---
title: "Compute MLA MAPR (closed-end)"
method: POST
path: "/v1/tools/compute_mla_mapr"
tags: ["TODO_TAGS_REVIEW", "TODO_AP2_EXPORT_REVIEW"]
---

# Compute MLA MAPR (closed-end)

`POST /v1/tools/compute_mla_mapr`

## Request

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

Computes the Military Annual Percentage Rate for CLOSED-END consumer credit and tests it against the 36 percent limit that 10 USC 987(b) imposes and 32 CFR 232.4(b) sets out. 32 CFR 232.4(c)(2)(i) directs that a closed-end MAPR is calculated by Regulation Z's own rules for the annual percentage rate, based on the wider charge set in 232.4(c)(1), so this node solves the Appendix J actuarial equation from a cash-flow schedule instead of dividing charges by an original principal. A fraction of a unit-period is priced at simple interest per Appendix J (b)(6), only whole unit-periods compound, and the annual figure is the unit-period rate multiplied by the unit-periods in a year per (b)(1). A single advance repaid by a single payment takes its term as the unit-period per (b)(4)(ii), with 365 divided by the days in the term as the unit-periods per year per (b)(5)(vi) and (b)(5)(vii), so the term is day-granular and a 45-day loan is expressible rather than quantised to whole months. Every charge 232.4(c)(1) includes carries its own input: credit insurance premiums, debt cancellation contract fees and debt suspension agreement fees under (c)(1)(i), credit-related ancillary product fees under (c)(1)(ii), finance charges under (c)(1)(iii)(A), application fees under (c)(1)(iii)(B), and participation fees under (c)(1)(iii)(C). Each of them moves the reported rate. The application-fee exception in (c)(1)(iii)(B) is evaluated as the three conjunctive predicates the text states, a Federal credit union or insured depository institution creditor, a short-term small amount loan, and a fee charged not more than once in any rolling 12-month period; with anything less than all three the fee stays in. SCOPE, stated plainly: open-end credit is OUT OF SCOPE. 32 CFR 232.4(c)(2)(ii)(A) prices open-end credit on the balance for a billing cycle under 12 CFR 1026.14(c) and (d), and 232.4(c)(2)(ii)(B) governs a billing cycle with no balance. Neither is computed here, and a call declaring an open-end class or a credit card account returns no rate rather than a closed-end number. Because the bona fide fee exclusion in 232.4(d)(1) reaches only a credit card account under an open-end plan, no such exclusion is available on this path, so a caller-declared bona fide amount is recorded and included anyway. A charge is modelled as collected at consummation and deducted from the amount financed, except a finance charge, which is carried by the payment schedule and never deducted twice. A rate is reported only when a sign-change bracket was established and narrowed, so a schedule with no non-negative rate returns no figure rather than a guess. A schedule of more than 600 payments is out of scope and also returns no rate: that ceiling is a declared structural limit of this node, not a rule of law, and it keeps the work done per call bounded by a constant rather than by a caller-supplied payment count. RELATED NODE, so the two MLA MAPR nodes are told apart: this node DERIVES the payment schedule itself from described loan terms, an amount advanced repaid either by a single payment at a stated term in days or by a level installment series, so it is the one to reach for when the cash flows are not already in hand. Where a caller ALREADY HOLDS the cash flows, art-616-mla-mapr-actuarial-recompute recomputes the same closed-end MAPR by the same Appendix J actuarial method directly from those caller-supplied cash flows and charges, deriving no schedule of its own. DoD MLA rule 80 FR 43560 (22 July 2015): effective 1 October 2015, compliance required from 3 October 2016 and from 3 October 2017 for credit card accounts.

**Tool URL:** https://ainumbers.co/chaingraph/art-231-compute-mla-mapr.html

## Request body

- object
  - `ancillary_product_fee_total` unknown, required
  - `application_fee` unknown, required
  - `application_fee_once_in_rolling_12_months` boolean, required
  - `bona_fide_fee_claimed_total` unknown, required
  - `credit_class` unknown, required
  - `credit_insurance_premium_total` unknown, required
  - `creditor_is_fcu_or_idi` boolean, required
  - `debt_cancellation_fee_total` unknown, required
  - `debt_suspension_fee_total` unknown, required
  - `finance_charge_total` unknown, required
  - `is_credit_card` boolean, required
  - `is_short_term_small_amount_loan` boolean, required
  - `loan_amount` unknown, required
  - `participation_fee_annual` unknown, required
  - `payment_amount` unknown, required
  - `payment_count` number: Count
  - `payment_structure` unknown, required
  - `payments_per_year` number
  - `term_days` number: Duration in days

## Response `200`

Successful tool execution result

- object
  - `amount_advanced` integer
  - `amount_financed_mapr` integer
  - `application_fee_carve_out_applied` boolean
  - `application_fee_carve_out_predicates` object
    - `application_fee_once_in_rolling_12_months` boolean
    - `creditor_is_fcu_or_idi` boolean
    - `is_short_term_small_amount_loan` boolean
  - `approaching_cap_threshold_basis` string
  - `approaching_cap_threshold_pct` integer
  - `bona_fide_exclusion_available` boolean
  - `bona_fide_fee_claimed_total` integer
  - `bracketed` boolean
  - `charge_breakdown` object[]
    - `amount` integer
    - `citation` string
    - `field` string
    - `included` boolean
    - `treatment` string
  - `converged` boolean
  - `credit_class` string
  - `exceeds_cap` boolean
  - `finance_charge_in_schedule` number
  - `in_scope` boolean
  - `iterations` integer
  - `mapr_cap_pct` integer
  - `mapr_determined` boolean
  - `mapr_pct` number
  - `max_payment_count` integer
  - `method_basis` string
  - `payment_amount` number
  - `payment_count` integer
  - `payment_count_exceeds_limit` boolean
  - `payment_structure` string
  - `payment_total` number
  - `periodic_rate` number
  - `pii_note` string
  - `prepaid_includable_charges` integer
  - `regulatory_basis` string
  - `scope_note` string
  - `table_source` string
  - `table_version` string
  - `term_days` integer
  - `total_excluded_charges` integer
  - `total_includable_charges` number
  - `unit_periods_per_year` number

---

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