{"meta":{"key":"c_br--pass-06","task":"C_BR","title":"Brazil: negative credit-register entries, notice, duration and correction","parent_title":"Brazil consumer debt and resolution","edition":"pass-06","path":"/research/c_br--pass-06/","kind":"split_pass","category":"international","role":"country","area_numbers":[97,98],"groups":["global"],"date":"2026-10-27","tables":13,"claims":60,"sources":20,"review_status":"same_coordinator_selected_primary_math_coverage_checked_with_holds","review_complete":true,"sha256":"8372d94996ff60f097599a061aae545f5f301106a892807a9a4419c9fa34ca23","headings":["G1.1 Covered data and excluded systems","G1.2 Actors and their distinct duties","G1.3 Consumer and business classifications","G2.1 Who gives notice?","G2.2 How early must the notice be?","G2.3 Postal notice","G2.4 Electronic notice and the 2026 current rule","Currentness correction","G2.5 Five-year maximum and the correct trigger","G2.6 The two duration limits","G3.1 Full and cleared payment","G3.2 Partial payment and instalment settlements","G3.3 Access","G3.4 Immediate correction","G3.5 Notice failure, prior lawful entries and remedies","G3.6 Generic public routes","H01 — Proposed negative entry with no prior notice","H02 — Wrong postal address and unproved email","H03 — Matured debt close to the five-year limit","H04 — Assignment to a debt buyer","H05 — Full payment clears on a Monday","H06 — Partial payment and instalment settlement","H07 — Mistaken identity and inaccurate amount","H08 — One erroneous entry alongside an earlier lawful entry","H09 — Consumer requests access and correction through a representative","Literal reviewed P01 row preserved","PASS-06 narrow addition","Material currentness crosswalk","Exact evidence still required for a real record analysis"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"C_BR/pass-06","facets":{"geography":["international","c_br"],"debt_type":[],"stage":[],"subject":["privacy-data"]},"scope":"ReviewedP01D05ordinarynegativecreditregisteronly; no unreviewedP04/P05premise","pending_corrections":0},"markdown":"# SettleADebt C_BR PASS-06 — Brazil\n\n**Distinct narrow component:** ordinary negative consumer credit-register entries, prior notice, duration, payment/settlement updates, access and error correction under CDC art. 43 and necessary official STJ interpretation.\n\n**Baseline:** October 22, 2026, America/Los_Angeles.\n**Fresh source access:** October 26, 2026 PDT / October 27, 2026 UTC. Individual source-search and opening clock times were not logged and remain unknown. No session window is inferred.\n**Status:** Narrow federal research report and publication hold. It is not a credit-report audit, individualized legal opinion, provider clearance, complaint, filing, complete LGPD analysis, or country acceptance.\n\nPASS-04 and PASS-05 are saved but unreviewed. None of their substantive conclusions, examples or calculations is adopted as a premise here. The prescription/reporting boundary was independently read only to the extent required by CDC art. 43 §§1 and 5.\n\n# Executive determination\n\nFor an ordinary negative consumer credit-register entry, the presently supported federal structure is:\n\n1. **The register maintainer gives prior notice.** CDC art. 43 §2 requires written communication when the consumer did not request the opening of the register or data. STJ Súmula 359 assigns that pre-entry notice duty to the entity maintaining the credit-protection register, not ordinarily to the creditor that supplies the debt information. The law and the reviewed STJ authorities require notice **before** entry, but they do not establish a universal three-, ten-, thirty- or other fixed waiting period. [Planalto+1](https://www.planalto.gov.br/ccivil_03/leis/l8078compilado.htm)\n2. **Postal and electronic notice follow different proof rules.** For postal notice, STJ Súmula 404 and Tema 59 dispense with return receipt and treat proof of mailing to the address supplied by the creditor as sufficient under the general rule. For electronic notice, the current controlling qualified precedent is **Tema 1.315**, decided March 5, 2026, published March 12, 2026 and shown as final: the maintainer must prove both sending and delivery to the recipient. Proof that the consumer actually opened or read the message is not required. [STJ+2](https://scon.stj.jus.br/SCON/sumstj/doc.jsp?b=SUMU&livre=%22404%22.num.)\n3. **Tema 1.315 resolves the prior conflict.** A 2023 Third Panel position had rejected email-only notice. The 2026 repetitive holding now accepts electronic notice subject to proof of sending and delivery. Inactive numbers, nonexistent addresses, full inboxes, bounces or comparable delivery failures do not meet the current electronic-delivery condition. [STJ+2](https://www.stj.jus.br/sites/portalp/Paginas/Comunicacao/Noticias/2023/22092023-Notificacao-exclusiva-por-e-mail-nao-autoriza-inscricao-em-cadastro-de-inadimplentes.aspx)\n4. **The five-year maximum runs from the day after debt maturity—not from a later entry, assignment or collector change.** The STJ’s 2024 official jurisprudence digest states that entry and maintenance are limited to five years counted from the first day after the debt’s due date, and that the maturity date must appear in the maintainer’s database. A late registration therefore does not generate a new five-year period for the same debt. An assignment or new collector likewise cannot, merely by changing actors, restart that original maturity-based period. [STJ](https://scon.stj.jus.br/jurisprudencia/externo/informativo/?acao=pesquisar&aplicacao=informativo&b=INFJ&i=1050&l=25&livre=%22REsp%22+com&p=true&t=)\n5. **There are two reporting-duration limits.** CDC art. 43 §1 imposes the five-year maximum. Section 5 separately prevents supplying information that impedes new credit once prescription of the consumer-debt collection claim has occurred. STJ Informativo 633 treats maintainers as responsible for controlling both limits. Súmula 323 clarifies that expiration of a particular **execution** route is not automatically the same as prescription of the collection claim referenced in §5. This report does not determine any real debt’s prescription. [Planalto+2](https://www.planalto.gov.br/ccivil_03/leis/l8078compilado.htm)\n6. **Full and effective payment starts a separate five-business-day duty.** Under STJ Súmula 548 and Tema 735, the creditor must cause exclusion of the paid debt’s negative entry within five business days, counted from the first business day after the funds required for complete payment become available to the creditor. Payment by cheque, boleto, transfer or another confirmation-dependent method is effective for this purpose only when the funds actually enter the creditor’s sphere of availability. [STJ+2](https://scon.stj.jus.br/SCON/sumstj/doc.jsp?b=SUMU&livre=%22548%22.num.)\n7. **Partial payment or a first settlement instalment does not produce one universal federal deletion result.** Súmula 548 is expressly based on *integral e efetivo pagamento*. A partial payment can require an amount or status correction if the stored data would otherwise become false, but it does not automatically satisfy the full-payment deletion predicate. Whether an instalment agreement extinguishes, replaces, suspends or merely reschedules the original default depends on the actual agreement and performance. No real settlement contract exists here. [Planalto+1](https://www.planalto.gov.br/ccivil_03/leis/l8078compilado.htm)\n8. **Access, correction and communication to prior recipients are separate duties.** The consumer has access to stored information and its sources. Data must be objective, clear, true and understandable. Inaccuracy may be challenged for immediate correction; after alteration, the archivist has five business days to notify the eventual recipients of the incorrect information. The five days in §3 concern communication of the alteration to those recipients—not permission to delay the correction itself for five days. [Planalto](https://www.planalto.gov.br/ccivil_03/leis/l8078compilado.htm)\n9. **An erroneous entry remains cancellable even where another lawful entry exists.** Súmula 385 may restrict the moral-damages consequence of an irregular entry when a prior legitimate entry exists, but expressly preserves the right to cancellation. It does not validate inaccurate data or authorize retention beyond the applicable period. [STJ](https://scon.stj.jus.br/SCON/sumstj/doc.jsp?b=SUMU&livre=%22385%22.num.)\n10. **Removal from a negative register is not debt forgiveness, a score promise or proof that every collection right has ended.** CDC art. 43 regulates stored and supplied credit information. This pass makes no conclusion about the underlying debt’s validity, settlement balance, court judgment, collection remedy, tax consequence or credit score. [Planalto+1](https://www.planalto.gov.br/ccivil_03/leis/l8078compilado.htm)\n\n# G1. Actor, data and nexus\n\n## G1.1 Covered data and excluded systems\n\nThe covered branch is an ordinary **negative credit-protection entry** recording alleged consumer delinquency. CDC art. 43 applies to consumer databases, files, registers and stored personal and consumer data, gives the consumer access to their information and sources, requires accurate and comprehensible data, and regulates negative-information duration. [Planalto](https://www.planalto.gov.br/ccivil_03/leis/l8078compilado.htm)\n\nIt does **not** follow that every credit-related information system is an ordinary negative register:\n\n| System or data | PASS-06 classification |\n| --- | --- |\n| Ordinary negative consumer credit-protection entry | Within scope, subject to the precise CDC/STJ predicates below. |\n| Positive payment history or *cadastro positivo* | Deferred; no full Lei 12.414/2011 analysis. |\n| Credit score or automated credit profile | Deferred; no scoring model, explanation or automated-decision analysis. |\n| SCR/Banco Central credit-operation reporting | Distinct. The STJ held in July 2026 that SCR is not equivalent to a negative register and operates under a different communication framework. [STJ](https://www.stj.jus.br/sites/portalp/Paginas/Comunicacao/Noticias/2026/15072026-Registro-no-SCR-nao-equivale-a-cadastro-de-negativados-e-exige-apenas-comunicacao-previa-ao-cliente.aspx) |\n| Pix/payment-system information | Deferred and not treated as credit-negativation data. |\n| Cadin or another governmental debtor register | Deferred public-law category. |\n| Notarial protest | Distinct public/notarial function. STJ Informativo 817 expressly distinguishes the protest office from the negative-register maintainer. [STJ](https://scon.stj.jus.br/jurisprudencia/externo/informativo/?acao=pesquisar&aplicacao=informativo&b=INFJ&i=1050&l=25&livre=%22REsp%22+com&p=true&t=) |\n| Court-ordered entry, judgment record or judicial public record | Deferred procedural/public-record branch. |\n| Internal creditor account history | Not automatically the same as a third-party negative credit-protection entry. |\n| Historical accurate data retained for a lawful nonnegative purpose | Full LGPD, positive-history and retention analysis deferred. |\n\n## G1.2 Actors and their distinct duties\n\n| Actor | Narrow role established here | What remains unproved |\n| --- | --- | --- |\n| **Consumer/debtor** | May access their stored data and sources, request accessible formats and demand immediate correction of inaccuracies. [Planalto](https://www.planalto.gov.br/ccivil_03/leis/l8078compilado.htm) | Actual identity, authority, debt, entry or request. |\n| **Register maintainer / archivist** | Gives prior notice; maintains accurate data; controls duration; makes immediate corrections; tells recipients of corrected misinformation within five business days. [STJ+2](https://scon.stj.jus.br/SCON/sumstj/doc.jsp?b=SUMU&livre=%22359%22.num.) | Any actual register’s compliance or contractual data workflow. |\n| **Creditor / furnishing source** | Supplies debt information and, after full effective payment, must cause removal within the Súmula 548 period. [STJ+1](https://scon.stj.jus.br/SCON/sumstj/doc.jsp?b=SUMU&livre=%22359%22.num.) | Ownership, accuracy, authority or payment status of any real debt. |\n| **Debt buyer or assignee** | May become the furnishing creditor if assignment is valid, but the change of creditor does not itself restart the original debt’s maturity-based reporting maximum. That is an inference from the STJ’s fixed maturity trigger. [STJ](https://scon.stj.jus.br/jurisprudencia/externo/informativo/?acao=pesquisar&aplicacao=informativo&b=INFJ&i=1050&l=25&livre=%22REsp%22+com&p=true&t=) | Assignment validity, transfer date, balance, source update and any genuinely new obligation. |\n| **Requesting third-party user / *consulente*** | Distinct from the consumer exercising access. CDC art. 43 §3 addresses recipients of incorrect information after correction. | Full lawful-access basis, user duties, positive-credit regime and LGPD role. |\n| **Debtor representative** | May act only with appropriate authority; CDC art. 43 itself does not define the representative instrument or authentication process. | Actual mandate, identity verification and provider procedure. |\n| **Public protest office or court** | Separate function and source; not equated with the ordinary register maintainer. [STJ](https://scon.stj.jus.br/jurisprudencia/externo/informativo/?acao=pesquisar&aplicacao=informativo&b=INFJ&i=1050&l=25&livre=%22REsp%22+com&p=true&t=) | Protest validity, court order, public-record law and procedural remedies. |\n\n## G1.3 Consumer and business classifications\n\nCDC art. 2 includes a natural or legal person using a product or service as final recipient. Article 3 includes public or private, domestic or foreign suppliers and remunerated banking, financial, credit and insurance services. Those definitions establish a federal consumer gateway; they do not settle every business, guaranty or foreign-data situation. [Planalto](https://www.planalto.gov.br/ccivil_03/leis/l8078compilado.htm)\n\nThe STJ’s official 2024 discussion states that a legal entity can be a consumer when it is the final recipient and may, under the mitigated-finalism approach, receive CDC protection in an enterprise-use transaction where concrete technical or factual vulnerability is proved. A business label therefore neither automatically grants nor automatically defeats CDC coverage. [STJ+1](https://www.stj.jus.br/sites/portalp/Paginas/Comunicacao/Noticias/2024/08092024-Consumidor-pessoa-juridica-quando-as-empresas-podem-ter-a-protecao-do-CDC.aspx)\n\n| Person or obligation | Narrow classification |\n| --- | --- |\n| Natural person with household consumer debt | Ordinary CDC gateway is plausible, subject to actual debt and entry. |\n| MEI or proprietor with personal debt | Classify personal versus enterprise purpose. |\n| Company using product/service as final recipient | Potential CDC consumer under art. 2. |\n| Company using service as production input | Generally requires specific final-recipient/vulnerability analysis; no automatic CDC status. |\n| Guarantor or joint debtor | Must establish actual liability, consumer nexus and whose delinquency is recorded. No universal status is inferred. |\n| Secured debtor | Security does not itself answer register accuracy, but security and enforcement merits are held. |\n| Remote or foreign operator | CDC art. 3 includes foreign suppliers in its definition; territorial jurisdiction, controller status, recognition and cross-border processing remain unresolved. |\n\nNo named register, consumer, creditor, guarantor, company, property or credit report was searched.\n\n# G2. Entry, prior notice and duration\n\n## G2.1 Who gives notice?\n\nCDC art. 43 §2 requires written communication when the consumer did not request the opening of the register, file or data. Súmula 359 allocates the prior-notice task to the **register maintainer**. Its cited precedents distinguish the creditor, which supplies information about the alleged debt, from the maintainer, which must notify before registering the debtor. [Planalto+1](https://www.planalto.gov.br/ccivil_03/leis/l8078compilado.htm)\n\nThat allocation does not immunize a creditor that supplies false, misidentified or unauthorized information. It only answers the ordinary §2 notice actor. Accuracy, assignment, debt existence and other liability questions remain distinct.\n\n## G2.2 How early must the notice be?\n\nThe notice must precede the entry. Neither CDC art. 43 §2, Súmula 359, Súmula 404 nor Tema 1.315 states a universal minimum number of days between notice and registration.\n\nAccordingly:\n\n- no Brazilian federal **30-day validation period** was established;\n- no three-, five-, ten- or fifteen-day pre-entry period is invented;\n- an operator’s voluntary policy cannot be represented as the statutory period; and\n- notice delivered only after the negative entry does not satisfy the ordinary “before entry” sequence.\n\nThe stated purpose, reflected in STJ’s 2026 explanation, is to give the consumer an opportunity to pay or oppose an unlawful entry. That purpose does not itself create a numeric waiting period. [STJ+1](https://scon.stj.jus.br/SCON/sumstj/doc.jsp?b=SUMU&livre=%22359%22.num.)\n\n## G2.3 Postal notice\n\nUnder Súmula 404 and the Tema 59 precedent reproduced on its official page:\n\n- return receipt is not required;\n- proof of dispatch to the address furnished by the creditor ordinarily suffices;\n- the maintainer is not generally required to investigate whether the consumer still lives there; and\n- proof that the consumer personally read the letter is not the general rule. [STJ](https://scon.stj.jus.br/SCON/sumstj/doc.jsp?b=SUMU&livre=%22404%22.num.)\n\nThat general rule has an important factual limit. STJ Informativo 597 says civil responsibility may arise where the consumer had directly told the maintainer to use a particular address for future notices and the maintainer nevertheless sent the notice elsewhere. [STJ](https://scon.stj.jus.br/jurisprudencia/externo/informativo/?acao=pesquisarumaedicao&livre=%270597%27.cod.)\n\nThus, “wrong address” cannot be decided from an envelope alone. The evidence must show:\n\n1. what address the creditor supplied;\n2. whether the consumer had separately updated the maintainer;\n3. when that update was received;\n4. where the notice was sent;\n5. whether the attempted entry was the same debt and consumer; and\n6. whether another notice route independently satisfied the requirement.\n\n## G2.4 Electronic notice and the 2026 current rule\n\nTema 1.315 is shown on the official STJ page as final. Its thesis states that electronic communication satisfies CDC art. 43 §2 if both sending and delivery to the recipient are proved. [STJ](https://scon.stj.jus.br/SCON/jurisprudencia/toc.jsp?O=JT&b=ACOR&livre=202403531101.REG.+E+12%2F03%2F2026.FONT.)\n\nThe official reasoning further explains:\n\n- the email address or telephone number should be one previously supplied by the consumer in connection with contracting or acquisition;\n- an inactive phone, nonexistent email, inaccessible address, full inbox or delivery error does not prove delivery;\n- delivery—not actual reading—is the necessary endpoint;\n- email, text messages and messaging applications may be capable channels when the proof requirements are met. [STJ+1](https://scon.stj.jus.br/SCON/jurisprudencia/toc.jsp?O=JT&b=ACOR&livre=202403531101.REG.+E+12%2F03%2F2026.FONT.)\n\n### Currentness correction\n\nThe 2023 Third Panel publication that rejected email-only notice represented an earlier position. The March 2026 repetitive decision expressly describes the jurisprudential evolution and now supplies the qualified current rule. The earlier page remains historically useful but should not be published as the governing categorical answer. [STJ+1](https://www.stj.jus.br/sites/portalp/Paginas/Comunicacao/Noticias/2023/22092023-Notificacao-exclusiva-por-e-mail-nao-autoriza-inscricao-em-cadastro-de-inadimplentes.aspx)\n\nNo universal technical proof format—such as one required screenshot, hash, delivery vendor certificate or metadata field—is established here. The actual proof must demonstrate sending and delivery under the current holding.\n\n## G2.5 Five-year maximum and the correct trigger\n\nCDC art. 43 §1 prohibits negative information for more than five years. STJ Informativo 817 states more precisely that the five years are counted from the **first day after the debt’s maturity date** and that the maturity date must be recorded in the maintainer’s database. [Planalto+1](https://www.planalto.gov.br/ccivil_03/leis/l8078compilado.htm)\n\nConsequences:\n\n- the registration date is not the start of a new five-year period;\n- a register cannot obtain five fresh years merely because it receives the debt late;\n- changing the collector, servicer or owner does not restart the same debt’s original clock;\n- deleting and re-entering the same debt does not create a fresh period;\n- the record must contain enough maturity information to control the deadline; and\n- an actual novation or genuinely new obligation could require a separate classification, but cannot be presumed from the word “settlement.”\n\nThese assignment and re-entry consequences are direct inferences from the maturity-based rule, not separately worded statutory clauses.\n\n## G2.6 The two duration limits\n\nSTJ Informativo 633 reads CDC art. 43 as containing:\n\n1. the general five-year maximum in §1; and\n2. the earlier endpoint under §5 where prescription of the collection claim is completed.\n\nThe maintainer must control both. [STJ](https://scon.stj.jus.br/jurisprudencia/externo/informativo/?acao=pesquisarumaedicao&livre=%270633%27.cod.)\n\nSúmula 323 states that an entry may remain up to five years regardless of prescription of the **execution**. Its own precedents explain that §5 refers to prescription of the collection action rather than merely the loss of a particular executive procedure. [STJ](https://scon.stj.jus.br/SCON/sumstj/doc.jsp?b=SUMU&livre=%22323%22.num.)\n\nThis pass therefore does **not** say:\n\n- every consumer debt is prescribed after five years;\n- removal at five years forgives the debt;\n- expiration of a cheque or note execution route necessarily triggers §5;\n- a judgment has the same clock as the original entry; or\n- a debt is collectible simply because the five-year entry period has not ended.\n\nThose are separate claim, instrument, judgment and procedure questions.\n\n# G3. Payment, settlement, access and error correction\n\n## G3.1 Full and cleared payment\n\nSúmula 548 gives the general federal rule:\n\n- actor: the **creditor**;\n- trigger: *integral e efetivo pagamento*;\n- required act: cause exclusion of the paid debt’s negative record;\n- period: five business days;\n- start: the first business day after complete availability of the funds necessary to pay the overdue debt. [STJ+1](https://scon.stj.jus.br/SCON/sumstj/doc.jsp?b=SUMU&livre=%22548%22.num.)\n\nA payment instruction is not always the clearing event. The annotated precedents identify cheques, boletos, interbank transfers and other confirmation-dependent methods as effective when the funds actually enter the creditor’s available control. [STJ](https://scon.stj.jus.br/SCON/sumstj/doc.jsp?b=SUMU&livre=%22548%22.num.)\n\nThe duty concerns the **entry for the paid debt**. It does not automatically:\n\n- erase unrelated lawful entries;\n- erase positive or internal historical data;\n- increase a credit score;\n- cancel the underlying contract retroactively;\n- determine tax treatment; or\n- generate a fixed damages award.\n\n## G3.2 Partial payment and instalment settlements\n\nSúmula 548 does not say “first instalment”; it says full and effective payment. Therefore a partial payment, standing alone, does not establish the general full-payment deletion trigger. [STJ](https://scon.stj.jus.br/SCON/sumstj/doc.jsp?b=SUMU&livre=%22548%22.num.)\n\nThat does not permit false data. If the register displays an exact outstanding amount and a partial payment reduces it, CDC art. 43 §1’s truth and clarity requirements can create an update question even where the negative status remains supportable. [Planalto](https://www.planalto.gov.br/ccivil_03/leis/l8078compilado.htm)\n\nFor a settlement or instalment agreement, inspect:\n\n- whether it merely permits delayed payment of the existing overdue debt;\n- whether the creditor conditionally suspends reporting;\n- whether the original obligation is replaced;\n- whether the settlement amount is the only remaining balance;\n- whether the original default is waived or released;\n- whether deletion is promised after signing, first payment, complete payment or another event;\n- whether the consumer has complied; and\n- whether a later instalment default creates a different maturity date or a revival term.\n\nThe reviewed general federal authorities establish **no universal rule that the first settlement instalment clears every entry**. A fully performed settlement falls within the full-payment principle to the extent it fully satisfies the settled obligation; an unperformed or partially performed agreement requires its actual terms.\n\n## G3.3 Access\n\nCDC art. 43 gives the consumer access to information stored about them and to the respective sources. Section 6 requires accessible formats, including for a person with a disability, upon request. [Planalto+1](https://www.planalto.gov.br/ccivil_03/leis/l8078compilado.htm)\n\nThe CDC text examined does not state a numeric response deadline for ordinary art. 43 access. LGPD may supply additional confirmation, access, correction, controller and response rules, but the complete LGPD regime is expressly outside this pass. ANPD’s public guidance identifies access and correction as data-subject rights; it is guidance, not a substitute for reading the full statute, regulations and actor-specific regime. [Serviços e Informações do Brasil](https://www.gov.br/anpd/pt-br/assuntos/titular-de-dados/direito-dos-titulares)\n\nA representative’s access requires valid authority and identity verification. Neither the form of that authority nor an operator’s authentication policy is approved here.\n\n## G3.4 Immediate correction\n\nCDC art. 43 §3 creates two connected but distinct steps:\n\n1. When the consumer finds an inaccuracy, they may demand its **immediate correction**.\n2. After alteration, the archivist must, within five business days, communicate the alteration to the eventual recipients of the incorrect information. [Planalto](https://www.planalto.gov.br/ccivil_03/leis/l8078compilado.htm)\n\nThe statute does not say the archivist may wait five business days before correcting. The numeric period expressly modifies communication of the alteration to recipients.\n\nMaterial inaccuracies can include, depending on proof:\n\n- mistaken identity;\n- wrong CPF/CNPJ;\n- nonexistent debt;\n- wrong creditor or source;\n- wrong amount;\n- omitted partial payment;\n- wrong maturity date;\n- already-cleared full payment;\n- duplicate entry;\n- entry maintained beyond its temporal limit; or\n- a settlement status inaccurately described.\n\nAn accurate unpaid entry is not transformed into an error merely because the consumer dislikes it. Conversely, the existence of some genuine debt does not validate the wrong amount, wrong person, wrong maturity or stale period.\n\n## G3.5 Notice failure, prior lawful entries and remedies\n\nSúmula 385 says an irregular negative entry ordinarily does not support moral-damages compensation where there is a pre-existing legitimate entry, but it preserves the right to cancellation. [STJ](https://scon.stj.jus.br/SCON/sumstj/doc.jsp?b=SUMU&livre=%22385%22.num.)\n\nNecessary distinctions:\n\n- a prior entry must itself be legitimate;\n- sequence matters—the prior entry must actually pre-exist;\n- cancellation/correction remains available;\n- no damages amount is established here;\n- notice failure and false debt are different alleged defects;\n- other statutory, procedural and factual exceptions may apply; and\n- full private remedies, proof, limitation and current citator analysis remain deferred.\n\nNo conclusion is made that notice failure always yields damages or that a prior entry eliminates every possible liability.\n\n## G3.6 Generic public routes\n\nConsumidor.gov.br is a voluntary public platform for direct dialogue with participating companies. It does not replace Procon, Defensoria, judicial or other traditional consumer-protection routes and does not guarantee an individual result. No company was searched, contacted or complained about. [Consumidor](https://www.consumidor.gov.br/pages/conteudo/publico/1)\n\nNo complaint, correction request, access request, regulator petition, bureau contact or court filing was made.\n\n# G4. Nine fictional workflows\n\nAll persons, debts, dates, amounts, addresses and communications below are invented. They are decision trees, not conclusions about a real credit report.\n\n## H01 — Proposed negative entry with no prior notice\n\n**Facts:** A register maintainer receives a creditor’s proposed entry for an alleged R$4,000 consumer balance. The maintainer plans to post it immediately. No postal or electronic notice record exists.\n\n**Actors/data:** Maintainer, furnishing creditor, natural-person consumer, alleged amount and maturity.\n\n**Controlling claims:** C_BR-P06-C015–C017 below; CDC art. 43 §2; Súmula 359.\n\n**Conditional answer:** The ordinary entry should not precede the maintainer’s qualifying written notice. The creditor’s earlier collection call does not substitute automatically for the maintainer’s §2 duty.\n\n**Required act:** Maintainer must send qualifying prior notice and preserve the appropriate proof for the chosen channel.\n\n**Clock:** No exact statutory waiting-day count was established; the notice must precede entry.\n\n**Adverse branch:** If the consumer requested the particular register opening, the §2 wording contains a different predicate. Whether a credit application constitutes such a request for this exact negative entry must not be assumed.\n\n**Missing evidence:** Proposed entry record, source data, notice logs, requested/not-requested status, maturity and identity.\n\n**Exact next question:** What written notice did the maintainer send before the proposed entry, by which channel, and what proof satisfies that channel’s current rule?\n\n## H02 — Wrong postal address and unproved email\n\n**Facts:** The creditor supplies Address A. The consumer had previously sent the maintainer a documented instruction to use Address B. The maintainer mails to Address A. It also sends an email, but the record shows only “queued,” not delivery.\n\n**Controlling claims:** C018–C025; Súmula 404, Informativo 597 and Tema 1.315.\n\n**Conditional answer:**\n\n- ordinary postal law uses the creditor-supplied address and no AR is required;\n- the direct prior update to the maintainer creates the Informativo 597 adverse branch;\n- the email does not independently satisfy Tema 1.315 without evidence of delivery.\n\n**Required proof:** Receipt and effective date of the address update, mailing proof, email address source, send log and delivery result.\n\n**Consequence:** Entry validity and responsibility remain fact-dependent; no damages outcome is calculated.\n\n**Exact next question:** Had the maintainer received and processed the consumer’s address instruction before sending the notice, and is there independent proof that the electronic notice reached a consumer-provided address?\n\n## H03 — Matured debt close to the five-year limit\n\n**Facts:** An ordinary debt matured on **June 30, 2021**. Assume the entry is otherwise lawful, no earlier §5 collection-prescription endpoint applies and the maintainer registers the debt only on January 15, 2025.\n\n**Primary rule:** Five years counted from the first day after maturity, not from registration. [STJ](https://scon.stj.jus.br/jurisprudencia/externo/informativo/?acao=pesquisar&aplicacao=informativo&b=INFJ&i=1050&l=25&livre=%22REsp%22+com&p=true&t=)\n\n**Conditional calculation:**\n\n- Debt maturity: June 30, 2021.\n- Reporting clock begins: July 1, 2021.\n- Five-year anniversary under the ordinary civil-year convention: July 1, 2026.\n- Formula: July 1, 2021 + 5 years = July 1, 2026.\n\nThe January 15, 2025 entry does not produce a January 15, 2030 endpoint.\n\nCivil Code art. 132 generally excludes the opening day, includes the endpoint and places year periods on the same-numbered date. Because this is a statutory **maximum retention** rather than an ordinary party filing deadline, this report does not assume that a weekend or holiday allows the maintainer an extra day of negative retention. Exact endpoint implementation should favor avoiding maintenance beyond the five-year maximum. [Planalto+1](https://www.planalto.gov.br/ccivil_03/leis/2002/l10406compilada.htm)\n\n**Adverse branch:** If the collection claim prescribed earlier for §5 purposes, the earlier reporting endpoint may control. This pass does not calculate that prescription.\n\n**Missing evidence:** Actual maturity, payment history, debt instrument, prior registration dates and prescription classification.\n\n**Exact next question:** What is the verified maturity date stored by the maintainer, and is there any earlier CDC art. 43 §5 endpoint?\n\n## H04 — Assignment to a debt buyer\n\n**Facts:** A consumer debt matured September 10, 2022. The original creditor assigns it to a buyer on March 1, 2025. The buyer asks for a new five-year negative entry beginning on the assignment date.\n\n**Controlling claims:** C027–C034.\n\n**Conditional answer:** For the same debt, the reporting maximum remains tied to the first day after the original maturity, not assignment. A change in creditor/source should be accurately identified but does not itself create new maturity.\n\n**Required proof:** Assignment instrument, debt identity, original maturity, current balance, source field, existing entries and any later agreement.\n\n**Adverse branch:** A genuinely new valid agreement that replaces the old obligation and creates a new due date may require separate analysis. Assignment alone is not that agreement.\n\n**Exact next question:** Did the transaction merely transfer ownership of the same matured debt, or did the consumer enter a new enforceable obligation with a different maturity?\n\n## H05 — Full payment clears on a Monday\n\n**Facts:** The consumer initiates payment earlier, but the complete amount needed to satisfy the overdue debt becomes fully available to the creditor on **Monday, October 19, 2026**. Assume there are no national, state or local holidays during the count.\n\n**Primary rule:** Five business days beginning on the first business day after complete availability. [STJ+1](https://scon.stj.jus.br/SCON/sumstj/doc.jsp?b=SUMU&livre=%22548%22.num.)\n\n**Conditional calculation:**\n\n- Funds fully available: Monday, October 19.\n- Tuesday, October 20 = business day 1.\n- Wednesday, October 21 = business day 2.\n- Thursday, October 22 = business day 3.\n- Friday, October 23 = business day 4.\n- Saturday and Sunday are not counted.\n- Monday, October 26 = business day 5.\n\nFormula:\n\n5 business days = Oct. 20 (1) + Oct. 21 (2) + Oct. 22 (3) + Oct. 23 (4) + Oct. 26 (5).\n\n**Conditional result:** The creditor’s general Súmula 548 period ends on October 26, subject to actual holiday and local-calendar verification.\n\n**Alternative branch:** If the boleto or transfer did not clear until Tuesday, October 20, the first business day would ordinarily be Wednesday, October 21, shifting the count.\n\n**Missing evidence:** Payment instrument, clearing timestamp, complete payoff amount, creditor receipt and deletion request.\n\n**Exact next question:** When did the complete payoff funds—not merely the payment instruction—become available to the creditor?\n\n## H06 — Partial payment and instalment settlement\n\n**Facts:** The stored debt is R$10,000. The consumer pays R$1,000 and signs a six-month proposal, but the document does not say whether the original debt is replaced, whether reporting is suspended or when deletion occurs.\n\n**Controlling claims:** C040–C043.\n\n**Conditional answer:**\n\n- The R$1,000 is not full and effective payment under Súmula 548.\n- If the register displays R$10,000 after the creditor recognizes the partial payment, the amount field may be inaccurate.\n- No universal first-instalment deletion rule was established.\n- The settlement document may create additional duties only after its legal effect and performance are established.\n\n**No statutory arithmetic:** R$10,000 − R$1,000 = R$9,000 is only the fictional arithmetic balance before interest, fees, releases or settlement terms. It is not a legally determined amount.\n\n**Adverse branch:** The creditor may have agreed to accept a lower settled balance or delete upon first payment; alternatively, the proposal may never have become effective.\n\n**Missing evidence:** Executed settlement, acceptance, release, payment allocation, updated ledger and reporting promise.\n\n**Exact next question:** What event does the signed settlement make legally effective—signing, first cleared instalment, complete performance or another condition?\n\n## H07 — Mistaken identity and inaccurate amount\n\n**Facts:** A register entry uses the consumer’s CPF but records another person’s contract and an incorrect maturity date.\n\n**Controlling claims:** C011–C014 and C044–C049.\n\n**Conditional answer:** The data fails the truth and clarity requirements if the mismatch is proved. The consumer may demand immediate correction. Once altered, the archivist has five business days to tell eventual recipients of the incorrect information about the alteration.\n\n**Required act:** Identity match, source verification, immediate correction and downstream recipient communication.\n\n**Clock:** The five-business-day period in §3 applies to notifying recipients of the alteration. The text does not authorize delaying correction for those five days.\n\n**Adverse branch:** A similar name is not proof of mistaken identity; authenticate the CPF, contract, source and consumer.\n\n**Missing evidence:** Full register disclosure, source details, identity documents, contract and recipient log.\n\n**Exact next question:** Which source supplied the mismatched contract, and to which third-party recipients was the incorrect data previously sent?\n\n## H08 — One erroneous entry alongside an earlier lawful entry\n\n**Facts:** The consumer has one verified legitimate earlier entry and a later entry for a debt that does not belong to them.\n\n**Controlling claims:** C050–C053; Súmula 385.\n\n**Conditional answer:** The later erroneous entry remains subject to cancellation or correction. Súmula 385 may affect a moral-damages claim because of the prior legitimate entry, but it does not validate the later entry.\n\n**Adverse branch:** If the supposed earlier entry is itself unlawful, inaccurate, later in time or already removed, the Súmula 385 predicate may fail.\n\n**Missing evidence:** Dates, legitimacy, notice and status of both entries.\n\n**Exact next question:** Was the other entry genuinely lawful and already in existence before the challenged entry?\n\n## H09 — Consumer requests access and correction through a representative\n\n**Facts:** A family member sends a correction request, but no authorization document is included. The request says the amount is wrong but supplies no register disclosure or payment receipt.\n\n**Controlling claims:** C011–C014, C044–C048.\n\n**Conditional answer:** CDC art. 43 protects access and correction, but the maintainer may require a valid basis for the representative to act and evidence identifying the supposed inaccuracy. No operator-specific authentication procedure is approved here.\n\n**Required act:** Establish representation, identify the entry and source, provide the relevant proof, make immediate correction if inaccuracy is established, and notify prior recipients as required.\n\n**Adverse branch:** A maintainer cannot use an unreasonable verification demand to defeat a valid statutory right, but that issue requires the actual procedure and full consumer/LGPD analysis.\n\n**Missing evidence:** Authority, identification, complete report, source, payment or settlement record.\n\n**Exact next question:** What valid authority permits this representative to access and alter the consumer’s record, and what document proves the specific field is inaccurate?\n\n# G5. Old-to-new disposition and currentness\n\n## Literal reviewed P01 row preserved\n\n| Original field | Literal saved content |\n| --- | --- |\n| **#** | D05 |\n| **Named deferred family** | Credit reporting and correction |\n| **Gateway reference/status** | C003, C035; Deferred |\n| **Exact next research action** | Research CDC records, LGPD, cadastro-positive and bureau-specific current primary rules. |\n\n**Original coordinator acceptance:** explicit_deferred_hold_preserved.\n\n## PASS-06 narrow addition\n\n| P01 D05 component | PASS-06 result | Remaining gate |\n| --- | --- | --- |\n| Ordinary negative-register actor | Maintainer notice duty, creditor payment-removal duty and archivist correction duties identified. | Actual actors, contracts, data flow and entry. |\n| Prior notice | Postal and electronic routes distinguished; current electronic rule resolved through final Tema 1.315. | Actual send/delivery proof and chronology. |\n| Duration | Five years from day after maturity, with separate §5 collection-prescription boundary. | Actual maturity, debt category and prescription. |\n| Payment update | Creditor’s five-business-day duty after full effective payment established. | Actual payoff, clearing and deletion request. |\n| Partial payment/settlement | No universal first-instalment deletion rule; truth/update duties remain. | Actual settlement and payment terms. |\n| Access/correction | Access to data/sources, immediate correction and five-business-day downstream communication established. | Actual request, authority, error and recipients. |\n| Remedies | Narrow cancellation and Súmula 385 distinction identified. | Full damages, causation, limitation and citator. |\n| LGPD/cadastro positivo | Not completed. | Separate full statutes, regulations and actor-specific analysis. |\n| State/DF/local implementation | Not researched. | Each unit and municipality separately. |\n\nThe P01 row is not overwritten. It is narrowed only for the ordinary federal negative-register component.\n\n## Material currentness crosswalk\n\n| Issue | Earlier position or enactment | Current result |\n| --- | --- | --- |\n| CDC art. 43 original framework | Lei 8.078/1990. | Current compiled text read. [Planalto](https://www.planalto.gov.br/ccivil_03/leis/l8078compilado.htm) |\n| Accessible formats | Added by Lei 13.146/2015 art. 100, with the law generally effective 180 days after official publication. [Planalto+1](https://www.planalto.gov.br/ccivil_03/_ato2015-2018/2015/lei/l13146.htm) | CDC art. 43 §6 currently displayed in the compiled text. |\n| Postal notice | Súmula 404/Tema 59. | AR remains unnecessary under the ordinary postal route. [STJ](https://scon.stj.jus.br/SCON/sumstj/doc.jsp?b=SUMU&livre=%22404%22.num.) |\n| Email-only notice | 2023 panel publication rejected it categorically. [STJ](https://www.stj.jus.br/sites/portalp/Paginas/Comunicacao/Noticias/2023/22092023-Notificacao-exclusiva-por-e-mail-nao-autoriza-inscricao-em-cadastro-de-inadimplentes.aspx) | Tema 1.315, final in 2026, now accepts electronic notice with proof of sending and delivery. [STJ](https://scon.stj.jus.br/SCON/jurisprudencia/toc.jsp?O=JT&b=ACOR&livre=202403531101.REG.+E+12%2F03%2F2026.FONT.) |\n| Five-year trigger | Older summaries sometimes described five years from “registration.” | Current 2024 STJ digest states the count begins on the first day after maturity. [STJ](https://scon.stj.jus.br/jurisprudencia/externo/informativo/?acao=pesquisar&aplicacao=informativo&b=INFJ&i=1050&l=25&livre=%22REsp%22+com&p=true&t=) |\n| Full-payment deletion | Tema 735 and Súmula 548. | Five business days from first business day after complete funds availability. [STJ](https://scon.stj.jus.br/SCON/sumstj/doc.jsp?b=SUMU&livre=%22548%22.num.) |\n| SCR | Often colloquially confused with negativation. | 2026 STJ decision says SCR is not equivalent to an ordinary negative register. [STJ](https://www.stj.jus.br/sites/portalp/Paginas/Comunicacao/Noticias/2026/15072026-Registro-no-SCR-nao-equivale-a-cadastro-de-negativados-e-exige-apenas-comunicacao-previa-ao-cliente.aspx) |\n\nNo exhaustive later-amendment or commercial-citator certification is claimed. The current official bodies must be rechecked at publication or deployment.\n\n# PASS-06 source register\n\n**Status labels**\n\n- FRESH-READ—OPERATIVE: enacted or compiled official law read.\n- FRESH-READ—QUALIFIED PRECEDENT: official repetitive holding or final thesis read.\n- FRESH-READ—SÚMULA: official annotated STJ súmula read.\n- FRESH-READ—OFFICIAL INTERPRETATION: official STJ jurisprudence digest or explanation; not legislation.\n- HISTORICAL—SUPERSEDED IN PART: earlier official interpretation retained solely to show the corrected currentness history.\n- GUIDANCE-READ: official public guidance, not legislation.\n- FAILED-ALTERNATE: attempted official direct item returned no accessible body; no proposition rests on it.\n\n**Access date for every row:** October 26, 2026 PDT / October 27, 2026 UTC. Exact clock time unknown. All successfully read bodies were HTML; PDF zero-based page index is therefore N/A.\n\n| Source ID | Issuer, title and complete literal URL | Exact material, publication/currentness, page/index and read limit |\n| --- | --- | --- |\n| **C_BR-P06-S001** | Presidência da República, **Lei nº 8.078/1990 — Código de Defesa do Consumidor**, compiled. https://www.planalto.gov.br/ccivil_03/leis/l8078compilado.htm | **FRESH-READ—OPERATIVE.** Arts. 2–3 and 43 caput, §§1–6; art. 118 inspected for original commencement context. Current compiled text read. Printed page not established; PDF index N/A. Full LGPD, Cadastro Positivo, remedies and collection-conduct law not read. [Planalto+1](https://www.planalto.gov.br/ccivil_03/leis/l8078compilado.htm) |\n| **S002** | Presidência da República, **Lei nº 13.146/2015 — Estatuto da Pessoa com Deficiência**. https://www.planalto.gov.br/ccivil_03/_ato2015-2018/2015/lei/l13146.htm | **FRESH-READ—OPERATIVE AMENDMENT.** Art. 100 adding CDC art. 43 §6; art. 127, law effective 180 days after publication; DOU July 7, 2015. Printed page not established; PDF N/A. Only the CDC amendment/currentness branch read. [Planalto+1](https://www.planalto.gov.br/ccivil_03/_ato2015-2018/2015/lei/l13146.htm) |\n| **S003** | Presidência da República, **Lei nº 10.406/2002 — Código Civil**, compiled. https://www.planalto.gov.br/ccivil_03/leis/2002/l10406compilada.htm | **FRESH-READ—OPERATIVE, LIMITED.** Art. 132 caput and §§1–3 only, for the fictional civil-year calculation. Printed page not established; PDF N/A. No prescription merits or contract analysis adopted from PASS-05. [Planalto](https://www.planalto.gov.br/ccivil_03/leis/2002/l10406compilada.htm) |\n| **S004** | Superior Tribunal de Justiça, **Súmula 359**. https://scon.stj.jus.br/SCON/sumstj/doc.jsp?b=SUMU&livre=%22359%22.num. | **FRESH-READ—SÚMULA.** Enunciado and relevant original-precedent excerpts: maintainer gives notice before entry. Judged August 13, 2008; DJe September 8, 2008. Official source references RSSTJ vol. 31 p. 397 and RSTJ vol. 211 p. 548. PDF N/A. Debt-accuracy liability not exhaustively decided. [STJ](https://scon.stj.jus.br/SCON/sumstj/doc.jsp?b=SUMU&livre=%22359%22.num.) |\n| **S005** | Superior Tribunal de Justiça, **Súmula 404 / Tema 59 source page**. https://scon.stj.jus.br/SCON/sumstj/doc.jsp?b=SUMU&livre=%22404%22.num. | **FRESH-READ—SÚMULA.** Enunciado and Tema 59 excerpts: no postal AR required; proof of dispatch to creditor-supplied address. Judged October 28, 2009; DJe November 24, 2009. RSSTJ vol. 38 p. 131; RSTJ vol. 216 p. 759. PDF N/A. Electronic notice controlled by later Tema 1.315. [STJ](https://scon.stj.jus.br/SCON/sumstj/doc.jsp?b=SUMU&livre=%22404%22.num.) |\n| **S006** | Superior Tribunal de Justiça, **Tema Repetitivo 1.315 / REsp 2.171.003 official jurisprudence page**. https://scon.stj.jus.br/SCON/jurisprudencia/toc.jsp?O=JT&b=ACOR&livre=202403531101.REG.+E+12/03/2026.FONT. | **FRESH-READ—QUALIFIED PRECEDENT.** Final-status field; thesis; ementa and reasons at displayed lines 388–444. Judged March 5, 2026; DJEN March 12, 2026; page shows *Trânsito em Julgado*. Printed page not shown; PDF N/A. Full individual records not searched. [STJ](https://scon.stj.jus.br/SCON/jurisprudencia/toc.jsp?O=JT&b=ACOR&livre=202403531101.REG.+E+12%2F03%2F2026.FONT.) |\n| **S007** | Superior Tribunal de Justiça, **“Repetitivo: STJ valida notificação eletrônica…”**. https://www.stj.jus.br/sites/portalp/Paginas/Comunicacao/Noticias/2026/11032026-Repetitivo-STJ-valida-notificacao-eletronica-a-consumidor-sobre-abertura-de-cadastro-nao-solicitado.aspx | **FRESH-READ—OFFICIAL INTERPRETATION.** Published March 11, 2026; reasoning on consumer-supplied contact, send/delivery proof, failed delivery and no reading requirement. Not a substitute for the thesis, but explains it. Printed page/PDF N/A. [STJ+1](https://www.stj.jus.br/sites/portalp/Paginas/Comunicacao/Noticias/2026/11032026-Repetitivo-STJ-valida-notificacao-eletronica-a-consumidor-sobre-abertura-de-cadastro-nao-solicitado.aspx) |\n| **S008** | Superior Tribunal de Justiça, **“Notificação exclusiva por e-mail não autoriza inscrição…”**. https://www.stj.jus.br/sites/portalp/Paginas/Comunicacao/Noticias/2023/22092023-Notificacao-exclusiva-por-e-mail-nao-autoriza-inscricao-em-cadastro-de-inadimplentes.aspx | **HISTORICAL—SUPERSEDED IN PART.** Published September 22, 2023. Earlier panel position rejecting email-only notice. Retained only to document conflict resolved by 2026 Tema 1.315. Printed page/PDF N/A. [STJ](https://www.stj.jus.br/sites/portalp/Paginas/Comunicacao/Noticias/2023/22092023-Notificacao-exclusiva-por-e-mail-nao-autoriza-inscricao-em-cadastro-de-inadimplentes.aspx) |\n| **S009** | Superior Tribunal de Justiça, **Súmula 323**. https://scon.stj.jus.br/SCON/sumstj/doc.jsp?b=SUMU&livre=%22323%22.num. | **FRESH-READ—SÚMULA.** Five-year maximum and distinction from prescription of execution. Revisited November 25, 2009; DJe December 16, 2009; historical DJ December 5, 2005 p. 410; RSSTJ vol. 26 p. 345; RSTJ vol. 198 p. 632. PDF N/A. Full substantive prescription law not read. [STJ](https://scon.stj.jus.br/SCON/sumstj/doc.jsp?b=SUMU&livre=%22323%22.num.) |\n| **S010** | Superior Tribunal de Justiça, **Informativo de Jurisprudência nº 633**. https://scon.stj.jus.br/jurisprudencia/externo/informativo/?acao=pesquisarumaedicao&livre=%270633%27.cod. | **FRESH-READ—OFFICIAL INTERPRETATION.** Item concerning maintainers, maturity information and both CDC art. 43 temporal limits; decision September 11, 2018, DJe September 21, 2018; Informativo dated October 11, 2018. Printed page/PDF N/A. Protest merits excluded. [STJ](https://scon.stj.jus.br/jurisprudencia/externo/informativo/?acao=pesquisarumaedicao&livre=%270633%27.cod.) |\n| **S011** | Superior Tribunal de Justiça, **Informativo de Jurisprudência nº 817 — five-year maturity-date item**. https://scon.stj.jus.br/jurisprudencia/externo/informativo/?acao=pesquisar&aplicacao=informativo&b=INFJ&i=1050&l=25&livre=%22REsp%22+com&p=true&t= | **FRESH-READ—OFFICIAL INTERPRETATION.** Item displayed at lines 588–613: five years from first day after maturity; maturity date required; negative-register/protest distinction. Decision June 11, 2024; DJe June 18, 2024; item dated June 25, 2024. Printed page/PDF N/A. [STJ](https://scon.stj.jus.br/jurisprudencia/externo/informativo/?acao=pesquisar&aplicacao=informativo&b=INFJ&i=1050&l=25&livre=%22REsp%22+com&p=true&t=) |\n| **S012** | Superior Tribunal de Justiça, **Súmula 548 / Tema 735 source page**. https://scon.stj.jus.br/SCON/sumstj/doc.jsp?b=SUMU&livre=%22548%22.num. | **FRESH-READ—SÚMULA.** Full effective payment; creditor; five business days; first business day after complete funds availability; clearance-dependent payments. Judged October 14, 2015; DJe October 19, 2015; RSSTJ vol. 45 p. 265; RSTJ vol. 243 p. 1091. PDF N/A. Partial settlement merits not established. [STJ+1](https://scon.stj.jus.br/SCON/sumstj/doc.jsp?b=SUMU&livre=%22548%22.num.) |\n| **S013** | Superior Tribunal de Justiça, **Súmula 385**. https://scon.stj.jus.br/SCON/sumstj/doc.jsp?b=SUMU&livre=%22385%22.num. | **FRESH-READ—SÚMULA.** Prior legitimate entry, moral-damages limitation and preserved cancellation right. Judged May 27, 2009; DJe June 8, 2009; RSSTJ vol. 35 p. 181; RSTJ vol. 214 p. 541. PDF N/A. Complete damages/remedies citator deferred. [STJ](https://scon.stj.jus.br/SCON/sumstj/doc.jsp?b=SUMU&livre=%22385%22.num.) |\n| **S014** | Superior Tribunal de Justiça, **Informativo de Jurisprudência nº 597**. https://scon.stj.jus.br/jurisprudencia/externo/informativo/?acao=pesquisarumaedicao&livre=%270597%27.cod. | **FRESH-READ—OFFICIAL INTERPRETATION.** Wrong-address distinction where consumer directly updated maintainer; decision December 15, 2016, DJe February 6, 2017; Informativo March 15, 2017. Printed page/PDF N/A. Liability and damages remain fact-specific. [STJ](https://scon.stj.jus.br/jurisprudencia/externo/informativo/?acao=pesquisarumaedicao&livre=%270597%27.cod.) |\n| **S015** | Superior Tribunal de Justiça, **“Consumidor pessoa jurídica: quando as empresas podem ter a proteção do CDC?”**. https://www.stj.jus.br/sites/portalp/Paginas/Comunicacao/Noticias/2024/08092024-Consumidor-pessoa-juridica-quando-as-empresas-podem-ter-a-protecao-do-CDC.aspx | **FRESH-READ—OFFICIAL INTERPRETATION.** Published September 8, 2024; final-recipient and mitigated-finalism/vulnerability explanation. Printed page/PDF N/A. Not a categorical finding for any actual company. [STJ](https://www.stj.jus.br/sites/portalp/Paginas/Comunicacao/Noticias/2024/08092024-Consumidor-pessoa-juridica-quando-as-empresas-podem-ter-a-protecao-do-CDC.aspx) |\n| **S016** | Superior Tribunal de Justiça, **“Registro no SCR não equivale a cadastro de negativados…”**. https://www.stj.jus.br/sites/portalp/Paginas/Comunicacao/Noticias/2026/15072026-Registro-no-SCR-nao-equivale-a-cadastro-de-negativados-e-exige-apenas-comunicacao-previa-ao-cliente.aspx | **FRESH-READ—OFFICIAL INTERPRETATION.** Published July 15, 2026; SCR treated as distinct regulatory credit-information system. Printed page/PDF N/A. SCR substantive rules excluded. [STJ](https://www.stj.jus.br/sites/portalp/Paginas/Comunicacao/Noticias/2026/15072026-Registro-no-SCR-nao-equivale-a-cadastro-de-negativados-e-exige-apenas-comunicacao-previa-ao-cliente.aspx) |\n| **S017** | Secretaria Nacional do Consumidor, **Conheça o Consumidor.gov.br**. https://www.consumidor.gov.br/pages/conteudo/publico/1 | **GUIDANCE-READ.** Voluntary direct consumer-company platform; not an administrative procedure and not a replacement for Procon/court channels. Live page read on access date; page-specific commencement not applicable. Printed page/PDF N/A. No complaint or company search performed. [Consumidor](https://www.consumidor.gov.br/pages/conteudo/publico/1) |\n| **S018** | Agência Nacional de Proteção de Dados, **Direito dos Titulares**. https://www.gov.br/anpd/pt-br/assuntos/titular-de-dados/direito-dos-titulares | **GUIDANCE-READ.** General access and correction guidance read only to identify the separate LGPD branch. Not used as a complete LGPD legal analysis or credit-register deadline source. Printed page/PDF N/A. [Serviços e Informações do Brasil](https://www.gov.br/anpd/pt-br/assuntos/titular-de-dados/direito-dos-titulares) |\n| **S019** | Superior Tribunal de Justiça, attempted direct Informativo item 020788. https://scon.stj.jus.br/jurisprudencia/externo/informativo/?livre=%40CNOT%3D020788 | **FAILED-ALTERNATE.** Direct item returned inaccessible/internal-error response. No proposition derives from it; readable S011 edition/search page was used. Printed page/PDF N/A. (Invalid URL) |\n| **S020** | Superior Tribunal de Justiça, attempted direct Informativo item 016777. https://scon.stj.jus.br/jurisprudencia/externo/informativo/?livre=%40CNOT%3D016777 | **FAILED-ALTERNATE.** Direct item returned inaccessible/internal-error response. No proposition derives from it; readable S010 edition page was used. Printed page/PDF N/A. (Invalid URL) |\n\n**Source count: 20 displayed rows.**\nThree official enacted/compiled legal bodies; thirteen official STJ bodies including one historical currentness source; two official guidance sources; two failed official alternate routes.\n\n# Atomic claim/evidence register\n\nA097 denotes actor, data-operation or engagement classification.\nA098 denotes consumer right, notice, duration, update, correction or currentness.\n\n| Claim ID | Area; exact proposition, conditions, required act/effect and hold | Source and pinpoint |\n| --- | --- | --- |\n| **C_BR-P06-C001** | A098. Scope is limited to ordinary negative consumer credit-register entries, not score, SCR, positive history, protest, Cadin or court records. | Research scope; S016 confirms SCR distinction. [STJ](https://www.stj.jus.br/sites/portalp/Paginas/Comunicacao/Noticias/2026/15072026-Registro-no-SCR-nao-equivale-a-cadastro-de-negativados-e-exige-apenas-comunicacao-previa-ao-cliente.aspx) |\n| **C002** | A098. A natural or legal person may be a CDC consumer when using the service as final recipient. | S001 art. 2. [Planalto](https://www.planalto.gov.br/ccivil_03/leis/l8078compilado.htm) |\n| **C003** | A097. CDC supplier definition includes domestic and foreign suppliers and remunerated credit/financial services; cross-border application remains factual. | S001 art. 3 caput and §2. [Planalto](https://www.planalto.gov.br/ccivil_03/leis/l8078compilado.htm) |\n| **C004** | A098. Enterprise use does not automatically establish or defeat CDC status; concrete final-recipient and vulnerability analysis may be required. | S015; official STJ explanation. [STJ+1](https://www.stj.jus.br/sites/portalp/Paginas/Comunicacao/Noticias/2024/08092024-Consumidor-pessoa-juridica-quando-as-empresas-podem-ter-a-protecao-do-CDC.aspx) |\n| **C005** | A097. The register maintainer, furnishing creditor, requesting user and debtor are distinct actors. | S004; S001 art. 43; S012. [STJ+2](https://scon.stj.jus.br/SCON/sumstj/doc.jsp?b=SUMU&livre=%22359%22.num.) |\n| **C006** | A097. A debt buyer or assignee does not gain a new reporting period merely through assignment of the same matured debt. | Inference from S011’s maturity-based trigger; actual assignment/new obligation held. [STJ](https://scon.stj.jus.br/jurisprudencia/externo/informativo/?acao=pesquisar&aplicacao=informativo&b=INFJ&i=1050&l=25&livre=%22REsp%22+com&p=true&t=) |\n| **C007** | A097. Third-party requesting-user access and duties are not fully governed by CDC art. 43 alone and remain deferred. | S001 art. 43 caput/§3; bounded limit. [Planalto](https://www.planalto.gov.br/ccivil_03/leis/l8078compilado.htm) |\n| **C008** | A097. A representative needs valid authority; CDC art. 43 does not define the required mandate/authentication method. | S001 art. 43; factual/procedural hold. [Planalto](https://www.planalto.gov.br/ccivil_03/leis/l8078compilado.htm) |\n| **C009** | A098. SCR is not equivalent to an ordinary negative register. | S016, STJ July 2026. [STJ](https://www.stj.jus.br/sites/portalp/Paginas/Comunicacao/Noticias/2026/15072026-Registro-no-SCR-nao-equivale-a-cadastro-de-negativados-e-exige-apenas-comunicacao-previa-ao-cliente.aspx) |\n| **C010** | A098. A negative-register maintainer and a protest office perform different functions. | S011 lines 610–613. [STJ](https://scon.stj.jus.br/jurisprudencia/externo/informativo/?acao=pesquisar&aplicacao=informativo&b=INFJ&i=1050&l=25&livre=%22REsp%22+com&p=true&t=) |\n| **C011** | A098. Consumer has access to stored information about them and its sources. | S001 art. 43 caput. [Planalto](https://www.planalto.gov.br/ccivil_03/leis/l8078compilado.htm) |\n| **C012** | A098. Consumer data must be objective, clear, true and understandable. | S001 art. 43 §1. [Planalto](https://www.planalto.gov.br/ccivil_03/leis/l8078compilado.htm) |\n| **C013** | A098. Art. 43 information must be available in accessible formats upon consumer request. | S001 art. 43 §6; S002 art. 100. [Planalto+1](https://www.planalto.gov.br/ccivil_03/leis/l8078compilado.htm) |\n| **C014** | A098. Art. 43 §4’s public-character designation does not itself resolve unrestricted third-party access; that legal branch remains held. | S001 art. 43 §4; bounded interpretation. [Planalto](https://www.planalto.gov.br/ccivil_03/leis/l8078compilado.htm) |\n| **C015** | A097. Maintainer must notify the debtor before making the entry. | S004, Súmula 359. [STJ](https://scon.stj.jus.br/SCON/sumstj/doc.jsp?b=SUMU&livre=%22359%22.num.) |\n| **C016** | A097. Ordinary §2 notice duty belongs to the maintainer, not the creditor that merely furnishes the debt data. | S004 precedent excerpts. [STJ](https://scon.stj.jus.br/SCON/sumstj/doc.jsp?b=SUMU&livre=%22359%22.num.) |\n| **C017** | A098. Reviewed federal texts require prior notice but establish no universal numeric pre-entry waiting period. | S001 art. 43 §2; S004–S006. [Planalto+2](https://www.planalto.gov.br/ccivil_03/leis/l8078compilado.htm) |\n| **C018** | A098. Postal notice does not require return receipt. | S005, Súmula 404. [STJ](https://scon.stj.jus.br/SCON/sumstj/doc.jsp?b=SUMU&livre=%22404%22.num.) |\n| **C019** | A098. Ordinary postal proof is dispatch to the address furnished by the creditor. | S005/Tema 59 excerpts. [STJ](https://scon.stj.jus.br/SCON/sumstj/doc.jsp?b=SUMU&livre=%22404%22.num.) |\n| **C020** | A098. A maintainer that ignores an address directly supplied by the consumer may face a different result. | S014, Informativo 597. [STJ](https://scon.stj.jus.br/jurisprudencia/externo/informativo/?acao=pesquisarumaedicao&livre=%270597%27.cod.) |\n| **C021** | A098. Electronic notice is valid under final Tema 1.315 if sending and delivery are proved. | S006 thesis. [STJ](https://scon.stj.jus.br/SCON/jurisprudencia/toc.jsp?O=JT&b=ACOR&livre=202403531101.REG.+E+12%2F03%2F2026.FONT.) |\n| **C022** | A098. Electronic proof must establish both actual sending and delivery to the destination. | S006–S007. [STJ+1](https://scon.stj.jus.br/SCON/jurisprudencia/toc.jsp?O=JT&b=ACOR&livre=202403531101.REG.+E+12%2F03%2F2026.FONT.) |\n| **C023** | A098. Proof that the consumer read the electronic message is not required. | S006 reasons; S007. [STJ+1](https://scon.stj.jus.br/SCON/jurisprudencia/toc.jsp?O=JT&b=ACOR&livre=202403531101.REG.+E+12%2F03%2F2026.FONT.) |\n| **C024** | A098. Electronic contact should be a consumer-provided address or number; inactive, nonexistent or bounced destinations do not establish delivery. | S006 reasons; S007. [STJ+1](https://scon.stj.jus.br/SCON/jurisprudencia/toc.jsp?O=JT&b=ACOR&livre=202403531101.REG.+E+12%2F03%2F2026.FONT.) |\n| **C025** | A098. The 2023 physical-only position is superseded on this issue by the 2026 repetitive holding. | S008 compared with S006. [STJ+1](https://www.stj.jus.br/sites/portalp/Paginas/Comunicacao/Noticias/2023/22092023-Notificacao-exclusiva-por-e-mail-nao-autoriza-inscricao-em-cadastro-de-inadimplentes.aspx) |\n| **C026** | A098. Prior notice permits payment or opposition but does not create an unstated fixed validation period. | S007 explanation; C017 limitation. [STJ](https://www.stj.jus.br/sites/portalp/Paginas/Comunicacao/Noticias/2026/11032026-Repetitivo-STJ-valida-notificacao-eletronica-a-consumidor-sobre-abertura-de-cadastro-nao-solicitado.aspx) |\n| **C027** | A098. Negative information may not remain for more than five years. | S001 art. 43 §1; S009. [Planalto+1](https://www.planalto.gov.br/ccivil_03/leis/l8078compilado.htm) |\n| **C028** | A098. The five years run from the first day after the debt’s maturity. | S011. [STJ](https://scon.stj.jus.br/jurisprudencia/externo/informativo/?acao=pesquisar&aplicacao=informativo&b=INFJ&i=1050&l=25&livre=%22REsp%22+com&p=true&t=) |\n| **C029** | A098. Debt maturity date must be present in the maintainer’s database to control the period. | S011. [STJ](https://scon.stj.jus.br/jurisprudencia/externo/informativo/?acao=pesquisar&aplicacao=informativo&b=INFJ&i=1050&l=25&livre=%22REsp%22+com&p=true&t=) |\n| **C030** | A097. Maintainer is responsible for controlling the temporal limits applicable to information in its files. | S010–S011. [STJ+1](https://scon.stj.jus.br/jurisprudencia/externo/informativo/?acao=pesquisarumaedicao&livre=%270633%27.cod.) |\n| **C031** | A098. CDC art. 43 has a five-year maximum and a separate earlier endpoint tied to prescription of the collection claim. | S001 §§1,5; S010. [Planalto+1](https://www.planalto.gov.br/ccivil_03/leis/l8078compilado.htm) |\n| **C032** | A098. Prescription of an execution route alone is not automatically the §5 collection-claim event. | S009, Súmula 323 and excerpts. [STJ](https://scon.stj.jus.br/SCON/sumstj/doc.jsp?b=SUMU&livre=%22323%22.num.) |\n| **C033** | A098. A later registration, deletion/re-entry, assignment or collector change cannot by itself restart the same debt’s maturity-based five-year period. | Inference from C028–C029; S011. [STJ](https://scon.stj.jus.br/jurisprudencia/externo/informativo/?acao=pesquisar&aplicacao=informativo&b=INFJ&i=1050&l=25&livre=%22REsp%22+com&p=true&t=) |\n| **C034** | A098. A genuinely new obligation or maturity after settlement requires the actual agreement and is not inferred from assignment or a label. | Contract/fact hold; no real agreement supplied. |\n| **C035** | A098. Removal from the negative register does not, by CDC art. 43 alone, establish debt forgiveness or zero liability. | S001 regulates information; substantive claim held. [Planalto](https://www.planalto.gov.br/ccivil_03/leis/l8078compilado.htm) |\n| **C036** | A097. Creditor must cause deletion after full and effective payment. | S012, Súmula 548. [STJ](https://scon.stj.jus.br/SCON/sumstj/doc.jsp?b=SUMU&livre=%22548%22.num.) |\n| **C037** | A098. General deletion period is five business days. | S012. [STJ](https://scon.stj.jus.br/SCON/sumstj/doc.jsp?b=SUMU&livre=%22548%22.num.) |\n| **C038** | A098. Count begins on the first business day after complete payoff funds become available to the creditor. | S012/Tema 735. [STJ+1](https://scon.stj.jus.br/SCON/sumstj/doc.jsp?b=SUMU&livre=%22548%22.num.) |\n| **C039** | A098. Cheque, boleto, transfer and comparable payments trigger the period upon effective funds availability, not merely initiation. | S012 precedent excerpt. [STJ](https://scon.stj.jus.br/SCON/sumstj/doc.jsp?b=SUMU&livre=%22548%22.num.) |\n| **C040** | A098. Partial payment alone does not satisfy Súmula 548’s integral-payment predicate. | S012 text; bounded negative. [STJ](https://scon.stj.jus.br/SCON/sumstj/doc.jsp?b=SUMU&livre=%22548%22.num.) |\n| **C041** | A098. Partial payment can create an accuracy/update issue if a stored amount no longer reflects the true balance. | S001 art. 43 §1; fact-dependent inference. [Planalto](https://www.planalto.gov.br/ccivil_03/leis/l8078compilado.htm) |\n| **C042** | A098. No universal first-instalment settlement deletion rule was established in the general authorities read. | S012 requires integral/effective payment; actual agreement held. [STJ](https://scon.stj.jus.br/SCON/sumstj/doc.jsp?b=SUMU&livre=%22548%22.num.) |\n| **C043** | A098. Complete performance of a settlement that fully satisfies the settled debt engages the full-payment principle; actual terms remain necessary. | S012 annotated precedent concerning fully performed agreement. [STJ](https://scon.stj.jus.br/SCON/sumstj/doc.jsp?b=SUMU&livre=%22548%22.num.) |\n| **C044** | A098. Consumer may demand immediate correction of inaccurate data. | S001 art. 43 §3. [Planalto](https://www.planalto.gov.br/ccivil_03/leis/l8078compilado.htm) |\n| **C045** | A097. Archivist must notify eventual recipients of corrected misinformation within five business days. | S001 art. 43 §3. [Planalto](https://www.planalto.gov.br/ccivil_03/leis/l8078compilado.htm) |\n| **C046** | A098. The five days in §3 concern recipient notification after alteration; they are not an express correction-delay period. | Textual distinction in S001 §3. [Planalto](https://www.planalto.gov.br/ccivil_03/leis/l8078compilado.htm) |\n| **C047** | A098. CDC art. 43 does not itself state a numeric ordinary access-response period. | S001 caput; full LGPD held. [Planalto](https://www.planalto.gov.br/ccivil_03/leis/l8078compilado.htm) |\n| **C048** | A097. Representative-access authority and authentication remain fact- and policy-specific. | S001 access right; no representative procedure in art. 43. [Planalto](https://www.planalto.gov.br/ccivil_03/leis/l8078compilado.htm) |\n| **C049** | A098. Mistaken identity, wrong amount, source or maturity can be inaccuracies requiring correction if proved. | S001 §§1,3; S011 maturity requirement. [Planalto+1](https://www.planalto.gov.br/ccivil_03/leis/l8078compilado.htm) |\n| **C050** | A098. An irregular entry remains subject to cancellation even where a pre-existing legitimate entry exists. | S013, Súmula 385. [STJ](https://scon.stj.jus.br/SCON/sumstj/doc.jsp?b=SUMU&livre=%22385%22.num.) |\n| **C051** | A098. Under Súmula 385, a prior legitimate entry can bar moral-damages compensation for a later irregular entry. | S013. [STJ](https://scon.stj.jus.br/SCON/sumstj/doc.jsp?b=SUMU&livre=%22385%22.num.) |\n| **C052** | A098. Súmula 385 does not validate inaccurate information or erase the cancellation right. | S013 express reservation. [STJ](https://scon.stj.jus.br/SCON/sumstj/doc.jsp?b=SUMU&livre=%22385%22.num.) |\n| **C053** | A098. Full civil remedies, causation, damages and limitation are outside this pass. | Scope hold; no damages amount inferred. |\n| **C054** | A098. Guarantor, joint debtor and secured-obligation entries require actual liability and consumer-nexus facts. | S001 art. 2 gateway; merits held. [Planalto](https://www.planalto.gov.br/ccivil_03/leis/l8078compilado.htm) |\n| **C055** | A098. Foreign/remote nexus is not resolved merely because CDC art. 3 mentions foreign suppliers. | S001 art. 3; jurisdiction/LGPD held. [Planalto](https://www.planalto.gov.br/ccivil_03/leis/l8078compilado.htm) |\n| **C056** | A098. Consumidor.gov.br is voluntary and does not replace Procon or judicial routes. | S017. [Consumidor](https://www.consumidor.gov.br/pages/conteudo/publico/1) |\n| **C057** | A098. ANPD guidance confirms separate data-subject access/correction rights, but no full LGPD conclusion is adopted here. | S018; guidance only. [Serviços e Informações do Brasil](https://www.gov.br/anpd/pt-br/assuntos/titular-de-dados/direito-dos-titulares) |\n| **C058** | A098. H03’s July 1, 2026 date depends entirely on the stipulated June 30, 2021 maturity and absence of an earlier §5 endpoint. | S003 art. 132; S011. [Planalto+1](https://www.planalto.gov.br/ccivil_03/leis/2002/l10406compilada.htm) |\n| **C059** | A098. H05’s October 26 date assumes full availability October 19 and no intervening holiday. | S012/Tema 735. [STJ](https://scon.stj.jus.br/SCON/sumstj/doc.jsp?b=SUMU&livre=%22548%22.num.) |\n| **C060** | A098. Currentness requires using final Tema 1.315 rather than the superseded 2023 electronic-notice position and rechecking sources before publication. | S006–S008. [STJ+1](https://scon.stj.jus.br/SCON/jurisprudencia/toc.jsp?O=JT&b=ACOR&livre=202403531101.REG.+E+12%2F03%2F2026.FONT.) |\n\n**Claim count: 60 displayed atomic and qualified claims, C001–C060.**\n\n# Complete granular core coverage\n\n“Answered” means only that the narrow general federal rule was identified. It does not approve an actual entry or remedy.\n\n| # | Required subquestion | Finding/claims | Status and exact next action |\n| --- | --- | --- | --- |\n| **P06-G01** | Ordinary negative-register scope | C001 | **Scoped.** Verify actual system is an ordinary negative register. |\n| **G02** | Natural-person consumer | C002 | **Conditional.** Obtain purpose, identity and debt relation. |\n| **G03** | Legal-person consumer | C002, C004 | **Conditional.** Prove final-recipient or qualifying vulnerability. |\n| **G04** | Business/MEI use | C004 | **Unresolved facts.** Separate personal and enterprise purpose. |\n| **G05** | Foreign/remote actor | C003, C055 | **Held.** Determine targeting, location, controller and applicable law. |\n| **G06** | Guarantor | C054 | **Held.** Verify guarantee and consumer nexus. |\n| **G07** | Joint debtor | C054 | **Held.** Verify joint liability and whose default is recorded. |\n| **G08** | Secured obligation | C054 | **Held.** Security merits do not decide data accuracy. |\n| **G09** | Register maintainer | C005, C015 | **Answered role.** Identify actual maintainer. |\n| **G10** | Furnishing creditor | C005–C006, C016 | **Answered role.** Verify ownership and data supplied. |\n| **G11** | Debt buyer/assignee | C006, C033–C034 | **Conditional.** Obtain assignment and any new agreement. |\n| **G12** | Requesting user | C007 | **Deferred.** Identify access basis and role. |\n| **G13** | Debtor representative | C008, C048 | **Conditional.** Obtain valid authority and authentication. |\n| **G14** | Consumer access to data | C011 | **Answered right.** Obtain actual disclosure request and response. |\n| **G15** | Access to data sources | C011 | **Answered right.** Identify furnishing source. |\n| **G16** | Objective/clear/true data | C012 | **Answered standard.** Audit each stored field. |\n| **G17** | Accessible formats | C013 | **Answered.** Determine requested format and response. |\n| **G18** | “Public character” of database | C014 | **Partial.** Do not infer unrestricted public access. |\n| **G19** | SCR | C009 | **Excluded/distinct.** Read current SCR rules separately. |\n| **G20** | Positive history/score/Pix/Cadin | C001 | **Deferred.** Separate systems and statutes. |\n| **G21** | Protest | C010 | **Excluded/distinct.** Full protest law held. |\n| **G22** | Court/judgment data | C001 | **Deferred.** Read CPC/public-record rules separately. |\n| **G23** | Prior-notice actor | C015–C016 | **Answered:** maintainer. |\n| **G24** | Notice before entry | C015, C017 | **Answered.** Reconstruct notice/entry timestamps. |\n| **G25** | Exact pre-entry day count | C017 | **No generic number found.** Do not import 30 days. |\n| **G26** | Postal return receipt | C018 | **Not required generally.** |\n| **G27** | Postal mailing proof | C019 | **Required under ordinary rule.** Obtain dispatch record. |\n| **G28** | Creditor-supplied postal address | C019 | **Answered general rule.** Obtain source address. |\n| **G29** | Consumer’s direct address update | C020 | **Adverse exception.** Prove maintainer receipt/date. |\n| **G30** | Electronic notice allowed | C021 | **Answered under Tema 1.315.** |\n| **G31** | Electronic send proof | C022 | **Required.** Obtain technical send record. |\n| **G32** | Electronic delivery proof | C022, C024 | **Required.** Obtain destination-level delivery result. |\n| **G33** | Proof of reading | C023 | **Not generally required.** |\n| **G34** | Consumer-provided electronic contact | C024 | **Material.** Establish origin and validity of contact. |\n| **G35** | Bounce/inactive address | C024 | **Insufficient delivery.** |\n| **G36** | SMS/WhatsApp/email | C021–C024 | **Potential channels.** Proof conditions remain. |\n| **G37** | 2023 email-only conflict | C025, C060 | **Resolved by 2026 repetitive thesis.** |\n| **G38** | Notice purpose | C026 | **Answered generally.** Does not create fixed waiting period. |\n| **G39** | Five-year maximum | C027 | **Answered.** Verify correct debt and clock. |\n| **G40** | Day-after-maturity trigger | C028 | **Answered.** Obtain maturity evidence. |\n| **G41** | Maturity field in database | C029 | **Required.** Inspect actual record. |\n| **G42** | Maintainer temporal control | C030 | **Answered.** Audit both limits. |\n| **G43** | Registration date versus maturity | C028, C033 | **Answered:** registration does not restart. |\n| **G44** | Re-entry of same debt | C033 | **No fresh period.** Verify debt identity. |\n| **G45** | Assignment/collector change | C006, C033 | **No restart by itself.** |\n| **G46** | New obligation after settlement | C034 | **Unresolved.** Read actual agreement. |\n| **G47** | CDC §5 prescription boundary | C031 | **Answered structurally.** Full prescription deferred. |\n| **G48** | Prescription of execution | C032 | **Not automatically sufficient.** |\n| **G49** | Debt forgiveness/voidness | C035 | **Not established.** |\n| **G50** | Full effective payment | C036 | **Deletion trigger established.** |\n| **G51** | Creditor deletion duty | C036–C037 | **Answered.** Identify current creditor. |\n| **G52** | Five-business-day period | C037–C038 | **Answered.** Verify calendar. |\n| **G53** | Complete funds availability | C038–C039 | **Required trigger.** Obtain clearing record. |\n| **G54** | Cheque/boleto/transfer | C039 | **Clearance-dependent.** |\n| **G55** | Partial payment | C040–C041 | **No automatic deletion; possible amount update.** |\n| **G56** | First settlement instalment | C042 | **No universal rule established.** |\n| **G57** | Fully performed settlement | C043 | **Full-payment principle potentially applies.** |\n| **G58** | Settlement novation/release | C034, C042–C043 | **Held.** Obtain executed agreement. |\n| **G59** | Other lawful entries | C052 | **Not automatically deleted.** |\n| **G60** | Access-response deadline under CDC | C047 | **No numeric CDC art. 43 period found.** Full LGPD held. |\n| **G61** | Immediate correction | C044, C046 | **Answered.** Do not treat five days as correction grace. |\n| **G62** | Downstream-recipient notification | C045 | **Five business days.** Identify recipients. |\n| **G63** | Mistaken identity | C049 | **Correction branch.** Prove identity mismatch. |\n| **G64** | Inaccurate amount | C041, C049 | **Correction/update branch.** Reconcile ledger. |\n| **G65** | Wrong maturity | C029, C049 | **Material error.** Correct duration data. |\n| **G66** | Wrong source/creditor | C011, C049 | **Material field.** Identify actual source. |\n| **G67** | Prior lawful entry | C050–C052 | **May affect damages, not cancellation.** |\n| **G68** | Remedies/damages | C051–C053 | **Deferred.** No award or no-liability promise. |\n| **G69** | Generic consumer route | C056 | **Described only.** No filing/contact. |\n| **G70** | Basic LGPD overlap | C057 | **Named hold.** No full analysis. |\n| **G71** | H01 no notice | C015–C017 | **Completed fiction.** |\n| **G72** | H02 wrong address/electronic failure | C018–C025 | **Completed fiction.** |\n| **G73** | H03 near five-year limit | C027–C033, C058 | **Completed date calculation.** |\n| **G74** | H04 assignment | C006, C033–C034 | **Completed fiction.** |\n| **G75** | H05 full cleared payment | C036–C039, C059 | **Completed business-day calculation.** |\n| **G76** | H06 partial settlement | C040–C043 | **Completed fiction; terms unknown.** |\n| **G77** | H07 identity/amount error | C044–C049 | **Completed fiction.** |\n| **G78** | H08 prior lawful entry | C050–C053 | **Completed fiction.** |\n| **G79** | H09 representative correction | C008, C044–C048 | **Completed fiction.** |\n| **G80** | P01 old-to-new/currentness/acceptance | C060 | **Narrow augmentation only; all broader holds retained.** |\n\n**Core-coverage count: 80 displayed rows, P06-G01 through G80.**\n\n# Separately named deferred families\n\n| # | Deferred family | Exact remaining action |\n| --- | --- | --- |\n| **P06-D01** | Full LGPD legal bases, controllers, processors and operators | Read complete current LGPD, regulations and actor-specific data flow. |\n| **D02** | LGPD access, response deadlines, sharing and rectification procedure | Reconcile CDC and LGPD with actual request and controller. |\n| **D03** | Cross-border data transfers, foreign controllers and recognition | Determine processing locations and current international-transfer rules. |\n| **D04** | Data security, incidents and fraud controls | Read current ANPD security/incident instruments and actual facts. |\n| **D05** | Cadastro Positivo | Read Lei 12.414/2011 and current implementing rules separately. |\n| **D06** | Credit scores and automated decisions | Research scoring inputs, explanations, review and discrimination separately. |\n| **D07** | SCR/Banco Central reporting | Read current CMN/BCB rules; S016 establishes distinction only. |\n| **D08** | Pix and payment-system data | Separate payment-system branch. |\n| **D09** | Cadin and other governmental debtor registers | Read specific public-law register regime. |\n| **D10** | Protest, cancellation and notarial records | Read Lei 9.492 and local notarial implementation separately. |\n| **D11** | Court-ordered negativation, judgments and public court data | Read CPC and court rules separately. |\n| **D12** | Operator/bureau policies, contracts and technical evidence standards | Obtain actual policy only after named review is authorized; policy cannot replace law. |\n| **D13** | Full debt prescription | Independently classify obligation, accrual, interruption and current Tema status; PASS-05 is unreviewed. |\n| **D14** | General collection communications and abusive conduct | Read CDC collection-conduct and sector rules separately. |\n| **D15** | Full civil remedies, damages, causation and limitation | Conduct comprehensive current judicial/citator review. |\n| **D16** | Private cases, dockets and actual credit reports | None searched; obtain only under separate authorization. |\n| **D17** | Assignment, servicing and debt-buyer authority | Obtain chain of title and current substantive law. |\n| **D18** | Settlement, novation, release and instalment-default effects | Review executed agreement; no first-instalment universal rule. |\n| **D19** | Guaranties and joint liability | Read actual instrument and substantive liability law. |\n| **D20** | Mortgages, vehicle security and other collateral | Separate secured-credit and enforcement analysis. |\n| **D21** | Product-specific banking, card, telecom, utility and insurance entries | Identify product and read special law. |\n| **D22** | Tax, support, student and public claims | Separate sovereign/program regimes. |\n| **D23** | Insolvency, recuperação, falência and court plans | Research reporting effects of the specific proceeding. |\n| **D24** | Tax treatment of forgiveness, settlement and write-offs | Obtain transaction and current tax authority. |\n| **D25** | OAB, CRA, CORECON and professional permission | Preserve P01 professional holds. |\n| **D26** | Lending and financial-activity permission | Preserve P01 financial-regulation holds. |\n| **D27** | CMN 4.935 / Joint Resolution 17 correspondents | Preserve P02 partial current-text hold. |\n| **D28** | BCB Resolution 494/payment-institution authorization | Preserve payment-rule hold. |\n| **D29** | Client-money title, custody and safeguarding | Obtain actual funds flow and current payment law. |\n| **D30** | Adviser fees, cancellation and engagement contracts | PASS-04 remains unreviewed and is not adopted here. |\n| **D31** | CDC superindebtedness, STF minimum and repactuação | Preserve prior gateway/currentness holds. |\n| **D32** | Later federal amendments and full current citator | Reopen consequential bodies before publication. |\n| **D33** | State/DF, municipal, Procon and court implementation | Research every targeted locality individually. |\n| **D34** | Language and accessibility beyond CDC art. 43 §6 | Determine actual consumer needs and applicable implementation. |\n| **D35** | Full Brazil, A097/A098, parent-program and publication acceptance | **HOLD** pending same-coordinator review and all outstanding branches. |\n\n**Deferred-family count: 35 displayed rows.**\n\n# All 27 inherited state and Distrito Federal branches\n\nThe jurisdiction names are inherited from P01. No geography API, IBGE endpoint or fresh territorial enumeration was used. No state or DF branch is cleared.\n\n| State / DF | PASS-06 status | Exact remaining local issue |\n| --- | --- | --- |\n| **Acre (AC)** | No local body read | AC Procon, court, notification evidence, local holidays and remedies. |\n| **Alagoas (AL)** | No local body read | AL consumer enforcement, court procedure, holidays and local routes. |\n| **Amapá (AP)** | No local body read | AP Procon/court implementation, accessibility and municipal procedure. |\n| **Amazonas (AM)** | No local body read | AM consumer authorities, courts, remote access and local calendars. |\n| **Bahia (BA)** | No local body read | BA Procon, court and municipal implementation of federal duties. |\n| **Ceará (CE)** | No local body read | CE consumer enforcement, courts and local notice/remedy practice. |\n| **Distrito Federal (DF)** | No local body read | DF consumer authority, TJDFT, local procedures and holidays. |\n| **Espírito Santo (ES)** | No local body read | ES Procon, courts, municipalities and evidentiary practice. |\n| **Goiás (GO)** | No local body read | GO consumer enforcement, courts and local calendar. |\n| **Maranhão (MA)** | No local body read | MA Procon, judicial routes, municipalities and accessibility. |\n| **Mato Grosso (MT)** | No local body read | MT court/consumer implementation and local procedures. |\n| **Mato Grosso do Sul (MS)** | No local body read | MS courts, Procon, border/remote issues and holidays. |\n| **Minas Gerais (MG)** | No local body read | MG consumer enforcement, courts and municipal routes. |\n| **Pará (PA)** | No local body read | PA Procon, courts, accessibility and language needs. |\n| **Paraíba (PB)** | No local body read | PB consumer authority, courts and municipal procedure. |\n| **Paraná (PR)** | No local body read | PR Procon, courts, local remedies and calendars. |\n| **Pernambuco (PE)** | No local body read | PE consumer enforcement, courts and municipalities. |\n| **Piauí (PI)** | No local body read | PI Procon, judicial procedure and local calendar. |\n| **Rio de Janeiro (RJ)** | No local body read | RJ consumer authority, courts, municipal routes and evidence practice. |\n| **Rio Grande do Norte (RN)** | No local body read | RN Procon, courts and local implementation. |\n| **Rio Grande do Sul (RS)** | No local body read | RS consumer authorities, courts and local current jurisprudence. |\n| **Rondônia (RO)** | No local body read | RO Procon, courts, remote access and municipalities. |\n| **Roraima (RR)** | No local body read | RR consumer routes, multilingual/accessibility issues and courts. |\n| **Santa Catarina (SC)** | No local body read | SC Procon, courts and local implementation. |\n| **São Paulo (SP)** | No local PASS-06 body read | SP Procon, TJSP, municipalities, local holidays and current application. |\n| **Sergipe (SE)** | No local body read | SE consumer authority, courts and municipal procedure. |\n| **Tocantins (TO)** | No local body read | TO Procon, courts, accessibility and local routes. |\n\n**Territorial count: 27 displayed rows; zero jurisdictions cleared.**\n\n# Evidence-backed article, checklist and conditional-tool opportunities\n\n| Opportunity | Supported function | Mandatory guardrail |\n| --- | --- | --- |\n| **“Who must notify me before a negative entry?”** | Explain maintainer-versus-creditor roles and postal/electronic proof. | No fixed notice-day claim. |\n| **Electronic-notice evidence checklist** | Consumer-provided destination, send record, delivery result, bounce/inactive status and entry timestamp. | No claim that a screenshot alone always proves delivery. |\n| **Negative-entry duration timeline** | Use verified maturity date and display five-year maximum from the next day. | Must also flag possible earlier CDC §5 endpoint; no “debt expired” result. |\n| **Assignment/re-entry warning** | Show that creditor or collector changes do not automatically reset the maturity-based clock. | New agreement/novation remains a legal-review branch. |\n| **Cleared-payment removal calculator** | Count five business days from first business day after verified full funds availability. | Require national/state/local holiday input and clearing evidence. |\n| **Credit-record accuracy checklist** | Identity, creditor/source, amount, maturity, payment, settlement status, duplication and duration. | No automatic deletion merely because one field is disputed. |\n| **Correction-recipient log** | Track immediate correction and five-business-day communication to prior recipients. | Do not conflate correction with damages entitlement. |\n| **System classifier** | Distinguish negative register, SCR, score, positive history, protest, Cadin and court data. | Each excluded system needs its own current law module. |\n| **Prior-entry remedies explainer** | Explain Súmula 385’s cancellation-versus-damages distinction. | No automatic damages/no-damages determination without full chronology. |\n\nA safe duration tool should output:\n\n“Candidate negative-register maximum based on the supplied maturity date. This is not a finding that the debt is prescribed, forgiven, invalid or uncollectible. An earlier CDC art. 43 §5 endpoint and payment/correction events require separate verification.”\n\nIt should never output “Your debt legally disappears on this date.”\n\n# Researcher self-check\n\n| Reconciliation item | Actual result |\n| --- | --- |\n| Assigned component | P01 D05 ordinary negative credit-register notice, duration, payment updates, access and correction only. |\n| P04/P05 reliance | **None.** Both remain unreviewed and were not adopted. |\n| Sources | **20 displayed:** 3 legal bodies; 13 STJ bodies; 2 public guidance sources; 2 failed alternates. |\n| Claims | **60 displayed**, C_BR-P06-C001–C060. |\n| Core coverage | **80 displayed**, P06-G01–G80. |\n| Deferred families | **35 displayed**, P06-D01–D35. |\n| Territorial rows | **27 displayed**, none cleared. |\n| Fictional workflows | **9 displayed**, H01–H09. |\n| Conditional calculations | H03 five-year maturity-based timeline; H05 five-business-day cleared-payment count. |\n| Actual credit report or bureau record | **None obtained or searched.** |\n| Actual consumer, creditor, provider or assignee | **None searched or classified.** |\n| Actual complaint/access/correction request | **None submitted.** |\n| Current notice conflict | Resolved narrowly through final Tema 1.315; earlier 2023 electronic restriction retained only as history. |\n| Exact pre-entry notice days | **No universal numeric period established.** |\n| Payment deletion rule | Five business days after integral effective payment, beginning next business day after full funds availability. |\n| Partial settlement | No universal first-instalment deletion rule established. |\n| Full prescription | **Deferred.** Only CDC reporting boundary independently read. |\n| LGPD | **Deferred except for identifying separate official guidance.** |\n| Source-specific clock times | **Unknown and not invented.** |\n| APIs, Deep Research, Work/Codex, subagents or new chats | **None used.** |\n| Named private case/docket lookup | **None.** Only generic official published jurisprudence and status materials were read. |\n| Coordinator files | No write performed or claimed. |\n| Model/power | No self-certified model tier, Pro status, ranking, quota or recovery claim. |\n| Review status | Not independent review or all-source certification. Same-coordinator review remains separate. |\n| Country/publication status | **HOLD.** No provider, contract, locality, A097/A098, parent or Brazil-wide acceptance. |\n\n## Exact evidence still required for a real record analysis\n\n1. Complete consumer disclosure from the relevant register.\n2. Identity and source fields.\n3. Alleged debt instrument and maturity date.\n4. Registration and prior-notice timestamps.\n5. Postal dispatch or electronic send-and-delivery evidence.\n6. Address, email or telephone provenance and update history.\n7. Assignment or servicing chain, if any.\n8. Payment and clearing records.\n9. Executed settlement and release terms.\n10. Current amount ledger and allocation of partial payments.\n11. Correction requests and maintainer responses.\n12. List of recipients that received inaccurate information.\n13. Other entries and their chronological legitimacy if Súmula 385 is raised.\n14. Applicable state/DF and municipal procedures and holidays.\n15. Current CDC, STJ, LGPD and special-system sources at the date of actual use.\n\n**Final disposition:** PASS-06 establishes the narrow federal framework for an ordinary negative consumer credit-register entry. It does not establish that any actual entry is lawful, unlawful, expired, corrected, removable, compensable, score-affecting, forgiven or collectible.\n\nEND C_BR PASS-06 \n\n","tables":[{"headers":["System or data","PASS-06 classification"],"index":0,"links":[{"href":"https://www.stj.jus.br/sites/portalp/Paginas/Comunicacao/Noticias/2026/15072026-Registro-no-SCR-nao-equivale-a-cadastro-de-negativados-e-exige-apenas-comunicacao-previa-ao-cliente.aspx","text":"STJ"},{"href":"https://scon.stj.jus.br/jurisprudencia/externo/informativo/?acao=pesquisar&aplicacao=informativo&b=INFJ&i=1050&l=25&livre=%22REsp%22+com&p=true&t=","text":"STJ"}],"row_links":[[],[],[],[],[{"href":"https://www.stj.jus.br/sites/portalp/Paginas/Comunicacao/Noticias/2026/15072026-Registro-no-SCR-nao-equivale-a-cadastro-de-negativados-e-exige-apenas-comunicacao-previa-ao-cliente.aspx","text":"STJ"}],[],[],[{"href":"https://scon.stj.jus.br/jurisprudencia/externo/informativo/?acao=pesquisar&aplicacao=informativo&b=INFJ&i=1050&l=25&livre=%22REsp%22+com&p=true&t=","text":"STJ"}],[],[],[]],"rows":[["System or data","PASS-06 classification"],["Ordinary negative consumer credit-protection entry","Within scope, subject to the precise CDC/STJ predicates below."],["Positive payment history or cadastro positivo","Deferred; no full Lei 12.414/2011 analysis."],["Credit score or automated credit profile","Deferred; no scoring model, explanation or automated-decision analysis."],["SCR/Banco Central credit-operation reporting","Distinct. The STJ held in July 2026 that SCR is not equivalent to a negative register and operates under a different communication framework. \nSTJ"],["Pix/payment-system information","Deferred and not treated as credit-negativation data."],["Cadin or another governmental debtor register","Deferred public-law category."],["Notarial protest","Distinct public/notarial function. STJ Informativo 817 expressly distinguishes the protest office from the negative-register maintainer. \nSTJ"],["Court-ordered entry, judgment record or judicial public record","Deferred procedural/public-record branch."],["Internal creditor account history","Not automatically the same as a third-party negative credit-protection entry."],["Historical accurate data retained for a lawful nonnegative purpose","Full LGPD, positive-history and retention analysis deferred."]]},{"headers":["Actor","Narrow role established here","What remains unproved"],"index":1,"links":[{"href":"https://www.planalto.gov.br/ccivil_03/leis/l8078compilado.htm","text":"Planalto"},{"href":"https://scon.stj.jus.br/SCON/sumstj/doc.jsp?b=SUMU&livre=%22359%22.num.","text":"STJ\n+2"},{"href":"https://scon.stj.jus.br/SCON/sumstj/doc.jsp?b=SUMU&livre=%22359%22.num.","text":"STJ\n+1"},{"href":"https://scon.stj.jus.br/jurisprudencia/externo/informativo/?acao=pesquisar&aplicacao=informativo&b=INFJ&i=1050&l=25&livre=%22REsp%22+com&p=true&t=","text":"STJ"},{"href":"https://scon.stj.jus.br/jurisprudencia/externo/informativo/?acao=pesquisar&aplicacao=informativo&b=INFJ&i=1050&l=25&livre=%22REsp%22+com&p=true&t=","text":"STJ"}],"row_links":[[],[{"href":"https://www.planalto.gov.br/ccivil_03/leis/l8078compilado.htm","text":"Planalto"}],[{"href":"https://scon.stj.jus.br/SCON/sumstj/doc.jsp?b=SUMU&livre=%22359%22.num.","text":"STJ\n+2"}],[{"href":"https://scon.stj.jus.br/SCON/sumstj/doc.jsp?b=SUMU&livre=%22359%22.num.","text":"STJ\n+1"}],[{"href":"https://scon.stj.jus.br/jurisprudencia/externo/informativo/?acao=pesquisar&aplicacao=informativo&b=INFJ&i=1050&l=25&livre=%22REsp%22+com&p=true&t=","text":"STJ"}],[],[],[{"href":"https://scon.stj.jus.br/jurisprudencia/externo/informativo/?acao=pesquisar&aplicacao=informativo&b=INFJ&i=1050&l=25&livre=%22REsp%22+com&p=true&t=","text":"STJ"}]],"rows":[["Actor","Narrow role established here","What remains unproved"],["Consumer/debtor","May access their stored data and sources, request accessible formats and demand immediate correction of inaccuracies. \nPlanalto","Actual identity, authority, debt, entry or request."],["Register maintainer / archivist","Gives prior notice; maintains accurate data; controls duration; makes immediate corrections; tells recipients of corrected misinformation within five business days. \nSTJ\n+2","Any actual register’s compliance or contractual data workflow."],["Creditor / furnishing source","Supplies debt information and, after full effective payment, must cause removal within the Súmula 548 period. \nSTJ\n+1","Ownership, accuracy, authority or payment status of any real debt."],["Debt buyer or assignee","May become the furnishing creditor if assignment is valid, but the change of creditor does not itself restart the original debt’s maturity-based reporting maximum. That is an inference from the STJ’s fixed maturity trigger. \nSTJ","Assignment validity, transfer date, balance, source update and any genuinely new obligation."],["Requesting third-party user / consulente","Distinct from the consumer exercising access. CDC art. 43 §3 addresses recipients of incorrect information after correction.","Full lawful-access basis, user duties, positive-credit regime and LGPD role."],["Debtor representative","May act only with appropriate authority; CDC art. 43 itself does not define the representative instrument or authentication process.","Actual mandate, identity verification and provider procedure."],["Public protest office or court","Separate function and source; not equated with the ordinary register maintainer. \nSTJ","Protest validity, court order, public-record law and procedural remedies."]]},{"headers":["Person or obligation","Narrow classification"],"index":2,"links":[],"row_links":[[],[],[],[],[],[],[],[]],"rows":[["Person or obligation","Narrow classification"],["Natural person with household consumer debt","Ordinary CDC gateway is plausible, subject to actual debt and entry."],["MEI or proprietor with personal debt","Classify personal versus enterprise purpose."],["Company using product/service as final recipient","Potential CDC consumer under art. 2."],["Company using service as production input","Generally requires specific final-recipient/vulnerability analysis; no automatic CDC status."],["Guarantor or joint debtor","Must establish actual liability, consumer nexus and whose delinquency is recorded. No universal status is inferred."],["Secured debtor","Security does not itself answer register accuracy, but security and enforcement merits are held."],["Remote or foreign operator","CDC art. 3 includes foreign suppliers in its definition; territorial jurisdiction, controller status, recognition and cross-border processing remain unresolved."]]},{"headers":["Original field","Literal saved content"],"index":3,"links":[],"row_links":[[],[],[],[],[]],"rows":[["Original field","Literal saved content"],["#","D05"],["Named deferred family","Credit reporting and correction"],["Gateway reference/status","C003, C035; Deferred"],["Exact next research action","Research CDC records, LGPD, cadastro-positive and bureau-specific current primary rules."]]},{"headers":["P01 D05 component","PASS-06 result","Remaining gate"],"index":4,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[]],"rows":[["P01 D05 component","PASS-06 result","Remaining gate"],["Ordinary negative-register actor","Maintainer notice duty, creditor payment-removal duty and archivist correction duties identified.","Actual actors, contracts, data flow and entry."],["Prior notice","Postal and electronic routes distinguished; current electronic rule resolved through final Tema 1.315.","Actual send/delivery proof and chronology."],["Duration","Five years from day after maturity, with separate §5 collection-prescription boundary.","Actual maturity, debt category and prescription."],["Payment update","Creditor’s five-business-day duty after full effective payment established.","Actual payoff, clearing and deletion request."],["Partial payment/settlement","No universal first-instalment deletion rule; truth/update duties remain.","Actual settlement and payment terms."],["Access/correction","Access to data/sources, immediate correction and five-business-day downstream communication established.","Actual request, authority, error and recipients."],["Remedies","Narrow cancellation and Súmula 385 distinction identified.","Full damages, causation, limitation and citator."],["LGPD/cadastro positivo","Not completed.","Separate full statutes, regulations and actor-specific analysis."],["State/DF/local implementation","Not researched.","Each unit and municipality separately."]]},{"headers":["Issue","Earlier position or enactment","Current result"],"index":5,"links":[{"href":"https://www.planalto.gov.br/ccivil_03/leis/l8078compilado.htm","text":"Planalto"},{"href":"https://www.planalto.gov.br/ccivil_03/_ato2015-2018/2015/lei/l13146.htm","text":"Planalto\n+1"},{"href":"https://scon.stj.jus.br/SCON/sumstj/doc.jsp?b=SUMU&livre=%22404%22.num.","text":"STJ"},{"href":"https://www.stj.jus.br/sites/portalp/Paginas/Comunicacao/Noticias/2023/22092023-Notificacao-exclusiva-por-e-mail-nao-autoriza-inscricao-em-cadastro-de-inadimplentes.aspx","text":"STJ"},{"href":"https://scon.stj.jus.br/SCON/jurisprudencia/toc.jsp?O=JT&b=ACOR&livre=202403531101.REG.+E+12%2F03%2F2026.FONT.","text":"STJ"},{"href":"https://scon.stj.jus.br/jurisprudencia/externo/informativo/?acao=pesquisar&aplicacao=informativo&b=INFJ&i=1050&l=25&livre=%22REsp%22+com&p=true&t=","text":"STJ"},{"href":"https://scon.stj.jus.br/SCON/sumstj/doc.jsp?b=SUMU&livre=%22548%22.num.","text":"STJ"},{"href":"https://www.stj.jus.br/sites/portalp/Paginas/Comunicacao/Noticias/2026/15072026-Registro-no-SCR-nao-equivale-a-cadastro-de-negativados-e-exige-apenas-comunicacao-previa-ao-cliente.aspx","text":"STJ"}],"row_links":[[],[{"href":"https://www.planalto.gov.br/ccivil_03/leis/l8078compilado.htm","text":"Planalto"}],[{"href":"https://www.planalto.gov.br/ccivil_03/_ato2015-2018/2015/lei/l13146.htm","text":"Planalto\n+1"}],[{"href":"https://scon.stj.jus.br/SCON/sumstj/doc.jsp?b=SUMU&livre=%22404%22.num.","text":"STJ"}],[{"href":"https://www.stj.jus.br/sites/portalp/Paginas/Comunicacao/Noticias/2023/22092023-Notificacao-exclusiva-por-e-mail-nao-autoriza-inscricao-em-cadastro-de-inadimplentes.aspx","text":"STJ"},{"href":"https://scon.stj.jus.br/SCON/jurisprudencia/toc.jsp?O=JT&b=ACOR&livre=202403531101.REG.+E+12%2F03%2F2026.FONT.","text":"STJ"}],[{"href":"https://scon.stj.jus.br/jurisprudencia/externo/informativo/?acao=pesquisar&aplicacao=informativo&b=INFJ&i=1050&l=25&livre=%22REsp%22+com&p=true&t=","text":"STJ"}],[{"href":"https://scon.stj.jus.br/SCON/sumstj/doc.jsp?b=SUMU&livre=%22548%22.num.","text":"STJ"}],[{"href":"https://www.stj.jus.br/sites/portalp/Paginas/Comunicacao/Noticias/2026/15072026-Registro-no-SCR-nao-equivale-a-cadastro-de-negativados-e-exige-apenas-comunicacao-previa-ao-cliente.aspx","text":"STJ"}]],"rows":[["Issue","Earlier position or enactment","Current result"],["CDC art. 43 original framework","Lei 8.078/1990.","Current compiled text read. \nPlanalto"],["Accessible formats","Added by Lei 13.146/2015 art. 100, with the law generally effective 180 days after official publication. \nPlanalto\n+1","CDC art. 43 §6 currently displayed in the compiled text."],["Postal notice","Súmula 404/Tema 59.","AR remains unnecessary under the ordinary postal route. \nSTJ"],["Email-only notice","2023 panel publication rejected it categorically. \nSTJ","Tema 1.315, final in 2026, now accepts electronic notice with proof of sending and delivery. \nSTJ"],["Five-year trigger","Older summaries sometimes described five years from “registration.”","Current 2024 STJ digest states the count begins on the first day after maturity. \nSTJ"],["Full-payment deletion","Tema 735 and Súmula 548.","Five business days from first business day after complete funds availability. \nSTJ"],["SCR","Often colloquially confused with negativation.","2026 STJ decision says SCR is not equivalent to an ordinary negative register. \nSTJ"]]},{"headers":["Source ID","Issuer, title and complete literal URL","Exact material, publication/currentness, page/index and read limit"],"index":6,"links":[{"href":"https://www.planalto.gov.br/ccivil_03/leis/l8078compilado.htm","text":"Planalto\n+1"},{"href":"https://www.planalto.gov.br/ccivil_03/_ato2015-2018/2015/lei/l13146.htm","text":"Planalto\n+1"},{"href":"https://www.planalto.gov.br/ccivil_03/leis/2002/l10406compilada.htm","text":"Planalto"},{"href":"https://scon.stj.jus.br/SCON/sumstj/doc.jsp?b=SUMU&livre=%22359%22.num.","text":"STJ"},{"href":"https://scon.stj.jus.br/SCON/sumstj/doc.jsp?b=SUMU&livre=%22404%22.num.","text":"STJ"},{"href":"https://scon.stj.jus.br/SCON/jurisprudencia/toc.jsp?O=JT&b=ACOR&livre=202403531101.REG.+E+12%2F03%2F2026.FONT.","text":"STJ"},{"href":"https://www.stj.jus.br/sites/portalp/Paginas/Comunicacao/Noticias/2026/11032026-Repetitivo-STJ-valida-notificacao-eletronica-a-consumidor-sobre-abertura-de-cadastro-nao-solicitado.aspx","text":"STJ\n+1"},{"href":"https://www.stj.jus.br/sites/portalp/Paginas/Comunicacao/Noticias/2023/22092023-Notificacao-exclusiva-por-e-mail-nao-autoriza-inscricao-em-cadastro-de-inadimplentes.aspx","text":"STJ"},{"href":"https://scon.stj.jus.br/SCON/sumstj/doc.jsp?b=SUMU&livre=%22323%22.num.","text":"STJ"},{"href":"https://scon.stj.jus.br/jurisprudencia/externo/informativo/?acao=pesquisarumaedicao&livre=%270633%27.cod.","text":"STJ"},{"href":"https://scon.stj.jus.br/jurisprudencia/externo/informativo/?acao=pesquisar&aplicacao=informativo&b=INFJ&i=1050&l=25&livre=%22REsp%22+com&p=true&t=","text":"STJ"},{"href":"https://scon.stj.jus.br/SCON/sumstj/doc.jsp?b=SUMU&livre=%22548%22.num.","text":"STJ\n+1"},{"href":"https://scon.stj.jus.br/SCON/sumstj/doc.jsp?b=SUMU&livre=%22385%22.num.","text":"STJ"},{"href":"https://scon.stj.jus.br/jurisprudencia/externo/informativo/?acao=pesquisarumaedicao&livre=%270597%27.cod.","text":"STJ"},{"href":"https://www.stj.jus.br/sites/portalp/Paginas/Comunicacao/Noticias/2024/08092024-Consumidor-pessoa-juridica-quando-as-empresas-podem-ter-a-protecao-do-CDC.aspx","text":"STJ"},{"href":"https://www.stj.jus.br/sites/portalp/Paginas/Comunicacao/Noticias/2026/15072026-Registro-no-SCR-nao-equivale-a-cadastro-de-negativados-e-exige-apenas-comunicacao-previa-ao-cliente.aspx","text":"STJ"},{"href":"https://www.consumidor.gov.br/pages/conteudo/publico/1","text":"Consumidor"},{"href":"https://www.gov.br/anpd/pt-br/assuntos/titular-de-dados/direito-dos-titulares","text":"Serviços e Informações do Brasil"}],"row_links":[[],[{"href":"https://www.planalto.gov.br/ccivil_03/leis/l8078compilado.htm","text":"Planalto\n+1"}],[{"href":"https://www.planalto.gov.br/ccivil_03/_ato2015-2018/2015/lei/l13146.htm","text":"Planalto\n+1"}],[{"href":"https://www.planalto.gov.br/ccivil_03/leis/2002/l10406compilada.htm","text":"Planalto"}],[{"href":"https://scon.stj.jus.br/SCON/sumstj/doc.jsp?b=SUMU&livre=%22359%22.num.","text":"STJ"}],[{"href":"https://scon.stj.jus.br/SCON/sumstj/doc.jsp?b=SUMU&livre=%22404%22.num.","text":"STJ"}],[{"href":"https://scon.stj.jus.br/SCON/jurisprudencia/toc.jsp?O=JT&b=ACOR&livre=202403531101.REG.+E+12%2F03%2F2026.FONT.","text":"STJ"}],[{"href":"https://www.stj.jus.br/sites/portalp/Paginas/Comunicacao/Noticias/2026/11032026-Repetitivo-STJ-valida-notificacao-eletronica-a-consumidor-sobre-abertura-de-cadastro-nao-solicitado.aspx","text":"STJ\n+1"}],[{"href":"https://www.stj.jus.br/sites/portalp/Paginas/Comunicacao/Noticias/2023/22092023-Notificacao-exclusiva-por-e-mail-nao-autoriza-inscricao-em-cadastro-de-inadimplentes.aspx","text":"STJ"}],[{"href":"https://scon.stj.jus.br/SCON/sumstj/doc.jsp?b=SUMU&livre=%22323%22.num.","text":"STJ"}],[{"href":"https://scon.stj.jus.br/jurisprudencia/externo/informativo/?acao=pesquisarumaedicao&livre=%270633%27.cod.","text":"STJ"}],[{"href":"https://scon.stj.jus.br/jurisprudencia/externo/informativo/?acao=pesquisar&aplicacao=informativo&b=INFJ&i=1050&l=25&livre=%22REsp%22+com&p=true&t=","text":"STJ"}],[{"href":"https://scon.stj.jus.br/SCON/sumstj/doc.jsp?b=SUMU&livre=%22548%22.num.","text":"STJ\n+1"}],[{"href":"https://scon.stj.jus.br/SCON/sumstj/doc.jsp?b=SUMU&livre=%22385%22.num.","text":"STJ"}],[{"href":"https://scon.stj.jus.br/jurisprudencia/externo/informativo/?acao=pesquisarumaedicao&livre=%270597%27.cod.","text":"STJ"}],[{"href":"https://www.stj.jus.br/sites/portalp/Paginas/Comunicacao/Noticias/2024/08092024-Consumidor-pessoa-juridica-quando-as-empresas-podem-ter-a-protecao-do-CDC.aspx","text":"STJ"}],[{"href":"https://www.stj.jus.br/sites/portalp/Paginas/Comunicacao/Noticias/2026/15072026-Registro-no-SCR-nao-equivale-a-cadastro-de-negativados-e-exige-apenas-comunicacao-previa-ao-cliente.aspx","text":"STJ"}],[{"href":"https://www.consumidor.gov.br/pages/conteudo/publico/1","text":"Consumidor"}],[{"href":"https://www.gov.br/anpd/pt-br/assuntos/titular-de-dados/direito-dos-titulares","text":"Serviços e Informações do Brasil"}],[],[]],"rows":[["Source ID","Issuer, title and complete literal URL","Exact material, publication/currentness, page/index and read limit"],["C_BR-P06-S001","Presidência da República, Lei nº 8.078/1990 — Código de Defesa do Consumidor, compiled. https://www.planalto.gov.br/ccivil_03/leis/l8078compilado.htm","FRESH-READ—OPERATIVE. Arts. 2–3 and 43 caput, §§1–6; art. 118 inspected for original commencement context. Current compiled text read. Printed page not established; PDF index N/A. Full LGPD, Cadastro Positivo, remedies and collection-conduct law not read. \nPlanalto\n+1"],["S002","Presidência da República, Lei nº 13.146/2015 — Estatuto da Pessoa com Deficiência. https://www.planalto.gov.br/ccivil_03/_ato2015-2018/2015/lei/l13146.htm","FRESH-READ—OPERATIVE AMENDMENT. Art. 100 adding CDC art. 43 §6; art. 127, law effective 180 days after publication; DOU July 7, 2015. Printed page not established; PDF N/A. Only the CDC amendment/currentness branch read. \nPlanalto\n+1"],["S003","Presidência da República, Lei nº 10.406/2002 — Código Civil, compiled. https://www.planalto.gov.br/ccivil_03/leis/2002/l10406compilada.htm","FRESH-READ—OPERATIVE, LIMITED. Art. 132 caput and §§1–3 only, for the fictional civil-year calculation. Printed page not established; PDF N/A. No prescription merits or contract analysis adopted from PASS-05. \nPlanalto"],["S004","Superior Tribunal de Justiça, Súmula 359. https://scon.stj.jus.br/SCON/sumstj/doc.jsp?b=SUMU&livre=%22359%22.num.","FRESH-READ—SÚMULA. Enunciado and relevant original-precedent excerpts: maintainer gives notice before entry. Judged August 13, 2008; DJe September 8, 2008. Official source references RSSTJ vol. 31 p. 397 and RSTJ vol. 211 p. 548. PDF N/A. Debt-accuracy liability not exhaustively decided. \nSTJ"],["S005","Superior Tribunal de Justiça, Súmula 404 / Tema 59 source page. https://scon.stj.jus.br/SCON/sumstj/doc.jsp?b=SUMU&livre=%22404%22.num.","FRESH-READ—SÚMULA. Enunciado and Tema 59 excerpts: no postal AR required; proof of dispatch to creditor-supplied address. Judged October 28, 2009; DJe November 24, 2009. RSSTJ vol. 38 p. 131; RSTJ vol. 216 p. 759. PDF N/A. Electronic notice controlled by later Tema 1.315. \nSTJ"],["S006","Superior Tribunal de Justiça, Tema Repetitivo 1.315 / REsp 2.171.003 official jurisprudence page. https://scon.stj.jus.br/SCON/jurisprudencia/toc.jsp?O=JT&b=ACOR&livre=202403531101.REG.+E+12/03/2026.FONT.","FRESH-READ—QUALIFIED PRECEDENT. Final-status field; thesis; ementa and reasons at displayed lines 388–444. Judged March 5, 2026; DJEN March 12, 2026; page shows Trânsito em Julgado. Printed page not shown; PDF N/A. Full individual records not searched. \nSTJ"],["S007","Superior Tribunal de Justiça, “Repetitivo: STJ valida notificação eletrônica…”. https://www.stj.jus.br/sites/portalp/Paginas/Comunicacao/Noticias/2026/11032026-Repetitivo-STJ-valida-notificacao-eletronica-a-consumidor-sobre-abertura-de-cadastro-nao-solicitado.aspx","FRESH-READ—OFFICIAL INTERPRETATION. Published March 11, 2026; reasoning on consumer-supplied contact, send/delivery proof, failed delivery and no reading requirement. Not a substitute for the thesis, but explains it. Printed page/PDF N/A. \nSTJ\n+1"],["S008","Superior Tribunal de Justiça, “Notificação exclusiva por e-mail não autoriza inscrição…”. https://www.stj.jus.br/sites/portalp/Paginas/Comunicacao/Noticias/2023/22092023-Notificacao-exclusiva-por-e-mail-nao-autoriza-inscricao-em-cadastro-de-inadimplentes.aspx","HISTORICAL—SUPERSEDED IN PART. Published September 22, 2023. Earlier panel position rejecting email-only notice. Retained only to document conflict resolved by 2026 Tema 1.315. Printed page/PDF N/A. \nSTJ"],["S009","Superior Tribunal de Justiça, Súmula 323. https://scon.stj.jus.br/SCON/sumstj/doc.jsp?b=SUMU&livre=%22323%22.num.","FRESH-READ—SÚMULA. Five-year maximum and distinction from prescription of execution. Revisited November 25, 2009; DJe December 16, 2009; historical DJ December 5, 2005 p. 410; RSSTJ vol. 26 p. 345; RSTJ vol. 198 p. 632. PDF N/A. Full substantive prescription law not read. \nSTJ"],["S010","Superior Tribunal de Justiça, Informativo de Jurisprudência nº 633. https://scon.stj.jus.br/jurisprudencia/externo/informativo/?acao=pesquisarumaedicao&livre=%270633%27.cod.","FRESH-READ—OFFICIAL INTERPRETATION. Item concerning maintainers, maturity information and both CDC art. 43 temporal limits; decision September 11, 2018, DJe September 21, 2018; Informativo dated October 11, 2018. Printed page/PDF N/A. Protest merits excluded. \nSTJ"],["S011","Superior Tribunal de Justiça, Informativo de Jurisprudência nº 817 — five-year maturity-date item. https://scon.stj.jus.br/jurisprudencia/externo/informativo/?acao=pesquisar&aplicacao=informativo&b=INFJ&i=1050&l=25&livre=%22REsp%22+com&p=true&t=","FRESH-READ—OFFICIAL INTERPRETATION. Item displayed at lines 588–613: five years from first day after maturity; maturity date required; negative-register/protest distinction. Decision June 11, 2024; DJe June 18, 2024; item dated June 25, 2024. Printed page/PDF N/A. \nSTJ"],["S012","Superior Tribunal de Justiça, Súmula 548 / Tema 735 source page. https://scon.stj.jus.br/SCON/sumstj/doc.jsp?b=SUMU&livre=%22548%22.num.","FRESH-READ—SÚMULA. Full effective payment; creditor; five business days; first business day after complete funds availability; clearance-dependent payments. Judged October 14, 2015; DJe October 19, 2015; RSSTJ vol. 45 p. 265; RSTJ vol. 243 p. 1091. PDF N/A. Partial settlement merits not established. \nSTJ\n+1"],["S013","Superior Tribunal de Justiça, Súmula 385. https://scon.stj.jus.br/SCON/sumstj/doc.jsp?b=SUMU&livre=%22385%22.num.","FRESH-READ—SÚMULA. Prior legitimate entry, moral-damages limitation and preserved cancellation right. Judged May 27, 2009; DJe June 8, 2009; RSSTJ vol. 35 p. 181; RSTJ vol. 214 p. 541. PDF N/A. Complete damages/remedies citator deferred. \nSTJ"],["S014","Superior Tribunal de Justiça, Informativo de Jurisprudência nº 597. https://scon.stj.jus.br/jurisprudencia/externo/informativo/?acao=pesquisarumaedicao&livre=%270597%27.cod.","FRESH-READ—OFFICIAL INTERPRETATION. Wrong-address distinction where consumer directly updated maintainer; decision December 15, 2016, DJe February 6, 2017; Informativo March 15, 2017. Printed page/PDF N/A. Liability and damages remain fact-specific. \nSTJ"],["S015","Superior Tribunal de Justiça, “Consumidor pessoa jurídica: quando as empresas podem ter a proteção do CDC?”. https://www.stj.jus.br/sites/portalp/Paginas/Comunicacao/Noticias/2024/08092024-Consumidor-pessoa-juridica-quando-as-empresas-podem-ter-a-protecao-do-CDC.aspx","FRESH-READ—OFFICIAL INTERPRETATION. Published September 8, 2024; final-recipient and mitigated-finalism/vulnerability explanation. Printed page/PDF N/A. Not a categorical finding for any actual company. \nSTJ"],["S016","Superior Tribunal de Justiça, “Registro no SCR não equivale a cadastro de negativados…”. https://www.stj.jus.br/sites/portalp/Paginas/Comunicacao/Noticias/2026/15072026-Registro-no-SCR-nao-equivale-a-cadastro-de-negativados-e-exige-apenas-comunicacao-previa-ao-cliente.aspx","FRESH-READ—OFFICIAL INTERPRETATION. Published July 15, 2026; SCR treated as distinct regulatory credit-information system. Printed page/PDF N/A. SCR substantive rules excluded. \nSTJ"],["S017","Secretaria Nacional do Consumidor, Conheça o Consumidor.gov.br. https://www.consumidor.gov.br/pages/conteudo/publico/1","GUIDANCE-READ. Voluntary direct consumer-company platform; not an administrative procedure and not a replacement for Procon/court channels. Live page read on access date; page-specific commencement not applicable. Printed page/PDF N/A. No complaint or company search performed. \nConsumidor"],["S018","Agência Nacional de Proteção de Dados, Direito dos Titulares. https://www.gov.br/anpd/pt-br/assuntos/titular-de-dados/direito-dos-titulares","GUIDANCE-READ. General access and correction guidance read only to identify the separate LGPD branch. Not used as a complete LGPD legal analysis or credit-register deadline source. Printed page/PDF N/A. \nServiços e Informações do Brasil"],["S019","Superior Tribunal de Justiça, attempted direct Informativo item 020788. https://scon.stj.jus.br/jurisprudencia/externo/informativo/?livre=%40CNOT%3D020788","FAILED-ALTERNATE. Direct item returned inaccessible/internal-error response. No proposition derives from it; readable S011 edition/search page was used. Printed page/PDF N/A. (Invalid URL)"],["S020","Superior Tribunal de Justiça, attempted direct Informativo item 016777. https://scon.stj.jus.br/jurisprudencia/externo/informativo/?livre=%40CNOT%3D016777","FAILED-ALTERNATE. Direct item returned inaccessible/internal-error response. No proposition derives from it; readable S010 edition page was used. Printed page/PDF N/A. (Invalid URL)"]]},{"headers":["Claim ID","Area; exact proposition, conditions, required act/effect and hold","Source and pinpoint"],"index":7,"links":[{"href":"https://www.stj.jus.br/sites/portalp/Paginas/Comunicacao/Noticias/2026/15072026-Registro-no-SCR-nao-equivale-a-cadastro-de-negativados-e-exige-apenas-comunicacao-previa-ao-cliente.aspx","text":"STJ"},{"href":"https://www.planalto.gov.br/ccivil_03/leis/l8078compilado.htm","text":"Planalto"},{"href":"https://www.planalto.gov.br/ccivil_03/leis/l8078compilado.htm","text":"Planalto"},{"href":"https://www.stj.jus.br/sites/portalp/Paginas/Comunicacao/Noticias/2024/08092024-Consumidor-pessoa-juridica-quando-as-empresas-podem-ter-a-protecao-do-CDC.aspx","text":"STJ\n+1"},{"href":"https://scon.stj.jus.br/SCON/sumstj/doc.jsp?b=SUMU&livre=%22359%22.num.","text":"STJ\n+2"},{"href":"https://scon.stj.jus.br/jurisprudencia/externo/informativo/?acao=pesquisar&aplicacao=informativo&b=INFJ&i=1050&l=25&livre=%22REsp%22+com&p=true&t=","text":"STJ"},{"href":"https://www.planalto.gov.br/ccivil_03/leis/l8078compilado.htm","text":"Planalto"},{"href":"https://www.planalto.gov.br/ccivil_03/leis/l8078compilado.htm","text":"Planalto"},{"href":"https://www.stj.jus.br/sites/portalp/Paginas/Comunicacao/Noticias/2026/15072026-Registro-no-SCR-nao-equivale-a-cadastro-de-negativados-e-exige-apenas-comunicacao-previa-ao-cliente.aspx","text":"STJ"},{"href":"https://scon.stj.jus.br/jurisprudencia/externo/informativo/?acao=pesquisar&aplicacao=informativo&b=INFJ&i=1050&l=25&livre=%22REsp%22+com&p=true&t=","text":"STJ"},{"href":"https://www.planalto.gov.br/ccivil_03/leis/l8078compilado.htm","text":"Planalto"},{"href":"https://www.planalto.gov.br/ccivil_03/leis/l8078compilado.htm","text":"Planalto"},{"href":"https://www.planalto.gov.br/ccivil_03/leis/l8078compilado.htm","text":"Planalto\n+1"},{"href":"https://www.planalto.gov.br/ccivil_03/leis/l8078compilado.htm","text":"Planalto"},{"href":"https://scon.stj.jus.br/SCON/sumstj/doc.jsp?b=SUMU&livre=%22359%22.num.","text":"STJ"},{"href":"https://scon.stj.jus.br/SCON/sumstj/doc.jsp?b=SUMU&livre=%22359%22.num.","text":"STJ"},{"href":"https://www.planalto.gov.br/ccivil_03/leis/l8078compilado.htm","text":"Planalto\n+2"},{"href":"https://scon.stj.jus.br/SCON/sumstj/doc.jsp?b=SUMU&livre=%22404%22.num.","text":"STJ"},{"href":"https://scon.stj.jus.br/SCON/sumstj/doc.jsp?b=SUMU&livre=%22404%22.num.","text":"STJ"},{"href":"https://scon.stj.jus.br/jurisprudencia/externo/informativo/?acao=pesquisarumaedicao&livre=%270597%27.cod.","text":"STJ"},{"href":"https://scon.stj.jus.br/SCON/jurisprudencia/toc.jsp?O=JT&b=ACOR&livre=202403531101.REG.+E+12%2F03%2F2026.FONT.","text":"STJ"},{"href":"https://scon.stj.jus.br/SCON/jurisprudencia/toc.jsp?O=JT&b=ACOR&livre=202403531101.REG.+E+12%2F03%2F2026.FONT.","text":"STJ\n+1"},{"href":"https://scon.stj.jus.br/SCON/jurisprudencia/toc.jsp?O=JT&b=ACOR&livre=202403531101.REG.+E+12%2F03%2F2026.FONT.","text":"STJ\n+1"},{"href":"https://scon.stj.jus.br/SCON/jurisprudencia/toc.jsp?O=JT&b=ACOR&livre=202403531101.REG.+E+12%2F03%2F2026.FONT.","text":"STJ\n+1"},{"href":"https://www.stj.jus.br/sites/portalp/Paginas/Comunicacao/Noticias/2023/22092023-Notificacao-exclusiva-por-e-mail-nao-autoriza-inscricao-em-cadastro-de-inadimplentes.aspx","text":"STJ\n+1"},{"href":"https://www.stj.jus.br/sites/portalp/Paginas/Comunicacao/Noticias/2026/11032026-Repetitivo-STJ-valida-notificacao-eletronica-a-consumidor-sobre-abertura-de-cadastro-nao-solicitado.aspx","text":"STJ"},{"href":"https://www.planalto.gov.br/ccivil_03/leis/l8078compilado.htm","text":"Planalto\n+1"},{"href":"https://scon.stj.jus.br/jurisprudencia/externo/informativo/?acao=pesquisar&aplicacao=informativo&b=INFJ&i=1050&l=25&livre=%22REsp%22+com&p=true&t=","text":"STJ"},{"href":"https://scon.stj.jus.br/jurisprudencia/externo/informativo/?acao=pesquisar&aplicacao=informativo&b=INFJ&i=1050&l=25&livre=%22REsp%22+com&p=true&t=","text":"STJ"},{"href":"https://scon.stj.jus.br/jurisprudencia/externo/informativo/?acao=pesquisarumaedicao&livre=%270633%27.cod.","text":"STJ\n+1"},{"href":"https://www.planalto.gov.br/ccivil_03/leis/l8078compilado.htm","text":"Planalto\n+1"},{"href":"https://scon.stj.jus.br/SCON/sumstj/doc.jsp?b=SUMU&livre=%22323%22.num.","text":"STJ"},{"href":"https://scon.stj.jus.br/jurisprudencia/externo/informativo/?acao=pesquisar&aplicacao=informativo&b=INFJ&i=1050&l=25&livre=%22REsp%22+com&p=true&t=","text":"STJ"},{"href":"https://www.planalto.gov.br/ccivil_03/leis/l8078compilado.htm","text":"Planalto"},{"href":"https://scon.stj.jus.br/SCON/sumstj/doc.jsp?b=SUMU&livre=%22548%22.num.","text":"STJ"},{"href":"https://scon.stj.jus.br/SCON/sumstj/doc.jsp?b=SUMU&livre=%22548%22.num.","text":"STJ"},{"href":"https://scon.stj.jus.br/SCON/sumstj/doc.jsp?b=SUMU&livre=%22548%22.num.","text":"STJ\n+1"},{"href":"https://scon.stj.jus.br/SCON/sumstj/doc.jsp?b=SUMU&livre=%22548%22.num.","text":"STJ"},{"href":"https://scon.stj.jus.br/SCON/sumstj/doc.jsp?b=SUMU&livre=%22548%22.num.","text":"STJ"},{"href":"https://www.planalto.gov.br/ccivil_03/leis/l8078compilado.htm","text":"Planalto"},{"href":"https://scon.st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Scope is limited to ordinary negative consumer credit-register entries, not score, SCR, positive history, protest, Cadin or court records.","Research scope; S016 confirms SCR distinction. \nSTJ"],["C002","A098. A natural or legal person may be a CDC consumer when using the service as final recipient.","S001 art. 2. \nPlanalto"],["C003","A097. CDC supplier definition includes domestic and foreign suppliers and remunerated credit/financial services; cross-border application remains factual.","S001 art. 3 caput and §2. \nPlanalto"],["C004","A098. Enterprise use does not automatically establish or defeat CDC status; concrete final-recipient and vulnerability analysis may be required.","S015; official STJ explanation. \nSTJ\n+1"],["C005","A097. The register maintainer, furnishing creditor, requesting user and debtor are distinct actors.","S004; S001 art. 43; S012. \nSTJ\n+2"],["C006","A097. A debt buyer or assignee does not gain a new reporting period merely through assignment of the same matured debt.","Inference from S011’s maturity-based trigger; actual assignment/new obligation held. \nSTJ"],["C007","A097. Third-party requesting-user access and duties are not fully governed by CDC art. 43 alone and remain deferred.","S001 art. 43 caput/§3; bounded limit. \nPlanalto"],["C008","A097. A representative needs valid authority; CDC art. 43 does not define the required mandate/authentication method.","S001 art. 43; factual/procedural hold. \nPlanalto"],["C009","A098. SCR is not equivalent to an ordinary negative register.","S016, STJ July 2026. \nSTJ"],["C010","A098. A negative-register maintainer and a protest office perform different functions.","S011 lines 610–613. \nSTJ"],["C011","A098. Consumer has access to stored information about them and its sources.","S001 art. 43 caput. \nPlanalto"],["C012","A098. Consumer data must be objective, clear, true and understandable.","S001 art. 43 §1. \nPlanalto"],["C013","A098. Art. 43 information must be available in accessible formats upon consumer request.","S001 art. 43 §6; S002 art. 100. \nPlanalto\n+1"],["C014","A098. Art. 43 §4’s public-character designation does not itself resolve unrestricted third-party access; that legal branch remains held.","S001 art. 43 §4; bounded interpretation. \nPlanalto"],["C015","A097. Maintainer must notify the debtor before making the entry.","S004, Súmula 359. \nSTJ"],["C016","A097. Ordinary §2 notice duty belongs to the maintainer, not the creditor that merely furnishes the debt data.","S004 precedent excerpts. \nSTJ"],["C017","A098. Reviewed federal texts require prior notice but establish no universal numeric pre-entry waiting period.","S001 art. 43 §2; S004–S006. \nPlanalto\n+2"],["C018","A098. Postal notice does not require return receipt.","S005, Súmula 404. \nSTJ"],["C019","A098. Ordinary postal proof is dispatch to the address furnished by the creditor.","S005/Tema 59 excerpts. \nSTJ"],["C020","A098. A maintainer that ignores an address directly supplied by the consumer may face a different result.","S014, Informativo 597. \nSTJ"],["C021","A098. Electronic notice is valid under final Tema 1.315 if sending and delivery are proved.","S006 thesis. \nSTJ"],["C022","A098. Electronic proof must establish both actual sending and delivery to the destination.","S006–S007. \nSTJ\n+1"],["C023","A098. Proof that the consumer read the electronic message is not required.","S006 reasons; S007. \nSTJ\n+1"],["C024","A098. Electronic contact should be a consumer-provided address or number; inactive, nonexistent or bounced destinations do not establish delivery.","S006 reasons; S007. \nSTJ\n+1"],["C025","A098. The 2023 physical-only position is superseded on this issue by the 2026 repetitive holding.","S008 compared with S006. \nSTJ\n+1"],["C026","A098. Prior notice permits payment or opposition but does not create an unstated fixed validation period.","S007 explanation; C017 limitation. \nSTJ"],["C027","A098. Negative information may not remain for more than five years.","S001 art. 43 §1; S009. \nPlanalto\n+1"],["C028","A098. The five years run from the first day after the debt’s maturity.","S011. \nSTJ"],["C029","A098. Debt maturity date must be present in the maintainer’s database to control the period.","S011. \nSTJ"],["C030","A097. Maintainer is responsible for controlling the temporal limits applicable to information in its files.","S010–S011. \nSTJ\n+1"],["C031","A098. CDC art. 43 has a five-year maximum and a separate earlier endpoint tied to prescription of the collection claim.","S001 §§1,5; S010. \nPlanalto\n+1"],["C032","A098. Prescription of an execution route alone is not automatically the §5 collection-claim event.","S009, Súmula 323 and excerpts. \nSTJ"],["C033","A098. A later registration, deletion/re-entry, assignment or collector change cannot by itself restart the same debt’s maturity-based five-year period.","Inference from C028–C029; S011. \nSTJ"],["C034","A098. A genuinely new obligation or maturity after settlement requires the actual agreement and is not inferred from assignment or a label.","Contract/fact hold; no real agreement supplied."],["C035","A098. Removal from the negative register does not, by CDC art. 43 alone, establish debt forgiveness or zero liability.","S001 regulates information; substantive claim held. \nPlanalto"],["C036","A097. Creditor must cause deletion after full and effective payment.","S012, Súmula 548. \nSTJ"],["C037","A098. General deletion period is five business days.","S012. \nSTJ"],["C038","A098. Count begins on the first business day after complete payoff funds become available to the creditor.","S012/Tema 735. \nSTJ\n+1"],["C039","A098. Cheque, boleto, transfer and comparable payments trigger the period upon effective funds availability, not merely initiation.","S012 precedent excerpt. \nSTJ"],["C040","A098. Partial payment alone does not satisfy Súmula 548’s integral-payment predicate.","S012 text; bounded negative. \nSTJ"],["C041","A098. Partial payment can create an accuracy/update issue if a stored amount no longer reflects the true balance.","S001 art. 43 §1; fact-dependent inference. \nPlanalto"],["C042","A098. No universal first-instalment settlement deletion rule was established in the general authorities read.","S012 requires integral/effective payment; actual agreement held. \nSTJ"],["C043","A098. Complete performance of a settlement that fully satisfies the settled debt engages the full-payment principle; actual terms remain necessary.","S012 annotated precedent concerning fully performed agreement. \nSTJ"],["C044","A098. Consumer may demand immediate correction of inaccurate data.","S001 art. 43 §3. \nPlanalto"],["C045","A097. Archivist must notify eventual recipients of corrected misinformation within five business days.","S001 art. 43 §3. \nPlanalto"],["C046","A098. The five days in §3 concern recipient notification after alteration; they are not an express correction-delay period.","Textual distinction in S001 §3. \nPlanalto"],["C047","A098. CDC art. 43 does not itself state a numeric ordinary access-response period.","S001 caput; full LGPD held. \nPlanalto"],["C048","A097. Representative-access authority and authentication remain fact- and policy-specific.","S001 access right; no representative procedure in art. 43. \nPlanalto"],["C049","A098. Mistaken identity, wrong amount, source or maturity can be inaccuracies requiring correction if proved.","S001 §§1,3; S011 maturity requirement. \nPlanalto\n+1"],["C050","A098. An irregular entry remains subject to cancellation even where a pre-existing legitimate entry exists.","S013, Súmula 385. \nSTJ"],["C051","A098. Under Súmula 385, a prior legitimate entry can bar moral-damages compensation for a later irregular entry.","S013. \nSTJ"],["C052","A098. Súmula 385 does not validate inaccurate information or erase the cancellation right.","S013 express reservation. \nSTJ"],["C053","A098. Full civil remedies, causation, damages and limitation are outside this pass.","Scope hold; no damages amount inferred."],["C054","A098. Guarantor, joint debtor and secured-obligation entries require actual liability and consumer-nexus facts.","S001 art. 2 gateway; merits held. \nPlanalto"],["C055","A098. Foreign/remote nexus is not resolved merely because CDC art. 3 mentions foreign suppliers.","S001 art. 3; jurisdiction/LGPD held. \nPlanalto"],["C056","A098. Consumidor.gov.br is voluntary and does not replace Procon or judicial routes.","S017. \nConsumidor"],["C057","A098. ANPD guidance confirms separate data-subject access/correction rights, but no full LGPD conclusion is adopted here.","S018; guidance only. \nServiços e Informações do Brasil"],["C058","A098. H03’s July 1, 2026 date depends entirely on the stipulated June 30, 2021 maturity and absence of an earlier §5 endpoint.","S003 art. 132; S011. \nPlanalto\n+1"],["C059","A098. H05’s October 26 date assumes full availability October 19 and no intervening holiday.","S012/Tema 735. \nSTJ"],["C060","A098. Currentness requires using final Tema 1.315 rather than the superseded 2023 electronic-notice position and rechecking sources before publication.","S006–S008. \nSTJ\n+1"]]},{"headers":["#","Required subquestion","Finding/claims","Status and exact next action"],"index":8,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["#","Required subquestion","Finding/claims","Status and exact next action"],["P06-G01","Ordinary negative-register scope","C001","Scoped. Verify actual system is an ordinary negative register."],["G02","Natural-person consumer","C002","Conditional. Obtain purpose, identity and debt relation."],["G03","Legal-person consumer","C002, C004","Conditional. Prove final-recipient or qualifying vulnerability."],["G04","Business/MEI use","C004","Unresolved facts. Separate personal and enterprise purpose."],["G05","Foreign/remote actor","C003, C055","Held. Determine targeting, location, controller and applicable law."],["G06","Guarantor","C054","Held. Verify guarantee and consumer nexus."],["G07","Joint debtor","C054","Held. Verify joint liability and whose default is recorded."],["G08","Secured obligation","C054","Held. Security merits do not decide data accuracy."],["G09","Register maintainer","C005, C015","Answered role. Identify actual maintainer."],["G10","Furnishing creditor","C005–C006, C016","Answered role. Verify ownership and data supplied."],["G11","Debt buyer/assignee","C006, C033–C034","Conditional. Obtain assignment and any new agreement."],["G12","Requesting user","C007","Deferred. Identify access basis and role."],["G13","Debtor representative","C008, C048","Conditional. Obtain valid authority and authentication."],["G14","Consumer access to data","C011","Answered right. Obtain actual disclosure request and response."],["G15","Access to data sources","C011","Answered right. Identify furnishing source."],["G16","Objective/clear/true data","C012","Answered standard. Audit each stored field."],["G17","Accessible formats","C013","Answered. Determine requested format and response."],["G18","“Public character” of database","C014","Partial. Do not infer unrestricted public access."],["G19","SCR","C009","Excluded/distinct. Read current SCR rules separately."],["G20","Positive history/score/Pix/Cadin","C001","Deferred. Separate systems and statutes."],["G21","Protest","C010","Excluded/distinct. Full protest law held."],["G22","Court/judgment data","C001","Deferred. Read CPC/public-record rules separately."],["G23","Prior-notice actor","C015–C016","Answered: maintainer."],["G24","Notice before entry","C015, C017","Answered. Reconstruct notice/entry timestamps."],["G25","Exact pre-entry day count","C017","No generic number found. Do not import 30 days."],["G26","Postal return receipt","C018","Not required generally."],["G27","Postal mailing proof","C019","Required under ordinary rule. Obtain dispatch record."],["G28","Creditor-supplied postal address","C019","Answered general rule. Obtain source address."],["G29","Consumer’s direct address update","C020","Adverse exception. Prove maintainer receipt/date."],["G30","Electronic notice allowed","C021","Answered under Tema 1.315."],["G31","Electronic send proof","C022","Required. Obtain technical send record."],["G32","Electronic delivery proof","C022, C024","Required. Obtain destination-level delivery result."],["G33","Proof of reading","C023","Not generally required."],["G34","Consumer-provided electronic contact","C024","Material. Establish origin and validity of contact."],["G35","Bounce/inactive address","C024","Insufficient delivery."],["G36","SMS/WhatsApp/email","C021–C024","Potential channels. Proof conditions remain."],["G37","2023 email-only conflict","C025, C060","Resolved by 2026 repetitive thesis."],["G38","Notice purpose","C026","Answered generally. Does not create fixed waiting period."],["G39","Five-year maximum","C027","Answered. Verify correct debt and clock."],["G40","Day-after-maturity trigger","C028","Answered. Obtain maturity evidence."],["G41","Maturity field in database","C029","Required. Inspect actual record."],["G42","Maintainer temporal control","C030","Answered. Audit both limits."],["G43","Registration date versus maturity","C028, C033","Answered: registration does not restart."],["G44","Re-entry of same debt","C033","No fresh period. Verify debt identity."],["G45","Assignment/collector change","C006, C033","No restart by itself."],["G46","New obligation after settlement","C034","Unresolved. Read actual agreement."],["G47","CDC §5 prescription boundary","C031","Answered structurally. Full prescription deferred."],["G48","Prescription of execution","C032","Not automatically sufficient."],["G49","Debt forgiveness/voidness","C035","Not established."],["G50","Full effective payment","C036","Deletion trigger established."],["G51","Creditor deletion duty","C036–C037","Answered. Identify current creditor."],["G52","Five-business-day period","C037–C038","Answered. Verify calendar."],["G53","Complete funds availability","C038–C039","Required trigger. Obtain clearing record."],["G54","Cheque/boleto/transfer","C039","Clearance-dependent."],["G55","Partial payment","C040–C041","No automatic deletion; possible amount update."],["G56","First settlement instalment","C042","No universal rule established."],["G57","Fully performed settlement","C043","Full-payment principle potentially applies."],["G58","Settlement novation/release","C034, C042–C043","Held. Obtain executed agreement."],["G59","Other lawful entries","C052","Not automatically deleted."],["G60","Access-response deadline under CDC","C047","No numeric CDC art. 43 period found. Full LGPD held."],["G61","Immediate correction","C044, C046","Answered. Do not treat five days as correction grace."],["G62","Downstream-recipient notification","C045","Five business days. Identify recipients."],["G63","Mistaken identity","C049","Correction branch. Prove identity mismatch."],["G64","Inaccurate amount","C041, C049","Correction/update branch. Reconcile ledger."],["G65","Wrong maturity","C029, C049","Material error. Correct duration data."],["G66","Wrong source/creditor","C011, C049","Material field. Identify actual source."],["G67","Prior lawful entry","C050–C052","May affect damages, not cancellation."],["G68","Remedies/damages","C051–C053","Deferred. No award or no-liability promise."],["G69","Generic consumer route","C056","Described only. No filing/contact."],["G70","Basic LGPD overlap","C057","Named hold. No full analysis."],["G71","H01 no notice","C015–C017","Completed fiction."],["G72","H02 wrong address/electronic failure","C018–C025","Completed fiction."],["G73","H03 near five-year limit","C027–C033, C058","Completed date calculation."],["G74","H04 assignment","C006, C033–C034","Completed fiction."],["G75","H05 full cleared payment","C036–C039, C059","Completed business-day calculation."],["G76","H06 partial settlement","C040–C043","Completed fiction; terms unknown."],["G77","H07 identity/amount error","C044–C049","Completed fiction."],["G78","H08 prior lawful entry","C050–C053","Completed fiction."],["G79","H09 representative correction","C008, C044–C048","Completed fiction."],["G80","P01 old-to-new/currentness/acceptance","C060","Narrow augmentation only; all broader holds retained."]]},{"headers":["#","Deferred family","Exact remaining action"],"index":9,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["#","Deferred family","Exact remaining action"],["P06-D01","Full LGPD legal bases, controllers, processors and operators","Read complete current LGPD, regulations and actor-specific data flow."],["D02","LGPD access, response deadlines, sharing and rectification procedure","Reconcile CDC and LGPD with actual request and controller."],["D03","Cross-border data transfers, foreign controllers and recognition","Determine processing locations and current international-transfer rules."],["D04","Data security, incidents and fraud controls","Read current ANPD security/incident instruments and actual facts."],["D05","Cadastro Positivo","Read Lei 12.414/2011 and current implementing rules separately."],["D06","Credit scores and automated decisions","Research scoring inputs, explanations, review and discrimination separately."],["D07","SCR/Banco Central reporting","Read current CMN/BCB rules; S016 establishes distinction only."],["D08","Pix and payment-system data","Separate payment-system branch."],["D09","Cadin and other governmental debtor registers","Read specific public-law register regime."],["D10","Protest, cancellation and notarial records","Read Lei 9.492 and local notarial implementation separately."],["D11","Court-ordered negativation, judgments and public court data","Read CPC and court rules separately."],["D12","Operator/bureau policies, contracts and technical evidence standards","Obtain actual policy only after named review is authorized; policy cannot replace law."],["D13","Full debt prescription","Independently classify obligation, accrual, interruption and current Tema status; PASS-05 is unreviewed."],["D14","General collection communications and abusive conduct","Read CDC collection-conduct and sector rules separately."],["D15","Full civil remedies, damages, causation and limitation","Conduct comprehensive current judicial/citator review."],["D16","Private cases, dockets and actual credit reports","None searched; obtain only under separate authorization."],["D17","Assignment, servicing and debt-buyer authority","Obtain chain of title and current substantive law."],["D18","Settlement, novation, release and instalment-default effects","Review executed agreement; no first-instalment universal rule."],["D19","Guaranties and joint liability","Read actual instrument and substantive liability law."],["D20","Mortgages, vehicle security and other collateral","Separate secured-credit and enforcement analysis."],["D21","Product-specific banking, card, telecom, utility and insurance entries","Identify product and read special law."],["D22","Tax, support, student and public claims","Separate sovereign/program regimes."],["D23","Insolvency, recuperação, falência and court plans","Research reporting effects of the specific proceeding."],["D24","Tax treatment of forgiveness, settlement and write-offs","Obtain transaction and current tax authority."],["D25","OAB, CRA, CORECON and professional permission","Preserve P01 professional holds."],["D26","Lending and financial-activity permission","Preserve P01 financial-regulation holds."],["D27","CMN 4.935 / Joint Resolution 17 correspondents","Preserve P02 partial current-text hold."],["D28","BCB Resolution 494/payment-institution authorization","Preserve payment-rule hold."],["D29","Client-money title, custody and safeguarding","Obtain actual funds flow and current payment law."],["D30","Adviser fees, cancellation and engagement contracts","PASS-04 remains unreviewed and is not adopted here."],["D31","CDC superindebtedness, STF minimum and repactuação","Preserve prior gateway/currentness holds."],["D32","Later federal amendments and full current citator","Reopen consequential bodies before publication."],["D33","State/DF, municipal, Procon and court implementation","Research every targeted locality individually."],["D34","Language and accessibility beyond CDC art. 43 §6","Determine actual consumer needs and applicable implementation."],["D35","Full Brazil, A097/A098, parent-program and publication acceptance","HOLD pending same-coordinator review and all outstanding branches."]]},{"headers":["State / DF","PASS-06 status","Exact remaining local issue"],"index":10,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["State / DF","PASS-06 status","Exact remaining local issue"],["Acre (AC)","No local body read","AC Procon, court, notification evidence, local holidays and remedies."],["Alagoas (AL)","No local body read","AL consumer enforcement, court procedure, holidays and local routes."],["Amapá (AP)","No local body read","AP Procon/court implementation, accessibility and municipal procedure."],["Amazonas (AM)","No local body read","AM consumer authorities, courts, remote access and local calendars."],["Bahia (BA)","No local body read","BA Procon, court and municipal implementation of federal duties."],["Ceará (CE)","No local body read","CE consumer enforcement, courts and local notice/remedy practice."],["Distrito Federal (DF)","No local body read","DF consumer authority, TJDFT, local procedures and holidays."],["Espírito Santo (ES)","No local body read","ES Procon, courts, municipalities and evidentiary practice."],["Goiás (GO)","No local body read","GO consumer enforcement, courts and local calendar."],["Maranhão (MA)","No local body read","MA Procon, judicial routes, municipalities and accessibility."],["Mato Grosso (MT)","No local body read","MT court/consumer implementation and local procedures."],["Mato Grosso do Sul (MS)","No local body read","MS courts, Procon, border/remote issues and holidays."],["Minas Gerais (MG)","No local body read","MG consumer enforcement, courts and municipal routes."],["Pará (PA)","No local body read","PA Procon, courts, accessibility and language needs."],["Paraíba (PB)","No local body read","PB consumer authority, courts and municipal procedure."],["Paraná (PR)","No local body read","PR Procon, courts, local remedies and calendars."],["Pernambuco (PE)","No local body read","PE consumer enforcement, courts and municipalities."],["Piauí (PI)","No local body read","PI Procon, judicial procedure and local calendar."],["Rio de Janeiro (RJ)","No local body read","RJ consumer authority, courts, municipal routes and evidence practice."],["Rio Grande do Norte (RN)","No local body read","RN Procon, courts and local implementation."],["Rio Grande do Sul (RS)","No local body read","RS consumer authorities, courts and local current jurisprudence."],["Rondônia (RO)","No local body read","RO Procon, courts, remote access and municipalities."],["Roraima (RR)","No local body read","RR consumer routes, multilingual/accessibility issues and courts."],["Santa Catarina (SC)","No local body read","SC Procon, courts and local implementation."],["São Paulo (SP)","No local PASS-06 body read","SP Procon, TJSP, municipalities, local holidays and current application."],["Sergipe (SE)","No local body read","SE consumer authority, courts and municipal procedure."],["Tocantins (TO)","No local body read","TO Procon, courts, accessibility and local routes."]]},{"headers":["Opportunity","Supported function","Mandatory guardrail"],"index":11,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[]],"rows":[["Opportunity","Supported function","Mandatory guardrail"],["“Who must notify me before a negative entry?”","Explain maintainer-versus-creditor roles and postal/electronic proof.","No fixed notice-day claim."],["Electronic-notice evidence checklist","Consumer-provided destination, send record, delivery result, bounce/inactive status and entry timestamp.","No claim that a screenshot alone always proves delivery."],["Negative-entry duration timeline","Use verified maturity date and display five-year maximum from the next day.","Must also flag possible earlier CDC §5 endpoint; no “debt expired” result."],["Assignment/re-entry warning","Show that creditor or collector changes do not automatically reset the maturity-based clock.","New agreement/novation remains a legal-review branch."],["Cleared-payment removal calculator","Count five business days from first business day after verified full funds availability.","Require national/state/local holiday input and clearing evidence."],["Credit-record accuracy checklist","Identity, creditor/source, amount, maturity, payment, settlement status, duplication and duration.","No automatic deletion merely because one field is disputed."],["Correction-recipient log","Track immediate correction and five-business-day communication to prior recipients.","Do not conflate correction with damages entitlement."],["System classifier","Distinguish negative register, SCR, score, positive history, protest, Cadin and court data.","Each excluded system needs its own current law module."],["Prior-entry remedies explainer","Explain Súmula 385’s cancellation-versus-damages distinction.","No automatic damages/no-damages determination without full chronology."]]},{"headers":["Reconciliation item","Actual result"],"index":12,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Reconciliation item","Actual result"],["Assigned component","P01 D05 ordinary negative credit-register notice, duration, payment updates, access and correction only."],["P04/P05 reliance","None. Both remain unreviewed and were not adopted."],["Sources","20 displayed: 3 legal bodies; 13 STJ bodies; 2 public guidance sources; 2 failed alternates."],["Claims","60 displayed, C_BR-P06-C001–C060."],["Core coverage","80 displayed, P06-G01–G80."],["Deferred families","35 displayed, P06-D01–D35."],["Territorial rows","27 displayed, none cleared."],["Fictional workflows","9 displayed, H01–H09."],["Conditional calculations","H03 five-year maturity-based timeline; H05 five-business-day cleared-payment count."],["Actual credit report or bureau record","None obtained or searched."],["Actual consumer, creditor, provider or assignee","None searched or classified."],["Actual complaint/access/correction request","None submitted."],["Current notice conflict","Resolved narrowly through final Tema 1.315; earlier 2023 electronic restriction retained only as history."],["Exact pre-entry notice days","No universal numeric period established."],["Payment deletion rule","Five business days after integral effective payment, beginning next business day after full funds availability."],["Partial settlement","No universal first-instalment deletion rule established."],["Full prescription","Deferred. Only CDC reporting boundary independently read."],["LGPD","Deferred except for identifying separate official guidance."],["Source-specific clock times","Unknown and not invented."],["APIs, Deep Research, Work/Codex, subagents or new chats","None used."],["Named private case/docket lookup","None. Only generic official published jurisprudence and status materials were read."],["Coordinator files","No write performed or claimed."],["Model/power","No self-certified model tier, Pro status, ranking, quota or recovery claim."],["Review status","Not independent review or all-source certification. Same-coordinator review remains separate."],["Country/publication status","HOLD. No provider, contract, locality, A097/A098, parent or Brazil-wide acceptance."]]}],"claims":[{"claim_id":"C_BR-P06-C001","area_numbers":[98],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"C_BR-P06-C001","Area; exact proposition, conditions, required act/effect and hold":"A098. Scope is limited to ordinary negative consumer credit-register entries, not score, SCR, positive history, protest, Cadin or court records.","Source and pinpoint":"Research scope; S016 confirms SCR distinction. \nSTJ"},"coordinator_verification_status":"not_yet_checked","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. Per-sourcechecks separate."},{"claim_id":"C_BR-C002","area_numbers":[98],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"C002","Area; exact proposition, conditions, required act/effect and hold":"A098. A natural or legal person may be a CDC consumer when using the service as final recipient.","Source and pinpoint":"S001 art. 2. \nPlanalto"},"coordinator_verification_status":"not_yet_checked","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. Per-sourcechecks separate."},{"claim_id":"C_BR-C003","area_numbers":[97],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"C003","Area; exact proposition, conditions, required act/effect and hold":"A097. CDC supplier definition includes domestic and foreign suppliers and remunerated credit/financial services; cross-border application remains factual.","Source and pinpoint":"S001 art. 3 caput and §2. \nPlanalto"},"coordinator_verification_status":"not_yet_checked","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. Per-sourcechecks separate."},{"claim_id":"C_BR-C004","area_numbers":[98],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"C004","Area; exact proposition, conditions, required act/effect and hold":"A098. Enterprise use does not automatically establish or defeat CDC status; concrete final-recipient and vulnerability analysis may be required.","Source and pinpoint":"S015; official STJ explanation. \nSTJ\n+1"},"coordinator_verification_status":"not_yet_checked","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. Per-sourcechecks separate."},{"claim_id":"C_BR-C005","area_numbers":[97],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"C005","Area; exact proposition, conditions, required act/effect and hold":"A097. The register maintainer, furnishing creditor, requesting user and debtor are distinct actors.","Source and pinpoint":"S004; S001 art. 43; S012. \nSTJ\n+2"},"coordinator_verification_status":"not_yet_checked","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. Per-sourcechecks separate."},{"claim_id":"C_BR-C006","area_numbers":[97],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"C006","Area; exact proposition, conditions, required act/effect and hold":"A097. A debt buyer or assignee does not gain a new reporting period merely through assignment of the same matured debt.","Source and pinpoint":"Inference from S011’s maturity-based trigger; actual assignment/new obligation held. \nSTJ"},"coordinator_verification_status":"not_yet_checked","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. Per-sourcechecks separate."},{"claim_id":"C_BR-C007","area_numbers":[97],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"C007","Area; exact proposition, conditions, required act/effect and hold":"A097. Third-party requesting-user access and duties are not fully governed by CDC art. 43 alone and remain deferred.","Source and pinpoint":"S001 art. 43 caput/§3; bounded limit. \nPlanalto"},"coordinator_verification_status":"not_yet_checked","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. Per-sourcechecks separate."},{"claim_id":"C_BR-C008","area_numbers":[97],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"C008","Area; exact proposition, conditions, required act/effect and hold":"A097. A representative needs valid authority; CDC art. 43 does not define the required mandate/authentication method.","Source and pinpoint":"S001 art. 43; factual/procedural hold. \nPlanalto"},"coordinator_verification_status":"not_yet_checked","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. Per-sourcechecks separate."},{"claim_id":"C_BR-C009","area_numbers":[98],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"C009","Area; exact proposition, conditions, required act/effect and hold":"A098. SCR is not equivalent to an ordinary negative register.","Source and pinpoint":"S016, STJ July 2026. \nSTJ"},"coordinator_verification_status":"not_yet_checked","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. Per-sourcechecks separate."},{"claim_id":"C_BR-C010","area_numbers":[98],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"C010","Area; exact proposition, conditions, required act/effect and hold":"A098. A negative-register maintainer and a protest office perform different functions.","Source and pinpoint":"S011 lines 610–613. \nSTJ"},"coordinator_verification_status":"not_yet_checked","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. Per-sourcechecks separate."},{"claim_id":"C_BR-C011","area_numbers":[98],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"C011","Area; exact proposition, conditions, required act/effect and hold":"A098. Consumer has access to stored information about them and its sources.","Source and pinpoint":"S001 art. 43 caput. \nPlanalto"},"coordinator_verification_status":"not_yet_checked","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. Per-sourcechecks separate."},{"claim_id":"C_BR-C012","area_numbers":[98],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"C012","Area; exact proposition, conditions, required act/effect and hold":"A098. Consumer data must be objective, clear, true and understandable.","Source and pinpoint":"S001 art. 43 §1. \nPlanalto"},"coordinator_verification_status":"not_yet_checked","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. Per-sourcechecks separate."},{"claim_id":"C_BR-C013","area_numbers":[98],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"C013","Area; exact proposition, conditions, required act/effect and hold":"A098. Art. 43 information must be available in accessible formats upon consumer request.","Source and pinpoint":"S001 art. 43 §6; S002 art. 100. \nPlanalto\n+1"},"coordinator_verification_status":"not_yet_checked","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. Per-sourcechecks separate."},{"claim_id":"C_BR-C014","area_numbers":[98],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"C014","Area; exact proposition, conditions, required act/effect and hold":"A098. Art. 43 §4’s public-character designation does not itself resolve unrestricted third-party access; that legal branch remains held.","Source and pinpoint":"S001 art. 43 §4; bounded interpretation. \nPlanalto"},"coordinator_verification_status":"not_yet_checked","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. Per-sourcechecks separate."},{"claim_id":"C_BR-C015","area_numbers":[97],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"C015","Area; exact proposition, conditions, required act/effect and hold":"A097. Maintainer must notify the debtor before making the entry.","Source and pinpoint":"S004, Súmula 359. \nSTJ"},"coordinator_verification_status":"not_yet_checked","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. Per-sourcechecks separate."},{"claim_id":"C_BR-C016","area_numbers":[97],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"C016","Area; exact proposition, conditions, required act/effect and hold":"A097. Ordinary §2 notice duty belongs to the maintainer, not the creditor that merely furnishes the debt data.","Source and pinpoint":"S004 precedent excerpts. \nSTJ"},"coordinator_verification_status":"not_yet_checked","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. Per-sourcechecks separate."},{"claim_id":"C_BR-C017","area_numbers":[98],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"C017","Area; exact proposition, conditions, required act/effect and hold":"A098. Reviewed federal texts require prior notice but establish no universal numeric pre-entry waiting period.","Source and pinpoint":"S001 art. 43 §2; S004–S006. \nPlanalto\n+2"},"coordinator_verification_status":"not_yet_checked","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. Per-sourcechecks separate."},{"claim_id":"C_BR-C018","area_numbers":[98],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"C018","Area; exact proposition, conditions, required act/effect and hold":"A098. Postal notice does not require return receipt.","Source and pinpoint":"S005, Súmula 404. \nSTJ"},"coordinator_verification_status":"not_yet_checked","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. Per-sourcechecks separate."},{"claim_id":"C_BR-C019","area_numbers":[98],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"C019","Area; exact proposition, conditions, required act/effect and hold":"A098. Ordinary postal proof is dispatch to the address furnished by the creditor.","Source and pinpoint":"S005/Tema 59 excerpts. \nSTJ"},"coordinator_verification_status":"not_yet_checked","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. Per-sourcechecks separate."},{"claim_id":"C_BR-C020","area_numbers":[98],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"C020","Area; exact proposition, conditions, required act/effect and hold":"A098. A maintainer that ignores an address directly supplied by the consumer may face a different result.","Source and pinpoint":"S014, Informativo 597. \nSTJ"},"coordinator_verification_status":"not_yet_checked","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. Per-sourcechecks separate."},{"claim_id":"C_BR-C021","area_numbers":[98],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"C021","Area; exact proposition, conditions, required act/effect and hold":"A098. Electronic notice is valid under final Tema 1.315 if sending and delivery are proved.","Source and pinpoint":"S006 thesis. \nSTJ"},"coordinator_verification_status":"not_yet_checked","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. Per-sourcechecks separate."},{"claim_id":"C_BR-C022","area_numbers":[98],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"C022","Area; exact proposition, conditions, required act/effect and hold":"A098. Electronic proof must establish both actual sending and delivery to the destination.","Source and pinpoint":"S006–S007. \nSTJ\n+1"},"coordinator_verification_status":"not_yet_checked","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. Per-sourcechecks separate."},{"claim_id":"C_BR-C023","area_numbers":[98],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"C023","Area; exact proposition, conditions, required act/effect and hold":"A098. Proof that the consumer read the electronic message is not required.","Source and pinpoint":"S006 reasons; S007. \nSTJ\n+1"},"coordinator_verification_status":"not_yet_checked","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. Per-sourcechecks separate."},{"claim_id":"C_BR-C024","area_numbers":[98],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"C024","Area; exact proposition, conditions, required act/effect and hold":"A098. Electronic contact should be a consumer-provided address or number; inactive, nonexistent or bounced destinations do not establish delivery.","Source and pinpoint":"S006 reasons; S007. \nSTJ\n+1"},"coordinator_verification_status":"not_yet_checked","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. Per-sourcechecks separate."},{"claim_id":"C_BR-C025","area_numbers":[98],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"C025","Area; exact proposition, conditions, required act/effect and hold":"A098. The 2023 physical-only position is superseded on this issue by the 2026 repetitive holding.","Source and pinpoint":"S008 compared with S006. \nSTJ\n+1"},"coordinator_verification_status":"not_yet_checked","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. Per-sourcechecks separate."},{"claim_id":"C_BR-C026","area_numbers":[98],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"C026","Area; exact proposition, conditions, required act/effect and hold":"A098. Prior notice permits payment or opposition but does not create an unstated fixed validation period.","Source and pinpoint":"S007 explanation; C017 limitation. \nSTJ"},"coordinator_verification_status":"not_yet_checked","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. Per-sourcechecks separate."},{"claim_id":"C_BR-C027","area_numbers":[98],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"C027","Area; exact proposition, conditions, required act/effect and hold":"A098. Negative information may not remain for more than five years.","Source and pinpoint":"S001 art. 43 §1; S009. \nPlanalto\n+1"},"coordinator_verification_status":"not_yet_checked","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. Per-sourcechecks separate."},{"claim_id":"C_BR-C028","area_numbers":[98],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"C028","Area; exact proposition, conditions, required act/effect and hold":"A098. The five years run from the first day after the debt’s maturity.","Source and pinpoint":"S011. \nSTJ"},"coordinator_verification_status":"not_yet_checked","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. Per-sourcechecks separate."},{"claim_id":"C_BR-C029","area_numbers":[98],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"C029","Area; exact proposition, conditions, required act/effect and hold":"A098. Debt maturity date must be present in the maintainer’s database to control the period.","Source and pinpoint":"S011. \nSTJ"},"coordinator_verification_status":"not_yet_checked","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. Per-sourcechecks separate."},{"claim_id":"C_BR-C030","area_numbers":[97],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"C030","Area; exact proposition, conditions, required act/effect and hold":"A097. Maintainer is responsible for controlling the temporal limits applicable to information in its files.","Source and pinpoint":"S010–S011. \nSTJ\n+1"},"coordinator_verification_status":"not_yet_checked","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. Per-sourcechecks separate."},{"claim_id":"C_BR-C031","area_numbers":[98],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"C031","Area; exact proposition, conditions, required act/effect and hold":"A098. CDC art. 43 has a five-year maximum and a separate earlier endpoint tied to prescription of the collection claim.","Source and pinpoint":"S001 §§1,5; S010. \nPlanalto\n+1"},"coordinator_verification_status":"not_yet_checked","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. Per-sourcechecks separate."},{"claim_id":"C_BR-C032","area_numbers":[98],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"C032","Area; exact proposition, conditions, required act/effect and hold":"A098. Prescription of an execution route alone is not automatically the §5 collection-claim event.","Source and pinpoint":"S009, Súmula 323 and excerpts. \nSTJ"},"coordinator_verification_status":"not_yet_checked","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. Per-sourcechecks separate."},{"claim_id":"C_BR-C033","area_numbers":[98],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"C033","Area; exact proposition, conditions, required act/effect and hold":"A098. A later registration, deletion/re-entry, assignment or collector change cannot by itself restart the same debt’s maturity-based five-year period.","Source and pinpoint":"Inference from C028–C029; S011. \nSTJ"},"coordinator_verification_status":"not_yet_checked","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. Per-sourcechecks separate."},{"claim_id":"C_BR-C034","area_numbers":[98],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"C034","Area; exact proposition, conditions, required act/effect and hold":"A098. A genuinely new obligation or maturity after settlement requires the actual agreement and is not inferred from assignment or a label.","Source and pinpoint":"Contract/fact hold; no real agreement supplied."},"coordinator_verification_status":"not_yet_checked","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. Per-sourcechecks separate."},{"claim_id":"C_BR-C035","area_numbers":[98],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"C035","Area; exact proposition, conditions, required act/effect and hold":"A098. Removal from the negative register does not, by CDC art. 43 alone, establish debt forgiveness or zero liability.","Source and pinpoint":"S001 regulates information; substantive claim held. \nPlanalto"},"coordinator_verification_status":"not_yet_checked","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. Per-sourcechecks separate."},{"claim_id":"C_BR-C036","area_numbers":[97],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"C036","Area; exact proposition, conditions, required act/effect and hold":"A097. Creditor must cause deletion after full and effective payment.","Source and pinpoint":"S012, Súmula 548. \nSTJ"},"coordinator_verification_status":"not_yet_checked","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. Per-sourcechecks separate."},{"claim_id":"C_BR-C037","area_numbers":[98],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"C037","Area; exact proposition, conditions, required act/effect and hold":"A098. General deletion period is five business days.","Source and pinpoint":"S012. \nSTJ"},"coordinator_verification_status":"not_yet_checked","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. Per-sourcechecks separate."},{"claim_id":"C_BR-C038","area_numbers":[98],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"C038","Area; exact proposition, conditions, required act/effect and hold":"A098. Count begins on the first business day after complete payoff funds become available to the creditor.","Source and pinpoint":"S012/Tema 735. \nSTJ\n+1"},"coordinator_verification_status":"not_yet_checked","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. Per-sourcechecks separate."},{"claim_id":"C_BR-C039","area_numbers":[98],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"C039","Area; exact proposition, conditions, required act/effect and hold":"A098. Cheque, boleto, transfer and comparable payments trigger the period upon effective funds availability, not merely initiation.","Source and pinpoint":"S012 precedent excerpt. \nSTJ"},"coordinator_verification_status":"not_yet_checked","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. Per-sourcechecks separate."},{"claim_id":"C_BR-C040","area_numbers":[98],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"C040","Area; exact proposition, conditions, required act/effect and hold":"A098. Partial payment alone does not satisfy Súmula 548’s integral-payment predicate.","Source and pinpoint":"S012 text; bounded negative. \nSTJ"},"coordinator_verification_status":"not_yet_checked","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. Per-sourcechecks separate."},{"claim_id":"C_BR-C041","area_numbers":[98],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"C041","Area; exact proposition, conditions, required act/effect and hold":"A098. Partial payment can create an accuracy/update issue if a stored amount no longer reflects the true balance.","Source and pinpoint":"S001 art. 43 §1; fact-dependent inference. \nPlanalto"},"coordinator_verification_status":"not_yet_checked","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. Per-sourcechecks separate."},{"claim_id":"C_BR-C042","area_numbers":[98],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"C042","Area; exact proposition, conditions, required act/effect and hold":"A098. No universal first-instalment settlement deletion rule was established in the general authorities read.","Source and pinpoint":"S012 requires integral/effective payment; actual agreement held. \nSTJ"},"coordinator_verification_status":"not_yet_checked","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. Per-sourcechecks separate."},{"claim_id":"C_BR-C043","area_numbers":[98],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"C043","Area; exact proposition, conditions, required act/effect and hold":"A098. Complete performance of a settlement that fully satisfies the settled debt engages the full-payment principle; actual terms remain necessary.","Source and pinpoint":"S012 annotated precedent concerning fully performed agreement. \nSTJ"},"coordinator_verification_status":"not_yet_checked","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. Per-sourcechecks separate."},{"claim_id":"C_BR-C044","area_numbers":[98],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"C044","Area; exact proposition, conditions, required act/effect and hold":"A098. Consumer may demand immediate correction of inaccurate data.","Source and pinpoint":"S001 art. 43 §3. \nPlanalto"},"coordinator_verification_status":"not_yet_checked","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. Per-sourcechecks separate."},{"claim_id":"C_BR-C045","area_numbers":[97],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"C045","Area; exact proposition, conditions, required act/effect and hold":"A097. Archivist must notify eventual recipients of corrected misinformation within five business days.","Source and pinpoint":"S001 art. 43 §3. \nPlanalto"},"coordinator_verification_status":"not_yet_checked","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. Per-sourcechecks separate."},{"claim_id":"C_BR-C046","area_numbers":[98],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"C046","Area; exact proposition, conditions, required act/effect and hold":"A098. The five days in §3 concern recipient notification after alteration; they are not an express correction-delay period.","Source and pinpoint":"Textual distinction in S001 §3. \nPlanalto"},"coordinator_verification_status":"not_yet_checked","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. Per-sourcechecks separate."},{"claim_id":"C_BR-C047","area_numbers":[98],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"C047","Area; exact proposition, conditions, required act/effect and hold":"A098. CDC art. 43 does not itself state a numeric ordinary access-response period.","Source and pinpoint":"S001 caput; full LGPD held. \nPlanalto"},"coordinator_verification_status":"not_yet_checked","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. Per-sourcechecks separate."},{"claim_id":"C_BR-C048","area_numbers":[97],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"C048","Area; exact proposition, conditions, required act/effect and hold":"A097. Representative-access authority and authentication remain fact- and policy-specific.","Source and pinpoint":"S001 access right; no representative procedure in art. 43. \nPlanalto"},"coordinator_verification_status":"not_yet_checked","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. Per-sourcechecks separate."},{"claim_id":"C_BR-C049","area_numbers":[98],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"C049","Area; exact proposition, conditions, required act/effect and hold":"A098. Mistaken identity, wrong amount, source or maturity can be inaccuracies requiring correction if proved.","Source and pinpoint":"S001 §§1,3; S011 maturity requirement. \nPlanalto\n+1"},"coordinator_verification_status":"not_yet_checked","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. Per-sourcechecks separate."},{"claim_id":"C_BR-C050","area_numbers":[98],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"C050","Area; exact proposition, conditions, required act/effect and hold":"A098. An irregular entry remains subject to cancellation even where a pre-existing legitimate entry exists.","Source and pinpoint":"S013, Súmula 385. \nSTJ"},"coordinator_verification_status":"not_yet_checked","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. Per-sourcechecks separate."},{"claim_id":"C_BR-C051","area_numbers":[98],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"C051","Area; exact proposition, conditions, required act/effect and hold":"A098. Under Súmula 385, a prior legitimate entry can bar moral-damages compensation for a later irregular entry.","Source and pinpoint":"S013. \nSTJ"},"coordinator_verification_status":"not_yet_checked","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. Per-sourcechecks separate."},{"claim_id":"C_BR-C052","area_numbers":[98],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"C052","Area; exact proposition, conditions, required act/effect and hold":"A098. Súmula 385 does not validate inaccurate information or erase the cancellation right.","Source and pinpoint":"S013 express reservation. \nSTJ"},"coordinator_verification_status":"not_yet_checked","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. Per-sourcechecks separate."},{"claim_id":"C_BR-C053","area_numbers":[98],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"C053","Area; exact proposition, conditions, required act/effect and hold":"A098. Full civil remedies, causation, damages and limitation are outside this pass.","Source and pinpoint":"Scope hold; no damages amount inferred."},"coordinator_verification_status":"not_yet_checked","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. Per-sourcechecks separate."},{"claim_id":"C_BR-C054","area_numbers":[98],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"C054","Area; exact proposition, conditions, required act/effect and hold":"A098. Guarantor, joint debtor and secured-obligation entries require actual liability and consumer-nexus facts.","Source and pinpoint":"S001 art. 2 gateway; merits held. \nPlanalto"},"coordinator_verification_status":"not_yet_checked","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. Per-sourcechecks separate."},{"claim_id":"C_BR-C055","area_numbers":[98],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"C055","Area; exact proposition, conditions, required act/effect and hold":"A098. Foreign/remote nexus is not resolved merely because CDC art. 3 mentions foreign suppliers.","Source and pinpoint":"S001 art. 3; jurisdiction/LGPD held. \nPlanalto"},"coordinator_verification_status":"not_yet_checked","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. Per-sourcechecks separate."},{"claim_id":"C_BR-C056","area_numbers":[98],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"C056","Area; exact proposition, conditions, required act/effect and hold":"A098. Consumidor.gov.br is voluntary and does not replace Procon or judicial routes.","Source and pinpoint":"S017. \nConsumidor"},"coordinator_verification_status":"not_yet_checked","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. Per-sourcechecks separate."},{"claim_id":"C_BR-C057","area_numbers":[98],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"C057","Area; exact proposition, conditions, required act/effect and hold":"A098. ANPD guidance confirms separate data-subject access/correction rights, but no full LGPD conclusion is adopted here.","Source and pinpoint":"S018; guidance only. \nServiços e Informações do Brasil"},"coordinator_verification_status":"not_yet_checked","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. Per-sourcechecks separate."},{"claim_id":"C_BR-C058","area_numbers":[98],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"C058","Area; exact proposition, conditions, required act/effect and hold":"A098. H03’s July 1, 2026 date depends entirely on the stipulated June 30, 2021 maturity and absence of an earlier §5 endpoint.","Source and pinpoint":"S003 art. 132; S011. \nPlanalto\n+1"},"coordinator_verification_status":"not_yet_checked","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. Per-sourcechecks separate."},{"claim_id":"C_BR-C059","area_numbers":[98],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"C059","Area; exact proposition, conditions, required act/effect and hold":"A098. H05’s October 26 date assumes full availability October 19 and no intervening holiday.","Source and pinpoint":"S012/Tema 735. \nSTJ"},"coordinator_verification_status":"not_yet_checked","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. Per-sourcechecks separate."},{"claim_id":"C_BR-C060","area_numbers":[98],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"C060","Area; exact proposition, conditions, required act/effect and hold":"A098. Currentness requires using final Tema 1.315 rather than the superseded 2023 electronic-notice position and rechecking sources before publication.","Source and pinpoint":"S006–S008. \nSTJ\n+1"},"coordinator_verification_status":"not_yet_checked","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. Per-sourcechecks separate."}],"sources":[{"source_id":"C_BR-P06-S001","urls":["https://www.planalto.gov.br/ccivil_03/leis/l8078compilado.htm"],"researcher_record":{"Source ID":"C_BR-P06-S001","Issuer, title and complete literal URL":"Presidência da República, Lei nº 8.078/1990 — Código de Defesa do Consumidor, compiled. https://www.planalto.gov.br/ccivil_03/leis/l8078compilado.htm","Exact material, publication/currentness, page/index and read limit":"FRESH-READ—OPERATIVE. Arts. 2–3 and 43 caput, §§1–6; art. 118 inspected for original commencement context. Current compiled text read. Printed page not established; PDF index N/A. Full LGPD, Cadastro Positivo, remedies and collection-conduct law not read. \nPlanalto\n+1"},"coordinator_verification_status":"not_yet_checked","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. Per-sourcechecks separate."},{"source_id":"C_BR-S002","urls":["https://www.planalto.gov.br/ccivil_03/_ato2015-2018/2015/lei/l13146.htm"],"researcher_record":{"Source ID":"S002","Issuer, title and complete literal URL":"Presidência da República, Lei nº 13.146/2015 — Estatuto da Pessoa com Deficiência. https://www.planalto.gov.br/ccivil_03/_ato2015-2018/2015/lei/l13146.htm","Exact material, publication/currentness, page/index and read limit":"FRESH-READ—OPERATIVE AMENDMENT. Art. 100 adding CDC art. 43 §6; art. 127, law effective 180 days after publication; DOU July 7, 2015. Printed page not established; PDF N/A. Only the CDC amendment/currentness branch read. \nPlanalto\n+1"},"coordinator_verification_status":"not_yet_checked","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. Per-sourcechecks separate."},{"source_id":"C_BR-S003","urls":["https://www.planalto.gov.br/ccivil_03/leis/2002/l10406compilada.htm"],"researcher_record":{"Source ID":"S003","Issuer, title and complete literal URL":"Presidência da República, Lei nº 10.406/2002 — Código Civil, compiled. https://www.planalto.gov.br/ccivil_03/leis/2002/l10406compilada.htm","Exact material, publication/currentness, page/index and read limit":"FRESH-READ—OPERATIVE, LIMITED. Art. 132 caput and §§1–3 only, for the fictional civil-year calculation. Printed page not established; PDF N/A. No prescription merits or contract analysis adopted from PASS-05. \nPlanalto"},"coordinator_verification_status":"not_yet_checked","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. Per-sourcechecks separate."},{"source_id":"C_BR-S004","urls":["https://scon.stj.jus.br/SCON/sumstj/doc.jsp?b=SUMU&livre=%22359%22.num"],"researcher_record":{"Source ID":"S004","Issuer, title and complete literal URL":"Superior Tribunal de Justiça, Súmula 359. https://scon.stj.jus.br/SCON/sumstj/doc.jsp?b=SUMU&livre=%22359%22.num.","Exact material, publication/currentness, page/index and read limit":"FRESH-READ—SÚMULA. Enunciado and relevant original-precedent excerpts: maintainer gives notice before entry. Judged August 13, 2008; DJe September 8, 2008. Official source references RSSTJ vol. 31 p. 397 and RSTJ vol. 211 p. 548. PDF N/A. Debt-accuracy liability not exhaustively decided. \nSTJ"},"coordinator_verification_status":"not_yet_checked","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. Per-sourcechecks separate."},{"source_id":"C_BR-S005","urls":["https://scon.stj.jus.br/SCON/sumstj/doc.jsp?b=SUMU&livre=%22404%22.num"],"researcher_record":{"Source ID":"S005","Issuer, title and complete literal URL":"Superior Tribunal de Justiça, Súmula 404 / Tema 59 source page. https://scon.stj.jus.br/SCON/sumstj/doc.jsp?b=SUMU&livre=%22404%22.num.","Exact material, publication/currentness, page/index and read limit":"FRESH-READ—SÚMULA. Enunciado and Tema 59 excerpts: no postal AR required; proof of dispatch to creditor-supplied address. Judged October 28, 2009; DJe November 24, 2009. RSSTJ vol. 38 p. 131; RSTJ vol. 216 p. 759. PDF N/A. Electronic notice controlled by later Tema 1.315. \nSTJ"},"coordinator_verification_status":"not_yet_checked","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. Per-sourcechecks separate."},{"source_id":"C_BR-S006","urls":["https://scon.stj.jus.br/SCON/jurisprudencia/toc.jsp?O=JT&b=ACOR&livre=202403531101.REG.+E+12/03/2026.FONT","https://scon.stj.jus.br/SCON/jurisprudencia/toc.jsp?O=JT&b=ACOR&livre=202403531101.REG.+E+12%2F03%2F2026.FONT"],"researcher_record":{"Source ID":"S006","Issuer, title and complete literal URL":"Superior Tribunal de Justiça, Tema Repetitivo 1.315 / REsp 2.171.003 official jurisprudence page. https://scon.stj.jus.br/SCON/jurisprudencia/toc.jsp?O=JT&b=ACOR&livre=202403531101.REG.+E+12/03/2026.FONT.","Exact material, publication/currentness, page/index and read limit":"FRESH-READ—QUALIFIED PRECEDENT. Final-status field; thesis; ementa and reasons at displayed lines 388–444. Judged March 5, 2026; DJEN March 12, 2026; page shows Trânsito em Julgado. Printed page not shown; PDF N/A. Full individual records not searched. \nSTJ"},"coordinator_verification_status":"not_yet_checked","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. Per-sourcechecks separate."},{"source_id":"C_BR-S007","urls":["https://www.stj.jus.br/sites/portalp/Paginas/Comunicacao/Noticias/2026/11032026-Repetitivo-STJ-valida-notificacao-eletronica-a-consumidor-sobre-abertura-de-cadastro-nao-solicitado.aspx"],"researcher_record":{"Source ID":"S007","Issuer, title and complete literal URL":"Superior Tribunal de Justiça, “Repetitivo: STJ valida notificação eletrônica…”. https://www.stj.jus.br/sites/portalp/Paginas/Comunicacao/Noticias/2026/11032026-Repetitivo-STJ-valida-notificacao-eletronica-a-consumidor-sobre-abertura-de-cadastro-nao-solicitado.aspx","Exact material, publication/currentness, page/index and read limit":"FRESH-READ—OFFICIAL INTERPRETATION. Published March 11, 2026; reasoning on consumer-supplied contact, send/delivery proof, failed delivery and no reading requirement. Not a substitute for the thesis, but explains it. Printed page/PDF N/A. \nSTJ\n+1"},"coordinator_verification_status":"not_yet_checked","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. Per-sourcechecks separate."},{"source_id":"C_BR-S008","urls":["https://www.stj.jus.br/sites/portalp/Paginas/Comunicacao/Noticias/2023/22092023-Notificacao-exclusiva-por-e-mail-nao-autoriza-inscricao-em-cadastro-de-inadimplentes.aspx"],"researcher_record":{"Source ID":"S008","Issuer, title and complete literal URL":"Superior Tribunal de Justiça, “Notificação exclusiva por e-mail não autoriza inscrição…”. https://www.stj.jus.br/sites/portalp/Paginas/Comunicacao/Noticias/2023/22092023-Notificacao-exclusiva-por-e-mail-nao-autoriza-inscricao-em-cadastro-de-inadimplentes.aspx","Exact material, publication/currentness, page/index and read limit":"HISTORICAL—SUPERSEDED IN PART. Published September 22, 2023. Earlier panel position rejecting email-only notice. Retained only to document conflict resolved by 2026 Tema 1.315. Printed page/PDF N/A. \nSTJ"},"coordinator_verification_status":"not_yet_checked","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. Per-sourcechecks separate."},{"source_id":"C_BR-S009","urls":["https://scon.stj.jus.br/SCON/sumstj/doc.jsp?b=SUMU&livre=%22323%22.num"],"researcher_record":{"Source ID":"S009","Issuer, title and complete literal URL":"Superior Tribunal de Justiça, Súmula 323. https://scon.stj.jus.br/SCON/sumstj/doc.jsp?b=SUMU&livre=%22323%22.num.","Exact material, publication/currentness, page/index and read limit":"FRESH-READ—SÚMULA. Five-year maximum and distinction from prescription of execution. Revisited November 25, 2009; DJe December 16, 2009; historical DJ December 5, 2005 p. 410; RSSTJ vol. 26 p. 345; RSTJ vol. 198 p. 632. PDF N/A. Full substantive prescription law not read. \nSTJ"},"coordinator_verification_status":"not_yet_checked","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. Per-sourcechecks separate."},{"source_id":"C_BR-S010","urls":["https://scon.stj.jus.br/jurisprudencia/externo/informativo/?acao=pesquisarumaedicao&livre=%270633%27.cod"],"researcher_record":{"Source ID":"S010","Issuer, title and complete literal URL":"Superior Tribunal de Justiça, Informativo de Jurisprudência nº 633. https://scon.stj.jus.br/jurisprudencia/externo/informativo/?acao=pesquisarumaedicao&livre=%270633%27.cod.","Exact material, publication/currentness, page/index and read limit":"FRESH-READ—OFFICIAL INTERPRETATION. Item concerning maintainers, maturity information and both CDC art. 43 temporal limits; decision September 11, 2018, DJe September 21, 2018; Informativo dated October 11, 2018. Printed page/PDF N/A. Protest merits excluded. \nSTJ"},"coordinator_verification_status":"not_yet_checked","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. Per-sourcechecks separate."},{"source_id":"C_BR-S011","urls":["https://scon.stj.jus.br/jurisprudencia/externo/informativo/?acao=pesquisar&aplicacao=informativo&b=INFJ&i=1050&l=25&livre=%22REsp%22+com&p=true&t="],"researcher_record":{"Source ID":"S011","Issuer, title and complete literal URL":"Superior Tribunal de Justiça, Informativo de Jurisprudência nº 817 — five-year maturity-date item. https://scon.stj.jus.br/jurisprudencia/externo/informativo/?acao=pesquisar&aplicacao=informativo&b=INFJ&i=1050&l=25&livre=%22REsp%22+com&p=true&t=","Exact material, publication/currentness, page/index and read limit":"FRESH-READ—OFFICIAL INTERPRETATION. Item displayed at lines 588–613: five years from first day after maturity; maturity date required; negative-register/protest distinction. Decision June 11, 2024; DJe June 18, 2024; item dated June 25, 2024. Printed page/PDF N/A. \nSTJ"},"coordinator_verification_status":"not_yet_checked","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. Per-sourcechecks separate."},{"source_id":"C_BR-S012","urls":["https://scon.stj.jus.br/SCON/sumstj/doc.jsp?b=SUMU&livre=%22548%22.num"],"researcher_record":{"Source ID":"S012","Issuer, title and complete literal URL":"Superior Tribunal de Justiça, Súmula 548 / Tema 735 source page. https://scon.stj.jus.br/SCON/sumstj/doc.jsp?b=SUMU&livre=%22548%22.num.","Exact material, publication/currentness, page/index and read limit":"FRESH-READ—SÚMULA. Full effective payment; creditor; five business days; first business day after complete funds availability; clearance-dependent payments. Judged October 14, 2015; DJe October 19, 2015; RSSTJ vol. 45 p. 265; RSTJ vol. 243 p. 1091. PDF N/A. Partial settlement merits not established. \nSTJ\n+1"},"coordinator_verification_status":"not_yet_checked","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. Per-sourcechecks separate."},{"source_id":"C_BR-S013","urls":["https://scon.stj.jus.br/SCON/sumstj/doc.jsp?b=SUMU&livre=%22385%22.num"],"researcher_record":{"Source ID":"S013","Issuer, title and complete literal URL":"Superior Tribunal de Justiça, Súmula 385. https://scon.stj.jus.br/SCON/sumstj/doc.jsp?b=SUMU&livre=%22385%22.num.","Exact material, publication/currentness, page/index and read limit":"FRESH-READ—SÚMULA. Prior legitimate entry, moral-damages limitation and preserved cancellation right. Judged May 27, 2009; DJe June 8, 2009; RSSTJ vol. 35 p. 181; RSTJ vol. 214 p. 541. PDF N/A. Complete damages/remedies citator deferred. \nSTJ"},"coordinator_verification_status":"not_yet_checked","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. Per-sourcechecks separate."},{"source_id":"C_BR-S014","urls":["https://scon.stj.jus.br/jurisprudencia/externo/informativo/?acao=pesquisarumaedicao&livre=%270597%27.cod"],"researcher_record":{"Source ID":"S014","Issuer, title and complete literal URL":"Superior Tribunal de Justiça, Informativo de Jurisprudência nº 597. https://scon.stj.jus.br/jurisprudencia/externo/informativo/?acao=pesquisarumaedicao&livre=%270597%27.cod.","Exact material, publication/currentness, page/index and read limit":"FRESH-READ—OFFICIAL INTERPRETATION. Wrong-address distinction where consumer directly updated maintainer; decision December 15, 2016, DJe February 6, 2017; Informativo March 15, 2017. Printed page/PDF N/A. Liability and damages remain fact-specific. \nSTJ"},"coordinator_verification_status":"not_yet_checked","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. Per-sourcechecks separate."},{"source_id":"C_BR-S015","urls":["https://www.stj.jus.br/sites/portalp/Paginas/Comunicacao/Noticias/2024/08092024-Consumidor-pessoa-juridica-quando-as-empresas-podem-ter-a-protecao-do-CDC.aspx"],"researcher_record":{"Source ID":"S015","Issuer, title and complete literal URL":"Superior Tribunal de Justiça, “Consumidor pessoa jurídica: quando as empresas podem ter a proteção do CDC?”. https://www.stj.jus.br/sites/portalp/Paginas/Comunicacao/Noticias/2024/08092024-Consumidor-pessoa-juridica-quando-as-empresas-podem-ter-a-protecao-do-CDC.aspx","Exact material, publication/currentness, page/index and read limit":"FRESH-READ—OFFICIAL INTERPRETATION. Published September 8, 2024; final-recipient and mitigated-finalism/vulnerability explanation. Printed page/PDF N/A. Not a categorical finding for any actual company. \nSTJ"},"coordinator_verification_status":"not_yet_checked","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. 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SCR substantive rules excluded. \nSTJ"},"coordinator_verification_status":"not_yet_checked","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. Per-sourcechecks separate."},{"source_id":"C_BR-S017","urls":["https://www.consumidor.gov.br/pages/conteudo/publico/1"],"researcher_record":{"Source ID":"S017","Issuer, title and complete literal URL":"Secretaria Nacional do Consumidor, Conheça o Consumidor.gov.br. https://www.consumidor.gov.br/pages/conteudo/publico/1","Exact material, publication/currentness, page/index and read limit":"GUIDANCE-READ. Voluntary direct consumer-company platform; not an administrative procedure and not a replacement for Procon/court channels. Live page read on access date; page-specific commencement not applicable. Printed page/PDF N/A. No complaint or company search performed. \nConsumidor"},"coordinator_verification_status":"not_yet_checked","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. 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Printed page/PDF N/A. \nServiços e Informações do Brasil"},"coordinator_verification_status":"not_yet_checked","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. Per-sourcechecks separate."},{"source_id":"C_BR-S019","urls":["https://scon.stj.jus.br/jurisprudencia/externo/informativo/?livre=%40CNOT%3D020788"],"researcher_record":{"Source ID":"S019","Issuer, title and complete literal URL":"Superior Tribunal de Justiça, attempted direct Informativo item 020788. https://scon.stj.jus.br/jurisprudencia/externo/informativo/?livre=%40CNOT%3D020788","Exact material, publication/currentness, page/index and read limit":"FAILED-ALTERNATE. Direct item returned inaccessible/internal-error response. No proposition derives from it; readable S011 edition/search page was used. Printed page/PDF N/A. (Invalid URL)"},"coordinator_verification_status":"not_yet_checked","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. 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(Invalid URL)"},"coordinator_verification_status":"not_yet_checked","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. Per-sourcechecks separate."}],"coverage":[{"topic":"P06-G01 Ordinary negative-register scope","researcher_record":{"#":"P06-G01","Required subquestion":"Ordinary negative-register scope","Finding/claims":"C001","Status and exact next action":"Scoped. Verify actual system is an ordinary negative register."},"raw_table_index":8,"coordinator_acceptance":"scoped_supported_or_explicit_hold_not_component_country_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. Per-sourcechecks separate."},{"topic":"G02 Natural-person consumer","researcher_record":{"#":"G02","Required subquestion":"Natural-person consumer","Finding/claims":"C002","Status and exact next action":"Conditional. Obtain purpose, identity and debt relation."},"raw_table_index":8,"coordinator_acceptance":"scoped_supported_or_explicit_hold_not_component_country_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. Per-sourcechecks separate."},{"topic":"G03 Legal-person consumer","researcher_record":{"#":"G03","Required subquestion":"Legal-person consumer","Finding/claims":"C002, C004","Status and exact next action":"Conditional. Prove final-recipient or qualifying vulnerability."},"raw_table_index":8,"coordinator_acceptance":"scoped_supported_or_explicit_hold_not_component_country_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. Per-sourcechecks separate."},{"topic":"G04 Business/MEI use","researcher_record":{"#":"G04","Required subquestion":"Business/MEI use","Finding/claims":"C004","Status and exact next action":"Unresolved facts. Separate personal and enterprise purpose."},"raw_table_index":8,"coordinator_acceptance":"scoped_supported_or_explicit_hold_not_component_country_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. Per-sourcechecks separate."},{"topic":"G05 Foreign/remote actor","researcher_record":{"#":"G05","Required subquestion":"Foreign/remote actor","Finding/claims":"C003, C055","Status and exact next action":"Held. Determine targeting, location, controller and applicable law."},"raw_table_index":8,"coordinator_acceptance":"scoped_supported_or_explicit_hold_not_component_country_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. Per-sourcechecks separate."},{"topic":"G06 Guarantor","researcher_record":{"#":"G06","Required subquestion":"Guarantor","Finding/claims":"C054","Status and exact next action":"Held. Verify guarantee and consumer nexus."},"raw_table_index":8,"coordinator_acceptance":"scoped_supported_or_explicit_hold_not_component_country_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. Per-sourcechecks separate."},{"topic":"G07 Joint debtor","researcher_record":{"#":"G07","Required subquestion":"Joint debtor","Finding/claims":"C054","Status and exact next action":"Held. Verify joint liability and whose default is recorded."},"raw_table_index":8,"coordinator_acceptance":"scoped_supported_or_explicit_hold_not_component_country_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. Per-sourcechecks separate."},{"topic":"G08 Secured obligation","researcher_record":{"#":"G08","Required subquestion":"Secured obligation","Finding/claims":"C054","Status and exact next action":"Held. Security merits do not decide data accuracy."},"raw_table_index":8,"coordinator_acceptance":"scoped_supported_or_explicit_hold_not_component_country_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. Per-sourcechecks separate."},{"topic":"G09 Register maintainer","researcher_record":{"#":"G09","Required subquestion":"Register maintainer","Finding/claims":"C005, C015","Status and exact next action":"Answered role. Identify actual maintainer."},"raw_table_index":8,"coordinator_acceptance":"scoped_supported_or_explicit_hold_not_component_country_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. Per-sourcechecks separate."},{"topic":"G10 Furnishing creditor","researcher_record":{"#":"G10","Required subquestion":"Furnishing creditor","Finding/claims":"C005–C006, C016","Status and exact next action":"Answered role. Verify ownership and data supplied."},"raw_table_index":8,"coordinator_acceptance":"scoped_supported_or_explicit_hold_not_component_country_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. Per-sourcechecks separate."},{"topic":"G11 Debt buyer/assignee","researcher_record":{"#":"G11","Required subquestion":"Debt buyer/assignee","Finding/claims":"C006, C033–C034","Status and exact next action":"Conditional. Obtain assignment and any new agreement."},"raw_table_index":8,"coordinator_acceptance":"scoped_supported_or_explicit_hold_not_component_country_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. Per-sourcechecks separate."},{"topic":"G12 Requesting user","researcher_record":{"#":"G12","Required subquestion":"Requesting user","Finding/claims":"C007","Status and exact next action":"Deferred. Identify access basis and role."},"raw_table_index":8,"coordinator_acceptance":"scoped_supported_or_explicit_hold_not_component_country_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. Per-sourcechecks separate."},{"topic":"G13 Debtor representative","researcher_record":{"#":"G13","Required subquestion":"Debtor representative","Finding/claims":"C008, C048","Status and exact next action":"Conditional. Obtain valid authority and authentication."},"raw_table_index":8,"coordinator_acceptance":"scoped_supported_or_explicit_hold_not_component_country_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. Per-sourcechecks separate."},{"topic":"G14 Consumer access to data","researcher_record":{"#":"G14","Required subquestion":"Consumer access to data","Finding/claims":"C011","Status and exact next action":"Answered right. Obtain actual disclosure request and response."},"raw_table_index":8,"coordinator_acceptance":"scoped_supported_or_explicit_hold_not_component_country_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. Per-sourcechecks separate."},{"topic":"G15 Access to data sources","researcher_record":{"#":"G15","Required subquestion":"Access to data sources","Finding/claims":"C011","Status and exact next action":"Answered right. Identify furnishing source."},"raw_table_index":8,"coordinator_acceptance":"scoped_supported_or_explicit_hold_not_component_country_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. Per-sourcechecks separate."},{"topic":"G16 Objective/clear/true data","researcher_record":{"#":"G16","Required subquestion":"Objective/clear/true data","Finding/claims":"C012","Status and exact next action":"Answered standard. Audit each stored field."},"raw_table_index":8,"coordinator_acceptance":"scoped_supported_or_explicit_hold_not_component_country_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. Per-sourcechecks separate."},{"topic":"G17 Accessible formats","researcher_record":{"#":"G17","Required subquestion":"Accessible formats","Finding/claims":"C013","Status and exact next action":"Answered. Determine requested format and response."},"raw_table_index":8,"coordinator_acceptance":"scoped_supported_or_explicit_hold_not_component_country_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. Per-sourcechecks separate."},{"topic":"G18 “Public character” of database","researcher_record":{"#":"G18","Required subquestion":"“Public character” of database","Finding/claims":"C014","Status and exact next action":"Partial. Do not infer unrestricted public access."},"raw_table_index":8,"coordinator_acceptance":"scoped_supported_or_explicit_hold_not_component_country_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. Per-sourcechecks separate."},{"topic":"G19 SCR","researcher_record":{"#":"G19","Required subquestion":"SCR","Finding/claims":"C009","Status and exact next action":"Excluded/distinct. Read current SCR rules separately."},"raw_table_index":8,"coordinator_acceptance":"scoped_supported_or_explicit_hold_not_component_country_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. Per-sourcechecks separate."},{"topic":"G20 Positive history/score/Pix/Cadin","researcher_record":{"#":"G20","Required subquestion":"Positive history/score/Pix/Cadin","Finding/claims":"C001","Status and exact next action":"Deferred. Separate systems and statutes."},"raw_table_index":8,"coordinator_acceptance":"scoped_supported_or_explicit_hold_not_component_country_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. Per-sourcechecks separate."},{"topic":"G21 Protest","researcher_record":{"#":"G21","Required subquestion":"Protest","Finding/claims":"C010","Status and exact next action":"Excluded/distinct. Full protest law held."},"raw_table_index":8,"coordinator_acceptance":"scoped_supported_or_explicit_hold_not_component_country_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. Per-sourcechecks separate."},{"topic":"G22 Court/judgment data","researcher_record":{"#":"G22","Required subquestion":"Court/judgment data","Finding/claims":"C001","Status and exact next action":"Deferred. Read CPC/public-record rules separately."},"raw_table_index":8,"coordinator_acceptance":"scoped_supported_or_explicit_hold_not_component_country_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. Per-sourcechecks separate."},{"topic":"G23 Prior-notice actor","researcher_record":{"#":"G23","Required subquestion":"Prior-notice actor","Finding/claims":"C015–C016","Status and exact next action":"Answered: maintainer."},"raw_table_index":8,"coordinator_acceptance":"scoped_supported_or_explicit_hold_not_component_country_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. Per-sourcechecks separate."},{"topic":"G24 Notice before entry","researcher_record":{"#":"G24","Required subquestion":"Notice before entry","Finding/claims":"C015, C017","Status and exact next action":"Answered. Reconstruct notice/entry timestamps."},"raw_table_index":8,"coordinator_acceptance":"scoped_supported_or_explicit_hold_not_component_country_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. Per-sourcechecks separate."},{"topic":"G25 Exact pre-entry day count","researcher_record":{"#":"G25","Required subquestion":"Exact pre-entry day count","Finding/claims":"C017","Status and exact next action":"No generic number found. Do not import 30 days."},"raw_table_index":8,"coordinator_acceptance":"scoped_supported_or_explicit_hold_not_component_country_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. Per-sourcechecks separate."},{"topic":"G26 Postal return receipt","researcher_record":{"#":"G26","Required subquestion":"Postal return receipt","Finding/claims":"C018","Status and exact next action":"Not required generally."},"raw_table_index":8,"coordinator_acceptance":"scoped_supported_or_explicit_hold_not_component_country_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. Per-sourcechecks separate."},{"topic":"G27 Postal mailing proof","researcher_record":{"#":"G27","Required subquestion":"Postal mailing proof","Finding/claims":"C019","Status and exact next action":"Required under ordinary rule. Obtain dispatch record."},"raw_table_index":8,"coordinator_acceptance":"scoped_supported_or_explicit_hold_not_component_country_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. Per-sourcechecks separate."},{"topic":"G28 Creditor-supplied postal address","researcher_record":{"#":"G28","Required subquestion":"Creditor-supplied postal address","Finding/claims":"C019","Status and exact next action":"Answered general rule. Obtain source address."},"raw_table_index":8,"coordinator_acceptance":"scoped_supported_or_explicit_hold_not_component_country_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. Per-sourcechecks separate."},{"topic":"G29 Consumer’s direct address update","researcher_record":{"#":"G29","Required subquestion":"Consumer’s direct address update","Finding/claims":"C020","Status and exact next action":"Adverse exception. Prove maintainer receipt/date."},"raw_table_index":8,"coordinator_acceptance":"scoped_supported_or_explicit_hold_not_component_country_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. Per-sourcechecks separate."},{"topic":"G30 Electronic notice allowed","researcher_record":{"#":"G30","Required subquestion":"Electronic notice allowed","Finding/claims":"C021","Status and exact next action":"Answered under Tema 1.315."},"raw_table_index":8,"coordinator_acceptance":"scoped_supported_or_explicit_hold_not_component_country_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. Per-sourcechecks separate."},{"topic":"G31 Electronic send proof","researcher_record":{"#":"G31","Required subquestion":"Electronic send proof","Finding/claims":"C022","Status and exact next action":"Required. Obtain technical send record."},"raw_table_index":8,"coordinator_acceptance":"scoped_supported_or_explicit_hold_not_component_country_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. Per-sourcechecks separate."},{"topic":"G32 Electronic delivery proof","researcher_record":{"#":"G32","Required subquestion":"Electronic delivery proof","Finding/claims":"C022, C024","Status and exact next action":"Required. Obtain destination-level delivery result."},"raw_table_index":8,"coordinator_acceptance":"scoped_supported_or_explicit_hold_not_component_country_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. Per-sourcechecks separate."},{"topic":"G33 Proof of reading","researcher_record":{"#":"G33","Required subquestion":"Proof of reading","Finding/claims":"C023","Status and exact next action":"Not generally required."},"raw_table_index":8,"coordinator_acceptance":"scoped_supported_or_explicit_hold_not_component_country_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. Per-sourcechecks separate."},{"topic":"G34 Consumer-provided electronic contact","researcher_record":{"#":"G34","Required subquestion":"Consumer-provided electronic contact","Finding/claims":"C024","Status and exact next action":"Material. Establish origin and validity of contact."},"raw_table_index":8,"coordinator_acceptance":"scoped_supported_or_explicit_hold_not_component_country_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. Per-sourcechecks separate."},{"topic":"G35 Bounce/inactive address","researcher_record":{"#":"G35","Required subquestion":"Bounce/inactive address","Finding/claims":"C024","Status and exact next action":"Insufficient delivery."},"raw_table_index":8,"coordinator_acceptance":"scoped_supported_or_explicit_hold_not_component_country_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. Per-sourcechecks separate."},{"topic":"G36 SMS/WhatsApp/email","researcher_record":{"#":"G36","Required subquestion":"SMS/WhatsApp/email","Finding/claims":"C021–C024","Status and exact next action":"Potential channels. Proof conditions remain."},"raw_table_index":8,"coordinator_acceptance":"scoped_supported_or_explicit_hold_not_component_country_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. Per-sourcechecks separate."},{"topic":"G37 2023 email-only conflict","researcher_record":{"#":"G37","Required subquestion":"2023 email-only conflict","Finding/claims":"C025, C060","Status and exact next action":"Resolved by 2026 repetitive thesis."},"raw_table_index":8,"coordinator_acceptance":"scoped_supported_or_explicit_hold_not_component_country_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. Per-sourcechecks separate."},{"topic":"G38 Notice purpose","researcher_record":{"#":"G38","Required subquestion":"Notice purpose","Finding/claims":"C026","Status and exact next action":"Answered generally. Does not create fixed waiting period."},"raw_table_index":8,"coordinator_acceptance":"scoped_supported_or_explicit_hold_not_component_country_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. Per-sourcechecks separate."},{"topic":"G39 Five-year maximum","researcher_record":{"#":"G39","Required subquestion":"Five-year maximum","Finding/claims":"C027","Status and exact next action":"Answered. Verify correct debt and clock."},"raw_table_index":8,"coordinator_acceptance":"scoped_supported_or_explicit_hold_not_component_country_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. Per-sourcechecks separate."},{"topic":"G40 Day-after-maturity trigger","researcher_record":{"#":"G40","Required subquestion":"Day-after-maturity trigger","Finding/claims":"C028","Status and exact next action":"Answered. Obtain maturity evidence."},"raw_table_index":8,"coordinator_acceptance":"scoped_supported_or_explicit_hold_not_component_country_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. Per-sourcechecks separate."},{"topic":"G41 Maturity field in database","researcher_record":{"#":"G41","Required subquestion":"Maturity field in database","Finding/claims":"C029","Status and exact next action":"Required. Inspect actual record."},"raw_table_index":8,"coordinator_acceptance":"scoped_supported_or_explicit_hold_not_component_country_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. Per-sourcechecks separate."},{"topic":"G42 Maintainer temporal control","researcher_record":{"#":"G42","Required subquestion":"Maintainer temporal control","Finding/claims":"C030","Status and exact next action":"Answered. Audit both limits."},"raw_table_index":8,"coordinator_acceptance":"scoped_supported_or_explicit_hold_not_component_country_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. Per-sourcechecks separate."},{"topic":"G43 Registration date versus maturity","researcher_record":{"#":"G43","Required subquestion":"Registration date versus maturity","Finding/claims":"C028, C033","Status and exact next action":"Answered: registration does not restart."},"raw_table_index":8,"coordinator_acceptance":"scoped_supported_or_explicit_hold_not_component_country_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. Per-sourcechecks separate."},{"topic":"G44 Re-entry of same debt","researcher_record":{"#":"G44","Required subquestion":"Re-entry of same debt","Finding/claims":"C033","Status and exact next action":"No fresh period. Verify debt identity."},"raw_table_index":8,"coordinator_acceptance":"scoped_supported_or_explicit_hold_not_component_country_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. Per-sourcechecks separate."},{"topic":"G45 Assignment/collector change","researcher_record":{"#":"G45","Required subquestion":"Assignment/collector change","Finding/claims":"C006, C033","Status and exact next action":"No restart by itself."},"raw_table_index":8,"coordinator_acceptance":"scoped_supported_or_explicit_hold_not_component_country_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. Per-sourcechecks separate."},{"topic":"G46 New obligation after settlement","researcher_record":{"#":"G46","Required subquestion":"New obligation after settlement","Finding/claims":"C034","Status and exact next action":"Unresolved. Read actual agreement."},"raw_table_index":8,"coordinator_acceptance":"scoped_supported_or_explicit_hold_not_component_country_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. Per-sourcechecks separate."},{"topic":"G47 CDC §5 prescription boundary","researcher_record":{"#":"G47","Required subquestion":"CDC §5 prescription boundary","Finding/claims":"C031","Status and exact next action":"Answered structurally. Full prescription deferred."},"raw_table_index":8,"coordinator_acceptance":"scoped_supported_or_explicit_hold_not_component_country_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. Per-sourcechecks separate."},{"topic":"G48 Prescription of execution","researcher_record":{"#":"G48","Required subquestion":"Prescription of execution","Finding/claims":"C032","Status and exact next action":"Not automatically sufficient."},"raw_table_index":8,"coordinator_acceptance":"scoped_supported_or_explicit_hold_not_component_country_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. Per-sourcechecks separate."},{"topic":"G49 Debt forgiveness/voidness","researcher_record":{"#":"G49","Required subquestion":"Debt forgiveness/voidness","Finding/claims":"C035","Status and exact next action":"Not established."},"raw_table_index":8,"coordinator_acceptance":"scoped_supported_or_explicit_hold_not_component_country_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. Per-sourcechecks separate."},{"topic":"G50 Full effective payment","researcher_record":{"#":"G50","Required subquestion":"Full effective payment","Finding/claims":"C036","Status and exact next action":"Deletion trigger established."},"raw_table_index":8,"coordinator_acceptance":"scoped_supported_or_explicit_hold_not_component_country_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. Per-sourcechecks separate."},{"topic":"G51 Creditor deletion duty","researcher_record":{"#":"G51","Required subquestion":"Creditor deletion duty","Finding/claims":"C036–C037","Status and exact next action":"Answered. Identify current creditor."},"raw_table_index":8,"coordinator_acceptance":"scoped_supported_or_explicit_hold_not_component_country_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. Per-sourcechecks separate."},{"topic":"G52 Five-business-day period","researcher_record":{"#":"G52","Required subquestion":"Five-business-day period","Finding/claims":"C037–C038","Status and exact next action":"Answered. Verify calendar."},"raw_table_index":8,"coordinator_acceptance":"scoped_supported_or_explicit_hold_not_component_country_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. Per-sourcechecks separate."},{"topic":"G53 Complete funds availability","researcher_record":{"#":"G53","Required subquestion":"Complete funds availability","Finding/claims":"C038–C039","Status and exact next action":"Required trigger. Obtain clearing record."},"raw_table_index":8,"coordinator_acceptance":"scoped_supported_or_explicit_hold_not_component_country_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. Per-sourcechecks separate."},{"topic":"G54 Cheque/boleto/transfer","researcher_record":{"#":"G54","Required subquestion":"Cheque/boleto/transfer","Finding/claims":"C039","Status and exact next action":"Clearance-dependent."},"raw_table_index":8,"coordinator_acceptance":"scoped_supported_or_explicit_hold_not_component_country_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. Per-sourcechecks separate."},{"topic":"G55 Partial payment","researcher_record":{"#":"G55","Required subquestion":"Partial payment","Finding/claims":"C040–C041","Status and exact next action":"No automatic deletion; possible amount update."},"raw_table_index":8,"coordinator_acceptance":"scoped_supported_or_explicit_hold_not_component_country_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. Per-sourcechecks separate."},{"topic":"G56 First settlement instalment","researcher_record":{"#":"G56","Required subquestion":"First settlement instalment","Finding/claims":"C042","Status and exact next action":"No universal rule established."},"raw_table_index":8,"coordinator_acceptance":"scoped_supported_or_explicit_hold_not_component_country_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. Per-sourcechecks separate."},{"topic":"G57 Fully performed settlement","researcher_record":{"#":"G57","Required subquestion":"Fully performed settlement","Finding/claims":"C043","Status and exact next action":"Full-payment principle potentially applies."},"raw_table_index":8,"coordinator_acceptance":"scoped_supported_or_explicit_hold_not_component_country_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. Per-sourcechecks separate."},{"topic":"G58 Settlement novation/release","researcher_record":{"#":"G58","Required subquestion":"Settlement novation/release","Finding/claims":"C034, C042–C043","Status and exact next action":"Held. Obtain executed agreement."},"raw_table_index":8,"coordinator_acceptance":"scoped_supported_or_explicit_hold_not_component_country_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. Per-sourcechecks separate."},{"topic":"G59 Other lawful entries","researcher_record":{"#":"G59","Required subquestion":"Other lawful entries","Finding/claims":"C052","Status and exact next action":"Not automatically deleted."},"raw_table_index":8,"coordinator_acceptance":"scoped_supported_or_explicit_hold_not_component_country_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. Per-sourcechecks separate."},{"topic":"G60 Access-response deadline under CDC","researcher_record":{"#":"G60","Required subquestion":"Access-response deadline under CDC","Finding/claims":"C047","Status and exact next action":"No numeric CDC art. 43 period found. Full LGPD held."},"raw_table_index":8,"coordinator_acceptance":"scoped_supported_or_explicit_hold_not_component_country_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. Per-sourcechecks separate."},{"topic":"G61 Immediate correction","researcher_record":{"#":"G61","Required subquestion":"Immediate correction","Finding/claims":"C044, C046","Status and exact next action":"Answered. Do not treat five days as correction grace."},"raw_table_index":8,"coordinator_acceptance":"scoped_supported_or_explicit_hold_not_component_country_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. Per-sourcechecks separate."},{"topic":"G62 Downstream-recipient notification","researcher_record":{"#":"G62","Required subquestion":"Downstream-recipient notification","Finding/claims":"C045","Status and exact next action":"Five business days. Identify recipients."},"raw_table_index":8,"coordinator_acceptance":"scoped_supported_or_explicit_hold_not_component_country_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. Per-sourcechecks separate."},{"topic":"G63 Mistaken identity","researcher_record":{"#":"G63","Required subquestion":"Mistaken identity","Finding/claims":"C049","Status and exact next action":"Correction branch. Prove identity mismatch."},"raw_table_index":8,"coordinator_acceptance":"scoped_supported_or_explicit_hold_not_component_country_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. Per-sourcechecks separate."},{"topic":"G64 Inaccurate amount","researcher_record":{"#":"G64","Required subquestion":"Inaccurate amount","Finding/claims":"C041, C049","Status and exact next action":"Correction/update branch. Reconcile ledger."},"raw_table_index":8,"coordinator_acceptance":"scoped_supported_or_explicit_hold_not_component_country_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. Per-sourcechecks separate."},{"topic":"G65 Wrong maturity","researcher_record":{"#":"G65","Required subquestion":"Wrong maturity","Finding/claims":"C029, C049","Status and exact next action":"Material error. Correct duration data."},"raw_table_index":8,"coordinator_acceptance":"scoped_supported_or_explicit_hold_not_component_country_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. Per-sourcechecks separate."},{"topic":"G66 Wrong source/creditor","researcher_record":{"#":"G66","Required subquestion":"Wrong source/creditor","Finding/claims":"C011, C049","Status and exact next action":"Material field. Identify actual source."},"raw_table_index":8,"coordinator_acceptance":"scoped_supported_or_explicit_hold_not_component_country_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. Per-sourcechecks separate."},{"topic":"G67 Prior lawful entry","researcher_record":{"#":"G67","Required subquestion":"Prior lawful entry","Finding/claims":"C050–C052","Status and exact next action":"May affect damages, not cancellation."},"raw_table_index":8,"coordinator_acceptance":"scoped_supported_or_explicit_hold_not_component_country_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. Per-sourcechecks separate."},{"topic":"G68 Remedies/damages","researcher_record":{"#":"G68","Required subquestion":"Remedies/damages","Finding/claims":"C051–C053","Status and exact next action":"Deferred. No award or no-liability promise."},"raw_table_index":8,"coordinator_acceptance":"scoped_supported_or_explicit_hold_not_component_country_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. Per-sourcechecks separate."},{"topic":"G69 Generic consumer route","researcher_record":{"#":"G69","Required subquestion":"Generic consumer route","Finding/claims":"C056","Status and exact next action":"Described only. No filing/contact."},"raw_table_index":8,"coordinator_acceptance":"scoped_supported_or_explicit_hold_not_component_country_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. Per-sourcechecks separate."},{"topic":"G70 Basic LGPD overlap","researcher_record":{"#":"G70","Required subquestion":"Basic LGPD overlap","Finding/claims":"C057","Status and exact next action":"Named hold. No full analysis."},"raw_table_index":8,"coordinator_acceptance":"scoped_supported_or_explicit_hold_not_component_country_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. Per-sourcechecks separate."},{"topic":"G71 H01 no notice","researcher_record":{"#":"G71","Required subquestion":"H01 no notice","Finding/claims":"C015–C017","Status and exact next action":"Completed fiction."},"raw_table_index":8,"coordinator_acceptance":"scoped_supported_or_explicit_hold_not_component_country_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. Per-sourcechecks separate."},{"topic":"G72 H02 wrong address/electronic failure","researcher_record":{"#":"G72","Required subquestion":"H02 wrong address/electronic failure","Finding/claims":"C018–C025","Status and exact next action":"Completed fiction."},"raw_table_index":8,"coordinator_acceptance":"scoped_supported_or_explicit_hold_not_component_country_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. Per-sourcechecks separate."},{"topic":"G73 H03 near five-year limit","researcher_record":{"#":"G73","Required subquestion":"H03 near five-year limit","Finding/claims":"C027–C033, C058","Status and exact next action":"Completed date calculation."},"raw_table_index":8,"coordinator_acceptance":"scoped_supported_or_explicit_hold_not_component_country_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. Per-sourcechecks separate."},{"topic":"G74 H04 assignment","researcher_record":{"#":"G74","Required subquestion":"H04 assignment","Finding/claims":"C006, C033–C034","Status and exact next action":"Completed fiction."},"raw_table_index":8,"coordinator_acceptance":"scoped_supported_or_explicit_hold_not_component_country_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. Per-sourcechecks separate."},{"topic":"G75 H05 full cleared payment","researcher_record":{"#":"G75","Required subquestion":"H05 full cleared payment","Finding/claims":"C036–C039, C059","Status and exact next action":"Completed business-day calculation."},"raw_table_index":8,"coordinator_acceptance":"scoped_supported_or_explicit_hold_not_component_country_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. Per-sourcechecks separate."},{"topic":"G76 H06 partial settlement","researcher_record":{"#":"G76","Required subquestion":"H06 partial settlement","Finding/claims":"C040–C043","Status and exact next action":"Completed fiction; terms unknown."},"raw_table_index":8,"coordinator_acceptance":"scoped_supported_or_explicit_hold_not_component_country_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. Per-sourcechecks separate."},{"topic":"G77 H07 identity/amount error","researcher_record":{"#":"G77","Required subquestion":"H07 identity/amount error","Finding/claims":"C044–C049","Status and exact next action":"Completed fiction."},"raw_table_index":8,"coordinator_acceptance":"scoped_supported_or_explicit_hold_not_component_country_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. Per-sourcechecks separate."},{"topic":"G78 H08 prior lawful entry","researcher_record":{"#":"G78","Required subquestion":"H08 prior lawful entry","Finding/claims":"C050–C053","Status and exact next action":"Completed fiction."},"raw_table_index":8,"coordinator_acceptance":"scoped_supported_or_explicit_hold_not_component_country_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. Per-sourcechecks separate."},{"topic":"G79 H09 representative correction","researcher_record":{"#":"G79","Required subquestion":"H09 representative correction","Finding/claims":"C008, C044–C048","Status and exact next action":"Completed fiction."},"raw_table_index":8,"coordinator_acceptance":"scoped_supported_or_explicit_hold_not_component_country_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. Per-sourcechecks separate."},{"topic":"G80 P01 old-to-new/currentness/acceptance","researcher_record":{"#":"G80","Required subquestion":"P01 old-to-new/currentness/acceptance","Finding/claims":"C060","Status and exact next action":"Narrow augmentation only; all broader holds retained."},"raw_table_index":8,"coordinator_acceptance":"scoped_supported_or_explicit_hold_not_component_country_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. Per-sourcechecks separate."},{"topic":"P06-D01 Full LGPD legal bases, controllers, processors and operators","researcher_record":{"#":"P06-D01","Deferred family":"Full LGPD legal bases, controllers, processors and operators","Exact remaining action":"Read complete current LGPD, regulations and actor-specific data flow."},"raw_table_index":9,"coordinator_acceptance":"scoped_supported_or_explicit_hold_not_component_country_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. Per-sourcechecks separate."},{"topic":"D02 LGPD access, response deadlines, sharing and rectification procedure","researcher_record":{"#":"D02","Deferred family":"LGPD access, response deadlines, sharing and rectification procedure","Exact remaining action":"Reconcile CDC and LGPD with actual request and controller."},"raw_table_index":9,"coordinator_acceptance":"scoped_supported_or_explicit_hold_not_component_country_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. Per-sourcechecks separate."},{"topic":"D03 Cross-border data transfers, foreign controllers and recognition","researcher_record":{"#":"D03","Deferred family":"Cross-border data transfers, foreign controllers and recognition","Exact remaining action":"Determine processing locations and current international-transfer rules."},"raw_table_index":9,"coordinator_acceptance":"scoped_supported_or_explicit_hold_not_component_country_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. Per-sourcechecks separate."},{"topic":"D04 Data security, incidents and fraud controls","researcher_record":{"#":"D04","Deferred family":"Data security, incidents and fraud controls","Exact remaining action":"Read current ANPD security/incident instruments and actual facts."},"raw_table_index":9,"coordinator_acceptance":"scoped_supported_or_explicit_hold_not_component_country_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. Per-sourcechecks separate."},{"topic":"D05 Cadastro Positivo","researcher_record":{"#":"D05","Deferred family":"Cadastro Positivo","Exact remaining action":"Read Lei 12.414/2011 and current implementing rules separately."},"raw_table_index":9,"coordinator_acceptance":"scoped_supported_or_explicit_hold_not_component_country_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. Per-sourcechecks separate."},{"topic":"D06 Credit scores and automated decisions","researcher_record":{"#":"D06","Deferred family":"Credit scores and automated decisions","Exact remaining action":"Research scoring inputs, explanations, review and discrimination separately."},"raw_table_index":9,"coordinator_acceptance":"scoped_supported_or_explicit_hold_not_component_country_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. Per-sourcechecks separate."},{"topic":"D07 SCR/Banco Central reporting","researcher_record":{"#":"D07","Deferred family":"SCR/Banco Central reporting","Exact remaining action":"Read current CMN/BCB rules; S016 establishes distinction only."},"raw_table_index":9,"coordinator_acceptance":"scoped_supported_or_explicit_hold_not_component_country_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. Per-sourcechecks separate."},{"topic":"D08 Pix and payment-system data","researcher_record":{"#":"D08","Deferred family":"Pix and payment-system data","Exact remaining action":"Separate payment-system branch."},"raw_table_index":9,"coordinator_acceptance":"scoped_supported_or_explicit_hold_not_component_country_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. Per-sourcechecks separate."},{"topic":"D09 Cadin and other governmental debtor registers","researcher_record":{"#":"D09","Deferred family":"Cadin and other governmental debtor registers","Exact remaining action":"Read specific public-law register regime."},"raw_table_index":9,"coordinator_acceptance":"scoped_supported_or_explicit_hold_not_component_country_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. Per-sourcechecks separate."},{"topic":"D10 Protest, cancellation and notarial records","researcher_record":{"#":"D10","Deferred family":"Protest, cancellation and notarial records","Exact remaining action":"Read Lei 9.492 and local notarial implementation separately."},"raw_table_index":9,"coordinator_acceptance":"scoped_supported_or_explicit_hold_not_component_country_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. Per-sourcechecks separate."},{"topic":"D11 Court-ordered negativation, judgments and public court data","researcher_record":{"#":"D11","Deferred family":"Court-ordered negativation, judgments and public court data","Exact remaining action":"Read CPC and court rules separately."},"raw_table_index":9,"coordinator_acceptance":"scoped_supported_or_explicit_hold_not_component_country_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. Per-sourcechecks separate."},{"topic":"D12 Operator/bureau policies, contracts and technical evidence standards","researcher_record":{"#":"D12","Deferred family":"Operator/bureau policies, contracts and technical evidence standards","Exact remaining action":"Obtain actual policy only after named review is authorized; policy cannot replace law."},"raw_table_index":9,"coordinator_acceptance":"scoped_supported_or_explicit_hold_not_component_country_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. Per-sourcechecks separate."},{"topic":"D13 Full debt prescription","researcher_record":{"#":"D13","Deferred family":"Full debt prescription","Exact remaining action":"Independently classify obligation, accrual, interruption and current Tema status; PASS-05 is unreviewed."},"raw_table_index":9,"coordinator_acceptance":"scoped_supported_or_explicit_hold_not_component_country_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. Per-sourcechecks separate."},{"topic":"D14 General collection communications and abusive conduct","researcher_record":{"#":"D14","Deferred family":"General collection communications and abusive conduct","Exact remaining action":"Read CDC collection-conduct and sector rules separately."},"raw_table_index":9,"coordinator_acceptance":"scoped_supported_or_explicit_hold_not_component_country_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. Per-sourcechecks separate."},{"topic":"D15 Full civil remedies, damages, causation and limitation","researcher_record":{"#":"D15","Deferred family":"Full civil remedies, damages, causation and limitation","Exact remaining action":"Conduct comprehensive current judicial/citator review."},"raw_table_index":9,"coordinator_acceptance":"scoped_supported_or_explicit_hold_not_component_country_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. Per-sourcechecks separate."},{"topic":"D16 Private cases, dockets and actual credit reports","researcher_record":{"#":"D16","Deferred family":"Private cases, dockets and actual credit reports","Exact remaining action":"None searched; obtain only under separate authorization."},"raw_table_index":9,"coordinator_acceptance":"scoped_supported_or_explicit_hold_not_component_country_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. Per-sourcechecks separate."},{"topic":"D17 Assignment, servicing and debt-buyer authority","researcher_record":{"#":"D17","Deferred family":"Assignment, servicing and debt-buyer authority","Exact remaining action":"Obtain chain of title and current substantive law."},"raw_table_index":9,"coordinator_acceptance":"scoped_supported_or_explicit_hold_not_component_country_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. Per-sourcechecks separate."},{"topic":"D18 Settlement, novation, release and instalment-default effects","researcher_record":{"#":"D18","Deferred family":"Settlement, novation, release and instalment-default effects","Exact remaining action":"Review executed agreement; no first-instalment universal rule."},"raw_table_index":9,"coordinator_acceptance":"scoped_supported_or_explicit_hold_not_component_country_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. Per-sourcechecks separate."},{"topic":"D19 Guaranties and joint liability","researcher_record":{"#":"D19","Deferred family":"Guaranties and joint liability","Exact remaining action":"Read actual instrument and substantive liability law."},"raw_table_index":9,"coordinator_acceptance":"scoped_supported_or_explicit_hold_not_component_country_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. Per-sourcechecks separate."},{"topic":"D20 Mortgages, vehicle security and other collateral","researcher_record":{"#":"D20","Deferred family":"Mortgages, vehicle security and other collateral","Exact remaining action":"Separate secured-credit and enforcement analysis."},"raw_table_index":9,"coordinator_acceptance":"scoped_supported_or_explicit_hold_not_component_country_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. Per-sourcechecks separate."},{"topic":"D21 Product-specific banking, card, telecom, utility and insurance entries","researcher_record":{"#":"D21","Deferred family":"Product-specific banking, card, telecom, utility and insurance entries","Exact remaining action":"Identify product and read special law."},"raw_table_index":9,"coordinator_acceptance":"scoped_supported_or_explicit_hold_not_component_country_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. Per-sourcechecks separate."},{"topic":"D22 Tax, support, student and public claims","researcher_record":{"#":"D22","Deferred family":"Tax, support, student and public claims","Exact remaining action":"Separate sovereign/program regimes."},"raw_table_index":9,"coordinator_acceptance":"scoped_supported_or_explicit_hold_not_component_country_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. Per-sourcechecks separate."},{"topic":"D23 Insolvency, recuperação, falência and court plans","researcher_record":{"#":"D23","Deferred family":"Insolvency, recuperação, falência and court plans","Exact remaining action":"Research reporting effects of the specific proceeding."},"raw_table_index":9,"coordinator_acceptance":"scoped_supported_or_explicit_hold_not_component_country_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. Per-sourcechecks separate."},{"topic":"D24 Tax treatment of forgiveness, settlement and write-offs","researcher_record":{"#":"D24","Deferred family":"Tax treatment of forgiveness, settlement and write-offs","Exact remaining action":"Obtain transaction and current tax authority."},"raw_table_index":9,"coordinator_acceptance":"scoped_supported_or_explicit_hold_not_component_country_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. Per-sourcechecks separate."},{"topic":"D25 OAB, CRA, CORECON and professional permission","researcher_record":{"#":"D25","Deferred family":"OAB, CRA, CORECON and professional permission","Exact remaining action":"Preserve P01 professional holds."},"raw_table_index":9,"coordinator_acceptance":"scoped_supported_or_explicit_hold_not_component_country_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. Per-sourcechecks separate."},{"topic":"D26 Lending and financial-activity permission","researcher_record":{"#":"D26","Deferred family":"Lending and financial-activity permission","Exact remaining action":"Preserve P01 financial-regulation holds."},"raw_table_index":9,"coordinator_acceptance":"scoped_supported_or_explicit_hold_not_component_country_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. Per-sourcechecks separate."},{"topic":"D27 CMN 4.935 / Joint Resolution 17 correspondents","researcher_record":{"#":"D27","Deferred family":"CMN 4.935 / Joint Resolution 17 correspondents","Exact remaining action":"Preserve P02 partial current-text hold."},"raw_table_index":9,"coordinator_acceptance":"scoped_supported_or_explicit_hold_not_component_country_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. Per-sourcechecks separate."},{"topic":"D28 BCB Resolution 494/payment-institution authorization","researcher_record":{"#":"D28","Deferred family":"BCB Resolution 494/payment-institution authorization","Exact remaining action":"Preserve payment-rule hold."},"raw_table_index":9,"coordinator_acceptance":"scoped_supported_or_explicit_hold_not_component_country_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. Per-sourcechecks separate."},{"topic":"D29 Client-money title, custody and safeguarding","researcher_record":{"#":"D29","Deferred family":"Client-money title, custody and safeguarding","Exact remaining action":"Obtain actual funds flow and current payment law."},"raw_table_index":9,"coordinator_acceptance":"scoped_supported_or_explicit_hold_not_component_country_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. Per-sourcechecks separate."},{"topic":"D30 Adviser fees, cancellation and engagement contracts","researcher_record":{"#":"D30","Deferred family":"Adviser fees, cancellation and engagement contracts","Exact remaining action":"PASS-04 remains unreviewed and is not adopted here."},"raw_table_index":9,"coordinator_acceptance":"scoped_supported_or_explicit_hold_not_component_country_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. Per-sourcechecks separate."},{"topic":"D31 CDC superindebtedness, STF minimum and repactuação","researcher_record":{"#":"D31","Deferred family":"CDC superindebtedness, STF minimum and repactuação","Exact remaining action":"Preserve prior gateway/currentness holds."},"raw_table_index":9,"coordinator_acceptance":"scoped_supported_or_explicit_hold_not_component_country_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. Per-sourcechecks separate."},{"topic":"D32 Later federal amendments and full current citator","researcher_record":{"#":"D32","Deferred family":"Later federal amendments and full current citator","Exact remaining action":"Reopen consequential bodies before publication."},"raw_table_index":9,"coordinator_acceptance":"scoped_supported_or_explicit_hold_not_component_country_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. Per-sourcechecks separate."},{"topic":"D33 State/DF, municipal, Procon and court implementation","researcher_record":{"#":"D33","Deferred family":"State/DF, municipal, Procon and court implementation","Exact remaining action":"Research every targeted locality individually."},"raw_table_index":9,"coordinator_acceptance":"scoped_supported_or_explicit_hold_not_component_country_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. Per-sourcechecks separate."},{"topic":"D34 Language and accessibility beyond CDC art. 43 §6","researcher_record":{"#":"D34","Deferred family":"Language and accessibility beyond CDC art. 43 §6","Exact remaining action":"Determine actual consumer needs and applicable implementation."},"raw_table_index":9,"coordinator_acceptance":"scoped_supported_or_explicit_hold_not_component_country_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. Per-sourcechecks separate."},{"topic":"D35 Full Brazil, A097/A098, parent-program and publication acceptance","researcher_record":{"#":"D35","Deferred family":"Full Brazil, A097/A098, parent-program and publication acceptance","Exact remaining action":"HOLD pending same-coordinator review and all outstanding branches."},"raw_table_index":9,"coordinator_acceptance":"scoped_supported_or_explicit_hold_not_component_country_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. Per-sourcechecks separate."},{"topic":"Acre (AC) No local body read","researcher_record":{"State / DF":"Acre (AC)","PASS-06 status":"No local body read","Exact remaining local issue":"AC Procon, court, notification evidence, local holidays and remedies."},"raw_table_index":10,"coordinator_acceptance":"scoped_supported_or_explicit_hold_not_component_country_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. Per-sourcechecks separate."},{"topic":"Alagoas (AL) No local body read","researcher_record":{"State / DF":"Alagoas (AL)","PASS-06 status":"No local body read","Exact remaining local issue":"AL consumer enforcement, court procedure, holidays and local routes."},"raw_table_index":10,"coordinator_acceptance":"scoped_supported_or_explicit_hold_not_component_country_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. Per-sourcechecks separate."},{"topic":"Amapá (AP) No local body read","researcher_record":{"State / DF":"Amapá (AP)","PASS-06 status":"No local body read","Exact remaining local issue":"AP Procon/court implementation, accessibility and municipal procedure."},"raw_table_index":10,"coordinator_acceptance":"scoped_supported_or_explicit_hold_not_component_country_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. Per-sourcechecks separate."},{"topic":"Amazonas (AM) No local body read","researcher_record":{"State / DF":"Amazonas (AM)","PASS-06 status":"No local body read","Exact remaining local issue":"AM consumer authorities, courts, remote access and local calendars."},"raw_table_index":10,"coordinator_acceptance":"scoped_supported_or_explicit_hold_not_component_country_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. Per-sourcechecks separate."},{"topic":"Bahia (BA) No local body read","researcher_record":{"State / DF":"Bahia (BA)","PASS-06 status":"No local body read","Exact remaining local issue":"BA Procon, court and municipal implementation of federal duties."},"raw_table_index":10,"coordinator_acceptance":"scoped_supported_or_explicit_hold_not_component_country_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. Per-sourcechecks separate."},{"topic":"Ceará (CE) No local body read","researcher_record":{"State / DF":"Ceará (CE)","PASS-06 status":"No local body read","Exact remaining local issue":"CE consumer enforcement, courts and local notice/remedy practice."},"raw_table_index":10,"coordinator_acceptance":"scoped_supported_or_explicit_hold_not_component_country_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. Per-sourcechecks separate."},{"topic":"Distrito Federal (DF) No local body read","researcher_record":{"State / DF":"Distrito Federal (DF)","PASS-06 status":"No local body read","Exact remaining local issue":"DF consumer authority, TJDFT, local procedures and holidays."},"raw_table_index":10,"coordinator_acceptance":"scoped_supported_or_explicit_hold_not_component_country_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. Per-sourcechecks separate."},{"topic":"Espírito Santo (ES) No local body read","researcher_record":{"State / DF":"Espírito Santo (ES)","PASS-06 status":"No local body read","Exact remaining local issue":"ES Procon, courts, municipalities and evidentiary practice."},"raw_table_index":10,"coordinator_acceptance":"scoped_supported_or_explicit_hold_not_component_country_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. Per-sourcechecks separate."},{"topic":"Goiás (GO) No local body read","researcher_record":{"State / DF":"Goiás (GO)","PASS-06 status":"No local body read","Exact remaining local issue":"GO consumer enforcement, courts and local calendar."},"raw_table_index":10,"coordinator_acceptance":"scoped_supported_or_explicit_hold_not_component_country_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. Per-sourcechecks separate."},{"topic":"Maranhão (MA) No local body read","researcher_record":{"State / DF":"Maranhão (MA)","PASS-06 status":"No local body read","Exact remaining local issue":"MA Procon, judicial routes, municipalities and accessibility."},"raw_table_index":10,"coordinator_acceptance":"scoped_supported_or_explicit_hold_not_component_country_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. Per-sourcechecks separate."},{"topic":"Mato Grosso (MT) No local body read","researcher_record":{"State / DF":"Mato Grosso (MT)","PASS-06 status":"No local body read","Exact remaining local issue":"MT court/consumer implementation and local procedures."},"raw_table_index":10,"coordinator_acceptance":"scoped_supported_or_explicit_hold_not_component_country_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. Per-sourcechecks separate."},{"topic":"Mato Grosso do Sul (MS) No local body read","researcher_record":{"State / DF":"Mato Grosso do Sul (MS)","PASS-06 status":"No local body read","Exact remaining local issue":"MS courts, Procon, border/remote issues and holidays."},"raw_table_index":10,"coordinator_acceptance":"scoped_supported_or_explicit_hold_not_component_country_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. Per-sourcechecks separate."},{"topic":"Minas Gerais (MG) No local body read","researcher_record":{"State / DF":"Minas Gerais (MG)","PASS-06 status":"No local body read","Exact remaining local issue":"MG consumer enforcement, courts and municipal routes."},"raw_table_index":10,"coordinator_acceptance":"scoped_supported_or_explicit_hold_not_component_country_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. Per-sourcechecks separate."},{"topic":"Pará (PA) No local body read","researcher_record":{"State / DF":"Pará (PA)","PASS-06 status":"No local body read","Exact remaining local issue":"PA Procon, courts, accessibility and language needs."},"raw_table_index":10,"coordinator_acceptance":"scoped_supported_or_explicit_hold_not_component_country_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. Per-sourcechecks separate."},{"topic":"Paraíba (PB) No local body read","researcher_record":{"State / DF":"Paraíba (PB)","PASS-06 status":"No local body read","Exact remaining local issue":"PB consumer authority, courts and municipal procedure."},"raw_table_index":10,"coordinator_acceptance":"scoped_supported_or_explicit_hold_not_component_country_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. Per-sourcechecks separate."},{"topic":"Paraná (PR) No local body read","researcher_record":{"State / DF":"Paraná (PR)","PASS-06 status":"No local body read","Exact remaining local issue":"PR Procon, courts, local remedies and calendars."},"raw_table_index":10,"coordinator_acceptance":"scoped_supported_or_explicit_hold_not_component_country_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. Per-sourcechecks separate."},{"topic":"Pernambuco (PE) No local body read","researcher_record":{"State / DF":"Pernambuco (PE)","PASS-06 status":"No local body read","Exact remaining local issue":"PE consumer enforcement, courts and municipalities."},"raw_table_index":10,"coordinator_acceptance":"scoped_supported_or_explicit_hold_not_component_country_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. Per-sourcechecks separate."},{"topic":"Piauí (PI) No local body read","researcher_record":{"State / DF":"Piauí (PI)","PASS-06 status":"No local body read","Exact remaining local issue":"PI Procon, judicial procedure and local calendar."},"raw_table_index":10,"coordinator_acceptance":"scoped_supported_or_explicit_hold_not_component_country_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. Per-sourcechecks separate."},{"topic":"Rio de Janeiro (RJ) No local body read","researcher_record":{"State / DF":"Rio de Janeiro (RJ)","PASS-06 status":"No local body read","Exact remaining local issue":"RJ consumer authority, courts, municipal routes and evidence practice."},"raw_table_index":10,"coordinator_acceptance":"scoped_supported_or_explicit_hold_not_component_country_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. Per-sourcechecks separate."},{"topic":"Rio Grande do Norte (RN) No local body read","researcher_record":{"State / DF":"Rio Grande do Norte (RN)","PASS-06 status":"No local body read","Exact remaining local issue":"RN Procon, courts and local implementation."},"raw_table_index":10,"coordinator_acceptance":"scoped_supported_or_explicit_hold_not_component_country_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. Per-sourcechecks separate."},{"topic":"Rio Grande do Sul (RS) No local body read","researcher_record":{"State / DF":"Rio Grande do Sul (RS)","PASS-06 status":"No local body read","Exact remaining local issue":"RS consumer authorities, courts and local current jurisprudence."},"raw_table_index":10,"coordinator_acceptance":"scoped_supported_or_explicit_hold_not_component_country_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. Per-sourcechecks separate."},{"topic":"Rondônia (RO) No local body read","researcher_record":{"State / DF":"Rondônia (RO)","PASS-06 status":"No local body read","Exact remaining local issue":"RO Procon, courts, remote access and municipalities."},"raw_table_index":10,"coordinator_acceptance":"scoped_supported_or_explicit_hold_not_component_country_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. Per-sourcechecks separate."},{"topic":"Roraima (RR) No local body read","researcher_record":{"State / DF":"Roraima (RR)","PASS-06 status":"No local body read","Exact remaining local issue":"RR consumer routes, multilingual/accessibility issues and courts."},"raw_table_index":10,"coordinator_acceptance":"scoped_supported_or_explicit_hold_not_component_country_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. Per-sourcechecks separate."},{"topic":"Santa Catarina (SC) No local body read","researcher_record":{"State / DF":"Santa Catarina (SC)","PASS-06 status":"No local body read","Exact remaining local issue":"SC Procon, courts and local implementation."},"raw_table_index":10,"coordinator_acceptance":"scoped_supported_or_explicit_hold_not_component_country_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. Per-sourcechecks separate."},{"topic":"São Paulo (SP) No local PASS-06 body read","researcher_record":{"State / DF":"São Paulo (SP)","PASS-06 status":"No local PASS-06 body read","Exact remaining local issue":"SP Procon, TJSP, municipalities, local holidays and current application."},"raw_table_index":10,"coordinator_acceptance":"scoped_supported_or_explicit_hold_not_component_country_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. Per-sourcechecks separate."},{"topic":"Sergipe (SE) No local body read","researcher_record":{"State / DF":"Sergipe (SE)","PASS-06 status":"No local body read","Exact remaining local issue":"SE consumer authority, courts and municipal procedure."},"raw_table_index":10,"coordinator_acceptance":"scoped_supported_or_explicit_hold_not_component_country_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. Per-sourcechecks separate."},{"topic":"Tocantins (TO) No local body read","researcher_record":{"State / DF":"Tocantins (TO)","PASS-06 status":"No local body read","Exact remaining local issue":"TO Procon, courts, accessibility and local routes."},"raw_table_index":10,"coordinator_acceptance":"scoped_supported_or_explicit_hold_not_component_country_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_selected_primary_math_coverage_review_with_holds","coordinator_review_scope":"Wholeanswer/all13tables;8selectedprimaryresourcesincludingfiveSumulas; noall20source/currentcitator/local/actualfactcertification. Per-sourcechecks separate."}],"annotations":{},"corrections":[],"resolved_corrections":[],"review_history":[{"id":"C_BR/pass-06","status":"Scopedprimary_math_coverage_review; no definite material repair inselectedchecks; unselectedsource_actualfacts_currentcitator_local_foreign_countryholdsretained","at":"2026-10-27T04:25:31.766016+00:00"}]}