{
  "type": "ZkVmReceipt",
  "system": "risc0",
  "receiptFormat": "groth16-bn254",
  "imageId": "sha256:a1a0bc89b5b1febaeda3519f6dbade0fa5ac16beeb143c4e1b01689573567bc6",
  "seal": "DIxHdZNT7yvo9XM8vAzDM/uHR/B12GzOM0JyQyr5NPUH7PTaHgAJH6O48GM5p+Ukjvu28+Ud2pO1zVsb3zSsRwU9a+qX17lMHRYwhTMI4W0XLoKtSjtb7BFL8jJGjHUoBZ9i4hMkwpUWnOSAP5INrGwn2gvp2J+fU5NDapFBmlsYaILJVSyDz5wgeIhF0fhvblNh75HDMMI6KK2h37dCTBypGtd7ElWF0BURRWQj2wKwE8wr8+CRQn9rxlGMV6tOGt6ObsuwyBTGMw8AF3EPA5Np+XxNAfn13EnxqCN/IGESVHud3JdwZXp5vlAdqoVYEOGD25SQGrDM/0zxeHyQ4Q==",
  "journal": {
    "chaingraph_version": "0.4.0",
    "kernel_digest": "sha256:41826ca9f3d3ba48ad150289c96f2aad017594ea96ff49fb448fabf84fdb6bef",
    "output": {
      "apor_pct": 5.5,
      "apr_pct": 7.5,
      "apr_spread_pct": 2,
      "consumes": "art-220 (lookup_reg_z_thresholds) supplies the HPML threshold table (table: hpml). HPML spread thresholds (1.5/2.5/3.5 pp) are structural Dodd-Frank values, not CPI-adjusted.",
      "escrow_exemption": null,
      "escrow_exemption_basis": null,
      "escrow_required": true,
      "fr_citation": "Reg Z §1026.35(a)(1); Dodd-Frank Act; Reg Z §1026.35 Final Rule (FR 2013-01730, eff. Jan 10, 2014). Structural thresholds unchanged since 2014.",
      "is_hpml": true,
      "is_jumbo": false,
      "lien_type": "first",
      "note": "HPML escrow applies to first-lien transactions only; subordinate liens are not subject to §1026.35(b) escrow. For HOEPA high-cost test (APOR+6.5pp/8.5pp): use art-234 (test_hoepa_high_cost). APOR must be supplied by caller from FFIEC weekly table (ffiec.gov/ratespread).",
      "regulatory_basis": "Reg Z §1026.35(a)(1) HPML definition; §1026.35(b)(1) escrow requirement (first-lien HPML, minimum 5 years); §1026.35(b)(2) rural/underserved small creditor and condo master-policy exemptions.",
      "spread_threshold_basis": "first_lien_standard_1.5pp",
      "spread_threshold_pct": 1.5,
      "table_version": "HPML-REGZ-2026-01-01",
      "year": 2026
    }
  }
}