{
  "tool_id": "art-218-qm-points-and-fees",
  "kernel_id": "art-218-qm-points-and-fees",
  "display_name": "QM Points and Fees Test",
  "tool_version": "1.0.0",
  "mandate_type": "compliance_mandate",
  "purpose": "Qualified Mortgage points-and-fees test per Reg Z §1026.43(e)(3). Applies version-pinned 2021-2026 tier table with Federal Register citations. Covers five tiers: 3% for loans over tier-1 minimum, fixed dollar amounts for mid-range loans, 5% and 8% for smaller loans. Agents hallucinate current-year thresholds; this node supplies authoritative version-pinned values.",
  "control_description": "Qualified Mortgage points-and-fees test per Reg Z §1026.43(e)(3). Applies version-pinned 2021-2026 tier table with Federal Register citations. Covers five tiers: 3% for loans over tier-1 minimum, fixed dollar amounts for mid-range loans, 5% and 8% for smaller loans. Agents hallucinate current-year thresholds; this node supplies authoritative version-pinned values.",
  "declared_inputs": [],
  "declared_outputs": [
    "art-219-qm-apr-apor-spread"
  ],
  "kernel_digest": "sha256:d7ba34da2e378662fbb05bc23d6aad6b0b4660bbae6f3111e0dd1c471209029b",
  "trust_label": "independently verified -- zkVM execution proof (risc0/groth16-bn254)",
  "data_vintage": "2026-07-10",
  "last_validated": "2026-07-10",
  "conformance_fixtures_vendored": true,
  "compute_proof_ready": "ready",
  "wave": 37,
  "source_url": "https://ainumbers.co/chaingraph/art-218-qm-points-and-fees.html",
  "generated_at": "2026-07-25T20:02:55.601Z"
}