{
  "type": "ZkVmReceipt",
  "system": "risc0",
  "receiptFormat": "groth16-bn254",
  "imageId": "sha256:a1a0bc89b5b1febaeda3519f6dbade0fa5ac16beeb143c4e1b01689573567bc6",
  "seal": "IQqWGYRAJpZpgx6zdSmC6sgn1BnWdL81VwhUEmnlfMkuxBPqalZl8iBACiHjCr4qoFYgWLzDJQuBB6Pyl64XSCTYQyjrKQA5UA20TK5mCRbk7jVHM4mn6u9egHJRkbYEGtlTXM5izz979ddtnJJq82Zqij1VM1uShO8rHkaTnywIZGpKIbetgnGDq6snxpZPLv9frGXxSITGkQNGZ5kwlyrGTb2cA4zvmYpYI4y16oZAK2uBjdWpWDxsobvurYfyJ0ezOH3HJSUOCpyi79deECfvtH7mBpvdiRTO+/nzGIUc7Q/aXF0ihovBNL0K8gtNDs+0//R5Y8M2dv/sDrX60Q==",
  "journal": {
    "chaingraph_version": "0.4.0",
    "kernel_digest": "sha256:d7ba34da2e378662fbb05bc23d6aad6b0b4660bbae6f3111e0dd1c471209029b",
    "output": {
      "effective_date": "2026-01-01",
      "fr_citation": "FR 2025-22773 (effective Jan 1, 2026)",
      "headroom": 1500,
      "limit": 13500,
      "limit_fixed": null,
      "limit_pct": 3,
      "limit_type": "pct",
      "loan_amount": 450000,
      "note": "Thresholds are version-pinned. Run lookup_reg_z_thresholds for year-by-year table. Points-and-fees definition: §1026.32(b)(1). Confirm current thresholds at consumerfinance.gov/rules-policy/final-rules.",
      "pass": true,
      "points_and_fees": 12000,
      "regulatory_basis": "Reg Z §1026.43(e)(3)(ii), QM points-and-fees test",
      "tier_label": ">= $137,958: 3%",
      "year": 2026
    }
  }
}