{
  "items": [
    {
      "requirement_id": "R1",
      "category": "fairness",
      "status": "resolved",
      "verification": "judgment",
      "resolution": null,
      "reason": null,
      "statement": "MUST NOT use protected attributes (race, gender, age, national origin) or their proxies (zip code, name) in the loan decision or rate"
    },
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      "requirement_id": "R1",
      "category": "privacy",
      "status": "resolved",
      "verification": "test",
      "resolution": null,
      "reason": null,
      "statement": "MUST NOT store raw PII / financial secrets (SSN, full account or card numbers) in plaintext in the audit log"
    },
    {
      "requirement_id": "R1",
      "category": "transparency",
      "status": "resolved",
      "verification": "judgment",
      "resolution": null,
      "reason": null,
      "statement": "MUST NOT mislead or omit the true rate/APR/terms in the explanation; an adverse decision must state the real principal reason (adverse-action)"
    }
  ],
  "coverage": { "applicable": 3, "resolved": 3, "unresolved": 0, "byVerification": { "test": 1, "judgment": 2 } }
}