{
  "meta": {
    "generatedAt": "2026-01-09T00:00:00.000Z",
    "count": 1,
    "permalink": "/standards/laws",
    "release": {
      "id": "2026.01",
      "label": "2026.01",
      "date": "2026-01-09",
      "permalink": "/api"
    }
  },
  "policies": [
    {
      "schema_version": "1.0.0",
      "policy_id": "POL-FRAUD-HOLD-3.2",
      "version": "3.2.0",
      "title": "Suspected account takeover: temporary hold rules",
      "provenance": {
        "author": "Fraud Policy Committee",
        "adopted_at": "2026-02-15T00:00:00Z",
        "evidence_refs": [
          "EVID-BACKTEST-2025Q4",
          "EVID-INCIDENT-REVIEW-2025-11"
        ]
      },
      "assumptions": [
        "Account-takeover attempts present the same velocity signature as in the Q4 2025 backtest.",
        "A temporary hold is reversible within the remedy clock without loss to the customer.",
        "Vulnerable-account flags are maintained by the Customer Care desk within 24 hours."
      ],
      "review_triggers": [
        {
          "trigger_id": "TRG-FPR-30D",
          "kind": "evidence_threshold",
          "condition": "false_positive_hold_rate_30d > 0.02",
          "action": "review_required"
        },
        {
          "trigger_id": "TRG-ELAPSED-180D",
          "kind": "elapsed_time",
          "condition": "180 days since adopted_at without re-adoption",
          "action": "review_required"
        },
        {
          "trigger_id": "TRG-INCIDENT-VULN",
          "kind": "incident_class",
          "condition": "any hold placed on an account flagged vulnerable",
          "action": "suspend"
        },
        {
          "trigger_id": "TRG-DEP-EXPOSURE",
          "kind": "dependency_threshold",
          "condition": "dependency exposure_score > 5000",
          "action": "review_required"
        },
        {
          "trigger_id": "TRG-CHALLENGES-30D",
          "kind": "challenge_volume",
          "condition": "more than 5 challenges decided against the system in 30 days",
          "action": "suspend"
        }
      ],
      "expires_at": "2027-02-15T00:00:00Z",
      "status": "active",
      "supersedes": "POL-FRAUD-HOLD-3.1"
    }
  ]
}