# ARM Adjustment Cap Recheck

Recheck a first ARM rate adjustment against the recorded cap.

## Scope
Preparation and review only. No account action or professional decision.

## Inputs
The ARM note rate, the fully indexed rate at first adjustment and the recorded first-adjustment cap.

## Workflow
1. Read the note rate.
2. Recompute the uncapped adjustment from the recorded index and margin.
3. Apply the recorded first-adjustment cap.
4. Return the check without changing any loan term.

## Output contract
loan | note_rate | fully_indexed_rate | cap | adjusted_rate | verdict

## Fictional acceptance test
Fictional loan had a 4.5% note rate, a 7.9% fully indexed rate and a 2% first-adjustment cap: adjusted rate capped at 6.5%.

## Review gates
Keep original values, source IDs and version dates. Unknown facts stay held. Use qualified review for hiring, legal and accounting conclusions. No send, share, sign-in, scheduling, ledger change or payment. Fictional contract review is not a live account compatibility test.

## Method source
https://www.consumerfinance.gov/ask-cfpb/what-is-the-difference-between-a-fixed-rate-and-adjustable-rate-mortgage-arm-loan-en-100/

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