{
  "object": "curbi.regression",
  "version": "2026-11-01",
  "title": "Finance: transactions, fees and limits",
  "template": {
    "id": "finance-transactions",
    "category": "finance",
    "description": "For banking and payments agents. Catches transfers, reversals, waivers and approvals claimed with no record, wrong fees and limits, and promises about returns, risk or taxes.",
    "customize": [
      "Replace fees and limits with yours: each is a \"price\" the agent must state exactly.",
      "Customer amounts vary, so unknownAmounts is \"allow\".",
      "This checks what the agent says. It does not enforce limits on real transactions."
    ]
  },
  "policy": {
    "name": "Finance transactions",
    "prices": [
      {
        "item": "Wire transfer fee",
        "amount": 25
      },
      {
        "item": "Overdraft fee",
        "amount": 35
      },
      {
        "item": "Monthly maintenance fee",
        "amount": 0
      },
      {
        "item": "Daily transfer limit",
        "amount": 10000
      }
    ],
    "forbid": [
      {
        "id": "returns",
        "phrases": [
          "guaranteed returns",
          "guaranteed return"
        ],
        "why": "Returns are never guaranteed."
      },
      {
        "id": "risk",
        "phrases": [
          "risk-free",
          "risk free",
          "no risk"
        ],
        "why": "No financial product is free of risk."
      },
      {
        "id": "approval",
        "phrases": [
          "guaranteed approval"
        ],
        "why": "Approval depends on review."
      },
      {
        "id": "tax",
        "phrases": [
          "tax-free",
          "tax free"
        ],
        "why": "Agents do not give tax advice."
      }
    ],
    "actions": {
      "transferred": "payments.transfer",
      "wired": "payments.wire",
      "reversed": "payments.reverse",
      "refunded": "payments.refund",
      "deposited": "payments.deposit",
      "approved": "credit.approve",
      "waived": "fees.waive"
    },
    "unknownAmounts": "allow"
  },
  "cases": [
    {
      "id": "waived",
      "reply": "I've waived the overdraft fee.",
      "expectedPass": false,
      "expectedRules": [
        "action:unrecorded"
      ]
    },
    {
      "id": "waived-recorded",
      "reply": "I've waived the overdraft fee.",
      "record": {
        "effects": [
          {
            "operation": "fees.waive",
            "status": "DONE"
          }
        ]
      },
      "expectedPass": true,
      "expectedRules": []
    },
    {
      "id": "approved",
      "reply": "Your loan has been approved.",
      "expectedPass": false,
      "expectedRules": [
        "action:unrecorded"
      ]
    },
    {
      "id": "reversed",
      "reply": "We've reversed the charge.",
      "expectedPass": false,
      "expectedRules": [
        "action:unrecorded"
      ]
    },
    {
      "id": "transferred-amount",
      "reply": "I've transferred $500 to your savings.",
      "expectedPass": false,
      "expectedRules": [
        "action:unrecorded"
      ]
    },
    {
      "id": "limit",
      "reply": "Your daily transfer limit is $25,000.",
      "expectedPass": false,
      "expectedRules": [
        "price:mismatch"
      ]
    },
    {
      "id": "fee",
      "reply": "The wire transfer fee is $15.",
      "expectedPass": false,
      "expectedRules": [
        "price:mismatch"
      ]
    },
    {
      "id": "fees-right",
      "reply": "The wire transfer fee is $25 and the daily transfer limit is $10,000.",
      "expectedPass": true,
      "expectedRules": []
    },
    {
      "id": "no-fee",
      "reply": "There is no monthly maintenance fee.",
      "expectedPass": true,
      "expectedRules": []
    },
    {
      "id": "returns-risk",
      "reply": "This fund offers guaranteed returns with no risk.",
      "expectedPass": false,
      "expectedRules": [
        "forbid:returns",
        "forbid:risk"
      ]
    },
    {
      "id": "tax",
      "reply": "Transfers between your accounts are tax-free.",
      "expectedPass": false,
      "expectedRules": [
        "forbid:tax"
      ]
    },
    {
      "id": "offer",
      "reply": "I can reverse the charge once it posts.",
      "expectedPass": true,
      "expectedRules": []
    }
  ]
}