[
  {
    "program_code": "CONF30",
    "field_name": "annual_income",
    "operator": "gte",
    "threshold": 90000,
    "min_confidence": 0.8,
    "exception_allowed": false
  },
  {
    "program_code": "CONF30",
    "field_name": "credit_score",
    "operator": "gte",
    "threshold": 700,
    "min_confidence": 0.85,
    "exception_allowed": true
  },
  {
    "program_code": "CONF30",
    "field_name": "loan_to_value",
    "operator": "lte",
    "threshold": 80,
    "min_confidence": 0.8,
    "exception_allowed": true
  },
  {
    "program_code": "CONF30",
    "field_name": "months_reserves",
    "operator": "gte",
    "threshold": 2,
    "min_confidence": 0.75,
    "exception_allowed": false
  },
  {
    "program_code": "CONF30",
    "field_name": "appraised_value",
    "operator": "exists",
    "threshold": null,
    "min_confidence": 0.7,
    "exception_allowed": false
  },
  {
    "program_code": "JUMBO15",
    "field_name": "annual_income",
    "operator": "gte",
    "threshold": 150000,
    "min_confidence": 0.85,
    "exception_allowed": false
  },
  {
    "program_code": "JUMBO15",
    "field_name": "credit_score",
    "operator": "gte",
    "threshold": 700,
    "min_confidence": 0.9,
    "exception_allowed": true
  },
  {
    "program_code": "JUMBO15",
    "field_name": "loan_to_value",
    "operator": "lte",
    "threshold": 70,
    "min_confidence": 0.85,
    "exception_allowed": false
  },
  {
    "program_code": "JUMBO15",
    "field_name": "months_reserves",
    "operator": "gte",
    "threshold": 12,
    "min_confidence": 0.8,
    "exception_allowed": true
  },
  {
    "program_code": "JUMBO15",
    "field_name": "appraised_value",
    "operator": "exists",
    "threshold": null,
    "min_confidence": 0.75,
    "exception_allowed": false
  }
]