{
  "schemaVersion": 1,
  "citationVersion": "personal-loan-funded-cost-citation@2026-09-05.v2-candidate",
  "datasetVersion": "personal-loan-funded-cost@2026-09-05.collection.3",
  "stateComparisonVersion": "personal-loan-state-comparison@2026-09-05.v1",
  "status": "published-working-report-publisher-review-pending",
  "title": "The loan amount is not always the cash you receive: Personal Loan Funded Cost Index",
  "creator": "Rung Research",
  "publisher": "Rung Financial",
  "reviewer": null,
  "reviewType": "publisher review; not independent expert review",
  "assignedPublisher": "Colin McCracken",
  "reviewDate": null,
  "snapshotDate": "2026-09-05",
  "protocolVersion": "0.4",
  "canonicalUrl": "https://rungfinancial.com/research/personal-loan-fee-and-proceeds-ledger/",
  "suggestedCitation": "Rung Research. (2026). The loan amount is not always the cash you receive: Personal Loan Funded Cost Index (Collection 3; personal-loan-funded-cost@2026-09-05.collection.3). Rung Financial. https://rungfinancial.com/research/personal-loan-fee-and-proceeds-ledger/",
  "suggestedDatasetCitation": "Rung Research. (2026). Personal Loan Funded Cost Index: Public terms, funded evidence, borrower orientation, creditor identity, and state comparison (Collection 3; personal-loan-funded-cost@2026-09-05.collection.3). Rung Financial. https://rungfinancial.com/research/personal-loan-fee-and-proceeds-ledger/data/",
  "requiredQualification": "The collection is a structured 17-program public-source sample, not a market census or an estimate of one applicant’s offer.",
  "license": "CC BY 4.0 — Rung-owned contributions only",
  "licenseUrl": "https://creativecommons.org/licenses/by/4.0/",
  "licenseScope": "Rung-owned original text, charts, and copyrightable dataset contributions are licensed under Creative Commons Attribution 4.0 International (CC BY 4.0). Credit Rung Financial, link to the source and license, and identify changes. Third-party text, images, logos, source documents, and data rights are excluded unless separately identified as covered. No endorsement is implied. Source-clearance and publication review remain separate.",
  "sourceRightsReview": "pending",
  "correctionsEmail": "corrections@rungfinancial.com"
}