{
  "type": "ZkVmReceipt",
  "system": "risc0",
  "receiptFormat": "groth16-bn254",
  "imageId": "sha256:a1a0bc89b5b1febaeda3519f6dbade0fa5ac16beeb143c4e1b01689573567bc6",
  "seal": "E94HTqEYQZaZz6nAtp3yqVz9dinDwRuu31MCjdOF0VEdvfDLYFBY5yqROS4HEvSbsKAPShbQ9HcbRHhimSyAtxVaE7MvbRLv9CmYQ5bPX66Qa/hw7jQclpCjTheKNlTnEtQYn9jFBEX4HJH5syokRumZscdzUWrQPyUwoLL6dc8eFwIHvpA4WTsaIl7+1IX2AmnbXO8RYB0F8Atc86zkEhtmqQEEen415DvLoacyRxOD16JL3fWnD1BHgotsa7gICIS+mObjUDxWgipexHUOKHXbCOyKiQ0C+AtN5HqjjK8bp2ZZawOJWw5PnwmJHFPMdM0hXu9IJMoG1kgOSPhJ2g==",
  "journal": {
    "chaingraph_version": "0.4.0",
    "kernel_digest": "sha256:9a3c7fb7f2a17cb3b8ba3e352f32b1d77d7d51093e23fa65165e7d3d594b106b",
    "output": {
      "apor_pct": 5,
      "applicable_threshold_pct": 2.25,
      "apr_pct": 6.875,
      "fr_citation": "Reg Z §1026.43(e)(2)(vi)(A)-(C); Dodd-Frank Act §1412; CFPB QM Rule Jan 2021; CFPB 2021 General QM Final Rule (FR 2020-28417)",
      "general_qm_pass": true,
      "headroom_pct": 0.375,
      "hpct_threshold_pct": 1.5,
      "is_hpct": true,
      "is_manufactured_housing": false,
      "lien_type": "first",
      "loan_amount": 450000,
      "note": "APOR must be supplied by caller from FFIEC weekly APOR table (ffiec.gov/ratespread). This node does not bundle APOR data. 2026 loan-size cutoff $137,958 per FR 2025-22773.",
      "qm_status": "general_qm_rebuttable_presumption",
      "regulatory_basis": "Reg Z §1026.43(e)(2)(vi) (QM spread test) and §1026.43(b)(4) (HPCT safe-harbor vs rebuttable presumption)",
      "spread_pct": 1.875,
      "threshold_basis": "first_lien_standard_2.25pp",
      "year": 2026
    }
  }
}