{
  "tool_id": "art-342-compute-escrow-analysis",
  "kernel_id": "art-342-compute-escrow-analysis",
  "display_name": "RESPA Aggregate Escrow Analysis",
  "tool_version": "1.0.0",
  "mandate_type": "compliance_mandate",
  "purpose": "12 CFR 1024.17 (Reg X) aggregate escrow accounting method: builds a 12-month trial running balance from a starting balance, a monthly escrow deposit, and the projected annual disbursement schedule, compares the low point to the 1/6-of-annual-disbursements cushion target, and classifies the account as balanced, shortage, deficiency, or surplus with the corresponding spread/refund remedy. Not test_hpml_escrow (art-235), which tests whether an escrow account was required to be established in the first place.",
  "control_description": "12 CFR 1024.17 (Reg X) aggregate escrow accounting method: builds a 12-month trial running balance from a starting balance, a monthly escrow deposit, and the projected annual disbursement schedule, compares the low point to the 1/6-of-annual-disbursements cushion target, and classifies the account as balanced, shortage, deficiency, or surplus with the corresponding spread/refund remedy. Not test_hpml_escrow (art-235), which tests whether an escrow account was required to be established in the first place.",
  "declared_inputs": [
    "art-235-test-hpml-escrow"
  ],
  "declared_outputs": [],
  "kernel_digest": "sha256:e607aef8dedf929559f5a0daafd8a26ba54b900cd7d64c91ee96f5c88416aa9d",
  "trust_label": "independently verified -- zkVM execution proof (risc0/groth16-bn254)",
  "data_vintage": "2026-07-17",
  "last_validated": "2026-07-17",
  "conformance_fixtures_vendored": true,
  "compute_proof_ready": "ready",
  "wave": 60,
  "source_url": "https://ainumbers.co/chaingraph/art-342-compute-escrow-analysis.html",
  "generated_at": "2026-07-25T20:02:55.601Z"
}