---
title: "Reg Z Threshold Lookup"
method: POST
path: "/v1/tools/lookup_reg_z_thresholds"
tags: ["TODO_TAGS_REVIEW", "TODO_AP2_EXPORT_REVIEW"]
---

# Reg Z Threshold Lookup

`POST /v1/tools/lookup_reg_z_thresholds`

## Request

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

Reg Z version-pinned threshold lookup service. Tables: qm_points_fees, hoepa, hpml, card_penalty. 2021-2026 rows with Federal Register citations and effective dates. This node exists because agents reliably hallucinate current-year dollar thresholds. Annual refresh cadence with FR citation pinning. Covers CARD Act penalty fees: per 12 CFR 1026.52(b)(1)(ii) as retrieved 2026-09-03 from the eCFR versioner API, an $8 late-payment cap (non-smaller issuers) and $32/$43 for other violations (89 FR 19202); 2021-2023 rows pinned from historical eCFR states.

**Tool URL:** https://ainumbers.co/chaingraph/art-220-reg-z-threshold-lookup.html

## Request body

- object
  - `table` unknown, required
  - `year` number

## Response `200`

Successful tool execution result

- object
  - `available_years` integer[]
  - `data` object
    - `effective` string
    - `fr_citation` string
    - `tier_1_min` integer
    - `tier_1_pct` integer
    - `tier_2_fixed` integer
    - `tier_3_min` integer
    - `tier_3_pct` integer
    - `tier_4_fixed` integer
    - `tier_5_pct` integer
  - `note` string
  - `regulatory_basis` string
  - `table` string
  - `year` integer

---

[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)