{
  "tool_id": "art-475-cfpb-1071-coverage-check",
  "note": "golden_hash filled by golden-parity.test.mjs --update. Vector 1: both look-back years clear the 1,000 threshold, all SBLAR records complete against the caller's required-field schema. Vector 2: second look-back year misses the threshold -- not covered, no records supplied. Vector 3: covered institution with one complete and one incomplete SBLAR record -- demonstrates per-record field-presence validation and the mixed-batch summary. Vector 4: zero-input edge (no originations, no required fields, no records -- not covered, no SBLAR flag emitted since the record set is empty).",
  "vectors": [
    {
      "name": "seeded_default_covered_valid_sblar",
      "description": "Originated 1,500 (year 1) and 1,200 (year 2) covered small-business loans -- both clear the 1,000 threshold, so the institution is covered. Two SBLAR records, each complete against the 3-field required schema.",
      "policy_parameters": {
        "originations_year1_count": 1500,
        "originations_year2_count": 1200,
        "required_sblar_fields": [
          "uli",
          "application_date",
          "action_taken"
        ],
        "sblar_records": [
          {
            "record_id": "rec-1",
            "fields": {
              "uli": "X123",
              "application_date": "2028-02-01",
              "action_taken": "originated"
            }
          },
          {
            "record_id": "rec-2",
            "fields": {
              "uli": "X124",
              "application_date": "2028-02-03",
              "action_taken": "denied"
            }
          }
        ]
      },
      "output_payload": {
        "threshold": 1000,
        "originations_year1_count": 1500,
        "originations_year2_count": 1200,
        "covered": true,
        "compliance_dates": {
          "data_collection_start": "2028-01-01",
          "first_sblar_due": "2029-06-01"
        },
        "required_sblar_fields": [
          "uli",
          "application_date",
          "action_taken"
        ],
        "sblar_records": [
          {
            "record_id": "rec-1",
            "required_fields_count": 3,
            "present_fields_count": 3,
            "missing_fields": [],
            "valid": true
          },
          {
            "record_id": "rec-2",
            "required_fields_count": 3,
            "present_fields_count": 3,
            "missing_fields": [],
            "valid": true
          }
        ],
        "sblar_summary": {
          "total_records": 2,
          "valid_records": 2,
          "invalid_records": 0
        },
        "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.",
        "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."
      },
      "compliance_flags": [
        "COVERED_INSTITUTION",
        "ALL_SBLAR_RECORDS_VALID"
      ],
      "golden_hash": "b866d99d52bc568369f03a0177e80f4fdf20c4d29800dd0f11a227cb976e4d14"
    },
    {
      "name": "not_covered_threshold_miss",
      "description": "Year 1 clears the threshold at 1,500 originations but year 2 falls to 800 -- below 1,000. Coverage requires BOTH years to clear the threshold, so the institution is not covered. No SBLAR records supplied.",
      "policy_parameters": {
        "originations_year1_count": 1500,
        "originations_year2_count": 800,
        "required_sblar_fields": [],
        "sblar_records": []
      },
      "output_payload": {
        "threshold": 1000,
        "originations_year1_count": 1500,
        "originations_year2_count": 800,
        "covered": false,
        "compliance_dates": {
          "data_collection_start": "2028-01-01",
          "first_sblar_due": "2029-06-01"
        },
        "required_sblar_fields": [],
        "sblar_records": [],
        "sblar_summary": {
          "total_records": 0,
          "valid_records": 0,
          "invalid_records": 0
        },
        "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.",
        "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."
      },
      "compliance_flags": [
        "NOT_COVERED_INSTITUTION"
      ],
      "golden_hash": "cd55e10ec39d64792764236855d1ebcbf8fcba4cea6294303227e1f3e4bb498c"
    },
    {
      "name": "covered_with_invalid_sblar_record",
      "description": "Covered institution (2,000 / 1,100 originations) submits two SBLAR records against a 4-field required schema: rec-A is complete, rec-B is missing loan_amount -- demonstrates per-record field-presence validation and a mixed-batch summary.",
      "policy_parameters": {
        "originations_year1_count": 2000,
        "originations_year2_count": 1100,
        "required_sblar_fields": [
          "uli",
          "application_date",
          "action_taken",
          "loan_amount"
        ],
        "sblar_records": [
          {
            "record_id": "rec-A",
            "fields": {
              "uli": "A1",
              "application_date": "2028-03-01",
              "action_taken": "originated",
              "loan_amount": 50000
            }
          },
          {
            "record_id": "rec-B",
            "fields": {
              "uli": "B1",
              "application_date": "2028-03-02",
              "action_taken": "originated"
            }
          }
        ]
      },
      "output_payload": {
        "threshold": 1000,
        "originations_year1_count": 2000,
        "originations_year2_count": 1100,
        "covered": true,
        "compliance_dates": {
          "data_collection_start": "2028-01-01",
          "first_sblar_due": "2029-06-01"
        },
        "required_sblar_fields": [
          "uli",
          "application_date",
          "action_taken",
          "loan_amount"
        ],
        "sblar_records": [
          {
            "record_id": "rec-A",
            "required_fields_count": 4,
            "present_fields_count": 4,
            "missing_fields": [],
            "valid": true
          },
          {
            "record_id": "rec-B",
            "required_fields_count": 4,
            "present_fields_count": 3,
            "missing_fields": [
              "loan_amount"
            ],
            "valid": false
          }
        ],
        "sblar_summary": {
          "total_records": 2,
          "valid_records": 1,
          "invalid_records": 1
        },
        "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.",
        "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."
      },
      "compliance_flags": [
        "COVERED_INSTITUTION",
        "SBLAR_RECORDS_INVALID"
      ],
      "golden_hash": "4c5352c4e2511a21fd59b76b23be4b4f33ae07a05baa3a150f394cd5a7cb813b"
    },
    {
      "name": "zero_input_edge",
      "description": "No originations in either year, no required fields, no SBLAR records. Not covered; empty record set means no SBLAR validity flag is emitted at all.",
      "policy_parameters": {
        "originations_year1_count": 0,
        "originations_year2_count": 0,
        "required_sblar_fields": [],
        "sblar_records": []
      },
      "output_payload": {
        "threshold": 1000,
        "originations_year1_count": 0,
        "originations_year2_count": 0,
        "covered": false,
        "compliance_dates": {
          "data_collection_start": "2028-01-01",
          "first_sblar_due": "2029-06-01"
        },
        "required_sblar_fields": [],
        "sblar_records": [],
        "sblar_summary": {
          "total_records": 0,
          "valid_records": 0,
          "invalid_records": 0
        },
        "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.",
        "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."
      },
      "compliance_flags": [
        "NOT_COVERED_INSTITUTION"
      ],
      "golden_hash": "376bacaba138c04fec3499ef3399238c9dbf419af74e90ea2f7f98270fc3e90b"
    }
  ]
}