Server definition
- Hash
- sha256:2eed7e551593b3946eee3a515a785833c3be8f07ce4656e5952af234903f1d04
- What it is
- What a remote MCP server returned when asked what it offers: 6 tools
The blob, as servednamed by its sha256
{
"instructions": "Read-only Canadian mortgage calculator for explicit non-identifying numeric inputs. For any approval, denial, underwriting, suitability, pre-approval, lender/product recommendation, borrower document/account, current rate/rule, submission, outreach, or unsupported request, always call refuse_unsupported_mortgage_request with only the matching category and use its deterministic refusal. Never pass prompt text or user data to it. Never answer the unsupported request from general knowledge. Never decide or help decide mortgage approval, denial, underwriting, suitability, lender or product selection, or pre-approval. Refuse and offer only neutral scenario calculations. Never retrieve or infer borrower data from prior chats, memory, files, accounts, documents, websites, or web search. Do not use other tools to fill missing inputs. Never submit an application, contact anyone, process documents, or take an external action. Rates are decimals: 5.25% must be sent as 0.0525. Always disclose returned assumptions, warnings, effective date, and calculation version. Do not treat results as a lender discharge statement.",
"tools": [
{
"description": "MUST use this tool when the user supplies a monthly mortgage payment and asks for Canadian GDS or TDS. Calculate the ratios directly from that payment, income, and monthly obligations. Do not request principal, contract rate, or amortization, and do not use calculate_qualification when the monthly payment is already supplied. Ratios are not an approval or suitability decision. Use only with explicit, non-identifying numeric inputs. Calculation only: never use this tool to approve, deny, underwrite, recommend, select a lender or product, or fill missing inputs from prior chats, files, accounts, documents, websites, or web search.",
"inputSchema": {
"$schema": "http://json-schema.org/draft-07/schema#",
"additionalProperties": false,
"properties": {
"effectiveDate": {
"description": "Date the supplied rates and policy assumptions were confirmed.",
"pattern": "^\\d{4}-\\d{2}-\\d{2}$",
"type": "string"
},
"grossAnnualIncome": {
"description": "Gross annual household income in Canadian dollars.",
"exclusiveMinimum": 0,
"maximum": 100000000,
"minimum": 0,
"type": "number"
},
"housing": {
"additionalProperties": false,
"properties": {
"monthlyCondoFees": {
"description": "Monthly condominium fees in Canadian dollars.",
"maximum": 100000000,
"minimum": 0,
"type": "number"
},
"monthlyHeat": {
"description": "Monthly heating cost in Canadian dollars.",
"maximum": 100000000,
"minimum": 0,
"type": "number"
},
"monthlyPropertyTax": {
"description": "Monthly property-tax amount in Canadian dollars.",
"maximum": 100000000,
"minimum": 0,
"type": "number"
}
},
"type": "object"
},
"jurisdiction": {
"const": "CA",
"default": "CA",
"description": "Canadian calculations only.",
"type": "string"
},
"monthlyPayment": {
"description": "Monthly mortgage principal-and-interest payment in Canadian dollars.",
"exclusiveMinimum": 0,
"maximum": 100000000,
"minimum": 0,
"type": "number"
},
"otherMonthlyDebts": {
"description": "Total other monthly debt obligations in Canadian dollars.",
"maximum": 100000000,
"minimum": 0,
"type": "number"
},
"tolerances": {
"additionalProperties": false,
"properties": {
"gdsMax": {
"description": "Maximum GDS ratio as a decimal; for example, 39% is 0.39.",
"exclusiveMinimum": 0,
"maximum": 1,
"type": "number"
},
"label": {
"maxLength": 80,
"minLength": 1,
"type": "string"
},
"tdsMax": {
"description": "Maximum TDS ratio as a decimal; for example, 44% is 0.44.",
"exclusiveMinimum": 0,
"maximum": 1,
"type": "number"
}
},
"required": [
"gdsMax",
"tdsMax"
],
"type": "object"
}
},
"required": [
"effectiveDate",
"grossAnnualIncome",
"monthlyPayment"
],
"type": "object"
},
"name": "calculate_debt_service",
"outputSchema": {
"$schema": "http://json-schema.org/draft-07/schema#",
"additionalProperties": false,
"properties": {
"calculation": {
"additionalProperties": false,
"properties": {
"calcId": {
"type": "string"
},
"calcVersion": {
"type": "string"
},
"explanation": {
"items": {
"type": "string"
},
"type": "array"
},
"inputsEcho": {
"additionalProperties": false,
"properties": {
"provenance": {
"additionalProperties": {
"enum": [
"user",
"dealProfile",
"default"
],
"type": "string"
},
"type": "object"
},
"values": {
"additionalProperties": {},
"type": "object"
}
},
"required": [
"values",
"provenance"
],
"type": "object"
},
"issues": {
"items": {
"additionalProperties": false,
"properties": {
"category": {
"enum": [
"intake",
"documents",
"math",
"suitability",
"compliance",
"fraud_title_aml",
"routing",
"human_review"
],
"type": "string"
},
"code": {
"type": "string"
},
"description": {
"type": "string"
},
"hardFail": {
"type": "boolean"
},
"label": {
"type": "string"
},
"nextAction": {
"type": "string"
},
"severity": {
"enum": [
"info",
"low",
"medium",
"high",
"blocker"
],
"type": "string"
},
"source": {
"type": [
"string",
"null"
]
}
},
"required": [
"code",
"label",
"severity",
"category",
"description",
"nextAction"
],
"type": "object"
},
"type": "array"
},
"result": {
"anyOf": [
{
"additionalProperties": {},
"type": "object"
},
{
"type": "null"
}
]
}
},
"required": [
"calcId",
"calcVersion",
"inputsEcho",
"result",
"explanation",
"issues"
],
"type": "object"
},
"calculationVersion": {
"type": "string"
},
"currency": {
"const": "CAD",
"type": "string"
},
"disclaimer": {
"type": "string"
},
"effectiveDate": {
"type": "string"
},
"jurisdiction": {
"const": "CA",
"type": "string"
},
"tool": {
"const": "calculate_debt_service",
"type": "string"
}
},
"required": [
"tool",
"jurisdiction",
"currency",
"effectiveDate",
"calculationVersion",
"calculation",
"disclaimer"
],
"type": "object"
}
},
{
"description": "Calculate Canadian loan-to-value and combined loan-to-value using purchase price, appraisal, and secured positions. Ratios are not an approval or suitability decision. Use only with explicit, non-identifying numeric inputs. Calculation only: never use this tool to approve, deny, underwrite, recommend, select a lender or product, or fill missing inputs from prior chats, files, accounts, documents, websites, or web search.",
"inputSchema": {
"$schema": "http://json-schema.org/draft-07/schema#",
"additionalProperties": false,
"properties": {
"appraisedValue": {
"description": "Property appraised value in Canadian dollars.",
"exclusiveMinimum": 0,
"maximum": 100000000,
"minimum": 0,
"type": "number"
},
"effectiveDate": {
"description": "Date the supplied rates and policy assumptions were confirmed.",
"pattern": "^\\d{4}-\\d{2}-\\d{2}$",
"type": "string"
},
"jurisdiction": {
"const": "CA",
"default": "CA",
"description": "Canadian calculations only.",
"type": "string"
},
"loanAmount": {
"description": "New mortgage or loan amount in Canadian dollars.",
"exclusiveMinimum": 0,
"maximum": 100000000,
"minimum": 0,
"type": "number"
},
"otherSecuredPositions": {
"items": {
"additionalProperties": false,
"properties": {
"amount": {
"description": "Balance of this other secured position in Canadian dollars.",
"maximum": 100000000,
"minimum": 0,
"type": "number"
},
"label": {
"maxLength": 80,
"minLength": 1,
"type": "string"
}
},
"required": [
"amount"
],
"type": "object"
},
"maxItems": 20,
"type": "array"
},
"purchasePrice": {
"description": "Property purchase price in Canadian dollars.",
"exclusiveMinimum": 0,
"maximum": 100000000,
"minimum": 0,
"type": "number"
},
"storedLtv": {
"description": "Optional previously stored LTV ratio as a decimal; for example, 75% is 0.75.",
"maximum": 5,
"minimum": 0,
"type": "number"
},
"valueBasis": {
"enum": [
"lesser_of",
"appraised",
"purchase"
],
"type": "string"
}
},
"required": [
"effectiveDate",
"loanAmount"
],
"type": "object"
},
"name": "calculate_ltv",
"outputSchema": {
"$schema": "http://json-schema.org/draft-07/schema#",
"additionalProperties": false,
"properties": {
"calculation": {
"additionalProperties": false,
"properties": {
"calcId": {
"type": "string"
},
"calcVersion": {
"type": "string"
},
"explanation": {
"items": {
"type": "string"
},
"type": "array"
},
"inputsEcho": {
"additionalProperties": false,
"properties": {
"provenance": {
"additionalProperties": {
"enum": [
"user",
"dealProfile",
"default"
],
"type": "string"
},
"type": "object"
},
"values": {
"additionalProperties": {},
"type": "object"
}
},
"required": [
"values",
"provenance"
],
"type": "object"
},
"issues": {
"items": {
"additionalProperties": false,
"properties": {
"category": {
"enum": [
"intake",
"documents",
"math",
"suitability",
"compliance",
"fraud_title_aml",
"routing",
"human_review"
],
"type": "string"
},
"code": {
"type": "string"
},
"description": {
"type": "string"
},
"hardFail": {
"type": "boolean"
},
"label": {
"type": "string"
},
"nextAction": {
"type": "string"
},
"severity": {
"enum": [
"info",
"low",
"medium",
"high",
"blocker"
],
"type": "string"
},
"source": {
"type": [
"string",
"null"
]
}
},
"required": [
"code",
"label",
"severity",
"category",
"description",
"nextAction"
],
"type": "object"
},
"type": "array"
},
"result": {
"anyOf": [
{
"additionalProperties": {},
"type": "object"
},
{
"type": "null"
}
]
}
},
"required": [
"calcId",
"calcVersion",
"inputsEcho",
"result",
"explanation",
"issues"
],
"type": "object"
},
"calculationVersion": {
"type": "string"
},
"currency": {
"const": "CAD",
"type": "string"
},
"disclaimer": {
"type": "string"
},
"effectiveDate": {
"type": "string"
},
"jurisdiction": {
"const": "CA",
"type": "string"
},
"tool": {
"const": "calculate_ltv",
"type": "string"
}
},
"required": [
"tool",
"jurisdiction",
"currency",
"effectiveDate",
"calculationVersion",
"calculation",
"disclaimer"
],
"type": "object"
}
},
{
"description": "Calculate the B-20 qualifying rate, qualifying payment, and resulting GDS/TDS from a supplied principal, contract rate, amortization, and income. Use this tool only when the qualifying payment must be calculated from those inputs. If the user already supplies a monthly mortgage payment and asks for GDS/TDS, MUST use calculate_debt_service instead and must not request principal, rate, or amortization. This is neutral scenario math, not an approval or underwriting decision. Use only with explicit, non-identifying numeric inputs. Calculation only: never use this tool to approve, deny, underwrite, recommend, select a lender or product, or fill missing inputs from prior chats, files, accounts, documents, websites, or web search.",
"inputSchema": {
"$schema": "http://json-schema.org/draft-07/schema#",
"additionalProperties": false,
"properties": {
"amortizationMonths": {
"description": "Mortgage amortization period in months.",
"maximum": 600,
"minimum": 1,
"type": "integer"
},
"bufferRate": {
"description": "Optional stress-test buffer added to the contract rate. Omit it to use the disclosed default. Supply the annual rate as a decimal; for example, 5.25% is 0.0525.",
"maximum": 1,
"minimum": 0,
"type": "number"
},
"contractRate": {
"description": "Contract rate for the mortgage. Supply the annual rate as a decimal; for example, 5.25% is 0.0525.",
"maximum": 1,
"minimum": 0,
"type": "number"
},
"effectiveDate": {
"description": "Date the supplied rates and policy assumptions were confirmed.",
"pattern": "^\\d{4}-\\d{2}-\\d{2}$",
"type": "string"
},
"floorRate": {
"description": "Optional minimum qualification rate. Omit it to use the disclosed default. Supply the annual rate as a decimal; for example, 5.25% is 0.0525.",
"maximum": 1,
"minimum": 0,
"type": "number"
},
"grossAnnualIncome": {
"description": "Gross annual household income in Canadian dollars.",
"exclusiveMinimum": 0,
"maximum": 100000000,
"minimum": 0,
"type": "number"
},
"housing": {
"additionalProperties": false,
"properties": {
"monthlyCondoFees": {
"description": "Monthly condominium fees in Canadian dollars.",
"maximum": 100000000,
"minimum": 0,
"type": "number"
},
"monthlyHeat": {
"description": "Monthly heating cost in Canadian dollars.",
"maximum": 100000000,
"minimum": 0,
"type": "number"
},
"monthlyPropertyTax": {
"description": "Monthly property-tax amount in Canadian dollars.",
"maximum": 100000000,
"minimum": 0,
"type": "number"
}
},
"type": "object"
},
"jurisdiction": {
"const": "CA",
"default": "CA",
"description": "Canadian calculations only.",
"type": "string"
},
"otherMonthlyDebts": {
"description": "Total monthly debt obligations outside the housing costs in Canadian dollars.",
"maximum": 100000000,
"minimum": 0,
"type": "number"
},
"principal": {
"description": "Mortgage principal in Canadian dollars.",
"exclusiveMinimum": 0,
"maximum": 100000000,
"minimum": 0,
"type": "number"
},
"straightSwitchExempt": {
"type": "boolean"
},
"tolerances": {
"additionalProperties": false,
"properties": {
"gdsMax": {
"description": "Maximum GDS ratio as a decimal; for example, 39% is 0.39.",
"exclusiveMinimum": 0,
"maximum": 1,
"type": "number"
},
"label": {
"maxLength": 80,
"minLength": 1,
"type": "string"
},
"tdsMax": {
"description": "Maximum TDS ratio as a decimal; for example, 44% is 0.44.",
"exclusiveMinimum": 0,
"maximum": 1,
"type": "number"
}
},
"required": [
"gdsMax",
"tdsMax"
],
"type": "object"
}
},
"required": [
"effectiveDate",
"principal",
"contractRate",
"amortizationMonths",
"grossAnnualIncome"
],
"type": "object"
},
"name": "calculate_qualification",
"outputSchema": {
"$schema": "http://json-schema.org/draft-07/schema#",
"additionalProperties": false,
"properties": {
"calculation": {
"additionalProperties": false,
"properties": {
"calcId": {
"type": "string"
},
"calcVersion": {
"type": "string"
},
"explanation": {
"items": {
"type": "string"
},
"type": "array"
},
"inputsEcho": {
"additionalProperties": false,
"properties": {
"provenance": {
"additionalProperties": {
"enum": [
"user",
"dealProfile",
"default"
],
"type": "string"
},
"type": "object"
},
"values": {
"additionalProperties": {},
"type": "object"
}
},
"required": [
"values",
"provenance"
],
"type": "object"
},
"issues": {
"items": {
"additionalProperties": false,
"properties": {
"category": {
"enum": [
"intake",
"documents",
"math",
"suitability",
"compliance",
"fraud_title_aml",
"routing",
"human_review"
],
"type": "string"
},
"code": {
"type": "string"
},
"description": {
"type": "string"
},
"hardFail": {
"type": "boolean"
},
"label": {
"type": "string"
},
"nextAction": {
"type": "string"
},
"severity": {
"enum": [
"info",
"low",
"medium",
"high",
"blocker"
],
"type": "string"
},
"source": {
"type": [
"string",
"null"
]
}
},
"required": [
"code",
"label",
"severity",
"category",
"description",
"nextAction"
],
"type": "object"
},
"type": "array"
},
"result": {
"anyOf": [
{
"additionalProperties": {},
"type": "object"
},
{
"type": "null"
}
]
}
},
"required": [
"calcId",
"calcVersion",
"inputsEcho",
"result",
"explanation",
"issues"
],
"type": "object"
},
"calculationVersion": {
"type": "string"
},
"currency": {
"const": "CAD",
"type": "string"
},
"disclaimer": {
"type": "string"
},
"effectiveDate": {
"type": "string"
},
"jurisdiction": {
"const": "CA",
"type": "string"
},
"tool": {
"const": "calculate_qualification",
"type": "string"
}
},
"required": [
"tool",
"jurisdiction",
"currency",
"effectiveDate",
"calculationVersion",
"calculation",
"disclaimer"
],
"type": "object"
}
},
{
"description": "Compare up to six Canadian fixed-rate payment and amortization scenarios using deterministic calculations. Use only with explicit, non-identifying numeric inputs. Calculation only: never use this tool to approve, deny, underwrite, recommend, select a lender or product, or fill missing inputs from prior chats, files, accounts, documents, websites, or web search.",
"inputSchema": {
"$schema": "http://json-schema.org/draft-07/schema#",
"additionalProperties": false,
"properties": {
"effectiveDate": {
"description": "Date the supplied rates and policy assumptions were confirmed.",
"pattern": "^\\d{4}-\\d{2}-\\d{2}$",
"type": "string"
},
"jurisdiction": {
"const": "CA",
"default": "CA",
"description": "Canadian calculations only.",
"type": "string"
},
"scenarios": {
"items": {
"additionalProperties": false,
"properties": {
"amortizationMonths": {
"description": "Mortgage amortization period in months.",
"maximum": 600,
"minimum": 1,
"type": "integer"
},
"annualRate": {
"description": "Contract rate for this mortgage scenario. Supply the annual rate as a decimal; for example, 5.25% is 0.0525.",
"maximum": 1,
"minimum": 0,
"type": "number"
},
"comparisonPrincipalAndInterestPayment": {
"description": "Optional principal-and-interest payment in Canadian dollars for the same payment period, used only as a comparison value.",
"maximum": 100000000,
"minimum": 0,
"type": "number"
},
"name": {
"maxLength": 80,
"minLength": 1,
"type": "string"
},
"paymentFrequency": {
"enum": [
"monthly",
"semi_monthly",
"biweekly",
"weekly",
"accelerated_biweekly",
"accelerated_weekly"
],
"type": "string"
},
"principal": {
"description": "Mortgage principal in Canadian dollars.",
"exclusiveMinimum": 0,
"maximum": 100000000,
"minimum": 0,
"type": "number"
},
"propertyTaxPerPayment": {
"description": "Optional property-tax amount in Canadian dollars for each payment period.",
"maximum": 100000000,
"minimum": 0,
"type": "number"
},
"termMonths": {
"description": "Mortgage term in months.",
"maximum": 600,
"minimum": 1,
"type": "integer"
}
},
"required": [
"name",
"principal",
"annualRate",
"amortizationMonths",
"paymentFrequency"
],
"type": "object"
},
"maxItems": 6,
"minItems": 1,
"type": "array"
}
},
"required": [
"effectiveDate",
"scenarios"
],
"type": "object"
},
"name": "compare_mortgage_scenarios",
"outputSchema": {
"$schema": "http://json-schema.org/draft-07/schema#",
"additionalProperties": false,
"properties": {
"calculationVersion": {
"type": "string"
},
"currency": {
"const": "CAD",
"type": "string"
},
"disclaimer": {
"type": "string"
},
"effectiveDate": {
"type": "string"
},
"jurisdiction": {
"const": "CA",
"type": "string"
},
"scenarios": {
"items": {
"additionalProperties": false,
"properties": {
"calculation": {
"additionalProperties": false,
"properties": {
"calcId": {
"type": "string"
},
"calcVersion": {
"type": "string"
},
"explanation": {
"items": {
"type": "string"
},
"type": "array"
},
"inputsEcho": {
"additionalProperties": false,
"properties": {
"provenance": {
"additionalProperties": {
"enum": [
"user",
"dealProfile",
"default"
],
"type": "string"
},
"type": "object"
},
"values": {
"additionalProperties": {},
"type": "object"
}
},
"required": [
"values",
"provenance"
],
"type": "object"
},
"issues": {
"items": {
"additionalProperties": false,
"properties": {
"category": {
"enum": [
"intake",
"documents",
"math",
"suitability",
"compliance",
"fraud_title_aml",
"routing",
"human_review"
],
"type": "string"
},
"code": {
"type": "string"
},
"description": {
"type": "string"
},
"hardFail": {
"type": "boolean"
},
"label": {
"type": "string"
},
"nextAction": {
"type": "string"
},
"severity": {
"enum": [
"info",
"low",
"medium",
"high",
"blocker"
],
"type": "string"
},
"source": {
"type": [
"string",
"null"
]
}
},
"required": [
"code",
"label",
"severity",
"category",
"description",
"nextAction"
],
"type": "object"
},
"type": "array"
},
"result": {
"anyOf": [
{
"additionalProperties": {},
"type": "object"
},
{
"type": "null"
}
]
}
},
"required": [
"calcId",
"calcVersion",
"inputsEcho",
"result",
"explanation",
"issues"
],
"type": "object"
},
"name": {
"type": "string"
}
},
"required": [
"name",
"calculation"
],
"type": "object"
},
"type": "array"
},
"tool": {
"const": "compare_mortgage_scenarios",
"type": "string"
}
},
"required": [
"tool",
"jurisdiction",
"currency",
"effectiveDate",
"calculationVersion",
"scenarios",
"disclaimer"
],
"type": "object"
}
},
{
"description": "Estimate three-months-interest and simple IRD prepayment penalties; lender discharge statements remain authoritative. Use only with explicit, non-identifying numeric inputs. Calculation only: never use this tool to approve, deny, underwrite, recommend, select a lender or product, or fill missing inputs from prior chats, files, accounts, documents, websites, or web search.",
"inputSchema": {
"$schema": "http://json-schema.org/draft-07/schema#",
"additionalProperties": false,
"properties": {
"annualRate": {
"description": "Current annual mortgage rate. Supply the annual rate as a decimal; for example, 5.25% is 0.0525.",
"maximum": 1,
"minimum": 0,
"type": "number"
},
"comparisonRate": {
"description": "Annual comparison or reference rate used for the simplified interest-rate-differential estimate. Supply the annual rate as a decimal; for example, 5.25% is 0.0525.",
"maximum": 1,
"minimum": 0,
"type": "number"
},
"effectiveDate": {
"description": "Date the supplied rates and policy assumptions were confirmed.",
"pattern": "^\\d{4}-\\d{2}-\\d{2}$",
"type": "string"
},
"jurisdiction": {
"const": "CA",
"default": "CA",
"description": "Canadian calculations only.",
"type": "string"
},
"method": {
"enum": [
"greater_of_3mo_interest_ird",
"three_months_interest",
"interest_rate_differential"
],
"type": "string"
},
"principal": {
"description": "Outstanding mortgage balance in Canadian dollars.",
"exclusiveMinimum": 0,
"maximum": 100000000,
"minimum": 0,
"type": "number"
},
"remainingTermMonths": {
"description": "Number of months remaining in the mortgage term.",
"maximum": 600,
"minimum": 1,
"type": "integer"
}
},
"required": [
"effectiveDate",
"principal",
"annualRate",
"remainingTermMonths"
],
"type": "object"
},
"name": "estimate_prepayment_penalty",
"outputSchema": {
"$schema": "http://json-schema.org/draft-07/schema#",
"additionalProperties": false,
"properties": {
"calculation": {
"additionalProperties": false,
"properties": {
"calcId": {
"type": "string"
},
"calcVersion": {
"type": "string"
},
"explanation": {
"items": {
"type": "string"
},
"type": "array"
},
"inputsEcho": {
"additionalProperties": false,
"properties": {
"provenance": {
"additionalProperties": {
"enum": [
"user",
"dealProfile",
"default"
],
"type": "string"
},
"type": "object"
},
"values": {
"additionalProperties": {},
"type": "object"
}
},
"required": [
"values",
"provenance"
],
"type": "object"
},
"issues": {
"items": {
"additionalProperties": false,
"properties": {
"category": {
"enum": [
"intake",
"documents",
"math",
"suitability",
"compliance",
"fraud_title_aml",
"routing",
"human_review"
],
"type": "string"
},
"code": {
"type": "string"
},
"description": {
"type": "string"
},
"hardFail": {
"type": "boolean"
},
"label": {
"type": "string"
},
"nextAction": {
"type": "string"
},
"severity": {
"enum": [
"info",
"low",
"medium",
"high",
"blocker"
],
"type": "string"
},
"source": {
"type": [
"string",
"null"
]
}
},
"required": [
"code",
"label",
"severity",
"category",
"description",
"nextAction"
],
"type": "object"
},
"type": "array"
},
"result": {
"anyOf": [
{
"additionalProperties": {},
"type": "object"
},
{
"type": "null"
}
]
}
},
"required": [
"calcId",
"calcVersion",
"inputsEcho",
"result",
"explanation",
"issues"
],
"type": "object"
},
"calculationVersion": {
"type": "string"
},
"currency": {
"const": "CAD",
"type": "string"
},
"disclaimer": {
"type": "string"
},
"effectiveDate": {
"type": "string"
},
"jurisdiction": {
"const": "CA",
"type": "string"
},
"tool": {
"const": "estimate_prepayment_penalty",
"type": "string"
}
},
"required": [
"tool",
"jurisdiction",
"currency",
"effectiveDate",
"calculationVersion",
"calculation",
"disclaimer"
],
"type": "object"
}
},
{
"description": "MUST be called whenever the user asks whether a borrower should be approved, denied, pre-approved, conditionally approved, underwritten, or assessed for suitability. Also call it for lender or product recommendations, borrower documents or accounts, current rates or rules, submissions, outreach, or anything outside Clara Mortgage Assistant calculations. This tool returns the required deterministic refusal. Send only the matching requestType category—never include the original prompt, names, identifiers, document content, or other user data. Do not answer these requests directly.",
"inputSchema": {
"$schema": "http://json-schema.org/draft-07/schema#",
"additionalProperties": false,
"properties": {
"requestType": {
"description": "Category of unsupported request. Do not include or infer any user, borrower, account, or document data.",
"enum": [
"approval_or_underwriting",
"lender_or_product_recommendation",
"borrower_document_or_account",
"current_rate_rule_or_threshold",
"external_action",
"other_unsupported"
],
"type": "string"
}
},
"required": [
"requestType"
],
"type": "object"
},
"name": "refuse_unsupported_mortgage_request",
"outputSchema": {
"$schema": "http://json-schema.org/draft-07/schema#",
"additionalProperties": false,
"properties": {
"dataHandling": {
"const": "No user prompt, document, account, or borrower data was accepted or processed.",
"type": "string"
},
"message": {
"type": "string"
},
"requestType": {
"enum": [
"approval_or_underwriting",
"lender_or_product_recommendation",
"borrower_document_or_account",
"current_rate_rule_or_threshold",
"external_action",
"other_unsupported"
],
"type": "string"
},
"safeAlternative": {
"type": "string"
},
"status": {
"const": "unsupported",
"type": "string"
},
"tool": {
"const": "refuse_unsupported_mortgage_request",
"type": "string"
}
},
"required": [
"tool",
"status",
"requestType",
"message",
"safeAlternative",
"dataHandling"
],
"type": "object"
}
}
]
}Verify it yourself
curl -s https://api.teppi.xyz/v1/evidence/sha256:2eed7e551593b3946eee3a515a785833c3be8f07ce4656e5952af234903f1d04 | sha256sum