MLA Charge-Inclusion Classifier

Closed-set lookup of whether a charge type must be included in the Military Lending Act MAPR under 32 CFR 232.4(c) and 232.4(d). Returns included_in_mapr as true, false or conditional, the exact paragraph cited, a plain basis sentence, the named participation-fee figure where the regulation states one, and an explicit manual-review flag on the single cell a closed-set lookup cannot resolve. The declared domain is 9 charge types x is_credit_card_account x short_term_exception_claimed = 36 states, all enumerated. Three charge types return conditional rather than a boolean because the regulation's own worked examples at 232.4(d)(4)(iii) run the same fee twice and reach opposite answers on facts a charge type cannot express. The 232.4(c)(1)(iii)(B) short-term carve-out sets manual_review_required and names its three missing predicates instead of guessing. conditional_limit_usd reports the $100 per annum figure of 232.4(c)(2)(ii)(B) on the participation-fee credit-card cells: it names that figure and never compares it to an amount, since 232.4(c)(2)(ii)(B) withdraws the limit for a bona fide participation fee under paragraph (d) and 232.4(d)(3)(iv) offers a $400 fee as potentially reasonable. Performs no arithmetic: no ratio, no scale, no threshold compare, no rounding. Does not determine covered-borrower status, does not compute a MAPR, does not compare anything to the 36 percent limit of 232.4(b), and does not decide whether a fee is bona fide or reasonable under 232.4(d)(1) and 232.4(d)(3).

Tool URL: https://ainumbers.co/chaingraph/art-615-mla-charge-inclusion-classifier.html