---
title: "MLA Charge-Inclusion Classifier"
method: POST
path: "/v1/tools/classify_mla_charge_inclusion"
tags: ["compliance_mandate", "military-lending-act", "mapr", "32-cfr-232", "consumer-credit", "charge-inclusion", "exhaustive-enumeration", "mcp:classify_mla_charge_inclusion"]
---

# MLA Charge-Inclusion Classifier

`POST /v1/tools/classify_mla_charge_inclusion`

## Request

- Base URL: `https://ainumbers.co`
- URL: `https://ainumbers.co/v1/tools/classify_mla_charge_inclusion`
- Auth: none declared

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

## Request body

- object
  - `charge_type` string, required
  - `is_credit_card_account` boolean
  - `short_term_exception_claimed` boolean

## Response `200`

Successful tool execution result

- object
  - `charge_type` string, nullable
  - `is_credit_card_account` boolean
  - `short_term_exception_claimed` boolean
  - `included_in_mapr` union
    - boolean
    - string
  - `citation` string, nullable
  - `basis` string, nullable
  - `conditional_limit_usd` number, nullable
  - `manual_review_required` boolean
  - `manual_review_reason` string, nullable

---

[API](https://skmtc.dev/ainumbers/apis/ainumbers-co-fintech-intelligence-suite.md) · [All operations](https://skmtc.dev/ainumbers/apis/ainumbers-co-fintech-intelligence-suite/llms.txt) · [OpenAPI document](https://skmtc.dev/ainumbers/apis/ainumbers-co-fintech-intelligence-suite/revisions/b462e4f5bb28?raw)