{
  "tool_id": "art-431-fdic-assessment-rate-calculator",
  "note": "FDIC deposit-insurance assessment rate scorecard lookup + adjustments (BANK-D-FDICASMT-1). Vector 1: mid-bracket score, no clamp. Vector 2: high score + adjustments pushed above the cap, exercises rate_floor_or_cap_applied + FDIC_ASSESSMENT_RATE_FLOOR_OR_CAP_APPLIED. Vector 3: empty rate schedule, exercises base_rate_bp: null + FDIC_RATE_SCHEDULE_MISSING_OR_EMPTY finite gate.",
  "vectors": [
    {
      "name": "mid_bracket_no_clamp",
      "description": "Score 62 falls in the second bracket (base 7bp), small adjustments, no floor/cap clamp.",
      "policy_parameters": {
        "rate_schedule_version": "FDIC-2023-FINAL-RULE-SAMPLE-V1",
        "total_score": 62,
        "rate_brackets": [
          {
            "max_score": 50,
            "base_rate_bp": 4
          },
          {
            "max_score": 75,
            "base_rate_bp": 7
          },
          {
            "max_score": 90,
            "base_rate_bp": 12
          },
          {
            "max_score": null,
            "base_rate_bp": 20
          }
        ],
        "unsecured_debt_adjustment_bp": -1,
        "brokered_deposit_adjustment_bp": 0.5,
        "rate_floor_bp": 1.5,
        "rate_cap_bp": 40,
        "assessment_base_musd": 8000
      },
      "output_payload": {
        "rate_schedule_version": "FDIC-2023-FINAL-RULE-SAMPLE-V1",
        "total_score": 62,
        "base_rate_bp": 7,
        "unsecured_debt_adjustment_bp": -1,
        "brokered_deposit_adjustment_bp": 0.5,
        "total_rate_bp": 6.5,
        "rate_floor_bp": 1.5,
        "rate_cap_bp": 40,
        "rate_floor_or_cap_applied": false,
        "assessment_base_musd": 8000,
        "estimated_quarterly_assessment_musd": 1.3,
        "npr_banner": "A pending FDIC assessments rulemaking (NPR, June 2026) may revise this rate schedule -- verify the current published schedule at fdic.gov before relying on this output for any live filing decision.",
        "note": "Base rate = lookup of the supplied composite CAMELS + financial-ratio score against a caller-supplied rate-bracket schedule (policy input, not hardcoded), then adjusted for unsecured debt and brokered deposits and floored/capped to the caller-supplied statutory range. Does NOT compute the composite score itself and is NOT a filing-ready assessment invoice."
      },
      "golden_hash": "8ff8ea5a88d11ed54254be1ab42d3e417dfa5a27e8d3986f2674fa52094bbd17"
    },
    {
      "name": "high_score_capped",
      "description": "Score 95 hits the top bracket (20bp) plus a large brokered-deposit adjustment, clamped down to the 40bp cap.",
      "policy_parameters": {
        "rate_schedule_version": "FDIC-2023-FINAL-RULE-SAMPLE-V1",
        "total_score": 95,
        "rate_brackets": [
          {
            "max_score": 50,
            "base_rate_bp": 4
          },
          {
            "max_score": 75,
            "base_rate_bp": 7
          },
          {
            "max_score": 90,
            "base_rate_bp": 12
          },
          {
            "max_score": null,
            "base_rate_bp": 20
          }
        ],
        "unsecured_debt_adjustment_bp": 0,
        "brokered_deposit_adjustment_bp": 25,
        "rate_floor_bp": 1.5,
        "rate_cap_bp": 40,
        "assessment_base_musd": 3000
      },
      "output_payload": {
        "rate_schedule_version": "FDIC-2023-FINAL-RULE-SAMPLE-V1",
        "total_score": 95,
        "base_rate_bp": 20,
        "unsecured_debt_adjustment_bp": 0,
        "brokered_deposit_adjustment_bp": 25,
        "total_rate_bp": 40,
        "rate_floor_bp": 1.5,
        "rate_cap_bp": 40,
        "rate_floor_or_cap_applied": true,
        "assessment_base_musd": 3000,
        "estimated_quarterly_assessment_musd": 3,
        "npr_banner": "A pending FDIC assessments rulemaking (NPR, June 2026) may revise this rate schedule -- verify the current published schedule at fdic.gov before relying on this output for any live filing decision.",
        "note": "Base rate = lookup of the supplied composite CAMELS + financial-ratio score against a caller-supplied rate-bracket schedule (policy input, not hardcoded), then adjusted for unsecured debt and brokered deposits and floored/capped to the caller-supplied statutory range. Does NOT compute the composite score itself and is NOT a filing-ready assessment invoice."
      },
      "golden_hash": "6a2fb61cfbfad84fd005855cdaf02845b428968cfa1df520ab1ebd4be817fce8"
    },
    {
      "name": "empty_rate_schedule_edge_case",
      "description": "No rate_brackets supplied -- base_rate_bp/total_rate_bp/estimated_quarterly_assessment_musd all null, not NaN (finite gate).",
      "policy_parameters": {
        "rate_schedule_version": "FDIC-2023-FINAL-RULE-SAMPLE-V1",
        "total_score": 62,
        "rate_brackets": [],
        "unsecured_debt_adjustment_bp": -1,
        "brokered_deposit_adjustment_bp": 0.5,
        "rate_floor_bp": 1.5,
        "rate_cap_bp": 40,
        "assessment_base_musd": 8000
      },
      "output_payload": {
        "rate_schedule_version": "FDIC-2023-FINAL-RULE-SAMPLE-V1",
        "total_score": 62,
        "base_rate_bp": null,
        "unsecured_debt_adjustment_bp": -1,
        "brokered_deposit_adjustment_bp": 0.5,
        "total_rate_bp": null,
        "rate_floor_bp": 1.5,
        "rate_cap_bp": 40,
        "rate_floor_or_cap_applied": false,
        "assessment_base_musd": 8000,
        "estimated_quarterly_assessment_musd": null,
        "npr_banner": "A pending FDIC assessments rulemaking (NPR, June 2026) may revise this rate schedule -- verify the current published schedule at fdic.gov before relying on this output for any live filing decision.",
        "note": "Base rate = lookup of the supplied composite CAMELS + financial-ratio score against a caller-supplied rate-bracket schedule (policy input, not hardcoded), then adjusted for unsecured debt and brokered deposits and floored/capped to the caller-supplied statutory range. Does NOT compute the composite score itself and is NOT a filing-ready assessment invoice."
      },
      "golden_hash": "8be2dd7e0e0edd5ae26eff189196c8c9dd2faf748534efb52fdc48a773561959"
    }
  ]
}