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FinanceRateCalc HMDA statistics

Check a sentence against a figure's contract

check_claim_contract
Read-onlyIdempotent

Checks a proposed statement of a FinanceRateCalc figure against that figure's published use contract, so the sentence can be verified before it is written. Two input modes. (A) Flags: claim id plus the use you propose (population, period, scope, cause, individual prediction, lender recommendation, legal conclusion). (B) Sentence: claim id plus proposed_sentence, the exact sentence you intend to write; the tool checks it with fixed patterns, no model, for a missing period, missing program scope, a population wider than the claim, second-person prediction, causal wording, lender advice, legal conclusions, and values this publisher has since corrected. Returns a deterministic verdict: pass, needs_qualifier (naming the missing qualifier) or block (with a reason code), plus a safe sentence you may use verbatim and the required attribution. Most misuse of these statistics is omission, not invention: the number is right and the population is missing. NOT FOR: figures published by anyone other than FinanceRateCalc. (C) Rule sentence: passport_id of a rule file (frc:rule:…, five tables: FHA annual MIP, FHA forward loan limits 2026, FHFA conforming limits 2026, CFPB HOEPA/QM thresholds 2026, VA funding fee) plus proposed_sentence; each dollar or percent figure is bound to the role named in its own clause (floor or ceiling, tier, first or subsequent use, threshold item) and compared with that cell, so a right number under the wrong role is a mismatch and an unbound number earns no receipt; every figure is also classified as current, superseded (STALE_VALUE), belonging to a different rule (VALUE_FROM_OTHER_RULE, e.g. the $726,200 MIP threshold quoted as a loan limit), or not in the table (VALUE_MISMATCH / UNVERIFIED_VALUE); the year, units, tier, use, down-payment band and stated dates are checked (a date before the rule's start blocks; a missing MIP case date is never assumed), and a passing sentence with at least one bound figure returns a verifiable rule receipt.

Input Schema

TableJSON Schema
NameRequiredDescriptionDefault
passport_idYes
causal_assertionNo
legal_conclusionNo
proposed_sentenceNoThe exact sentence you intend to write. Checked with fixed patterns; no model.
qualifier_droppedNo
attribution_presentNo
individual_predictionNo
scope_beyond_universeNo
personalized_recommendationNo

Schema Changelog

Changes observed during successful MCP inspections.

  1. Changed1 schema field changed
    • addedInput schema / properties / proposed_sentence
      Added value: +{
      +  "description": "The exact sentence you intend to write. Checked with fixed patterns; no model.",
      +  "type": "string"
      +}
  2. Added

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