{
  "generated": "2026-10-11T15:25:52.977070",
  "data_source": "CFPB Consumer Complaint Database (public federal data)",
  "license": "CC BY 4.0",
  "methodology": "financeratecalc.com/ofi-methodology.html",
  "ofi": {
    "ofi": 47,
    "delta": 0,
    "signal_count": 0,
    "source": "baseline"
  },
  "classification": {
    "OVERLAY": 0,
    "AGENCY_RULE": 0
  },
  "friction_map": {},
  "active_alerts": []
}