[
  {
    "claim": "Six named banks exploring CAD tokenized deposits and programmable payments",
    "status": "Confirmed by September 22 joint announcement"
  },
  {
    "claim": "Customers money already being converted / compulsory launch",
    "status": "Not established; announcement says exploring and provides no launch date"
  },
  {
    "claim": "Programmable controls over political behaviour",
    "status": "Speculative warning; not a documented feature in reviewed sources"
  },
  {
    "claim": "Tokenized deposit equals central-bank digital currency",
    "status": "Not interchangeable; OSFI says tokenized deposits not legally distinct from traditional deposits"
  },
  {
    "claim": "Emergencies Act ruling",
    "status": "Federal Court of Appeal official January 16, 2026 summary confirms unlawful invocation and Charter findings; historical context only"
  },
  {
    "claim": "MAID payment scenario",
    "status": "Rhetorical analogy; not evidence of a bank policy"
  }
]