{
  "type": "ZkVmReceipt",
  "system": "risc0",
  "receiptFormat": "groth16-bn254",
  "imageId": "sha256:a1a0bc89b5b1febaeda3519f6dbade0fa5ac16beeb143c4e1b01689573567bc6",
  "seal": "Gl8A7VFBM6UzpU9ct+CI0PAZk9lAkdOzq1v2QRRtuJwrIWFi/8SCu/iCr+pFQSWoV1BzbK9i1MC26dGBH1ypTiMtxhUCh1Kni1slwuJ6fPP/ZFUA94PQGaE5yThkY1AQJXrNyp5W06oGh0q+ZcCWjfG4mRx4bXaX448bH7Pgclwb3h1qy+1z6z1kh+3kcA4fHhkrqk04YddkXAfjV+Q47Qym9v/5k2/W9a1IlWPDWG1SAq0vQJCGy62K9NbplZOwKEGml+xWCBW+FsYZ2O1jXTSnEfxfTMpfRnb4JETlvG4H3ic5Y1+U9f54m52vDszkTncxonkkKZvNZrKxmlYMYg==",
  "journal": {
    "chaingraph_version": "0.4.0",
    "kernel_digest": "sha256:e5a263ed1661368515b9067ec68da298ff6673a824b28c901bb1325bcf51a2a7",
    "output": {
      "apor_pct": 5.5,
      "apr_pct": 12.5,
      "apr_spread_pct": 7,
      "apr_threshold_basis": "first_lien_standard_6.5pp",
      "apr_threshold_pct": 6.5,
      "apr_trigger_met": true,
      "consumes": "art-220 (lookup_reg_z_thresholds) supplies the HOEPA threshold table (table: hoepa). This node pins the same values for local deterministic compute.",
      "fr_citation": "FR 2025-22773, effective 2026-01-01; 12 CFR §1026.32(a)(1)(ii)",
      "has_prepayment_penalty": false,
      "is_high_cost": true,
      "is_small_dwelling": false,
      "lien_type": "first",
      "loan_amount": 400000,
      "note": "HOEPA restrictions apply if ANY trigger is met. APOR must be supplied by caller from FFIEC weekly APOR table (ffiec.gov/ratespread). For HPML escrow requirement: use art-235 (test_hpml_escrow).",
      "points_and_fees": 5000,
      "points_fees_floor": 1380,
      "points_fees_limit": 20000,
      "points_fees_limit_pct": 5,
      "points_fees_trigger_met": false,
      "pp_pct_limit": 2,
      "pp_period_limit_months": 36,
      "prepayment_penalty_pct": 0,
      "prepayment_penalty_period_months": 0,
      "prepayment_penalty_trigger_met": false,
      "regulatory_basis": "12 CFR §1026.32(a)(1) HOEPA high-cost mortgage trigger test. APR trigger: §1026.32(a)(1)(i). Points-and-fees trigger: §1026.32(a)(1)(ii). Prepayment penalty trigger: §1026.32(a)(1)(iii).",
      "table_version": "HOEPA-REGZ-2026-01-01",
      "triggers_fired": [
        "apr_trigger"
      ],
      "year": 2026
    }
  }
}