Getting it into your agent
One page per mod, every tool's command on it. A separate URL per tool would split the same page into five that compete with each other.
npx skills add PostOakLabs/ainumbers --skill consumer-loan-compliancegit clone --depth 1 https://github.com/PostOakLabs/ainumbersWrote this? Show the measurements
A badge with what this costs and how it scanned, read live from this page, so it follows the numbers instead of freezing them. Markdown for a README, HTML for a documentation site or a project page.
[](https://agentmods.dev/skills/postoaklabs/ainumbers/consumer-loan-compliance)<a href="https://agentmods.dev/skills/postoaklabs/ainumbers/consumer-loan-compliance"><img src="https://agentmods.dev/badge/skills/postoaklabs/ainumbers/consumer-loan-compliance/github.svg" alt="Measured on agentmods" height="20"></a>Or the 80×15 button, for a site that already has a row of RSS and ATOM ones. Only the verdict fits; the numbers stay here.
<a href="https://agentmods.dev/skills/postoaklabs/ainumbers/consumer-loan-compliance"><img src="https://agentmods.dev/badge/skills/postoaklabs/ainumbers/consumer-loan-compliance.svg" alt="Reviewed on agentmods" width="80" height="20"></a>What it costs to keep this loaded
Counted locally with the o200k_base tokenizer, which is exact for GPT models; Claude uses its own tokenizer and its counts differ. Treat this as one consistent yardstick across the catalogue rather than a bill. Prices are per million input tokens.
| Model | Per session | Once invoked |
|---|---|---|
| Fable 5.1 | $0.00046 | $0.00575 |
| Opus 5.5 | $0.00018 | $0.00230 |
| Sonnet 5.5 | $0.00009 | $0.00115 |
| Haiku 4.5 | $0.00005 | $0.00057 |
Grade A, and why
consumer-loan-compliance scanned grade A with 0 findings against 26 rules in 11 categories — prompt injection, anti-refusal, data exfiltration, privilege escalation, supply chain, agent snooping, system-prompt leakage, SSRF and excessive agency — measured 15d ago.
A static scan of the body, not an audit. Every finding is printed with the line that produced it so you can judge whether it matters here. A mod is markdown that instructs an agent; that is exactly why what it instructs is worth reading.
Nothing flagged
None of the 26 patterns this scan looks for appear in this file: no shell pipes, no recursive deletes, no credential paths, no hidden text, no instruction-override or anti-refusal phrasing, no agent-config snooping. That is not a guarantee, it is the absence of the things that are checkable.
What it actually says
Consumer loan compliance
Does this loan pass QM points-and-fees, HPML escrow, Reg Z thresholds and MLA coverage?
Prompt
Run one synthetic loan through the four consumer checks and bind the results.
- Write the loan facts once (amount, rate, points, fees, lien status, borrower type). Synthetic data only.
- Call lookup_reg_z_thresholds for the current applicable thresholds. Record them; everything downstream cites these.
- Call check_qm_points_and_fees. Record pass/fail with the points-and-fees computation shown.
- Call test_hpml_escrow. Record whether the escrow requirement attaches and why.
- Call classify_mla_charge_inclusion over the fee list. Record which charges count as MLA fees and the final coverage verdict.
- Call compute_deterministic_amortization_schedule. Record the APR-consistent schedule digest.
- Boundary test: move the loan amount 1 dollar past a threshold from step 2 and confirm the affected verdicts flip. Revert.
- build_session_receipt over the five checks; give me the ledger link.
- Write the note for the loan file: each verdict with its cited threshold, the boundary test, and the ledger link. State that these are deterministic rule checks against your inputs, not a compliance opinion. Call shape: every ChainGraph node tool takes its arguments nested under one wrapper object, e.g. {"policy_parameters": { ... }}; flat arguments are discarded by schema validation. If a named tool is not in your tool list, call call_tool with { "name": "", "arguments": { … } }. It runs the same validation and returns the same receipt.
How to run
Connect an MCP-capable host to https://mcp.ainumbers.co/mcp, then give the prompt above to the assistant.
Use synthetic inputs only. Never paste personal or production data.
Verify what came back
What this file has done since we first saw it
Hashed on every crawl. A supply-chain change to an agent config is a question of when, not whether, so the history is kept rather than the latest state alone.
- 15d ago Changed d700bef83e5d
- 19d ago First seen · 42 lines · 46 tokens per session scan A 31eb4abb2d2c
consumer-loan-compliance is a skill published in the GitHub repository PostOakLabs/ainumbers (11 stars, last pushed yesterday), licensed MIT. It adds 46 tokens to every session and 575 once invoked, about $0.0002 per session on Opus 5.5. A static security scan graded it A with 0 findings. No closer match exists in the catalogue, so it is treated as the original; first seen 2026-09-27.
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