{ "refRates": [ { "effectiveDate": "2026-07-31", "type": "EFFR" ,"percentRate": 3.63 ,"percentPercentile1": 3.60 ,"percentPercentile25": 3.62 ,"percentPercentile75": 3.64 ,"percentPercentile99": 3.69 ,"targetRateFrom": 3.50 ,"targetRateTo": 3.75 ,"volumeInBillions": 108 ,"revisionIndicator": "" } ] }