{
  "type": "ZkVmReceipt",
  "system": "risc0",
  "receiptFormat": "groth16-bn254",
  "imageId": "sha256:a1a0bc89b5b1febaeda3519f6dbade0fa5ac16beeb143c4e1b01689573567bc6",
  "seal": "Hu8CzF+/nDmhBEtCGbaYS2u7Ou15R8n2+mf3j9RNlUMJ6uGksEnkvErZorgYg+5fPy1Jv0F2K2pwnWtbTCD1hgyuMjaafGWtSWwYIa8TtsCVkIMJJG0HByKZVyqJxe+FKjI8KELZZMH5G2PKasXvTnErGc+1xTQdArWLv0IEP2EFaxlQdONvrn3fbhJth//a31K1IYdoTWkA9Nokse9EaCgMmJpKPjE22Htwuh7PFlXW6u5AaGdiB3gezqbkEP8WI2CD+7ovFApgXTQX1YsWtMugme4nGVHsejpXgpKA1D0btGwkSIfaYb8y5OlXmjMLmKJi8nM6YUDvvYGIhuye/g==",
  "journal": {
    "chaingraph_version": "0.4.0",
    "kernel_digest": "sha256:0b45d429f6c43e46f0917a4fdb5c651ce821e6ee33ad8dd67223d6bdfb394431",
    "output": {
      "all_obligations_met": true,
      "annex3_category": "5b_creditworthiness",
      "art12_logging_required": true,
      "art26_deployer_duties_apply": true,
      "compliance_gaps": [],
      "db_registration_required": true,
      "do_now": [],
      "enforcement_dates": {
        "digital_omnibus_proposed": "2027-12-02",
        "note": "Digital Omnibus (provisional agreement 7 May 2026) proposes Annex III high-risk obligations to 2 Dec 2027. Verify current AI Act status.",
        "original": "2026-08-02"
      },
      "enforcement_readiness": "READY",
      "extends_note": "This node extends run_ai_act_highrisk_fit with FS-specific Art 12 and Art 26 obligations. Run art-64 first to confirm is_high_risk=true.",
      "extends_tool": "run_ai_act_highrisk_fit (art-64)",
      "fria_required": true,
      "is_5b_creditworthiness": true,
      "is_5c_life_health_insurance": false,
      "is_high_risk": true,
      "obligations": [
        {
          "article": "Art 12(2)",
          "obligation": "Log inputs, outputs, timestamps, model version, override flags, natural-person-ID field. Retain >= 6 months.",
          "status": "IMPLEMENTED"
        },
        {
          "article": "Art 26(6)",
          "obligation": "Deployer: conduct FRIA before deployment for Annex III 5(b)/(5)(c) systems. Maintain human oversight mechanism.",
          "status": "IMPLEMENTED"
        },
        {
          "article": "Art 27(1)",
          "obligation": "Register creditworthiness AI system in EU AI Act public database before deployment.",
          "status": "IMPLEMENTED"
        }
      ],
      "regulatory_basis": "EU AI Act (Reg. 2024/1689) Annex III 5(b), 5(c); Art 12(2) (decision logging); Art 26(6) (deployer duties + FRIA); Art 27(1) (EU database registration)",
      "scope_verdict": "ANNEX3_5B_CREDITWORTHINESS",
      "table_version": "EU-AIA-ANNEX3-FS-2024-1689-R1"
    }
  }
}