{
  "tool_id": "art-404-check-retail-installment-disclosures",
  "kernel_id": "art-404-check-retail-installment-disclosures",
  "display_name": "Retail Installment Contract TILA Disclosure Checker",
  "tool_version": "1.0.0",
  "mandate_type": "compliance_mandate",
  "purpose": "Ties declared retail-installment-contract Amount Financed, Finance Charge, and Total of Payments (12 CFR 1026.18) against a REUSED amortization schedule -- compose by feeding build_amortization_schedule's (art-332) output_payload straight in, or by reference via its totals and schedule_digest. Does not amortize itself. Also records a dealer-participation/markup declaration as an asserted, receipt-bound fair-lending adjacency note -- no discrimination determination is computed.",
  "control_description": "Ties declared retail-installment-contract Amount Financed, Finance Charge, and Total of Payments (12 CFR 1026.18) against a REUSED amortization schedule -- compose by feeding build_amortization_schedule's (art-332) output_payload straight in, or by reference via its totals and schedule_digest. Does not amortize itself. Also records a dealer-participation/markup declaration as an asserted, receipt-bound fair-lending adjacency note -- no discrimination determination is computed.",
  "declared_inputs": [
    "art-332-build-amortization-schedule",
    "art-324-tvm-npv"
  ],
  "declared_outputs": [],
  "kernel_digest": "sha256:06ea130127d2c462fd7cf1f689399a8c38d577cfe49220ea12f30a71eacaf87e",
  "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": 60,
  "source_url": "https://ainumbers.co/chaingraph/art-404-check-retail-installment-disclosures.html",
  "generated_at": "2026-07-25T20:02:55.601Z"
}