{"total":17,"fetched_at":"2026-10-14T02:55:09.961Z","guidelines":[{"guideline_id":"product-analysis.common.001","guideline_version":"1.0.0","status":"current","scenario":"product_analysis","title":"Общие правила анализа документов финансового продукта","summary":"Универсальные правила для ИИ-помощника при анализе загруженных документов любого финансового продукта. Устанавливает порядок извлечения фактов, принципы evidence map, обработку неполных и конфликтующих документов, контрольный список перед выводом.","canonical_url":"/guidelines/product-analysis.common.001/current.json","content_checksum":"sha256:46a4c00bb30d97845b853ef5fbbb72c488658ceb45efbab928050b024df3dfd2","updated_at":"2026-08-03T14:00:00+03:00","valid_from":"2026-08-03","fetched_at":"2026-10-14T02:55:09.961Z","links":{"json":"/guidelines/product-analysis.common.001/versions/1.0.0.json","markdown":"/guidelines/product-analysis.common.001/versions/1.0.0.md","current_json":"/guidelines/product-analysis.common.001/current.json","current_md":"/guidelines/product-analysis.common.001/current.md"}},{"guideline_id":"product.common.001","guideline_version":"1.0.0","status":"current","scenario":"product_analysis","title":"Общие правила продуктового анализа","summary":"Базовые правила формирования памятки «На что обратить внимание» для любого финансового продукта. ИИ извлекает количественные параметры и юридически значимые условия строго из предоставленных документов.","canonical_url":"/guidelines/product.common.001/current.json","content_checksum":"sha256:bb6878824d3adabd48cc9e1db046ddc5bc042339561ea50b2c89aa4a9b21592d","updated_at":"2026-08-03T00:00:00+03:00","valid_from":"2026-08-03","fetched_at":"2026-10-14T02:55:09.961Z","links":{"json":"/guidelines/product.common.001/versions/1.0.0.json","markdown":"/guidelines/product.common.001/versions/1.0.0.md","current_json":"/guidelines/product.common.001/current.json","current_md":"/guidelines/product.common.001/current.md"}},{"guideline_id":"product.credit-card.analysis.001","guideline_version":"1.0.0","status":"current","scenario":"product_analysis","title":"Анализ кредитной карты: памятка «На что обратить внимание»","summary":"Правила для ИИ по анализу документов кредитной карты. ИИ извлекает параметры льготного периода, ставки по разным операциям, комиссии и формирует памятку из четырёх разделов.","canonical_url":"/guidelines/product.credit-card.analysis.001/current.json","content_checksum":"sha256:f396cd1433b8c671b43fa465cec6c24b7d441919fbbb2f2fa1d68964358cf3cf","updated_at":"2026-08-03T00:00:00+03:00","valid_from":"2026-08-03","fetched_at":"2026-10-14T02:55:09.961Z","links":{"json":"/guidelines/product.credit-card.analysis.001/versions/1.0.0.json","markdown":"/guidelines/product.credit-card.analysis.001/versions/1.0.0.md","current_json":"/guidelines/product.credit-card.analysis.001/current.json","current_md":"/guidelines/product.credit-card.analysis.001/current.md"}},{"guideline_id":"product.deposit.analysis.001","guideline_version":"1.0.0","status":"current","scenario":"product_analysis","title":"Анализ вклада: памятка «На что обратить внимание»","summary":"Правила для ИИ по анализу документов банковского вклада и формированию памятки. ИИ извлекает количественные параметры и юридически значимые условия из предоставленных документов и строит структурированную памятку из четырёх разделов строго на основе документов.","canonical_url":"/guidelines/product.deposit.analysis.001/current.json","content_checksum":"sha256:95166f93529c9ffa0693a404c74b978e156fbdee64022c8ed4bf13e1266189c2","updated_at":"2026-08-03T00:00:00+03:00","valid_from":"2026-08-03","fetched_at":"2026-10-14T02:55:09.961Z","links":{"json":"/guidelines/product.deposit.analysis.001/versions/1.0.0.json","markdown":"/guidelines/product.deposit.analysis.001/versions/1.0.0.md","current_json":"/guidelines/product.deposit.analysis.001/current.json","current_md":"/guidelines/product.deposit.analysis.001/current.md"}},{"guideline_id":"product.kasko.analysis.001","guideline_version":"1.0.0","status":"current","scenario":"product_analysis","title":"Анализ КАСКО: памятка «На что обратить внимание»","summary":"Правила для ИИ по анализу полиса и условий КАСКО. ИИ извлекает параметры страховой суммы, рисков, франшизы и исключений строго из документов.","canonical_url":"/guidelines/product.kasko.analysis.001/current.json","content_checksum":"sha256:2fb3e03084f0d51c0b20dbe3c3a911963d281dfb0043fb9a508dd3393ab26159","updated_at":"2026-08-03T00:00:00+03:00","valid_from":"2026-08-03","fetched_at":"2026-10-14T02:55:09.961Z","links":{"json":"/guidelines/product.kasko.analysis.001/versions/1.0.0.json","markdown":"/guidelines/product.kasko.analysis.001/versions/1.0.0.md","current_json":"/guidelines/product.kasko.analysis.001/current.json","current_md":"/guidelines/product.kasko.analysis.001/current.md"}},{"guideline_id":"product.mortgage.analysis.001","guideline_version":"1.0.0","status":"current","scenario":"product_analysis","title":"Анализ ипотеки: памятка «На что обратить внимание»","summary":"Правила для ИИ по анализу документов ипотечного кредита. ИИ извлекает параметры из предоставленных документов и формирует памятку из четырёх разделов: описание продукта, существенные условия, отличительные особенности, важно запомнить.","canonical_url":"/guidelines/product.mortgage.analysis.001/current.json","content_checksum":"sha256:76ba9898f2ffb6641d75b76122cf43f379d04a0d91219732c783ce7dbfa15ece","updated_at":"2026-08-03T00:00:00+03:00","valid_from":"2026-08-03","fetched_at":"2026-10-14T02:55:09.961Z","links":{"json":"/guidelines/product.mortgage.analysis.001/versions/1.0.0.json","markdown":"/guidelines/product.mortgage.analysis.001/versions/1.0.0.md","current_json":"/guidelines/product.mortgage.analysis.001/current.json","current_md":"/guidelines/product.mortgage.analysis.001/current.md"}},{"guideline_id":"consumer-rights.case-status.001","guideline_version":"1.0.0","status":"current","scenario":"consumer_rights","title":"Локальная state machine Consumer Rights","summary":"Определяет current_state, completed_steps, missing_requirements, next_action и next_check_date без серверного трекера.","canonical_url":"/guidelines/consumer-rights.case-status.001/current.json","content_checksum":"sha256:6cf548ecda4be904e4b85eedefefd104a8d82dbef02e237342c28bb2057d168a","updated_at":"2026-08-03","valid_from":"2026-08-03","fetched_at":"2026-10-14T02:55:09.961Z","links":{"json":"/guidelines/consumer-rights.case-status.001/versions/1.0.0.json","markdown":"/guidelines/consumer-rights.case-status.001/versions/1.0.0.md","current_json":"/guidelines/consumer-rights.case-status.001/current.json","current_md":"/guidelines/consumer-rights.case-status.001/current.md"}},{"guideline_id":"consumer-rights.enforcement.001","guideline_version":"1.0.0","status":"current","scenario":"consumer_rights","title":"Исполнение решения","summary":"После решения проверяет исполнение; при бездействии использует ENFORCEMENT_NO_ACTION.","canonical_url":"/guidelines/consumer-rights.enforcement.001/current.json","content_checksum":"sha256:7c0a06f89fb45e9ed793db3445526aa4d1b557f7a3cb97b008785b09be967932","updated_at":"2026-08-03","valid_from":"2026-08-03","fetched_at":"2026-10-14T02:55:09.961Z","links":{"json":"/guidelines/consumer-rights.enforcement.001/versions/1.0.0.json","markdown":"/guidelines/consumer-rights.enforcement.001/versions/1.0.0.md","current_json":"/guidelines/consumer-rights.enforcement.001/current.json","current_md":"/guidelines/consumer-rights.enforcement.001/current.md"}},{"guideline_id":"consumer-rights.evidence.001","guideline_version":"1.0.0","status":"current","scenario":"consumer_rights","title":"Доказательства и переиспользование","summary":"Проверяет обязательные подтверждения до эскалации и сообщает допустимые формы.","canonical_url":"/guidelines/consumer-rights.evidence.001/current.json","content_checksum":"sha256:88df7b9f6fa64f975a7665cf7bdbdc3094b824a1ce72ebffb93e357b030f5f97","updated_at":"2026-08-03","valid_from":"2026-08-03","fetched_at":"2026-10-14T02:55:09.961Z","links":{"json":"/guidelines/consumer-rights.evidence.001/versions/1.0.0.json","markdown":"/guidelines/consumer-rights.evidence.001/versions/1.0.0.md","current_json":"/guidelines/consumer-rights.evidence.001/current.json","current_md":"/guidelines/consumer-rights.evidence.001/current.md"}},{"guideline_id":"consumer-rights.goal-routing.001","guideline_version":"1.0.0","status":"current","scenario":"consumer_rights","title":"Маршрутизация по цели обращения","summary":"Определение правильного органа для обращения в зависимости от цели пользователя. Один кейс — один основной маршрут. Не перечислять все возможные органы одновременно.","canonical_url":"/guidelines/consumer-rights.goal-routing.001/current.json","content_checksum":"sha256:da86ff1f2cdeedd489443fa6ac09254297b21ae4d503721b029b8700995b8869","updated_at":"2026-08-03T00:00:00+03:00","valid_from":"2026-08-03","fetched_at":"2026-10-14T02:55:09.962Z","links":{"json":"/guidelines/consumer-rights.goal-routing.001/versions/1.0.0.json","markdown":"/guidelines/consumer-rights.goal-routing.001/versions/1.0.0.md","current_json":"/guidelines/consumer-rights.goal-routing.001/current.json","current_md":"/guidelines/consumer-rights.goal-routing.001/current.md"}},{"guideline_id":"consumer-rights.ombudsman-appeal.001","guideline_version":"1.0.0","status":"current","scenario":"consumer_rights","title":"Обжалование решения финансового уполномоченного","summary":"Отдельная ветка court_after_ombudsman с переиспользованием доказательств предыдущих этапов.","canonical_url":"/guidelines/consumer-rights.ombudsman-appeal.001/current.json","content_checksum":"sha256:a74b1f2d4d634ac8e71922e8586d66f785f58f79cecb9d79976c5a93422e1739","updated_at":"2026-08-03","valid_from":"2026-08-03","fetched_at":"2026-10-14T02:55:09.962Z","links":{"json":"/guidelines/consumer-rights.ombudsman-appeal.001/versions/1.0.0.json","markdown":"/guidelines/consumer-rights.ombudsman-appeal.001/versions/1.0.0.md","current_json":"/guidelines/consumer-rights.ombudsman-appeal.001/current.json","current_md":"/guidelines/consumer-rights.ombudsman-appeal.001/current.md"}},{"guideline_id":"consumer-rights.ombudsman-eligibility.001","guideline_version":"1.0.0","status":"current","scenario":"consumer_rights","title":"Критерии применимости финансового уполномоченного","summary":"Правила проверки, можно ли обратиться к финансовому уполномоченному (омбудсмену). Все пороги и перечни хранятся как внешние параметры со статусом needs_review и требуют проверки актуальности перед использованием.","canonical_url":"/guidelines/consumer-rights.ombudsman-eligibility.001/current.json","content_checksum":"sha256:96a537489d55136362cb9fb91eeb8ce09c11bcafcd0f8b8686efcba4387a70e3","updated_at":"2026-08-03T00:00:00+03:00","valid_from":"2026-08-03","fetched_at":"2026-10-14T02:55:09.962Z","links":{"json":"/guidelines/consumer-rights.ombudsman-eligibility.001/versions/1.0.0.json","markdown":"/guidelines/consumer-rights.ombudsman-eligibility.001/versions/1.0.0.md","current_json":"/guidelines/consumer-rights.ombudsman-eligibility.001/current.json","current_md":"/guidelines/consumer-rights.ombudsman-eligibility.001/current.md"}},{"guideline_id":"consumer-rights.primary-contact.001","guideline_version":"1.0.0","status":"current","scenario":"consumer_rights","title":"Первичное обращение в финансовую организацию","summary":"Если пользователь ещё не обращался в финансовую организацию с претензией, маршрутизация к регулятору, уполномоченному или в суд не производится. Сначала необходимо подготовить первичное обращение непосредственно в финансовую организацию.","canonical_url":"/guidelines/consumer-rights.primary-contact.001/current.json","content_checksum":"sha256:8ba4dd377313ccf5589795e874dd7eb12eb96b8a14f606a86abd01ac811a4586","updated_at":"2026-08-03T00:00:00+03:00","valid_from":"2026-08-03","fetched_at":"2026-10-14T02:55:09.962Z","links":{"json":"/guidelines/consumer-rights.primary-contact.001/versions/1.0.0.json","markdown":"/guidelines/consumer-rights.primary-contact.001/versions/1.0.0.md","current_json":"/guidelines/consumer-rights.primary-contact.001/current.json","current_md":"/guidelines/consumer-rights.primary-contact.001/current.md"}},{"guideline_id":"consumer-rights.timeline.001","guideline_version":"1.0.0","status":"current","scenario":"consumer_rights","title":"Процессуальный календарь Consumer Rights","summary":"Выбирает подтверждённое timeline rule и передаёт явные параметры в consumer_rights_deadline_date.","canonical_url":"/guidelines/consumer-rights.timeline.001/current.json","content_checksum":"sha256:4fbab60fcbcd5c7393fa4ace119ded0254a3994ff685b9ee97a1213c4e8fb08a","updated_at":"2026-08-03","valid_from":"2026-08-03","fetched_at":"2026-10-14T02:55:09.962Z","links":{"json":"/guidelines/consumer-rights.timeline.001/versions/1.0.0.json","markdown":"/guidelines/consumer-rights.timeline.001/versions/1.0.0.md","current_json":"/guidelines/consumer-rights.timeline.001/current.json","current_md":"/guidelines/consumer-rights.timeline.001/current.md"}},{"guideline_id":"fraud.intercom-code-gosuslugi.001","guideline_version":"1.0.0","status":"current","scenario":"fraud_risk","title":"Код от домофона: как бытовой предлог используется в многоступенчатом мошенничестве","summary":"Злоумышленники звонят якобы из управляющей компании или домофонной службы, просят продиктовать код из СМС под предлогом замены домофона. Фактически код может относиться к авторизации на Госуслугах или в банке. Это первый этап многоступенчатой схемы с последующим захватом аккаунтов и хищением средств.","canonical_url":"/guidelines/fraud.intercom-code-gosuslugi.001/current.json","content_checksum":"sha256:179a72a0c98ad214cbc0c97c17d63ce3af32251a07d6d60cf2f1d3030f2fd938","updated_at":"2026-08-03T00:00:00+03:00","valid_from":"2026-08-03","fetched_at":"2026-10-14T02:55:09.962Z","links":{"json":"/guidelines/fraud.intercom-code-gosuslugi.001/versions/1.0.0.json","markdown":"/guidelines/fraud.intercom-code-gosuslugi.001/versions/1.0.0.md","current_json":"/guidelines/fraud.intercom-code-gosuslugi.001/current.json","current_md":"/guidelines/fraud.intercom-code-gosuslugi.001/current.md"}},{"guideline_id":"investment.message-classification.001","guideline_version":"2.0.0","status":"current","scenario":"investment_advice","title":"Классификация инвестиционного сообщения и проверка IIR eligibility","summary":"Различать общую информацию, персонализированное инвестиционное сопровождение и индивидуальную инвестиционную рекомендацию по содержанию и эффекту ответа. Точную маркировку «Индивидуальная инвестиционная рекомендация» использовать только после успешного прохождения content_eligibility, provider_eligibility и delivery_eligibility.","canonical_url":"/guidelines/investment.message-classification.001/current.json","content_checksum":"sha256:a5ddf932e42b6a2c1b96e6833f514b564d2333e390225d52882ac4f7ebbe383f","updated_at":"2026-10-04T00:00:00+03:00","valid_from":"2026-08-03","fetched_at":"2026-10-14T02:55:09.962Z","links":{"json":"/guidelines/investment.message-classification.001/versions/2.0.0.json","markdown":"/guidelines/investment.message-classification.001/versions/2.0.0.md","current_json":"/guidelines/investment.message-classification.001/current.json","current_md":"/guidelines/investment.message-classification.001/current.md"}},{"guideline_id":"investment.stop-filters.001","guideline_version":"2.0.0","status":"current","scenario":"investment_advice","title":"STOP-фильтры и eligibility gate для инвестиционных рекомендаций","summary":"STOP-guardrails блокируют персонализированный ответ при существенном риске или нехватке данных. Маркировка «Индивидуальная инвестиционная рекомендация» дополнительно требует passed для content_eligibility, provider_eligibility и delivery_eligibility.","canonical_url":"/guidelines/investment.stop-filters.001/current.json","content_checksum":"sha256:d76b2c9a4c0bd9f8e0efe62ee361da120f6c87f31711a5f3e4e86821d6c6d008","updated_at":"2026-10-04T00:00:00+03:00","valid_from":"2026-08-03","fetched_at":"2026-10-14T02:55:09.962Z","links":{"json":"/guidelines/investment.stop-filters.001/versions/2.0.0.json","markdown":"/guidelines/investment.stop-filters.001/versions/2.0.0.md","current_json":"/guidelines/investment.stop-filters.001/current.json","current_md":"/guidelines/investment.stop-filters.001/current.md"}}]}