{
  "tool_id": "art-405-check-private-student-loan-disclosures",
  "note": "12 CFR 1026.46-48 private-student-loan disclosure-element and 3-business-day rescission-window fixtures (weekend skip, declared holiday, self-cert-missing, multi-stage-gap cases). federal_idr_out_of_scope is a fixed true rider-trigger note, not computed.",
  "vectors": [
    {
      "name": "all_complete_monday_disclosure",
      "policy_parameters": {
        "inputs": {
          "application_elements": [
            {
              "element": "interest-rate-or-range",
              "status": "complete"
            },
            {
              "element": "fees-and-default-charges",
              "status": "complete"
            },
            {
              "element": "repayment-terms",
              "status": "complete"
            },
            {
              "element": "cosigner-rights-disclosure",
              "status": "complete"
            },
            {
              "element": "estimated-total-cost",
              "status": "complete"
            }
          ],
          "approval_elements": [
            {
              "element": "confirmed-interest-rate",
              "status": "complete"
            },
            {
              "element": "confirmed-fees",
              "status": "complete"
            },
            {
              "element": "confirmed-repayment-terms",
              "status": "complete"
            },
            {
              "element": "right-to-accept-30-days-disclosure",
              "status": "complete"
            },
            {
              "element": "rate-lock-period-disclosure",
              "status": "complete"
            }
          ],
          "final_elements": [
            {
              "element": "final-interest-rate",
              "status": "complete"
            },
            {
              "element": "final-fees",
              "status": "complete"
            },
            {
              "element": "final-repayment-schedule",
              "status": "complete"
            },
            {
              "element": "right-to-cancel-3-day-disclosure",
              "status": "complete"
            }
          ],
          "self_certification_present": true,
          "final_disclosure_date": "2026-07-20",
          "holiday_dates": []
        }
      },
      "output_payload": {
        "compliant": true,
        "completeness_grade": "A",
        "elements_checked": 14,
        "gap_count": 0,
        "application_stage": {
          "element_status": {
            "interest-rate-or-range": "complete",
            "fees-and-default-charges": "complete",
            "repayment-terms": "complete",
            "cosigner-rights-disclosure": "complete",
            "estimated-total-cost": "complete"
          },
          "gaps": []
        },
        "approval_stage": {
          "element_status": {
            "confirmed-interest-rate": "complete",
            "confirmed-fees": "complete",
            "confirmed-repayment-terms": "complete",
            "right-to-accept-30-days-disclosure": "complete",
            "rate-lock-period-disclosure": "complete"
          },
          "gaps": []
        },
        "final_stage": {
          "element_status": {
            "final-interest-rate": "complete",
            "final-fees": "complete",
            "final-repayment-schedule": "complete",
            "right-to-cancel-3-day-disclosure": "complete"
          },
          "gaps": []
        },
        "self_certification_present": true,
        "rescission": {
          "final_disclosure_date": "2026-07-20",
          "third_business_day": "2026-07-23",
          "earliest_permitted_disbursement_date": "2026-07-24",
          "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))."
        },
        "federal_idr_out_of_scope": true,
        "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.",
        "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.",
        "table_version": "REGZ-1026-46-48-PRIVATE-STUDENT-LOAN-CHECKLIST-V1",
        "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)).",
        "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))."
      },
      "compliance_flags": [],
      "golden_hash": "69de0e28ad1078cf06a4243fe98e8af60940fb14c07e3974713a0e3301c145e4"
    },
    {
      "name": "weekend_skip_thursday_disclosure",
      "policy_parameters": {
        "inputs": {
          "application_elements": [
            {
              "element": "interest-rate-or-range",
              "status": "complete"
            },
            {
              "element": "fees-and-default-charges",
              "status": "complete"
            },
            {
              "element": "repayment-terms",
              "status": "complete"
            },
            {
              "element": "cosigner-rights-disclosure",
              "status": "complete"
            },
            {
              "element": "estimated-total-cost",
              "status": "complete"
            }
          ],
          "approval_elements": [
            {
              "element": "confirmed-interest-rate",
              "status": "complete"
            },
            {
              "element": "confirmed-fees",
              "status": "complete"
            },
            {
              "element": "confirmed-repayment-terms",
              "status": "complete"
            },
            {
              "element": "right-to-accept-30-days-disclosure",
              "status": "complete"
            },
            {
              "element": "rate-lock-period-disclosure",
              "status": "complete"
            }
          ],
          "final_elements": [
            {
              "element": "final-interest-rate",
              "status": "complete"
            },
            {
              "element": "final-fees",
              "status": "complete"
            },
            {
              "element": "final-repayment-schedule",
              "status": "complete"
            },
            {
              "element": "right-to-cancel-3-day-disclosure",
              "status": "complete"
            }
          ],
          "self_certification_present": true,
          "final_disclosure_date": "2026-07-23",
          "holiday_dates": []
        }
      },
      "output_payload": {
        "compliant": true,
        "completeness_grade": "A",
        "elements_checked": 14,
        "gap_count": 0,
        "application_stage": {
          "element_status": {
            "interest-rate-or-range": "complete",
            "fees-and-default-charges": "complete",
            "repayment-terms": "complete",
            "cosigner-rights-disclosure": "complete",
            "estimated-total-cost": "complete"
          },
          "gaps": []
        },
        "approval_stage": {
          "element_status": {
            "confirmed-interest-rate": "complete",
            "confirmed-fees": "complete",
            "confirmed-repayment-terms": "complete",
            "right-to-accept-30-days-disclosure": "complete",
            "rate-lock-period-disclosure": "complete"
          },
          "gaps": []
        },
        "final_stage": {
          "element_status": {
            "final-interest-rate": "complete",
            "final-fees": "complete",
            "final-repayment-schedule": "complete",
            "right-to-cancel-3-day-disclosure": "complete"
          },
          "gaps": []
        },
        "self_certification_present": true,
        "rescission": {
          "final_disclosure_date": "2026-07-23",
          "third_business_day": "2026-07-28",
          "earliest_permitted_disbursement_date": "2026-07-29",
          "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))."
        },
        "federal_idr_out_of_scope": true,
        "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.",
        "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.",
        "table_version": "REGZ-1026-46-48-PRIVATE-STUDENT-LOAN-CHECKLIST-V1",
        "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)).",
        "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))."
      },
      "compliance_flags": [],
      "golden_hash": "67a150c010a2e01220b849a3ccbb815bc8e08d228d059ec4f80dd9c2424587b4"
    },
    {
      "name": "self_certification_missing",
      "policy_parameters": {
        "inputs": {
          "application_elements": [
            {
              "element": "interest-rate-or-range",
              "status": "complete"
            },
            {
              "element": "fees-and-default-charges",
              "status": "complete"
            },
            {
              "element": "repayment-terms",
              "status": "complete"
            },
            {
              "element": "cosigner-rights-disclosure",
              "status": "complete"
            },
            {
              "element": "estimated-total-cost",
              "status": "complete"
            }
          ],
          "approval_elements": [
            {
              "element": "confirmed-interest-rate",
              "status": "complete"
            },
            {
              "element": "confirmed-fees",
              "status": "complete"
            },
            {
              "element": "confirmed-repayment-terms",
              "status": "complete"
            },
            {
              "element": "right-to-accept-30-days-disclosure",
              "status": "complete"
            },
            {
              "element": "rate-lock-period-disclosure",
              "status": "complete"
            }
          ],
          "final_elements": [
            {
              "element": "final-interest-rate",
              "status": "complete"
            },
            {
              "element": "final-fees",
              "status": "complete"
            },
            {
              "element": "final-repayment-schedule",
              "status": "complete"
            },
            {
              "element": "right-to-cancel-3-day-disclosure",
              "status": "complete"
            }
          ],
          "self_certification_present": false,
          "final_disclosure_date": "2026-07-20",
          "holiday_dates": []
        }
      },
      "output_payload": {
        "compliant": false,
        "completeness_grade": "A",
        "elements_checked": 14,
        "gap_count": 0,
        "application_stage": {
          "element_status": {
            "interest-rate-or-range": "complete",
            "fees-and-default-charges": "complete",
            "repayment-terms": "complete",
            "cosigner-rights-disclosure": "complete",
            "estimated-total-cost": "complete"
          },
          "gaps": []
        },
        "approval_stage": {
          "element_status": {
            "confirmed-interest-rate": "complete",
            "confirmed-fees": "complete",
            "confirmed-repayment-terms": "complete",
            "right-to-accept-30-days-disclosure": "complete",
            "rate-lock-period-disclosure": "complete"
          },
          "gaps": []
        },
        "final_stage": {
          "element_status": {
            "final-interest-rate": "complete",
            "final-fees": "complete",
            "final-repayment-schedule": "complete",
            "right-to-cancel-3-day-disclosure": "complete"
          },
          "gaps": []
        },
        "self_certification_present": false,
        "rescission": {
          "final_disclosure_date": "2026-07-20",
          "third_business_day": "2026-07-23",
          "earliest_permitted_disbursement_date": "2026-07-24",
          "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))."
        },
        "federal_idr_out_of_scope": true,
        "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.",
        "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.",
        "table_version": "REGZ-1026-46-48-PRIVATE-STUDENT-LOAN-CHECKLIST-V1",
        "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)).",
        "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))."
      },
      "compliance_flags": [
        "SELF_CERTIFICATION_FORM_MISSING"
      ],
      "golden_hash": "40bd6279b12e0ae330aa6e62e645699750c27d778308b9861d060bc8c6c353a0"
    },
    {
      "name": "multi_stage_gaps_grade_f",
      "policy_parameters": {
        "inputs": {
          "application_elements": [
            {
              "element": "interest-rate-or-range",
              "status": "complete"
            }
          ],
          "approval_elements": [
            {
              "element": "confirmed-interest-rate",
              "status": "complete"
            }
          ],
          "final_elements": [
            {
              "element": "final-interest-rate",
              "status": "complete"
            }
          ],
          "self_certification_present": false,
          "final_disclosure_date": "2026-07-20",
          "holiday_dates": []
        }
      },
      "output_payload": {
        "compliant": false,
        "completeness_grade": "F",
        "elements_checked": 14,
        "gap_count": 11,
        "application_stage": {
          "element_status": {
            "interest-rate-or-range": "complete",
            "fees-and-default-charges": "absent",
            "repayment-terms": "absent",
            "cosigner-rights-disclosure": "absent",
            "estimated-total-cost": "absent"
          },
          "gaps": [
            "fees-and-default-charges",
            "repayment-terms",
            "cosigner-rights-disclosure",
            "estimated-total-cost"
          ]
        },
        "approval_stage": {
          "element_status": {
            "confirmed-interest-rate": "complete",
            "confirmed-fees": "absent",
            "confirmed-repayment-terms": "absent",
            "right-to-accept-30-days-disclosure": "absent",
            "rate-lock-period-disclosure": "absent"
          },
          "gaps": [
            "confirmed-fees",
            "confirmed-repayment-terms",
            "right-to-accept-30-days-disclosure",
            "rate-lock-period-disclosure"
          ]
        },
        "final_stage": {
          "element_status": {
            "final-interest-rate": "complete",
            "final-fees": "absent",
            "final-repayment-schedule": "absent",
            "right-to-cancel-3-day-disclosure": "absent"
          },
          "gaps": [
            "final-fees",
            "final-repayment-schedule",
            "right-to-cancel-3-day-disclosure"
          ]
        },
        "self_certification_present": false,
        "rescission": {
          "final_disclosure_date": "2026-07-20",
          "third_business_day": "2026-07-23",
          "earliest_permitted_disbursement_date": "2026-07-24",
          "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))."
        },
        "federal_idr_out_of_scope": true,
        "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.",
        "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.",
        "table_version": "REGZ-1026-46-48-PRIVATE-STUDENT-LOAN-CHECKLIST-V1",
        "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)).",
        "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))."
      },
      "compliance_flags": [
        "APPLICATION_DISCLOSURE_ELEMENTS_INCOMPLETE",
        "APPROVAL_DISCLOSURE_ELEMENTS_INCOMPLETE",
        "FINAL_DISCLOSURE_ELEMENTS_INCOMPLETE",
        "SELF_CERTIFICATION_FORM_MISSING"
      ],
      "golden_hash": "28793074ca17efc50ea2955760ddbd9a132e3564abad64b767fb7630a7e3129d"
    },
    {
      "name": "declared_holiday_shifts_window",
      "policy_parameters": {
        "inputs": {
          "application_elements": [
            {
              "element": "interest-rate-or-range",
              "status": "complete"
            },
            {
              "element": "fees-and-default-charges",
              "status": "complete"
            },
            {
              "element": "repayment-terms",
              "status": "complete"
            },
            {
              "element": "cosigner-rights-disclosure",
              "status": "complete"
            },
            {
              "element": "estimated-total-cost",
              "status": "complete"
            }
          ],
          "approval_elements": [
            {
              "element": "confirmed-interest-rate",
              "status": "complete"
            },
            {
              "element": "confirmed-fees",
              "status": "complete"
            },
            {
              "element": "confirmed-repayment-terms",
              "status": "complete"
            },
            {
              "element": "right-to-accept-30-days-disclosure",
              "status": "complete"
            },
            {
              "element": "rate-lock-period-disclosure",
              "status": "complete"
            }
          ],
          "final_elements": [
            {
              "element": "final-interest-rate",
              "status": "complete"
            },
            {
              "element": "final-fees",
              "status": "complete"
            },
            {
              "element": "final-repayment-schedule",
              "status": "complete"
            },
            {
              "element": "right-to-cancel-3-day-disclosure",
              "status": "complete"
            }
          ],
          "self_certification_present": true,
          "final_disclosure_date": "2026-07-20",
          "holiday_dates": [
            "2026-07-21"
          ]
        }
      },
      "output_payload": {
        "compliant": true,
        "completeness_grade": "A",
        "elements_checked": 14,
        "gap_count": 0,
        "application_stage": {
          "element_status": {
            "interest-rate-or-range": "complete",
            "fees-and-default-charges": "complete",
            "repayment-terms": "complete",
            "cosigner-rights-disclosure": "complete",
            "estimated-total-cost": "complete"
          },
          "gaps": []
        },
        "approval_stage": {
          "element_status": {
            "confirmed-interest-rate": "complete",
            "confirmed-fees": "complete",
            "confirmed-repayment-terms": "complete",
            "right-to-accept-30-days-disclosure": "complete",
            "rate-lock-period-disclosure": "complete"
          },
          "gaps": []
        },
        "final_stage": {
          "element_status": {
            "final-interest-rate": "complete",
            "final-fees": "complete",
            "final-repayment-schedule": "complete",
            "right-to-cancel-3-day-disclosure": "complete"
          },
          "gaps": []
        },
        "self_certification_present": true,
        "rescission": {
          "final_disclosure_date": "2026-07-20",
          "third_business_day": "2026-07-24",
          "earliest_permitted_disbursement_date": "2026-07-25",
          "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))."
        },
        "federal_idr_out_of_scope": true,
        "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.",
        "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.",
        "table_version": "REGZ-1026-46-48-PRIVATE-STUDENT-LOAN-CHECKLIST-V1",
        "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)).",
        "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))."
      },
      "compliance_flags": [],
      "golden_hash": "a97d1916214b2b73bfa544c5e9da9cc5b90eed050e040ca7e73d71ae377439cc"
    }
  ]
}