{
  "tool_id": "art-234-test-hoepa-high-cost",
  "kernel_id": "art-234-test-hoepa-high-cost",
  "display_name": "HOEPA High-Cost Mortgage Trigger Test",
  "tool_version": "1.0.0",
  "mandate_type": "compliance_mandate",
  "purpose": "Tests all three HOEPA high-cost mortgage triggers per Reg Z §1026.32(a)(1): (i) APR trigger (APOR+6.5pp first-lien, APOR+8.5pp subordinate or dwelling below $50k); (ii) points-and-fees trigger (5% of loan or $1,380 floor, 2026, FR 2025-22773); (iii) prepayment penalty trigger (>36 months or >2% of prepaid amount). Outputs is_high_cost plus which triggers fired. Consumes art-220 (lookup_reg_z_thresholds) for the pinned HOEPA threshold table. Use test_hpml_escrow (art-235) for HPML escrow, not HOEPA. Use check_qm_points_and_fees (art-218) for the QM points-and-fees ability-to-repay test.",
  "control_description": "Tests all three HOEPA high-cost mortgage triggers per Reg Z §1026.32(a)(1): (i) APR trigger (APOR+6.5pp first-lien, APOR+8.5pp subordinate or dwelling below $50k); (ii) points-and-fees trigger (5% of loan or $1,380 floor, 2026, FR 2025-22773); (iii) prepayment penalty trigger (>36 months or >2% of prepaid amount). Outputs is_high_cost plus which triggers fired. Consumes art-220 (lookup_reg_z_thresholds) for the pinned HOEPA threshold table. Use test_hpml_escrow (art-235) for HPML escrow, not HOEPA. Use check_qm_points_and_fees (art-218) for the QM points-and-fees ability-to-repay test.",
  "declared_inputs": [
    "art-220-reg-z-threshold-lookup"
  ],
  "declared_outputs": [],
  "kernel_digest": "sha256:e5a263ed1661368515b9067ec68da298ff6673a824b28c901bb1325bcf51a2a7",
  "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-234-test-hoepa-high-cost.html",
  "generated_at": "2026-07-25T20:02:55.601Z"
}