{
 "contract_version": "0.1",
 "passport_id": "frc:claim:national-fha-denial-rate-2025",
 "canonical_claim": {
  "template": "In 2025, {value} of decisioned FHA applications were denied (actions 1,2,3; loan_type 2).",
  "required_fields": [
   "period",
   "population",
   "program_scope"
  ]
 },
 "required_qualifiers": {
  "period": "2025",
  "population": "decisioned FHA applications",
  "program_scope": "FHA only, not all mortgages"
 },
 "does_not_establish": [
  "22.1% of ALL US mortgage applications were denied",
  "22.1% applies to purchase-only or refinance-only segments",
  "any individual's denial probability"
 ],
 "forbidden_transformations": [
  "causal_attribution",
  "individual_prediction",
  "personalized_lender_recommendation",
  "legal_conclusion"
 ],
 "rule": "Free text is the OUTPUT of evidence, not its input. Certify before you write.",
 "test_vectors": [
  {
   "id": "pass-canonical",
   "proposed_use": {
    "population": "decisioned_fha_applications",
    "causal_assertion": false,
    "individual_prediction": false
   },
   "expected_verdict": "pass"
  },
  {
   "id": "fail-scope",
   "proposed_use": {
    "population": "all_us_mortgages"
   },
   "expected_verdict": "block",
   "reason_code": "SCOPE_TOO_BROAD"
  },
  {
   "id": "fail-personal",
   "proposed_use": {
    "individual_prediction": true
   },
   "expected_verdict": "block",
   "reason_code": "INDIVIDUAL_PREDICTION_PROHIBITED"
  }
 ]
}