{"purpose":"Everything an independent auditor needs to test the platform's integrity claims. Read access to the named collections is granted on request via /press.","claims_to_test":["Every displayed figure equals its named source at the recorded pull time (spot-check via 'View official source' links and reproduce steps).","No billing code path writes to any record collection (collection ownership + import scan + firewall).","Score changes occur only when a public input or the published formula version changes (score_changes vs covenant_scores history).","Corrections log is append-only and hash-chained; no entry altered after capture (compare with Internet Archive copies)."],"collections":{"records (written only by source pulls)":["watchdog_snapshots","covenant_scores","score_changes","ledger","carrier_cache","carrier_history","registry_snapshots","public_record_cache"],"corrections desk":["corrections","corrections_log"],"firewall":["firewall_events"],"third-party copies":["archive_snapshots"],"billing (never read by scoring code)":["sponsors","carrier_watchlists","carrier_subscriptions","payment_transactions","covenant_reports"]},"document_counts":{"watchdog_snapshots":384,"covenant_scores":101,"score_changes":7,"ledger":0,"carrier_cache":34,"carrier_history":6,"registry_snapshots":210,"public_record_cache":802,"corrections":5,"corrections_log":10,"firewall_events":0,"archive_snapshots":2,"sponsors":0,"carrier_watchlists":0,"carrier_subscriptions":0,"payment_transactions":47,"covenant_reports":0},"formula":{"current_version":"2026-09-14c","methodology":{"start":"Every company starts at 100 points.","components":[{"name":"Federal complaint trend vs market (CFPB)","rule":"The company's 12-month change in complaints minus the change in ALL CFPB complaints over the same window. ≤ −10 points below market +3 · within ±10 of market 0 · +10 to +25 above −5 · +25 to +50 above −10 · more than +50 above −15. Scored only at ≥20 complaints/yr. Raw counts are NOT scored because they scale with company size; measuring against the market removes industry-wide surges."},{"name":"Relief rate vs market (CFPB)","rule":"Share of the company's closed complaints that ended with monetary or non-monetary relief, minus the same share for all CFPB complaints. ≥ +10 points above market +5 · within −5 to +10 0 · −5 to −15 below −5 · more than −15 below −10. A rate, so it does not scale with size."},{"name":"Missed 15-day response window (CFPB)","rule":"Share of complaints the company answered after the CFPB's 15-day window. ≥ 5% late −5 · ≥ 3× the market rate (min 1%) −2 · otherwise 0."},{"name":"Product safety recalls (FDA food + CPSC, last 24 months)","rule":"−5 per matched recall, capped at −15"},{"name":"Federal court records","rule":"Shown as context, NEVER scored — litigation volume scales with size and cases are not verdicts"},{"name":"FDIC insurance (banks)","rule":"Active FDIC-insured +2"}],"inputs_rule":"Only official government records are scored. Private or vendor checks (website security, reviews, news) are never inputs.","grades":"A ≥ 90 · B ≥ 80 · C ≥ 70 · D ≥ 60 · F < 60","governance":"The formula is changed only by a dated, published version. Every version is listed below with what changed and why; all companies are re-scored on the new version at once. No version is ever applied to one company and not another, and no change is made for or at the request of any company.","versions":[{"version":"2026-09-14c","date":"2026-09-14","change":"Added two size-neutral rate components: relief rate vs market and missed 15-day response window.","why":"Trend alone, once market-adjusted, did not separate companies that resolve complaints from those that only explain them."},{"version":"2026-09-14b","date":"2026-09-14","change":"Complaint trend is now measured against the change in ALL CFPB complaints over the same window, with graded penalties, instead of a flat −15 for any increase.","why":"A flat penalty treated a company rising with an industry-wide surge the same as one rising alone; the penalty was flat while the signal was not."},{"version":"2026-09-14","date":"2026-09-14","change":"Removed the passive website-security check as a score input.","why":"It was the only input not drawn from a government record."},{"version":"2026-06","date":"2026-06-01","change":"Original formula: CFPB trend (flat ±), recalls, security posture, FDIC, courts as context.","why":"Launch."}],"firewall":"The formula is published, machine-computed from official records, and is never altered, delayed, or withheld for any client, prospect, or payment.","caveats":["Complaints, cases and recalls are official filings, not adjudicated wrongdoing.","The score reflects public-record signals only — it is not financial, legal or safety advice."]}},"endpoints":["/api/public/conflicts","/api/public/verification","/api/public/code","/api/corrections","/api/score?company=","/api/score/changes?company=","/api/record/company?q=","/api/carriers/{usdot}/history"],"generated_at":"2026-09-24T04:00:42.962651+00:00"}