---
title: "MLA MAPR Actuarial Recompute"
method: POST
path: "/v1/tools/recompute_mla_mapr_actuarial"
tags: ["compliance_mandate", "military-lending-act", "mapr", "32-cfr-232", "regulation-z", "appendix-j", "actuarial-apr", "consumer-credit", "mcp:recompute_mla_mapr_actuarial"]
---

# MLA MAPR Actuarial Recompute

`POST /v1/tools/recompute_mla_mapr_actuarial`

## Request

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

Recomputes a Military Lending Act MAPR for closed-end credit by the Regulation Z actuarial method, from caller-supplied cash flows and charges. 32 CFR 232.4(c)(2)(i) says the closed-end MAPR is calculated following 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 rather than a single-period ratio: the odd-days fraction 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). Each supplied charge is classified against 232.4(c)(1) and (d) with its own paragraph citation, and an includable charge collected at consummation reduces the amount advanced; a Regulation Z finance charge already carried by the payment schedule is echoed and never deducted twice. The result is compared against the 36 percent limit in 232.4(b), with that limit and the $100 participation-fee figure in 232.4(c)(2)(ii)(B) held as declared constants a caller cannot move. A rate is reported only when a sign-change bracket was established and narrowed. Verify-only: this node does not determine covered-borrower status, reads no external record, and does not assert that a real transaction meets the Military Lending Act.

**Tool URL:** https://ainumbers.co/chaingraph/art-616-mla-mapr-actuarial-recompute.html

## Request body

- object
  - `loan_amount` number
  - `payment_amount` number
  - `num_payments` number
  - `periods_per_year` number
  - `odd_days` number
  - `unit_period_days` number
  - `advances` unknown[]
    - unknown
  - `payments` unknown[]
    - unknown
  - `mla_charges` unknown[]
    - unknown

## Response `200`

Successful tool execution result

- object
  - `mapr_pct` number, nullable
  - `mapr_cap_pct` number
  - `exceeds_cap` boolean, nullable
  - `periodic_rate` number, nullable
  - `periods_per_year` number
  - `num_advances` number
  - `num_payments` number
  - `advance_total` number
  - `payment_total` number
  - `amount_financed_mapr` number
  - `prepaid_included_total` number
  - `finance_charge_in_schedule_total` number
  - `charge_breakdown` unknown[]
    - unknown
  - `manual_review_required` boolean
  - `participation_fee_open_end_no_balance_limit_usd` number
  - `iterations` number
  - `converged` boolean
  - `bracketed` boolean
  - `regulatory_basis` string
  - `note` string

---

[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)