{
  "tool_id": "art-05-eu-ai-act-credit-scoring-conformity",
  "note": "golden_hash empty until first `node golden-parity.test.mjs --update`.",
  "vectors": [
    {
      "name": "default-inputs",
      "policy_parameters": {},
      "output_payload": {
        "determination": "WARN",
        "bias_results": [],
        "data_governance_score_pct": 0,
        "art_checklist_score_pct": 0,
        "failing_dimensions": [],
        "applicable_deadline": "2027-12-02",
        "applicable_deadline_note": "EU AI Act Annex III Part 5(b) — credit-scoring high-risk obligations fully apply 2 December 2027, per the Digital Omnibus amendments (Parliament final approval, June 2026)",
        "regulatory_framework": "EU AI Act (Regulation (EU) 2024/1689) — Annex III Part 5(b)"
      },
      "golden_hash": "9f0307b1fea96b4df645f423257bf6b740c62fcbb184271276a6b53b20c19f0d"
    }
  ]
}