{
  "report_slug": "financial-fraud-by-state-2026",
  "version": "1.2",
  "generated": "2026-08-27",
  "status": "pass",
  "checks": [
    {
      "id": "QC01",
      "name": "51-jurisdiction row count",
      "passed": true,
      "observed": 51,
      "expected": 51
    },
    {
      "id": "QC02",
      "name": "50 states plus D.C.",
      "passed": true,
      "observed": "50 states plus D.C.",
      "expected": "50 states plus D.C."
    },
    {
      "id": "QC03",
      "name": "No duplicate jurisdiction abbreviations",
      "passed": true,
      "observed": 51,
      "expected": 51
    },
    {
      "id": "QC04",
      "name": "No missing publication fields",
      "passed": true,
      "observed": 0,
      "expected": 0
    },
    {
      "id": "QC05",
      "name": "D.C. excluded from 50-state ranks",
      "passed": true,
      "observed": "all D.C. rank fields null",
      "expected": "all D.C. rank fields null"
    },
    {
      "id": "QC06",
      "name": "Cryptocurrency descriptor aggregation warning",
      "passed": true,
      "status": "warning",
      "observed": [
        {
          "postal_abbreviation": "OR",
          "overall_state_loss": 193196479,
          "cryptocurrency_descriptor_loss": 545938510
        }
      ],
      "expected": "Preserve official tables, do not calculate a mutually exclusive share, and disclose the source inconsistency"
    },
    {
      "id": "QC07",
      "name": "Five-state manual rate recomputation",
      "passed": true,
      "observed": [
        {
          "postal_abbreviation": "AK",
          "complaint_rate_difference": 0.0,
          "loss_rate_difference": 0.0,
          "passed": true
        },
        {
          "postal_abbreviation": "AZ",
          "complaint_rate_difference": 0.0,
          "loss_rate_difference": 0.0,
          "passed": true
        },
        {
          "postal_abbreviation": "CA",
          "complaint_rate_difference": 0.0,
          "loss_rate_difference": 0.0,
          "passed": true
        },
        {
          "postal_abbreviation": "NY",
          "complaint_rate_difference": 0.0,
          "loss_rate_difference": 0.0,
          "passed": true
        },
        {
          "postal_abbreviation": "WY",
          "complaint_rate_difference": 0.0,
          "loss_rate_difference": 0.0,
          "passed": true
        }
      ],
      "expected": "zero material difference"
    },
    {
      "id": "QC08",
      "name": "Exposure groups cover all 50 states",
      "passed": true,
      "observed": {
        "Higher frequency, higher severity": 13,
        "Higher frequency, lower severity": 12,
        "Lower frequency, higher severity": 12,
        "Lower frequency, lower severity": 13
      },
      "expected": 50
    },
    {
      "id": "QC09",
      "name": "FTC and IC3 totals not combined",
      "passed": true,
      "observed": "FTC appears only in source context; no combined total field exists",
      "expected": "no combined total"
    },
    {
      "id": "QC10",
      "name": "Cryptocurrency and Investment totals not combined",
      "passed": true,
      "observed": "separate descriptor and category series",
      "expected": "separate measures"
    },
    {
      "id": "QC11",
      "name": "External reviewer approval not claimed",
      "passed": true,
      "observed": "review status explicitly says no external approval is claimed",
      "expected": "no unsupported reviewer claim"
    },
    {
      "id": "QC12",
      "name": "Statistical sensitivity package present",
      "passed": true,
      "observed": 4,
      "expected": 4
    }
  ],
  "statistical_validation": {
    "complaints_per_100k_2025": {
      "pearson_r": 0.4795106830309045,
      "spearman_rho": 0.5207683073229292,
      "spearman_bootstrap_95_ci": [
        0.26632477507063645,
        0.7086099563699698
      ],
      "bootstrap_samples": 10000,
      "leave_one_out_pearson_range": [
        0.4488730103477896,
        0.5322345893624483
      ],
      "jurisdictions": 50,
      "district_of_columbia_excluded": true,
      "interpretation": "Descriptive state-level association only; not causal or individual-level evidence."
    },
    "reported_loss_per_100k_2025_usd": {
      "pearson_r": 0.6336466233358471,
      "spearman_rho": 0.7446338535414165,
      "spearman_bootstrap_95_ci": [
        0.576507646436472,
        0.8494430599634226
      ],
      "bootstrap_samples": 10000,
      "leave_one_out_pearson_range": [
        0.6091698613160769,
        0.6878314506184824
      ],
      "jurisdictions": 50,
      "district_of_columbia_excluded": true,
      "interpretation": "Descriptive state-level association only; not causal or individual-level evidence."
    },
    "average_reported_loss_per_complaint_2025_usd": {
      "pearson_r": 0.45958753442407957,
      "spearman_rho": 0.4871548619447779,
      "spearman_bootstrap_95_ci": [
        0.21589959045461007,
        0.7067210624780553
      ],
      "bootstrap_samples": 10000,
      "leave_one_out_pearson_range": [
        0.39967216160718877,
        0.5127171125459029
      ],
      "jurisdictions": 50,
      "district_of_columbia_excluded": true,
      "interpretation": "Descriptive state-level association only; not causal or individual-level evidence."
    },
    "crypto_reported_loss_per_100k_2025_usd": {
      "pearson_r": 0.4106767752873592,
      "spearman_rho": 0.6994957983193277,
      "spearman_bootstrap_95_ci": [
        0.5062478503772793,
        0.83841629669331
      ],
      "bootstrap_samples": 10000,
      "leave_one_out_pearson_range": [
        0.3788747710067037,
        0.6012863399611792
      ],
      "jurisdictions": 50,
      "district_of_columbia_excluded": true,
      "interpretation": "Descriptive state-level association only; not causal or individual-level evidence."
    }
  },
  "software": {
    "python": "3.12.13",
    "implementation": "CPython",
    "pillow": "12.3.0",
    "script": "build_analysis.py"
  },
  "review_status": "Automated validation passed. No external fraud, payments, cybersecurity or legal reviewer approval is claimed."
}