{
  "tool_id": "art-332-build-amortization-schedule",
  "kernel_id": "art-332-build-amortization-schedule",
  "display_name": "Amortization Schedule Builder",
  "tool_version": "1.0.0",
  "mandate_type": "compliance_mandate",
  "purpose": "Deterministic amortization schedule builder covering level-payment, ARM (index plus margin, periodic and lifetime caps, recast), interest-only, balloon, and temporary buydown (2-1 or 3-2-1) structures, per the unit-period and odd-days conventions in 12 CFR 1026 Appendix J. Returns the full period-by-period schedule (principal, interest, ending balance), totals, a schedule_digest, and advances/payments arrays shaped for direct use as the actuarial APR solver's input. Cents-integer fixed-point math throughout; no floating-point drift.",
  "control_description": "Deterministic amortization schedule builder covering level-payment, ARM (index plus margin, periodic and lifetime caps, recast), interest-only, balloon, and temporary buydown (2-1 or 3-2-1) structures, per the unit-period and odd-days conventions in 12 CFR 1026 Appendix J. Returns the full period-by-period schedule (principal, interest, ending balance), totals, a schedule_digest, and advances/payments arrays shaped for direct use as the actuarial APR solver's input. Cents-integer fixed-point math throughout; no floating-point drift.",
  "declared_inputs": [],
  "declared_outputs": [
    "art-215-reg-z-appendix-j-apr"
  ],
  "kernel_digest": "sha256:8885c70d3b73687cac1d701f769dca9e13c67e4101c9ff6cd9707922f141439b",
  "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": 59,
  "source_url": "https://ainumbers.co/chaingraph/art-332-build-amortization-schedule.html",
  "generated_at": "2026-07-25T20:02:55.601Z"
}