{
  "type": "ZkVmReceipt",
  "system": "risc0",
  "receiptFormat": "groth16-bn254",
  "imageId": "sha256:a1a0bc89b5b1febaeda3519f6dbade0fa5ac16beeb143c4e1b01689573567bc6",
  "seal": "A9UqX2xdkALkkIPFtkCiF2sVzyTv2aQcIZSddOYJfEMB/6MX9nj5AC4noFVj+o886768yZchJbwvrPlSXzbdDRGA8rrLE+bvCCvHjhiH/mC4TA94DObsZAFCAHzTPEEcDINuHxS7/IhI/7oYrzD/67XmAxXoMbBO9TvbJNW24IcoCav+Iq8icLdvsJfW715YHxs2nKp3Fxh//ID3tda8RQd+tjdNU0VREtLogjUAHG5LiIcoWXabiRH/PZLgxr2WDkN7Bg2i+NBbAqKLTTzYOslcQwsgs6JetNR7ZyY+YXIhnMX/qLDZInB3TePU4GDZjU0Q48BVIKTbFdCANffhVQ==",
  "journal": {
    "chaingraph_version": "0.4.0",
    "kernel_digest": "sha256:dbad1174408ec1f0f5c95733d54dba4f6fb04ce2add7c6bb270fa77b271b8c39",
    "output": {
      "charge_summary": {
        "charge_coverage_end": "2027-04-19",
        "charge_coverage_start": "2026-04-20",
        "charge_date": "2026-04-20",
        "charged_premium_amount": 1200
      },
      "elements": [
        {
          "cited_paragraph": "12 CFR 1024.37(c)(1)(i)",
          "days_between_first_notice_and_charge": 50,
          "element_id": "first_notice_45_day_advance",
          "minimum_days": 45,
          "requirement": "written first notice delivered or mailed at least 45 days before the premium charge is assessed",
          "state": "met"
        },
        {
          "cited_paragraph": "12 CFR 1024.37(d)(1)",
          "days_between_reminder_and_charge": 19,
          "element_id": "reminder_15_days_before_charge",
          "minimum_days": 15,
          "requirement": "reminder notice delivered or mailed at least 15 days before the premium charge is assessed",
          "state": "met"
        },
        {
          "cited_paragraph": "12 CFR 1024.37(d)(1)",
          "days_between_first_notice_and_reminder": 31,
          "element_id": "reminder_30_days_after_first_notice",
          "minimum_days": 30,
          "requirement": "reminder notice not delivered or mailed until at least 30 days after the first notice",
          "state": "met"
        },
        {
          "cited_paragraph": "12 CFR 1024.37(c)(1)(iii)",
          "element_id": "no_continuous_coverage_evidence_before_charge",
          "note": "no evidence of continuous coverage reported as received",
          "requirement": "by the end of the 15-day period beginning on the reminder delivery date the servicer has not received evidence of continuous compliant coverage (a charge assessed despite such evidence is not permitted)",
          "state": "met"
        },
        {
          "cited_paragraph": "12 CFR 1024.37(c)(2)",
          "element_id": "first_notice_content",
          "note": "first_notice_content_items not supplied; content checklist not evaluated",
          "requirement": "the first notice sets forth the information required by the content paragraph (all eleven enumerated items)",
          "state": "not_applicable"
        },
        {
          "cited_paragraph": "12 CFR 1024.37(f)",
          "element_id": "mail_class_at_least_first_class",
          "note": "notice_mail_class not supplied; mailing check not evaluated",
          "requirement": "mailed notices use a class of mail not less than first-class mail",
          "state": "not_applicable"
        },
        {
          "cited_paragraph": "12 CFR 1024.37(h)(1)-(2)",
          "element_id": "premium_benchmark",
          "note": "values_only_comparison: the node reports charged vs alternative-quote values and never labels a premium reasonable or unreasonable",
          "requirement": "charges related to force-placed insurance must be bona fide and reasonable (the node reports the comparison values only)",
          "state": "met"
        }
      ],
      "evidence": {
        "record_type": "force_placed_insurance_notice_check",
        "refused": false,
        "tool_id": "art-734-force-placed-insurance-checker",
        "tool_version": "1.0.0"
      },
      "manual_review_required": false,
      "premium_benchmark": {
        "alternative_quote_amount": 600,
        "charged_premium_amount": 1200,
        "comparison_table": [
          {
            "item": "charged_premium",
            "value": 1200
          },
          {
            "item": "borrower_alternative_quote",
            "value": 600
          },
          {
            "item": "difference_charged_minus_quote",
            "value": 600
          },
          {
            "item": "ratio_charged_to_quote",
            "value": 2
          }
        ],
        "difference_charged_minus_quote": 600,
        "note": "values_only_comparison: the node reports charged vs alternative-quote values and never labels a premium reasonable or unreasonable",
        "ratio_charged_to_quote": 2,
        "state": "reported"
      },
      "refund_evaluation": null,
      "verdict": "compliant"
    }
  }
}