{"meta":{"key":"c_br--pass-07","task":"C_BR","title":"Brazil: positive credit history and Cadastro Positivo","parent_title":"Brazil consumer debt and resolution","edition":"pass-07","path":"/research/c_br--pass-07/","kind":"split_pass","category":"international","role":"country","area_numbers":[97,98],"groups":["global"],"date":"2026-10-27","tables":12,"claims":72,"sources":11,"review_status":"P11legal_clock_count_and_P12actor_stage_provenance_repairs_addressed_with_holds","review_complete":true,"sha256":"9436775376cc79d7229c599cd2759740c76dddf9d9b06c247da0b7c3a0a93744","headings":["G1.1 Operative law and amendment timeline","G1.2 Actor matrix","G1.3 Natural persons, legal persons and territorial limits","G1.4 What constitutes positive payment history?","G1.5 Prohibited and out-of-scope data","G1.6 Manager requirements versus a general provider licence","G2.1 Opt-in to opt-out transition","G2.2 Opening notice","Notice exception","Previously expressed opt-out","G2.3 Sixty-day consultation barrier","G2.4 Full-history authorization","G2.5 Permitted consultation purpose","G2.6 Sharing among managers","G2.7 Cancellation and reopening","Effects of cancellation","Reopening","G2.8 Score-access suspension","G3.1 Free access","G3.2 Access clocks","G3.3 Correction and refusal","G3.4 Score criteria and transparency","G3.5 Automated decisions","G3.6 Duration and retention","G3.7 Limited LGPD crossover","G3.8 Generic registration and regulatory verification","H01 — Automatic opening without prior opt-in","H02 — Missing or delayed opening notice","H03 — Consumer requests cancellation","H04 — Later reopening after cancellation","H05 — Score-only consultation versus full-history access","H06 — Inaccurate partial-payment datum","H07 — Accurate datum but adverse credit decision","H08 — Legal-person business record","H09 — Representative requests access","H10 — Utility and financial-source edge","Literal reviewed P01 row preserved","PASS-07 narrow addition","Exact evidence still required for a real positive-history assessment"],"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-07","facets":{"geography":["international","c_br"],"debt_type":[],"stage":[],"subject":["privacy-data","accessibility","policy-history"]},"scope":"ReviewedP01D05positivepaymenthistory/cadastropositivocomponentonly;unreviewedP04P05P06notadopted","pending_corrections":0},"markdown":"# SettleADebt C_BR PASS-07 — Brazil\n\n**Distinct narrow component:** *Cadastro Positivo* / positive payment-history databases only.\n\n**Baseline:** October 22, 2026, America/Los_Angeles.\n**Fresh source-access dates:** October 26, 2026 PDT / October 27, 2026 UTC. Individual source-search and opening clock times were not logged and remain unknown. No inferred session window is used.\n**Status:** Narrow federal research report and publication hold. It is not an actual credit-file review, score explanation, database-manager authorization, consumer complaint, provider clearance, or country acceptance.\n\nPASS-04, PASS-05 and PASS-06 remain saved but unreviewed. None of their consumer-contract, prescription or negative-register conclusions is adopted as an accepted premise. This pass independently reads the positive-history regime.\n\n# Executive determination\n\nBrazil’s present *Cadastro Positivo* regime is an **opt-out positive-payment-history system**, not the original 2011 opt-in system.\n\n1. **Opening no longer requires prior consent.** Lei Complementar 166/2019 replaced the original consent-first model. A qualifying database manager may open a positive record for a natural or legal person under Lei 12.414/2011, subject to later notice, cancellation rights and the other statutory safeguards. The substantive opt-out amendments took effect 91 days after the April 9, 2019 official publication—July 9, 2019. [Planalto+1](https://www.planalto.gov.br/ccivil_03/leis/lcp/lcp166.htm)\n2. **Opening, consultation and full-history disclosure are three different events.**Opening may occur without prior opt-in.No information may be furnished to a *consulente* during the first 60 days after opening.A score may be furnished after the applicable waiting period and for a permitted credit-risk purpose.Disclosure of the **full credit history** requires the registered person’s prior, specific authorization. [Planalto+1](https://www.planalto.gov.br/ccivil_03/_ato2011-2014/2011/lei/l12414.htm)\n3. **Post-opening notice is mandatory but has a statutory exception.** Notice must occur without cost within 30 days after opening, directly by the manager or through a source, and must clearly identify available cancellation channels. The notice may be dispensed with if that person already has a positive record open at another database. [Planalto](https://www.planalto.gov.br/ccivil_03/_ato2011-2014/2011/lei/l12414.htm)\n4. **The data are defined and bounded.** The regime concerns financial and payment information for paid or current credit operations and payment obligations. The implementing decree identifies fields such as origination date, obligation value, due dates, amounts due, and full or partial payments. Unrelated or excessive information and specified sensitive information may not be recorded or used for scoring. [Planalto+1](https://www.planalto.gov.br/ccivil_03/_ato2011-2014/2011/lei/l12414.htm)\n5. **Cancellation and score suspension are separate rights.**A person may request free cancellation or reopening through any manager by telephone, physical channel or electronic channel.The receiving manager has up to two business days to act and forward the request; the other managers receive their own two-business-day period after receipt.A person may instead suspend third-party access to the score while retaining access to their own score.Cancellation prevents statutory use of the credit history, but does not necessarily erase legally retained audit records, delete negative entries, cancel the underlying debt or erase unrelated datasets. [Planalto+2](https://www.planalto.gov.br/ccivil_03/_ato2011-2014/2011/lei/l12414.htm)\n6. **Access and correction have multiple clocks.**The registered person has free access to their data, history and score without needing to justify the request.Specific source, sharing and consultant-access information is subject to a 10-day statutory response period.Erroneous information must be corrected or cancelled across the databases that shared it within 10 days.A source asked to verify challenged information has a separate two-business-day duty, and must update or correct information previously supplied within 10 days. [Planalto+1](https://www.planalto.gov.br/ccivil_03/_ato2011-2014/2011/lei/l12414.htm)\n7. **Score transparency is meaningful but not unlimited.** A person may learn the principal elements and criteria used in risk analysis and request review of a decision made exclusively through automated means. Trade secrets remain protected. The decree gives the *consulente* seven business days to provide the result of an automated-decision review. No law examined guarantees a higher score, credit approval or a particular interest rate. [Planalto+1](https://www.planalto.gov.br/ccivil_03/_ato2011-2014/2011/lei/l12414.htm)\n8. **Positive-history information has a different duration structure from an ordinary negative entry.** Lei 12.414 art. 14 sets a maximum of 15 years for positive payment information. Separately, Decreto 9.936 requires retention of certain authorization, cancellation, reopening and correction records for audit purposes for at least 15 years from cancellation. Those are not the same clock and do not establish public availability for the whole audit period. [Planalto+1](https://www.planalto.gov.br/ccivil_03/_ato2011-2014/2011/lei/l12414.htm)\n9. **Financial-origin data are subject to a special manager-registration branch.** Institutions authorized by Banco Central may provide covered credit-operation information only to database managers registered with Banco Central, and financial-origin sharing is limited to registered managers. That registration does not make the manager a financial institution and does not constitute a general licence for SettleADebt or another debt adviser. [Planalto+3](https://www.planalto.gov.br/ccivil_03/_ato2011-2014/2011/lei/l12414.htm)\n\n# G1. Current primary law, actors and data\n\n## G1.1 Operative law and amendment timeline\n\n| Stage | Rule and legal effect | Current disposition |\n| --- | --- | --- |\n| **Original 2011 law** | Lei 12.414 originally required informed prior authorization before opening a positive record. | Historical only for this point; that wording was replaced. |\n| **Original 2012 regulation** | Decreto 7.829 implemented the consent-based model. | Expressly revoked by Decreto 9.936/2019. [Planalto+1](https://www.planalto.gov.br/ccivil_03/_ato2011-2014/2012/decreto/d7829.htm) |\n| **LC 166/2019** | Rewrote the definitions, opening, notice, cancellation, sharing, scoring and financial-data provisions. Most amendments became effective 91 days after publication. | Current opt-out foundation; substantive date July 9, 2019. [Planalto+1](https://www.planalto.gov.br/ccivil_03/leis/lcp/lcp166.htm) |\n| **Decreto 9.936/2019** | Regulates manager requirements, permissible fields, authorization, access, cancellation, score suspension, correction and source duties. | Operative regulation; effective on publication July 25, 2019. The August 1 rectification is not a second commencement date. [Planalto](https://www.planalto.gov.br/ccivil_03/_ato2019-2022/2019/decreto/d9936.htm) |\n| **Resolução CMN 4.737/2019** | Regulates financial-institution reporting and Banco Central registration/cancellation of managers receiving financial-origin data. | Current consolidated official PDF read, including amendments effective April 1, 2022. [Banco Central do Brasil Normativos+3](https://normativos.bcb.gov.br/Lists/Normativos/Attachments/50808/Res_4737_v2_P.pdf) |\n| **Resolução CMN 4.990/2022** | Amended registration, control and governance provisions in Resolução 4.737. | Amendment effects visible in the official consolidated 4.737 PDF. The standalone dynamic body was not substantively readable. |\n| **Resolução BCB 14/2020** | Identified by official BCB material as the procedural rule for manager registration. | Full current enacted procedure was not substantively readable through the public dynamic page; detailed forms and filing mechanics remain held. [Banco Central do Brasil+1](https://www.bcb.gov.br/estabilidadefinanceira/exibenormativo?numero=14&tipo=Resolu%C3%A7%C3%A3o+BCB) |\n\nThe current compiled Lei 12.414 and Decreto 9.936 were read through the actual operative bodies. No later amendment was inferred merely from a search absence.\n\n## G1.2 Actor matrix\n\n| Actor | Exact statutory role | What that status does not establish |\n| --- | --- | --- |\n| **Banco de dados** | Structured data concerning natural or legal persons used to support credit, deferred sales or other transactions involving financial risk. | It is not automatically an ordinary negative register, public court database or SCR. |\n| **Gestor** | Legal person meeting statutory and regulatory operating requirements and administering collection, storage, analysis and third-party access. | “Gestor” status is not an adviser, lender, lawyer or payment licence. |\n| **Cadastrado** | Natural or legal person whose information has been included. | It does not necessarily mean “consumer” under every CDC rule. |\n| **Fonte** | Person or entity granting credit, conducting deferred sales, self-financing or another transaction producing financial risk; expressly includes BCB-authorized institutions and continuous-service providers. | Source status does not grant unrestricted data-sharing rights. |\n| **Consulente** | Natural or legal person accessing data for a purpose allowed by Lei 12.414. | It is not unrestricted public access; the user must maintain or intend a commercial or credit relationship. |\n| **Consumer** | CDC classification may apply where the final-recipient predicates are satisfied. | Lei 12.414 separately covers legal persons even where CDC consumer status remains unresolved. |\n| **Representative** | May exercise rights where legally authorized. | Lei 12.414 does not prescribe one universal mandate or authentication format. |\n| **Banco Central** | Registers managers eligible to receive covered financial-institution data and supervises that registration branch. | It does not approve every score, every source datum, every consultant access or a debt-adviser business model. |\n| **SNDC / consumer bodies** | May apply consumer sanctions and specified corrective measures where the registered person is a consumer. | Federal statutory authority does not verify each state, DF or municipal implementation. |\n\nThese distinctions come from Lei 12.414 arts. 1–2, 12 and 17 and the current regulation. [Planalto+2](https://www.planalto.gov.br/ccivil_03/_ato2011-2014/2011/lei/l12414.htm)\n\n## G1.3 Natural persons, legal persons and territorial limits\n\nLei 12.414 expressly covers both natural and legal persons. Its rights to access, cancellation, reopening, correction and automated-decision review are therefore not limited to natural persons merely because the LGPD defines a data *titular* as a natural person. The LGPD overlay directly concerns personal data connected to natural persons; company-level rights in this regime arise primarily from Lei 12.414. [Planalto+2](https://www.planalto.gov.br/ccivil_03/_ato2011-2014/2011/lei/l12414.htm)\n\nFor a natural person, the LGPD can add purpose, necessity, transparency, quality, access, correction and automated-review requirements. Its art. 7(X) permits processing for credit protection, “including” under the specific credit-protection legislation. That basis does **not** nullify the specific Lei 12.414 requirement for authorization before disclosing full credit history to a consultant. [Planalto+1](https://www.planalto.gov.br/ccivil_03/_ato2015-2018/2018/lei/l13709compilado.htm)\n\nFor a legal person:\n\n- Lei 12.414 applies directly;\n- the full-history authorization may last up to 12 months rather than the three-month natural-person limit;\n- CDC remedies depend on separate consumer classification;\n- LGPD natural-person rights do not automatically attach to company data merely because the data concern a company; and\n- personal data about directors, owners, guarantors or employees may still engage LGPD separately.\n\nFor remote or foreign actors, LGPD art. 3 can create a Brazilian nexus for natural-person data processing, but the complete cross-border, jurisdiction, recognition and international-transfer analysis is deferred. [Planalto](https://www.planalto.gov.br/ccivil_03/_ato2015-2018/2018/lei/l13709compilado.htm)\n\n## G1.4 What constitutes positive payment history?\n\nLei 12.414 defines *histórico de crédito* as financial and payment information concerning paid or current credit operations and payment obligations. Decreto 9.936 specifies:\n\n- date credit was granted or the obligation assumed;\n- original credit or obligation amount;\n- amounts due and their maturity and payment dates;\n- amounts paid, including partial payments;\n- the nature of the relationship—credit, commercial, continuous service or another defined category; and\n- identifying and contact data necessary to operate the system. [Planalto+2](https://www.planalto.gov.br/ccivil_03/_ato2011-2014/2011/lei/l12414.htm)\n\nFor financial institutions, Resolução CMN 4.737 covers credit, leasing, consortium self-financing and other credit-like operations and requires reporting fields including origination date, original amount, instalment due dates and full or partial amounts paid. [Banco Central do Brasil Normativos+1](https://normativos.bcb.gov.br/Lists/Normativos/Attachments/50808/Res_4737_v2_P.pdf)\n\nContinuous-service providers—including water, sewer, electricity, gas and telecommunications—are expressly included as possible sources under the amended statutory definition. The former separate opt-in utility provision was repealed, so a utility source is now analyzed under the general current framework, not the old art. 11 consent model. [Planalto+1](https://www.planalto.gov.br/ccivil_03/_ato2011-2014/2011/lei/l12414.htm)\n\n## G1.5 Prohibited and out-of-scope data\n\nThe positive register may retain only objective, clear, true, understandable data necessary to assess economic status and credit risk. It may not record excessive information unrelated to credit-risk analysis or specified sensitive data concerning social or ethnic origin, health, genetic information, sexual orientation or political, religious and philosophical convictions. Score criteria are subject to overlapping prohibitions, including sex and information about unrelated third parties. [Planalto+1](https://www.planalto.gov.br/ccivil_03/_ato2011-2014/2011/lei/l12414.htm)\n\nThe reviewed provisions do **not** authorize indiscriminate disclosure of:\n\n- deposit-account balances;\n- itemized purchases;\n- income and assets generally;\n- transaction narratives unrelated to payment performance;\n- medical or genetic information;\n- political, religious or philosophical views;\n- a family member’s information merely because they share an address; or\n- public tax, court or governmental-debt records outside the specific positive-history system.\n\nLC 105 art. 1 §3(VII) supplies a bank-secrecy exception for the defined financial and payment information sent to managers under the specific positive-history law. It is not a general exception for unrelated banking information. [Planalto](https://www.planalto.gov.br/ccivil_03/leis/lcp/lcp105.htm)\n\nPublic-law databases maintained by domestic public-law entities are expressly governed by specific legislation rather than automatically by Lei 12.414’s ordinary private positive-register model. [Planalto](https://www.planalto.gov.br/ccivil_03/_ato2011-2014/2011/lei/l12414.htm)\n\n## G1.6 Manager requirements versus a general provider licence\n\nDecreto 9.936 sets manager-level economic, technical, governance, security, consumer-service and audit requirements. It includes a R$100 million minimum net-worth requirement for the manager, subject to the regulation’s detailed composition rules; through December 31, 2026, the permitted controller/associate contribution percentage described by §6 is 10%. Those figures concern the database manager’s regulatory structure—not a consumer charge, adviser bond, SettleADebt authorization or required capital for an ordinary non-database consultancy. [Planalto+1](https://www.planalto.gov.br/ccivil_03/_ato2019-2022/2019/decreto/d9936.htm)\n\nA Banco Central registration under Lei 12.414 art. 12 and Resolução 4.737 is required for a manager to receive covered information from BCB-authorized institutions. Lei 12.414 expressly states that such managers are not thereby subjected to the legal regime governing financial institutions. [Planalto+1](https://www.planalto.gov.br/ccivil_03/_ato2011-2014/2011/lei/l12414.htm)\n\n# G2. Opening, notice, consultation, consent and cancellation\n\n## G2.1 Opt-in to opt-out transition\n\nThe original 2011 rule required prior informed authorization to open the record. LC 166 replaced it with express authority for the manager to:\n\n- open a positive record;\n- make positive-payment annotations;\n- share registered and payment information with other managers;\n- provide a score; and\n- provide full credit history only after prior specific authorization. [Planalto+1](https://www.planalto.gov.br/ccivil_03/_ato2011-2014/2011/lei/l12414.htm)\n\nLC 166 was officially published April 9, 2019. Its art. 7 made most of the opt-out changes effective after 91 days:\n\nApril 9, 2019 + 91 calendar days = July 9, 2019.\n\nThat is the operative transition date expressly used by Decreto 9.936. [Planalto+1](https://www.planalto.gov.br/ccivil_03/leis/lcp/lcp166.htm)\n\n## G2.2 Opening notice\n\nAfter opening, the communication must:\n\n1. occur within 30 days;\n2. be free;\n3. be made by the manager directly or through a source; and\n4. clearly explain the available cancellation channels. [Planalto](https://www.planalto.gov.br/ccivil_03/_ato2011-2014/2011/lei/l12414.htm)\n\nThe communication uses personal data supplied by the person to a source, including residential, commercial or electronic addresses. The read provisions do not prescribe one exclusive communication technology or a universal proof package. Actual delivery, content, address provenance and operator procedure remain factual. [Planalto](https://www.planalto.gov.br/ccivil_03/_ato2011-2014/2011/lei/l12414.htm)\n\n### Notice exception\n\nNotice is dispensed with where the person already has a positive record open at another database. That exception does not erase cancellation rights or authorize consultation before the 60-day period; it only concerns the statutory opening communication. [Planalto](https://www.planalto.gov.br/ccivil_03/_ato2011-2014/2011/lei/l12414.htm)\n\n### Previously expressed opt-out\n\nA manager must automatically cancel a record for a natural or legal person who had previously expressed—by telephone, physical or electronic means—the wish not to have a record opened. [Planalto](https://www.planalto.gov.br/ccivil_03/_ato2011-2014/2011/lei/l12414.htm)\n\n## G2.3 Sixty-day consultation barrier\n\nInformation about the registered person may be furnished to consultants only **60 days after opening**, subject to the relevant purpose and authorization conditions. The barrier applies before consultant access; it does not prevent the registered person from exercising their own access or cancellation rights. [Planalto](https://www.planalto.gov.br/ccivil_03/_ato2011-2014/2011/lei/l12414.htm)\n\nThe statute does not create a second consent requirement for a score merely because the 60 days elapse. It instead distinguishes score access from full-history access:\n\n- **score:** may be furnished under art. 4(IV)(a), the 60-day rule, permitted-purpose rule and any score-access suspension;\n- **full history:** requires all those conditions plus prior specific authorization under art. 4(IV)(b). [Planalto+1](https://www.planalto.gov.br/ccivil_03/_ato2011-2014/2011/lei/l12414.htm)\n\n## G2.4 Full-history authorization\n\nThe authorization may be physical or electronic, may be delivered directly or through the prospective consultant and extends to all managers. It may authorize:\n\n- one access;\n- fixed access for up to three months when granted by a natural person;\n- fixed access for up to 12 months when granted by a legal person; or\n- indefinite access by a BCB-authorized institution, but only while its contractual relationship with the registered person continues. [Planalto+1](https://www.planalto.gov.br/ccivil_03/_ato2019-2022/2019/decreto/d9936.htm)\n\nIt may be revoked unilaterally at any time. The manager must maintain adequate procedures proving the authorization’s authenticity and validity. A generic privacy clause, broad marketing consent or mere credit inquiry request is not automatically equivalent to the specific full-history authorization. [Planalto+1](https://www.planalto.gov.br/ccivil_03/_ato2011-2014/2011/lei/l12414.htm)\n\n## G2.5 Permitted consultation purpose\n\nA consultant may access information only where it maintains or intends to maintain a commercial or credit relationship with the registered person. Permitted uses are limited to credit-risk analysis or supporting credit, deferred sale or another transaction presenting financial risk to that consultant. [Planalto+1](https://www.planalto.gov.br/ccivil_03/_ato2011-2014/2011/lei/l12414.htm)\n\nThe regime does not establish:\n\n- general public access;\n- access for curiosity, employment screening or unrelated marketing;\n- authority for a debt adviser to pull another person’s history merely because the person contacted the adviser;\n- automatic entitlement to full-history data from a signed general service agreement; or\n- authority to disclose individual source identities to the consultant.\n\n## G2.6 Sharing among managers\n\nThe 2019 amendments permit sharing of registration and positive-payment information among managers. A receiving manager assumes statutory duties concerning challenges, cancellations and correction, while the originating manager must keep shared information updated without charge. [Planalto+1](https://www.planalto.gov.br/ccivil_03/_ato2011-2014/2011/lei/l12414.htm)\n\nFor information originating with BCB-authorized institutions, sharing is allowed only among BCB-registered managers. [Planalto](https://www.planalto.gov.br/ccivil_03/_ato2011-2014/2011/lei/l12414.htm)\n\nManager-to-manager sharing does not eliminate the specific authorization required before a consultant receives the full history.\n\n## G2.7 Cancellation and reopening\n\nCancellation and reopening:\n\n- are free;\n- may be requested from any manager;\n- may be requested by telephone, physical channel or electronic channel;\n- require the receiving manager to close or reopen within two business days;\n- require that manager to relay the request to the others within the same period; and\n- require the other managers to comply within their own two-business-day period after receipt. [Planalto](https://www.planalto.gov.br/ccivil_03/_ato2011-2014/2011/lei/l12414.htm)\n\nDecreto 9.936 requires an express request and permits electronic requests. It also requires telephone and electronic tracking systems. [Planalto](https://www.planalto.gov.br/ccivil_03/_ato2019-2022/2019/decreto/d9936.htm)\n\n### Effects of cancellation\n\nCancellation prevents managers from using the person’s history for the purposes of Lei 12.414, including use in composing third-party scores. New positive annotations may not be added after two business days from the request. Partial deletion is not available merely because the person wants some accurate items omitted; partial deletion remains possible where information was improperly recorded. [Planalto+1](https://www.planalto.gov.br/ccivil_03/_ato2011-2014/2011/lei/l12414.htm)\n\nCancellation does **not**, by itself:\n\n- cancel the underlying obligation;\n- amend a contract;\n- delete an ordinary negative-register entry;\n- delete a protest;\n- remove a judgment;\n- require destruction of audit records;\n- eliminate all data kept for another lawful regime; or\n- guarantee an improved score.\n\nThe regulation expressly requires certain audit records to remain for at least 15 years from cancellation. [Planalto](https://www.planalto.gov.br/ccivil_03/_ato2019-2022/2019/decreto/d9936.htm)\n\n### Reopening\n\nReopening follows the same free request and two-business-day manager workflow. The read law and decree do not expressly state whether every reopening must produce a new 30-day opening notice. That precise re-notice question remains unresolved rather than being inferred.\n\n## G2.8 Score-access suspension\n\nInstead of cancelling the whole positive record, a person may request indefinite suspension of consultant access to their score. The receiving manager has two business days to suspend access and forward the request; other managers must act within two business days after receiving it. The person retains access to their own score. [Planalto](https://www.planalto.gov.br/ccivil_03/_ato2019-2022/2019/decreto/d9936.htm)\n\nScore suspension is therefore not equivalent to:\n\n- cancellation of the positive register;\n- revocation of one consultant’s full-history authorization;\n- correction of inaccurate information; or\n- a score recalculation.\n\n# G3. Access, correction, transparency, scoring and use\n\n## G3.1 Free access\n\nA registered person may access, free of charge and without giving a reason:\n\n- all information about them in the database;\n- their credit history;\n- their score;\n- the sources of the information, with contact details;\n- the managers with which data were shared;\n- all consultants that accessed their information during the preceding six months;\n- a summary of their rights and available government bodies; and\n- confirmation of cancellation. [Planalto+1](https://www.planalto.gov.br/ccivil_03/_ato2011-2014/2011/lei/l12414.htm)\n\nDecreto 9.936 requires secure, free website access and telephone access. Each consultant response must show the last update date. The manager may disclose source identities to the registered person but may not reveal individual sources to consultants. [Planalto+1](https://www.planalto.gov.br/ccivil_03/_ato2019-2022/2019/decreto/d9936.htm)\n\n## G3.2 Access clocks\n\nThe law contains several different response concepts:\n\n- Lei 12.414 art. 6(I) defines the requested dataset as the information present **at the moment of the request**.\n- Art. 5 §3 gives up to 10 days for the information in art. 5(II) and (IV)—the person’s information/history/score and the principal risk-analysis elements and criteria.\n- Art. 6 §2 gives 10 days for the source, shared-manager, six-month consultant-access and rights-summary items.\n- Decreto 9.936 requires free website and telephone systems but does not convert every statutory 10-day item into an instantaneous duty. [Planalto+2](https://www.planalto.gov.br/ccivil_03/_ato2011-2014/2011/lei/l12414.htm)\n\nThe data snapshot should correspond to the request date even where the response is furnished within an applicable later period.\n\n## G3.3 Correction and refusal\n\nA person who challenges erroneous information has the right to correction or cancellation in all databases that shared it within 10 days. A receiving manager must accept and process the challenge; sharing does not force the person to locate every downstream manager individually. [Planalto+1](https://www.planalto.gov.br/ccivil_03/_ato2011-2014/2011/lei/l12414.htm)\n\nThe source has distinct duties:\n\n- verify and confirm or correct challenged information within two business days when asked by a manager or directly by the person;\n- update or correct previously supplied information within 10 days;\n- maintain records supporting what it supplied; and\n- supply information to managers on nondiscriminatory terms. [Planalto](https://www.planalto.gov.br/ccivil_03/_ato2011-2014/2011/lei/l12414.htm)\n\nThese clocks operate together rather than replacing one another. For example, a manager’s 10-day correction result cannot be extended automatically merely because the source also has its own two-business-day verification task.\n\nPotentially correctable fields include:\n\n- identity or CPF/CNPJ;\n- source;\n- nature of the commercial or credit relationship;\n- origination date;\n- original obligation amount;\n- instalment amount;\n- due date;\n- payment date;\n- full versus partial payment;\n- amount paid;\n- status of an obligation as current or paid; and\n- whether a consultant accessed a history or score.\n\nAn accurate but unfavorable datum is not an “error” merely because it contributed to a lower score or adverse decision.\n\n## G3.4 Score criteria and transparency\n\nThe person may learn the principal elements and criteria used in risk analysis, subject to commercial secrecy. The manager must publish a clear and accessible policy describing collection and use of personal data for credit-risk analysis. [Planalto+1](https://www.planalto.gov.br/ccivil_03/_ato2011-2014/2011/lei/l12414.htm)\n\nThe score may not use:\n\n- information unrelated to credit risk;\n- specified sensitive categories;\n- information about people without a first-degree family or economic-dependency relationship;\n- information penalizing the person for exercising their own access right; or\n- discriminatory or abusive processing prohibited by the LGPD. [Planalto+1](https://www.planalto.gov.br/ccivil_03/_ato2011-2014/2011/lei/l12414.htm)\n\nThese transparency rights do not necessarily require disclosure of:\n\n- source code;\n- model weights;\n- proprietary formulae;\n- trade-secret thresholds;\n- another person’s data; or\n- a guaranteed method to increase the score.\n\n## G3.5 Automated decisions\n\nLei 12.414 allows the registered person to ask the *consulente* to review a decision made exclusively by automated means. Decreto 9.936 requires the consultant to provide the review result within seven business days from the request. [Planalto+1](https://www.planalto.gov.br/ccivil_03/_ato2011-2014/2011/lei/l12414.htm)\n\nFor natural-person data, LGPD art. 20 supplies a related automated-decision review and criteria-explanation right, also subject to commercial and industrial secrecy. Lei 12.414 remains important because it also expressly covers legal persons. [Planalto](https://www.planalto.gov.br/ccivil_03/_ato2015-2018/2018/lei/l13709compilado.htm)\n\nNeither statute guarantees:\n\n- human approval;\n- reversal of the adverse decision;\n- credit approval;\n- a specific interest rate;\n- a score increase;\n- disclosure of every proprietary model detail; or\n- damages merely because the result was adverse.\n\n## G3.6 Duration and retention\n\nTwo 15-year periods must be kept distinct:\n\n| Clock | Trigger and function | Limit |\n| --- | --- | --- |\n| **Positive-information duration** | Lei 12.414 art. 14 prohibits positive payment information remaining in databases for more than 15 years. | Exact record-level start and historical treatment need the particular datum and manager record. |\n| **Audit retention** | Decreto 9.936 arts. 10(VIII) and 12 require records concerning authorizations, cancellations, reopenings, exclusions, revocations and corrections for at least 15 years, with art. 12 counting from cancellation. | Audit retention is not continued consultant access or continued scoring use after cancellation. |\n\n## G3.7 Limited LGPD crossover\n\nFor natural-person data only, this pass confirms the following limited overlaps:\n\n- national-territorial nexus under LGPD art. 3;\n- purpose, necessity, free access, data quality, transparency, security and non-discrimination;\n- credit protection as a legal basis under art. 7(X);\n- access and correction rights;\n- a legally constituted representative’s ability to submit a request;\n- simplified immediate access or a complete declaration within 15 days under art. 19, subject to sector-specific regulation; and\n- review of solely automated decisions under art. 20. [Planalto+3](https://www.planalto.gov.br/ccivil_03/_ato2015-2018/2018/lei/l13709compilado.htm)\n\nThis is not a complete LGPD module. Controller/operator allocation, international transfers, retention outside the positive-register law, biometrics, children’s data, security incidents, sanctions, civil actions and damages are separately deferred.\n\n## G3.8 Generic registration and regulatory verification\n\nA generic verification would ask:\n\n1. Is the entity actually a *gestor* or merely a source, consultant or service provider?\n2. Does it receive data originating with BCB-authorized institutions?\n3. If so, does it claim the Banco Central manager-registration category required by Lei 12.414 art. 12 and Resolução 4.737?\n4. Which exact activities does the registration cover?\n5. What is the effective date and status?\n6. Which manager, source and consultant act in the specific data flow?\n7. What authorization exists for full-history consultation?\n8. What proof exists for notice, cancellation, access and correction?\n\nNo actual manager, source, consultant, institution, record or registration was searched. The publicly indexed Resolução BCB 14 procedure could not be substantively read, so detailed filing requirements and current forms remain unresolved.\n\n# G4. Ten fictional workflows\n\nAll persons, companies, data, dates and outcomes below are invented. They demonstrate conditional classification and clocks only.\n\n## H01 — Automatic opening without prior opt-in\n\n**Facts:** A manager opens a positive record for a natural person on Monday, October 5, 2026. The person never signed a prior opt-in.\n\n**Actors/data:** Manager, natural-person *cadastrado*, positive payment information.\n\n**Primary claims:** C_BR-P07-C019–C026.\n\n**Conditional result:** Lack of prior opt-in does not alone invalidate opening under the post-July 9, 2019 regime. The manager must satisfy the post-opening notice rule and may not furnish information to consultants during the first 60 days.\n\n**Notice calculation:**\n\n- Opening day: October 5, 2026.\n- Exclude the opening day under the ordinary Civil Code art. 132 convention.\n- Day 1: October 6.\n- Day 30: Wednesday, November 4, 2026.\n- Formula: October 5, 2026 + 30 calendar days = November 4, 2026.\n\nThe calculation assumes no different specific convention and no factual dispute over when opening occurred. Civil Code art. 132 moves a holiday endpoint to the next business day; no local holiday is assumed here. [Planalto](https://www.planalto.gov.br/ccivil_03/leis/2002/l10406compilada.htm)\n\n**Sixty-day branch:**\n\n- The 60th calendar day after October 5 is Friday, December 4, 2026.\n- The statute permits furnishing information only **after** 60 days.\n- If the precise opening timestamp is unknown, the first unambiguously complete calendar day is December 5.\n\n**Adverse branch:** Notice is excused if the person already had a record open at another manager, but the 60-day consultation condition and cancellation rights remain.\n\n**Missing facts:** Exact opening timestamp, prior record status, notice content, channel and proof.\n\n**Exact next question:** Was this the person’s first open positive record, and on what exact date and time did the manager open it?\n\n## H02 — Missing or delayed opening notice\n\n**Facts:** A legal person’s record is opened, but no notice is sent within 30 days. The manager says notice was unnecessary because the company “probably already had another record.”\n\n**Primary claims:** C022–C025.\n\n**Conditional result:** The statutory exception depends on an existing open record at another database, not speculation. If that predicate is absent, delayed or missing notice is a compliance defect.\n\n**Required act:** Identify the existing other record or establish timely free notice with clear cancellation channels.\n\n**Clock:** Thirty calendar days after opening; no separate grace period was identified.\n\n**Adverse branch:** The legal person may already have another open record, making the statutory communication dispensable.\n\n**Missing facts:** Other-manager status, opening date, notice record, address/contact source.\n\n**Exact next question:** What contemporaneous evidence showed that another positive record was already open when the new manager relied on the exception?\n\n## H03 — Consumer requests cancellation\n\n**Facts:** A natural person submits an express electronic cancellation request to one manager on Monday, October 19, 2026. Assume no holidays.\n\n**Primary claims:** C037–C045.\n\n**Conditional calculation for the receiving manager:**\n\n- Request date: Monday, October 19.\n- Tuesday, October 20 = business day 1.\n- Wednesday, October 21 = business day 2.\n\nThe receiving manager must close the record and transmit the request by Wednesday, October 21, under the stipulated no-holiday assumption.\n\nEach other manager receives a separate two-business-day period beginning from its receipt of the transmitted request.\n\n**Consequences:** No new positive annotations may be made after two business days from the request. Statutory use of the history must stop, while audit records may remain.\n\n**Adverse branch:** If Monday or a subsequent day is a relevant holiday, the endpoint changes. A request sent after an operator cutoff may create a factual receipt-date issue not resolved here.\n\n**Missing facts:** Receipt timestamp, tracking number, holiday calendar, transmission and downstream acknowledgments.\n\n**Exact next question:** When did each manager actually receive the express request?\n\n## H04 — Later reopening after cancellation\n\n**Facts:** Six months after cancellation, the same person requests reopening through another manager.\n\n**Primary claims:** C037–C046.\n\n**Conditional result:** Reopening is free, may be requested through any manager and follows the two-business-day workflow.\n\n**Adverse branch:** The read bodies do not expressly resolve whether reopening triggers a new 30-day opening notice. That point remains held.\n\n**Missing facts:** Prior cancellation status, reopening request authentication, receipt date and shared-manager list.\n\n**Exact next question:** Does the operative manager procedure treat reopening as requiring a new art. 4 §4 communication, and what current official instrument supplies that rule?\n\n## H05 — Score-only consultation versus full-history access\n\n**Facts:** A retailer plans an instalment sale and asks for a consumer’s score. It then asks for the complete payment-by-payment history but has no specific authorization.\n\n**Primary claims:** C026–C035.\n\n**Conditional result:**\n\n- Score-only access may be possible after the 60-day period, for the permitted commercial/credit purpose and absent score-access suspension.\n- Full-history access requires prior specific authorization.\n- A general retail privacy clause is not automatically the required authorization.\n\n**Adverse branch:** Even score access is improper if the retailer has no actual or contemplated commercial/credit relationship.\n\n**Missing facts:** Opening date, purpose, consultant identity, score-suspension status and authorization record.\n\n**Exact next question:** Is the request limited to a score, or will it disclose the underlying payment history?\n\n## H06 — Inaccurate partial-payment datum\n\n**Facts:** A source reports that no payment was made on an instalment. The registered person produces proof of a partial payment and challenges the field on Friday, October 16, 2026.\n\n**Primary claims:** C052–C055.\n\n**Conditional source-verification calculation, assuming no holidays:**\n\n- Monday, October 19 = business day 1.\n- Tuesday, October 20 = business day 2.\n\nThe source must verify and confirm or correct the challenged information within two business days. The broader result across shared databases remains subject to the 10-day correction rule.\n\n**Required act:** Verify the payment, correct amount/date/status where appropriate and propagate the correction.\n\n**Adverse branch:** The payment may have been allocated to another obligation or reversed; a receipt alone may not resolve allocation.\n\n**Missing facts:** Source request timestamp, payment clearing, allocation and shared-manager list.\n\n**Exact next question:** Which obligation and instalment did the partial payment legally satisfy?\n\n## H07 — Accurate datum but adverse credit decision\n\n**Facts:** Payment history is accurate, but a lender rejects an application through an automated process. The applicant believes the score should be higher.\n\n**Primary claims:** C056–C061.\n\n**Conditional result:** Accuracy correction is not available merely because the outcome was adverse. The person may request the principal elements and criteria and request review of an exclusively automated decision. The consultant has seven business days to provide the review result.\n\n**Adverse branch:** A mixed human-and-automated decision may require different analysis. Trade-secret limits remain.\n\n**Missing facts:** Whether the decision was exclusively automated, review request date, criteria supplied and decision purpose.\n\n**Exact next question:** Was any human decision-maker substantively involved before the rejection?\n\n## H08 — Legal-person business record\n\n**Facts:** A corporation’s commercial payment obligations are included. It asks for its history and authorizes a prospective supplier to access it for nine months.\n\n**Primary claims:** C002, C030–C035, C049–C051.\n\n**Conditional result:** Lei 12.414 covers legal persons. A fixed nine-month full-history authorization is within the decree’s 12-month legal-person maximum, assuming the authorization is specific and valid.\n\n**Adverse branch:** LGPD personal-data rights do not automatically attach to purely corporate information, although personal data about directors or guarantors require separate analysis.\n\n**Missing facts:** Authorization wording, consultant relationship, corporate authority and personal-data fields.\n\n**Exact next question:** Who had authority to grant the company’s full-history authorization, and did it identify the consultant and purpose specifically?\n\n## H09 — Representative requests access\n\n**Facts:** An adult child asks a manager for a parent’s full positive history and score but supplies no authorization.\n\n**Primary claims:** C049–C051 and C062–C065.\n\n**Conditional result:** The parent has free access rights, and a legally constituted representative can exercise natural-person LGPD rights. The requester must establish valid authority and identity; family relationship alone does not establish access.\n\n**Adverse branch:** An unreasonable verification process may obstruct statutory rights, but that requires the actual procedure.\n\n**Missing facts:** Mandate, identity, capacity and requested dataset.\n\n**Exact next question:** What legally valid authority allows the representative to receive the parent’s history and score?\n\n## H10 — Utility and financial-source edge\n\n**Facts:** An electricity provider reports partial monthly payments; a bank reports a loan history. Both send data to the same manager.\n\n**Primary claims:** C007, C014–C018 and C066–C070.\n\n**Conditional result:**\n\n- The utility is an expressly recognized source under the general law.\n- The bank’s covered credit-operation data may go only to a BCB-registered manager.\n- The data should be limited to the regulated payment-history fields.\n- The bank-secrecy exception does not authorize disclosure of unrelated account balances or transaction details.\n\n**Adverse branch:** The manager may satisfy the general Decreto 9.936 operating regime yet lack the BCB registration needed for financial-origin data.\n\n**Missing facts:** Manager category, registration status, reporting fields, source contracts and data layout.\n\n**Exact next question:** Does the manager receive financial-institution-origin information, and what current registration category authorizes that receipt?\n\n# G5. P01 old-to-new disposition\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-07 narrow addition\n\n| P01 D05 branch | PASS-07 result | Remaining gate |\n| --- | --- | --- |\n| Positive-history primary law | Lei 12.414, LC 166 and Decreto 9.936 operative framework read. | Later amendments/current consolidation must be rechecked at publication. |\n| Original opt-in versus current opening | Opt-out opening effective July 9, 2019 established. | Actual opening, manager and notice facts absent. |\n| Data and actors | *Gestor, fonte, consulente, cadastrado* and permitted payment-history fields identified. | Actual data flow absent. |\n| Notice | Thirty-day post-opening communication and existing-record exception identified. | Actual channel, proof and record status absent. |\n| Consultation | Sixty-day barrier, permitted purpose and relationship identified. | Actual consultant and purpose absent. |\n| Score/full history | Score and full-history authorization separated. | Actual authorization and access logs absent. |\n| Cancellation/reopening | Free channels and two-business-day manager workflow identified. | Actual request/receipt/propagation absent; reopening re-notice unresolved. |\n| Access/correction | Free access, 10-day correction, two-business-day source verification and 10-day source update identified. | Actual record/error/source absent. |\n| Scoring/automated decisions | Criteria rights and seven-business-day automated review result identified. | Proprietary model, actual decision and full remedy unexamined. |\n| BCB manager registration | Financial-origin manager registration gateway identified. | Full current Resolução BCB 14 procedure not read; no registrant queried. |\n| LGPD | Limited natural-person crossover identified. | Full LGPD module deferred. |\n| P06 negative-register work | Not adopted or rerun. | Entire P06 remains awaiting review. |\n\n# PASS-07 source register\n\n**Access date for every row:** October 26, 2026 PDT / October 27, 2026 UTC. Source-specific clock times are unknown.\n\nFRESH-READ—OPERATIVE means the actual current enacted/compiled body was read.\nFRESH-READ—AMENDMENT means an enacted amendment body was read.\nFRESH-READ—LIMITED means only the stated crossover provisions were read.\nHISTORICAL—REVOKED means nonoperative history.\nINDEX/FAILED BODY means the official title or index was identified, but the full dynamic body was not substantively readable.\n\n| Source ID | Issuer, title and complete literal URL | Pinpoints, publication/commencement, pages and limits |\n| --- | --- | --- |\n| **C_BR-P07-S001** | Presidência da República, **Lei nº 12.414, de 9 de junho de 2011**, compiled. https://www.planalto.gov.br/ccivil_03/_ato2011-2014/2011/lei/l12414.htm | **FRESH-READ—OPERATIVE.** Arts. 1–9, 12–18; especially arts. 2–8, 12, 14–17. Original law effective on publication under art. 18; current text contains LC 166 amendments and shows historical struck text. HTML; printed page and PDF index N/A. Full remedies/case citator not completed. [Planalto+3](https://www.planalto.gov.br/ccivil_03/_ato2011-2014/2011/lei/l12414.htm) |\n| **S002** | Presidência da República, **Lei Complementar nº 166, de 8 de abril de 2019**. https://www.planalto.gov.br/ccivil_03/leis/lcp/lcp166.htm | **FRESH-READ—AMENDMENT.** Arts. 1–7, especially art. 2 amendments and art. 7 commencement. DOU April 9, 2019. Selected provisions effective on publication; other substantive amendments after 91 days, July 9, 2019. HTML; printed page/PDF index N/A. [Planalto+2](https://www.planalto.gov.br/ccivil_03/leis/lcp/lcp166.htm) |\n| **S003** | Presidência da República, **Decreto nº 9.936, de 24 de julho de 2019**. https://www.planalto.gov.br/ccivil_03/_ato2019-2022/2019/decreto/d9936.htm | **FRESH-READ—OPERATIVE.** Arts. 1–23 and annex; materially arts. 2–17, 19, 22–23. Published DOU July 25, 2019; art. 23 effective on publication; rectified August 1, 2019. HTML; printed page/PDF index N/A. Security-incident branch not substantively completed. [Planalto+5](https://www.planalto.gov.br/ccivil_03/_ato2019-2022/2019/decreto/d9936.htm) |\n| **S004** | Conselho Monetário Nacional / Banco Central do Brasil, **Resolução nº 4.737, de 29 de julho de 2019**, current consolidated PDF. https://normativos.bcb.gov.br/Lists/Normativos/Attachments/50808/Res_4737_v2_P.pdf | **FRESH-READ—OPERATIVE PDF.** Arts. 1–3: printed p.1, zero-based index 0; arts. 3–6: printed p.2, index 1; arts. 12–14: printed p.7, index 6; arts. 14–19: printed p.8, index 7. Original DOU July 31, 2019, Section 1, p.58; art. 19 effective on publication. Consolidation shows Resolução CMN 4.990 changes effective April 1, 2022. [Banco Central do Brasil Normativos+3](https://normativos.bcb.gov.br/Lists/Normativos/Attachments/50808/Res_4737_v2_P.pdf) |\n| **S005** | Banco Central do Brasil, **Resolução CMN nº 4.990, de 24 de março de 2022**, dynamic normative page. https://www.bcb.gov.br/estabilidadefinanceira/exibenormativo?numero=4990&tipo=Resolu%C3%A7%C3%A3o+CMN | **INDEX/FAILED BODY.** Public dynamic page returned no substantive text. The actual amendment wording/effective date is visible in S004’s official consolidated 4.737 PDF; an official preparatory vote was discovery only and is not treated as the enacted rule. HTML dynamic page; printed page/PDF index N/A. [Banco Central do Brasil+1](https://www.bcb.gov.br/estabilidadefinanceira/exibenormativo?numero=4990&tipo=Resolu%C3%A7%C3%A3o+CMN) |\n| **S006** | Banco Central do Brasil, **Resolução BCB nº 14, de 9 de setembro de 2020**, dynamic normative page. https://www.bcb.gov.br/estabilidadefinanceira/exibenormativo?numero=14&tipo=Resolu%C3%A7%C3%A3o+BCB | **INDEX/FAILED BODY.** Official dynamic page did not return substantive provisions. Official BCB material identifies it as the procedural rule for manager registration. No detailed current form, filing or procedural claim is adopted. HTML; printed page/PDF index N/A. [Banco Central do Brasil+1](https://www.bcb.gov.br/estabilidadefinanceira/exibenormativo?numero=14&tipo=Resolu%C3%A7%C3%A3o+BCB) |\n| **S007** | Presidência da República, **Lei Complementar nº 105, de 10 de janeiro de 2001**, compiled. https://www.planalto.gov.br/ccivil_03/leis/lcp/lcp105.htm | **FRESH-READ—LIMITED.** Art. 1 §3(VII) and related bank-secrecy context. The positive-history exception was added by LC 166/2019. HTML; printed page/PDF index N/A. No general bank-secrecy module completed. [Planalto](https://www.planalto.gov.br/ccivil_03/leis/lcp/lcp105.htm) |\n| **S008** | Presidência da República, **Lei nº 13.709/2018 — LGPD**, compiled. https://www.planalto.gov.br/ccivil_03/_ato2015-2018/2018/lei/l13709compilado.htm | **FRESH-READ—LIMITED CROSSOVER.** Arts. 1, 3, 5–9 and 17–20. Current compiled text read only for natural-person scope, territorial nexus, principles, credit-protection basis, access/correction and automated decisions. HTML; printed page/PDF index N/A. Full LGPD module deferred. [Planalto+4](https://www.planalto.gov.br/ccivil_03/_ato2015-2018/2018/lei/l13709compilado.htm) |\n| **S009** | 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—LIMITED.** Arts. 2–3 only, for consumer/supplier definitions and the credit-service overlay. HTML; printed page/PDF index N/A. Negative-register art. 43 doctrine was not rerun. [Planalto](https://www.planalto.gov.br/ccivil_03/leis/l8078compilado.htm?utm_source=chatgpt.com) |\n| **S010** | Presidência da República, **Lei nº 10.406/2002 — Código Civil**, compiled. https://www.planalto.gov.br/ccivil_03/leis/2002/l10406compilada.htm | **FRESH-READ—TIMING ONLY.** Art. 132 caput and §§1–4. Used only for fictional deadline arithmetic. HTML; printed page/PDF index N/A. No PASS-05 prescription conclusions adopted. [Planalto](https://www.planalto.gov.br/ccivil_03/leis/2002/l10406compilada.htm) |\n| **S011** | Presidência da República, **Decreto nº 7.829, de 17 de outubro de 2012**. https://www.planalto.gov.br/ccivil_03/_ato2011-2014/2012/decreto/d7829.htm | **HISTORICAL—REVOKED.** Official page identifies revocation by Decreto 9.936/2019. Read only to preserve the original opt-in regulatory history. HTML; printed page/PDF index N/A. [Planalto](https://www.planalto.gov.br/ccivil_03/_ato2011-2014/2012/decreto/d7829.htm) |\n\n**Source count: 11 displayed rows:** seven freshly read operative/amending bodies, two limited crossovers, one historical revoked body, and two dynamic/index failures contained within the 11-row register.\n\n# Atomic claim/evidence register\n\n| Claim ID | Area; atomic proposition, predicate, act/effect and retained limit | Primary source and pinpoint |\n| --- | --- | --- |\n| **C_BR-P07-C001** | A098. PASS-07 concerns positive payment history, not ordinary negative entries, scores as an independent commercial product, SCR, protest, Cadin or court data. | S001 arts. 1–2; scope hold. |\n| **C_BR-P07-C002** | A098. Lei 12.414 covers positive history for natural and legal persons. | S001 arts. 1–2. [Planalto](https://www.planalto.gov.br/ccivil_03/_ato2011-2014/2011/lei/l12414.htm) |\n| **C_BR-P07-C003** | A098. Public-law databases maintained by domestic public-law entities are governed by specific legislation. | S001 art. 1 sole paragraph. [Planalto](https://www.planalto.gov.br/ccivil_03/_ato2011-2014/2011/lei/l12414.htm) |\n| **C_BR-P07-C004** | A097. A *banco de dados* is a dataset used to support credit, deferred sales or other financial-risk transactions. | S001 art. 2(I). [Planalto](https://www.planalto.gov.br/ccivil_03/_ato2011-2014/2011/lei/l12414.htm) |\n| **C_BR-P07-C005** | A097. A *gestor* is a qualifying legal person administering collection, storage, analysis and third-party access. | S001 art. 2(II). [Planalto](https://www.planalto.gov.br/ccivil_03/_ato2011-2014/2011/lei/l12414.htm) |\n| **C_BR-P07-C006** | A098. A *cadastrado* is a natural or legal person whose information has been included. | S001 art. 2(III). [Planalto](https://www.planalto.gov.br/ccivil_03/_ato2011-2014/2011/lei/l12414.htm) |\n| **C_BR-P07-C007** | A097. A *fonte* includes credit/deferred-sale actors, BCB-authorized institutions and listed continuous-service providers. | S001 art. 2(IV). [Planalto](https://www.planalto.gov.br/ccivil_03/_ato2011-2014/2011/lei/l12414.htm) |\n| **C_BR-P07-C008** | A097. A *consulente* is a natural or legal person accessing data for a legally permitted purpose. | S001 art. 2(V). [Planalto](https://www.planalto.gov.br/ccivil_03/_ato2011-2014/2011/lei/l12414.htm) |\n| **C_BR-P07-C009** | A098. *Histórico de crédito* comprises financial/payment data for paid or current credit operations and obligations. | S001 art. 2(VII). [Planalto](https://www.planalto.gov.br/ccivil_03/_ato2011-2014/2011/lei/l12414.htm) |\n| **C_BR-P07-C010** | A098. A score is a derived output and is distinct from disclosure of the complete history. | S001 art. 4(IV)(a)–(b). [Planalto](https://www.planalto.gov.br/ccivil_03/_ato2011-2014/2011/lei/l12414.htm) |\n| **C_BR-P07-C011** | A098. Stored data must be objective, clear, true, understandable and necessary. | S001 art. 3 §§1–2. [Planalto](https://www.planalto.gov.br/ccivil_03/_ato2011-2014/2011/lei/l12414.htm) |\n| **C_BR-P07-C012** | A098. Excessive information unrelated to credit-risk analysis is prohibited. | S001 art. 3 §3(I). [Planalto](https://www.planalto.gov.br/ccivil_03/_ato2011-2014/2011/lei/l12414.htm) |\n| **C_BR-P07-C013** | A098. Specified sensitive information is prohibited. | S001 art. 3 §3(II). [Planalto](https://www.planalto.gov.br/ccivil_03/_ato2011-2014/2011/lei/l12414.htm) |\n| **C_BR-P07-C014** | A097. Water, sewer, electricity, gas, telecommunications and analogous continuous-service providers may be sources. | S001 art. 2(IV). [Planalto](https://www.planalto.gov.br/ccivil_03/_ato2011-2014/2011/lei/l12414.htm) |\n| **C_BR-P07-C015** | A098. Regulated positive-history fields include origination, value, due dates and full or partial payments. | S003 arts. 3–4; S004 arts. 2–3. [Planalto+2](https://www.planalto.gov.br/ccivil_03/_ato2019-2022/2019/decreto/d9936.htm) |\n| **C_BR-P07-C016** | A098. The operating layout may include source and registered-person identification/contact fields. | S003 art. 17. [Planalto](https://www.planalto.gov.br/ccivil_03/_ato2019-2022/2019/decreto/d9936.htm) |\n| **C_BR-P07-C017** | A098. The reviewed regime does not authorize unrelated bank balances, itemized purchases or general asset data. | S001 arts. 2–3; S007 art. 1 §3(VII); bounded textual conclusion. |\n| **C_BR-P07-C018** | A097. Manager-level capital, security and governance requirements are not a SettleADebt adviser licence. | S003 art. 2; S001 art. 12 §7. [Planalto+1](https://www.planalto.gov.br/ccivil_03/_ato2019-2022/2019/decreto/d9936.htm) |\n| **C_BR-P07-C019** | A098. The original 2011 opening model required prior informed consent. | Historical S001 art. 4 text; S011. [Planalto+1](https://www.planalto.gov.br/ccivil_03/_ato2011-2014/2011/lei/l12414.htm) |\n| **C_BR-P07-C020** | A098. LC 166 replaced the opening model, with most substantive changes effective July 9, 2019. | S002 arts. 2, 7. [Planalto+1](https://www.planalto.gov.br/ccivil_03/leis/lcp/lcp166.htm) |\n| **C_BR-P07-C021** | A097. Current law permits a manager to open a positive record without prior opt-in. | S001 art. 4(I). [Planalto](https://www.planalto.gov.br/ccivil_03/_ato2011-2014/2011/lei/l12414.htm) |\n| **C_BR-P07-C022** | A098. Opening communication must occur without cost within 30 days. | S001 art. 4 §4(I). [Planalto](https://www.planalto.gov.br/ccivil_03/_ato2011-2014/2011/lei/l12414.htm) |\n| **C_BR-P07-C023** | A097. Notice is made by the manager directly or through a source and must identify cancellation channels. | S001 art. 4 §4(II)–(III). [Planalto](https://www.planalto.gov.br/ccivil_03/_ato2011-2014/2011/lei/l12414.htm) |\n| **C_BR-P07-C024** | A098. Notice is excused if the person already has a positive record open at another database. | S001 art. 4 §5. [Planalto](https://www.planalto.gov.br/ccivil_03/_ato2011-2014/2011/lei/l12414.htm) |\n| **C_BR-P07-C025** | A098. Notice uses personal contact data supplied by the person to a source. | S001 art. 4 §6. [Planalto](https://www.planalto.gov.br/ccivil_03/_ato2011-2014/2011/lei/l12414.htm) |\n| **C_BR-P07-C026** | A098. Data may be furnished to consultants only 60 days after opening. | S001 art. 4 §7. [Planalto](https://www.planalto.gov.br/ccivil_03/_ato2011-2014/2011/lei/l12414.htm) |\n| **C_BR-P07-C027** | A098. Score availability and full-history disclosure are legally distinct. | S001 art. 4(IV)(a)–(b). [Planalto](https://www.planalto.gov.br/ccivil_03/_ato2011-2014/2011/lei/l12414.htm) |\n| **C_BR-P07-C028** | A098. Full-history disclosure requires prior specific authorization. | S001 art. 4(IV)(b); S003 art. 7. [Planalto+1](https://www.planalto.gov.br/ccivil_03/_ato2011-2014/2011/lei/l12414.htm) |\n| **C_BR-P07-C029** | A097. The manager must be able to prove authorization authenticity and validity. | S001 art. 4 §8. [Planalto](https://www.planalto.gov.br/ccivil_03/_ato2011-2014/2011/lei/l12414.htm) |\n| **C_BR-P07-C030** | A098. Authorization may cover one access or a fixed permitted period. | S003 art. 8 §1. [Planalto](https://www.planalto.gov.br/ccivil_03/_ato2019-2022/2019/decreto/d9936.htm) |\n| **C_BR-P07-C031** | A098. Natural-person fixed authorization may last no more than three months. | S003 art. 8 §1(II)(a). [Planalto](https://www.planalto.gov.br/ccivil_03/_ato2019-2022/2019/decreto/d9936.htm) |\n| **C_BR-P07-C032** | A098. Legal-person fixed authorization may last no more than 12 months. | S003 art. 8 §1(II)(b). [Planalto](https://www.planalto.gov.br/ccivil_03/_ato2019-2022/2019/decreto/d9936.htm) |\n| **C_BR-P07-C033** | A098. A BCB-authorized institution may receive indefinite authorization only while its contractual relationship continues. | S003 art. 8 §2. [Planalto](https://www.planalto.gov.br/ccivil_03/_ato2019-2022/2019/decreto/d9936.htm) |\n| **C_BR-P07-C034** | A098. Fixed or indefinite full-history authorization may be revoked at any time. | S003 art. 8 §3. [Planalto](https://www.planalto.gov.br/ccivil_03/_ato2019-2022/2019/decreto/d9936.htm) |\n| **C_BR-P07-C035** | A097. A consultant must maintain or intend a commercial or credit relationship and use data for a permitted financial-risk purpose. | S001 arts. 7, 15; S003 art. 9. [Planalto+1](https://www.planalto.gov.br/ccivil_03/_ato2011-2014/2011/lei/l12414.htm) |\n| **C_BR-P07-C036** | A097. Manager-to-manager sharing is permitted, with receiving and originating managers retaining update/correction duties. | S001 arts. 4(III), 9. [Planalto](https://www.planalto.gov.br/ccivil_03/_ato2011-2014/2011/lei/l12414.htm) |\n| **C_BR-P07-C037** | A098. Cancellation and reopening are free rights available on request. | S001 art. 5(I), §§4–5. [Planalto](https://www.planalto.gov.br/ccivil_03/_ato2011-2014/2011/lei/l12414.htm) |\n| **C_BR-P07-C038** | A098. A request may be made to any manager by telephone, physical or electronic means. | S001 art. 5 §5. [Planalto](https://www.planalto.gov.br/ccivil_03/_ato2011-2014/2011/lei/l12414.htm) |\n| **C_BR-P07-C039** | A097. The receiving manager and downstream managers each have a two-business-day statutory workflow. | S001 art. 5 §6. [Planalto](https://www.planalto.gov.br/ccivil_03/_ato2011-2014/2011/lei/l12414.htm) |\n| **C_BR-P07-C040** | A098. A prior expressed wish not to open a record requires automatic cancellation. | S001 art. 5 §7. [Planalto](https://www.planalto.gov.br/ccivil_03/_ato2011-2014/2011/lei/l12414.htm) |\n| **C_BR-P07-C041** | A098. Cancellation prevents use of history for statutory purposes, including use in third-party scores. | S001 art. 5 §8. [Planalto](https://www.planalto.gov.br/ccivil_03/_ato2011-2014/2011/lei/l12414.htm) |\n| **C_BR-P07-C042** | A098. Partial deletion is unavailable except for improperly recorded information. | S003 art. 14 §1. [Planalto](https://www.planalto.gov.br/ccivil_03/_ato2019-2022/2019/decreto/d9936.htm) |\n| **C_BR-P07-C043** | A097. No new positive annotations may be made after two business days from cancellation request. | S003 art. 14 §2. [Planalto](https://www.planalto.gov.br/ccivil_03/_ato2019-2022/2019/decreto/d9936.htm) |\n| **C_BR-P07-C044** | A098. Score-access suspension is distinct from full cancellation. | S003 art. 13. [Planalto](https://www.planalto.gov.br/ccivil_03/_ato2019-2022/2019/decreto/d9936.htm) |\n| **C_BR-P07-C045** | A098. The person retains access to their own score during third-party score suspension. | S003 art. 13 §2. [Planalto](https://www.planalto.gov.br/ccivil_03/_ato2019-2022/2019/decreto/d9936.htm) |\n| **C_BR-P07-C046** | A098. The read provisions do not expressly settle whether reopening requires a new 30-day notice. | Bounded source gap; no affirmative rule inferred. |\n| **C_BR-P07-C047** | A098. Positive payment information may not remain for more than 15 years. | S001 art. 14. [Planalto](https://www.planalto.gov.br/ccivil_03/_ato2011-2014/2011/lei/l12414.htm) |\n| **C_BR-P07-C048** | A097. Authorization/cancellation/correction audit records may be kept at least 15 years from cancellation. | S003 arts. 10(VIII), 12. [Planalto](https://www.planalto.gov.br/ccivil_03/_ato2019-2022/2019/decreto/d9936.htm) |\n| **C_BR-P07-C049** | A098. The person has free, justification-free access to their information, history and score. | S001 art. 5(II). [Planalto](https://www.planalto.gov.br/ccivil_03/_ato2011-2014/2011/lei/l12414.htm) |\n| **C_BR-P07-C050** | A098. Access includes sources, shared managers and consultants that accessed information during the preceding six months. | S001 art. 6; S003 art. 10(V). [Planalto+1](https://www.planalto.gov.br/ccivil_03/_ato2011-2014/2011/lei/l12414.htm) |\n| **C_BR-P07-C051** | A098. Several access and criteria disclosures have a 10-day statutory period. | S001 art. 5 §3 and art. 6 §2. [Planalto+1](https://www.planalto.gov.br/ccivil_03/_ato2011-2014/2011/lei/l12414.htm) |\n| **C_BR-P07-C052** | A098. Erroneous information must be corrected or cancelled in all shared databases within 10 days. | S001 art. 5(III). [Planalto](https://www.planalto.gov.br/ccivil_03/_ato2011-2014/2011/lei/l12414.htm) |\n| **C_BR-P07-C053** | A097. The source must verify and confirm or correct challenged information within two business days. | S001 art. 8(III). [Planalto](https://www.planalto.gov.br/ccivil_03/_ato2011-2014/2011/lei/l12414.htm) |\n| **C_BR-P07-C054** | A097. A source must update or correct information sent to managers within 10 days. | S001 art. 8(IV). [Planalto](https://www.planalto.gov.br/ccivil_03/_ato2011-2014/2011/lei/l12414.htm) |\n| **C_BR-P07-C055** | A097. A receiving manager assumes challenge/correction duties, and the originating manager must keep shared information updated. | S001 art. 9 §§1–2. [Planalto](https://www.planalto.gov.br/ccivil_03/_ato2011-2014/2011/lei/l12414.htm) |\n| **C_BR-P07-C056** | A098. The person may know principal score elements and criteria, subject to trade secrecy. | S001 art. 5(IV). [Planalto](https://www.planalto.gov.br/ccivil_03/_ato2011-2014/2011/lei/l12414.htm) |\n| **C_BR-P07-C057** | A098. Score criteria may not use unrelated, specified sensitive or prohibited third-party/right-exercise data. | S001 art. 7-A. [Planalto](https://www.planalto.gov.br/ccivil_03/_ato2011-2014/2011/lei/l12414.htm) |\n| **C_BR-P07-C058** | A097. A manager must publish a clear and accessible data-collection/use policy for credit-risk analysis. | S001 art. 7-A §1. [Planalto](https://www.planalto.gov.br/ccivil_03/_ato2011-2014/2011/lei/l12414.htm) |\n| **C_BR-P07-C059** | A098. Each response must show last update; the person may see sources, but consultants may not receive individual-source identities. | S003 arts. 10(I),(V), 11. [Planalto](https://www.planalto.gov.br/ccivil_03/_ato2019-2022/2019/decreto/d9936.htm) |\n| **C_BR-P07-C060** | A098. A consultant must return an automated-decision review result within seven business days. | S001 art. 5(VI); S003 art. 19. [Planalto](https://www.planalto.gov.br/ccivil_03/_ato2019-2022/2019/decreto/d9936.htm) |\n| **C_BR-P07-C061** | A098. Access, correction and review rights do not guarantee score increase, credit approval or a rate. | Negative consequence bounded by S001 arts. 5, 7, 7-A. |\n| **C_BR-P07-C062** | A098. LGPD personal-data rights attach to natural persons; Lei 12.414 separately protects legal persons. | S008 arts. 1, 5, 17; S001 art. 1. [Planalto+2](https://www.planalto.gov.br/ccivil_03/_ato2015-2018/2018/lei/l13709compilado.htm) |\n| **C_BR-P07-C063** | A098. LGPD territorial applicability depends on art. 3’s processing and offering/data-collection nexus. | S008 art. 3. [Planalto](https://www.planalto.gov.br/ccivil_03/_ato2015-2018/2018/lei/l13709compilado.htm) |\n| **C_BR-P07-C064** | A097. Credit protection is an LGPD legal basis, but it does not displace specific full-history authorization rules. | S008 art. 7(X), §6; S001 art. 4(IV)(b). [Planalto+1](https://www.planalto.gov.br/ccivil_03/_ato2015-2018/2018/lei/l13709compilado.htm) |\n| **C_BR-P07-C065** | A098. Natural persons have LGPD access, correction and automated-review rights in addition to sector-specific rights. | S008 arts. 18–20; complete LGPD module held. [Planalto+1](https://www.planalto.gov.br/ccivil_03/_ato2015-2018/2018/lei/l13709compilado.htm) |\n| **C_BR-P07-C066** | A097. Covered financial-institution information may go only to BCB-registered managers. | S001 art. 12; S004 arts. 1–5. [Planalto+2](https://www.planalto.gov.br/ccivil_03/_ato2011-2014/2011/lei/l12414.htm) |\n| **C_BR-P07-C067** | A097. Resolução 4.737 specifies covered operations and reporting fields, including partial payments. | S004 arts. 2–3, printed pp.1–2, indices 0–1. [Banco Central do Brasil Normativos+1](https://normativos.bcb.gov.br/Lists/Normativos/Attachments/50808/Res_4737_v2_P.pdf) |\n| **C_BR-P07-C068** | A097. Banco Central manager registration does not make the manager a financial institution or grant an adviser licence. | S001 art. 12 §7; S004 scope. [Planalto+1](https://www.planalto.gov.br/ccivil_03/_ato2011-2014/2011/lei/l12414.htm) |\n| **C_BR-P07-C069** | A097. LC 105 permits the defined positive-history transfer without creating a general bank-data exception. | S007 art. 1 §3(VII). [Planalto](https://www.planalto.gov.br/ccivil_03/leis/lcp/lcp105.htm) |\n| **C_BR-P07-C070** | A098. Detailed current Resolução BCB 14 registration procedure remains unread because the official dynamic body returned no substantive text. | S006; explicit source-access limit. |\n| **C_BR-P07-C071** | A098. Currentness includes LC 166, Decreto 9.936 and Resolução 4.737 as amended effective April 1, 2022; later exhaustive citator remains held. | S001–S005. |\n| **C_BR-P07-C072** | A098. No actual person, company, score, history, source, consultant, manager or registration record was searched. | Research boundary. |\n\n**Claim count: 72 displayed atomic and qualified claims, C_BR-P07-C001–C072.**\n\n# Complete granular core coverage\n\n| # | Required subquestion | Finding / claims | Status and exact next action |\n| --- | --- | --- | --- |\n| **P07-G01** | Positive-history scope | C001, C009 | **Answered narrowly.** Verify actual dataset before applying. |\n| **G02** | Natural person | C002, C062 | **Answered gateway.** Obtain actual data and actor roles. |\n| **G03** | Legal person | C002, C032, C062 | **Answered gateway.** Separate corporate and personal data. |\n| **G04** | Consumer status | C002; CDC overlay held | **Conditional.** Apply CDC only after final-recipient classification. |\n| **G05** | Public-law database | C003 | **Excluded.** Identify specific public register law. |\n| **G06** | Foreign/remote nexus | C063 | **Held.** Determine processing, offering and collection locations. |\n| **G07** | Database definition | C004 | **Answered.** Confirm financial-risk purpose. |\n| **G08** | Manager | C005, C018 | **Answered category.** Verify actual operating role. |\n| **G09** | Registered person | C006 | **Answered.** Establish identity and record. |\n| **G10** | Source | C007, C014 | **Answered.** Identify exact source and transaction. |\n| **G11** | Consultant | C008, C035 | **Answered.** Verify relationship and purpose. |\n| **G12** | Representative | C065, C072 | **Conditional.** Obtain mandate and authentication. |\n| **G13** | Credit history | C009 | **Answered definition.** Map actual fields. |\n| **G14** | Score distinction | C010, C027 | **Answered.** Do not treat score as full history. |\n| **G15** | Negative entry | C001 | **Deferred.** P06 remains unreviewed and unadopted. |\n| **G16** | SCR | C001 | **Deferred.** Read BCB/SCR rules separately. |\n| **G17** | Protest/Cadin/court data | C001, C003 | **Deferred.** Apply specific regimes separately. |\n| **G18** | Objective/clear/true data | C011 | **Answered standard.** Audit actual fields. |\n| **G19** | Excessive data | C012 | **Prohibited.** Test necessity to credit risk. |\n| **G20** | Sensitive data | C013, C057 | **Prohibited categories identified.** Full LGPD sensitivity held. |\n| **G21** | Utility source | C014 | **Answered gateway.** Identify service and payment fields. |\n| **G22** | Financial source | C066–C069 | **Conditional.** Verify BCB registration and operation type. |\n| **G23** | Partial-payment data | C015, C067 | **Permitted field.** Verify amount/date accuracy. |\n| **G24** | Identity/contact fields | C016 | **Permitted operational layout.** Check necessity and accuracy. |\n| **G25** | Account balances/itemized purchases | C017 | **No general authority established.** Identify separate legal basis if claimed. |\n| **G26** | Manager capital/governance | C018 | **Manager-only.** Do not turn into adviser licence or consumer fee. |\n| **G27** | Original opt-in rule | C019 | **Historical.** Do not publish as current. |\n| **G28** | Current opt-out rule | C020–C021 | **Answered.** Effective July 9, 2019. |\n| **G29** | Opening without consent | C021 | **Permitted conditionally.** Other safeguards still apply. |\n| **G30** | Opening notice period | C022 | **Thirty days.** Obtain exact opening date. |\n| **G31** | Notice cost | C022 | **No cost.** |\n| **G32** | Notice actor | C023 | **Manager directly or through source.** |\n| **G33** | Notice content | C023 | **Cancellation channels required.** Inspect actual communication. |\n| **G34** | Notice medium | C025 | **No exclusive method established.** Verify contact-data origin and proof. |\n| **G35** | Existing-record exception | C024 | **Conditional exception.** Prove another record was open. |\n| **G36** | Prior opt-out | C040 | **Automatic cancellation required.** Prove earlier expression. |\n| **G37** | Sixty-day consultation delay | C026 | **Answered.** Obtain exact opening timestamp. |\n| **G38** | Score consultation | C027, C035 | **Conditional.** Apply purpose, relationship, 60 days and suspension. |\n| **G39** | Full-history consultation | C028–C035 | **Specific authorization required.** |\n| **G40** | Authorization authenticity | C029 | **Manager proof required.** Obtain authorization record. |\n| **G41** | One-time authorization | C030 | **Permitted.** Identify consultant and access. |\n| **G42** | Natural-person duration | C031 | **Maximum three months.** |\n| **G43** | Legal-person duration | C032 | **Maximum 12 months.** |\n| **G44** | BCB institution indefinite duration | C033 | **Only during contractual relationship.** |\n| **G45** | Authorization revocation | C034 | **Available anytime.** Verify manager receipt. |\n| **G46** | Consultant relationship | C035 | **Actual/intended commercial or credit relationship required.** |\n| **G47** | Permitted purpose | C035 | **Credit-risk or financial-risk transaction only.** |\n| **G48** | Manager-to-manager sharing | C036 | **Permitted with retained duties.** |\n| **G49** | Financial-origin sharing | C066 | **Registered managers only.** |\n| **G50** | Cancellation free | C037 | **Answered.** |\n| **G51** | Reopening free | C037 | **Answered.** |\n| **G52** | Request to any manager | C038 | **Answered.** |\n| **G53** | Telephone/physical/electronic channel | C038 | **Answered.** |\n| **G54** | Receiving-manager deadline | C039 | **Two business days.** Verify holidays/receipt. |\n| **G55** | Downstream-manager deadline | C039 | **Two business days from downstream receipt.** |\n| **G56** | Cancellation effect | C041 | **Statutory use stops.** Other regimes unaffected. |\n| **G57** | Partial deletion | C042 | **Only for improperly recorded data.** |\n| **G58** | New annotations after cancellation | C043 | **Stop after two business days.** |\n| **G59** | Audit retention after cancellation | C048 | **At least 15 years.** No continued consultant use implied. |\n| **G60** | Reopening re-notice | C046 | **Unresolved.** Locate current authoritative rule before publication. |\n| **G61** | Score-access suspension | C044 | **Distinct right.** |\n| **G62** | Own score during suspension | C045 | **Access retained.** |\n| **G63** | Positive-data maximum | C047 | **Fifteen years.** Establish datum-level start. |\n| **G64** | Free access | C049 | **Answered.** |\n| **G65** | No justification required | C049 | **Answered.** |\n| **G66** | Information/history/score access | C049 | **Answered.** |\n| **G67** | Sources and contact details | C050 | **Accessible to registered person.** |\n| **G68** | Shared managers | C050 | **Accessible.** |\n| **G69** | Prior six-month consultants | C050 | **Accessible.** |\n| **G70** | Access response periods | C051 | **Multiple 10-day categories.** Do not promise universal instant delivery. |\n| **G71** | Correction across all databases | C052, C055 | **Within 10 days.** Identify shared chain. |\n| **G72** | Source verification | C053 | **Two business days.** |\n| **G73** | Source update | C054 | **Within 10 days.** |\n| **G74** | Score criteria | C056 | **Principal elements available; trade secrets preserved.** |\n| **G75** | Prohibited score inputs | C057 | **Answered categories.** Audit actual model separately. |\n| **G76** | Published data-use policy | C058 | **Required.** No actual manager policy reviewed. |\n| **G77** | Last-update timestamp | C059 | **Required in consultation response.** |\n| **G78** | Source identity asymmetry | C059 | **Person sees sources; consultant does not.** |\n| **G79** | Automated review | C060 | **Seven-business-day result.** Verify exclusively automated predicate. |\n| **G80** | Score or approval guarantee | C061 | **None established.** |\n| **G81** | LGPD natural-person scope | C062 | **Limited crossover only.** |\n| **G82** | LGPD territorial nexus | C063 | **Conditional.** |\n| **G83** | Credit-protection legal basis | C064 | **Does not override specific authorization.** |\n| **G84** | LGPD access/correction/review | C065 | **Limited confirmation.** Full module deferred. |\n| **G85** | Financial manager registration | C066–C068 | **Gateway identified.** No registrant lookup. |\n| **G86** | Bank-secrecy exception | C069 | **Narrow data category only.** |\n| **G87** | Detailed BCB registration procedure | C070 | **Unresolved body.** Obtain readable current Resolução BCB 14. |\n| **G88** | Currentness, P01 disposition and real-record acceptance | C071–C072 | **HOLD.** Recheck law and obtain actual data only under future authority. |\n\n**Core-coverage count: 88 displayed rows, P07-G01 through G88.**\n\n# Separately named deferred families\n\n| # | Deferred family | Exact remaining action |\n| --- | --- | --- |\n| **P07-D01** | Ordinary negative credit-register entries | Preserve P06 as unreviewed; conduct separate accepted review before use. |\n| **D02** | Full LGPD legal bases and controller/operator allocation | Read complete current statute, regulations and actual data flow. |\n| **D03** | LGPD international transfer and foreign controller | Determine location, transfer mechanism and current ANPD rules. |\n| **D04** | LGPD retention and deletion outside Lei 12.414 | Classify each purpose and statutory retention duty. |\n| **D05** | Biometrics, children’s data and sensitive-data processing | Read specific LGPD rules and actual dataset. |\n| **D06** | Security incidents and breach notification | Decreto 9.936 art. 18 noted but full current LGPD/ANPD regime deferred. |\n| **D07** | LGPD sanctions, private actions and damages | Full remedial and current case-law review required. |\n| **D08** | Actual proprietary score model | Obtain actual criteria, edition, inputs and model governance under authority. |\n| **D09** | Commercial scoring products outside Cadastro Positivo | Classify separately from the statutory positive register. |\n| **D10** | Cadastro Positivo remedies and complete judicial citator | Research current precedent, proof, causation and remedies separately. |\n| **D11** | SCR / Banco Central credit reporting | Read current BCB instruments; do not equate with Cadastro Positivo. |\n| **D12** | Protest and notarial records | Apply Lei 9.492 and local notarial law separately. |\n| **D13** | Cadin and governmental debt registers | Apply specific public-law regime. |\n| **D14** | Court judgments and public judicial records | Apply procedural and public-record rules separately. |\n| **D15** | Detailed Resolução BCB 14 registration procedure | Obtain readable current enacted body and current filing instructions. |\n| **D16** | Actual manager registration or named registrant | No lookup authorized; perform only under separate instruction. |\n| **D17** | Provider professional permission | Preserve OAB/CRA/CORECON and other P01 holds. |\n| **D18** | Adviser fees and consumer contracts | PASS-04 remains unreviewed and unadopted. |\n| **D19** | Client money, payment services and safeguarding | Preserve BCB 494/payment and funds-flow holds. |\n| **D20** | Current CMN 4.935 / Joint Resolution 17 correspondent regime | Preserve P02 partial current-source hold. |\n| **D21** | Underlying debt and settlement validity | Obtain actual contract, authority and settlement documents separately. |\n| **D22** | Prescription and interruption | PASS-05 remains unreviewed and unadopted. |\n| **D23** | General collection communications and conduct | Research separately from positive payment history. |\n| **D24** | Secured credit, collateral and guaranties | Apply product and security-specific law. |\n| **D25** | Tax, government, student and support claims | Apply specific public/program law. |\n| **D26** | Insolvency, recuperação and falência | Analyze effect of the actual proceeding and plan. |\n| **D27** | Sector-specific utility, telecom, insurance and lending rules | Identify source sector and read its current regulations. |\n| **D28** | Tax treatment of data, settlement or write-offs | No tax conclusion from positive-history law. |\n| **D29** | Complaints, Procon procedure and administrative sanctions | Read actual federal/state/local procedure; no complaint filed. |\n| **D30** | Civil damages, causation and limitation | Full remedy and current precedent review required. |\n| **D31** | Representative authority and authentication standards | Obtain actual mandate and manager procedure. |\n| **D32** | Reopening notice requirement | Locate express current authority; do not infer. |\n| **D33** | State/DF/municipal implementation | All 27 branches remain individually deferred below. |\n| **D34** | Foreign law, recognition and overseas data access | No foreign-law premise adopted. |\n| **D35** | Actual records, reports, scores and consultant decisions | None obtained or searched. |\n| **D36** | Full Brazil, A097/A098, parent-program and publication acceptance | **HOLD** pending same-coordinator review and every outstanding branch. |\n\n**Deferred-family count: 36 displayed rows.**\n\n# All 27 inherited state and Distrito Federal branches\n\nThese names are inherited from the saved P01 territorial inventory. No geography API, IBGE endpoint or fresh territorial certification was used. No state, DF or municipality is cleared by the federal analysis.\n\n| State / DF | PASS-07 status | Exact remaining local issue |\n| --- | --- | --- |\n| **Acre (AC)** | No local body read | AC consumer authority, Procon, court procedure, accessibility and municipal implementation. |\n| **Alagoas (AL)** | No local body read | AL consumer enforcement, court remedies, municipal channels and local procedure. |\n| **Amapá (AP)** | No local body read | AP Procon, courts, accessibility and local positive-history enforcement. |\n| **Amazonas (AM)** | No local body read | AM consumer agencies, remote-access issues, courts and municipalities. |\n| **Bahia (BA)** | No local body read | BA Procon, court and municipal implementation. |\n| **Ceará (CE)** | No local body read | CE consumer enforcement, administrative procedure and courts. |\n| **Distrito Federal (DF)** | No local body read | DF consumer authority, TJDFT, local remedies and accessibility. |\n| **Espírito Santo (ES)** | No local body read | ES Procon, courts, municipalities and local evidence rules. |\n| **Goiás (GO)** | No local body read | GO consumer authorities, court procedure and municipal routes. |\n| **Maranhão (MA)** | No local body read | MA Procon, courts, accessibility and local complaint procedure. |\n| **Mato Grosso (MT)** | No local body read | MT administrative and court implementation. |\n| **Mato Grosso do Sul (MS)** | No local body read | MS Procon, courts, border/remote issues and local procedures. |\n| **Minas Gerais (MG)** | No local body read | MG consumer enforcement, courts and municipal implementation. |\n| **Pará (PA)** | No local body read | PA Procon, courts, language/accessibility and municipalities. |\n| **Paraíba (PB)** | No local body read | PB consumer authority, court remedies and local channels. |\n| **Paraná (PR)** | No local body read | PR Procon, courts and local implementation. |\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 accessibility. |\n| **Rio de Janeiro (RJ)** | No local body read | RJ consumer authority, courts and municipal procedures. |\n| **Rio Grande do Norte (RN)** | No local body read | RN Procon, courts and local remedies. |\n| **Rio Grande do Sul (RS)** | No local body read | RS consumer agencies, courts and current local interpretation. |\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 municipal implementation. |\n| **São Paulo (SP)** | No local PASS-07 body read | SP Procon, TJSP, municipalities and local administrative procedure. |\n| **Sergipe (SE)** | No local body read | SE consumer authority, courts and municipal routes. |\n| **Tocantins (TO)** | No local body read | TO Procon, courts, accessibility and local implementation. |\n\n**Territorial count: 27 displayed rows; zero state/DF branches cleared.**\n\n# Evidence-backed article, checklist and conditional-tool opportunities\n\n| Opportunity | Supported function | Mandatory guardrail |\n| --- | --- | --- |\n| **“Brazil’s Cadastro Positivo is opt-out—but not open access”** | Explain opening, 30-day notice, 60-day delay and specific full-history authorization. | Do not describe it as unrestricted sharing or prior consent for opening. |\n| **Score versus full-history explainer** | Show the different consent, purpose and suspension branches. | No promise that score-only access is proper without relationship and purpose. |\n| **Opening timeline worksheet** | Input opening date; display 30-day notice and 60-day consultant barrier. | Require exact timestamp and distinguish “60th day” from “after 60 days.” |\n| **Cancellation/reopening tracker** | Show receiving-manager and downstream-manager two-business-day clocks. | Require receipt dates and local holiday inputs. |\n| **Positive-history authorization checker** | One-time, natural-person three-month, legal-person 12-month and regulated-institution relationship options. | Never convert a general privacy clause automatically into specific authorization. |\n| **Payment-history field audit** | Compare source, date, amount due, amount paid, partial payment and status. | Do not infer debt validity or negative-register consequences. |\n| **Correction workflow** | Track source’s two-business-day verification and 10-day cross-database correction/update duties. | Clarify which actor received each request and when. |\n| **Automated-decision review tracker** | Record request date and seven-business-day result period. | No automatic credit approval, score increase or model disclosure promise. |\n| **System classifier** | Separate Cadastro Positivo, negative register, SCR, score, protest, Cadin and court data. | Each excluded system needs its own source-backed module. |\n| **Manager-versus-adviser checklist** | Explain that manager regulation and BCB registration concern database operations/financial-origin data. | Do not market manager rules as a debt-adviser licence. |\n\nA safe positive-history tool should display:\n\n“This result classifies the statutory workflow only. It does not verify an actual database, score, source, authorization, credit decision, underlying debt or legal remedy.”\n\nIt should never produce “Your score will rise,” “You will be approved,” or “Cancellation deletes all credit information.”\n\n# Researcher self-check\n\n| Reconciliation item | Actual result |\n| --- | --- |\n| Assigned component | P01 D05 remaining *Cadastro Positivo* / positive-history branch only. |\n| P04/P05/P06 reliance | **None.** All remain unreviewed and were not adopted. |\n| Sources | **11 displayed:** operative laws/regulations, limited crossovers, one revoked historical body and two dynamic/index failures. |\n| Claims | **72 displayed**, C_BR-P07-C001–C072. |\n| Core coverage | **88 displayed**, P07-G01–G88. |\n| Deferred families | **36 displayed**, P07-D01–D36. |\n| Territorial rows | **27 displayed**, none cleared. |\n| Fictional workflows | **10 displayed**, H01–H10. |\n| Timing calculations | H01 30-day and 60-day opening intervals; H03 two-business-day cancellation; H06 two-business-day source verification. |\n| Actual report, score or history | **None obtained or searched.** |\n| Named manager, source, consultant or institution | **None searched or classified.** |\n| Actual authorization or cancellation request | **None obtained.** |\n| Original opt-in/current opt-out | Independently traced through Lei 12.414, LC 166 and Decreto 9.936. |\n| Current regulation | Decreto 9.936 operative body read; Resolução 4.737 current consolidated PDF read. |\n| Detailed BCB registration procedure | **Not completed** because Resolução BCB 14’s public dynamic body did not return substantive text. |\n| Full LGPD | **Deferred.** Only necessary natural-person crossover read. |\n| Negative-register doctrine | **Not rerun or adopted.** |\n| Prescription | **Not rerun or adopted.** |\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 or record lookup | **None.** |\n| Contacts, complaints or filings | **None.** |\n| Coordinator files | No write performed or claimed. |\n| Model/power | No self-certified model tier, Pro status, quota, recovery or measured ranking. |\n| Review status | This is 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 positive-history assessment\n\n1. Identity of the actual manager, source and consultant.\n2. Exact record-opening date and timestamp.\n3. Whether another positive record was already open.\n4. Post-opening notice, content, channel and proof.\n5. Consultant-access dates and purpose.\n6. Whether the request was score-only or full-history.\n7. Full-history authorization and its duration.\n8. Cancellation, reopening, score-suspension or authorization-revocation records.\n9. Exact source fields and payment-history data.\n10. Correction requests, source verification and downstream propagation.\n11. Six-month consultant-access log.\n12. Automated-decision details and review request.\n13. Manager category and, if financial-origin data are involved, relevant BCB registration.\n14. Applicable state/DF/municipal procedures.\n15. Current versions of every consequential federal instrument at the actual use date.\n\n**Final disposition:** PASS-07 establishes the narrow current federal framework for *Cadastro Positivo* opening, notice, consultation, authorization, cancellation, access, correction, scoring and financial-origin manager registration. It does not establish that any actual record, score, data use, authorization, cancellation, credit decision, provider or database is lawful, unlawful, accurate, removable, compensable or approved.\n\nEND C_BR PASS-07 \n\n","tables":[{"headers":["Stage","Rule and legal effect","Current disposition"],"index":0,"links":[{"href":"https://www.planalto.gov.br/ccivil_03/_ato2011-2014/2012/decreto/d7829.htm","text":"Planalto\n+1"},{"href":"https://www.planalto.gov.br/ccivil_03/leis/lcp/lcp166.htm","text":"Planalto\n+1"},{"href":"https://www.planalto.gov.br/ccivil_03/_ato2019-2022/2019/decreto/d9936.htm","text":"Planalto"},{"href":"https://normativos.bcb.gov.br/Lists/Normativos/Attachments/50808/Res_4737_v2_P.pdf","text":"Banco Central do Brasil Normativos\n+3"},{"href":"https://www.bcb.gov.br/estabilidadefinanceira/exibenormativo?numero=14&tipo=Resolu%C3%A7%C3%A3o+BCB","text":"Banco Central do Brasil\n+1"}],"row_links":[[],[],[{"href":"https://www.planalto.gov.br/ccivil_03/_ato2011-2014/2012/decreto/d7829.htm","text":"Planalto\n+1"}],[{"href":"https://www.planalto.gov.br/ccivil_03/leis/lcp/lcp166.htm","text":"Planalto\n+1"}],[{"href":"https://www.planalto.gov.br/ccivil_03/_ato2019-2022/2019/decreto/d9936.htm","text":"Planalto"}],[{"href":"https://normativos.bcb.gov.br/Lists/Normativos/Attachments/50808/Res_4737_v2_P.pdf","text":"Banco Central do Brasil Normativos\n+3"}],[],[{"href":"https://www.bcb.gov.br/estabilidadefinanceira/exibenormativo?numero=14&tipo=Resolu%C3%A7%C3%A3o+BCB","text":"Banco Central do Brasil\n+1"}]],"rows":[["Stage","Rule and legal effect","Current disposition"],["Original 2011 law","Lei 12.414 originally required informed prior authorization before opening a positive record.","Historical only for this point; that wording was replaced."],["Original 2012 regulation","Decreto 7.829 implemented the consent-based model.","Expressly revoked by Decreto 9.936/2019. \nPlanalto\n+1"],["LC 166/2019","Rewrote the definitions, opening, notice, cancellation, sharing, scoring and financial-data provisions. Most amendments became effective 91 days after publication.","Current opt-out foundation; substantive date July 9, 2019. \nPlanalto\n+1"],["Decreto 9.936/2019","Regulates manager requirements, permissible fields, authorization, access, cancellation, score suspension, correction and source duties.","Operative regulation; effective on publication July 25, 2019. The August 1 rectification is not a second commencement date. \nPlanalto"],["Resolução CMN 4.737/2019","Regulates financial-institution reporting and Banco Central registration/cancellation of managers receiving financial-origin data.","Current consolidated official PDF read, including amendments effective April 1, 2022. \nBanco Central do Brasil Normativos\n+3"],["Resolução CMN 4.990/2022","Amended registration, control and governance provisions in Resolução 4.737.","Amendment effects visible in the official consolidated 4.737 PDF. The standalone dynamic body was not substantively readable."],["Resolução BCB 14/2020","Identified by official BCB material as the procedural rule for manager registration.","Full current enacted procedure was not substantively readable through the public dynamic page; detailed forms and filing mechanics remain held. \nBanco Central do Brasil\n+1"]]},{"headers":["Actor","Exact statutory role","What that status does not establish"],"index":1,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[]],"rows":[["Actor","Exact statutory role","What that status does not establish"],["Banco de dados","Structured data concerning natural or legal persons used to support credit, deferred sales or other transactions involving financial risk.","It is not automatically an ordinary negative register, public court database or SCR."],["Gestor","Legal person meeting statutory and regulatory operating requirements and administering collection, storage, analysis and third-party access.","“Gestor” status is not an adviser, lender, lawyer or payment licence."],["Cadastrado","Natural or legal person whose information has been included.","It does not necessarily mean “consumer” under every CDC rule."],["Fonte","Person or entity granting credit, conducting deferred sales, self-financing or another transaction producing financial risk; expressly includes BCB-authorized institutions and continuous-service providers.","Source status does not grant unrestricted data-sharing rights."],["Consulente","Natural or legal person accessing data for a purpose allowed by Lei 12.414.","It is not unrestricted public access; the user must maintain or intend a commercial or credit relationship."],["Consumer","CDC classification may apply where the final-recipient predicates are satisfied.","Lei 12.414 separately covers legal persons even where CDC consumer status remains unresolved."],["Representative","May exercise rights where legally authorized.","Lei 12.414 does not prescribe one universal mandate or authentication format."],["Banco Central","Registers managers eligible to receive covered financial-institution data and supervises that registration branch.","It does not approve every score, every source datum, every consultant access or a debt-adviser business model."],["SNDC / consumer bodies","May apply consumer sanctions and specified corrective measures where the registered person is a consumer.","Federal statutory authority does not verify each state, DF or municipal implementation."]]},{"headers":["Clock","Trigger and function","Limit"],"index":2,"links":[],"row_links":[[],[],[]],"rows":[["Clock","Trigger and function","Limit"],["Positive-information duration","Lei 12.414 art. 14 prohibits positive payment information remaining in databases for more than 15 years.","Exact record-level start and historical treatment need the particular datum and manager record."],["Audit retention","Decreto 9.936 arts. 10(VIII) and 12 require records concerning authorizations, cancellations, reopenings, exclusions, revocations and corrections for at least 15 years, with art. 12 counting from cancellation.","Audit retention is not continued consultant access or continued scoring use after cancellation."]]},{"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 branch","PASS-07 result","Remaining gate"],"index":4,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["P01 D05 branch","PASS-07 result","Remaining gate"],["Positive-history primary law","Lei 12.414, LC 166 and Decreto 9.936 operative framework read.","Later amendments/current consolidation must be rechecked at publication."],["Original opt-in versus current opening","Opt-out opening effective July 9, 2019 established.","Actual opening, manager and notice facts absent."],["Data and actors","Gestor, fonte, consulente, cadastrado and permitted payment-history fields identified.","Actual data flow absent."],["Notice","Thirty-day post-opening communication and existing-record exception identified.","Actual channel, proof and record status absent."],["Consultation","Sixty-day barrier, permitted purpose and relationship identified.","Actual consultant and purpose absent."],["Score/full history","Score and full-history authorization separated.","Actual authorization and access logs absent."],["Cancellation/reopening","Free channels and two-business-day manager workflow identified.","Actual request/receipt/propagation absent; reopening re-notice unresolved."],["Access/correction","Free access, 10-day correction, two-business-day source verification and 10-day source update identified.","Actual record/error/source absent."],["Scoring/automated decisions","Criteria rights and seven-business-day automated review result identified.","Proprietary model, actual decision and full remedy unexamined."],["BCB manager registration","Financial-origin manager registration gateway identified.","Full current Resolução BCB 14 procedure not read; no registrant queried."],["LGPD","Limited natural-person crossover identified.","Full LGPD module deferred."],["P06 negative-register work","Not adopted or rerun.","Entire P06 remains awaiting review."]]},{"headers":["Source ID","Issuer, title and complete literal URL","Pinpoints, publication/commencement, pages and limits"],"index":5,"links":[{"href":"https://www.planalto.gov.br/ccivil_03/_ato2011-2014/2011/lei/l12414.htm","text":"Planalto\n+3"},{"href":"https://www.planalto.gov.br/ccivil_03/leis/lcp/lcp166.htm","text":"Planalto\n+2"},{"href":"https://www.planalto.gov.br/ccivil_03/_ato2019-2022/2019/decreto/d9936.htm","text":"Planalto\n+5"},{"href":"https://normativos.bcb.gov.br/Lists/Normativos/Attachments/50808/Res_4737_v2_P.pdf","text":"Banco Central do Brasil Normativos\n+3"},{"href":"https://www.bcb.gov.br/estabilidadefinanceira/exibenormativo?numero=4990&tipo=Resolu%C3%A7%C3%A3o+CMN","text":"Banco Central do Brasil\n+1"},{"href":"https://www.bcb.gov.br/estabilidadefinanceira/exibenormativo?numero=14&tipo=Resolu%C3%A7%C3%A3o+BCB","text":"Banco Central do Brasil\n+1"},{"href":"https://www.planalto.gov.br/ccivil_03/leis/lcp/lcp105.htm","text":"Planalto"},{"href":"https://www.planalto.gov.br/ccivil_03/_ato2015-2018/2018/lei/l13709compilado.htm","text":"Planalto\n+4"},{"href":"https://www.planalto.gov.br/ccivil_03/leis/l8078compilado.htm?utm_source=chatgpt.com","text":"Planalto"},{"href":"https://www.planalto.gov.br/ccivil_03/leis/2002/l10406compilada.htm","text":"Planalto"},{"href":"https://www.planalto.gov.br/ccivil_03/_ato2011-2014/2012/decreto/d7829.htm","text":"Planalto"}],"row_links":[[],[{"href":"https://www.planalto.gov.br/ccivil_03/_ato2011-2014/2011/lei/l12414.htm","text":"Planalto\n+3"}],[{"href":"https://www.planalto.gov.br/ccivil_03/leis/lcp/lcp166.htm","text":"Planalto\n+2"}],[{"href":"https://www.planalto.gov.br/ccivil_03/_ato2019-2022/2019/decreto/d9936.htm","text":"Planalto\n+5"}],[{"href":"https://normativos.bcb.gov.br/Lists/Normativos/Attachments/50808/Res_4737_v2_P.pdf","text":"Banco Central do Brasil Normativos\n+3"}],[{"href":"https://www.bcb.gov.br/estabilidadefinanceira/exibenormativo?numero=4990&tipo=Resolu%C3%A7%C3%A3o+CMN","text":"Banco Central do Brasil\n+1"}],[{"href":"https://www.bcb.gov.br/estabilidadefinanceira/exibenormativo?numero=14&tipo=Resolu%C3%A7%C3%A3o+BCB","text":"Banco Central do Brasil\n+1"}],[{"href":"https://www.planalto.gov.br/ccivil_03/leis/lcp/lcp105.htm","text":"Planalto"}],[{"href":"https://www.planalto.gov.br/ccivil_03/_ato2015-2018/2018/lei/l13709compilado.htm","text":"Planalto\n+4"}],[{"href":"https://www.planalto.gov.br/ccivil_03/leis/l8078compilado.htm?utm_source=chatgpt.com","text":"Planalto"}],[{"href":"https://www.planalto.gov.br/ccivil_03/leis/2002/l10406compilada.htm","text":"Planalto"}],[{"href":"https://www.planalto.gov.br/ccivil_03/_ato2011-2014/2012/decreto/d7829.htm","text":"Planalto"}]],"rows":[["Source ID","Issuer, title and complete literal URL","Pinpoints, publication/commencement, pages and limits"],["C_BR-P07-S001","Presidência da República, Lei nº 12.414, de 9 de junho de 2011, compiled. https://www.planalto.gov.br/ccivil_03/_ato2011-2014/2011/lei/l12414.htm","FRESH-READ—OPERATIVE. Arts. 1–9, 12–18; especially arts. 2–8, 12, 14–17. Original law effective on publication under art. 18; current text contains LC 166 amendments and shows historical struck text. HTML; printed page and PDF index N/A. Full remedies/case citator not completed. \nPlanalto\n+3"],["S002","Presidência da República, Lei Complementar nº 166, de 8 de abril de 2019. https://www.planalto.gov.br/ccivil_03/leis/lcp/lcp166.htm","FRESH-READ—AMENDMENT. Arts. 1–7, especially art. 2 amendments and art. 7 commencement. DOU April 9, 2019. Selected provisions effective on publication; other substantive amendments after 91 days, July 9, 2019. HTML; printed page/PDF index N/A. \nPlanalto\n+2"],["S003","Presidência da República, Decreto nº 9.936, de 24 de julho de 2019. https://www.planalto.gov.br/ccivil_03/_ato2019-2022/2019/decreto/d9936.htm","FRESH-READ—OPERATIVE. Arts. 1–23 and annex; materially arts. 2–17, 19, 22–23. Published DOU July 25, 2019; art. 23 effective on publication; rectified August 1, 2019. HTML; printed page/PDF index N/A. Security-incident branch not substantively completed. \nPlanalto\n+5"],["S004","Conselho Monetário Nacional / Banco Central do Brasil, Resolução nº 4.737, de 29 de julho de 2019, current consolidated PDF. https://normativos.bcb.gov.br/Lists/Normativos/Attachments/50808/Res_4737_v2_P.pdf","FRESH-READ—OPERATIVE PDF. Arts. 1–3: printed p.1, zero-based index 0; arts. 3–6: printed p.2, index 1; arts. 12–14: printed p.7, index 6; arts. 14–19: printed p.8, index 7. Original DOU July 31, 2019, Section 1, p.58; art. 19 effective on publication. Consolidation shows Resolução CMN 4.990 changes effective April 1, 2022. \nBanco Central do Brasil Normativos\n+3"],["S005","Banco Central do Brasil, Resolução CMN nº 4.990, de 24 de março de 2022, dynamic normative page. https://www.bcb.gov.br/estabilidadefinanceira/exibenormativo?numero=4990&tipo=Resolu%C3%A7%C3%A3o+CMN","INDEX/FAILED BODY. Public dynamic page returned no substantive text. The actual amendment wording/effective date is visible in S004’s official consolidated 4.737 PDF; an official preparatory vote was discovery only and is not treated as the enacted rule. HTML dynamic page; printed page/PDF index N/A. \nBanco Central do Brasil\n+1"],["S006","Banco Central do Brasil, Resolução BCB nº 14, de 9 de setembro de 2020, dynamic normative page. https://www.bcb.gov.br/estabilidadefinanceira/exibenormativo?numero=14&tipo=Resolu%C3%A7%C3%A3o+BCB","INDEX/FAILED BODY. Official dynamic page did not return substantive provisions. Official BCB material identifies it as the procedural rule for manager registration. No detailed current form, filing or procedural claim is adopted. HTML; printed page/PDF index N/A. \nBanco Central do Brasil\n+1"],["S007","Presidência da República, Lei Complementar nº 105, de 10 de janeiro de 2001, compiled. https://www.planalto.gov.br/ccivil_03/leis/lcp/lcp105.htm","FRESH-READ—LIMITED. Art. 1 §3(VII) and related bank-secrecy context. The positive-history exception was added by LC 166/2019. HTML; printed page/PDF index N/A. No general bank-secrecy module completed. \nPlanalto"],["S008","Presidência da República, Lei nº 13.709/2018 — LGPD, compiled. https://www.planalto.gov.br/ccivil_03/_ato2015-2018/2018/lei/l13709compilado.htm","FRESH-READ—LIMITED CROSSOVER. Arts. 1, 3, 5–9 and 17–20. Current compiled text read only for natural-person scope, territorial nexus, principles, credit-protection basis, access/correction and automated decisions. HTML; printed page/PDF index N/A. Full LGPD module deferred. \nPlanalto\n+4"],["S009","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—LIMITED. Arts. 2–3 only, for consumer/supplier definitions and the credit-service overlay. HTML; printed page/PDF index N/A. Negative-register art. 43 doctrine was not rerun. \nPlanalto"],["S010","Presidência da República, Lei nº 10.406/2002 — Código Civil, compiled. https://www.planalto.gov.br/ccivil_03/leis/2002/l10406compilada.htm","FRESH-READ—TIMING ONLY. Art. 132 caput and §§1–4. Used only for fictional deadline arithmetic. HTML; printed page/PDF index N/A. No PASS-05 prescription conclusions adopted. \nPlanalto"],["S011","Presidência da República, Decreto nº 7.829, de 17 de outubro de 2012. https://www.planalto.gov.br/ccivil_03/_ato2011-2014/2012/decreto/d7829.htm","HISTORICAL—REVOKED. Official page identifies revocation by Decreto 9.936/2019. Read only to preserve the original opt-in regulatory history. 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PASS-07 concerns positive payment history, not ordinary negative entries, scores as an independent commercial product, SCR, protest, Cadin or court data.","S001 arts. 1–2; scope hold."],["C_BR-P07-C002","A098. Lei 12.414 covers positive history for natural and legal persons.","S001 arts. 1–2. \nPlanalto"],["C_BR-P07-C003","A098. Public-law databases maintained by domestic public-law entities are governed by specific legislation.","S001 art. 1 sole paragraph. \nPlanalto"],["C_BR-P07-C004","A097. A banco de dados is a dataset used to support credit, deferred sales or other financial-risk transactions.","S001 art. 2(I). \nPlanalto"],["C_BR-P07-C005","A097. A gestor is a qualifying legal person administering collection, storage, analysis and third-party access.","S001 art. 2(II). \nPlanalto"],["C_BR-P07-C006","A098. A cadastrado is a natural or legal person whose information has been included.","S001 art. 2(III). \nPlanalto"],["C_BR-P07-C007","A097. A fonte includes credit/deferred-sale actors, BCB-authorized institutions and listed continuous-service providers.","S001 art. 2(IV). \nPlanalto"],["C_BR-P07-C008","A097. A consulente is a natural or legal person accessing data for a legally permitted purpose.","S001 art. 2(V). \nPlanalto"],["C_BR-P07-C009","A098. Histórico de crédito comprises financial/payment data for paid or current credit operations and obligations.","S001 art. 2(VII). \nPlanalto"],["C_BR-P07-C010","A098. A score is a derived output and is distinct from disclosure of the complete history.","S001 art. 4(IV)(a)–(b). \nPlanalto"],["C_BR-P07-C011","A098. Stored data must be objective, clear, true, understandable and necessary.","S001 art. 3 §§1–2. \nPlanalto"],["C_BR-P07-C012","A098. Excessive information unrelated to credit-risk analysis is prohibited.","S001 art. 3 §3(I). \nPlanalto"],["C_BR-P07-C013","A098. Specified sensitive information is prohibited.","S001 art. 3 §3(II). \nPlanalto"],["C_BR-P07-C014","A097. Water, sewer, electricity, gas, telecommunications and analogous continuous-service providers may be sources.","S001 art. 2(IV). \nPlanalto"],["C_BR-P07-C015","A098. Regulated positive-history fields include origination, value, due dates and full or partial payments.","S003 arts. 3–4; S004 arts. 2–3. \nPlanalto\n+2"],["C_BR-P07-C016","A098. The operating layout may include source and registered-person identification/contact fields.","S003 art. 17. \nPlanalto"],["C_BR-P07-C017","A098. The reviewed regime does not authorize unrelated bank balances, itemized purchases or general asset data.","S001 arts. 2–3; S007 art. 1 §3(VII); bounded textual conclusion."],["C_BR-P07-C018","A097. Manager-level capital, security and governance requirements are not a SettleADebt adviser licence.","S003 art. 2; S001 art. 12 §7. \nPlanalto\n+1"],["C_BR-P07-C019","A098. The original 2011 opening model required prior informed consent.","Historical S001 art. 4 text; S011. \nPlanalto\n+1"],["C_BR-P07-C020","A098. LC 166 replaced the opening model, with most substantive changes effective July 9, 2019.","S002 arts. 2, 7. \nPlanalto\n+1"],["C_BR-P07-C021","A097. Current law permits a manager to open a positive record without prior opt-in.","S001 art. 4(I). \nPlanalto"],["C_BR-P07-C022","A098. Opening communication must occur without cost within 30 days.","S001 art. 4 §4(I). \nPlanalto"],["C_BR-P07-C023","A097. Notice is made by the manager directly or through a source and must identify cancellation channels.","S001 art. 4 §4(II)–(III). \nPlanalto"],["C_BR-P07-C024","A098. Notice is excused if the person already has a positive record open at another database.","S001 art. 4 §5. \nPlanalto"],["C_BR-P07-C025","A098. Notice uses personal contact data supplied by the person to a source.","S001 art. 4 §6. \nPlanalto"],["C_BR-P07-C026","A098. Data may be furnished to consultants only 60 days after opening.","S001 art. 4 §7. \nPlanalto"],["C_BR-P07-C027","A098. Score availability and full-history disclosure are legally distinct.","S001 art. 4(IV)(a)–(b). \nPlanalto"],["C_BR-P07-C028","A098. Full-history disclosure requires prior specific authorization.","S001 art. 4(IV)(b); S003 art. 7. \nPlanalto\n+1"],["C_BR-P07-C029","A097. The manager must be able to prove authorization authenticity and validity.","S001 art. 4 §8. \nPlanalto"],["C_BR-P07-C030","A098. Authorization may cover one access or a fixed permitted period.","S003 art. 8 §1. \nPlanalto"],["C_BR-P07-C031","A098. Natural-person fixed authorization may last no more than three months.","S003 art. 8 §1(II)(a). \nPlanalto"],["C_BR-P07-C032","A098. Legal-person fixed authorization may last no more than 12 months.","S003 art. 8 §1(II)(b). \nPlanalto"],["C_BR-P07-C033","A098. A BCB-authorized institution may receive indefinite authorization only while its contractual relationship continues.","S003 art. 8 §2. \nPlanalto"],["C_BR-P07-C034","A098. Fixed or indefinite full-history authorization may be revoked at any time.","S003 art. 8 §3. \nPlanalto"],["C_BR-P07-C035","A097. A consultant must maintain or intend a commercial or credit relationship and use data for a permitted financial-risk purpose.","S001 arts. 7, 15; S003 art. 9. \nPlanalto\n+1"],["C_BR-P07-C036","A097. Manager-to-manager sharing is permitted, with receiving and originating managers retaining update/correction duties.","S001 arts. 4(III), 9. \nPlanalto"],["C_BR-P07-C037","A098. Cancellation and reopening are free rights available on request.","S001 art. 5(I), §§4–5. \nPlanalto"],["C_BR-P07-C038","A098. A request may be made to any manager by telephone, physical or electronic means.","S001 art. 5 §5. \nPlanalto"],["C_BR-P07-C039","A097. The receiving manager and downstream managers each have a two-business-day statutory workflow.","S001 art. 5 §6. \nPlanalto"],["C_BR-P07-C040","A098. A prior expressed wish not to open a record requires automatic cancellation.","S001 art. 5 §7. \nPlanalto"],["C_BR-P07-C041","A098. Cancellation prevents use of history for statutory purposes, including use in third-party scores.","S001 art. 5 §8. \nPlanalto"],["C_BR-P07-C042","A098. Partial deletion is unavailable except for improperly recorded information.","S003 art. 14 §1. \nPlanalto"],["C_BR-P07-C043","A097. No new positive annotations may be made after two business days from cancellation request.","S003 art. 14 §2. \nPlanalto"],["C_BR-P07-C044","A098. Score-access suspension is distinct from full cancellation.","S003 art. 13. \nPlanalto"],["C_BR-P07-C045","A098. The person retains access to their own score during third-party score suspension.","S003 art. 13 §2. \nPlanalto"],["C_BR-P07-C046","A098. The read provisions do not expressly settle whether reopening requires a new 30-day notice.","Bounded source gap; no affirmative rule inferred."],["C_BR-P07-C047","A098. Positive payment information may not remain for more than 15 years.","S001 art. 14. \nPlanalto"],["C_BR-P07-C048","A097. Authorization/cancellation/correction audit records may be kept at least 15 years from cancellation.","S003 arts. 10(VIII), 12. \nPlanalto"],["C_BR-P07-C049","A098. The person has free, justification-free access to their information, history and score.","S001 art. 5(II). \nPlanalto"],["C_BR-P07-C050","A098. Access includes sources, shared managers and consultants that accessed information during the preceding six months.","S001 art. 6; S003 art. 10(V). \nPlanalto\n+1"],["C_BR-P07-C051","A098. Several access and criteria disclosures have a 10-day statutory period.","S001 art. 5 §3 and art. 6 §2. \nPlanalto\n+1"],["C_BR-P07-C052","A098. Erroneous information must be corrected or cancelled in all shared databases within 10 days.","S001 art. 5(III). \nPlanalto"],["C_BR-P07-C053","A097. The source must verify and confirm or correct challenged information within two business days.","S001 art. 8(III). \nPlanalto"],["C_BR-P07-C054","A097. A source must update or correct information sent to managers within 10 days.","S001 art. 8(IV). \nPlanalto"],["C_BR-P07-C055","A097. A receiving manager assumes challenge/correction duties, and the originating manager must keep shared information updated.","S001 art. 9 §§1–2. \nPlanalto"],["C_BR-P07-C056","A098. The person may know principal score elements and criteria, subject to trade secrecy.","S001 art. 5(IV). \nPlanalto"],["C_BR-P07-C057","A098. Score criteria may not use unrelated, specified sensitive or prohibited third-party/right-exercise data.","S001 art. 7-A. \nPlanalto"],["C_BR-P07-C058","A097. A manager must publish a clear and accessible data-collection/use policy for credit-risk analysis.","S001 art. 7-A §1. \nPlanalto"],["C_BR-P07-C059","A098. Each response must show last update; the person may see sources, but consultants may not receive individual-source identities.","S003 arts. 10(I),(V), 11. \nPlanalto"],["C_BR-P07-C060","A098. A consultant must return an automated-decision review result within seven business days.","S001 art. 5(VI); S003 art. 19. \nPlanalto"],["C_BR-P07-C061","A098. Access, correction and review rights do not guarantee score increase, credit approval or a rate.","Negative consequence bounded by S001 arts. 5, 7, 7-A."],["C_BR-P07-C062","A098. LGPD personal-data rights attach to natural persons; Lei 12.414 separately protects legal persons.","S008 arts. 1, 5, 17; S001 art. 1. \nPlanalto\n+2"],["C_BR-P07-C063","A098. LGPD territorial applicability depends on art. 3’s processing and offering/data-collection nexus.","S008 art. 3. \nPlanalto"],["C_BR-P07-C064","A097. Credit protection is an LGPD legal basis, but it does not displace specific full-history authorization rules.","S008 art. 7(X), §6; S001 art. 4(IV)(b). \nPlanalto\n+1"],["C_BR-P07-C065","A098. Natural persons have LGPD access, correction and automated-review rights in addition to sector-specific rights.","S008 arts. 18–20; complete LGPD module held. \nPlanalto\n+1"],["C_BR-P07-C066","A097. Covered financial-institution information may go only to BCB-registered managers.","S001 art. 12; S004 arts. 1–5. \nPlanalto\n+2"],["C_BR-P07-C067","A097. Resolução 4.737 specifies covered operations and reporting fields, including partial payments.","S004 arts. 2–3, printed pp.1–2, indices 0–1. \nBanco Central do Brasil Normativos\n+1"],["C_BR-P07-C068","A097. Banco Central manager registration does not make the manager a financial institution or grant an adviser licence.","S001 art. 12 §7; S004 scope. \nPlanalto\n+1"],["C_BR-P07-C069","A097. LC 105 permits the defined positive-history transfer without creating a general bank-data exception.","S007 art. 1 §3(VII). \nPlanalto"],["C_BR-P07-C070","A098. Detailed current Resolução BCB 14 registration procedure remains unread because the official dynamic body returned no substantive text.","S006; explicit source-access limit."],["C_BR-P07-C071","A098. Currentness includes LC 166, Decreto 9.936 and Resolução 4.737 as amended effective April 1, 2022; later exhaustive citator remains held.","S001–S005."],["C_BR-P07-C072","A098. No actual person, company, score, history, source, consultant, manager or registration record was searched.","Research boundary."]]},{"headers":["#","Required subquestion","Finding / claims","Status and exact next action"],"index":7,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["#","Required subquestion","Finding / claims","Status and exact next action"],["P07-G01","Positive-history scope","C001, C009","Answered narrowly. Verify actual dataset before applying."],["G02","Natural person","C002, C062","Answered gateway. Obtain actual data and actor roles."],["G03","Legal person","C002, C032, C062","Answered gateway. Separate corporate and personal data."],["G04","Consumer status","C002; CDC overlay held","Conditional. Apply CDC only after final-recipient classification."],["G05","Public-law database","C003","Excluded. Identify specific public register law."],["G06","Foreign/remote nexus","C063","Held. Determine processing, offering and collection locations."],["G07","Database definition","C004","Answered. Confirm financial-risk purpose."],["G08","Manager","C005, C018","Answered category. Verify actual operating role."],["G09","Registered person","C006","Answered. Establish identity and record."],["G10","Source","C007, C014","Answered. Identify exact source and transaction."],["G11","Consultant","C008, C035","Answered. Verify relationship and purpose."],["G12","Representative","C065, C072","Conditional. Obtain mandate and authentication."],["G13","Credit history","C009","Answered definition. Map actual fields."],["G14","Score distinction","C010, C027","Answered. Do not treat score as full history."],["G15","Negative entry","C001","Deferred. P06 remains unreviewed and unadopted."],["G16","SCR","C001","Deferred. Read BCB/SCR rules separately."],["G17","Protest/Cadin/court data","C001, C003","Deferred. Apply specific regimes separately."],["G18","Objective/clear/true data","C011","Answered standard. Audit actual fields."],["G19","Excessive data","C012","Prohibited. Test necessity to credit risk."],["G20","Sensitive data","C013, C057","Prohibited categories identified. Full LGPD sensitivity held."],["G21","Utility source","C014","Answered gateway. Identify service and payment fields."],["G22","Financial source","C066–C069","Conditional. Verify BCB registration and operation type."],["G23","Partial-payment data","C015, C067","Permitted field. Verify amount/date accuracy."],["G24","Identity/contact fields","C016","Permitted operational layout. Check necessity and accuracy."],["G25","Account balances/itemized purchases","C017","No general authority established. Identify separate legal basis if claimed."],["G26","Manager capital/governance","C018","Manager-only. Do not turn into adviser licence or consumer fee."],["G27","Original opt-in rule","C019","Historical. Do not publish as current."],["G28","Current opt-out rule","C020–C021","Answered. Effective July 9, 2019."],["G29","Opening without consent","C021","Permitted conditionally. Other safeguards still apply."],["G30","Opening notice period","C022","Thirty days. Obtain exact opening date."],["G31","Notice cost","C022","No cost."],["G32","Notice actor","C023","Manager directly or through source."],["G33","Notice content","C023","Cancellation channels required. Inspect actual communication."],["G34","Notice medium","C025","No exclusive method established. Verify contact-data origin and proof."],["G35","Existing-record exception","C024","Conditional exception. Prove another record was open."],["G36","Prior opt-out","C040","Automatic cancellation required. Prove earlier expression."],["G37","Sixty-day consultation delay","C026","Answered. Obtain exact opening timestamp."],["G38","Score consultation","C027, C035","Conditional. Apply purpose, relationship, 60 days and suspension."],["G39","Full-history consultation","C028–C035","Specific authorization required."],["G40","Authorization authenticity","C029","Manager proof required. Obtain authorization record."],["G41","One-time authorization","C030","Permitted. Identify consultant and access."],["G42","Natural-person duration","C031","Maximum three months."],["G43","Legal-person duration","C032","Maximum 12 months."],["G44","BCB institution indefinite duration","C033","Only during contractual relationship."],["G45","Authorization revocation","C034","Available anytime. Verify manager receipt."],["G46","Consultant relationship","C035","Actual/intended commercial or credit relationship required."],["G47","Permitted purpose","C035","Credit-risk or financial-risk transaction only."],["G48","Manager-to-manager sharing","C036","Permitted with retained duties."],["G49","Financial-origin sharing","C066","Registered managers only."],["G50","Cancellation free","C037","Answered."],["G51","Reopening free","C037","Answered."],["G52","Request to any manager","C038","Answered."],["G53","Telephone/physical/electronic channel","C038","Answered."],["G54","Receiving-manager deadline","C039","Two business days. Verify holidays/receipt."],["G55","Downstream-manager deadline","C039","Two business days from downstream receipt."],["G56","Cancellation effect","C041","Statutory use stops. Other regimes unaffected."],["G57","Partial deletion","C042","Only for improperly recorded data."],["G58","New annotations after cancellation","C043","Stop after two business days."],["G59","Audit retention after cancellation","C048","At least 15 years. No continued consultant use implied."],["G60","Reopening re-notice","C046","Unresolved. Locate current authoritative rule before publication."],["G61","Score-access suspension","C044","Distinct right."],["G62","Own score during suspension","C045","Access retained."],["G63","Positive-data maximum","C047","Fifteen years. Establish datum-level start."],["G64","Free access","C049","Answered."],["G65","No justification required","C049","Answered."],["G66","Information/history/score access","C049","Answered."],["G67","Sources and contact details","C050","Accessible to registered person."],["G68","Shared managers","C050","Accessible."],["G69","Prior six-month consultants","C050","Accessible."],["G70","Access response periods","C051","Multiple 10-day categories. Do not promise universal instant delivery."],["G71","Correction across all databases","C052, C055","Within 10 days. Identify shared chain."],["G72","Source verification","C053","Two business days."],["G73","Source update","C054","Within 10 days."],["G74","Score criteria","C056","Principal elements available; trade secrets preserved."],["G75","Prohibited score inputs","C057","Answered categories. Audit actual model separately."],["G76","Published data-use policy","C058","Required. No actual manager policy reviewed."],["G77","Last-update timestamp","C059","Required in consultation response."],["G78","Source identity asymmetry","C059","Person sees sources; consultant does not."],["G79","Automated review","C060","Seven-business-day result. Verify exclusively automated predicate."],["G80","Score or approval guarantee","C061","None established."],["G81","LGPD natural-person scope","C062","Limited crossover only."],["G82","LGPD territorial nexus","C063","Conditional."],["G83","Credit-protection legal basis","C064","Does not override specific authorization."],["G84","LGPD access/correction/review","C065","Limited confirmation. Full module deferred."],["G85","Financial manager registration","C066–C068","Gateway identified. No registrant lookup."],["G86","Bank-secrecy exception","C069","Narrow data category only."],["G87","Detailed BCB registration procedure","C070","Unresolved body. Obtain readable current Resolução BCB 14."],["G88","Currentness, P01 disposition and real-record acceptance","C071–C072","HOLD. Recheck law and obtain actual data only under future authority."]]},{"headers":["#","Deferred family","Exact remaining action"],"index":8,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["#","Deferred family","Exact remaining action"],["P07-D01","Ordinary negative credit-register entries","Preserve P06 as unreviewed; conduct separate accepted review before use."],["D02","Full LGPD legal bases and controller/operator allocation","Read complete current statute, regulations and actual data flow."],["D03","LGPD international transfer and foreign controller","Determine location, transfer mechanism and current ANPD rules."],["D04","LGPD retention and deletion outside Lei 12.414","Classify each purpose and statutory retention duty."],["D05","Biometrics, children’s data and sensitive-data processing","Read specific LGPD rules and actual dataset."],["D06","Security incidents and breach notification","Decreto 9.936 art. 18 noted but full current LGPD/ANPD regime deferred."],["D07","LGPD sanctions, private actions and damages","Full remedial and current case-law review required."],["D08","Actual proprietary score model","Obtain actual criteria, edition, inputs and model governance under authority."],["D09","Commercial scoring products outside Cadastro Positivo","Classify separately from the statutory positive register."],["D10","Cadastro Positivo remedies and complete judicial citator","Research current precedent, proof, causation and remedies separately."],["D11","SCR / Banco Central credit reporting","Read current BCB instruments; do not equate with Cadastro Positivo."],["D12","Protest and notarial records","Apply Lei 9.492 and local notarial law separately."],["D13","Cadin and governmental debt registers","Apply specific public-law regime."],["D14","Court judgments and public judicial records","Apply procedural and public-record rules separately."],["D15","Detailed Resolução BCB 14 registration procedure","Obtain readable current enacted body and current filing instructions."],["D16","Actual manager registration or named registrant","No lookup authorized; perform only under separate instruction."],["D17","Provider professional permission","Preserve OAB/CRA/CORECON and other P01 holds."],["D18","Adviser fees and consumer contracts","PASS-04 remains unreviewed and unadopted."],["D19","Client money, payment services and safeguarding","Preserve BCB 494/payment and funds-flow holds."],["D20","Current CMN 4.935 / Joint Resolution 17 correspondent regime","Preserve P02 partial current-source hold."],["D21","Underlying debt and settlement validity","Obtain actual contract, authority and settlement documents separately."],["D22","Prescription and interruption","PASS-05 remains unreviewed and unadopted."],["D23","General collection communications and conduct","Research separately from positive payment history."],["D24","Secured credit, collateral and guaranties","Apply product and security-specific law."],["D25","Tax, government, student and support claims","Apply specific public/program law."],["D26","Insolvency, recuperação and falência","Analyze effect of the actual proceeding and plan."],["D27","Sector-specific utility, telecom, insurance and lending rules","Identify source sector and read its current regulations."],["D28","Tax treatment of data, settlement or write-offs","No tax conclusion from positive-history law."],["D29","Complaints, Procon procedure and administrative sanctions","Read actual federal/state/local procedure; no complaint filed."],["D30","Civil damages, causation and limitation","Full remedy and current precedent review required."],["D31","Representative authority and authentication standards","Obtain actual mandate and manager procedure."],["D32","Reopening notice requirement","Locate express current authority; do not infer."],["D33","State/DF/municipal implementation","All 27 branches remain individually deferred below."],["D34","Foreign law, recognition and overseas data access","No foreign-law premise adopted."],["D35","Actual records, reports, scores and consultant decisions","None obtained or searched."],["D36","Full Brazil, A097/A098, parent-program and publication acceptance","HOLD pending same-coordinator review and every outstanding branch."]]},{"headers":["State / DF","PASS-07 status","Exact remaining local issue"],"index":9,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["State / DF","PASS-07 status","Exact remaining local issue"],["Acre (AC)","No local body read","AC consumer authority, Procon, court procedure, accessibility and municipal implementation."],["Alagoas (AL)","No local body read","AL consumer enforcement, court remedies, municipal channels and local procedure."],["Amapá (AP)","No local body read","AP Procon, courts, accessibility and local positive-history enforcement."],["Amazonas (AM)","No local body read","AM consumer agencies, remote-access issues, courts and municipalities."],["Bahia (BA)","No local body read","BA Procon, court and municipal implementation."],["Ceará (CE)","No local body read","CE consumer enforcement, administrative procedure and courts."],["Distrito Federal (DF)","No local body read","DF consumer authority, TJDFT, local remedies and accessibility."],["Espírito Santo (ES)","No local body read","ES Procon, courts, municipalities and local evidence rules."],["Goiás (GO)","No local body read","GO consumer authorities, court procedure and municipal routes."],["Maranhão (MA)","No local body read","MA Procon, courts, accessibility and local complaint procedure."],["Mato Grosso (MT)","No local body read","MT administrative and court implementation."],["Mato Grosso do Sul (MS)","No local body read","MS Procon, courts, border/remote issues and local procedures."],["Minas Gerais (MG)","No local body read","MG consumer enforcement, courts and municipal implementation."],["Pará (PA)","No local body read","PA Procon, courts, language/accessibility and municipalities."],["Paraíba (PB)","No local body read","PB consumer authority, court remedies and local channels."],["Paraná (PR)","No local body read","PR Procon, courts and local implementation."],["Pernambuco (PE)","No local body read","PE consumer enforcement, courts and municipalities."],["Piauí (PI)","No local body read","PI Procon, judicial procedure and local accessibility."],["Rio de Janeiro (RJ)","No local body read","RJ consumer authority, courts and municipal procedures."],["Rio Grande do Norte (RN)","No local body read","RN Procon, courts and local remedies."],["Rio Grande do Sul (RS)","No local body read","RS consumer agencies, courts and current local interpretation."],["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 municipal implementation."],["São Paulo (SP)","No local PASS-07 body read","SP Procon, TJSP, municipalities and local administrative procedure."],["Sergipe (SE)","No local body read","SE consumer authority, courts and municipal routes."],["Tocantins (TO)","No local body read","TO Procon, courts, accessibility and local implementation."]]},{"headers":["Opportunity","Supported function","Mandatory guardrail"],"index":10,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Opportunity","Supported function","Mandatory guardrail"],["“Brazil’s Cadastro Positivo is opt-out—but not open access”","Explain opening, 30-day notice, 60-day delay and specific full-history authorization.","Do not describe it as unrestricted sharing or prior consent for opening."],["Score versus full-history explainer","Show the different consent, purpose and suspension branches.","No promise that score-only access is proper without relationship and purpose."],["Opening timeline worksheet","Input opening date; display 30-day notice and 60-day consultant barrier.","Require exact timestamp and distinguish “60th day” from “after 60 days.”"],["Cancellation/reopening tracker","Show receiving-manager and downstream-manager two-business-day clocks.","Require receipt dates and local holiday inputs."],["Positive-history authorization checker","One-time, natural-person three-month, legal-person 12-month and regulated-institution relationship options.","Never convert a general privacy clause automatically into specific authorization."],["Payment-history field audit","Compare source, date, amount due, amount paid, partial payment and status.","Do not infer debt validity or negative-register consequences."],["Correction workflow","Track source’s two-business-day verification and 10-day cross-database correction/update duties.","Clarify which actor received each request and when."],["Automated-decision review tracker","Record request date and seven-business-day result period.","No automatic credit approval, score increase or model disclosure promise."],["System classifier","Separate Cadastro Positivo, negative register, SCR, score, protest, Cadin and court data.","Each excluded system needs its own source-backed module."],["Manager-versus-adviser checklist","Explain that manager regulation and BCB registration concern database operations/financial-origin data.","Do not market manager rules as a debt-adviser licence."]]},{"headers":["Reconciliation item","Actual result"],"index":11,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Reconciliation item","Actual result"],["Assigned component","P01 D05 remaining Cadastro Positivo / positive-history branch only."],["P04/P05/P06 reliance","None. All remain unreviewed and were not adopted."],["Sources","11 displayed: operative laws/regulations, limited crossovers, one revoked historical body and two dynamic/index failures."],["Claims","72 displayed, C_BR-P07-C001–C072."],["Core coverage","88 displayed, P07-G01–G88."],["Deferred families","36 displayed, P07-D01–D36."],["Territorial rows","27 displayed, none cleared."],["Fictional workflows","10 displayed, H01–H10."],["Timing calculations","H01 30-day and 60-day opening intervals; H03 two-business-day cancellation; H06 two-business-day source verification."],["Actual report, score or history","None obtained or searched."],["Named manager, source, consultant or institution","None searched or classified."],["Actual authorization or cancellation request","None obtained."],["Original opt-in/current opt-out","Independently traced through Lei 12.414, LC 166 and Decreto 9.936."],["Current regulation","Decreto 9.936 operative body read; Resolução 4.737 current consolidated PDF read."],["Detailed BCB registration procedure","Not completed because Resolução BCB 14’s public dynamic body did not return substantive text."],["Full LGPD","Deferred. Only necessary natural-person crossover read."],["Negative-register doctrine","Not rerun or adopted."],["Prescription","Not rerun or adopted."],["Source-specific clock times","Unknown and not invented."],["APIs, Deep Research, Work/Codex, subagents or new chats","None used."],["Named private case or record lookup","None."],["Contacts, complaints or filings","None."],["Coordinator files","No write performed or claimed."],["Model/power","No self-certified model tier, Pro status, quota, recovery or measured ranking."],["Review status","This is 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-P07-C001","area_numbers":[98],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"C_BR-P07-C001","Area; atomic proposition, predicate, act/effect and retained limit":"A098. PASS-07 concerns positive payment history, not ordinary negative entries, scores as an independent commercial product, SCR, protest, Cadin or court data.","Primary source and pinpoint":"S001 arts. 1–2; scope hold."},"coordinator_verification_status":"not_yet_checked","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"claim_id":"C_BR-P07-C002","area_numbers":[98],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"C_BR-P07-C002","Area; atomic proposition, predicate, act/effect and retained limit":"A098. Lei 12.414 covers positive history for natural and legal persons.","Primary source and pinpoint":"S001 arts. 1–2. \nPlanalto"},"coordinator_verification_status":"not_yet_checked","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"claim_id":"C_BR-P07-C003","area_numbers":[98],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"C_BR-P07-C003","Area; atomic proposition, predicate, act/effect and retained limit":"A098. Public-law databases maintained by domestic public-law entities are governed by specific legislation.","Primary source and pinpoint":"S001 art. 1 sole paragraph. \nPlanalto"},"coordinator_verification_status":"not_yet_checked","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"claim_id":"C_BR-P07-C004","area_numbers":[97],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"C_BR-P07-C004","Area; atomic proposition, predicate, act/effect and retained limit":"A097. A banco de dados is a dataset used to support credit, deferred sales or other financial-risk transactions.","Primary source and pinpoint":"S001 art. 2(I). \nPlanalto"},"coordinator_verification_status":"not_yet_checked","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"claim_id":"C_BR-P07-C005","area_numbers":[97],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"C_BR-P07-C005","Area; atomic proposition, predicate, act/effect and retained limit":"A097. A gestor is a qualifying legal person administering collection, storage, analysis and third-party access.","Primary source and pinpoint":"S001 art. 2(II). \nPlanalto"},"coordinator_verification_status":"not_yet_checked","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"claim_id":"C_BR-P07-C006","area_numbers":[98],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"C_BR-P07-C006","Area; atomic proposition, predicate, act/effect and retained limit":"A098. A cadastrado is a natural or legal person whose information has been included.","Primary source and pinpoint":"S001 art. 2(III). \nPlanalto"},"coordinator_verification_status":"not_yet_checked","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"claim_id":"C_BR-P07-C007","area_numbers":[97],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"C_BR-P07-C007","Area; atomic proposition, predicate, act/effect and retained limit":"A097. A fonte includes credit/deferred-sale actors, BCB-authorized institutions and listed continuous-service providers.","Primary source and pinpoint":"S001 art. 2(IV). \nPlanalto"},"coordinator_verification_status":"not_yet_checked","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"claim_id":"C_BR-P07-C008","area_numbers":[97],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"C_BR-P07-C008","Area; atomic proposition, predicate, act/effect and retained limit":"A097. A consulente is a natural or legal person accessing data for a legally permitted purpose.","Primary source and pinpoint":"S001 art. 2(V). \nPlanalto"},"coordinator_verification_status":"not_yet_checked","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"claim_id":"C_BR-P07-C009","area_numbers":[98],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"C_BR-P07-C009","Area; atomic proposition, predicate, act/effect and retained limit":"A098. Histórico de crédito comprises financial/payment data for paid or current credit operations and obligations.","Primary source and pinpoint":"S001 art. 2(VII). \nPlanalto"},"coordinator_verification_status":"not_yet_checked","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"claim_id":"C_BR-P07-C010","area_numbers":[98],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"C_BR-P07-C010","Area; atomic proposition, predicate, act/effect and retained limit":"A098. A score is a derived output and is distinct from disclosure of the complete history.","Primary source and pinpoint":"S001 art. 4(IV)(a)–(b). \nPlanalto"},"coordinator_verification_status":"not_yet_checked","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"claim_id":"C_BR-P07-C011","area_numbers":[98],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"C_BR-P07-C011","Area; atomic proposition, predicate, act/effect and retained limit":"A098. Stored data must be objective, clear, true, understandable and necessary.","Primary source and pinpoint":"S001 art. 3 §§1–2. \nPlanalto"},"coordinator_verification_status":"not_yet_checked","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"claim_id":"C_BR-P07-C012","area_numbers":[98],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"C_BR-P07-C012","Area; atomic proposition, predicate, act/effect and retained limit":"A098. Excessive information unrelated to credit-risk analysis is prohibited.","Primary source and pinpoint":"S001 art. 3 §3(I). \nPlanalto"},"coordinator_verification_status":"not_yet_checked","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"claim_id":"C_BR-P07-C013","area_numbers":[98],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"C_BR-P07-C013","Area; atomic proposition, predicate, act/effect and retained limit":"A098. Specified sensitive information is prohibited.","Primary source and pinpoint":"S001 art. 3 §3(II). \nPlanalto"},"coordinator_verification_status":"not_yet_checked","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"claim_id":"C_BR-P07-C014","area_numbers":[97],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"C_BR-P07-C014","Area; atomic proposition, predicate, act/effect and retained limit":"A097. Water, sewer, electricity, gas, telecommunications and analogous continuous-service providers may be sources.","Primary source and pinpoint":"S001 art. 2(IV). \nPlanalto"},"coordinator_verification_status":"not_yet_checked","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"claim_id":"C_BR-P07-C015","area_numbers":[98],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"C_BR-P07-C015","Area; atomic proposition, predicate, act/effect and retained limit":"A098. Regulated positive-history fields include origination, value, due dates and full or partial payments.","Primary source and pinpoint":"S003 arts. 3–4; S004 arts. 2–3. \nPlanalto\n+2"},"coordinator_verification_status":"not_yet_checked","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"claim_id":"C_BR-P07-C016","area_numbers":[98],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"C_BR-P07-C016","Area; atomic proposition, predicate, act/effect and retained limit":"A098. The operating layout may include source and registered-person identification/contact fields.","Primary source and pinpoint":"S003 art. 17. \nPlanalto"},"coordinator_verification_status":"not_yet_checked","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"claim_id":"C_BR-P07-C017","area_numbers":[98],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"C_BR-P07-C017","Area; atomic proposition, predicate, act/effect and retained limit":"A098. The reviewed regime does not authorize unrelated bank balances, itemized purchases or general asset data.","Primary source and pinpoint":"S001 arts. 2–3; S007 art. 1 §3(VII); bounded textual conclusion."},"coordinator_verification_status":"not_yet_checked","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"claim_id":"C_BR-P07-C018","area_numbers":[97],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"C_BR-P07-C018","Area; atomic proposition, predicate, act/effect and retained limit":"A097. Manager-level capital, security and governance requirements are not a SettleADebt adviser licence.","Primary source and pinpoint":"S003 art. 2; S001 art. 12 §7. \nPlanalto\n+1"},"coordinator_verification_status":"not_yet_checked","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"claim_id":"C_BR-P07-C019","area_numbers":[98],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"C_BR-P07-C019","Area; atomic proposition, predicate, act/effect and retained limit":"A098. The original 2011 opening model required prior informed consent.","Primary source and pinpoint":"Historical S001 art. 4 text; S011. \nPlanalto\n+1"},"coordinator_verification_status":"not_yet_checked","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"claim_id":"C_BR-P07-C020","area_numbers":[98],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"C_BR-P07-C020","Area; atomic proposition, predicate, act/effect and retained limit":"A098. LC 166 replaced the opening model, with most substantive changes effective July 9, 2019.","Primary source and pinpoint":"S002 arts. 2, 7. \nPlanalto\n+1"},"coordinator_verification_status":"not_yet_checked","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"claim_id":"C_BR-P07-C021","area_numbers":[97],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"C_BR-P07-C021","Area; atomic proposition, predicate, act/effect and retained limit":"A097. Current law permits a manager to open a positive record without prior opt-in.","Primary source and pinpoint":"S001 art. 4(I). \nPlanalto"},"coordinator_verification_status":"not_yet_checked","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"claim_id":"C_BR-P07-C022","area_numbers":[98],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"C_BR-P07-C022","Area; atomic proposition, predicate, act/effect and retained limit":"A098. Opening communication must occur without cost within 30 days.","Primary source and pinpoint":"S001 art. 4 §4(I). \nPlanalto"},"coordinator_verification_status":"not_yet_checked","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"claim_id":"C_BR-P07-C023","area_numbers":[97],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"C_BR-P07-C023","Area; atomic proposition, predicate, act/effect and retained limit":"A097. Notice is made by the manager directly or through a source and must identify cancellation channels.","Primary source and pinpoint":"S001 art. 4 §4(II)–(III). \nPlanalto"},"coordinator_verification_status":"not_yet_checked","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"claim_id":"C_BR-P07-C024","area_numbers":[98],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"C_BR-P07-C024","Area; atomic proposition, predicate, act/effect and retained limit":"A098. Notice is excused if the person already has a positive record open at another database.","Primary source and pinpoint":"S001 art. 4 §5. \nPlanalto"},"coordinator_verification_status":"not_yet_checked","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"claim_id":"C_BR-P07-C025","area_numbers":[98],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"C_BR-P07-C025","Area; atomic proposition, predicate, act/effect and retained limit":"A098. Notice uses personal contact data supplied by the person to a source.","Primary source and pinpoint":"S001 art. 4 §6. \nPlanalto"},"coordinator_verification_status":"not_yet_checked","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"claim_id":"C_BR-P07-C026","area_numbers":[98],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"C_BR-P07-C026","Area; atomic proposition, predicate, act/effect and retained limit":"A098. Data may be furnished to consultants only 60 days after opening.","Primary source and pinpoint":"S001 art. 4 §7. \nPlanalto"},"coordinator_verification_status":"not_yet_checked","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"claim_id":"C_BR-P07-C027","area_numbers":[98],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"C_BR-P07-C027","Area; atomic proposition, predicate, act/effect and retained limit":"A098. Score availability and full-history disclosure are legally distinct.","Primary source and pinpoint":"S001 art. 4(IV)(a)–(b). \nPlanalto"},"coordinator_verification_status":"not_yet_checked","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"claim_id":"C_BR-P07-C028","area_numbers":[98],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"C_BR-P07-C028","Area; atomic proposition, predicate, act/effect and retained limit":"A098. Full-history disclosure requires prior specific authorization.","Primary source and pinpoint":"S001 art. 4(IV)(b); S003 art. 7. \nPlanalto\n+1"},"coordinator_verification_status":"not_yet_checked","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"claim_id":"C_BR-P07-C029","area_numbers":[97],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"C_BR-P07-C029","Area; atomic proposition, predicate, act/effect and retained limit":"A097. The manager must be able to prove authorization authenticity and validity.","Primary source and pinpoint":"S001 art. 4 §8. \nPlanalto"},"coordinator_verification_status":"not_yet_checked","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"claim_id":"C_BR-P07-C030","area_numbers":[98],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"C_BR-P07-C030","Area; atomic proposition, predicate, act/effect and retained limit":"A098. Authorization may cover one access or a fixed permitted period.","Primary source and pinpoint":"S003 art. 8 §1. \nPlanalto"},"coordinator_verification_status":"not_yet_checked","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"claim_id":"C_BR-P07-C031","area_numbers":[98],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"C_BR-P07-C031","Area; atomic proposition, predicate, act/effect and retained limit":"A098. Natural-person fixed authorization may last no more than three months.","Primary source and pinpoint":"S003 art. 8 §1(II)(a). \nPlanalto"},"coordinator_verification_status":"not_yet_checked","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"claim_id":"C_BR-P07-C032","area_numbers":[98],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"C_BR-P07-C032","Area; atomic proposition, predicate, act/effect and retained limit":"A098. Legal-person fixed authorization may last no more than 12 months.","Primary source and pinpoint":"S003 art. 8 §1(II)(b). \nPlanalto"},"coordinator_verification_status":"not_yet_checked","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"claim_id":"C_BR-P07-C033","area_numbers":[98],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"C_BR-P07-C033","Area; atomic proposition, predicate, act/effect and retained limit":"A098. A BCB-authorized institution may receive indefinite authorization only while its contractual relationship continues.","Primary source and pinpoint":"S003 art. 8 §2. \nPlanalto"},"coordinator_verification_status":"not_yet_checked","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"claim_id":"C_BR-P07-C034","area_numbers":[98],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"C_BR-P07-C034","Area; atomic proposition, predicate, act/effect and retained limit":"A098. Fixed or indefinite full-history authorization may be revoked at any time.","Primary source and pinpoint":"S003 art. 8 §3. \nPlanalto"},"coordinator_verification_status":"not_yet_checked","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"claim_id":"C_BR-P07-C035","area_numbers":[97],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"C_BR-P07-C035","Area; atomic proposition, predicate, act/effect and retained limit":"A097. A consultant must maintain or intend a commercial or credit relationship and use data for a permitted financial-risk purpose.","Primary source and pinpoint":"S001 arts. 7, 15; S003 art. 9. \nPlanalto\n+1"},"coordinator_verification_status":"not_yet_checked","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"claim_id":"C_BR-P07-C036","area_numbers":[97],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"C_BR-P07-C036","Area; atomic proposition, predicate, act/effect and retained limit":"A097. Manager-to-manager sharing is permitted, with receiving and originating managers retaining update/correction duties.","Primary source and pinpoint":"S001 arts. 4(III), 9. \nPlanalto"},"coordinator_verification_status":"not_yet_checked","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"claim_id":"C_BR-P07-C037","area_numbers":[98],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"C_BR-P07-C037","Area; atomic proposition, predicate, act/effect and retained limit":"A098. Cancellation and reopening are free rights available on request.","Primary source and pinpoint":"S001 art. 5(I), §§4–5. \nPlanalto"},"coordinator_verification_status":"not_yet_checked","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"claim_id":"C_BR-P07-C038","area_numbers":[98],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"C_BR-P07-C038","Area; atomic proposition, predicate, act/effect and retained limit":"A098. A request may be made to any manager by telephone, physical or electronic means.","Primary source and pinpoint":"S001 art. 5 §5. \nPlanalto"},"coordinator_verification_status":"not_yet_checked","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"claim_id":"C_BR-P07-C039","area_numbers":[97],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"C_BR-P07-C039","Area; atomic proposition, predicate, act/effect and retained limit":"A097. The receiving manager and downstream managers each have a two-business-day statutory workflow.","Primary source and pinpoint":"S001 art. 5 §6. \nPlanalto"},"coordinator_verification_status":"not_yet_checked","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"claim_id":"C_BR-P07-C040","area_numbers":[98],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"C_BR-P07-C040","Area; atomic proposition, predicate, act/effect and retained limit":"A098. A prior expressed wish not to open a record requires automatic cancellation.","Primary source and pinpoint":"S001 art. 5 §7. \nPlanalto"},"coordinator_verification_status":"not_yet_checked","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"claim_id":"C_BR-P07-C041","area_numbers":[98],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"C_BR-P07-C041","Area; atomic proposition, predicate, act/effect and retained limit":"A098. Cancellation prevents use of history for statutory purposes, including use in third-party scores.","Primary source and pinpoint":"S001 art. 5 §8. \nPlanalto"},"coordinator_verification_status":"not_yet_checked","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"claim_id":"C_BR-P07-C042","area_numbers":[98],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"C_BR-P07-C042","Area; atomic proposition, predicate, act/effect and retained limit":"A098. Partial deletion is unavailable except for improperly recorded information.","Primary source and pinpoint":"S003 art. 14 §1. \nPlanalto"},"coordinator_verification_status":"not_yet_checked","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"claim_id":"C_BR-P07-C043","area_numbers":[97],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"C_BR-P07-C043","Area; atomic proposition, predicate, act/effect and retained limit":"A097. No new positive annotations may be made after two business days from cancellation request.","Primary source and pinpoint":"S003 art. 14 §2. \nPlanalto"},"coordinator_verification_status":"not_yet_checked","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"claim_id":"C_BR-P07-C044","area_numbers":[98],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"C_BR-P07-C044","Area; atomic proposition, predicate, act/effect and retained limit":"A098. Score-access suspension is distinct from full cancellation.","Primary source and pinpoint":"S003 art. 13. \nPlanalto"},"coordinator_verification_status":"not_yet_checked","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"claim_id":"C_BR-P07-C045","area_numbers":[98],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"C_BR-P07-C045","Area; atomic proposition, predicate, act/effect and retained limit":"A098. The person retains access to their own score during third-party score suspension.","Primary source and pinpoint":"S003 art. 13 §2. \nPlanalto"},"coordinator_verification_status":"not_yet_checked","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"claim_id":"C_BR-P07-C046","area_numbers":[98],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"C_BR-P07-C046","Area; atomic proposition, predicate, act/effect and retained limit":"A098. The read provisions do not expressly settle whether reopening requires a new 30-day notice.","Primary source and pinpoint":"Bounded source gap; no affirmative rule inferred."},"coordinator_verification_status":"not_yet_checked","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"claim_id":"C_BR-P07-C047","area_numbers":[98],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"C_BR-P07-C047","Area; atomic proposition, predicate, act/effect and retained limit":"A098. Positive payment information may not remain for more than 15 years.","Primary source and pinpoint":"S001 art. 14. \nPlanalto"},"coordinator_verification_status":"not_yet_checked","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"claim_id":"C_BR-P07-C048","area_numbers":[97],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"C_BR-P07-C048","Area; atomic proposition, predicate, act/effect and retained limit":"A097. Authorization/cancellation/correction audit records may be kept at least 15 years from cancellation.","Primary source and pinpoint":"S003 arts. 10(VIII), 12. \nPlanalto"},"coordinator_verification_status":"not_yet_checked","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"claim_id":"C_BR-P07-C049","area_numbers":[98],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"C_BR-P07-C049","Area; atomic proposition, predicate, act/effect and retained limit":"A098. The person has free, justification-free access to their information, history and score.","Primary source and pinpoint":"S001 art. 5(II). \nPlanalto"},"coordinator_verification_status":"not_yet_checked","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"claim_id":"C_BR-P07-C050","area_numbers":[98],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"C_BR-P07-C050","Area; atomic proposition, predicate, act/effect and retained limit":"A098. Access includes sources, shared managers and consultants that accessed information during the preceding six months.","Primary source and pinpoint":"S001 art. 6; S003 art. 10(V). \nPlanalto\n+1"},"coordinator_verification_status":"not_yet_checked","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"claim_id":"C_BR-P07-C051","area_numbers":[98],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"C_BR-P07-C051","Area; atomic proposition, predicate, act/effect and retained limit":"A098. Several access and criteria disclosures have a 10-day statutory period.","Primary source and pinpoint":"S001 art. 5 §3 and art. 6 §2. \nPlanalto\n+1"},"coordinator_verification_status":"not_yet_checked","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"claim_id":"C_BR-P07-C052","area_numbers":[98],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"C_BR-P07-C052","Area; atomic proposition, predicate, act/effect and retained limit":"A098. Erroneous information must be corrected or cancelled in all shared databases within 10 days.","Primary source and pinpoint":"S001 art. 5(III). \nPlanalto"},"coordinator_verification_status":"not_yet_checked","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"claim_id":"C_BR-P07-C053","area_numbers":[97],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"C_BR-P07-C053","Area; atomic proposition, predicate, act/effect and retained limit":"A097. The source must verify and confirm or correct challenged information within two business days.","Primary source and pinpoint":"S001 art. 8(III). \nPlanalto"},"coordinator_verification_status":"not_yet_checked","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"claim_id":"C_BR-P07-C054","area_numbers":[97],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"C_BR-P07-C054","Area; atomic proposition, predicate, act/effect and retained limit":"A097. A source must update or correct information sent to managers within 10 days.","Primary source and pinpoint":"S001 art. 8(IV). \nPlanalto"},"coordinator_verification_status":"not_yet_checked","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"claim_id":"C_BR-P07-C055","area_numbers":[97],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"C_BR-P07-C055","Area; atomic proposition, predicate, act/effect and retained limit":"A097. A receiving manager assumes challenge/correction duties, and the originating manager must keep shared information updated.","Primary source and pinpoint":"S001 art. 9 §§1–2. \nPlanalto"},"coordinator_verification_status":"not_yet_checked","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"claim_id":"C_BR-P07-C056","area_numbers":[98],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"C_BR-P07-C056","Area; atomic proposition, predicate, act/effect and retained limit":"A098. The person may know principal score elements and criteria, subject to trade secrecy.","Primary source and pinpoint":"S001 art. 5(IV). \nPlanalto"},"coordinator_verification_status":"not_yet_checked","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"claim_id":"C_BR-P07-C057","area_numbers":[98],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"C_BR-P07-C057","Area; atomic proposition, predicate, act/effect and retained limit":"A098. Score criteria may not use unrelated, specified sensitive or prohibited third-party/right-exercise data.","Primary source and pinpoint":"S001 art. 7-A. \nPlanalto"},"coordinator_verification_status":"not_yet_checked","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"claim_id":"C_BR-P07-C058","area_numbers":[97],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"C_BR-P07-C058","Area; atomic proposition, predicate, act/effect and retained limit":"A097. A manager must publish a clear and accessible data-collection/use policy for credit-risk analysis.","Primary source and pinpoint":"S001 art. 7-A §1. \nPlanalto"},"coordinator_verification_status":"not_yet_checked","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"claim_id":"C_BR-P07-C059","area_numbers":[98],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"C_BR-P07-C059","Area; atomic proposition, predicate, act/effect and retained limit":"A098. Each response must show last update; the person may see sources, but consultants may not receive individual-source identities.","Primary source and pinpoint":"S003 arts. 10(I),(V), 11. \nPlanalto"},"coordinator_verification_status":"not_yet_checked","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"claim_id":"C_BR-P07-C060","area_numbers":[98],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"C_BR-P07-C060","Area; atomic proposition, predicate, act/effect and retained limit":"A098. A consultant must return an automated-decision review result within seven business days.","Primary source and pinpoint":"S001 art. 5(VI); S003 art. 19. \nPlanalto"},"coordinator_verification_status":"not_yet_checked","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"claim_id":"C_BR-P07-C061","area_numbers":[98],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"C_BR-P07-C061","Area; atomic proposition, predicate, act/effect and retained limit":"A098. Access, correction and review rights do not guarantee score increase, credit approval or a rate.","Primary source and pinpoint":"Negative consequence bounded by S001 arts. 5, 7, 7-A."},"coordinator_verification_status":"not_yet_checked","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"claim_id":"C_BR-P07-C062","area_numbers":[98],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"C_BR-P07-C062","Area; atomic proposition, predicate, act/effect and retained limit":"A098. LGPD personal-data rights attach to natural persons; Lei 12.414 separately protects legal persons.","Primary source and pinpoint":"S008 arts. 1, 5, 17; S001 art. 1. \nPlanalto\n+2"},"coordinator_verification_status":"not_yet_checked","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"claim_id":"C_BR-P07-C063","area_numbers":[98],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"C_BR-P07-C063","Area; atomic proposition, predicate, act/effect and retained limit":"A098. LGPD territorial applicability depends on art. 3’s processing and offering/data-collection nexus.","Primary source and pinpoint":"S008 art. 3. \nPlanalto"},"coordinator_verification_status":"not_yet_checked","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"claim_id":"C_BR-P07-C064","area_numbers":[97],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"C_BR-P07-C064","Area; atomic proposition, predicate, act/effect and retained limit":"A097. Credit protection is an LGPD legal basis, but it does not displace specific full-history authorization rules.","Primary source and pinpoint":"S008 art. 7(X), §6; S001 art. 4(IV)(b). \nPlanalto\n+1"},"coordinator_verification_status":"not_yet_checked","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"claim_id":"C_BR-P07-C065","area_numbers":[98],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"C_BR-P07-C065","Area; atomic proposition, predicate, act/effect and retained limit":"A098. Natural persons have LGPD access, correction and automated-review rights in addition to sector-specific rights.","Primary source and pinpoint":"S008 arts. 18–20; complete LGPD module held. \nPlanalto\n+1"},"coordinator_verification_status":"not_yet_checked","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"claim_id":"C_BR-P07-C066","area_numbers":[97],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"C_BR-P07-C066","Area; atomic proposition, predicate, act/effect and retained limit":"A097. Covered financial-institution information may go only to BCB-registered managers.","Primary source and pinpoint":"S001 art. 12; S004 arts. 1–5. \nPlanalto\n+2"},"coordinator_verification_status":"not_yet_checked","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"claim_id":"C_BR-P07-C067","area_numbers":[97],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"C_BR-P07-C067","Area; atomic proposition, predicate, act/effect and retained limit":"A097. Resolução 4.737 specifies covered operations and reporting fields, including partial payments.","Primary source and pinpoint":"S004 arts. 2–3, printed pp.1–2, indices 0–1. \nBanco Central do Brasil Normativos\n+1"},"coordinator_verification_status":"not_yet_checked","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"claim_id":"C_BR-P07-C068","area_numbers":[97],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"C_BR-P07-C068","Area; atomic proposition, predicate, act/effect and retained limit":"A097. Banco Central manager registration does not make the manager a financial institution or grant an adviser licence.","Primary source and pinpoint":"S001 art. 12 §7; S004 scope. \nPlanalto\n+1"},"coordinator_verification_status":"not_yet_checked","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"claim_id":"C_BR-P07-C069","area_numbers":[97],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"C_BR-P07-C069","Area; atomic proposition, predicate, act/effect and retained limit":"A097. LC 105 permits the defined positive-history transfer without creating a general bank-data exception.","Primary source and pinpoint":"S007 art. 1 §3(VII). \nPlanalto"},"coordinator_verification_status":"not_yet_checked","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"claim_id":"C_BR-P07-C070","area_numbers":[98],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"C_BR-P07-C070","Area; atomic proposition, predicate, act/effect and retained limit":"A098. Detailed current Resolução BCB 14 registration procedure remains unread because the official dynamic body returned no substantive text.","Primary source and pinpoint":"S006; explicit source-access limit."},"coordinator_verification_status":"not_yet_checked","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"claim_id":"C_BR-P07-C071","area_numbers":[98],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"C_BR-P07-C071","Area; atomic proposition, predicate, act/effect and retained limit":"A098. Currentness includes LC 166, Decreto 9.936 and Resolução 4.737 as amended effective April 1, 2022; later exhaustive citator remains held.","Primary source and pinpoint":"S001–S005."},"coordinator_verification_status":"not_yet_checked","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"claim_id":"C_BR-P07-C072","area_numbers":[98],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"C_BR-P07-C072","Area; atomic proposition, predicate, act/effect and retained limit":"A098. No actual person, company, score, history, source, consultant, manager or registration record was searched.","Primary source and pinpoint":"Research boundary."},"coordinator_verification_status":"not_yet_checked","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}}],"sources":[{"source_id":"C_BR-P07-S001","urls":["https://www.planalto.gov.br/ccivil_03/_ato2011-2014/2011/lei/l12414.htm"],"researcher_record":{"Source ID":"C_BR-P07-S001","Issuer, title and complete literal URL":"Presidência da República, Lei nº 12.414, de 9 de junho de 2011, compiled. https://www.planalto.gov.br/ccivil_03/_ato2011-2014/2011/lei/l12414.htm","Pinpoints, publication/commencement, pages and limits":"FRESH-READ—OPERATIVE. Arts. 1–9, 12–18; especially arts. 2–8, 12, 14–17. Original law effective on publication under art. 18; current text contains LC 166 amendments and shows historical struck text. HTML; printed page and PDF index N/A. Full remedies/case citator not completed. \nPlanalto\n+3"},"coordinator_verification_status":"not_yet_checked","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"source_id":"C_BR-S002","urls":["https://www.planalto.gov.br/ccivil_03/leis/lcp/lcp166.htm"],"researcher_record":{"Source ID":"S002","Issuer, title and complete literal URL":"Presidência da República, Lei Complementar nº 166, de 8 de abril de 2019. https://www.planalto.gov.br/ccivil_03/leis/lcp/lcp166.htm","Pinpoints, publication/commencement, pages and limits":"FRESH-READ—AMENDMENT. Arts. 1–7, especially art. 2 amendments and art. 7 commencement. DOU April 9, 2019. Selected provisions effective on publication; other substantive amendments after 91 days, July 9, 2019. HTML; printed page/PDF index N/A. \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_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"source_id":"C_BR-S003","urls":["https://www.planalto.gov.br/ccivil_03/_ato2019-2022/2019/decreto/d9936.htm"],"researcher_record":{"Source ID":"S003","Issuer, title and complete literal URL":"Presidência da República, Decreto nº 9.936, de 24 de julho de 2019. https://www.planalto.gov.br/ccivil_03/_ato2019-2022/2019/decreto/d9936.htm","Pinpoints, publication/commencement, pages and limits":"FRESH-READ—OPERATIVE. Arts. 1–23 and annex; materially arts. 2–17, 19, 22–23. Published DOU July 25, 2019; art. 23 effective on publication; rectified August 1, 2019. HTML; printed page/PDF index N/A. Security-incident branch not substantively completed. \nPlanalto\n+5"},"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_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"source_id":"C_BR-S004","urls":["https://normativos.bcb.gov.br/Lists/Normativos/Attachments/50808/Res_4737_v2_P.pdf"],"researcher_record":{"Source ID":"S004","Issuer, title and complete literal URL":"Conselho Monetário Nacional / Banco Central do Brasil, Resolução nº 4.737, de 29 de julho de 2019, current consolidated PDF. https://normativos.bcb.gov.br/Lists/Normativos/Attachments/50808/Res_4737_v2_P.pdf","Pinpoints, publication/commencement, pages and limits":"FRESH-READ—OPERATIVE PDF. Arts. 1–3: printed p.1, zero-based index 0; arts. 3–6: printed p.2, index 1; arts. 12–14: printed p.7, index 6; arts. 14–19: printed p.8, index 7. Original DOU July 31, 2019, Section 1, p.58; art. 19 effective on publication. Consolidation shows Resolução CMN 4.990 changes effective April 1, 2022. \nBanco Central do Brasil Normativos\n+3"},"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_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"source_id":"C_BR-S005","urls":["https://www.bcb.gov.br/estabilidadefinanceira/exibenormativo?numero=4990&tipo=Resolu%C3%A7%C3%A3o+CMN"],"researcher_record":{"Source ID":"S005","Issuer, title and complete literal URL":"Banco Central do Brasil, Resolução CMN nº 4.990, de 24 de março de 2022, dynamic normative page. https://www.bcb.gov.br/estabilidadefinanceira/exibenormativo?numero=4990&tipo=Resolu%C3%A7%C3%A3o+CMN","Pinpoints, publication/commencement, pages and limits":"INDEX/FAILED BODY. Public dynamic page returned no substantive text. The actual amendment wording/effective date is visible in S004’s official consolidated 4.737 PDF; an official preparatory vote was discovery only and is not treated as the enacted rule. HTML dynamic page; printed page/PDF index N/A. \nBanco Central do Brasil\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_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"source_id":"C_BR-S006","urls":["https://www.bcb.gov.br/estabilidadefinanceira/exibenormativo?numero=14&tipo=Resolu%C3%A7%C3%A3o+BCB"],"researcher_record":{"Source ID":"S006","Issuer, title and complete literal URL":"Banco Central do Brasil, Resolução BCB nº 14, de 9 de setembro de 2020, dynamic normative page. https://www.bcb.gov.br/estabilidadefinanceira/exibenormativo?numero=14&tipo=Resolu%C3%A7%C3%A3o+BCB","Pinpoints, publication/commencement, pages and limits":"INDEX/FAILED BODY. Official dynamic page did not return substantive provisions. Official BCB material identifies it as the procedural rule for manager registration. No detailed current form, filing or procedural claim is adopted. HTML; printed page/PDF index N/A. \nBanco Central do Brasil\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_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"source_id":"C_BR-S007","urls":["https://www.planalto.gov.br/ccivil_03/leis/lcp/lcp105.htm"],"researcher_record":{"Source ID":"S007","Issuer, title and complete literal URL":"Presidência da República, Lei Complementar nº 105, de 10 de janeiro de 2001, compiled. https://www.planalto.gov.br/ccivil_03/leis/lcp/lcp105.htm","Pinpoints, publication/commencement, pages and limits":"FRESH-READ—LIMITED. Art. 1 §3(VII) and related bank-secrecy context. The positive-history exception was added by LC 166/2019. HTML; printed page/PDF index N/A. No general bank-secrecy module completed. \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_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"source_id":"C_BR-S008","urls":["https://www.planalto.gov.br/ccivil_03/_ato2015-2018/2018/lei/l13709compilado.htm"],"researcher_record":{"Source ID":"S008","Issuer, title and complete literal URL":"Presidência da República, Lei nº 13.709/2018 — LGPD, compiled. https://www.planalto.gov.br/ccivil_03/_ato2015-2018/2018/lei/l13709compilado.htm","Pinpoints, publication/commencement, pages and limits":"FRESH-READ—LIMITED CROSSOVER. Arts. 1, 3, 5–9 and 17–20. Current compiled text read only for natural-person scope, territorial nexus, principles, credit-protection basis, access/correction and automated decisions. HTML; printed page/PDF index N/A. Full LGPD module deferred. \nPlanalto\n+4"},"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_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"source_id":"C_BR-S009","urls":["https://www.planalto.gov.br/ccivil_03/leis/l8078compilado.htm","https://www.planalto.gov.br/ccivil_03/leis/l8078compilado.htm?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S009","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","Pinpoints, publication/commencement, pages and limits":"FRESH-READ—LIMITED. Arts. 2–3 only, for consumer/supplier definitions and the credit-service overlay. HTML; printed page/PDF index N/A. Negative-register art. 43 doctrine was not rerun. \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_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"source_id":"C_BR-S010","urls":["https://www.planalto.gov.br/ccivil_03/leis/2002/l10406compilada.htm"],"researcher_record":{"Source ID":"S010","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","Pinpoints, publication/commencement, pages and limits":"FRESH-READ—TIMING ONLY. Art. 132 caput and §§1–4. Used only for fictional deadline arithmetic. HTML; printed page/PDF index N/A. No PASS-05 prescription conclusions adopted. \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_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"source_id":"C_BR-S011","urls":["https://www.planalto.gov.br/ccivil_03/_ato2011-2014/2012/decreto/d7829.htm"],"researcher_record":{"Source ID":"S011","Issuer, title and complete literal URL":"Presidência da República, Decreto nº 7.829, de 17 de outubro de 2012. https://www.planalto.gov.br/ccivil_03/_ato2011-2014/2012/decreto/d7829.htm","Pinpoints, publication/commencement, pages and limits":"HISTORICAL—REVOKED. Official page identifies revocation by Decreto 9.936/2019. Read only to preserve the original opt-in regulatory history. HTML; printed page/PDF index N/A. \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_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}}],"coverage":[{"topic":"P07-G01 Positive-history scope","researcher_record":{"#":"P07-G01","Required subquestion":"Positive-history scope","Finding / claims":"C001, C009","Status and exact next action":"Answered narrowly. Verify actual dataset before applying."},"raw_table_index":7,"coordinator_acceptance":"scoped_supported_or_hold_with_prior_information_audit_clock_repairs_pending","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"topic":"G02 Natural person","researcher_record":{"#":"G02","Required subquestion":"Natural person","Finding / claims":"C002, C062","Status and exact next action":"Answered gateway. Obtain actual data and actor roles."},"raw_table_index":7,"coordinator_acceptance":"scoped_supported_or_hold_with_prior_information_audit_clock_repairs_pending","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"topic":"G03 Legal person","researcher_record":{"#":"G03","Required subquestion":"Legal person","Finding / claims":"C002, C032, C062","Status and exact next action":"Answered gateway. Separate corporate and personal data."},"raw_table_index":7,"coordinator_acceptance":"scoped_supported_or_hold_with_prior_information_audit_clock_repairs_pending","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"topic":"G04 Consumer status","researcher_record":{"#":"G04","Required subquestion":"Consumer status","Finding / claims":"C002; CDC overlay held","Status and exact next action":"Conditional. Apply CDC only after final-recipient classification."},"raw_table_index":7,"coordinator_acceptance":"scoped_supported_or_hold_with_prior_information_audit_clock_repairs_pending","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"topic":"G05 Public-law database","researcher_record":{"#":"G05","Required subquestion":"Public-law database","Finding / claims":"C003","Status and exact next action":"Excluded. Identify specific public register law."},"raw_table_index":7,"coordinator_acceptance":"scoped_supported_or_hold_with_prior_information_audit_clock_repairs_pending","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"topic":"G06 Foreign/remote nexus","researcher_record":{"#":"G06","Required subquestion":"Foreign/remote nexus","Finding / claims":"C063","Status and exact next action":"Held. Determine processing, offering and collection locations."},"raw_table_index":7,"coordinator_acceptance":"scoped_supported_or_hold_with_prior_information_audit_clock_repairs_pending","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"topic":"G07 Database definition","researcher_record":{"#":"G07","Required subquestion":"Database definition","Finding / claims":"C004","Status and exact next action":"Answered. Confirm financial-risk purpose."},"raw_table_index":7,"coordinator_acceptance":"scoped_supported_or_hold_with_prior_information_audit_clock_repairs_pending","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"topic":"G08 Manager","researcher_record":{"#":"G08","Required subquestion":"Manager","Finding / claims":"C005, C018","Status and exact next action":"Answered category. Verify actual operating role."},"raw_table_index":7,"coordinator_acceptance":"scoped_supported_or_hold_with_prior_information_audit_clock_repairs_pending","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"topic":"G09 Registered person","researcher_record":{"#":"G09","Required subquestion":"Registered person","Finding / claims":"C006","Status and exact next action":"Answered. Establish identity and record."},"raw_table_index":7,"coordinator_acceptance":"scoped_supported_or_hold_with_prior_information_audit_clock_repairs_pending","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"topic":"G10 Source","researcher_record":{"#":"G10","Required subquestion":"Source","Finding / claims":"C007, C014","Status and exact next action":"Answered. Identify exact source and transaction."},"raw_table_index":7,"coordinator_acceptance":"scoped_supported_or_hold_with_prior_information_audit_clock_repairs_pending","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"topic":"G11 Consultant","researcher_record":{"#":"G11","Required subquestion":"Consultant","Finding / claims":"C008, C035","Status and exact next action":"Answered. Verify relationship and purpose."},"raw_table_index":7,"coordinator_acceptance":"scoped_supported_or_hold_with_prior_information_audit_clock_repairs_pending","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"topic":"G12 Representative","researcher_record":{"#":"G12","Required subquestion":"Representative","Finding / claims":"C065, C072","Status and exact next action":"Conditional. Obtain mandate and authentication."},"raw_table_index":7,"coordinator_acceptance":"scoped_supported_or_hold_with_prior_information_audit_clock_repairs_pending","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"topic":"G13 Credit history","researcher_record":{"#":"G13","Required subquestion":"Credit history","Finding / claims":"C009","Status and exact next action":"Answered definition. Map actual fields."},"raw_table_index":7,"coordinator_acceptance":"scoped_supported_or_hold_with_prior_information_audit_clock_repairs_pending","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"topic":"G14 Score distinction","researcher_record":{"#":"G14","Required subquestion":"Score distinction","Finding / claims":"C010, C027","Status and exact next action":"Answered. Do not treat score as full history."},"raw_table_index":7,"coordinator_acceptance":"scoped_supported_or_hold_with_prior_information_audit_clock_repairs_pending","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"topic":"G15 Negative entry","researcher_record":{"#":"G15","Required subquestion":"Negative entry","Finding / claims":"C001","Status and exact next action":"Deferred. P06 remains unreviewed and unadopted."},"raw_table_index":7,"coordinator_acceptance":"scoped_supported_or_hold_with_prior_information_audit_clock_repairs_pending","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"topic":"G16 SCR","researcher_record":{"#":"G16","Required subquestion":"SCR","Finding / claims":"C001","Status and exact next action":"Deferred. Read BCB/SCR rules separately."},"raw_table_index":7,"coordinator_acceptance":"scoped_supported_or_hold_with_prior_information_audit_clock_repairs_pending","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"topic":"G17 Protest/Cadin/court data","researcher_record":{"#":"G17","Required subquestion":"Protest/Cadin/court data","Finding / claims":"C001, C003","Status and exact next action":"Deferred. Apply specific regimes separately."},"raw_table_index":7,"coordinator_acceptance":"scoped_supported_or_hold_with_prior_information_audit_clock_repairs_pending","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"topic":"G18 Objective/clear/true data","researcher_record":{"#":"G18","Required subquestion":"Objective/clear/true data","Finding / claims":"C011","Status and exact next action":"Answered standard. Audit actual fields."},"raw_table_index":7,"coordinator_acceptance":"scoped_supported_or_hold_with_prior_information_audit_clock_repairs_pending","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"topic":"G19 Excessive data","researcher_record":{"#":"G19","Required subquestion":"Excessive data","Finding / claims":"C012","Status and exact next action":"Prohibited. Test necessity to credit risk."},"raw_table_index":7,"coordinator_acceptance":"scoped_supported_or_hold_with_prior_information_audit_clock_repairs_pending","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"topic":"G20 Sensitive data","researcher_record":{"#":"G20","Required subquestion":"Sensitive data","Finding / claims":"C013, C057","Status and exact next action":"Prohibited categories identified. Full LGPD sensitivity held."},"raw_table_index":7,"coordinator_acceptance":"scoped_supported_or_hold_with_prior_information_audit_clock_repairs_pending","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"topic":"G21 Utility source","researcher_record":{"#":"G21","Required subquestion":"Utility source","Finding / claims":"C014","Status and exact next action":"Answered gateway. Identify service and payment fields."},"raw_table_index":7,"coordinator_acceptance":"scoped_supported_or_hold_with_prior_information_audit_clock_repairs_pending","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"topic":"G22 Financial source","researcher_record":{"#":"G22","Required subquestion":"Financial source","Finding / claims":"C066–C069","Status and exact next action":"Conditional. Verify BCB registration and operation type."},"raw_table_index":7,"coordinator_acceptance":"scoped_supported_or_hold_with_prior_information_audit_clock_repairs_pending","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"topic":"G23 Partial-payment data","researcher_record":{"#":"G23","Required subquestion":"Partial-payment data","Finding / claims":"C015, C067","Status and exact next action":"Permitted field. Verify amount/date accuracy."},"raw_table_index":7,"coordinator_acceptance":"scoped_supported_or_hold_with_prior_information_audit_clock_repairs_pending","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"topic":"G24 Identity/contact fields","researcher_record":{"#":"G24","Required subquestion":"Identity/contact fields","Finding / claims":"C016","Status and exact next action":"Permitted operational layout. Check necessity and accuracy."},"raw_table_index":7,"coordinator_acceptance":"scoped_supported_or_hold_with_prior_information_audit_clock_repairs_pending","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"topic":"G25 Account balances/itemized purchases","researcher_record":{"#":"G25","Required subquestion":"Account balances/itemized purchases","Finding / claims":"C017","Status and exact next action":"No general authority established. Identify separate legal basis if claimed."},"raw_table_index":7,"coordinator_acceptance":"scoped_supported_or_hold_with_prior_information_audit_clock_repairs_pending","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"topic":"G26 Manager capital/governance","researcher_record":{"#":"G26","Required subquestion":"Manager capital/governance","Finding / claims":"C018","Status and exact next action":"Manager-only. Do not turn into adviser licence or consumer fee."},"raw_table_index":7,"coordinator_acceptance":"scoped_supported_or_hold_with_prior_information_audit_clock_repairs_pending","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"topic":"G27 Original opt-in rule","researcher_record":{"#":"G27","Required subquestion":"Original opt-in rule","Finding / claims":"C019","Status and exact next action":"Historical. Do not publish as current."},"raw_table_index":7,"coordinator_acceptance":"scoped_supported_or_hold_with_prior_information_audit_clock_repairs_pending","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"topic":"G28 Current opt-out rule","researcher_record":{"#":"G28","Required subquestion":"Current opt-out rule","Finding / claims":"C020–C021","Status and exact next action":"Answered. Effective July 9, 2019."},"raw_table_index":7,"coordinator_acceptance":"scoped_supported_or_hold_with_prior_information_audit_clock_repairs_pending","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"topic":"G29 Opening without consent","researcher_record":{"#":"G29","Required subquestion":"Opening without consent","Finding / claims":"C021","Status and exact next action":"Permitted conditionally. Other safeguards still apply."},"raw_table_index":7,"coordinator_acceptance":"scoped_supported_or_hold_with_prior_information_audit_clock_repairs_pending","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"topic":"G30 Opening notice period","researcher_record":{"#":"G30","Required subquestion":"Opening notice period","Finding / claims":"C022","Status and exact next action":"Thirty days. Obtain exact opening date."},"raw_table_index":7,"coordinator_acceptance":"scoped_supported_or_hold_with_prior_information_audit_clock_repairs_pending","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"topic":"G31 Notice cost","researcher_record":{"#":"G31","Required subquestion":"Notice cost","Finding / claims":"C022","Status and exact next action":"No cost."},"raw_table_index":7,"coordinator_acceptance":"scoped_supported_or_hold_with_prior_information_audit_clock_repairs_pending","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"topic":"G32 Notice actor","researcher_record":{"#":"G32","Required subquestion":"Notice actor","Finding / claims":"C023","Status and exact next action":"Manager directly or through source."},"raw_table_index":7,"coordinator_acceptance":"scoped_supported_or_hold_with_prior_information_audit_clock_repairs_pending","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"topic":"G33 Notice content","researcher_record":{"#":"G33","Required subquestion":"Notice content","Finding / claims":"C023","Status and exact next action":"Cancellation channels required. Inspect actual communication."},"raw_table_index":7,"coordinator_acceptance":"scoped_supported_or_hold_with_prior_information_audit_clock_repairs_pending","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"topic":"G34 Notice medium","researcher_record":{"#":"G34","Required subquestion":"Notice medium","Finding / claims":"C025","Status and exact next action":"No exclusive method established. Verify contact-data origin and proof."},"raw_table_index":7,"coordinator_acceptance":"scoped_supported_or_hold_with_prior_information_audit_clock_repairs_pending","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"topic":"G35 Existing-record exception","researcher_record":{"#":"G35","Required subquestion":"Existing-record exception","Finding / claims":"C024","Status and exact next action":"Conditional exception. Prove another record was open."},"raw_table_index":7,"coordinator_acceptance":"scoped_supported_or_hold_with_prior_information_audit_clock_repairs_pending","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"topic":"G36 Prior opt-out","researcher_record":{"#":"G36","Required subquestion":"Prior opt-out","Finding / claims":"C040","Status and exact next action":"Automatic cancellation required. Prove earlier expression."},"raw_table_index":7,"coordinator_acceptance":"scoped_supported_or_hold_with_prior_information_audit_clock_repairs_pending","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"topic":"G37 Sixty-day consultation delay","researcher_record":{"#":"G37","Required subquestion":"Sixty-day consultation delay","Finding / claims":"C026","Status and exact next action":"Answered. Obtain exact opening timestamp."},"raw_table_index":7,"coordinator_acceptance":"scoped_supported_or_hold_with_prior_information_audit_clock_repairs_pending","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"topic":"G38 Score consultation","researcher_record":{"#":"G38","Required subquestion":"Score consultation","Finding / claims":"C027, C035","Status and exact next action":"Conditional. Apply purpose, relationship, 60 days and suspension."},"raw_table_index":7,"coordinator_acceptance":"scoped_supported_or_hold_with_prior_information_audit_clock_repairs_pending","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"topic":"G39 Full-history consultation","researcher_record":{"#":"G39","Required subquestion":"Full-history consultation","Finding / claims":"C028–C035","Status and exact next action":"Specific authorization required."},"raw_table_index":7,"coordinator_acceptance":"scoped_supported_or_hold_with_prior_information_audit_clock_repairs_pending","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"topic":"G40 Authorization authenticity","researcher_record":{"#":"G40","Required subquestion":"Authorization authenticity","Finding / claims":"C029","Status and exact next action":"Manager proof required. Obtain authorization record."},"raw_table_index":7,"coordinator_acceptance":"scoped_supported_or_hold_with_prior_information_audit_clock_repairs_pending","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"topic":"G41 One-time authorization","researcher_record":{"#":"G41","Required subquestion":"One-time authorization","Finding / claims":"C030","Status and exact next action":"Permitted. Identify consultant and access."},"raw_table_index":7,"coordinator_acceptance":"scoped_supported_or_hold_with_prior_information_audit_clock_repairs_pending","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"topic":"G42 Natural-person duration","researcher_record":{"#":"G42","Required subquestion":"Natural-person duration","Finding / claims":"C031","Status and exact next action":"Maximum three months."},"raw_table_index":7,"coordinator_acceptance":"scoped_supported_or_hold_with_prior_information_audit_clock_repairs_pending","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"topic":"G43 Legal-person duration","researcher_record":{"#":"G43","Required subquestion":"Legal-person duration","Finding / claims":"C032","Status and exact next action":"Maximum 12 months."},"raw_table_index":7,"coordinator_acceptance":"scoped_supported_or_hold_with_prior_information_audit_clock_repairs_pending","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"topic":"G44 BCB institution indefinite duration","researcher_record":{"#":"G44","Required subquestion":"BCB institution indefinite duration","Finding / claims":"C033","Status and exact next action":"Only during contractual relationship."},"raw_table_index":7,"coordinator_acceptance":"scoped_supported_or_hold_with_prior_information_audit_clock_repairs_pending","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"topic":"G45 Authorization revocation","researcher_record":{"#":"G45","Required subquestion":"Authorization revocation","Finding / claims":"C034","Status and exact next action":"Available anytime. Verify manager receipt."},"raw_table_index":7,"coordinator_acceptance":"scoped_supported_or_hold_with_prior_information_audit_clock_repairs_pending","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"topic":"G46 Consultant relationship","researcher_record":{"#":"G46","Required subquestion":"Consultant relationship","Finding / claims":"C035","Status and exact next action":"Actual/intended commercial or credit relationship required."},"raw_table_index":7,"coordinator_acceptance":"scoped_supported_or_hold_with_prior_information_audit_clock_repairs_pending","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"topic":"G47 Permitted purpose","researcher_record":{"#":"G47","Required subquestion":"Permitted purpose","Finding / claims":"C035","Status and exact next action":"Credit-risk or financial-risk transaction only."},"raw_table_index":7,"coordinator_acceptance":"scoped_supported_or_hold_with_prior_information_audit_clock_repairs_pending","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"topic":"G48 Manager-to-manager sharing","researcher_record":{"#":"G48","Required subquestion":"Manager-to-manager sharing","Finding / claims":"C036","Status and exact next action":"Permitted with retained duties."},"raw_table_index":7,"coordinator_acceptance":"scoped_supported_or_hold_with_prior_information_audit_clock_repairs_pending","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"topic":"G49 Financial-origin sharing","researcher_record":{"#":"G49","Required subquestion":"Financial-origin sharing","Finding / claims":"C066","Status and exact next action":"Registered managers only."},"raw_table_index":7,"coordinator_acceptance":"scoped_supported_or_hold_with_prior_information_audit_clock_repairs_pending","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"topic":"G50 Cancellation free","researcher_record":{"#":"G50","Required subquestion":"Cancellation free","Finding / claims":"C037","Status and exact next action":"Answered."},"raw_table_index":7,"coordinator_acceptance":"scoped_supported_or_hold_with_prior_information_audit_clock_repairs_pending","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"topic":"G51 Reopening free","researcher_record":{"#":"G51","Required subquestion":"Reopening free","Finding / claims":"C037","Status and exact next action":"Answered."},"raw_table_index":7,"coordinator_acceptance":"scoped_supported_or_hold_with_prior_information_audit_clock_repairs_pending","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"topic":"G52 Request to any manager","researcher_record":{"#":"G52","Required subquestion":"Request to any manager","Finding / claims":"C038","Status and exact next action":"Answered."},"raw_table_index":7,"coordinator_acceptance":"scoped_supported_or_hold_with_prior_information_audit_clock_repairs_pending","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"topic":"G53 Telephone/physical/electronic channel","researcher_record":{"#":"G53","Required subquestion":"Telephone/physical/electronic channel","Finding / claims":"C038","Status and exact next action":"Answered."},"raw_table_index":7,"coordinator_acceptance":"scoped_supported_or_hold_with_prior_information_audit_clock_repairs_pending","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"topic":"G54 Receiving-manager deadline","researcher_record":{"#":"G54","Required subquestion":"Receiving-manager deadline","Finding / claims":"C039","Status and exact next action":"Two business days. Verify holidays/receipt."},"raw_table_index":7,"coordinator_acceptance":"scoped_supported_or_hold_with_prior_information_audit_clock_repairs_pending","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"topic":"G55 Downstream-manager deadline","researcher_record":{"#":"G55","Required subquestion":"Downstream-manager deadline","Finding / claims":"C039","Status and exact next action":"Two business days from downstream receipt."},"raw_table_index":7,"coordinator_acceptance":"scoped_supported_or_hold_with_prior_information_audit_clock_repairs_pending","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"topic":"G56 Cancellation effect","researcher_record":{"#":"G56","Required subquestion":"Cancellation effect","Finding / claims":"C041","Status and exact next action":"Statutory use stops. Other regimes unaffected."},"raw_table_index":7,"coordinator_acceptance":"scoped_supported_or_hold_with_prior_information_audit_clock_repairs_pending","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"topic":"G57 Partial deletion","researcher_record":{"#":"G57","Required subquestion":"Partial deletion","Finding / claims":"C042","Status and exact next action":"Only for improperly recorded data."},"raw_table_index":7,"coordinator_acceptance":"scoped_supported_or_hold_with_prior_information_audit_clock_repairs_pending","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"topic":"G58 New annotations after cancellation","researcher_record":{"#":"G58","Required subquestion":"New annotations after cancellation","Finding / claims":"C043","Status and exact next action":"Stop after two business days."},"raw_table_index":7,"coordinator_acceptance":"scoped_supported_or_hold_with_prior_information_audit_clock_repairs_pending","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"topic":"G59 Audit retention after cancellation","researcher_record":{"#":"G59","Required subquestion":"Audit retention after cancellation","Finding / claims":"C048","Status and exact next action":"At least 15 years. No continued consultant use implied."},"raw_table_index":7,"coordinator_acceptance":"scoped_supported_or_hold_with_prior_information_audit_clock_repairs_pending","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"topic":"G60 Reopening re-notice","researcher_record":{"#":"G60","Required subquestion":"Reopening re-notice","Finding / claims":"C046","Status and exact next action":"Unresolved. Locate current authoritative rule before publication."},"raw_table_index":7,"coordinator_acceptance":"scoped_supported_or_hold_with_prior_information_audit_clock_repairs_pending","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"topic":"G61 Score-access suspension","researcher_record":{"#":"G61","Required subquestion":"Score-access suspension","Finding / claims":"C044","Status and exact next action":"Distinct right."},"raw_table_index":7,"coordinator_acceptance":"scoped_supported_or_hold_with_prior_information_audit_clock_repairs_pending","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"topic":"G62 Own score during suspension","researcher_record":{"#":"G62","Required subquestion":"Own score during suspension","Finding / claims":"C045","Status and exact next action":"Access retained."},"raw_table_index":7,"coordinator_acceptance":"scoped_supported_or_hold_with_prior_information_audit_clock_repairs_pending","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"topic":"G63 Positive-data maximum","researcher_record":{"#":"G63","Required subquestion":"Positive-data maximum","Finding / claims":"C047","Status and exact next action":"Fifteen years. Establish datum-level start."},"raw_table_index":7,"coordinator_acceptance":"scoped_supported_or_hold_with_prior_information_audit_clock_repairs_pending","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"topic":"G64 Free access","researcher_record":{"#":"G64","Required subquestion":"Free access","Finding / claims":"C049","Status and exact next action":"Answered."},"raw_table_index":7,"coordinator_acceptance":"scoped_supported_or_hold_with_prior_information_audit_clock_repairs_pending","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"topic":"G65 No justification required","researcher_record":{"#":"G65","Required subquestion":"No justification required","Finding / claims":"C049","Status and exact next action":"Answered."},"raw_table_index":7,"coordinator_acceptance":"scoped_supported_or_hold_with_prior_information_audit_clock_repairs_pending","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"topic":"G66 Information/history/score access","researcher_record":{"#":"G66","Required subquestion":"Information/history/score access","Finding / claims":"C049","Status and exact next action":"Answered."},"raw_table_index":7,"coordinator_acceptance":"scoped_supported_or_hold_with_prior_information_audit_clock_repairs_pending","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"topic":"G67 Sources and contact details","researcher_record":{"#":"G67","Required subquestion":"Sources and contact details","Finding / claims":"C050","Status and exact next action":"Accessible to registered person."},"raw_table_index":7,"coordinator_acceptance":"scoped_supported_or_hold_with_prior_information_audit_clock_repairs_pending","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"topic":"G68 Shared managers","researcher_record":{"#":"G68","Required subquestion":"Shared managers","Finding / claims":"C050","Status and exact next action":"Accessible."},"raw_table_index":7,"coordinator_acceptance":"scoped_supported_or_hold_with_prior_information_audit_clock_repairs_pending","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"topic":"G69 Prior six-month consultants","researcher_record":{"#":"G69","Required subquestion":"Prior six-month consultants","Finding / claims":"C050","Status and exact next action":"Accessible."},"raw_table_index":7,"coordinator_acceptance":"scoped_supported_or_hold_with_prior_information_audit_clock_repairs_pending","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"topic":"G70 Access response periods","researcher_record":{"#":"G70","Required subquestion":"Access response periods","Finding / claims":"C051","Status and exact next action":"Multiple 10-day categories. Do not promise universal instant delivery."},"raw_table_index":7,"coordinator_acceptance":"scoped_supported_or_hold_with_prior_information_audit_clock_repairs_pending","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"topic":"G71 Correction across all databases","researcher_record":{"#":"G71","Required subquestion":"Correction across all databases","Finding / claims":"C052, C055","Status and exact next action":"Within 10 days. Identify shared chain."},"raw_table_index":7,"coordinator_acceptance":"scoped_supported_or_hold_with_prior_information_audit_clock_repairs_pending","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"topic":"G72 Source verification","researcher_record":{"#":"G72","Required subquestion":"Source verification","Finding / claims":"C053","Status and exact next action":"Two business days."},"raw_table_index":7,"coordinator_acceptance":"scoped_supported_or_hold_with_prior_information_audit_clock_repairs_pending","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"topic":"G73 Source update","researcher_record":{"#":"G73","Required subquestion":"Source update","Finding / claims":"C054","Status and exact next action":"Within 10 days."},"raw_table_index":7,"coordinator_acceptance":"scoped_supported_or_hold_with_prior_information_audit_clock_repairs_pending","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"topic":"G74 Score criteria","researcher_record":{"#":"G74","Required subquestion":"Score criteria","Finding / claims":"C056","Status and exact next action":"Principal elements available; trade secrets preserved."},"raw_table_index":7,"coordinator_acceptance":"scoped_supported_or_hold_with_prior_information_audit_clock_repairs_pending","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"topic":"G75 Prohibited score inputs","researcher_record":{"#":"G75","Required subquestion":"Prohibited score inputs","Finding / claims":"C057","Status and exact next action":"Answered categories. Audit actual model separately."},"raw_table_index":7,"coordinator_acceptance":"scoped_supported_or_hold_with_prior_information_audit_clock_repairs_pending","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"topic":"G76 Published data-use policy","researcher_record":{"#":"G76","Required subquestion":"Published data-use policy","Finding / claims":"C058","Status and exact next action":"Required. No actual manager policy reviewed."},"raw_table_index":7,"coordinator_acceptance":"scoped_supported_or_hold_with_prior_information_audit_clock_repairs_pending","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"topic":"G77 Last-update timestamp","researcher_record":{"#":"G77","Required subquestion":"Last-update timestamp","Finding / claims":"C059","Status and exact next action":"Required in consultation response."},"raw_table_index":7,"coordinator_acceptance":"scoped_supported_or_hold_with_prior_information_audit_clock_repairs_pending","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"topic":"G78 Source identity asymmetry","researcher_record":{"#":"G78","Required subquestion":"Source identity asymmetry","Finding / claims":"C059","Status and exact next action":"Person sees sources; consultant does not."},"raw_table_index":7,"coordinator_acceptance":"scoped_supported_or_hold_with_prior_information_audit_clock_repairs_pending","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"topic":"G79 Automated review","researcher_record":{"#":"G79","Required subquestion":"Automated review","Finding / claims":"C060","Status and exact next action":"Seven-business-day result. Verify exclusively automated predicate."},"raw_table_index":7,"coordinator_acceptance":"scoped_supported_or_hold_with_prior_information_audit_clock_repairs_pending","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"topic":"G80 Score or approval guarantee","researcher_record":{"#":"G80","Required subquestion":"Score or approval guarantee","Finding / claims":"C061","Status and exact next action":"None established."},"raw_table_index":7,"coordinator_acceptance":"scoped_supported_or_hold_with_prior_information_audit_clock_repairs_pending","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"topic":"G81 LGPD natural-person scope","researcher_record":{"#":"G81","Required subquestion":"LGPD natural-person scope","Finding / claims":"C062","Status and exact next action":"Limited crossover only."},"raw_table_index":7,"coordinator_acceptance":"scoped_supported_or_hold_with_prior_information_audit_clock_repairs_pending","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"topic":"G82 LGPD territorial nexus","researcher_record":{"#":"G82","Required subquestion":"LGPD territorial nexus","Finding / claims":"C063","Status and exact next action":"Conditional."},"raw_table_index":7,"coordinator_acceptance":"scoped_supported_or_hold_with_prior_information_audit_clock_repairs_pending","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"topic":"G83 Credit-protection legal basis","researcher_record":{"#":"G83","Required subquestion":"Credit-protection legal basis","Finding / claims":"C064","Status and exact next action":"Does not override specific authorization."},"raw_table_index":7,"coordinator_acceptance":"scoped_supported_or_hold_with_prior_information_audit_clock_repairs_pending","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"topic":"G84 LGPD access/correction/review","researcher_record":{"#":"G84","Required subquestion":"LGPD access/correction/review","Finding / claims":"C065","Status and exact next action":"Limited confirmation. Full module deferred."},"raw_table_index":7,"coordinator_acceptance":"scoped_supported_or_hold_with_prior_information_audit_clock_repairs_pending","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"topic":"G85 Financial manager registration","researcher_record":{"#":"G85","Required subquestion":"Financial manager registration","Finding / claims":"C066–C068","Status and exact next action":"Gateway identified. No registrant lookup."},"raw_table_index":7,"coordinator_acceptance":"scoped_supported_or_hold_with_prior_information_audit_clock_repairs_pending","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"topic":"G86 Bank-secrecy exception","researcher_record":{"#":"G86","Required subquestion":"Bank-secrecy exception","Finding / claims":"C069","Status and exact next action":"Narrow data category only."},"raw_table_index":7,"coordinator_acceptance":"scoped_supported_or_hold_with_prior_information_audit_clock_repairs_pending","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"topic":"G87 Detailed BCB registration procedure","researcher_record":{"#":"G87","Required subquestion":"Detailed BCB registration procedure","Finding / claims":"C070","Status and exact next action":"Unresolved body. Obtain readable current Resolução BCB 14."},"raw_table_index":7,"coordinator_acceptance":"scoped_supported_or_hold_with_prior_information_audit_clock_repairs_pending","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"topic":"G88 Currentness, P01 disposition and real-record acceptance","researcher_record":{"#":"G88","Required subquestion":"Currentness, P01 disposition and real-record acceptance","Finding / claims":"C071–C072","Status and exact next action":"HOLD. Recheck law and obtain actual data only under future authority."},"raw_table_index":7,"coordinator_acceptance":"scoped_supported_or_hold_with_prior_information_audit_clock_repairs_pending","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"topic":"P07-D01 Ordinary negative credit-register entries","researcher_record":{"#":"P07-D01","Deferred family":"Ordinary negative credit-register entries","Exact remaining action":"Preserve P06 as unreviewed; conduct separate accepted review before use."},"raw_table_index":8,"coordinator_acceptance":"scoped_supported_or_hold_with_prior_information_audit_clock_repairs_pending","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"topic":"D02 Full LGPD legal bases and controller/operator allocation","researcher_record":{"#":"D02","Deferred family":"Full LGPD legal bases and controller/operator allocation","Exact remaining action":"Read complete current statute, regulations and actual data flow."},"raw_table_index":8,"coordinator_acceptance":"scoped_supported_or_hold_with_prior_information_audit_clock_repairs_pending","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"topic":"D03 LGPD international transfer and foreign controller","researcher_record":{"#":"D03","Deferred family":"LGPD international transfer and foreign controller","Exact remaining action":"Determine location, transfer mechanism and current ANPD rules."},"raw_table_index":8,"coordinator_acceptance":"scoped_supported_or_hold_with_prior_information_audit_clock_repairs_pending","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"topic":"D04 LGPD retention and deletion outside Lei 12.414","researcher_record":{"#":"D04","Deferred family":"LGPD retention and deletion outside Lei 12.414","Exact remaining action":"Classify each purpose and statutory retention duty."},"raw_table_index":8,"coordinator_acceptance":"scoped_supported_or_hold_with_prior_information_audit_clock_repairs_pending","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"topic":"D05 Biometrics, children’s data and sensitive-data processing","researcher_record":{"#":"D05","Deferred family":"Biometrics, children’s data and sensitive-data processing","Exact remaining action":"Read specific LGPD rules and actual dataset."},"raw_table_index":8,"coordinator_acceptance":"scoped_supported_or_hold_with_prior_information_audit_clock_repairs_pending","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"topic":"D06 Security incidents and breach notification","researcher_record":{"#":"D06","Deferred family":"Security incidents and breach notification","Exact remaining action":"Decreto 9.936 art. 18 noted but full current LGPD/ANPD regime deferred."},"raw_table_index":8,"coordinator_acceptance":"scoped_supported_or_hold_with_prior_information_audit_clock_repairs_pending","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"topic":"D07 LGPD sanctions, private actions and damages","researcher_record":{"#":"D07","Deferred family":"LGPD sanctions, private actions and damages","Exact remaining action":"Full remedial and current case-law review required."},"raw_table_index":8,"coordinator_acceptance":"scoped_supported_or_hold_with_prior_information_audit_clock_repairs_pending","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"topic":"D08 Actual proprietary score model","researcher_record":{"#":"D08","Deferred family":"Actual proprietary score model","Exact remaining action":"Obtain actual criteria, edition, inputs and model governance under authority."},"raw_table_index":8,"coordinator_acceptance":"scoped_supported_or_hold_with_prior_information_audit_clock_repairs_pending","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"topic":"D09 Commercial scoring products outside Cadastro Positivo","researcher_record":{"#":"D09","Deferred family":"Commercial scoring products outside Cadastro Positivo","Exact remaining action":"Classify separately from the statutory positive register."},"raw_table_index":8,"coordinator_acceptance":"scoped_supported_or_hold_with_prior_information_audit_clock_repairs_pending","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"topic":"D10 Cadastro Positivo remedies and complete judicial citator","researcher_record":{"#":"D10","Deferred family":"Cadastro Positivo remedies and complete judicial citator","Exact remaining action":"Research current precedent, proof, causation and remedies separately."},"raw_table_index":8,"coordinator_acceptance":"scoped_supported_or_hold_with_prior_information_audit_clock_repairs_pending","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"topic":"D11 SCR / Banco Central credit reporting","researcher_record":{"#":"D11","Deferred family":"SCR / Banco Central credit reporting","Exact remaining action":"Read current BCB instruments; do not equate with Cadastro Positivo."},"raw_table_index":8,"coordinator_acceptance":"scoped_supported_or_hold_with_prior_information_audit_clock_repairs_pending","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"topic":"D12 Protest and notarial records","researcher_record":{"#":"D12","Deferred family":"Protest and notarial records","Exact remaining action":"Apply Lei 9.492 and local notarial law separately."},"raw_table_index":8,"coordinator_acceptance":"scoped_supported_or_hold_with_prior_information_audit_clock_repairs_pending","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"topic":"D13 Cadin and governmental debt registers","researcher_record":{"#":"D13","Deferred family":"Cadin and governmental debt registers","Exact remaining action":"Apply specific public-law regime."},"raw_table_index":8,"coordinator_acceptance":"scoped_supported_or_hold_with_prior_information_audit_clock_repairs_pending","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"topic":"D14 Court judgments and public judicial records","researcher_record":{"#":"D14","Deferred family":"Court judgments and public judicial records","Exact remaining action":"Apply procedural and public-record rules separately."},"raw_table_index":8,"coordinator_acceptance":"scoped_supported_or_hold_with_prior_information_audit_clock_repairs_pending","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"topic":"D15 Detailed Resolução BCB 14 registration procedure","researcher_record":{"#":"D15","Deferred family":"Detailed Resolução BCB 14 registration procedure","Exact remaining action":"Obtain readable current enacted body and current filing instructions."},"raw_table_index":8,"coordinator_acceptance":"scoped_supported_or_hold_with_prior_information_audit_clock_repairs_pending","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"topic":"D16 Actual manager registration or named registrant","researcher_record":{"#":"D16","Deferred family":"Actual manager registration or named registrant","Exact remaining action":"No lookup authorized; perform only under separate instruction."},"raw_table_index":8,"coordinator_acceptance":"scoped_supported_or_hold_with_prior_information_audit_clock_repairs_pending","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"topic":"D17 Provider professional permission","researcher_record":{"#":"D17","Deferred family":"Provider professional permission","Exact remaining action":"Preserve OAB/CRA/CORECON and other P01 holds."},"raw_table_index":8,"coordinator_acceptance":"scoped_supported_or_hold_with_prior_information_audit_clock_repairs_pending","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"topic":"D18 Adviser fees and consumer contracts","researcher_record":{"#":"D18","Deferred family":"Adviser fees and consumer contracts","Exact remaining action":"PASS-04 remains unreviewed and unadopted."},"raw_table_index":8,"coordinator_acceptance":"scoped_supported_or_hold_with_prior_information_audit_clock_repairs_pending","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"topic":"D19 Client money, payment services and safeguarding","researcher_record":{"#":"D19","Deferred family":"Client money, payment services and safeguarding","Exact remaining action":"Preserve BCB 494/payment and funds-flow holds."},"raw_table_index":8,"coordinator_acceptance":"scoped_supported_or_hold_with_prior_information_audit_clock_repairs_pending","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"topic":"D20 Current CMN 4.935 / Joint Resolution 17 correspondent regime","researcher_record":{"#":"D20","Deferred family":"Current CMN 4.935 / Joint Resolution 17 correspondent regime","Exact remaining action":"Preserve P02 partial current-source hold."},"raw_table_index":8,"coordinator_acceptance":"scoped_supported_or_hold_with_prior_information_audit_clock_repairs_pending","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"topic":"D21 Underlying debt and settlement validity","researcher_record":{"#":"D21","Deferred family":"Underlying debt and settlement validity","Exact remaining action":"Obtain actual contract, authority and settlement documents separately."},"raw_table_index":8,"coordinator_acceptance":"scoped_supported_or_hold_with_prior_information_audit_clock_repairs_pending","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"topic":"D22 Prescription and interruption","researcher_record":{"#":"D22","Deferred family":"Prescription and interruption","Exact remaining action":"PASS-05 remains unreviewed and unadopted."},"raw_table_index":8,"coordinator_acceptance":"scoped_supported_or_hold_with_prior_information_audit_clock_repairs_pending","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"topic":"D23 General collection communications and conduct","researcher_record":{"#":"D23","Deferred family":"General collection communications and conduct","Exact remaining action":"Research separately from positive payment history."},"raw_table_index":8,"coordinator_acceptance":"scoped_supported_or_hold_with_prior_information_audit_clock_repairs_pending","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"topic":"D24 Secured credit, collateral and guaranties","researcher_record":{"#":"D24","Deferred family":"Secured credit, collateral and guaranties","Exact remaining action":"Apply product and security-specific law."},"raw_table_index":8,"coordinator_acceptance":"scoped_supported_or_hold_with_prior_information_audit_clock_repairs_pending","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"topic":"D25 Tax, government, student and support claims","researcher_record":{"#":"D25","Deferred family":"Tax, government, student and support claims","Exact remaining action":"Apply specific public/program law."},"raw_table_index":8,"coordinator_acceptance":"scoped_supported_or_hold_with_prior_information_audit_clock_repairs_pending","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"topic":"D26 Insolvency, recuperação and falência","researcher_record":{"#":"D26","Deferred family":"Insolvency, recuperação and falência","Exact remaining action":"Analyze effect of the actual proceeding and plan."},"raw_table_index":8,"coordinator_acceptance":"scoped_supported_or_hold_with_prior_information_audit_clock_repairs_pending","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"topic":"D27 Sector-specific utility, telecom, insurance and lending rules","researcher_record":{"#":"D27","Deferred family":"Sector-specific utility, telecom, insurance and lending rules","Exact remaining action":"Identify source sector and read its current regulations."},"raw_table_index":8,"coordinator_acceptance":"scoped_supported_or_hold_with_prior_information_audit_clock_repairs_pending","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"topic":"D28 Tax treatment of data, settlement or write-offs","researcher_record":{"#":"D28","Deferred family":"Tax treatment of data, settlement or write-offs","Exact remaining action":"No tax conclusion from positive-history law."},"raw_table_index":8,"coordinator_acceptance":"scoped_supported_or_hold_with_prior_information_audit_clock_repairs_pending","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"topic":"D29 Complaints, Procon procedure and administrative sanctions","researcher_record":{"#":"D29","Deferred family":"Complaints, Procon procedure and administrative sanctions","Exact remaining action":"Read actual federal/state/local procedure; no complaint filed."},"raw_table_index":8,"coordinator_acceptance":"scoped_supported_or_hold_with_prior_information_audit_clock_repairs_pending","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"topic":"D30 Civil damages, causation and limitation","researcher_record":{"#":"D30","Deferred family":"Civil damages, causation and limitation","Exact remaining action":"Full remedy and current precedent review required."},"raw_table_index":8,"coordinator_acceptance":"scoped_supported_or_hold_with_prior_information_audit_clock_repairs_pending","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"topic":"D31 Representative authority and authentication standards","researcher_record":{"#":"D31","Deferred family":"Representative authority and authentication standards","Exact remaining action":"Obtain actual mandate and manager procedure."},"raw_table_index":8,"coordinator_acceptance":"scoped_supported_or_hold_with_prior_information_audit_clock_repairs_pending","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"topic":"D32 Reopening notice requirement","researcher_record":{"#":"D32","Deferred family":"Reopening notice requirement","Exact remaining action":"Locate express current authority; do not infer."},"raw_table_index":8,"coordinator_acceptance":"scoped_supported_or_hold_with_prior_information_audit_clock_repairs_pending","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"topic":"D33 State/DF/municipal implementation","researcher_record":{"#":"D33","Deferred family":"State/DF/municipal implementation","Exact remaining action":"All 27 branches remain individually deferred below."},"raw_table_index":8,"coordinator_acceptance":"scoped_supported_or_hold_with_prior_information_audit_clock_repairs_pending","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"topic":"D34 Foreign law, recognition and overseas data access","researcher_record":{"#":"D34","Deferred family":"Foreign law, recognition and overseas data access","Exact remaining action":"No foreign-law premise adopted."},"raw_table_index":8,"coordinator_acceptance":"scoped_supported_or_hold_with_prior_information_audit_clock_repairs_pending","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"topic":"D35 Actual records, reports, scores and consultant decisions","researcher_record":{"#":"D35","Deferred family":"Actual records, reports, scores and consultant decisions","Exact remaining action":"None obtained or searched."},"raw_table_index":8,"coordinator_acceptance":"scoped_supported_or_hold_with_prior_information_audit_clock_repairs_pending","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"topic":"D36 Full Brazil, A097/A098, parent-program and publication acceptance","researcher_record":{"#":"D36","Deferred family":"Full Brazil, A097/A098, parent-program and publication acceptance","Exact remaining action":"HOLD pending same-coordinator review and every outstanding branch."},"raw_table_index":8,"coordinator_acceptance":"scoped_supported_or_hold_with_prior_information_audit_clock_repairs_pending","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"topic":"Acre (AC) No local body read","researcher_record":{"State / DF":"Acre (AC)","PASS-07 status":"No local body read","Exact remaining local issue":"AC consumer authority, Procon, court procedure, accessibility and municipal implementation."},"raw_table_index":9,"coordinator_acceptance":"scoped_supported_or_hold_with_prior_information_audit_clock_repairs_pending","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"topic":"Alagoas (AL) No local body read","researcher_record":{"State / DF":"Alagoas (AL)","PASS-07 status":"No local body read","Exact remaining local issue":"AL consumer enforcement, court remedies, municipal channels and local procedure."},"raw_table_index":9,"coordinator_acceptance":"scoped_supported_or_hold_with_prior_information_audit_clock_repairs_pending","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"topic":"Amapá (AP) No local body read","researcher_record":{"State / DF":"Amapá (AP)","PASS-07 status":"No local body read","Exact remaining local issue":"AP Procon, courts, accessibility and local positive-history enforcement."},"raw_table_index":9,"coordinator_acceptance":"scoped_supported_or_hold_with_prior_information_audit_clock_repairs_pending","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"topic":"Amazonas (AM) No local body read","researcher_record":{"State / DF":"Amazonas (AM)","PASS-07 status":"No local body read","Exact remaining local issue":"AM consumer agencies, remote-access issues, courts and municipalities."},"raw_table_index":9,"coordinator_acceptance":"scoped_supported_or_hold_with_prior_information_audit_clock_repairs_pending","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"topic":"Bahia (BA) No local body read","researcher_record":{"State / DF":"Bahia (BA)","PASS-07 status":"No local body read","Exact remaining local issue":"BA Procon, court and municipal implementation."},"raw_table_index":9,"coordinator_acceptance":"scoped_supported_or_hold_with_prior_information_audit_clock_repairs_pending","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"topic":"Ceará (CE) No local body read","researcher_record":{"State / DF":"Ceará (CE)","PASS-07 status":"No local body read","Exact remaining local issue":"CE consumer enforcement, administrative procedure and courts."},"raw_table_index":9,"coordinator_acceptance":"scoped_supported_or_hold_with_prior_information_audit_clock_repairs_pending","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"topic":"Distrito Federal (DF) No local body read","researcher_record":{"State / DF":"Distrito Federal (DF)","PASS-07 status":"No local body read","Exact remaining local issue":"DF consumer authority, TJDFT, local remedies and accessibility."},"raw_table_index":9,"coordinator_acceptance":"scoped_supported_or_hold_with_prior_information_audit_clock_repairs_pending","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"topic":"Espírito Santo (ES) No local body read","researcher_record":{"State / DF":"Espírito Santo (ES)","PASS-07 status":"No local body read","Exact remaining local issue":"ES Procon, courts, municipalities and local evidence rules."},"raw_table_index":9,"coordinator_acceptance":"scoped_supported_or_hold_with_prior_information_audit_clock_repairs_pending","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"topic":"Goiás (GO) No local body read","researcher_record":{"State / DF":"Goiás (GO)","PASS-07 status":"No local body read","Exact remaining local issue":"GO consumer authorities, court procedure and municipal routes."},"raw_table_index":9,"coordinator_acceptance":"scoped_supported_or_hold_with_prior_information_audit_clock_repairs_pending","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"topic":"Maranhão (MA) No local body read","researcher_record":{"State / DF":"Maranhão (MA)","PASS-07 status":"No local body read","Exact remaining local issue":"MA Procon, courts, accessibility and local complaint procedure."},"raw_table_index":9,"coordinator_acceptance":"scoped_supported_or_hold_with_prior_information_audit_clock_repairs_pending","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"topic":"Mato Grosso (MT) No local body read","researcher_record":{"State / DF":"Mato Grosso (MT)","PASS-07 status":"No local body read","Exact remaining local issue":"MT administrative and court implementation."},"raw_table_index":9,"coordinator_acceptance":"scoped_supported_or_hold_with_prior_information_audit_clock_repairs_pending","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"topic":"Mato Grosso do Sul (MS) No local body read","researcher_record":{"State / DF":"Mato Grosso do Sul (MS)","PASS-07 status":"No local body read","Exact remaining local issue":"MS Procon, courts, border/remote issues and local procedures."},"raw_table_index":9,"coordinator_acceptance":"scoped_supported_or_hold_with_prior_information_audit_clock_repairs_pending","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"topic":"Minas Gerais (MG) No local body read","researcher_record":{"State / DF":"Minas Gerais (MG)","PASS-07 status":"No local body read","Exact remaining local issue":"MG consumer enforcement, courts and municipal implementation."},"raw_table_index":9,"coordinator_acceptance":"scoped_supported_or_hold_with_prior_information_audit_clock_repairs_pending","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"topic":"Pará (PA) No local body read","researcher_record":{"State / DF":"Pará (PA)","PASS-07 status":"No local body read","Exact remaining local issue":"PA Procon, courts, language/accessibility and municipalities."},"raw_table_index":9,"coordinator_acceptance":"scoped_supported_or_hold_with_prior_information_audit_clock_repairs_pending","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"topic":"Paraíba (PB) No local body read","researcher_record":{"State / DF":"Paraíba (PB)","PASS-07 status":"No local body read","Exact remaining local issue":"PB consumer authority, court remedies and local channels."},"raw_table_index":9,"coordinator_acceptance":"scoped_supported_or_hold_with_prior_information_audit_clock_repairs_pending","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"topic":"Paraná (PR) No local body read","researcher_record":{"State / DF":"Paraná (PR)","PASS-07 status":"No local body read","Exact remaining local issue":"PR Procon, courts and local implementation."},"raw_table_index":9,"coordinator_acceptance":"scoped_supported_or_hold_with_prior_information_audit_clock_repairs_pending","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"topic":"Pernambuco (PE) No local body read","researcher_record":{"State / DF":"Pernambuco (PE)","PASS-07 status":"No local body read","Exact remaining local issue":"PE consumer enforcement, courts and municipalities."},"raw_table_index":9,"coordinator_acceptance":"scoped_supported_or_hold_with_prior_information_audit_clock_repairs_pending","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"topic":"Piauí (PI) No local body read","researcher_record":{"State / DF":"Piauí (PI)","PASS-07 status":"No local body read","Exact remaining local issue":"PI Procon, judicial procedure and local accessibility."},"raw_table_index":9,"coordinator_acceptance":"scoped_supported_or_hold_with_prior_information_audit_clock_repairs_pending","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"topic":"Rio de Janeiro (RJ) No local body read","researcher_record":{"State / DF":"Rio de Janeiro (RJ)","PASS-07 status":"No local body read","Exact remaining local issue":"RJ consumer authority, courts and municipal procedures."},"raw_table_index":9,"coordinator_acceptance":"scoped_supported_or_hold_with_prior_information_audit_clock_repairs_pending","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"topic":"Rio Grande do Norte (RN) No local body read","researcher_record":{"State / DF":"Rio Grande do Norte (RN)","PASS-07 status":"No local body read","Exact remaining local issue":"RN Procon, courts and local remedies."},"raw_table_index":9,"coordinator_acceptance":"scoped_supported_or_hold_with_prior_information_audit_clock_repairs_pending","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"topic":"Rio Grande do Sul (RS) No local body read","researcher_record":{"State / DF":"Rio Grande do Sul (RS)","PASS-07 status":"No local body read","Exact remaining local issue":"RS consumer agencies, courts and current local interpretation."},"raw_table_index":9,"coordinator_acceptance":"scoped_supported_or_hold_with_prior_information_audit_clock_repairs_pending","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"topic":"Rondônia (RO) No local body read","researcher_record":{"State / DF":"Rondônia (RO)","PASS-07 status":"No local body read","Exact remaining local issue":"RO Procon, courts, remote access and municipalities."},"raw_table_index":9,"coordinator_acceptance":"scoped_supported_or_hold_with_prior_information_audit_clock_repairs_pending","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"topic":"Roraima (RR) No local body read","researcher_record":{"State / DF":"Roraima (RR)","PASS-07 status":"No local body read","Exact remaining local issue":"RR consumer routes, multilingual/accessibility issues and courts."},"raw_table_index":9,"coordinator_acceptance":"scoped_supported_or_hold_with_prior_information_audit_clock_repairs_pending","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"topic":"Santa Catarina (SC) No local body read","researcher_record":{"State / DF":"Santa Catarina (SC)","PASS-07 status":"No local body read","Exact remaining local issue":"SC Procon, courts and municipal implementation."},"raw_table_index":9,"coordinator_acceptance":"scoped_supported_or_hold_with_prior_information_audit_clock_repairs_pending","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"topic":"São Paulo (SP) No local PASS-07 body read","researcher_record":{"State / DF":"São Paulo (SP)","PASS-07 status":"No local PASS-07 body read","Exact remaining local issue":"SP Procon, TJSP, municipalities and local administrative procedure."},"raw_table_index":9,"coordinator_acceptance":"scoped_supported_or_hold_with_prior_information_audit_clock_repairs_pending","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"topic":"Sergipe (SE) No local body read","researcher_record":{"State / DF":"Sergipe (SE)","PASS-07 status":"No local body read","Exact remaining local issue":"SE consumer authority, courts and municipal routes."},"raw_table_index":9,"coordinator_acceptance":"scoped_supported_or_hold_with_prior_information_audit_clock_repairs_pending","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}},{"topic":"Tocantins (TO) No local body read","researcher_record":{"State / DF":"Tocantins (TO)","PASS-07 status":"No local body read","Exact remaining local issue":"TO Procon, courts, accessibility and local implementation."},"raw_table_index":9,"coordinator_acceptance":"scoped_supported_or_hold_with_prior_information_audit_clock_repairs_pending","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"scoped_two_bounded_repairs_pending","coordinator_review_scope":"Wholeanswer/all12tables;6freshselectedprimaryfamilies+2datedreuse/math;notindependent/allsource/currentconsolidationcertification.","coordinator_correction_resolution":{"at":"2026-10-27T04:55:10.336403+00:00","review":"[internal evidence reference]","status":"boundedP11P12repairsaddressedwithholds; originalresearchercellsunchanged"}}],"annotations":{},"corrections":[],"resolved_corrections":[],"review_history":[{"id":"C_BR-P07-priorinformation-audit-clock-repairs-20261027","status":"targeted_repairs_addressed_with_remaining_holds","at":"2026-10-27T04:35:55.546223+00:00"}]}