{
  "tool_id": "art-233-check-card-act-ability-to-pay",
  "kernel_id": "art-233-check-card-act-ability-to-pay",
  "display_name": "Check CARD Act Ability to Pay",
  "tool_version": "1.0.0",
  "mandate_type": "compliance_mandate",
  "purpose": "Evaluates a credit card application against CARD Act §1026.51 ability-to-pay requirements. Computes monthly minimum payment from the requested credit limit and minimum payment percentage. Checks DTI against the 45% threshold using income and assets. Applies the under-21 independent-income restriction (§1026.51(b)). Reports the §1026.52(b) penalty fee safe harbor ($32 first violation / $43 subsequent). CFPB $8 late fee rule vacated January 17, 2025 (Fifth Circuit, No. 24-10266); $32/$43 thresholds remain in effect.",
  "control_description": "Evaluates a credit card application against CARD Act §1026.51 ability-to-pay requirements. Computes monthly minimum payment from the requested credit limit and minimum payment percentage. Checks DTI against the 45% threshold using income and assets. Applies the under-21 independent-income restriction (§1026.51(b)). Reports the §1026.52(b) penalty fee safe harbor ($32 first violation / $43 subsequent). CFPB $8 late fee rule vacated January 17, 2025 (Fifth Circuit, No. 24-10266); $32/$43 thresholds remain in effect.",
  "declared_inputs": [],
  "declared_outputs": [
    "art-228-build-adverse-action-notice"
  ],
  "kernel_digest": "sha256:d86f9301b3835cd8d80c1ed5bfa8cc607bbeb1876e91b2482c16eb64316db228",
  "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-233-check-card-act-ability-to-pay.html",
  "generated_at": "2026-07-25T20:02:55.601Z"
}