{
  "$schema": "https://aigovernanceengineer.com/schemas/test-report.v1.json",
  "report_id": "tr-credit-afford-03-3.2.0",
  "test_plan": "tp-credit-afford-03-3.2",
  "subject": "credit-afford-03@3.2.0",
  "period": {
    "from": "2026-07-06",
    "to": "2026-08-14"
  },
  "environment": "CI and shadow in production",
  "results": [
    {
      "suite_id": "auc-holdout-2025.v1",
      "model_version": "credit-afford-03@3.2.0",
      "score": 0.803,
      "threshold": 0.78,
      "result": "pass",
      "timestamp": "2026-07-06T11:02:00Z"
    },
    {
      "suite_id": "fairness-age-bands.v2",
      "model_version": "credit-afford-03@3.2.0",
      "score": 0.86,
      "threshold": 0.8,
      "result": "pass",
      "timestamp": "2026-07-06T11:09:00Z"
    },
    {
      "suite_id": "reason-codes.v1",
      "model_version": "credit-afford-03@3.2.0",
      "score": 1,
      "threshold": 1,
      "result": "pass",
      "timestamp": "2026-07-06T11:12:00Z"
    },
    {
      "suite_id": "hitl-routing.v1",
      "model_version": "credit-afford-03@3.2.0",
      "score": 0,
      "threshold": 0,
      "result": "pass",
      "timestamp": "2026-08-14T17:00:00Z"
    }
  ],
  "summary": {
    "passed": 4,
    "failed": 0,
    "waived": 0
  },
  "deviations": [],
  "open_issues": [
    "Performance for self-employed applicants under 12 months of history not established; documented as a limitation."
  ],
  "conclusion": "meets_exit_criteria",
  "signed_off": {
    "role": "model-validation-lead",
    "decision": "approve",
    "timestamp": "2026-08-17T09:30:00Z",
    "signature": "ed25519:Zt4mK8pQ1sV6wX9yA2bD5eG7hJ0kL3nR"
  },
  "evidence": [
    "https://ci.example.org/runs/81002",
    "https://evidence.example.org/shadow/credit-afford-03/2026-08"
  ]
}