{
  "tool_id": "art-475-cfpb-1071-coverage-check",
  "kernel_id": "art-475-cfpb-1071-coverage-check",
  "display_name": "CFPB 1071 Coverage Check & SBLAR Record Validator",
  "tool_version": "1.0.0",
  "mandate_type": "compliance_mandate",
  "purpose": "CFPB Section 1071 small business lending rule (Regulation B subpart B, revised final rule published 2026-05-01): determines whether a financial institution is a covered originator by checking its small-business-originations count against the 1,000-origination threshold for each of the two preceding calendar years, and validates a batch of Small Business Lending Application Register (SBLAR) records against a caller-supplied required-field schema. Fixed compliance-date reference: data collection begins 2028-01-01, first SBLAR submission due 2029-06-01. Deterministic threshold comparison and field-presence check only -- no filing, no submission, no hardcoded field-list claim beyond the caller's supplied schema.",
  "control_description": "CFPB Section 1071 small business lending rule (Regulation B subpart B, revised final rule published 2026-05-01): determines whether a financial institution is a covered originator by checking its small-business-originations count against the 1,000-origination threshold for each of the two preceding calendar years, and validates a batch of Small Business Lending Application Register (SBLAR) records against a caller-supplied required-field schema. Fixed compliance-date reference: data collection begins 2028-01-01, first SBLAR submission due 2029-06-01. Deterministic threshold comparison and field-presence check only -- no filing, no submission, no hardcoded field-list claim beyond the caller's supplied schema.",
  "declared_inputs": [],
  "declared_outputs": [],
  "kernel_digest": "sha256:0ef028be15ca148086aa48b2fc87b6f735c14233206ae951b0d1c8f285b98c72",
  "trust_label": "deferred -- deterministic source published, zkVM proof not yet generated -- New shard from BANK-1071-RENUM-1, ships ahead of the next batched §18 prove sweep per SO #6.",
  "data_vintage": "2026-07-10",
  "last_validated": "2026-07-10",
  "conformance_fixtures_vendored": true,
  "compute_proof_ready": "deferred",
  "wave": 70,
  "source_url": "https://ainumbers.co/chaingraph/art-475-cfpb-1071-coverage-check.html",
  "generated_at": "2026-07-25T20:02:55.601Z"
}