{
  "tool_id": "art-235-test-hpml-escrow",
  "kernel_id": "art-235-test-hpml-escrow",
  "display_name": "HPML Definition and Escrow Requirement Test",
  "tool_version": "1.0.0",
  "mandate_type": "compliance_mandate",
  "purpose": "Tests whether a loan qualifies as a Higher-Priced Mortgage Loan (HPML) per Reg Z §1026.35(a)(1): APOR+1.5pp first-lien, APOR+2.5pp jumbo, APOR+3.5pp subordinate (Dodd-Frank structural thresholds, unchanged since 2014). Applies §1026.35(b)(1) escrow requirement for first-lien HPMLs and checks §1026.35(b)(2) exemptions (rural or underserved small creditor, condo master policy). Consumes art-220 (lookup_reg_z_thresholds) for the pinned HPML threshold table. For HOEPA high-cost triggers (APOR+6.5pp/8.5pp): use test_hoepa_high_cost (art-234), not this node.",
  "control_description": "Tests whether a loan qualifies as a Higher-Priced Mortgage Loan (HPML) per Reg Z §1026.35(a)(1): APOR+1.5pp first-lien, APOR+2.5pp jumbo, APOR+3.5pp subordinate (Dodd-Frank structural thresholds, unchanged since 2014). Applies §1026.35(b)(1) escrow requirement for first-lien HPMLs and checks §1026.35(b)(2) exemptions (rural or underserved small creditor, condo master policy). Consumes art-220 (lookup_reg_z_thresholds) for the pinned HPML threshold table. For HOEPA high-cost triggers (APOR+6.5pp/8.5pp): use test_hoepa_high_cost (art-234), not this node.",
  "declared_inputs": [
    "art-220-reg-z-threshold-lookup"
  ],
  "declared_outputs": [],
  "kernel_digest": "sha256:41826ca9f3d3ba48ad150289c96f2aad017594ea96ff49fb448fabf84fdb6bef",
  "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-235-test-hpml-escrow.html",
  "generated_at": "2026-07-25T20:02:55.601Z"
}