{
  "tool_id": "art-232-compute-scra-rate-cap",
  "kernel_id": "art-232-compute-scra-rate-cap",
  "display_name": "Compute SCRA Rate Cap",
  "tool_version": "1.0.0",
  "mandate_type": "compliance_mandate",
  "purpose": "Computes the SCRA 6% interest rate cap per 50 USC §3937 for pre-service loan obligations. Calculates covered months, excess interest, and forgiveness amount. Excess interest is always forgiven (not deferred) per 50 USC §3937(a)(2). Checks servicemember notification requirement. Flags SCRA_RATE_CAP_VIOLATION (original rate > 6%) and SCRA_NOTIFICATION_MISSING. Table: SCRA-50USC3937-2022.",
  "control_description": "Computes the SCRA 6% interest rate cap per 50 USC §3937 for pre-service loan obligations. Calculates covered months, excess interest, and forgiveness amount. Excess interest is always forgiven (not deferred) per 50 USC §3937(a)(2). Checks servicemember notification requirement. Flags SCRA_RATE_CAP_VIOLATION (original rate > 6%) and SCRA_NOTIFICATION_MISSING. Table: SCRA-50USC3937-2022.",
  "declared_inputs": [
    "art-231-compute-mla-mapr"
  ],
  "declared_outputs": [],
  "kernel_digest": "sha256:0a3d8bc33a4d50ca92a1673b6b23e5bcb483ad80dc375dfba12094440fc0d32d",
  "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-232-compute-scra-rate-cap.html",
  "generated_at": "2026-07-25T20:02:55.601Z"
}