{
  "type": "ZkVmReceipt",
  "system": "risc0",
  "receiptFormat": "groth16-bn254",
  "imageId": "sha256:a1a0bc89b5b1febaeda3519f6dbade0fa5ac16beeb143c4e1b01689573567bc6",
  "seal": "GcK1XGGleYcY7w85P9dR1/UzFc+XU+p8gZvuJ1OVBwEgBxfbk13tXnnkIO6wAuc8WSc+cqjUxEujPIshO4h+vy26nkWBtqMTqjJ6E43CtURMhveZzvelRInfuo9IpsuiBIVgRvd8LUjduaNNASqDoDtIHA8VkS2A+ynICvP+cvwOxOwGUlcUfilBWDJjqewf+mriaMDv0cYmRk+Xizir0SIHQfMCRvx/JEpiG0/vIRu7/7r6DMPCeTEiNvRrVAIaG+7KWgbxlxaj3qV9Or1StecqMZDApFbd49B/ygEvOWIDUWaiULRfl4ijrfM1b22bWKZFXigTjW5CXk9tzLlQFg==",
  "journal": {
    "chaingraph_version": "0.4.0",
    "kernel_digest": "sha256:224b7fe562fe4671cc165a1228afc28e82d8abbdfc5ec4c9e93ee480e50587a5",
    "output": {
      "available_years": [
        2021,
        2022,
        2023,
        2024,
        2025,
        2026
      ],
      "data": {
        "effective": "2026-01-01",
        "fr_citation": "FR 2025-22773, effective 2026-01-01",
        "tier_1_min": 137958,
        "tier_1_pct": 3,
        "tier_2_fixed": 4139,
        "tier_3_min": 27592,
        "tier_3_pct": 5,
        "tier_4_fixed": 1380,
        "tier_5_pct": 8
      },
      "note": "This node exists because agents hallucinate current-year dollar thresholds. Values are pinned at build time; refresh yearly. Always verify at consumerfinance.gov for the latest effective rule.",
      "regulatory_basis": "Reg Z 12 CFR 1026 (version-pinned threshold table)",
      "table": "qm_points_fees",
      "year": 2026
    }
  }
}