{
  "packVersion": "2026.07.0",
  "jurisdiction": "US",
  "verifiedDate": "2026-07-31",
  "status": "verified",
  "source": {
    "label": "Federal Reserve — Consumer Credit G.19 (current release)",
    "url": "https://www.federalreserve.gov/releases/g19/current/"
  },
  "note": "Commercial-bank credit card plan rates from the Federal Reserve's G.19 Consumer Credit release. Used only for context copy and placeholder defaults — every calculation uses the APR the visitor types. G.19 figures are revised; re-verify each release before bumping.",
  "period": "May 2026",
  "avgAprAllAccounts": 20.94,
  "avgAprAssessedInterest": 22.15
}