{
 "passport_version": "0.1",
 "issuer": "FinanceRateCalc",
 "issued_at": "2026-08-12T00:00:00Z",
 "provenance": {
  "primary_source": "CFPB/FFIEC HMDA public record, 2025",
  "dataset": "loan_type=2 (FHA); action_taken in {1,2,3} = decisioned",
  "code_history": "https://github.com/financeratecalc/financeratecalc.github.io",
  "integrity_note": "v0: integrity via sha256 + public git history; cryptographic signatures planned"
 },
 "use_boundary": {
  "allowed": [
   "historical aggregate comparison",
   "journalism",
   "market analysis",
   "research"
  ],
  "prohibited": [
   "individual approval prediction",
   "borrower profiling",
   "personalized lender recommendation"
  ],
  "minimum_cell_size": 100
 },
 "attribution": {
  "required_text": "Source: FinanceRateCalc analysis of the public CFPB HMDA 2025 record; historical aggregate only.",
  "license": "CC BY 4.0"
 },
 "claim": {
  "metric": "door_effect_share_of_explained_variation",
  "value": 0.38,
  "unit": "share_of_explainable_variation",
  "subject": "859,090 decisioned 2025 FHA applications",
  "period": "2025",
  "definition": "McFadden R2 increase from applicant-only model (0.171) to applicant+lender model (0.276); (0.276-0.171)/0.276",
  "note": "Associational decomposition, NOT causal attribution. HMDA contains no credit scores. Precise phrasing: 38% of the EXPLAINABLE variation."
 },
 "passport_id": "frc:claim:door-effect-38pct-2026",
 "canonical_url": "https://financeratecalc.com/claims/door-effect-38pct-2026.json",
 "sha256": "7ee3a792731f10a3efc177de797609617a7a3d27b7e79b7c2966dc4f1d3f2193",
 "reproduce": {
  "how_to_reproduce": "Recipes for the headline figures, with expected results and the usual pitfalls, are published at https://financeratecalc.com/verify.html and machine-readably at https://financeratecalc.com/data/verify.json.",
  "universe": "loan_type=2 (FHA forward), action_taken in (1,2,3), reverse mortgages (HECM) excluded",
  "if_you_get_a_different_number": "Tell us: ziyetis@gmail.com. A figure we cannot reproduce goes in the public corrections log, dated, with credit to whoever found it."
 },
 "independent_reproduction_status": "not yet independently reproduced — this section exists so that can change"
}