{
  "packVersion": "2026.07.1",
  "entries": [
    {
      "date": "2026-07-31",
      "summary": "Full formula registry for the payoff wing: fixed-payment amortization (CFPB 1943), snowball and avalanche ordering (CFPB debt-reduction guidance), balance-transfer fee math (CFPB 53), the deferred-interest retroactive charge (CFPB 40), and credit utilization (CFPB 318).",
      "packs": ["formulas.json"]
    },
    {
      "date": "2026-07-31",
      "summary": "Initial data packs: monthly-interest and minimum-payment formulas (CFPB), issuer minimum-payment conventions (CFPB December 2025 market report), and reference card APRs (Federal Reserve G.19, May 2026).",
      "packs": ["formulas.json", "min-payment-conventions.json", "card-apr.json"]
    }
  ]
}