{
  "type": "ZkVmReceipt",
  "system": "risc0",
  "receiptFormat": "groth16-bn254",
  "imageId": "sha256:a1a0bc89b5b1febaeda3519f6dbade0fa5ac16beeb143c4e1b01689573567bc6",
  "seal": "CmEW1KhOSVhRjxtPQeVsM0JxP6QRs3eHvvEYrrphsKQppK8+ZxFlPpiKo0418wNKpYdqziKbmACC6EcLH1UvRhKBcnpY0fp7g7gIn6zvX+EmpAZIzD3GArLUvBiP7V3jEv+W/AREpjwb34q/WKOsLeDbdIiLUzjnUNJ5ib8oNCYQPi5tutAps3SCf45KR8qAkq2tE13coCOluvc/K3Sp+BhavfT2udCGFdRMt3kP18Fl9BmntXcK/dZkvpQSGCRuA7GTBwlaI7lJ8li388TiKtcSQT45HJUxjY8IF7Z0U8Qfo/eQBilMIKz6TGtCeq9I6NjD4/lfIOn/M04nSTNPuQ==",
  "journal": {
    "chaingraph_version": "0.4.0",
    "kernel_digest": "sha256:68a2b118857650ebe9fb5729f49dad91a524e942c1634d0ac6b6e7997dd2a667",
    "output": {
      "action_taken": "denied",
      "compliance_score": 1,
      "compliant": true,
      "credit_score_used": true,
      "fcra_required": true,
      "fcra_violations": 0,
      "pii_note": "All inputs are processed locally in your browser. No data is transmitted. Do not enter real personal data.",
      "reason_count": 4,
      "reason_count_valid": true,
      "regulatory_basis": "Reg B §1002.9(a)(2)(i) (12 CFR Part 1002); ECOA 15 USC §1691c; FCRA §615(a) 15 USC §1681m; CFPB Circular 2022-03; CFPB Circular 2023-03",
      "table_source": "CFPB Circular 2022-03 (Aug 2022); CFPB Circular 2023-03 (Sep 2023); 12 CFR §1002.9; 15 USC §1681m",
      "table_version": "REG-B-ADVERSE-ACTION-2024-CFPB-CIRC-2023-03",
      "violation_count": 0,
      "violations": [],
      "warning_count": 0,
      "warnings": []
    }
  }
}