{
  "$comment": "DERIVED OUTPUT-CONTRACT SIDECAR — a WITNESS domain from fixtures, never a declaration. May decide L2G-pass; may NEVER produce a dead-branch L2G-fail. Generated by scripts/gen-output-schema.mjs (CHAIN-FV-L2-G-RESCOPE-3). ⛔ Do not hand-edit — run the generator.",
  "kernel_digest": "sha256:bfe3703cd0865de7a9b879deac13cfa62aa8fdd55eab3348fa8ddc4570a11df1",
  "output_schema": {
    "properties": {
      "compliance_flags_raised": {
        "maximum": 1,
        "minimum": 0,
        "type": "number",
        "x-observed-values": [
          0,
          1
        ],
        "x-source": {
          "from": "conformance_fixtures",
          "generator": "scripts/gen-output-schema.mjs",
          "kind": "derived",
          "note": "derived from 3 fixtures @ sha256:bfe3703cd0865de7a9b879deac13cfa62aa8fdd55eab3348fa8ddc4570a11df1",
          "vectors": 3
        }
      },
      "notice_sections": {
        "properties": {
          "action_statement": {
            "enum": [
              "We have taken the following action on your application: DENIED"
            ],
            "type": "string",
            "x-source": {
              "from": "conformance_fixtures",
              "generator": "scripts/gen-output-schema.mjs",
              "kind": "derived",
              "note": "derived from 3 fixtures @ sha256:bfe3703cd0865de7a9b879deac13cfa62aa8fdd55eab3348fa8ddc4570a11df1",
              "vectors": 3
            }
          },
          "applicant": {
            "enum": [
              "Applicant"
            ],
            "type": "string",
            "x-source": {
              "from": "conformance_fixtures",
              "generator": "scripts/gen-output-schema.mjs",
              "kind": "derived",
              "note": "derived from 3 fixtures @ sha256:bfe3703cd0865de7a9b879deac13cfa62aa8fdd55eab3348fa8ddc4570a11df1",
              "vectors": 3
            }
          },
          "credit_score_disclosure": {
            "properties": {
              "key_factors": {
                "type": "array",
                "x-source": {
                  "from": "conformance_fixtures",
                  "generator": "scripts/gen-output-schema.mjs",
                  "kind": "derived",
                  "note": "derived from 3 fixtures @ sha256:bfe3703cd0865de7a9b879deac13cfa62aa8fdd55eab3348fa8ddc4570a11df1",
                  "vectors": 3
                }
              },
              "score": {
                "maximum": 620,
                "minimum": 620,
                "type": "number",
                "x-observed-values": [
                  620
                ],
                "x-source": {
                  "from": "conformance_fixtures",
                  "generator": "scripts/gen-output-schema.mjs",
                  "kind": "derived",
                  "note": "derived from 3 fixtures @ sha256:bfe3703cd0865de7a9b879deac13cfa62aa8fdd55eab3348fa8ddc4570a11df1",
                  "vectors": 3
                }
              },
              "score_date": {
                "enum": [
                  "2026-01-15"
                ],
                "type": "string",
                "x-source": {
                  "from": "conformance_fixtures",
                  "generator": "scripts/gen-output-schema.mjs",
                  "kind": "derived",
                  "note": "derived from 3 fixtures @ sha256:bfe3703cd0865de7a9b879deac13cfa62aa8fdd55eab3348fa8ddc4570a11df1",
                  "vectors": 3
                }
              },
              "score_range": {
                "enum": [
                  "300 to 850"
                ],
                "type": "string",
                "x-source": {
                  "from": "conformance_fixtures",
                  "generator": "scripts/gen-output-schema.mjs",
                  "kind": "derived",
                  "note": "derived from 3 fixtures @ sha256:bfe3703cd0865de7a9b879deac13cfa62aa8fdd55eab3348fa8ddc4570a11df1",
                  "vectors": 3
                }
              },
              "score_source": {
                "enum": [
                  "FICO 8"
                ],
                "type": "string",
                "x-source": {
                  "from": "conformance_fixtures",
                  "generator": "scripts/gen-output-schema.mjs",
                  "kind": "derived",
                  "note": "derived from 3 fixtures @ sha256:bfe3703cd0865de7a9b879deac13cfa62aa8fdd55eab3348fa8ddc4570a11df1",
                  "vectors": 3
                }
              }
            },
            "type": "object",
            "x-source": {
              "from": "conformance_fixtures",
              "generator": "scripts/gen-output-schema.mjs",
              "kind": "derived",
              "note": "derived from 3 fixtures @ sha256:bfe3703cd0865de7a9b879deac13cfa62aa8fdd55eab3348fa8ddc4570a11df1",
              "vectors": 3
            }
          },
          "date": {
            "enum": [
              "",
              "2026-01-15"
            ],
            "type": "string",
            "x-source": {
              "from": "conformance_fixtures",
              "generator": "scripts/gen-output-schema.mjs",
              "kind": "derived",
              "note": "derived from 3 fixtures @ sha256:bfe3703cd0865de7a9b879deac13cfa62aa8fdd55eab3348fa8ddc4570a11df1",
              "vectors": 3
            }
          },
          "ecoa_statement": {
            "enum": [
              "The federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age, because all or part of the applicant's income derives from any public assistance program, or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The federal agency that administers compliance with this law concerning this creditor is: [Insert applicable federal agency]."
            ],
            "type": "string",
            "x-source": {
              "from": "conformance_fixtures",
              "generator": "scripts/gen-output-schema.mjs",
              "kind": "derived",
              "note": "derived from 3 fixtures @ sha256:bfe3703cd0865de7a9b879deac13cfa62aa8fdd55eab3348fa8ddc4570a11df1",
              "vectors": 3
            }
          },
          "fcra_rights": {
            "properties": {
              "cra_address": {
                "enum": [
                  "PO Box 740241 Atlanta GA 30374"
                ],
                "type": "string",
                "x-source": {
                  "from": "conformance_fixtures",
                  "generator": "scripts/gen-output-schema.mjs",
                  "kind": "derived",
                  "note": "derived from 3 fixtures @ sha256:bfe3703cd0865de7a9b879deac13cfa62aa8fdd55eab3348fa8ddc4570a11df1",
                  "vectors": 3
                }
              },
              "cra_name": {
                "enum": [
                  "Equifax"
                ],
                "type": "string",
                "x-source": {
                  "from": "conformance_fixtures",
                  "generator": "scripts/gen-output-schema.mjs",
                  "kind": "derived",
                  "note": "derived from 3 fixtures @ sha256:bfe3703cd0865de7a9b879deac13cfa62aa8fdd55eab3348fa8ddc4570a11df1",
                  "vectors": 3
                }
              },
              "cra_phone": {
                "enum": [
                  "1-800-685-1111"
                ],
                "type": "string",
                "x-source": {
                  "from": "conformance_fixtures",
                  "generator": "scripts/gen-output-schema.mjs",
                  "kind": "derived",
                  "note": "derived from 3 fixtures @ sha256:bfe3703cd0865de7a9b879deac13cfa62aa8fdd55eab3348fa8ddc4570a11df1",
                  "vectors": 3
                }
              },
              "dispute_statement": {
                "enum": [
                  "If you find that any information in the consumer report used in making this credit decision is inaccurate, you have the right to dispute the matter with the reporting agency."
                ],
                "type": "string",
                "x-source": {
                  "from": "conformance_fixtures",
                  "generator": "scripts/gen-output-schema.mjs",
                  "kind": "derived",
                  "note": "derived from 3 fixtures @ sha256:bfe3703cd0865de7a9b879deac13cfa62aa8fdd55eab3348fa8ddc4570a11df1",
                  "vectors": 3
                }
              },
              "free_copy_statement": {
                "enum": [
                  "You have the right to obtain a free copy of your consumer report from the consumer reporting agency named above, if you request it no later than 60 days after you receive this notice."
                ],
                "type": "string",
                "x-source": {
                  "from": "conformance_fixtures",
                  "generator": "scripts/gen-output-schema.mjs",
                  "kind": "derived",
                  "note": "derived from 3 fixtures @ sha256:bfe3703cd0865de7a9b879deac13cfa62aa8fdd55eab3348fa8ddc4570a11df1",
                  "vectors": 3
                }
              }
            },
            "type": "object",
            "x-source": {
              "from": "conformance_fixtures",
              "generator": "scripts/gen-output-schema.mjs",
              "kind": "derived",
              "note": "derived from 3 fixtures @ sha256:bfe3703cd0865de7a9b879deac13cfa62aa8fdd55eab3348fa8ddc4570a11df1",
              "vectors": 3
            }
          },
          "header": {
            "enum": [
              "First National Bank -- Adverse Action Notice",
              "[Creditor Name] -- Adverse Action Notice"
            ],
            "type": "string",
            "x-source": {
              "from": "conformance_fixtures",
              "generator": "scripts/gen-output-schema.mjs",
              "kind": "derived",
              "note": "derived from 3 fixtures @ sha256:bfe3703cd0865de7a9b879deac13cfa62aa8fdd55eab3348fa8ddc4570a11df1",
              "vectors": 3
            }
          },
          "reasons": {
            "type": "array",
            "x-source": {
              "from": "conformance_fixtures",
              "generator": "scripts/gen-output-schema.mjs",
              "kind": "derived",
              "note": "derived from 3 fixtures @ sha256:bfe3703cd0865de7a9b879deac13cfa62aa8fdd55eab3348fa8ddc4570a11df1",
              "vectors": 3
            }
          }
        },
        "type": "object",
        "x-source": {
          "from": "conformance_fixtures",
          "generator": "scripts/gen-output-schema.mjs",
          "kind": "derived",
          "note": "derived from 3 fixtures @ sha256:bfe3703cd0865de7a9b879deac13cfa62aa8fdd55eab3348fa8ddc4570a11df1",
          "vectors": 3
        }
      },
      "pii_note": {
        "enum": [
          "All inputs are processed locally in your browser. No data is transmitted. Use synthetic placeholders only."
        ],
        "type": "string",
        "x-source": {
          "from": "conformance_fixtures",
          "generator": "scripts/gen-output-schema.mjs",
          "kind": "derived",
          "note": "derived from 3 fixtures @ sha256:bfe3703cd0865de7a9b879deac13cfa62aa8fdd55eab3348fa8ddc4570a11df1",
          "vectors": 3
        }
      },
      "receipt_metadata": {
        "properties": {
          "action_taken": {
            "enum": [
              "denied"
            ],
            "type": "string",
            "x-source": {
              "from": "conformance_fixtures",
              "generator": "scripts/gen-output-schema.mjs",
              "kind": "derived",
              "note": "derived from 3 fixtures @ sha256:bfe3703cd0865de7a9b879deac13cfa62aa8fdd55eab3348fa8ddc4570a11df1",
              "vectors": 3
            }
          },
          "anchor_recommendation": {
            "enum": [
              "Anchor this execution receipt at anchor.ainumbers.co to create durable, timestamped evidence per Reg B §1002.12(b)(4)"
            ],
            "type": "string",
            "x-source": {
              "from": "conformance_fixtures",
              "generator": "scripts/gen-output-schema.mjs",
              "kind": "derived",
              "note": "derived from 3 fixtures @ sha256:bfe3703cd0865de7a9b879deac13cfa62aa8fdd55eab3348fa8ddc4570a11df1",
              "vectors": 3
            }
          },
          "credit_score_disclosed": {
            "enum": [
              false,
              true
            ],
            "type": "boolean",
            "x-source": {
              "from": "conformance_fixtures",
              "generator": "scripts/gen-output-schema.mjs",
              "kind": "derived",
              "note": "derived from 3 fixtures @ sha256:bfe3703cd0865de7a9b879deac13cfa62aa8fdd55eab3348fa8ddc4570a11df1",
              "vectors": 3
            }
          },
          "ecoa_rights_included": {
            "enum": [
              true
            ],
            "type": "boolean",
            "x-source": {
              "from": "conformance_fixtures",
              "generator": "scripts/gen-output-schema.mjs",
              "kind": "derived",
              "note": "derived from 3 fixtures @ sha256:bfe3703cd0865de7a9b879deac13cfa62aa8fdd55eab3348fa8ddc4570a11df1",
              "vectors": 3
            }
          },
          "fcra_rights_included": {
            "enum": [
              false,
              true
            ],
            "type": "boolean",
            "x-source": {
              "from": "conformance_fixtures",
              "generator": "scripts/gen-output-schema.mjs",
              "kind": "derived",
              "note": "derived from 3 fixtures @ sha256:bfe3703cd0865de7a9b879deac13cfa62aa8fdd55eab3348fa8ddc4570a11df1",
              "vectors": 3
            }
          },
          "notice_type": {
            "enum": [
              "adverse_action"
            ],
            "type": "string",
            "x-source": {
              "from": "conformance_fixtures",
              "generator": "scripts/gen-output-schema.mjs",
              "kind": "derived",
              "note": "derived from 3 fixtures @ sha256:bfe3703cd0865de7a9b879deac13cfa62aa8fdd55eab3348fa8ddc4570a11df1",
              "vectors": 3
            }
          },
          "reason_codes": {
            "type": "array",
            "x-source": {
              "from": "conformance_fixtures",
              "generator": "scripts/gen-output-schema.mjs",
              "kind": "derived",
              "note": "derived from 3 fixtures @ sha256:bfe3703cd0865de7a9b879deac13cfa62aa8fdd55eab3348fa8ddc4570a11df1",
              "vectors": 3
            }
          },
          "reason_count": {
            "maximum": 3,
            "minimum": 0,
            "type": "number",
            "x-observed-values": [
              0,
              2,
              3
            ],
            "x-source": {
              "from": "conformance_fixtures",
              "generator": "scripts/gen-output-schema.mjs",
              "kind": "derived",
              "note": "derived from 3 fixtures @ sha256:bfe3703cd0865de7a9b879deac13cfa62aa8fdd55eab3348fa8ddc4570a11df1",
              "vectors": 3
            }
          },
          "regulation": {
            "enum": [
              "Reg B §1002.9 (12 CFR Part 1002); FCRA §615(a) (15 USC §1681m)"
            ],
            "type": "string",
            "x-source": {
              "from": "conformance_fixtures",
              "generator": "scripts/gen-output-schema.mjs",
              "kind": "derived",
              "note": "derived from 3 fixtures @ sha256:bfe3703cd0865de7a9b879deac13cfa62aa8fdd55eab3348fa8ddc4570a11df1",
              "vectors": 3
            }
          },
          "retention_requirement": {
            "enum": [
              "ECOA Reg B §1002.12: 25-month record retention for credit application files"
            ],
            "type": "string",
            "x-source": {
              "from": "conformance_fixtures",
              "generator": "scripts/gen-output-schema.mjs",
              "kind": "derived",
              "note": "derived from 3 fixtures @ sha256:bfe3703cd0865de7a9b879deac13cfa62aa8fdd55eab3348fa8ddc4570a11df1",
              "vectors": 3
            }
          }
        },
        "type": "object",
        "x-source": {
          "from": "conformance_fixtures",
          "generator": "scripts/gen-output-schema.mjs",
          "kind": "derived",
          "note": "derived from 3 fixtures @ sha256:bfe3703cd0865de7a9b879deac13cfa62aa8fdd55eab3348fa8ddc4570a11df1",
          "vectors": 3
        }
      },
      "regulatory_basis": {
        "enum": [
          "Reg B §1002.9 (12 CFR Part 1002); ECOA 15 USC §1691(d); FCRA §615(a) 15 USC §1681m(a); CFPB Circular 2022-03; CFPB Circular 2023-03"
        ],
        "type": "string",
        "x-source": {
          "from": "conformance_fixtures",
          "generator": "scripts/gen-output-schema.mjs",
          "kind": "derived",
          "note": "derived from 3 fixtures @ sha256:bfe3703cd0865de7a9b879deac13cfa62aa8fdd55eab3348fa8ddc4570a11df1",
          "vectors": 3
        }
      },
      "resolved_reasons": {
        "type": "array",
        "x-source": {
          "from": "conformance_fixtures",
          "generator": "scripts/gen-output-schema.mjs",
          "kind": "derived",
          "note": "derived from 3 fixtures @ sha256:bfe3703cd0865de7a9b879deac13cfa62aa8fdd55eab3348fa8ddc4570a11df1",
          "vectors": 3
        }
      },
      "table_source": {
        "enum": [
          "CFPB Circular 2022-03 (Aug 2022); CFPB Circular 2023-03 (Sep 2023); FICO public reason codes (myFICO.com); VantageScore public reason codes (vantagescore.com)"
        ],
        "type": "string",
        "x-source": {
          "from": "conformance_fixtures",
          "generator": "scripts/gen-output-schema.mjs",
          "kind": "derived",
          "note": "derived from 3 fixtures @ sha256:bfe3703cd0865de7a9b879deac13cfa62aa8fdd55eab3348fa8ddc4570a11df1",
          "vectors": 3
        }
      },
      "table_version": {
        "enum": [
          "REG-B-NOTICE-BUILDER-2024-CFPB-CIRC-2023-03"
        ],
        "type": "string",
        "x-source": {
          "from": "conformance_fixtures",
          "generator": "scripts/gen-output-schema.mjs",
          "kind": "derived",
          "note": "derived from 3 fixtures @ sha256:bfe3703cd0865de7a9b879deac13cfa62aa8fdd55eab3348fa8ddc4570a11df1",
          "vectors": 3
        }
      }
    },
    "type": "object"
  },
  "producer": "art-228-build-adverse-action-notice",
  "x-derivation": {
    "from": "conformance_fixtures",
    "generator": "scripts/gen-output-schema.mjs",
    "vectors": 3
  }
}
