{
  "tool_id": "art-220-reg-z-threshold-lookup",
  "kernel_id": "art-220-reg-z-threshold-lookup",
  "display_name": "Reg Z Threshold Lookup",
  "tool_version": "1.0.0",
  "mandate_type": "compliance_mandate",
  "purpose": "Reg Z version-pinned threshold lookup service. Tables: qm_points_fees, hoepa, hpml, card_penalty. 2021-2026 rows with Federal Register citations and effective dates. This node exists because agents reliably hallucinate current-year dollar thresholds. Annual refresh cadence with FR citation pinning. Covers CARD Act penalty fee note: the CFPB dollar-eight late-fee cap rule was vacated May 2025; prior safe-harbor amounts apply.",
  "control_description": "Reg Z version-pinned threshold lookup service. Tables: qm_points_fees, hoepa, hpml, card_penalty. 2021-2026 rows with Federal Register citations and effective dates. This node exists because agents reliably hallucinate current-year dollar thresholds. Annual refresh cadence with FR citation pinning. Covers CARD Act penalty fee note: the CFPB dollar-eight late-fee cap rule was vacated May 2025; prior safe-harbor amounts apply.",
  "declared_inputs": [],
  "declared_outputs": [],
  "kernel_digest": "sha256:224b7fe562fe4671cc165a1228afc28e82d8abbdfc5ec4c9e93ee480e50587a5",
  "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-220-reg-z-threshold-lookup.html",
  "generated_at": "2026-07-25T20:02:55.601Z"
}