{
  "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"
    }
  },
  "registers": [
    {
      "schema_version": "1.0.0",
      "register_id": "REG-ACCOUNT-HOLDS-1",
      "system_ref": "agent-risk-ops-v2",
      "decision_classes": [
        {
          "decision_class": "account_hold",
          "who_may_challenge": [
            "affected_party",
            "corrective_labor",
            "representative",
            "oversight"
          ],
          "what_may_be_challenged": [
            "decision",
            "grant"
          ],
          "admissible_evidence": [
            "identity_verification",
            "transaction_context",
            "vulnerability_flag",
            "analyst_note"
          ],
          "responder": {
            "name": "Risk Steward on call",
            "role": "Risk Steward",
            "contact": "risk-steward@example.org"
          },
          "response_deadline": "PT48H",
          "standard_of_review": "Would a tier-2 analyst with the same evidence have placed the hold, and does the grant's population scope still cover the account?",
          "possible_state_transitions": [
            "stand",
            "narrow",
            "suspend",
            "reverse",
            "correct"
          ]
        },
        {
          "decision_class": "hold_policy",
          "who_may_challenge": [
            "corrective_labor",
            "oversight"
          ],
          "what_may_be_challenged": [
            "policy"
          ],
          "admissible_evidence": [
            "backtest",
            "incident_review",
            "challenge_statistics"
          ],
          "responder": {
            "name": "Fraud Policy Committee",
            "role": "Policy owner",
            "contact": "fraud-policy@example.org"
          },
          "response_deadline": "P14D",
          "standard_of_review": "Do the policy's assumptions still hold on current evidence?",
          "possible_state_transitions": [
            "stand",
            "narrow",
            "suspend",
            "correct"
          ]
        }
      ],
      "challenges": [
        {
          "schema_version": "1.0.0",
          "challenge_id": "CHL-2026-0088",
          "register_ref": "REG-ACCOUNT-HOLDS-1",
          "decision_class": "account_hold",
          "subject": {
            "kind": "grant",
            "ref": "GRANT-2026-0142"
          },
          "challenger": {
            "standing_basis": "affected_party",
            "id": "acct-7731-representative"
          },
          "opened_at": "2026-06-10T14:20:00Z",
          "evidence": [
            {
              "type": "vulnerability_flag",
              "href": "https://cases.example.org/acct-7731/vulnerability-flag",
              "description": "Account was flagged vulnerable on 2026-06-08, two days before the hold."
            },
            {
              "type": "transaction_context",
              "href": "https://cases.example.org/acct-7731/transactions",
              "description": "The flagged transfers were scheduled care payments."
            }
          ],
          "responder": {
            "name": "Risk Steward on call",
            "role": "Risk Steward",
            "contact": "risk-steward@example.org"
          },
          "deadline": "2026-06-12T14:20:00Z",
          "status": "decided",
          "reconsideration_ref": "REC-2026-0019",
          "outcome": {
            "transition": "narrow",
            "reason": "The grant's population scope did not exclude vulnerable accounts; the hold was released and the grant narrowed.",
            "decided_at": "2026-06-18T16:30:00Z"
          }
        }
      ],
      "reconsiderations": [
        {
          "schema_version": "1.0.0",
          "reconsideration_id": "REC-2026-0019",
          "trigger": {
            "kind": "challenge",
            "ref": "CHL-2026-0088"
          },
          "subject": {
            "kind": "grant",
            "ref": "GRANT-2026-0142"
          },
          "opened_at": "2026-06-11T10:00:00Z",
          "decided_at": "2026-06-18T16:30:00Z",
          "outcome": "narrow",
          "evidence_delta": "At issue the grant assumed vulnerable-account flags were current within 24 hours and that the population scope excluded them by convention. The challenge showed the scope never stated the exclusion and the flag had been set 48 hours before the hold. The false-positive rate on flagged accounts was 11% against a 2% assumption.",
          "decided_by": "Risk Governance Board",
          "resulting_refs": [
            "GRANT-2026-0142",
            "DR-2026-0142-0931"
          ]
        }
      ]
    }
  ]
}