{
  "id": "018f9a1e-6d4c-7a3b-9f52-0c1d2e3f4a60",
  "rules": [
    {
      "code": "DTI_MAX",
      "name": "Debt-to-income within limit",
      "description": "Debt-to-income ratio must not exceed 0.45 for unsecured lending.",
      "rule_type": "threshold",
      "condition": {
        "field": "dti",
        "max": 0.45
      },
      "severity": "high",
      "is_active": true
    },
    {
      "code": "EMPLOYMENT_MIN",
      "name": "Minimum employment history",
      "description": "Applicant must have at least 6 months of continuous employment.",
      "rule_type": "threshold",
      "condition": {
        "field": "months_employed",
        "min": 6
      },
      "severity": "medium",
      "is_active": true
    },
    {
      "code": "LOAN_AMOUNT_MAX",
      "name": "Maximum unsecured principal",
      "description": "Requested principal must not exceed the unsecured ceiling.",
      "rule_type": "threshold",
      "condition": {
        "field": "requested_amount",
        "max": 50000
      },
      "severity": "medium",
      "is_active": true
    }
  ],
  "policy_versions": [
    {
      "policy_id": "018f9a1e-6d4c-7a3b-9f52-0c1d2e3f4a61",
      "version": 3
    }
  ],
  "created_at": "2026-07-01T00:00:00.000Z"
}