
              "status": "complete"
            },
            {
              "element": "statement-of-dispute-rights-30-day",
              "status": "complete"
            },
            {
              "element": "statement-of-right-to-original-creditor-info",
              "status": "complete"
            },
            {
              "element": "model-form-b1-tear-off",
              "status": "complete"
            }
          ],
          "notice_mailed_date": "2026-06-01",
          "mailing_assumption_days": 5,
          "itemization_date": "2026-06-10"
        }
      },
      "output_payload": {
        "compliant": true,
        "completeness_grade": "A",
        "elements_checked": 10,
        "gap_count": 0,
        "gaps": [],
        "element_status": {
          "debt-collector-name": "complete",
          "consumer-name": "complete",
          "account-number-or-reference": "complete",
          "itemization-date": "complete",
          "itemized-current-amount": "complete",
          "itemization-breakdown": "complete",
          "original-creditor-name-if-different": "complete",
          "statement-of-dispute-rights-30-day": "complete",
          "statement-of-right-to-original-creditor-info": "complete",
          "model-form-b1-tear-off": "complete"
        },
        "response_period": {
          "notice_mailed_date": "2026-06-01",
          "mailing_assumption_days": 5,
          "assumed_received_date": "2026-06-06",
          "dispute_deadline_date": "2026-07-06",
          "validation_period_days": 30,
          "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."
        },
        "itemization_date_valid": false,
        "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.",
        "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.",
        "table_version": "REGF-1006-34-VALIDATION-NOTICE-CHECKLIST-V1",
        "table_source": "12 CFR 1006.34 (Regulation F validation information content requirements) and Model Form B-1 (Appendix B).",
        "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)."
      },
      "compliance_flags": [
        "ITEMIZATION_DATE_AFTER_MAILING_DATE"
      ],
      "golden_hash": "69daf11159ebae36daef5d39cf9207a71b592c25a32685cb70bc572cb6d94fed"
    }
  ]
}