{
  "tool_id": "art-230-compute-hmda-rate-spread",
  "kernel_id": "art-230-compute-hmda-rate-spread",
  "display_name": "Compute HMDA Rate Spread",
  "tool_version": "1.0.0",
  "mandate_type": "compliance_mandate",
  "purpose": "Computes the HMDA rate spread (APR minus APOR) per FFIEC methodology and classifies against HMDA reportability thresholds: 1.5 pp (first lien), 3.5 pp (subordinate lien), 6.5 pp (HELOC). Outputs rate_spread_pct, lien classification, is_reportable flag, and HPML indicator (1.5 pp first / 3.5 pp sub, triggers escrow and appraisal requirements under TILA). Table version: FFIEC-RATE-SPREAD-METHODOLOGY-2023.",
  "control_description": "Computes the HMDA rate spread (APR minus APOR) per FFIEC methodology and classifies against HMDA reportability thresholds: 1.5 pp (first lien), 3.5 pp (subordinate lien), 6.5 pp (HELOC). Outputs rate_spread_pct, lien classification, is_reportable flag, and HPML indicator (1.5 pp first / 3.5 pp sub, triggers escrow and appraisal requirements under TILA). Table version: FFIEC-RATE-SPREAD-METHODOLOGY-2023.",
  "declared_inputs": [],
  "declared_outputs": [
    "art-229-compute-disparity-metrics"
  ],
  "kernel_digest": "sha256:bf8ab4e43a576fd89244c8f1a43a0adb3c8ae4fb433d163a90773584efe86b9b",
  "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": 39,
  "source_url": "https://ainumbers.co/chaingraph/art-230-compute-hmda-rate-spread.html",
  "generated_at": "2026-07-25T20:02:55.601Z"
}