{
  "tool_id": "art-231-compute-mla-mapr",
  "kernel_id": "art-231-compute-mla-mapr",
  "display_name": "Compute MLA MAPR",
  "tool_version": "1.0.0",
  "mandate_type": "compliance_mandate",
  "purpose": "Computes the Military Annual Percentage Rate (MAPR) per 32 CFR §232.4(c) and checks compliance with the 36% cap. MAPR includes all charges excluded from Reg Z APR: credit insurance premiums, debt suspension/cancellation fees, annual membership fees, participation fees, and application fees (credit card only). Bona fide fee exemption: $100/year maximum. Flags MAPR_EXCEEDS_CAP_VIOLATION when MAPR > 36%. DoD MLA rule (32 CFR Part 232), effective October 3, 2016.",
  "control_description": "Computes the Military Annual Percentage Rate (MAPR) per 32 CFR §232.4(c) and checks compliance with the 36% cap. MAPR includes all charges excluded from Reg Z APR: credit insurance premiums, debt suspension/cancellation fees, annual membership fees, participation fees, and application fees (credit card only). Bona fide fee exemption: $100/year maximum. Flags MAPR_EXCEEDS_CAP_VIOLATION when MAPR > 36%. DoD MLA rule (32 CFR Part 232), effective October 3, 2016.",
  "declared_inputs": [],
  "declared_outputs": [
    "art-232-compute-scra-rate-cap"
  ],
  "kernel_digest": "sha256:e9b9b082247169960162cead0f1a9f635aa7316903b963cd3f500366aafc3625",
  "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-231-compute-mla-mapr.html",
  "generated_at": "2026-07-25T20:02:55.601Z"
}