{
 "fixture_version": "1.4",
 "generated": "2026-10-12",
 "purpose": "Published expectations for the live frc-mcp evidence behaviour. Each fixture names the rule, the source document, the inputs and the exact expected status, value, cell and reason codes. Deterministic; no model. Fixture 1.1 (2026-10-12) adds the rule-sentence gate on the four non-MIP rule files, including a cross-rule provenance error observed in the wild. Fixture 1.2 (2026-10-12) adds figure-role binding: a right number under the wrong role, a published percentage on the wrong tier, an assumed date, and a stated date before the rule's start. Fixture 1.3 (2026-10-12) adds per-claim condition binding (units, use, band read from the figure's own clause), every-rate checking, and a whole-result receipt scan. Fixture 1.4 (2026-10-12): claim year vs source year; two roles in one clause left unbound.",
 "fixtures": [
  {
   "rule_id": "frc:rule:hud-ml-2023-05-annual-mip",
   "source_document_id": "HUD-ML-2023-05",
   "source_url": "https://financeratecalc.com/rules/fha-annual-mip-ml-2023-05.json",
   "source_vintage": "HUD Mortgagee Letter 2023-05",
   "effective_date": "2023-03-20",
   "method_version": "resolve_fha_annual_mip v1",
   "tool": "resolve_fha_annual_mip",
   "unit": "bps_per_year_of_base_loan",
   "id": "EV01",
   "title": "valid FHA annual MIP case",
   "client": "2025",
   "input": {
    "base_loan_amount": 300000,
    "ltv_pct": 85,
    "term_years": 15,
    "case_number_date": "2026-02-01"
   },
   "expected_status": "pass",
   "group": "evidence_conformance",
   "expected_value": 15,
   "expected_cell": {
    "term": "le15",
    "base_loan": "le726200",
    "ltv": "le90"
   }
  },
  {
   "rule_id": "frc:rule:hud-ml-2023-05-annual-mip",
   "source_document_id": "HUD-ML-2023-05",
   "source_url": "https://financeratecalc.com/rules/fha-annual-mip-ml-2023-05.json",
   "source_vintage": "HUD Mortgagee Letter 2023-05",
   "effective_date": "2023-03-20",
   "method_version": "resolve_fha_annual_mip v1",
   "tool": "resolve_fha_annual_mip",
   "unit": "bps_per_year_of_base_loan",
   "id": "EV02",
   "title": "missing loan amount (2025 client)",
   "client": "2025",
   "input": {
    "ltv_pct": 85,
    "term_years": 15,
    "case_number_date": "2026-02-01"
   },
   "expected_status": "block",
   "group": "legacy_client_compatibility",
   "expected_reason_codes": [
    "CONDITION_MISSING"
   ],
   "expected_required_fields": [
    "base_loan_amount"
   ]
  },
  {
   "rule_id": "frc:rule:hud-ml-2023-05-annual-mip",
   "source_document_id": "HUD-ML-2023-05",
   "source_url": "https://financeratecalc.com/rules/fha-annual-mip-ml-2023-05.json",
   "source_vintage": "HUD Mortgagee Letter 2023-05",
   "effective_date": "2023-03-20",
   "method_version": "resolve_fha_annual_mip v1",
   "tool": "resolve_fha_annual_mip",
   "unit": "bps_per_year_of_base_loan",
   "id": "EV03",
   "title": "missing LTV (2026 client) -> input_required",
   "client": "2026",
   "input": {
    "base_loan_amount": 300000,
    "term_years": 15,
    "case_number_date": "2026-02-01"
   },
   "expected_status": "input_required",
   "group": "modern_client_mrtr_flow",
   "expected_required_fields": [
    "ltv_pct"
   ]
  },
  {
   "rule_id": "frc:rule:hud-ml-2023-05-annual-mip",
   "source_document_id": "HUD-ML-2023-05",
   "source_url": "https://financeratecalc.com/rules/fha-annual-mip-ml-2023-05.json",
   "source_vintage": "HUD Mortgagee Letter 2023-05",
   "effective_date": "2023-03-20",
   "method_version": "resolve_fha_annual_mip v1",
   "tool": "resolve_fha_annual_mip",
   "unit": "bps_per_year_of_base_loan",
   "id": "EV04",
   "title": "missing term (2026 client) -> input_required",
   "client": "2026",
   "input": {
    "base_loan_amount": 300000,
    "ltv_pct": 85,
    "case_number_date": "2026-02-01"
   },
   "expected_status": "input_required",
   "group": "modern_client_mrtr_flow",
   "expected_required_fields": [
    "term_years"
   ]
  },
  {
   "rule_id": "frc:rule:hud-ml-2023-05-annual-mip",
   "source_document_id": "HUD-ML-2023-05",
   "source_url": "https://financeratecalc.com/rules/fha-annual-mip-ml-2023-05.json",
   "source_vintage": "HUD Mortgagee Letter 2023-05",
   "effective_date": "2023-03-20",
   "method_version": "resolve_fha_annual_mip v1",
   "tool": "resolve_fha_annual_mip",
   "unit": "bps_per_year_of_base_loan",
   "id": "EV05",
   "title": "missing case date (2025 client)",
   "client": "2025",
   "input": {
    "base_loan_amount": 300000,
    "ltv_pct": 85,
    "term_years": 15
   },
   "expected_status": "block",
   "group": "legacy_client_compatibility",
   "expected_reason_codes": [
    "CONDITION_MISSING"
   ],
   "expected_required_fields": [
    "case_number_date"
   ]
  },
  {
   "rule_id": "frc:rule:hud-ml-2023-05-annual-mip",
   "source_document_id": "HUD-ML-2023-05",
   "source_url": "https://financeratecalc.com/rules/fha-annual-mip-ml-2023-05.json",
   "source_vintage": "HUD Mortgagee Letter 2023-05",
   "effective_date": "2023-03-20",
   "method_version": "resolve_fha_annual_mip v1",
   "tool": "resolve_fha_annual_mip",
   "unit": "bps_per_year_of_base_loan",
   "id": "EV06",
   "title": "boundary: LTV exactly 90 (<=90 band), >15y",
   "client": "2025",
   "input": {
    "base_loan_amount": 300000,
    "ltv_pct": 90,
    "term_years": 30,
    "case_number_date": "2026-02-01"
   },
   "expected_status": "pass",
   "group": "boundary_tests",
   "expected_value": 50,
   "expected_cell": {
    "term": "gt15",
    "base_loan": "le726200",
    "ltv": "le90"
   }
  },
  {
   "rule_id": "frc:rule:hud-ml-2023-05-annual-mip",
   "source_document_id": "HUD-ML-2023-05",
   "source_url": "https://financeratecalc.com/rules/fha-annual-mip-ml-2023-05.json",
   "source_vintage": "HUD Mortgagee Letter 2023-05",
   "effective_date": "2023-03-20",
   "method_version": "resolve_fha_annual_mip v1",
   "tool": "resolve_fha_annual_mip",
   "unit": "bps_per_year_of_base_loan",
   "id": "EV07",
   "title": "boundary: LTV exactly 95 (90to95 band), >15y",
   "client": "2025",
   "input": {
    "base_loan_amount": 300000,
    "ltv_pct": 95,
    "term_years": 30,
    "case_number_date": "2026-02-01"
   },
   "expected_status": "pass",
   "group": "boundary_tests",
   "expected_value": 50,
   "expected_cell": {
    "term": "gt15",
    "base_loan": "le726200",
    "ltv": "90to95"
   }
  },
  {
   "rule_id": "frc:rule:hud-ml-2023-05-annual-mip",
   "source_document_id": "HUD-ML-2023-05",
   "source_url": "https://financeratecalc.com/rules/fha-annual-mip-ml-2023-05.json",
   "source_vintage": "HUD Mortgagee Letter 2023-05",
   "effective_date": "2023-03-20",
   "method_version": "resolve_fha_annual_mip v1",
   "tool": "resolve_fha_annual_mip",
   "unit": "bps_per_year_of_base_loan",
   "id": "EV08",
   "title": "just outside: LTV 95.01 (>95 band), >15y",
   "client": "2025",
   "input": {
    "base_loan_amount": 300000,
    "ltv_pct": 95.01,
    "term_years": 30,
    "case_number_date": "2026-02-01"
   },
   "expected_status": "pass",
   "group": "boundary_tests",
   "expected_value": 55,
   "expected_cell": {
    "term": "gt15",
    "base_loan": "le726200",
    "ltv": "gt95"
   }
  },
  {
   "rule_id": "frc:rule:hud-ml-2023-05-annual-mip",
   "source_document_id": "HUD-ML-2023-05",
   "source_url": "https://financeratecalc.com/rules/fha-annual-mip-ml-2023-05.json",
   "source_vintage": "HUD Mortgagee Letter 2023-05",
   "effective_date": "2023-03-20",
   "method_version": "resolve_fha_annual_mip v1",
   "tool": "resolve_fha_annual_mip",
   "unit": "bps_per_year_of_base_loan",
   "id": "EV09",
   "title": "loan amount exactly at the $726,200 threshold (<= band)",
   "client": "2025",
   "input": {
    "base_loan_amount": 726200,
    "ltv_pct": 96.5,
    "term_years": 30,
    "case_number_date": "2026-02-01"
   },
   "expected_status": "pass",
   "group": "boundary_tests",
   "expected_value": 55,
   "expected_cell": {
    "term": "gt15",
    "base_loan": "le726200",
    "ltv": "gt95"
   }
  },
  {
   "rule_id": "frc:rule:hud-ml-2023-05-annual-mip",
   "source_document_id": "HUD-ML-2023-05",
   "source_url": "https://financeratecalc.com/rules/fha-annual-mip-ml-2023-05.json",
   "source_vintage": "HUD Mortgagee Letter 2023-05",
   "effective_date": "2023-03-20",
   "method_version": "resolve_fha_annual_mip v1",
   "tool": "resolve_fha_annual_mip",
   "unit": "bps_per_year_of_base_loan",
   "id": "EV10",
   "title": "loan amount one dollar above the threshold (> band)",
   "client": "2025",
   "input": {
    "base_loan_amount": 726201,
    "ltv_pct": 96.5,
    "term_years": 30,
    "case_number_date": "2026-02-01"
   },
   "expected_status": "pass",
   "group": "boundary_tests",
   "expected_value": 75,
   "expected_cell": {
    "term": "gt15",
    "base_loan": "gt726200",
    "ltv": "gt95"
   }
  },
  {
   "rule_id": "frc:rule:hud-ml-2023-05-annual-mip",
   "source_document_id": "HUD-ML-2023-05",
   "source_url": "https://financeratecalc.com/rules/fha-annual-mip-ml-2023-05.json",
   "source_vintage": "HUD Mortgagee Letter 2023-05",
   "effective_date": "2023-03-20",
   "method_version": "resolve_fha_annual_mip v1",
   "tool": "resolve_fha_annual_mip",
   "unit": "bps_per_year_of_base_loan",
   "id": "EV11",
   "title": "case date one day before the rule start",
   "client": "2025",
   "input": {
    "base_loan_amount": 300000,
    "ltv_pct": 85,
    "term_years": 15,
    "case_number_date": "2023-03-19"
   },
   "expected_status": "block",
   "group": "boundary_tests",
   "expected_reason_codes": [
    "RULE_NOT_IN_FORCE"
   ]
  },
  {
   "rule_id": "frc:rule:hud-ml-2023-05-annual-mip",
   "source_document_id": "HUD-ML-2023-05",
   "source_url": "https://financeratecalc.com/rules/fha-annual-mip-ml-2023-05.json",
   "source_vintage": "HUD Mortgagee Letter 2023-05",
   "effective_date": "2023-03-20",
   "method_version": "resolve_fha_annual_mip v1",
   "tool": "resolve_fha_annual_mip",
   "unit": "bps_per_year_of_base_loan",
   "id": "EV12",
   "title": "case date equal to the rule start",
   "client": "2025",
   "input": {
    "base_loan_amount": 300000,
    "ltv_pct": 85,
    "term_years": 15,
    "case_number_date": "2023-03-20"
   },
   "expected_status": "pass",
   "group": "boundary_tests",
   "expected_value": 15,
   "expected_cell": {
    "term": "le15",
    "base_loan": "le726200",
    "ltv": "le90"
   }
  },
  {
   "rule_id": "frc:rule:hud-ml-2023-05-annual-mip",
   "source_document_id": "HUD-ML-2023-05",
   "source_url": "https://financeratecalc.com/rules/fha-annual-mip-ml-2023-05.json",
   "source_vintage": "HUD Mortgagee Letter 2023-05",
   "effective_date": "2023-03-20",
   "method_version": "resolve_fha_annual_mip v1",
   "tool": "resolve_fha_annual_mip",
   "unit": "bps_per_year_of_base_loan",
   "id": "EV13",
   "title": "case date after the rule start",
   "client": "2025",
   "input": {
    "base_loan_amount": 300000,
    "ltv_pct": 85,
    "term_years": 15,
    "case_number_date": "2025-07-01"
   },
   "expected_status": "pass",
   "group": "boundary_tests",
   "expected_value": 15,
   "expected_cell": {
    "term": "le15",
    "base_loan": "le726200",
    "ltv": "le90"
   }
  },
  {
   "rule_id": "frc:rule:hud-ml-2023-05-annual-mip",
   "source_document_id": "HUD-ML-2023-05",
   "source_url": "https://financeratecalc.com/rules/fha-annual-mip-ml-2023-05.json",
   "source_vintage": "HUD Mortgagee Letter 2023-05",
   "effective_date": "2023-03-20",
   "method_version": "resolve_fha_annual_mip v1",
   "tool": "resolve_fha_annual_mip",
   "unit": "bps_per_year_of_base_loan",
   "id": "EV14",
   "title": "wrong program (VA) requested from the FHA resolver -> no number",
   "client": "2025",
   "input": {
    "base_loan_amount": 300000,
    "ltv_pct": 85,
    "term_years": 15,
    "case_number_date": "2026-02-01",
    "program": "VA"
   },
   "expected_status": "block",
   "group": "evidence_conformance",
   "expected_reason_codes": [
    "PROGRAM_MISMATCH"
   ],
   "note": "the resolver covers FHA forward mortgages only; a stated other program must not resolve a cell"
  },
  {
   "rule_id": "frc:rule:hud-ml-2023-05-annual-mip",
   "source_document_id": "HUD-ML-2023-05",
   "source_url": "https://financeratecalc.com/rules/fha-annual-mip-ml-2023-05.json",
   "source_vintage": "HUD Mortgagee Letter 2023-05",
   "effective_date": "2023-03-20",
   "method_version": "resolve_fha_annual_mip v1",
   "tool": "resolve_fha_annual_mip",
   "unit": "bps_per_year_of_base_loan",
   "id": "EV15",
   "title": "unsupported term (0 years)",
   "client": "2025",
   "input": {
    "base_loan_amount": 300000,
    "ltv_pct": 85,
    "term_years": 0,
    "case_number_date": "2026-02-01"
   },
   "expected_status": "block",
   "group": "evidence_conformance",
   "expected_reason_codes": [
    "CONDITION_INVALID"
   ]
  },
  {
   "rule_id": "frc:rule:hud-ml-2023-05-annual-mip",
   "source_document_id": "HUD-ML-2023-05",
   "source_url": "https://financeratecalc.com/rules/fha-annual-mip-ml-2023-05.json",
   "source_vintage": "HUD Mortgagee Letter 2023-05",
   "effective_date": "2023-03-20",
   "method_version": "resolve_fha_annual_mip v1",
   "tool": "resolve_fha_annual_mip",
   "unit": "bps_per_year_of_base_loan",
   "id": "EV16",
   "title": "fake source document id on the sentence gate",
   "client": "2025",
   "input": {
    "gate": true,
    "passport_id": "frc:claim:national-fha-denial-rate-2025",
    "proposed_sentence": "In 2025, 22.1% of decisioned FHA applications were denied, per HUD Mortgagee Letter 2024-99."
   },
   "expected_status": "block",
   "group": "receipt_integrity",
   "expected_reason_codes": [
    "DOCUMENT_ID_MISMATCH"
   ],
   "note": "the sentence names a document that is not this claim's source"
  },
  {
   "rule_id": "frc:rule:hud-ml-2023-05-annual-mip",
   "source_document_id": "HUD-ML-2023-05",
   "source_url": "https://financeratecalc.com/rules/fha-annual-mip-ml-2023-05.json",
   "source_vintage": "HUD Mortgagee Letter 2023-05",
   "effective_date": "2023-03-20",
   "method_version": "resolve_fha_annual_mip v1",
   "tool": "resolve_fha_annual_mip",
   "unit": "bps_per_year_of_base_loan",
   "id": "EV17",
   "title": "source document / value mismatch: 0.55% attributed to the 15-year <=90 LTV cell",
   "client": "2025",
   "input": {
    "gate": true,
    "passport_id": "frc:rule:hud-ml-2023-05-annual-mip",
    "proposed_sentence": "Under HUD Mortgagee Letter 2023-05, a 15-year FHA loan at 85% LTV and $300,000 carries an annual MIP of 0.55%."
   },
   "expected_status": "block",
   "group": "receipt_integrity",
   "expected_reason_codes": [
    "VALUE_MISMATCH"
   ],
   "note": "the document is right, the value is from another cell"
  },
  {
   "rule_id": "frc:rule:hud-ml-2023-05-annual-mip",
   "source_document_id": "HUD-ML-2023-05",
   "source_url": "https://financeratecalc.com/rules/fha-annual-mip-ml-2023-05.json",
   "source_vintage": "HUD Mortgagee Letter 2023-05",
   "effective_date": "2023-03-20",
   "method_version": "resolve_fha_annual_mip v1",
   "tool": "resolve_fha_annual_mip",
   "unit": "bps_per_year_of_base_loan",
   "id": "EV18",
   "title": "receipt tampering: value changed inside a valid receipt",
   "client": "2025",
   "input": {
    "verify": true,
    "from_fixture": "EV01",
    "tamper": {
     "15bps": "55bps"
    }
   },
   "expected_status": "not_current",
   "group": "receipt_integrity"
  },
  {
   "rule_id": "frc:rule:hud-ml-2023-05-annual-mip",
   "source_document_id": "HUD-ML-2023-05",
   "source_url": "https://financeratecalc.com/rules/fha-annual-mip-ml-2023-05.json",
   "source_vintage": "HUD Mortgagee Letter 2023-05",
   "effective_date": "2023-03-20",
   "method_version": "resolve_fha_annual_mip v1",
   "tool": "resolve_fha_annual_mip",
   "unit": "bps_per_year_of_base_loan",
   "id": "EV19",
   "title": "forbidden borrower input (income, credit score)",
   "client": "2025",
   "input": {
    "base_loan_amount": 300000,
    "ltv_pct": 85,
    "term_years": 15,
    "case_number_date": "2026-02-01",
    "income": 50000,
    "credit_score": 640
   },
   "expected_status": "block",
   "group": "forbidden_input_tests",
   "expected_reason_codes": [
    "FORBIDDEN_INPUT"
   ]
  },
  {
   "rule_id": "frc:rule:hud-ml-2023-05-annual-mip",
   "source_document_id": "HUD-ML-2023-05",
   "source_url": "https://financeratecalc.com/rules/fha-annual-mip-ml-2023-05.json",
   "source_vintage": "HUD Mortgagee Letter 2023-05",
   "effective_date": "2023-03-20",
   "method_version": "resolve_fha_annual_mip v1",
   "tool": "resolve_fha_annual_mip",
   "unit": "bps_per_year_of_base_loan",
   "id": "EV20",
   "title": "multi-field retry flow (2026): ask, answer, resolve",
   "client": "2026",
   "input": {
    "base_loan_amount": 300000,
    "ltv_pct": 85,
    "retry_with": {
     "term_years": 15,
     "case_number_date": "2026-02-01"
    }
   },
   "expected_status": "pass",
   "group": "modern_client_mrtr_flow",
   "expected_value": 15,
   "expected_cell": {
    "term": "le15",
    "base_loan": "le726200",
    "ltv": "le90"
   }
  },
  {
   "rule_id": "frc:rule:fha-forward-loan-limits-2026",
   "source_document_id": "HUD-ML-2025-23",
   "source_url": "https://financeratecalc.com/rules/fha-forward-loan-limits-2026.json",
   "source_vintage": "HUD Mortgagee Letter 2025-23",
   "effective_date": "2026-01-01",
   "method_version": "check_claim_contract rule mode v2",
   "tool": "check_claim_contract",
   "unit": null,
   "id": "EV21",
   "title": "FHA limit sentence, correct floor and ceiling, one unit, year stated",
   "client": "2025",
   "input": {
    "gate": true,
    "passport_id": "frc:rule:fha-forward-loan-limits-2026",
    "proposed_sentence": "For 2026, the FHA one-unit loan limit floor is $541,287 and the high-cost ceiling is $1,249,125."
   },
   "expected_status": "pass",
   "group": "rule_sentence_gate",
   "expected_reason_codes": [],
   "note": "both cells quoted correctly with units, tiers and year",
   "expected_receipt": true
  },
  {
   "rule_id": "frc:rule:fha-forward-loan-limits-2026",
   "source_document_id": "HUD-ML-2025-23",
   "source_url": "https://financeratecalc.com/rules/fha-forward-loan-limits-2026.json",
   "source_vintage": "HUD Mortgagee Letter 2025-23",
   "effective_date": "2026-01-01",
   "method_version": "check_claim_contract rule mode v2",
   "tool": "check_claim_contract",
   "unit": null,
   "id": "EV22",
   "title": "cross-rule provenance error: the MIP base-loan threshold quoted as the FHA loan limit",
   "client": "2025",
   "input": {
    "gate": true,
    "passport_id": "frc:rule:fha-forward-loan-limits-2026",
    "proposed_sentence": "The 2026 FHA loan limit is $726,200 for a one-unit home in most counties."
   },
   "expected_status": "block",
   "group": "rule_sentence_gate",
   "expected_reason_codes": [
    "VALUE_FROM_OTHER_RULE",
    "VALUE_MISMATCH"
   ],
   "note": "the figure exists, but in HUD ML 2023-05 (MIP base-loan threshold), not in the limit table; observed in a Perplexity answer on 2026-10-12"
  },
  {
   "rule_id": "frc:rule:fha-forward-loan-limits-2026",
   "source_document_id": "HUD-ML-2025-23",
   "source_url": "https://financeratecalc.com/rules/fha-forward-loan-limits-2026.json",
   "source_vintage": "HUD Mortgagee Letter 2025-23",
   "effective_date": "2026-01-01",
   "method_version": "check_claim_contract rule mode v2",
   "tool": "check_claim_contract",
   "unit": null,
   "id": "EV23",
   "title": "superseded year value quoted as current",
   "client": "2025",
   "input": {
    "gate": true,
    "passport_id": "frc:rule:fha-forward-loan-limits-2026",
    "proposed_sentence": "The FHA one-unit floor for 2026 is $524,225."
   },
   "expected_status": "block",
   "group": "rule_sentence_gate",
   "expected_reason_codes": [
    "STALE_VALUE",
    "VALUE_MISMATCH"
   ],
   "note": "$524,225 is the 2025 floor named in the rule's supersedes field"
  },
  {
   "rule_id": "frc:rule:fha-forward-loan-limits-2026",
   "source_document_id": "HUD-ML-2025-23",
   "source_url": "https://financeratecalc.com/rules/fha-forward-loan-limits-2026.json",
   "source_vintage": "HUD Mortgagee Letter 2025-23",
   "effective_date": "2026-01-01",
   "method_version": "check_claim_contract rule mode v2",
   "tool": "check_claim_contract",
   "unit": null,
   "id": "EV24",
   "title": "wrong year on a correct figure",
   "client": "2025",
   "input": {
    "gate": true,
    "passport_id": "frc:rule:fha-forward-loan-limits-2026",
    "proposed_sentence": "In 2025 the FHA single-family floor was $541,287."
   },
   "expected_status": "block",
   "group": "rule_sentence_gate",
   "expected_reason_codes": [
    "PERIOD_MISMATCH"
   ],
   "note": "the figure is the 2026 floor; the sentence dates it 2025"
  },
  {
   "rule_id": "frc:rule:fha-forward-loan-limits-2026",
   "source_document_id": "HUD-ML-2025-23",
   "source_url": "https://financeratecalc.com/rules/fha-forward-loan-limits-2026.json",
   "source_vintage": "HUD Mortgagee Letter 2025-23",
   "effective_date": "2026-01-01",
   "method_version": "check_claim_contract rule mode v2",
   "tool": "check_claim_contract",
   "unit": null,
   "id": "EV25",
   "title": "ceiling quoted as floor, with the wrong Mortgagee Letter",
   "client": "2025",
   "input": {
    "gate": true,
    "passport_id": "frc:rule:fha-forward-loan-limits-2026",
    "proposed_sentence": "The FHA one-unit floor in 2026 is $1,249,125 per Mortgagee Letter 2023-05."
   },
   "expected_status": "block",
   "group": "rule_sentence_gate",
   "expected_reason_codes": [
    "DOCUMENT_ID_MISMATCH",
    "VALUE_MISMATCH"
   ],
   "note": "two errors: the document is the MIP letter, and the number is the ceiling cell"
  },
  {
   "rule_id": "frc:rule:fha-forward-loan-limits-2026",
   "source_document_id": "HUD-ML-2025-23",
   "source_url": "https://financeratecalc.com/rules/fha-forward-loan-limits-2026.json",
   "source_vintage": "HUD Mortgagee Letter 2025-23",
   "effective_date": "2026-01-01",
   "method_version": "check_claim_contract rule mode v2",
   "tool": "check_claim_contract",
   "unit": null,
   "id": "EV26",
   "title": "FHA limit figure with no units or tier",
   "client": "2025",
   "input": {
    "gate": true,
    "passport_id": "frc:rule:fha-forward-loan-limits-2026",
    "proposed_sentence": "FHA loan limits for 2026 are $541,287."
   },
   "expected_status": "needs_qualifier",
   "group": "rule_sentence_gate",
   "expected_reason_codes": [
    "QUALIFIER_DELETED"
   ],
   "note": "correct number, but a limit without units and tier misleads: most counties sit between floor and ceiling",
   "expected_absent_codes": [
    "VALUE_MISMATCH",
    "STALE_VALUE",
    "VALUE_FROM_OTHER_RULE"
   ],
   "expected_receipt": false
  },
  {
   "rule_id": "frc:rule:fhfa-conforming-loan-limits-2026",
   "source_document_id": "FHFA-2025-11-25",
   "source_url": "https://financeratecalc.com/rules/fhfa-conforming-loan-limits-2026.json",
   "source_vintage": "FHFA news release 2025-11-25",
   "effective_date": "2026-01-01",
   "method_version": "check_claim_contract rule mode v2",
   "tool": "check_claim_contract",
   "unit": null,
   "id": "EV27",
   "title": "conforming baseline, correct",
   "client": "2025",
   "input": {
    "gate": true,
    "passport_id": "frc:rule:fhfa-conforming-loan-limits-2026",
    "proposed_sentence": "The 2026 baseline conforming loan limit for a one-unit property is $832,750."
   },
   "expected_status": "pass",
   "group": "rule_sentence_gate",
   "expected_reason_codes": [],
   "note": "baseline cell quoted correctly"
  },
  {
   "rule_id": "frc:rule:fhfa-conforming-loan-limits-2026",
   "source_document_id": "FHFA-2025-11-25",
   "source_url": "https://financeratecalc.com/rules/fhfa-conforming-loan-limits-2026.json",
   "source_vintage": "FHFA news release 2025-11-25",
   "effective_date": "2026-01-01",
   "method_version": "check_claim_contract rule mode v2",
   "tool": "check_claim_contract",
   "unit": null,
   "id": "EV28",
   "title": "conforming baseline, 2025 value",
   "client": "2025",
   "input": {
    "gate": true,
    "passport_id": "frc:rule:fhfa-conforming-loan-limits-2026",
    "proposed_sentence": "The 2026 baseline conforming limit is $806,500."
   },
   "expected_status": "block",
   "group": "rule_sentence_gate",
   "expected_reason_codes": [
    "STALE_VALUE",
    "VALUE_MISMATCH"
   ],
   "note": "$806,500 is the 2025 baseline"
  },
  {
   "rule_id": "frc:rule:cfpb-hoepa-qm-thresholds-2026",
   "source_document_id": "FR-90-2025-22773",
   "source_url": "https://financeratecalc.com/rules/cfpb-hoepa-qm-thresholds-2026.json",
   "source_vintage": "CFPB final rule, 90 FR, docket 2025-22773",
   "effective_date": "2026-01-01",
   "method_version": "check_claim_contract rule mode v2",
   "tool": "check_claim_contract",
   "unit": null,
   "id": "EV29",
   "title": "HOEPA total loan amount threshold, correct",
   "client": "2025",
   "input": {
    "gate": true,
    "passport_id": "frc:rule:cfpb-hoepa-qm-thresholds-2026",
    "proposed_sentence": "For 2026, the HOEPA total loan amount threshold is $27,592."
   },
   "expected_status": "pass",
   "group": "rule_sentence_gate",
   "expected_reason_codes": [],
   "note": "cell quoted correctly with year"
  },
  {
   "rule_id": "frc:rule:cfpb-hoepa-qm-thresholds-2026",
   "source_document_id": "FR-90-2025-22773",
   "source_url": "https://financeratecalc.com/rules/cfpb-hoepa-qm-thresholds-2026.json",
   "source_vintage": "CFPB final rule, 90 FR, docket 2025-22773",
   "effective_date": "2026-01-01",
   "method_version": "check_claim_contract rule mode v2",
   "tool": "check_claim_contract",
   "unit": null,
   "id": "EV30",
   "title": "HOEPA points-and-fees trigger, 2025 value",
   "client": "2025",
   "input": {
    "gate": true,
    "passport_id": "frc:rule:cfpb-hoepa-qm-thresholds-2026",
    "proposed_sentence": "For 2026, the HOEPA points-and-fees trigger is $1,348."
   },
   "expected_status": "block",
   "group": "rule_sentence_gate",
   "expected_reason_codes": [
    "STALE_VALUE",
    "VALUE_MISMATCH"
   ],
   "note": "$1,348 is the 2025 trigger; 2026 is $1,380"
  },
  {
   "rule_id": "frc:rule:va-funding-fee-2023-04-07",
   "source_document_id": "38-USC-3729",
   "source_url": "https://financeratecalc.com/rules/va-funding-fee-2023-04-07.json",
   "source_vintage": "38 U.S.C. 3729 as amended by P.L. 116-23",
   "effective_date": "2023-04-07",
   "method_version": "check_claim_contract rule mode v2",
   "tool": "check_claim_contract",
   "unit": null,
   "id": "EV31",
   "title": "VA funding fee, first use, less than 5% down, correct",
   "client": "2025",
   "input": {
    "gate": true,
    "passport_id": "frc:rule:va-funding-fee-2023-04-07",
    "proposed_sentence": "The VA funding fee for a first-use purchase with less than 5% down is 2.15%."
   },
   "expected_status": "pass",
   "group": "rule_sentence_gate",
   "expected_reason_codes": [],
   "note": "cell resolved from use and down-payment band; the 5% in the band phrase is not read as a fee"
  },
  {
   "rule_id": "frc:rule:va-funding-fee-2023-04-07",
   "source_document_id": "38-USC-3729",
   "source_url": "https://financeratecalc.com/rules/va-funding-fee-2023-04-07.json",
   "source_vintage": "38 U.S.C. 3729 as amended by P.L. 116-23",
   "effective_date": "2023-04-07",
   "method_version": "check_claim_contract rule mode v2",
   "tool": "check_claim_contract",
   "unit": null,
   "id": "EV32",
   "title": "VA funding fee, subsequent use quoted with the first-use rate, plus an approval claim",
   "client": "2025",
   "input": {
    "gate": true,
    "passport_id": "frc:rule:va-funding-fee-2023-04-07",
    "proposed_sentence": "The VA funding fee for subsequent use with 3% down is 2.15%, so you will be approved."
   },
   "expected_status": "block",
   "group": "rule_sentence_gate",
   "expected_reason_codes": [
    "VALUE_MISMATCH",
    "INDIVIDUAL_PREDICTION_PROHIBITED"
   ],
   "note": "subsequent use under 5% down is 3.3%; the fee table says nothing about approval"
  },
  {
   "rule_id": "frc:rule:fha-forward-loan-limits-2026",
   "source_document_id": "HUD-ML-2025-23",
   "source_url": "https://financeratecalc.com/rules/fha-forward-loan-limits-2026.json",
   "source_vintage": "HUD Mortgagee Letter 2025-23",
   "effective_date": "2026-01-01",
   "method_version": "check_claim_contract rule mode v2",
   "tool": "check_claim_contract",
   "unit": null,
   "id": "EV33",
   "title": "loan-limit receipt from the gate verifies; the 2025 ceiling substituted into it does not",
   "client": "2025",
   "input": {
    "verify": true,
    "from_fixture": "EV21",
    "tamper": {
     "1249125usd": "1209750usd"
    }
   },
   "expected_status": "not_current",
   "group": "receipt_integrity",
   "note": "receipts now cover every rule file's cells, not only MIP"
  },
  {
   "rule_id": "frc:rule:fha-forward-loan-limits-2026",
   "source_document_id": "HUD-ML-2025-23",
   "source_url": "https://financeratecalc.com/rules/fha-forward-loan-limits-2026.json",
   "source_vintage": "HUD Mortgagee Letter 2025-23",
   "effective_date": "2026-01-01",
   "method_version": "check_claim_contract rule mode v3 (role binding)",
   "tool": "check_claim_contract",
   "unit": null,
   "id": "EV34",
   "title": "right numbers, roles swapped: ceiling written as floor and floor as ceiling",
   "client": "2025",
   "input": {
    "gate": true,
    "passport_id": "frc:rule:fha-forward-loan-limits-2026",
    "proposed_sentence": "For 2026, the FHA one-unit loan limit floor is $1,249,125 and the high-cost ceiling is $541,287."
   },
   "expected_status": "block",
   "group": "figure_role_binding",
   "expected_reason_codes": [
    "VALUE_MISMATCH"
   ],
   "note": "both figures are in the table; each is bound to the wrong role in its clause. Reported by an external reviewer on 2026-10-12 against 1.27.0, which passed it.",
   "expected_receipt": false
  },
  {
   "rule_id": "frc:rule:cfpb-hoepa-qm-thresholds-2026",
   "source_document_id": "FR-90-2025-22773",
   "source_url": "https://financeratecalc.com/rules/cfpb-hoepa-qm-thresholds-2026.json",
   "source_vintage": "CFPB final rule, 90 FR, docket 2025-22773",
   "effective_date": "2026-01-01",
   "method_version": "check_claim_contract rule mode v3 (role binding)",
   "tool": "check_claim_contract",
   "unit": null,
   "id": "EV35",
   "title": "QM cap: a published percentage attached to the wrong tier",
   "client": "2025",
   "input": {
    "gate": true,
    "passport_id": "frc:rule:cfpb-hoepa-qm-thresholds-2026",
    "proposed_sentence": "For 2026, the QM points-and-fees cap is 5% for loans of $137,958 or more."
   },
   "expected_status": "block",
   "group": "figure_role_binding",
   "expected_reason_codes": [
    "VALUE_MISMATCH"
   ],
   "note": "5% is the cap of the $27,592-$82,775 tier; the >= $137,958 tier is 3%. 1.27.0 passed it because both numbers exist somewhere in the table.",
   "expected_receipt": false
  },
  {
   "rule_id": "frc:rule:hud-ml-2023-05-annual-mip",
   "source_document_id": "HUD-ML-2023-05",
   "source_url": "https://financeratecalc.com/rules/fha-annual-mip-ml-2023-05.json",
   "source_vintage": "HUD Mortgagee Letter 2023-05",
   "effective_date": "2023-03-20",
   "method_version": "check_claim_contract rule mode v3 (role binding)",
   "tool": "check_claim_contract",
   "unit": null,
   "id": "EV36",
   "title": "MIP sentence with no case-number date: no assumed date, no receipt",
   "client": "2025",
   "input": {
    "gate": true,
    "passport_id": "frc:rule:hud-ml-2023-05-annual-mip",
    "proposed_sentence": "A 15-year FHA loan at 85% LTV and $300,000 carries an annual MIP of 0.15%."
   },
   "expected_status": "needs_qualifier",
   "group": "figure_role_binding",
   "expected_reason_codes": [
    "QUALIFIER_DELETED"
   ],
   "note": "1.27.0 silently assumed 2026-01-01; the date qualifier is now required for a pass and the cell is checked against the current table",
   "expected_absent_codes": [
    "VALUE_MISMATCH"
   ],
   "expected_receipt": false
  },
  {
   "rule_id": "frc:rule:va-funding-fee-2023-04-07",
   "source_document_id": "38-USC-3729",
   "source_url": "https://financeratecalc.com/rules/va-funding-fee-2023-04-07.json",
   "source_vintage": "38 U.S.C. 3729 as amended by P.L. 116-23",
   "effective_date": "2023-04-07",
   "method_version": "check_claim_contract rule mode v3 (role binding)",
   "tool": "check_claim_contract",
   "unit": null,
   "id": "EV37",
   "title": "VA fee quoted for a 2020 closing: table not in force",
   "client": "2025",
   "input": {
    "gate": true,
    "passport_id": "frc:rule:va-funding-fee-2023-04-07",
    "proposed_sentence": "For a VA purchase closing in 2020, first use with less than 5% down, the funding fee is 2.15%."
   },
   "expected_status": "block",
   "group": "figure_role_binding",
   "expected_reason_codes": [
    "RULE_NOT_IN_FORCE"
   ],
   "note": "the rate is the current cell, but the stated closing year precedes 2023-04-07",
   "expected_receipt": false
  },
  {
   "rule_id": "frc:rule:hud-ml-2023-05-annual-mip",
   "source_document_id": "HUD-ML-2023-05",
   "source_url": "https://financeratecalc.com/rules/fha-annual-mip-ml-2023-05.json",
   "source_vintage": "HUD Mortgagee Letter 2023-05",
   "effective_date": "2023-03-20",
   "method_version": "check_claim_contract rule mode v3 (role binding)",
   "tool": "check_claim_contract",
   "unit": null,
   "id": "EV38",
   "title": "MIP sentence with a distractor dollar figure: the loan amount is the one bound to 'loan'",
   "client": "2025",
   "input": {
    "gate": true,
    "passport_id": "frc:rule:hud-ml-2023-05-annual-mip",
    "proposed_sentence": "For a case number assigned 2026-02-01, the base loan amount is $300,000 at 85% LTV over 15 years, and the upfront MIP would be about $5,250; the annual MIP is 0.15%."
   },
   "expected_status": "pass",
   "group": "figure_role_binding",
   "expected_reason_codes": [],
   "note": "$5,250 is not the loan amount and is in no table; the cell resolves from $300,000",
   "expected_receipt": true
  },
  {
   "rule_id": "frc:rule:cfpb-hoepa-qm-thresholds-2026",
   "source_document_id": "FR-90-2025-22773",
   "source_url": "https://financeratecalc.com/rules/cfpb-hoepa-qm-thresholds-2026.json",
   "source_vintage": "CFPB final rule, 90 FR, docket 2025-22773",
   "effective_date": "2026-01-01",
   "method_version": "check_claim_contract rule mode v3 (role binding)",
   "tool": "check_claim_contract",
   "unit": null,
   "id": "EV39",
   "title": "HOEPA pair with the two thresholds swapped",
   "client": "2025",
   "input": {
    "gate": true,
    "passport_id": "frc:rule:cfpb-hoepa-qm-thresholds-2026",
    "proposed_sentence": "For 2026, the HOEPA total loan amount threshold is $1,380 and the HOEPA points-and-fees trigger is $27,592."
   },
   "expected_status": "block",
   "group": "figure_role_binding",
   "expected_reason_codes": [
    "VALUE_MISMATCH"
   ],
   "note": "both values published, both bound to the wrong item",
   "expected_receipt": false
  },
  {
   "rule_id": "frc:rule:va-funding-fee-2023-04-07",
   "source_document_id": "38-USC-3729",
   "source_url": "https://financeratecalc.com/rules/va-funding-fee-2023-04-07.json",
   "source_vintage": "38 U.S.C. 3729 as amended by P.L. 116-23",
   "effective_date": "2023-04-07",
   "method_version": "check_claim_contract rule mode v3 (role binding)",
   "tool": "check_claim_contract",
   "unit": null,
   "id": "EV40",
   "title": "VA two cells in one sentence, rates swapped between first and subsequent use",
   "client": "2025",
   "input": {
    "gate": true,
    "passport_id": "frc:rule:va-funding-fee-2023-04-07",
    "proposed_sentence": "For a first-use VA purchase with less than 5% down the fee is 3.3%, and for subsequent use it is 2.15%."
   },
   "expected_status": "block",
   "group": "figure_role_binding",
   "expected_reason_codes": [
    "VALUE_MISMATCH"
   ],
   "note": "each percentage is bound to the use named in its own clause",
   "expected_receipt": false
  },
  {
   "rule_id": "frc:rule:va-funding-fee-2023-04-07",
   "source_document_id": "38-USC-3729",
   "source_url": "https://financeratecalc.com/rules/va-funding-fee-2023-04-07.json",
   "source_vintage": "38 U.S.C. 3729 as amended by P.L. 116-23",
   "effective_date": "2023-04-07",
   "method_version": "check_claim_contract rule mode v3 (role binding)",
   "tool": "check_claim_contract",
   "unit": null,
   "id": "EV41",
   "title": "VA two cells in one sentence, both right",
   "client": "2025",
   "input": {
    "gate": true,
    "passport_id": "frc:rule:va-funding-fee-2023-04-07",
    "proposed_sentence": "For a first-use VA purchase with less than 5% down the fee is 2.15%, and for subsequent use it is 3.3%."
   },
   "expected_status": "pass",
   "group": "figure_role_binding",
   "expected_reason_codes": [],
   "note": "two bound figures, two cells; receipt on the first",
   "expected_receipt": true
  },
  {
   "rule_id": "frc:rule:cfpb-hoepa-qm-thresholds-2026",
   "source_document_id": "FR-90-2025-22773",
   "source_url": "https://financeratecalc.com/rules/cfpb-hoepa-qm-thresholds-2026.json",
   "source_vintage": "CFPB final rule, 90 FR, docket 2025-22773",
   "effective_date": "2026-01-01",
   "method_version": "check_claim_contract rule mode v3 (role binding)",
   "tool": "check_claim_contract",
   "unit": null,
   "id": "EV42",
   "title": "QM dollar cap on the middle tier, right",
   "client": "2025",
   "input": {
    "gate": true,
    "passport_id": "frc:rule:cfpb-hoepa-qm-thresholds-2026",
    "proposed_sentence": "In 2026 the QM points-and-fees cap for loans from $82,775 to less than $137,958 is $4,139."
   },
   "expected_status": "pass",
   "group": "figure_role_binding",
   "expected_reason_codes": [],
   "note": "tier resolved from both bounds; the dollar cap bound to that tier",
   "expected_receipt": true
  },
  {
   "rule_id": "frc:rule:hud-ml-2023-05-annual-mip",
   "source_document_id": "HUD-ML-2023-05",
   "source_url": "https://financeratecalc.com/rules/fha-annual-mip-ml-2023-05.json",
   "source_vintage": "HUD Mortgagee Letter 2023-05",
   "effective_date": "2023-03-20",
   "method_version": "check_claim_contract rule mode v4 (per-claim conditions)",
   "tool": "check_claim_contract",
   "unit": null,
   "id": "EV43",
   "title": "MIP sentence without a date: no receipt anywhere in the result, including safe_wording",
   "client": "2025",
   "input": {
    "gate": true,
    "passport_id": "frc:rule:hud-ml-2023-05-annual-mip",
    "proposed_sentence": "For an FHA forward loan of $300,000 at 85% LTV with a 15-year term, the annual MIP is 0.15%."
   },
   "expected_status": "needs_qualifier",
   "group": "figure_role_binding",
   "expected_reason_codes": [
    "QUALIFIER_DELETED"
   ],
   "note": "1.28.0 kept the top-level rule_receipt empty but the resolver's receipted sentence leaked through safe_wording; the runner now scans the whole result for a receipt glyph",
   "expected_absent_codes": [
    "VALUE_MISMATCH"
   ],
   "expected_receipt": false
  },
  {
   "rule_id": "frc:rule:fha-forward-loan-limits-2026",
   "source_document_id": "HUD-ML-2025-23",
   "source_url": "https://financeratecalc.com/rules/fha-forward-loan-limits-2026.json",
   "source_vintage": "HUD Mortgagee Letter 2025-23",
   "effective_date": "2026-01-01",
   "method_version": "check_claim_contract rule mode v4 (per-claim conditions)",
   "tool": "check_claim_contract",
   "unit": null,
   "id": "EV44",
   "title": "units carried from the first claim into the second: two-unit floor quoted with the one-unit value",
   "client": "2025",
   "input": {
    "gate": true,
    "passport_id": "frc:rule:fha-forward-loan-limits-2026",
    "proposed_sentence": "For 2026, the FHA one-unit floor is $541,287 and the FHA two-unit floor is $541,287."
   },
   "expected_status": "block",
   "group": "figure_role_binding",
   "expected_reason_codes": [
    "VALUE_MISMATCH"
   ],
   "note": "units are read per clause; 1.28.0 used the sentence's first unit mention for both figures and passed",
   "expected_receipt": false
  },
  {
   "rule_id": "frc:rule:fha-forward-loan-limits-2026",
   "source_document_id": "HUD-ML-2025-23",
   "source_url": "https://financeratecalc.com/rules/fha-forward-loan-limits-2026.json",
   "source_vintage": "HUD Mortgagee Letter 2025-23",
   "effective_date": "2026-01-01",
   "method_version": "check_claim_contract rule mode v4 (per-claim conditions)",
   "tool": "check_claim_contract",
   "unit": null,
   "id": "EV45",
   "title": "two unit counts, both floors right",
   "client": "2025",
   "input": {
    "gate": true,
    "passport_id": "frc:rule:fha-forward-loan-limits-2026",
    "proposed_sentence": "For 2026, the FHA one-unit floor is $541,287 and the FHA two-unit floor is $693,050."
   },
   "expected_status": "pass",
   "group": "figure_role_binding",
   "expected_reason_codes": [],
   "note": "mirror of EV44; 1.28.0 blocked this one for the same reason",
   "expected_receipt": true
  },
  {
   "rule_id": "frc:rule:va-funding-fee-2023-04-07",
   "source_document_id": "38-USC-3729",
   "source_url": "https://financeratecalc.com/rules/va-funding-fee-2023-04-07.json",
   "source_vintage": "38 U.S.C. 3729 as amended by P.L. 116-23",
   "effective_date": "2023-04-07",
   "method_version": "check_claim_contract rule mode v4 (per-claim conditions)",
   "tool": "check_claim_contract",
   "unit": null,
   "id": "EV46",
   "title": "down-payment band carried from the first claim: subsequent use with 10% down quoted at 3.3%",
   "client": "2025",
   "input": {
    "gate": true,
    "passport_id": "frc:rule:va-funding-fee-2023-04-07",
    "proposed_sentence": "For a VA purchase closing on 2026-02-01, first-use with 3% down has a 2.15% fee and subsequent use with 10% down has a 3.3% fee."
   },
   "expected_status": "block",
   "group": "figure_role_binding",
   "expected_reason_codes": [
    "VALUE_MISMATCH"
   ],
   "note": "the subsequent-use 10%-or-more cell is 1.25%; 1.28.0 read the band from the sentence's first down figure",
   "expected_receipt": false
  },
  {
   "rule_id": "frc:rule:va-funding-fee-2023-04-07",
   "source_document_id": "38-USC-3729",
   "source_url": "https://financeratecalc.com/rules/va-funding-fee-2023-04-07.json",
   "source_vintage": "38 U.S.C. 3729 as amended by P.L. 116-23",
   "effective_date": "2023-04-07",
   "method_version": "check_claim_contract rule mode v4 (per-claim conditions)",
   "tool": "check_claim_contract",
   "unit": null,
   "id": "EV47",
   "title": "two VA cells with different bands, both right",
   "client": "2025",
   "input": {
    "gate": true,
    "passport_id": "frc:rule:va-funding-fee-2023-04-07",
    "proposed_sentence": "For a VA purchase closing on 2026-02-01, first-use with 3% down has a 2.15% fee and subsequent use with 10% down has a 1.25% fee."
   },
   "expected_status": "pass",
   "group": "figure_role_binding",
   "expected_reason_codes": [],
   "note": "mirror of EV46",
   "expected_receipt": true
  },
  {
   "rule_id": "frc:rule:hud-ml-2023-05-annual-mip",
   "source_document_id": "HUD-ML-2023-05",
   "source_url": "https://financeratecalc.com/rules/fha-annual-mip-ml-2023-05.json",
   "source_vintage": "HUD Mortgagee Letter 2023-05",
   "effective_date": "2023-03-20",
   "method_version": "check_claim_contract rule mode v4 (per-claim conditions)",
   "tool": "check_claim_contract",
   "unit": null,
   "id": "EV48",
   "title": "a right MIP rate followed by a wrong one in the same sentence",
   "client": "2025",
   "input": {
    "gate": true,
    "passport_id": "frc:rule:hud-ml-2023-05-annual-mip",
    "proposed_sentence": "For an FHA forward loan of $300,000 at 85% LTV with a 15-year term and case number assigned on 2026-02-01, the annual MIP is 0.15% and the annual MIP is 0.55%."
   },
   "expected_status": "block",
   "group": "figure_role_binding",
   "expected_reason_codes": [
    "VALUE_MISMATCH"
   ],
   "note": "every rate figure is a claim about the resolved cell; 1.28.0 checked only the first",
   "expected_receipt": false
  },
  {
   "rule_id": "frc:rule:hud-ml-2023-05-annual-mip",
   "source_document_id": "HUD-ML-2023-05",
   "source_url": "https://financeratecalc.com/rules/fha-annual-mip-ml-2023-05.json",
   "source_vintage": "HUD Mortgagee Letter 2023-05",
   "effective_date": "2023-03-20",
   "method_version": "check_claim_contract rule mode v4 (per-claim conditions)",
   "tool": "check_claim_contract",
   "unit": null,
   "id": "EV49",
   "title": "'on or after' with no date is not a date qualifier",
   "client": "2025",
   "input": {
    "gate": true,
    "passport_id": "frc:rule:hud-ml-2023-05-annual-mip",
    "proposed_sentence": "For an FHA forward loan of $300,000 at 85% LTV with a 15-year term and a case number assigned on or after the rule date, the annual MIP is 0.15%."
   },
   "expected_status": "needs_qualifier",
   "group": "figure_role_binding",
   "expected_reason_codes": [
    "QUALIFIER_DELETED"
   ],
   "note": "1.28.0 accepted the bare phrase",
   "expected_absent_codes": [
    "VALUE_MISMATCH"
   ],
   "expected_receipt": false
  },
  {
   "rule_id": "frc:rule:fha-forward-loan-limits-2026",
   "source_document_id": "HUD-ML-2025-23",
   "source_url": "https://financeratecalc.com/rules/fha-forward-loan-limits-2026.json",
   "source_vintage": "HUD Mortgagee Letter 2025-23",
   "effective_date": "2026-01-01",
   "method_version": "check_claim_contract rule mode v5 (claim year vs source year; one role per clause)",
   "tool": "check_claim_contract",
   "unit": null,
   "id": "EV50",
   "title": "claim dated 2025, source dated 2026: the source year does not satisfy the claim's period",
   "client": "2025",
   "input": {
    "gate": true,
    "passport_id": "frc:rule:fha-forward-loan-limits-2026",
    "proposed_sentence": "For 2025, the FHA one-unit loan limit floor is $541,287 according to a 2026 summary."
   },
   "expected_status": "block",
   "group": "figure_role_binding",
   "expected_reason_codes": [
    "PERIOD_MISMATCH"
   ],
   "note": "1.29.0 passed because 2026 appeared somewhere in the sentence; claim years ('for 2025') and source years ('a 2026 summary') are now read separately",
   "expected_receipt": false
  },
  {
   "rule_id": "frc:rule:fha-forward-loan-limits-2026",
   "source_document_id": "HUD-ML-2025-23",
   "source_url": "https://financeratecalc.com/rules/fha-forward-loan-limits-2026.json",
   "source_vintage": "HUD Mortgagee Letter 2025-23",
   "effective_date": "2026-01-01",
   "method_version": "check_claim_contract rule mode v5 (claim year vs source year; one role per clause)",
   "tool": "check_claim_contract",
   "unit": null,
   "id": "EV51",
   "title": "two roles in one clause: 'the floor equals the ceiling at $541,287'",
   "client": "2025",
   "input": {
    "gate": true,
    "passport_id": "frc:rule:fha-forward-loan-limits-2026",
    "proposed_sentence": "For 2026, the FHA one-unit floor equals the ceiling at $541,287."
   },
   "expected_status": "needs_qualifier",
   "group": "figure_role_binding",
   "expected_reason_codes": [
    "QUALIFIER_DELETED"
   ],
   "note": "declared scope is one role per clause; a clause naming both is ambiguous, not verified, no receipt. 1.29.0 bound the figure to the first role and passed.",
   "expected_absent_codes": [
    "VALUE_MISMATCH"
   ],
   "expected_receipt": false
  },
  {
   "rule_id": "frc:rule:fha-forward-loan-limits-2026",
   "source_document_id": "HUD-ML-2025-23",
   "source_url": "https://financeratecalc.com/rules/fha-forward-loan-limits-2026.json",
   "source_vintage": "HUD Mortgagee Letter 2025-23",
   "effective_date": "2026-01-01",
   "method_version": "check_claim_contract rule mode v5 (claim year vs source year; one role per clause)",
   "tool": "check_claim_contract",
   "unit": null,
   "id": "EV52",
   "title": "only a source year, no claim period",
   "client": "2025",
   "input": {
    "gate": true,
    "passport_id": "frc:rule:fha-forward-loan-limits-2026",
    "proposed_sentence": "The FHA one-unit floor is $541,287 according to a 2026 summary."
   },
   "expected_status": "needs_qualifier",
   "group": "figure_role_binding",
   "expected_reason_codes": [
    "QUALIFIER_DELETED"
   ],
   "note": "the document's year is not the claim's period",
   "expected_absent_codes": [
    "PERIOD_MISMATCH",
    "VALUE_MISMATCH"
   ],
   "expected_receipt": false
  },
  {
   "rule_id": "frc:rule:fha-forward-loan-limits-2026",
   "source_document_id": "HUD-ML-2025-23",
   "source_url": "https://financeratecalc.com/rules/fha-forward-loan-limits-2026.json",
   "source_vintage": "HUD Mortgagee Letter 2025-23",
   "effective_date": "2026-01-01",
   "method_version": "check_claim_contract rule mode v5 (claim year vs source year; one role per clause)",
   "tool": "check_claim_contract",
   "unit": null,
   "id": "EV53",
   "title": "claim year right, source year different (the letter is from 2025): pass",
   "client": "2025",
   "input": {
    "gate": true,
    "passport_id": "frc:rule:fha-forward-loan-limits-2026",
    "proposed_sentence": "For 2026, the FHA one-unit floor is $541,287 according to HUD's 2025 letter."
   },
   "expected_status": "pass",
   "group": "figure_role_binding",
   "expected_reason_codes": [],
   "note": "mirror of EV50: a different source year must not trip the period check",
   "expected_receipt": true
  }
 ]
}