{"meta":{"key":"r003--pass-01","task":"R003","title":"A003: Federal additional-signer, spousal-signature, and cosigner-notice rules—and their limits as proof of who owes","parent_title":"Who legally owes a debt","edition":"pass-01","path":"/research/r003--pass-01/","kind":"split_pass","category":"subject","role":"primary_area","area_numbers":[3],"groups":["foundations"],"date":"2026-10-27","tables":13,"claims":66,"sources":28,"review_status":"reviewed_scoped_partial_with_holds","review_complete":true,"sha256":"a23dd6ff2643693796cf65d0580d6834d70baf2d75659b28d65797a84ad68c8d","headings":["A003: Federal additional-signer, spousal-signature, and cosigner-notice rules—and their limits as proof of who owes","1. The controlling distinction","2. Currentness and authority controls","Source table","3. Atomic claim table: ECOA coverage and the statutory/regulatory boundary","The precise guarantor question left open","4. Atomic claim table: every significant signature branch","5. Atomic claim table: FTC coverage, notice, and evidentiary limits","What the notice proves—and what it does not","6. Atomic claim table: institutional changes, guidance status, and remedies","Institution coverage must be stated conditionally","7. Complete blank generic-document liability/signature audit worksheet","8. Clearly hypothetical qualitative failure branches","9. Granular coverage table","10. Read and failure log","11. Assigned-question → source/claim crosswalk","12. Explicit self-check — not independent review","13. Remaining parent dimensions and specific holds"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"R003/pass-01","facets":{"geography":["us","us-federal"],"debt_type":[],"stage":[],"subject":["liability-signers","agreements-disclosures"]},"scope":"First focused federalRegBadditional-signature/FTCcosignernotice component, statecontractliability andparentholds retained","pending_corrections":0},"markdown":"# SettleADebt R003 PASS-01\n\n## A003: Federal additional-signer, spousal-signature, and cosigner-notice rules—and their limits as proof of who owes\n\n**Actual check date: October 27, 2026, America/Los_Angeles.** The final clock check during research was **14:11:30 PDT / 21:11:30 UTC**.\n\nThis investigation used fresh public primary-source retrieval in this regular Chat. No prior research report was supplied or reused. No institution, borrower, account, property, licensing record, or case docket was investigated. Published judicial opinions were consulted only for the narrow guarantor/applicant issue. No forms were completed, no identifiers were entered into record-search systems, and no files or external publications were created. No independently verified UI model selection or separate GPT-6 Pro run is claimed.\n\n## 1. The controlling distinction\n\nThree questions must remain separate:\n\n1. **May a covered creditor require this particular additional signature?**\n2. **Must a covered creditor deliver a cosigner notice before the proposed signer becomes obligated?**\n3. **What personal obligation, guaranty, or property exposure was actually created under the applicable agreement and law?**\n\nRegulation B primarily answers the first question. The FTC Credit Practices Rule answers the second for its covered actors and transactions. Neither supplies a complete answer to the third. In particular, Regulation B distinguishes documents needed to make collateral available from instruments imposing personal liability, and the FTC notice expressly says it is not the liability-creating contract. [Consumer Financial Protection Bureau+2](https://www.consumerfinance.gov/rules-policy/regulations/1002/7/?utm_source=chatgpt.com)\n\nThe principal results are:\n\n- A creditor generally cannot require an individually qualified applicant to add a spouse or another personal obligor. But the property, income-reliance, additional-party, business-guaranty, and special-purpose-program branches have distinct conditions.\n- A genuine joint application requires evidence of contemporaneous joint intent. Marriage, joint assets, a joint financial statement, and signatures on a later promissory note cannot simply be substituted for that evidence.\n- A covered FTC cosigner must receive the prescribed disclosure before becoming obligated. The rule includes certain additions of a cosigner in exchange for forbearance on an already-defaulted obligation.\n- The FTC rule does **not** apply identically to banks, savings institutions, federal credit unions, and other creditors. Repealed institutional rules, continuing statutory authority, and supervisory guidance must be distinguished.\n- A prohibited signature demand or defective notice does not, without further authority and facts, establish automatic cancellation, release, unenforceability, a private cause of action, or an award.\n\nThe detailed propositions, conditions, and limits follow in the claim tables.\n\n## 2. Currentness and authority controls\n\nFor all source tables below:\n\n- **D** means the actual access/check date, **2026-10-27, America/Los_Angeles**.\n- **Fresh** means read during this investigation, not imported from another chat or report.\n- A House U.S. Code compilation date is the publisher’s stated legislative cutoff. It is **not** a completed session-law lag audit.\n- A CFPB page marked current is the agency’s currently published regulation. An eCFR currency label is **not** a claim that a complete annual official CFR edition was checked.\n- PDF page indexes are **zero-based**. Printed page numbers are separately identified.\n- Repeated clauses, mirrors, or publisher copies of the same underlying document are not treated as independent corroboration.\n\nA material currentness finding is the **April 22, 2026 Regulation B final rule, effective July 21, 2026**. Its changes to special-purpose-credit-program provisions matter to this pass. Its effective-date discussion distinguishes credit extended before and on or after that effective date. I used the currently published §1002.8 rather than assuming older commentary remained unchanged. The relevant final-rule passages and amendment instructions were read; the entire 51-page preamble was not. No comprehensive judicial stay/vacatur or later-treatment audit was performed. [govinfo.gov+3](https://www.govinfo.gov/content/pkg/FR-2026-04-22/pdf/2026-07804.pdf?utm_source=chatgpt.com)\n\n### Source table\n\n| Source ID | Title / issuer and complete literal HTTPS URL(s) | Exact pinpoint and read extent | Version, status, jurisdiction, and check limits |\n| --- | --- | --- | --- |\n| **R003-P1-S001** | **15 U.S.C. §1691, Scope of prohibition — House OLRC.** [https://uscode.house.gov/us/usc/119-121/t15/s1691/](https://uscode.house.gov/us/usc/119-121/t15/s1691/?utm_source=chatgpt.com) | Necessary operative text: §1691(a), (b), and (c), including marital inquiry and special-program provisions; relevant amendment/effective-date notes. Other displayed provisions were not used for a general adverse-action survey. | **Fresh; D.** Compilation through Public Law 119-121, October 9, 2026. Federal statute; no complete post-compilation session-law audit. |\n| **R003-P1-S002** | **15 U.S.C. §1691a, Definitions; rules of construction — House OLRC.** [https://uscode.house.gov/us/usc/119-121/t15/s1691a/](https://uscode.house.gov/us/usc/119-121/t15/s1691a/?utm_source=chatgpt.com) | Complete operative subsections (a)–(g), including statutory applicant, credit, creditor, person, and regulatory-reference provisions; displayed amendment notes. | **Fresh; D.** Compilation through October 9, 2026. Statutory definition must be distinguished from the regulation’s special guarantor inclusion. |\n| **R003-P1-S003** | **15 U.S.C. §1691d, Applicability of other laws — House OLRC.** [https://uscode.house.gov/us/usc/119-124/t15/s1691d/](https://uscode.house.gov/us/usc/119-124/t15/s1691d/?utm_source=chatgpt.com) | Complete operative (a)–(g); particular reliance on lien/property signatures, state property law, narrowly framed separate-credit preemption, and state-law preservation/exemption provisions. | **Fresh; D.** Compilation through Public Law 119-124, October 15, 2026. No all-state property or remedies analysis. |\n| **R003-P1-S004** | **15 U.S.C. §1691e, Civil liability — House OLRC.** [https://uscode.house.gov/us/usc/119-124/t15/s1691e/](https://uscode.house.gov/us/usc/119-124/t15/s1691e/?utm_source=chatgpt.com) | Operative body retrieved; used principally (a), (c), and (e): aggrieved-applicant liability, court-granted equitable/declaratory relief, and good-faith conformity protection. No deadline or award calculation. | **Fresh; D.** Compilation through October 15, 2026. Does not resolve a particular guarantor’s statutory entitlement, jurisdiction, defenses, or remedy. |\n| **R003-P1-S005** | **12 C.F.R. §1002.1, Authority, scope and purpose — CFPB.** [https://www.consumerfinance.gov/rules-policy/regulations/1002/1/](https://www.consumerfinance.gov/rules-policy/regulations/1002/1/?utm_source=chatgpt.com) | Complete operative section and official comments 1(a)-1 through -3. | **Fresh; D.** Agency labels current. U.S. lending, including Puerto Rico and territories; generally excludes lending outside the U.S. Part-specific motor-vehicle-dealer exclusion is expressly distinguished from ECOA itself. |\n| **R003-P1-S006** | **12 C.F.R. §1002.2, Definitions — CFPB.** [https://www.consumerfinance.gov/rules-policy/regulations/1002/2/](https://www.consumerfinance.gov/rules-policy/regulations/1002/2/?utm_source=chatgpt.com) | Complete necessary clauses: (e)–(j), (l)–(n), (q), (u), (w), (x), (z), (aa); relevant official comments to (e), (f), (g), (j), (l), (w), and (z). | **Fresh; D.** Agency labels current. No general scoring, adverse-action, TILA, or debt-classification survey inferred from incidental displayed text. |\n| **R003-P1-S007** | **12 C.F.R. §1002.3, Limited exceptions — CFPB.** [https://www.consumerfinance.gov/rules-policy/regulations/1002/3/](https://www.consumerfinance.gov/rules-policy/regulations/1002/3/?utm_source=chatgpt.com) | Complete (a)–(d) and associated comments; especially (b)(2)(vi), (c)(2)(v), and (d)(2). | **Fresh; D.** Agency labels current. Essential limits on applying §1002.7(d) to securities, incidental, and government credit. |\n| **R003-P1-S008** | **12 C.F.R. §1002.7, Rules concerning extensions of credit — CFPB; eCFR cross-check.** [https://www.consumerfinance.gov/rules-policy/regulations/1002/7/](https://www.consumerfinance.gov/rules-policy/regulations/1002/7/?utm_source=chatgpt.com) ; [https://www.ecfr.gov/current/title-12/chapter-X/part-1002/section-1002.7](https://www.ecfr.gov/current/title-12/chapter-X/part-1002/section-1002.7?utm_source=chatgpt.com) | **Complete §7(d)(1)–(6)** and every accompanying official comment; also complete relevant §7(a), §7(c), and comments. The CFPB body is the substantive reading source. | **Fresh; D.** CFPB labels current. Initial eCFR page showed Title 12 currency through October 23, 2026; later canonical retrieval encountered an access challenge. No workaround; see failure log. |\n| **R003-P1-S009** | **12 C.F.R. §1002.6, Evaluation of applications — CFPB.** [https://www.consumerfinance.gov/rules-policy/regulations/1002/6/](https://www.consumerfinance.gov/rules-policy/regulations/1002/6/?utm_source=chatgpt.com) | §6(b)(8), relevant marital-status commentary, and §6(c), concerning equal standards and state property law. | **Fresh; D.** Agency labels current. Only provisions necessary to signature/property distinctions used. |\n| **R003-P1-S010** | **12 C.F.R. §1002.11, Relation to state law — CFPB.** [https://www.consumerfinance.gov/rules-policy/regulations/1002/11/](https://www.consumerfinance.gov/rules-policy/regulations/1002/11/?utm_source=chatgpt.com) | Complete operative section and displayed comments; relied on (a), (b), (d), and (e). | **Fresh; D.** Agency labels current. State property law remains a separate inquiry; no state-by-state preemption determination made. |\n| **R003-P1-S011** | **12 C.F.R. §1002.8, Special purpose credit programs — CFPB.** [https://www.consumerfinance.gov/rules-policy/regulations/1002/8/](https://www.consumerfinance.gov/rules-policy/regulations/1002/8/?utm_source=chatgpt.com) | Complete current operative (a)–(d) and all displayed official comments. Signature sentence in (d); program prerequisites in (a)–(b); information provision in (c). | **Fresh; D.** Agency labels current. Current 2026 program conditions used; no actual program eligibility or compliance finding. |\n| **R003-P1-S012** | **Equal Credit Opportunity Act (Regulation B), final rule — CFPB, 91 FR 21620.** [https://www.govinfo.gov/content/pkg/FR-2026-04-22/pdf/2026-07804.pdf](https://www.govinfo.gov/content/pkg/FR-2026-04-22/pdf/2026-07804.pdf?utm_source=chatgpt.com) | Printed p.21620 / index 0, summary and effective date; pp.21658–21659 / indexes 38–39, relevant §8 discussion and effective-date section; pp.21668–21670 / indexes 48–50, relevant amendment instructions and revised §8 commentary. | **Fresh; D.** Final, published April 22, 2026; stated effective July 21, 2026. Not a full 51-page read or judicial-status certification. |\n| **R003-P1-S013** | **Appendix B, Model Application Forms — CFPB.** [https://www.consumerfinance.gov/rules-policy/regulations/1002/b/](https://www.consumerfinance.gov/rules-policy/regulations/1002/b/?utm_source=chatgpt.com) ; linked Form 1 images: [https://files.consumerfinance.gov/f/images/cfpb_regulations_ER21DE11-046.original.png](https://files.consumerfinance.gov/f/images/cfpb_regulations_ER21DE11-046.original.png) and [https://files.consumerfinance.gov/f/images/cfpb_regulations_ER21DE11-047.original.png](https://files.consumerfinance.gov/f/images/cfpb_regulations_ER21DE11-047.original.png) | Complete introductory instructions 1–3 read. Image routes returned image markers, but their pixels were not available for verified visual inspection; no image-field transcription relied upon. | **Fresh; D.** Optional official models; limited inquiry-compliance effect under §1002.5(b)–(d). Worksheet below relies on operative clauses and official commentary, not unseen form pixels. |\n| **R003-P1-S014** | **12 U.S.C. §5519, motor-vehicle-dealer exclusion — House OLRC.** [https://uscode.house.gov/us/usc/119-124/t12/s5519/](https://uscode.house.gov/us/usc/119-124/t12/s5519/?utm_source=chatgpt.com) | Relevant (a)–(d), including activity-based exclusion, statutory carvebacks, preserved other-agency authority, and FTC rulemaking provision. | **Fresh; D.** Compilation through October 15, 2026. Exact classification of any dealer and complete counterpart-Regulation-B treatment remain untested. |\n| **R003-P1-S015** | **16 C.F.R. part 444, Credit Practices — FTC / eCFR.** [https://www.ecfr.gov/current/title-16/chapter-I/subchapter-D/part-444](https://www.ecfr.gov/current/title-16/chapter-I/subchapter-D/part-444?utm_source=chatgpt.com) | **Entire operative §§444.1–444.5 read**, including complete definitions, §444.3(a)–(c), complete prescribed notice, and §444.5 exemption conditions. | **Fresh; D.** eCFR Title 16 currency through October 23, 2026; source note 49 FR 7789, March 1, 1984. FTC-jurisdiction consumer transactions; no complete annual-CFR/session-history audit. |\n| **R003-P1-S016** | **Complying with the Credit Practices Rule — FTC staff business guidance.** [https://www.ftc.gov/business-guidance/resources/complying-credit-practices-rule](https://www.ftc.gov/business-guidance/resources/complying-credit-practices-rule?utm_source=chatgpt.com) | Complete page read; relied on “Introduction,” “What Transactions Are Covered,” “How Exemptions Are Granted,” and “Notice to Cosigners.” | **Fresh; D.** December 2006 booklet, edited January 2025 for penalty information. Still published; staff guidance, not amended regulatory text. Historical bank-counterpart statements are not used as current coverage proof. |\n| **R003-P1-S017** | **Cosigning a Loan FAQs — FTC Consumer Advice.** [https://consumer.ftc.gov/articles/cosigning-loan-faqs](https://consumer.ftc.gov/articles/cosigning-loan-faqs?utm_source=chatgpt.com) | Complete page read; particularly obligations, state collection sequence, real-estate-purchase notice qualification, language, copies, and release advice. | **Fresh; D.** Dated April 2024; generic advice. Broad introductory statements must be read subject to controlling actor/transaction coverage. |\n| **R003-P1-S018** | **FTC Act jurisdiction, definitions, and rulemaking provisions — House OLRC.** [https://uscode.house.gov/us/usc/119-124/t15/s44/](https://uscode.house.gov/us/usc/119-124/t15/s44/?utm_source=chatgpt.com) ; [https://uscode.house.gov/us/usc/119-121/t15/s45/](https://uscode.house.gov/us/usc/119-121/t15/s45/?utm_source=chatgpt.com) ; [https://uscode.house.gov/us/usc/119-124/t15/s57a/](https://uscode.house.gov/us/usc/119-124/t15/s57a/?utm_source=chatgpt.com) | Necessary §44 definitions; §45(a)(1)–(2); §57a(f)(1)–(4), (g)(1)–(3), and 2010 amendment/effective-date notes. | **Fresh; D.** §45 compilation through October 9; other two through October 15, 2026. Grouped statutory usage, not three independent confirmations. No actual entity classification. |\n| **R003-P1-S019** | **12 U.S.C. §§5531 and 5536 — House OLRC.** [https://uscode.house.gov/us/usc/119-121/t12/s5531/](https://uscode.house.gov/us/usc/119-121/t12/s5531/?utm_source=chatgpt.com) ; [https://uscode.house.gov/us/usc/119-121/t12/s5536/](https://uscode.house.gov/us/usc/119-121/t12/s5536/?utm_source=chatgpt.com) | Operative §5531(a)–(f) and §5536(a)–(b), including covered-person/service-provider framework, unfairness conditions, and statutory prohibitions. | **Fresh; D.** Compilation through October 9, 2026. Separate statutory UDAP/UDAAP analysis; no institution-specific enforcement finding. |\n| **R003-P1-S020** | **Unfair or Deceptive Acts or Practices (Regulation AA), final repeal — Federal Reserve, 81 FR 8133–8134.** [https://www.govinfo.gov/content/pkg/FR-2016-02-18/pdf/2016-03228.pdf](https://www.govinfo.gov/content/pkg/FR-2016-02-18/pdf/2016-03228.pdf?utm_source=chatgpt.com) | Complete relevant Federal Reserve final-rule body, printed pp.8133–8134 / indexes 0–1; neighboring agency material excluded. | **Fresh; D.** Published February 18, 2016; effective March 21, 2016. Removes former 12 C.F.R. part 227; explains statutory-authority repeal and non-transfer of that rulemaking authority. |\n| **R003-P1-S021** | **Unfair or Deceptive Acts or Practices; Technical Amendments — NCUA, final rule.** [https://www.govinfo.gov/content/pkg/FR-2014-10-03/pdf/2014-22715.pdf](https://www.govinfo.gov/content/pkg/FR-2014-10-03/pdf/2014-22715.pdf?utm_source=chatgpt.com) | Complete part-706 discussion at p.59627 / index 0; relevant procedural discussion p.59628 / index 1; operative removal instruction 3 at p.59629 / index 2. Unrelated organizational amendments not treated as fully researched. | **Fresh; D.** Effective October 3, 2014. Part 706 removed and reserved; continuing statutory authority expressly discussed. |\n| **R003-P1-S022** | **Thrift-rule history — OCC and Treasury.** OCC integration rule: [https://www.govinfo.gov/link/fr/76/49047](https://www.govinfo.gov/link/fr/76/49047?utm_source=chatgpt.com) . Treasury, *Removal of Office of Thrift Supervision Regulations*: [https://www.govinfo.gov/content/pkg/FR-2017-10-11/pdf/2017-21904.pdf](https://www.govinfo.gov/content/pkg/FR-2017-10-11/pdf/2017-21904.pdf?utm_source=chatgpt.com) | OCC: summary/effective-date material at printed p.48950 / index 0 of a 250-page PDF; not the complete republication. Treasury: complete relevant item at pp.47083–47084 / indexes 0–1, including chapter-V removal instruction. | **Fresh; D.** OCC document effective July 21, 2011. Treasury final published October 11, 2017; its printed **DATES says October 11, 2018**. No correction was verified. Treasury describes non-substantive removal of obsolete/superseded provisions. |\n| **R003-P1-S023** | **Interagency Guidance Regarding Unfair or Deceptive Credit Practices — Federal Reserve, CFPB, FDIC, NCUA, OCC.** [https://www.federalreserve.gov/frrs/guidance/interagency-guidance-regarding-unfair-or-deceptive-credit-practices.htm](https://www.federalreserve.gov/frrs/guidance/interagency-guidance-regarding-unfair-or-deceptive-credit-practices.htm?utm_source=chatgpt.com) | Complete guidance body and footnotes 1–12; especially footnote 9 on former OTS part 535 and footnote 11 on continued notice use. | **Fresh; D.** Issued August 22, 2014. Guidance status checked separately in S024–S025. Its historical future-tense repeal statements are not current-rule statements. |\n| **R003-P1-S024** | **Publisher status pages for the same joint guidance.** Federal Reserve: [https://www.federalreserve.gov/supervisionreg/caletters/caltr1405.htm](https://www.federalreserve.gov/supervisionreg/caletters/caltr1405.htm?utm_source=chatgpt.com) ; OCC: [https://www.occ.gov/news-issuances/bulletins/2014/bulletin-2014-42.html](https://www.occ.gov/news-issuances/bulletins/2014/bulletin-2014-42.html?utm_source=chatgpt.com) ; NCUA: [https://ncua.gov/regulation-supervision/letters-credit-unions-other-guidance/unfair-or-deceptive-credit-practices](https://ncua.gov/regulation-supervision/letters-credit-unions-other-guidance/unfair-or-deceptive-credit-practices?utm_source=chatgpt.com) | Relevant publisher-page bodies read. NCUA letter 14-FCU-03 explicitly displays **Active**; Fed/OCC pages remained published without an observed rescission banner. | **Fresh; D.** These are status checks of one underlying guidance document, not independent legal authorities. FDIC publisher retrieval failed; see log. |\n| **R003-P1-S025** | **Guidance and Withdrawn Guidance registers — CFPB.** [https://www.consumerfinance.gov/compliance/guidance/](https://www.consumerfinance.gov/compliance/guidance/?utm_source=chatgpt.com) ; [https://www.consumerfinance.gov/compliance/guidance/withdrawn-guidance/](https://www.consumerfinance.gov/compliance/guidance/withdrawn-guidance/?utm_source=chatgpt.com) | Current index’s 2014 credit-practices entry; withdrawal-register body checked, including relevant ECOA entries and absence of the joint credit-practices item. | **Fresh; D.** Index last modified June 15, 2026; withdrawal register July 22, 2026. Existing-credit advisory withdrawn May 12, 2025; special-purpose-program advisory withdrawn June 17, 2026. Those withdrawn advisories are not operative support here. |\n| **R003-P1-S026** | **Proposed Regulation AA status — CFPB.** Withdrawal: [https://www.govinfo.gov/content/pkg/FR-2025-05-15/pdf/2025-08645.pdf](https://www.govinfo.gov/content/pkg/FR-2025-05-15/pdf/2025-08645.pdf?utm_source=chatgpt.com) ; older proposal page: [https://www.consumerfinance.gov/rules-policy/rules-under-development/prohibited-terms-and-conditions-in-agreements-for-consumer-financial-products-or-services-regulation-aa/](https://www.consumerfinance.gov/rules-policy/rules-under-development/prohibited-terms-and-conditions-in-agreements-for-consumer-financial-products-or-services-regulation-aa/?utm_source=chatgpt.com) ; 2026 agenda: [https://www.govinfo.gov/content/pkg/FR-2026-08-14/pdf/2026-16603.pdf](https://www.govinfo.gov/content/pkg/FR-2026-08-14/pdf/2026-16603.pdf?utm_source=chatgpt.com) | Complete withdrawal item, printed p.20569 / index 0; complete older landing-page body; relevant CFPB priorities statement at printed p.52943 / index 151 of 2026 agenda. Not the entire agenda or proposal. | **Fresh; D.** Proposal withdrawn May 15, 2025; August 2026 agency statement again identifies that withdrawal. Old proposal landing page is not proof of a final/current obligation. |\n| **R003-P1-S027** | **Hawkins v. Community Bank of Raymore, 761 F.3d 937 — Eighth Circuit published opinion.** [https://www.govinfo.gov/content/pkg/USCOURTS-ca8-13-03065/pdf/USCOURTS-ca8-13-03065-0.pdf](https://www.govinfo.gov/content/pkg/USCOURTS-ca8-13-03065/pdf/USCOURTS-ca8-13-03065-0.pdf?utm_source=chatgpt.com) | **Complete majority body**, slip pp.1–8 / indexes 0–7; especially pp.3–6 and 8. Separate concurrence not relied upon as the holding. | **Fresh; D.** Filed August 5, 2014; Eighth Circuit. Published summary-judgment appellate decision. Later history checked only to S028; no comprehensive later-treatment or current circuit survey. |\n| **R003-P1-S028** | **Hawkins v. Community Bank of Raymore, 577 U.S. 495 — Supreme Court.** [https://www.govinfo.gov/content/pkg/USREPORTS-577/pdf/USREPORTS-577-495.pdf](https://www.govinfo.gov/content/pkg/USREPORTS-577/pdf/USREPORTS-577-495.pdf?utm_source=chatgpt.com) | Complete published disposition, printed p.495 / index 0. | **Fresh; D.** March 22, 2016; judgment affirmed by an equally divided Court. No reasoned Supreme Court majority resolving the statutory issue. |\n\n## 3. Atomic claim table: ECOA coverage and the statutory/regulatory boundary\n\nAll claim IDs below have the prefix **R003-P1-**. All claims are in **area A003**.\n\n**Type:** **Text** = statute/regulation; **Comment** = codified official interpretation; **Guidance** = published agency explanation; **Opinion** = published judicial holding/disposition; **Synthesis** = expressly labeled analytical conclusion; **Unknown** = an unresolved application or authority question.\n\n| Claim ID | Area / type | Precise assertion and operative conditions | Limits and exceptions | Source / exact pinpoint |\n| --- | --- | --- | --- | --- |\n| **R003-P1-C001** | A003 / Text | ECOA prohibits a creditor from discriminating against an applicant concerning any aspect of a credit transaction on the enumerated bases, including sex and marital status. | This is a credit-discrimination prohibition, not a federal determination that every spouse owes, or that every debt arrangement is covered credit. | **S001**, §1691(a). [uscode.house.gov](https://uscode.house.gov/us/usc/119-121/t15/s1691/?utm_source=chatgpt.com) |\n| **R003-P1-C002** | A003 / Text + Comment | ECOA credit concerns a right to defer payment, incur debt and defer payment, or acquire property/services and defer payment. Regulation B generally reaches personal and commercial credit; its basic credit definition does not require a finance charge or a particular installment count. | The specific §1002.3 exceptions still matter. This does not rerun TILA or FDCPA coverage. | **S002**, §1691a(d), (f); **S005**, comment 1(a)-1; **S006**, §2(g), (h), (j), comment 2(j)-1. [uscode.house.gov+1](https://uscode.house.gov/us/usc/119-121/t15/s1691a/?utm_source=chatgpt.com) |\n| **R003-P1-C003** | A003 / Text + Comment | Statutory creditor includes regular extenders, renewers, continuers, arrangers, and participating assignees. Regulation B’s operative definition includes regular participation in credit decisions, including setting terms, and participating assignees/transferees/subrogees. | The additional referral-only definition expressly applies to §4(a)–(b); it cannot automatically be carried into §7(d). The definition also limits responsibility for another creditor’s violation where there was no prior knowledge or reasonable notice, and excludes merely honoring a credit card. | **S002**, §1691a(e); **S006**, §2(l), comments 2(l)-1–2. [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/rules-policy/regulations/1002/2/?utm_source=chatgpt.com) |\n| **R003-P1-C004** | A003 / Text + Comment | A Regulation B application can be oral or written under the creditor’s actual procedures. Actual practice matters, not only the creditor’s written application policy. | Ordinary use within an existing credit limit is excluded from this application definition. This claim does not decide every inquiry/prequalification or adverse-action issue. | **S006**, §2(f), comments 2(f)-1–2. [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/rules-policy/regulations/1002/2/?utm_source=chatgpt.com) |\n| **R003-P1-C005** | A003 / Text | Statutory applicant under §1691a(b) and regulatory applicant under §1002.2(e) are not identically worded. The regulation expressly includes guarantors, sureties, endorsers, and similar parties **for §1002.7(d)**. | That express regulatory inclusion does not itself settle statutory claimant status, standing, available defenses, or a private remedy in every court. | **S002**, §1691a(b); **S006**, §2(e); **S027–S028**. [uscode.house.gov+2](https://uscode.house.gov/us/usc/119-121/t15/s1691a/?utm_source=chatgpt.com) |\n| **R003-P1-C006** | A003 / Text + Synthesis | Regulation B defines contractual liability by an express agreement to repay all debts arising on an account. | The definition does not authenticate a signature, establish authority, resolve formation, or transform an account label, access permission, or credit-report entry into that agreement. | **S006**, §2(i); **S008**, comment 7(a)-1. [Consumer Financial Protection Bureau+1](https://www.consumerfinance.gov/rules-policy/regulations/1002/2/?utm_source=chatgpt.com) |\n| **R003-P1-C007** | A003 / Text | Extensions of credit include refinancing, renewals, consolidation, additional credit, and certain continuations at or after maturity. Credit transaction includes dealings concerning existing credit as well as applications. | This broad lifecycle coverage does not make every modification a new guaranty or automatically trigger release; the particular renewal comment has its own conditions. Regulation B’s open-end definition also excludes negotiated advances under an open-end real-estate mortgage or letter of credit. | **S006**, §2(m), (q), (w), comment 2(w)-1. [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/rules-policy/regulations/1002/2/?utm_source=chatgpt.com) |\n| **R003-P1-C008** | A003 / Text + Comment | Part 1002 generally applies to U.S. lending, including Puerto Rico and U.S. territories, and excludes persons covered by the specified §1029 motor-vehicle-dealer exclusion. | That is an exclusion from **this part**, not from ECOA itself. Section 5519 contains activity-based carvebacks. Exact counterpart-Regulation-B treatment for such an actor is not completed here. | **S005**, §1(a), comments 1(a)-1–2; **S014**, §5519(a)–(d). [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/rules-policy/regulations/1002/1/?utm_source=chatgpt.com) |\n| **R003-P1-C009** | A003 / Text | Section 7(d) does not apply to securities credit as defined in §3(b)(1): credit regulated under Securities Exchange Act §7, or credit by a broker/dealer regulated as such under that Act. | This is the specified signature-rule exception, not permission for every discriminatory practice and not a ruling on an actual securities obligation. | **S007**, §3(b)(1), (b)(2)(vi). [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/rules-policy/regulations/1002/3/?utm_source=chatgpt.com) |\n| **R003-P1-C010** | A003 / Text + Comment | Section 7(d) does not apply to defined incidental consumer credit: other than utility/securities credit, not under a credit-card account, not subject to a finance charge as defined in §1026.4, and **not payable by agreement in more than four installments**. | All stated definitional conditions matter. “Four” is an installment-count condition in §3(c)(1)(iii), not an invented qualification or payment schedule. A deferral can still be ECOA credit even though this exception applies. | **S007**, §3(c)(1), (c)(2)(v), comment 3(c)-1. [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/rules-policy/regulations/1002/3/?utm_source=chatgpt.com) |\n| **R003-P1-C011** | A003 / Text + Comment | Credit **to** governments, subdivisions, agencies, or instrumentalities is exempt from the part’s requirements except §4(a)’s general nondiscrimination rule. | Credit **by** a government agency to consumers is not within that exception merely because the creditor is governmental. | **S007**, §3(d), comment 3(d)-1. [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/rules-policy/regulations/1002/3/?utm_source=chatgpt.com) |\n| **R003-P1-C012** | A003 / Text + Comment | The defined public-utility-credit exception does not remove §7(d). Its listed exceptions concern specified marital-information and retention provisions. | The definition requires the specified service/facility and government-filed or regulated charges. Financing unrelated goods or improvements is not utility-service credit merely because a utility provides it. | **S007**, §3(a), comments 3(a)-1–3. [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/rules-policy/regulations/1002/3/?utm_source=chatgpt.com) |\n| **R003-P1-C013** | A003 / Text | ECOA permits consideration/application of state property laws and recognizes signatures serving lien, title, inchoate-right, or earnings purposes, subject to the statutory prohibition on discriminatory creditworthiness evaluation. Regulation B preserves state property and estate laws and preempts inconsistent credit-discrimination law only to the stated extent. | This is not a uniform federal marital-property or recourse code. Married and unmarried applicants remain subject to equal evaluation standards except as law permits. | **S003**, §1691d(a), (b), (f); **S009**, §6(b)(8), (c); **S010**, §11(a), (d). [uscode.house.gov+1](https://uscode.house.gov/us/usc/119-124/t15/s1691d/?utm_source=chatgpt.com) |\n| **R003-P1-C014** | A003 / Text | Section 1691d(c) addresses a particular case: state law prohibits separate consumer credit, each spouse voluntarily applies separately to the same creditor, and that state prohibition is preempted; its sole-responsibility proviso applies in that specified setting. | It must not be converted into a blanket statement that every separately named marital debt is solely one spouse’s debt under all state law. | **S003**, §1691d(c). [uscode.house.gov](https://uscode.house.gov/us/usc/119-124/t15/s1691d/?utm_source=chatgpt.com) |\n| **R003-P1-C015** | A003 / Opinion + Unknown | The **Hawkins** Eighth Circuit majority held that executing a guaranty alone did not make the claimants statutory applicants; it rejected their reliance on the predecessor regulatory definition. It affirmed summary judgment on the ECOA claim/defense; state-law counterclaims had been dismissed without prejudice. The Supreme Court affirmed by equal division. | The Supreme Court supplied no reasoned nationwide merits resolution. The appellate opinion used the then-operative Chevron framework; no claim is made that this is today’s general review framework. Current forum-specific treatment, statutory entitlement, Article III issues, and remedy remain unverified. | **S027**, slip pp.3–8 / indexes 2–7; **S028**, p.495 / index 0. [govinfo.gov+2](https://www.govinfo.gov/content/pkg/USCOURTS-ca8-13-03065/pdf/USCOURTS-ca8-13-03065-0.pdf?utm_source=chatgpt.com) |\n\n### The precise guarantor question left open\n\nThe unresolved question is not whether the current regulation contains the word *guarantor*: it does. The unresolved application is whether a person who is **only** a guarantor can invoke ECOA as a statutory applicant in the relevant court and procedural posture, and what claim, defense, or remedy that court recognizes. The single appellate majority and Supreme Court disposition read here do not support a uniform national answer. No unseen decision from another circuit is treated as read.\n\n## 4. Atomic claim table: every significant signature branch\n\nThese rows assume the relevant actor and transaction are subject to §1002.7(d), unless a row identifies an exception.\n\n| Claim ID | Area / type | Precise assertion and operative conditions | Limits / what remains unproved | Source / exact pinpoint |\n| --- | --- | --- | --- | --- |\n| **R003-P1-C016** | A003 / Text + Comment | For individual credit, a creditor generally must first determine that the applicant does not independently qualify before requiring another signer. If the applicant qualifies for the requested amount and terms, the creditor cannot require a spouse’s or another non-joint applicant’s signature on a credit instrument, subject to the paragraph’s exceptions. | A neutral policy requiring everyone to obtain a cosigner does not defeat this protection. The business-role guaranty exception below is material. No actual qualification is assessed here. | **S008**, §7(d)(1), comments 7(d)-1–2 and 7(d)(1)-1. [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/rules-policy/regulations/1002/7/?utm_source=chatgpt.com) |\n| **R003-P1-C017** | A003 / Comment | A joint applicant applies contemporaneously for shared or joint credit. Someone added because the creditor demands another signature as a condition of approval is not thereby a joint applicant. | The joint-applicant exception permits obtaining the genuine applicant’s signature; it does not itself establish the scope or enforceability of a later contractual promise. | **S008**, comment 7(d)(1)-2. [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/rules-policy/regulations/1002/7/?utm_source=chatgpt.com) |\n| **R003-P1-C018** | A003 / Text + Comment | Joint intent must be evidenced at application. Application signatures or initials affirming joint-credit intent may establish it, separately from accuracy certification. A promissory-note signature may not serve as the required proof of application-stage joint intent. | A joint financial statement, joint-asset evidence, marriage, or shared household must not silently become a joint application. A financial-statement signature certifying accuracy is insufficient. | **S008**, §7(d)(1), comment 7(d)(1)-3. [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/rules-policy/regulations/1002/7/?utm_source=chatgpt.com) |\n| **R003-P1-C019** | A003 / Comment | For unsecured credit supported by jointly owned property, the creditor must value the applicant’s own interest. It may not condition the extension on the nonapplicant owner’s signature if that interest supports the requested amount and terms. | Joint title alone does not demonstrate a need for another signature. Actual ownership form, valuation, legal access, and the requested terms remain necessary facts. | **S008**, comment 7(d)(2)-1. [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/rules-policy/regulations/1002/7/?utm_source=chatgpt.com) |\n| **R003-P1-C020** | A003 / Comment | Valuation may consider the existing ownership form, attachability, execution, severance or partition, resulting value, and associated costs. | The creditor cannot premise the demand on speculative later changes such as divorce or a future transfer into a different tenancy. | **S008**, comment 7(d)(2)-1(i). [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/rules-policy/regulations/1002/7/?utm_source=chatgpt.com) |\n| **R003-P1-C021** | A003 / Text + Comment | If the applicant relies on joint property for unsecured credit and the interest is insufficient, the creditor may pursue the stated alternatives: an appropriate additional party, secured credit, or instruments necessary/reasonably believed necessary under the property-situs state’s law to reach the relied-on property upon death or default. | Property-access instruments should not impose personal liability unless state law makes that necessary. The commentary rejects routine demands for an instrument, such as a quitclaim deed, that forfeits the other owner’s interest. | **S008**, §7(d)(2), comment 7(d)(2)-1(ii). [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/rules-policy/regulations/1002/7/?utm_source=chatgpt.com) |\n| **R003-P1-C022** | A003 / Comment | The official commentary says a creditor’s reasonable belief about necessary instruments should be supported by a thorough review of pertinent statutory and decisional law or a state attorney-general opinion. | This is not permission based solely on a creditor’s preference. It does not prescribe a particular retained memorandum or decide whether an actual legal analysis was reasonable. | **S008**, comments 7(d)(2)-2 and 7(d)(4)-2. [Consumer Financial Protection Bureau+1](https://www.consumerfinance.gov/rules-policy/regulations/1002/7/?utm_source=chatgpt.com) |\n| **R003-P1-C023** | A003 / Text + Comment | The unsecured community-property branch requires a married applicant who resides in a community-property state or relies on property there; a necessary/reasonably necessary state-law instrument; **both** inadequate management/control of sufficient community property under state law **and** insufficient separate property to qualify without community property. | Marriage or a community-property-state connection alone is insufficient. The residency comment allows a residence assumption unless the applicant indicates otherwise; it does not supply missing property-control law. | **S008**, §7(d)(3)(i)–(ii), comment 7(d)(3)-1. [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/rules-policy/regulations/1002/7/?utm_source=chatgpt.com) |\n| **R003-P1-C024** | A003 / Text | For secured credit, a creditor may require spouse/other signatures on instruments necessary or reasonably believed necessary under applicable state law to make the offered security available on default—for example, to create a lien, pass title, waive inchoate rights, or assign earnings. | Permission is tied to the legal collateral purpose. It is not a general permission to make every owner a personal guarantor. | **S008**, §7(d)(4); **S003**, §1691d(a). [Consumer Financial Protection Bureau+1](https://www.consumerfinance.gov/rules-policy/regulations/1002/7/?utm_source=chatgpt.com) |\n| **R003-P1-C025** | A003 / Comment | If a mortgage or security agreement alone makes the property available, the creditor may not require the spouse to sign the note. If state law actually requires both spouses’ note signatures for an enforceable lien, the commentary permits them. | The relevant state rule must be identified; an assumption that every mortgage requires personal repayment liability is inadequate. | **S008**, comments 7(d)(4)-1–2. [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/rules-policy/regulations/1002/7/?utm_source=chatgpt.com) |\n| **R003-P1-C026** | A003 / Comment | A combined note/security instrument cannot be required where only a security-interest signature is needed unless the instrument clearly limits the spouse’s signature to granting security and excludes personal liability; a nearby legend is an example. | The commentary does not mandate one magic phrase. Actual instrument language, capacity, and applicable law still control what was signed. | **S008**, comment 7(d)(4)-3. [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/rules-policy/regulations/1002/7/?utm_source=chatgpt.com) |\n| **R003-P1-C027** | A003 / Text | When an additional party’s personal liability is necessary under the creditor’s standards to support the requested credit, the creditor may request a cosigner, guarantor, endorser, or similar party. | The spouse may serve, but the creditor cannot insist that the spouse be the additional party merely because a supporting obligor is needed. | **S008**, §7(d)(5). [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/rules-policy/regulations/1002/7/?utm_source=chatgpt.com) |\n| **R003-P1-C028** | A003 / Comment | A creditor may impose eligibility conditions on additional parties, such as residence in its market area. | Such conditions cannot discriminate on sex, marital status, or another prohibited basis. They cannot be used to disguise an otherwise prohibited spouse-only requirement. | **S008**, comment 7(d)(5)-1. [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/rules-policy/regulations/1002/7/?utm_source=chatgpt.com) |\n| **R003-P1-C029** | A003 / Comment | An individual applicant actually relying on another person’s income may be required to obtain that person’s signature to make the income available. This includes a spouse’s income outside community-property treatment and a spouse’s separate income in a community-property state. | The commentary separately permits, but does not require, a spouse’s signature where future earnings are not community property until earned—even if the creditor normally requires a nonspouse income-provider’s signature. Actual income reliance and state characterization are essential. | **S008**, comment 7(d)(5)-2; **S009**, §6(c). [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/rules-policy/regulations/1002/7/?utm_source=chatgpt.com) |\n| **R003-P1-C030** | A003 / Comment | A creditor may require personal guarantees from business partners, directors, officers, and shareholders of closely held corporations **even if the business itself is creditworthy**, when based on that business relationship. | The requirement cannot depend on a prohibited basis—for example, only married officers or only businesses associated with a protected group. This is not a universal exemption for all business-related additional signers. | **S008**, comment 7(d)(6)-1. [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/rules-policy/regulations/1002/7/?utm_source=chatgpt.com) |\n| **R003-P1-C031** | A003 / Text + Comment | Additional parties receive the relevant signature protections. A creditor cannot automatically demand a guarantor’s spouse’s signature. | The commentary allows a further signature in appropriate financial circumstances under §7(d)(2); that incorporates the property-access conditions, not unlimited permission for a spouse’s personal guaranty. | **S008**, §7(d)(6), comment 7(d)(6)-2. [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/rules-policy/regulations/1002/7/?utm_source=chatgpt.com) |\n| **R003-P1-C032** | A003 / Comment | **If creditworthiness is reevaluated when an obligation is renewed**, the creditor must determine whether an additional party remains warranted and release that party if not warranted. | This is a conditional federal release duty. It is not automatic expiration at every renewal, nor does business creditworthiness alone eliminate a permissible business-role guaranty. Effect on prior obligations and release mechanics remains a contract/state-law issue. | **S008**, comment 7(d)(5)-3, read with comment 7(d)(6)-1. [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/rules-policy/regulations/1002/7/?utm_source=chatgpt.com) |\n| **R003-P1-C033** | A003 / Text + Comment | For an existing open-end account, specified adverse changes cannot be triggered merely by age, retirement, name, or marital-status change absent evidence of inability/unwillingness to repay. Reapplication based on marital change requires the stated spouse-income reliance and income-insufficiency information; the comment also addresses loss of another supporting person. | During permitted reapplication, existing contractual access continues. Joint-account closure requests or repudiation of responsibility for future charges are separately addressed. No inference of release from existing debt follows merely from closing an account. | **S008**, §7(c)(1)–(2), comments 7(c)(1)-1–2 and 7(c)(2)-1. [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/rules-policy/regulations/1002/7/?utm_source=chatgpt.com) |\n| **R003-P1-C034** | A003 / Comment + Synthesis | A creditor may condition authorized-user designation on that user becoming contractually liable, without prohibited discrimination. For an overdraft line attached to a transaction account, it may require all persons authorized to draw to assume overdraft liability. | Permission to require an agreement is different from proof that an agreement exists. Mere account access or authorized-user status does not prove the express undertaking. | **S008**, comments 7(a)-1–3; **S006**, §2(i). [Consumer Financial Protection Bureau+1](https://www.consumerfinance.gov/rules-policy/regulations/1002/7/?utm_source=chatgpt.com) |\n| **R003-P1-C035** | A003 / Text | Section 8(d) permits specified marital/support-income/spouse-resource inquiries where financial need is a special-purpose-program criterion. Its separate signature sentence permits obtaining a spouse’s or another person’s signature on a program application or credit instrument **if Federal or state law requires it**. | A program label or creditor preference does not satisfy the signature condition. Section 8(c)’s information permission is not a free-standing authorization to demand any spouse’s guaranty. | **S011**, §8(c)–(d). [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/rules-policy/regulations/1002/8/?utm_source=chatgpt.com) |\n| **R003-P1-C036** | A003 / Text + Comment | The special-program branch requires a qualifying §8(a) program: legally authorized assistance for an economically disadvantaged class; qualifying nonprofit assistance; or a qualifying for-profit program meeting the written-plan and need conditions. Current for-profit rules require the plan’s specified class, procedures, evidence, and explanation of otherwise-unavailable credit; additional conditions govern otherwise-prohibited common characteristics. | Current §8(b)(3) bars race, color, national origin, and sex as for-profit-program eligibility characteristics; §8(b)(4) requires participant-specific evidence for other otherwise-prohibited characteristics. Anti-evasion and other Regulation B provisions remain applicable. No actual program is evaluated. | **S011**, §8(a)(1)–(3), (b)(1)–(4), comments 8(a)-1–6 and 8(b)-1–2. [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/rules-policy/regulations/1002/8/?utm_source=chatgpt.com) |\n| **R003-P1-C037** | A003 / Text + Currentness | The 2026 final rule states that special-program credit extended on or after July 21, 2026 must comply with its new requirements; prior extensions must comply with the applicable earlier program rules described in its effective-date discussion. | A preexisting program is not thereby authorized to make all future extensions indefinitely under old rules. This pass does not certify absence of later judicial orders. | **S012**, printed pp.21620, 21658–21659 / indexes 0, 38–39. [govinfo.gov+1](https://www.govinfo.gov/content/pkg/FR-2026-04-22/pdf/2026-07804.pdf?utm_source=chatgpt.com) |\n| **R003-P1-C038** | A003 / Text + Synthesis | Appendix B models are optional. Appropriate use/modification yields the specified compliance treatment for §1002.5(b)–(d) inquiries. | That limited effect is not a general contract-formation, guaranty-enforceability, joint-intent, or liability safe harbor. | **S013**, introductory paragraphs 1–3; **S008**, comment 7(d)(1)-3. [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/rules-policy/regulations/1002/b/?utm_source=chatgpt.com) |\n\n## 5. Atomic claim table: FTC coverage, notice, and evidentiary limits\n\n**Rows C048–C051 contain every substantive element of the prescribed notice in original paraphrase. They are a research explanation, not replacement compliance wording. The controlling published wording is at S015, §444.3(c).**\n\n| Claim ID | Area / type | Precise assertion and operative conditions | Limits / exceptions | Source / exact pinpoint |\n| --- | --- | --- | --- | --- |\n| **R003-P1-C039** | A003 / Text | Part 444’s creditor is a covered lender or retail installment seller: lending money to consumers, or selling goods/services on deferred-payment or lease-purchase terms, within FTC jurisdiction. Consumer means a natural person seeking/acquiring goods, services, or money for personal, family, or household use. Section 444.3 concerns consumer credit in or affecting commerce. | Its broad definition of debt—money due or alleged due—does not erase these actor, purpose, obligation, and commerce conditions. Business credit is not brought within this consumer rule merely by adding a natural-person guarantor. | **S015**, §444.1(a)–(g), §444.3(a). [ecfr.gov](https://www.ecfr.gov/current/title-16/chapter-I/subchapter-D/part-444?utm_source=chatgpt.com) |\n| **R003-P1-C040** | A003 / Text | FTC Act §45(a)(2) excludes banks, savings-and-loan institutions, and **federal** credit unions as statutorily defined, along with other enumerated categories, from the FTC’s stated enforcement jurisdiction. | “Credit union” is not synonymous with “federal credit union.” Nor does “nonbank” alone establish coverage. Section 44’s organizational definition and §57a(f)’s institution definitions matter; no actual status was investigated. | **S018**, §§44, 45(a)(2), 57a(f)(2)–(4); **S015**, §444.1(a)–(b). [uscode.house.gov+2](https://uscode.house.gov/us/usc/119-121/t15/s45/?utm_source=chatgpt.com) |\n| **R003-P1-C041** | A003 / Guidance | Published FTC materials describe the rule as excluding real-estate purchases, while covering qualifying consumer loans secured by already-owned real estate. | This is the FTC’s published scope explanation, not an express real-estate-purchase phrase in §444.1. Do not convert it into an exclusion of every real-estate-secured loan or every mortgage-related transaction. | **S016**, “What Transactions Are Covered”; **S017**, “What Are My Obligations…”. [Federal Trade Commission+1](https://www.ftc.gov/business-guidance/resources/complying-credit-practices-rule?utm_source=chatgpt.com) |\n| **R003-P1-C042** | A003 / Text | A cosigner under §444.1(k) is a **natural person** who becomes liable for another’s obligation without compensation. The definition expressly includes a signature demanded to extend credit to another or to forbear collection of another’s defaulted obligation. | The rule is not confined to new-money originations. The underlying consumer-credit and actor requirements still apply. | **S015**, §444.1(k). [ecfr.gov](https://www.ecfr.gov/current/title-16/chapter-I/subchapter-D/part-444?utm_source=chatgpt.com) |\n| **R003-P1-C043** | A003 / Text + Guidance | Someone receiving no goods, services, or money in return for the credit obligation receives no compensation for this definition; labels do not control. FTC guidance distinguishes a genuine co-buyer sharing purchased goods or co-borrower sharing proceeds from a supporting cosigner. | A “co-borrower” caption cannot dispose of contrary facts. Conversely, a primary purchaser is not made a covered cosigner merely because another person also signs. Shared household membership alone does not establish the actual benefit or contractual role. | **S015**, §444.1(k); **S016**, “Notice to Cosigners,” final paragraphs. [ecfr.gov+1](https://www.ecfr.gov/current/title-16/chapter-I/subchapter-D/part-444?utm_source=chatgpt.com) |\n| **R003-P1-C044** | A003 / Text + Guidance | The rule expressly excludes a spouse whose signature is required to perfect a state-law security interest. FTC guidance also says no notice is needed for a security-agreement signer who has no personal liability. | A document that also imposes a personal undertaking requires analysis of its actual terms; “property owner” is not a universal cosigner exemption. | **S015**, §444.1(k); **S016**, “Notice to Cosigners.” [ecfr.gov+1](https://www.ecfr.gov/current/title-16/chapter-I/subchapter-D/part-444?utm_source=chatgpt.com) |\n| **R003-P1-C045** | A003 / Text | Section 444.3(a)(1) prohibits direct or indirect misrepresentation of the nature or extent of cosigner liability to any person. Section 444.3(b) states that compliance with paragraph (c)’s preventive requirements does not violate paragraph (a). | Paragraph (b)’s statement concerns the specified paragraph (a); it is not a universal contractual-enforceability or all-laws immunity provision. | **S015**, §444.3(a)(1), (b). [ecfr.gov](https://www.ecfr.gov/current/title-16/chapter-I/subchapter-D/part-444?utm_source=chatgpt.com) |\n| **R003-P1-C046** | A003 / Text | The creditor must inform the cosigner before obligation and give the prescribed disclosure before that event. For open-end credit, the specified event is execution of the agreement creating liability for future charges. | Delivery after obligation does not satisfy the express prior-delivery condition. No fixed number of advance days is stated here. | **S015**, §444.3(a)(2), (c). [ecfr.gov](https://www.ecfr.gov/current/title-16/chapter-I/subchapter-D/part-444?utm_source=chatgpt.com) |\n| **R003-P1-C047** | A003 / Text | The regulatory disclosure is a separate document containing the prescribed statement, without other statements under the literal rule. | Section 444.3 does not specify a numerical font size. Staff explanations concerning permitted administrative additions and packet placement are separately classified below. | **S015**, §444.3(c). [ecfr.gov](https://www.ecfr.gov/current/title-16/chapter-I/subchapter-D/part-444?utm_source=chatgpt.com) |\n| **R003-P1-C048** | A003 / Text — notice element 1 | Under the heading **Notice to Cosigner**, the opening paragraph says the recipient is being asked to guarantee the debt, should consider that choice carefully, will have to pay if the borrower does not, and should assess both ability and willingness to accept that responsibility. | This is the complete opening warning in paraphrase, not a finding that an enforceable guaranty has already been formed. | **S015**, §444.3(c), heading and first notice paragraph. [ecfr.gov](https://www.ecfr.gov/current/title-16/chapter-I/subchapter-D/part-444?utm_source=chatgpt.com) |\n| **R003-P1-C049** | A003 / Text — notice element 2 | The second paragraph warns of possible responsibility for up to the entire debt if the borrower fails to pay, and possible late fees or collection costs increasing the amount. | It supplies no calculation of an actual balance, permissible charge, or award. | **S015**, §444.3(c), second notice paragraph. [ecfr.gov](https://www.ecfr.gov/current/title-16/chapter-I/subchapter-D/part-444?utm_source=chatgpt.com) |\n| **R003-P1-C050** | A003 / Text — notice element 3 | The third paragraph warns that the creditor can seek payment from the cosigner without first trying the borrower; can use the same collection methods, including suit or wage garnishment; and that default may enter the cosigner’s credit record. | This warning is not an independent grant of collection powers or an override of state collection-sequence protections, contract terms, exemptions, or required judicial procedures. | **S015**, §444.3(c), third notice paragraph; **S017**, state-law qualification immediately following the notice. [ecfr.gov+1](https://www.ecfr.gov/current/title-16/chapter-I/subchapter-D/part-444?utm_source=chatgpt.com) |\n| **R003-P1-C051** | A003 / Text — notice element 4 | The final paragraph states: **“This notice is not the contract that makes you liable for the debt.”** | Notice receipt, including an acknowledgment, must not be substituted for the actual liability-creating instrument. | **S015**, §444.3(c), final notice paragraph. [ecfr.gov](https://www.ecfr.gov/current/title-16/chapter-I/subchapter-D/part-444?utm_source=chatgpt.com) |\n| **R003-P1-C052** | A003 / Guidance | FTC staff permits letterhead, identifying details, an optional receipt-signature line, consistent state notices, and omission of a statement inaccurate under state law. It forbids distracting additions and permits attachment only when the notice comes first in the packet. Its guidance says revolving-account notice is given once at opening; FTC advice says it **should** match the agreement’s language. | These are published implementation explanations; they do not amend the literal regulation or establish a general notice-expiration/cancellation rule. No identifying details were entered here. | **S016**, “Notice to Cosigners”; **S017**, language paragraph. [Federal Trade Commission+1](https://www.ftc.gov/business-guidance/resources/complying-credit-practices-rule?utm_source=chatgpt.com) |\n| **R003-P1-C053** | A003 / Text + Synthesis | Part 444 does not itself prescribe a signed acknowledgment, fixed notice-retention period, or periodic notice-expiration interval. An acknowledgment may evidence receipt, but its presence does not establish every delivery condition. | Absence of a document from a reviewed set is not automatically proof of nondelivery. Other retention, disclosure-copy, electronic-delivery, or evidentiary laws are not negated by this limited reading. | **S015**, complete §§444.1–.5; **S016**, optional acknowledgment/file-copy explanation. [ecfr.gov+1](https://www.ecfr.gov/current/title-16/chapter-I/subchapter-D/part-444?utm_source=chatgpt.com) |\n| **R003-P1-C054** | A003 / Guidance | FTC consumer advice recommends obtaining relevant papers and arranging statements/default alerts. | That advice is not a universal affirmative duty under part 444 to deliver every loan paper or later account statement. Product-specific and state-law rights remain outside this finding. | **S017**, “If I Cosign a Loan, What Can I Do To Protect Myself?” [Consumer Advice](https://consumer.ftc.gov/articles/cosigning-loan-faqs?utm_source=chatgpt.com) |\n| **R003-P1-C055** | A003 / Text | Under §444.5, an appropriate state agency must apply, and the FTC must determine that an effective state requirement affords substantially equivalent or greater protection. The federal provision then ceases to operate only to the extent specified and while effective state administration/enforcement continues. | Stronger state law alone is not an automatic exemption. Specific currently operative exemption determinations were not verified in this pass. | **S015**, §444.5(a)(1)–(2) and concluding condition. [ecfr.gov](https://www.ecfr.gov/current/title-16/chapter-I/subchapter-D/part-444?utm_source=chatgpt.com) |\n| **R003-P1-C056** | A003 / Text | FTC Act §57a(g) separately permits petitions for person/class exemptions and specifies the Commission’s finding and procedural requirements. | Petition or review pendency does not itself stay the rule. No exemption is inferred merely from a request or from a failed source retrieval. | **S018**, §57a(g)(1)–(3). [uscode.house.gov](https://uscode.house.gov/us/usc/119-124/t15/s57a/?utm_source=chatgpt.com) |\n| **R003-P1-C057** | A003 / Text + Synthesis | A missing or late required notice raises a compliance issue under §444.3. The read provisions do not establish automatic debt cancellation, release, a notice-based rescission period, uniform unenforceability, or a private cause of action. | An actual remedy requires the applicable enforcement/remedies authority, forum, contract, state law, and facts. The FTC booklet dates the rule’s operation to March 1, 1985; that historical trigger is distinct from this report’s access date. | **S015**, §444.3; **S016**, introduction and effective-date discussion. [ecfr.gov+1](https://www.ecfr.gov/current/title-16/chapter-I/subchapter-D/part-444?utm_source=chatgpt.com) |\n\n### What the notice proves—and what it does not\n\nA sufficiently authenticated notice and delivery record can help establish **what warning was supplied, to whom in a stated role, and when**. It cannot by itself establish the promise, the signer’s authority, the agreement’s enforceability, the amount due, a valid lien, a collection priority, or a lawful remedy.\n\nLikewise, an empty notice field or absent copy is an **evidence gap** until the delivery history is established. When the assumed fact is actual late delivery after obligation, the timing condition is not met; that still does not select the remedy. These are separate findings under C046, C051, C053, and C057.\n\n## 6. Atomic claim table: institutional changes, guidance status, and remedies\n\n| Claim ID | Area / type | Precise assertion and operative conditions | Status / jurisdiction / limits | Source / exact pinpoint |\n| --- | --- | --- | --- | --- |\n| **R003-P1-C058** | A003 / Text + Final-rule history | Dodd-Frank repealed the former institution-specific FTC Act rulemaking authority. The Federal Reserve’s final rule formally removed former Regulation AA, 12 C.F.R. part 227, effective March 21, 2016. It explains that the statutory repeal nullified the relevant provisions and that Regulation AA did not transfer to CFPB under the FTC Act. | The 2010 enactment date, designated-transfer-date provision, and 2016 formal removal are distinct. The FTC’s own part 444 remained a separate rule. | **S018**, §57a(f)(1), 2010 effective-date note; **S020**, pp.8133–8134 / indexes 0–1. [uscode.house.gov+1](https://uscode.house.gov/us/usc/119-124/t15/s57a/?utm_source=chatgpt.com) |\n| **R003-P1-C059** | A003 / Final rule | NCUA removed and reserved part 706 effective October 3, 2014. Its final rule expressly retained the distinction between repealed regulations and continuing statutory supervisory/enforcement authority. | A federal-credit-union notice obligation cannot simply be asserted today by citing former §706 as a current rule. | **S021**, p.59627 / index 0; removal instruction 3, p.59629 / index 2. [govinfo.gov+1](https://www.govinfo.gov/content/pkg/FR-2014-10-03/pdf/2014-22715.pdf?utm_source=chatgpt.com) |\n| **R003-P1-C060** | A003 / Guidance + Final-rule history | The joint agencies explained that former OTS part 535 was omitted from OCC republication because the relevant authority was unavailable and was effectively repealed July 21, 2011. Treasury later directed removal of obsolete OTS chapter V as non-substantive cleanup. | The complete 2011 republication was not independently reconstructed. The 2017 Treasury document’s printed effective date is October 11, 2018; no correction was verified. Neither document is treated as creating a new cosigner-notice duty. | **S023**, footnote 9; **S022**, OCC p.48950 / index 0; Treasury pp.47083–47084 / indexes 0–1. [federalreserve.gov+2](https://www.federalreserve.gov/frrs/guidance/interagency-guidance-regarding-unfair-or-deceptive-credit-practices.htm?utm_source=chatgpt.com) |\n| **R003-P1-C061** | A003 / Text | Separate federal statutory prohibitions remain relevant. Section 5531 addresses UDAAP involving covered persons/service providers and consumer financial products/services; §5536 contains operative prohibitions. Section 45 supplies the FTC Act prohibition, with enforcement and actor qualifications. | Statutory unfairness has specified injury, avoidability, and countervailing-benefit conditions; a regulatory repeal does not establish that every former practice is permissible. These statutes do not themselves reproduce §444.3(c)’s exact notice as a universal institutional obligation. | **S018**, §45(a); **S019**, §§5531(a)–(d), 5536(a); **S020–S021**. [uscode.house.gov+3](https://uscode.house.gov/us/usc/119-121/t12/s5531/?utm_source=chatgpt.com) |\n| **R003-P1-C062** | A003 / Verified publisher status | As checked on D, CFPB’s guidance index still listed the 2014 credit-practices guidance, its withdrawal register did not list that item, and NCUA expressly marked its accompanying letter Active. Fed and OCC publisher pages remained posted without an observed rescission banner. | **FDIC publisher status remains unresolved:** both attempted official pages returned 403. The verified statuses are stated agency by agency; publication of an old document alone was not treated as a complete currentness check. | **S024–S025**; failure F04 below. [Consumer Financial Protection Bureau+4](https://www.consumerfinance.gov/compliance/guidance/?utm_source=chatgpt.com) |\n| **R003-P1-C063** | A003 / Guidance + Synthesis | The 2014 guidance says repeal is not a determination that former practices are permissible; statutory violations depend on facts and circumstances. Footnote 11 expresses the agencies’ view that continuing to provide a notice before obligation properly discloses cosigner liability. | This is a supervisory interpretation, not a newly enacted regulation applying the FTC’s exact affirmative notice duty to every exempt institution, and not an independently created private right. Operative assertions must rest on current statutes/rules. | **S023**, guidance body and footnote 11; **S019–S021**. [federalreserve.gov](https://www.federalreserve.gov/frrs/guidance/interagency-guidance-regarding-unfair-or-deceptive-credit-practices.htm?utm_source=chatgpt.com) |\n| **R003-P1-C064** | A003 / Withdrawal / history | The CFPB’s proposed Regulation AA was withdrawn May 15, 2025. Its August 2026 regulatory-priorities statement again identifies the withdrawal. | The remaining proposal landing page does not make the proposal final or revive former Federal Reserve Regulation AA. No new universal cosigner-notice obligation is established by these materials. | **S026**, withdrawal p.20569 / index 0; agenda p.52943 / index 151. [govinfo.gov+2](https://www.govinfo.gov/content/pkg/FR-2025-05-15/pdf/2025-08645.pdf?utm_source=chatgpt.com) |\n| **R003-P1-C065** | A003 / Text + Synthesis | ECOA’s civil-liability provisions address an aggrieved applicant and authorize specified court relief; they also include a good-faith-conformity protection. A signature-rule violation is therefore not itself a complete adjudication of contract invalidity or of a particular claimant’s remedy. | Statutory applicant status, court/claim posture, state defenses, relief, and later authority remain separate. No damages, limitation-period, or litigation-strategy analysis is supplied. | **S004**, §1691e(a), (c), (e); **S027–S028**. [uscode.house.gov+2](https://uscode.house.gov/us/usc/119-124/t15/s1691e/?utm_source=chatgpt.com) |\n| **R003-P1-C066** | A003 / Synthesis | The audit must distinguish application intent, capacity, express promise, security consent, notice delivery, and governing property law. Evidence of one cannot automatically stand in for all the others. | Neither household relationship, marriage, credit reporting, account access, nor an official model notice alone proves actual personal liability. This is an evidentiary limit of the researched federal sources, not a ruling that other law can never impose an obligation. | **S006**, §2(i); **S008**, comments 7(d)(1)-3 and 7(d)(4)-3; **S010**, §11(d); **S015**, §444.3(c). [Consumer Financial Protection Bureau+4](https://www.consumerfinance.gov/rules-policy/regulations/1002/2/?utm_source=chatgpt.com) |\n\n### Institution coverage must be stated conditionally\n\n| Generic institutional class | What this pass establishes | What it does not establish |\n| --- | --- | --- |\n| FTC-covered nonbank lender or retail installment seller | Part 444 can impose the notice duty when its consumer-credit, cosigner, timing, and exemption conditions are met. | That every nonbank or every transaction is covered. |\n| Statutorily defined bank | Do not apply part 444 solely because the activity resembles consumer lending. Former part 227 is repealed; separate statutory and guidance analysis remains. | A universal current bank notice obligation, or freedom to misrepresent liability. |\n| Statutorily defined savings institution | Former OTS rule history must be separated from current statutory powers and any other applicable law. | That an obsolete part-535 citation proves a present affirmative duty. |\n| Federal credit union | FTC jurisdictional exclusion and NCUA’s part-706 repeal are material. NCUA’s guidance-status page is Active. | That repeal permits every formerly prohibited practice. |\n| State-chartered credit union or uncertain institutional class | The federal-credit-union exclusion cannot be assumed to cover it; FTC jurisdiction and other applicable law need their own analysis. | Actual charter, organizational, insurance, regulatory, or transaction status. No roster was used. |\n\nThis table is a synthesis of C039–C040 and C058–C064, not an institution classification.\n\n## 7. Complete blank generic-document liability/signature audit worksheet\n\n**Purpose:** identify what a generic document review would need to establish. Every finding field remains blank. The worksheet neither requests actual borrower records nor authorizes searches, contacts, filing, or verification of real identities.\n\nThe legal anchors are the official clauses and interpretations identified above, including §1002.7(d), §1002.2(i), Appendix B’s limited instructions, and §444.3(c). No invented borrower entries or fabricated executed instruments are supplied.\n\n| Worksheet item | Question to resolve | Evidence or published authority needed | Blank finding | Claim links |\n| --- | --- | --- | --- | --- |\n| **W01 — Engagement and transaction** | What credit, purchase, or service arrangement is described, and what question about the signature is being asked? | Complete generic engagement/application and transaction terms; primary purpose; deferral structure. |  | C002, C004, C039 |\n| **W02 — Creditor role** | Which legal actor category and credit-decision role is relevant? | Stated legal capacity and applicable statutory definitions; decision participation versus referral-only role. No entity lookup. |  | C003, C008, C040 |\n| **W03 — Transaction exceptions** | Does a securities, incidental, government, utility, special-program, or FTC exemption branch apply? | Complete defining conditions and any applicable published exemption determination. |  | C009–C012, C035–C037, C055–C056 |\n| **W04 — Application request** | Was individual or joint credit actually requested under the applicable procedures? | Complete application, instructions, and generic description of oral/written procedures. |  | C004, C016–C018 |\n| **W05 — Joint intent** | Is joint-credit intent evidenced at application independently of accuracy certification? | Separate intent affirmation and its timing; distinguish later note execution and joint financial statements. |  | C017–C018 |\n| **W06 — Additional-signature condition** | Was the signer voluntarily applying, or added because the creditor demanded support? | Application conditions, approval conditions, and the stated reason for requesting the signature. |  | C016–C018, C027 |\n| **W07 — Individual qualification premise** | What standards and requested amount/terms make the qualified/unqualified branch relevant? | Applicable standards and the stated evaluation basis; no invented score or numerical qualification. |  | C016, C019, C027 |\n| **W08 — Named capacity and signature block** | Does the document identify a borrower, guarantor, owner, authorized agent, witness, or consent-only signer? | Complete signature block, incorporated definitions, capacity clauses, and cross-references. |  | C005–C006, C024–C026 |\n| **W09 — Express promise** | What exact language creates an alleged repayment obligation, and for which debts? | Entire promise-to-pay/account agreement, incorporated terms, conditions, and exclusions. |  | C006, C051, C066 |\n| **W10 — Guaranty scope** | Is the undertaking limited, continuing, conditional, secured, or associated with renewals/future advances? | Complete generic guaranty, termination/release provisions, modification terms, and governing law. |  | C007, C027, C032, C065 |\n| **W11 — Formation and authority** | What remains necessary to establish execution, assent, authority, authenticity, or capacity? | Applicable published formation/agency law and relevant execution evidence; these are parent holds. |  | C006, C065–C066 |\n| **W12 — Collateral-only consent** | Is the signature solely to make identified security available? | Complete security instrument; any limitation legend; separation from note/guaranty. |  | C024–C026, C044 |\n| **W13 — State-law necessity** | Which state law requires or supports belief that this instrument/signature is needed? | Pertinent statutes, published decisions, or attorney-general opinion; property situs and governing-law questions kept separate. |  | C021–C025 |\n| **W14 — Joint-property interest** | Has the applicant’s existing interest been valued independently? | Ownership-form assumptions; attachment/execution/partition rules, resulting value and costs. |  | C019–C021 |\n| **W15 — Community-property conditions** | Are residence/property location, management/control, community assets, and separate-property sufficiency established? | Applicable published state law and the specific qualifying facts; no marital presumption substituted for them. |  | C023 |\n| **W16 — Reliance on another’s income** | Is the other person’s income actually relied upon, and how must it be made available? | Income-reliance terms; state characterization of separate income and future earnings. |  | C029 |\n| **W17 — Business relationship** | Is a guarantee requested because of a qualifying business role, or merely marriage/protected status? | Generic organizational role and guarantee policy; distinguish spouse from partner/officer/shareholder role. |  | C030–C031 |\n| **W18 — Special-purpose program** | Is the program within current §8, and what law specifically requires the signature? | Published enabling law, program rules, required plan elements, relevant version, and signature mandate. |  | C035–C037 |\n| **W19 — FTC cosigner role** | Is the proposed signer a natural person supporting another’s obligation without compensation, or a genuine primary beneficiary? | Proceeds/goods/services allocation and complete obligations; labels alone insufficient. |  | C039, C042–C044 |\n| **W20 — Notice content/version** | Does the notice contain the complete applicable prescribed warning? | Blank official notice and complete generic notice specimen; any state-law modification authority. |  | C047–C052 |\n| **W21 — Obligation and delivery sequence** | When does liability arise, and was the notice given before that event? | Agreement-execution sequence and delivery evidence; for open-end credit, agreement covering future charges. |  | C046 |\n| **W22 — Format and placement** | Is the notice separate, and how is it placed in the packet? | Complete generic packet, notice placement, additions, language, and applicable official explanations. |  | C047, C052 |\n| **W23 — Receipt evidence** | Is there proof of delivery, merely a file copy, an acknowledgment, or no available evidence? | Delivery/receipt evidence and its limits; distinguish missing document from proven nondelivery. |  | C051, C053, C057 |\n| **W24 — Copies and records gap** | Which relevant instruments or delivery materials remain unavailable? | Explicit inventory of missing categories; separate any independently applicable copy/retention law. |  | C053–C054 |\n| **W25 — Renewal/release** | Was creditworthiness reevaluated at renewal, and was the additional party still warranted? | Renewal terms, stated reevaluation, applicable guarantee basis, and release instrument if relevant. |  | C007, C030, C032 |\n| **W26 — Open-end changes/access** | Is a marital/status change being used to demand reapplication, alter access, or add liability? | Existing terms, supporting-income facts, permitted reapplication conditions, and express authorized-user undertaking. |  | C033–C034 |\n| **W27 — Remedy and forum** | What published authority supports the claimed consequence of a violation? | Applicable statutory claimant rule, published forum authority, state defenses, remedy provisions, and later history. |  | C015, C057, C065 |\n| **W28 — Final inference check** | Is any conclusion resting only on marriage, household, title, credit reporting, access, or receipt of a notice? | Identify the missing promise, capacity, application intent, property-law link, or remedy authority. |  | C018, C024–C026, C051, C066 |\n\n**Audit output categories should remain separate:** signature demand permitted/prohibited/unresolved; notice required/not established/exempt/unresolved; delivery established/not established/late on assumed facts; personal promise established/not established; collateral exposure established/not established; remedy unresolved. A conclusion in one category does not silently fill the others.\n\n## 8. Clearly hypothetical qualitative failure branches\n\nEvery row is an analytical hypothesis using generic roles only. There are no invented identities, accounts, properties, qualifications, amounts, or awards.\n\nUnless a row makes coverage the question, assume the specified federal rule applies and no unidentified exemption changes the result. “Adverse classification” below means a harmful analytical misclassification, **not** an ECOA adverse-action determination.\n\n| Example / assigned branch | Expressly assumed facts | Federal result at this pass’s scope | Contract/state-law unknowns and evidence needed | Adverse classification to avoid |\n| --- | --- | --- | --- | --- |\n| **H01 — Qualified sole applicant; Q6(a)** | An individual applies alone, independently meets the creditor’s standards for the requested terms, and is asked for a spouse’s personal guaranty. No property, income-reliance, business-role, or program exception is assumed. | The demand conflicts with the general §7(d)(1) restriction. **C016, C027.** | Need the application, condition imposed, actual guarantee, applicable claimant/remedy authority, and state contract law before deciding consequences. | Treating the spouse as a voluntary joint applicant; or treating the prohibited demand as automatic proof the guaranty is void. |\n| **H02 — Genuine joint applicants; Q6(b)** | Both applicants contemporaneously request shared credit and separately affirm that intent at application. | The joint-applicant exception permits obtaining both applicants’ signatures. **C017–C018.** | The application is not the complete repayment contract. Need actual promise language, capacities, execution, and governing law; FTC primary-beneficiary status is a separate test. | Assuming joint intent alone establishes every later personal obligation; or treating every joint applicant as a notice-entitled cosigner. |\n| **H03 — Sole applicant; other owner signs security; Q6(c)** | One applicant seeks secured credit. Applicable law is assumed to require another owner’s signature only on a security instrument; the instrument clearly excludes that owner’s personal promise. | The collateral signature may be required. Requiring a note solely for convenience would not fit the assumed necessity. A signer with no personal liability is not converted into an FTC cosigner. **C024–C026, C044.** | Need the complete instrument and actual published property law. Lien validity, priority, foreclosure, and recourse remain unproved. | Calling the owner a personal debtor; or saying the owner faces no exposure because no personal promise exists. |\n| **H04 — Business guarantor and spouse; Q6(d)** | Credit is primarily business credit. An officer’s guaranty is requested because of the officer role, even though the business qualifies. The officer’s spouse is then automatically asked to guarantee. | The role-based officer guaranty may be permitted; automatic spouse addition is not justified by that permission. The FTC consumer-notice rule is not established for the assumed business transaction. **C030–C031, C039.** | Need full guarantees, the relationship-based policy, property/income facts if another exception is invoked, and state guaranty law. | Treating all business guarantees as prohibited for a qualified business; or treating every officer’s spouse as responsible. |\n| **H05 — Community-property uncertainty; Q6(e)** | A married sole applicant has the specified community-property-state connection, but management/control law and separate-property sufficiency are unknown. | The connection alone does not resolve §7(d)(3). Both substantive conditions and necessary-instrument analysis remain open. **C023.** | Need published state management/control and debt-access rules, property characterization, and the relevant sufficiency facts. | Inferring joint personal debt from marriage or geography; or rejecting every spouse signature without examining the statutory conditions. |\n| **H06 — FTC cosigner versus primary purchaser; Q6(f)** | In a covered consumer transaction, an unpaid natural person supports another’s debt and receives no goods, services, or money. Compare a genuine joint purchaser receiving the purchased goods. | The first fits the defined cosigner branch; the genuine primary-beneficiary alternative may not. Labels cannot substitute for the facts. **C042–C043.** | Need complete obligation language and allocation of benefits. Neither notice status decides enforceability. | Reclassifying a supporting signer as a co-borrower merely by caption; or treating every jointly signed purchase as a cosigner transaction. |\n| **H07 — Missing or late notice; Q6(g)** | Alternative A: the required notice is proved to have been delivered only after obligation. Alternative B: no notice is present in the available document set, but delivery history is unknown. | A fails the prior-delivery condition. B is an evidence gap, not yet proof of nondelivery. Neither yields automatic release. **C046, C053, C057.** | Need the obligation-formation event, delivery sequence, applicable exemption status, and remedy authority. | “No copy means no notice”; “late notice automatically cancels the debt”; or “signed guarantee proves notice compliance.” |\n| **H08 — Institution class uncertain; Q6(h)** | Only a generic description such as bank, credit union, or finance business is supplied; no statutory classification is established. | FTC-rule coverage cannot be decided from the label. ECOA/Regulation B and other statutory duties require their own coverage analysis. **C003, C039–C040, C058–C064.** | Need legal-category and transaction facts; no roster or real institution search is authorized or performed. | Applying part 444 identically to every institution; or assuming absence of FTC jurisdiction removes all federal protections. |\n| **H09 — Renewal and release** | At renewal the creditor reevaluates creditworthiness and determines that no additional party remains warranted under the applicable rules; no independent business-role basis is assumed. | The official comment requires release of the additional party. If reevaluation or the no-longer-warranted premise is missing, that specific result is not established. **C032.** | Need renewal/reevaluation evidence and release terms; scope of historical liability and any separate continuing guaranty remains open. | Treating guarantees as automatically perpetual; or treating every renewal as automatic discharge. |\n| **H10 — Unsecured joint assets** | A sole applicant relies on joint property; the applicant’s own existing interest is assumed sufficient for the requested terms. | The nonapplicant owner’s signature cannot be demanded under the insufficiency branch. If the interest is insufficient, the limited alternatives must be examined. **C019–C022.** | Need the existing ownership form, property-situs law, accessibility, value, costs, and instrument purpose. | Ignoring the applicant’s own interest; relying on imagined future divorce; or routinely requiring forfeiture of the other owner’s title. |\n| **H11 — Reliance on spouse’s income** | An individual application actually relies on the spouse’s income; it is assumed not automatically available as community property. | A signature making that relied-on income available may be permitted. The reason is the specific income reliance, not marriage alone. **C029.** | Need income characterization, enforceable commitment terms, and relevant state law. | “A spouse can never be required to sign”; or “every married applicant must obtain a spouse signature.” |\n| **H12 — Incidental-credit exception** | The extension is assumed to meet every element of §3(c)(1), including its non-card, no-finance-charge, and installment conditions. | Section 7(d) is excepted. That does not erase the general discrimination rule or independently settle FTC coverage. **C010, C039.** | Need terms establishing the exception and separate actor/consumer-purpose analysis; state liability remains open. | Applying §7(d) merely because the arrangement is credit; or treating the exception as proof that nobody owes. |\n| **H13 — Special-purpose program** | A qualifying program is asserted, and a signature is said to be required by law; no actual enabling law or compliant program materials are supplied. | The label alone is insufficient. Current §8 prerequisites, the applicable version, and the specific legal signature requirement must be established. **C035–C037.** | Need published enabling law and generic program materials; no actual eligibility assessment is made. | Treating any “special program” as permission to require a spouse’s personal guaranty. |\n| **H14 — Defaulted obligation and forbearance** | A covered creditor conditions forbearance on a defaulted consumer obligation on an unpaid natural person’s new supporting undertaking. | The FTC cosigner definition expressly reaches this branch; the notice must precede the new obligation. **C042, C046.** | Need forbearance/guaranty terms, formation and consideration law, delivery sequence, and coverage/exemption facts. | Assuming notice applies only when fresh loan proceeds are advanced. |\n| **H15 — Account access without demonstrated promise** | A person has account access or an authorized-user designation, but no express undertaking has been established. | Regulation B permits certain contractual-liability conditions for authorized users; that permission does not prove this user agreed. **C006, C034.** | Need complete agreement and capacity/assent evidence; other possible legal bases remain parent holds. | Treating access, household membership, or a credit-report entry as conclusive personal liability. |\n\nThe federal conclusions in these hypotheses derive from the cited claims and their operative sources, particularly complete §1002.7(d) commentary and §444.1(k)/§444.3. They are not invented account records or actual eligibility decisions. [Consumer Financial Protection Bureau+3](https://www.consumerfinance.gov/rules-policy/regulations/1002/7/?utm_source=chatgpt.com)\n\n## 9. Granular coverage table\n\n**Answered** means the bounded legal proposition is explained. It does not mean an actual transaction has been decided. **Partial** identifies an authority or currentness gap. **Unresolved** identifies facts or law not supplied/within scope. **Excluded** identifies a parent dimension deliberately not undertaken.\n\nEvery proposed next step below is limited to published law, opinions, official generic materials, or blank/sample documents. None authorizes a record search, contact, filing, or institution lookup.\n\n| Assigned subquestion / significant branch | Status and reason | Claim / example links | Exact remaining gap and next bounded permissible investigation |\n| --- | --- | --- | --- |\n| **Q1 — ECOA statutory actor, applicant, credit, person** | **Answered** at necessary statutory scope. | C001–C006; S001–S002 | Actual role/request/purpose facts absent. Next: compare a generic document’s stated roles with the cited definitions. |\n| **Q1 — Consumer versus business coverage** | **Answered.** Both may fall under Regulation B; FTC purpose rule is narrower. | C002, C030, C039; H04 | Mixed-purpose characterization may need generic terms and applicable published interpretation. No broad classification survey undertaken. |\n| **Q1 — Participating creditor, assignee, referral-only actor** | **Answered** as a rule; actual participation **unresolved**. | C003 | Need role and decision-participation facts; do not infer §7(d) coverage from referral language limited to §4(a)–(b). |\n| **Q1 — Guarantor regulatory inclusion** | **Answered.** Inclusion is express for §7(d). | C005, C031 | Does not supply statutory plaintiff/defense status. |\n| **Q1 — Statutory guarantor claim/defense and jurisdiction** | **Partial.** One complete appellate majority and its Supreme Court disposition read. | C015, C065; S027–S028 | Current governing forum’s published authority and precise posture remain missing. Next: bounded published-opinion review after a jurisdictional research scope is defined; no docket/status query. |\n| **Q1 — Securities exception** | **Answered.** Express §7(d) exclusion. | C009 | Actual statutory securities-credit classification absent; next published-law analysis only if needed for a generic scenario. |\n| **Q1 — Incidental-credit exception** | **Answered.** Complete conjunctive definition and signature exception identified. | C010; H12 | Need transaction terms for each element; no automatic exemption merely from “bill” or “service.” |\n| **Q1 — Government credit** | **Answered.** To-government versus by-government distinction made. | C011 | Actual recipient class absent. |\n| **Q1 — Utility credit** | **Answered.** Listed exception does not eliminate §7(d). | C012 | Need service and rate-regulation facts; no utility entity lookup. |\n| **Q1 — Territory and §1029 dealer boundary** | **Partial.** Part-1002 boundary and Act preservation established. | C008; S005, S014 | Complete counterpart part-202 treatment for an excluded dealer not completed. Next: published counterpart regulation and transfer-rule analysis only. |\n| **Q1 — Currentness/effective/later history** | **Partial, expressly bounded.** Current agency text and relevant final rules read. | C037, C058–C064 | No complete session-law lag audit, official annual-CFR audit, or universe of judicial orders. Next: targeted published amendments/opinions, without case-record searches. |\n| **Q2 — Individually qualified applicant; Q6(a)** | **Answered** with exceptions visible. | C016; H01 | Actual qualification not assessed; contract consequence/remedy remains separate. |\n| **Q2 — Genuine joint application; Q6(b)** | **Answered.** Contemporaneous intent and separate evidence requirements covered. | C017–C018; H02 | Need application-stage evidence, not just a later note or financial statement. |\n| **Q2 — Unsecured joint property: valuation** | **Answered.** Existing-interest valuation and speculative-change prohibition covered. | C019–C020; H10 | State attachment/partition rules and value/cost facts missing. Next: state published law for a specified generic ownership form. |\n| **Q2 — Unsecured joint property: instruments/options** | **Answered.** Necessity, death/default access, alternatives, and forfeiture limit covered. | C021–C022; H10 | Exact instrument and state-law necessity missing. |\n| **Q2 — Community property; Q6(e)** | **Answered rule; application unresolved.** Both required financial/property conditions stated. | C023; H05 | State management/control, separate/community characterization, and sufficiency facts missing. |\n| **Q2 — Secured collateral-only signature; Q6(c)** | **Answered.** Security access distinguished from personal promise. | C024–C025; H03 | State lien-creation requirements and full instrument missing; perfection/priority/remedies excluded. |\n| **Q2 — Integrated note/security document** | **Answered.** Clear limitation requirement and example of nearby legend covered. | C026; H03 | Need the whole document; no unseen signature block or legend treated as inspected. |\n| **Q2 — Additional personal party and spouse choice** | **Answered.** Necessity does not authorize a spouse-only condition. | C027–C028; H01 | Actual standards, reason, and eligibility restrictions missing. |\n| **Q2 — Other person’s/spouse’s income** | **Answered.** Separate-income and future-earnings conditions covered. | C029; H11 | Actual reliance and state income characterization missing. |\n| **Q2 — Business role and guarantor’s spouse; Q6(d)** | **Answered.** Qualified-business exception and spouse protection both covered. | C030–C031; H04 | Role, financial circumstances, guarantee terms, and state law missing. |\n| **Q2 — Renewals, extensions, release** | **Answered** at definition and conditional-comment scope. | C007, C032; H09 | Reevaluation, continuing justification, and effect on existing obligations missing. General release/novation law excluded. |\n| **Q2 — Existing open-end account changes** | **Answered** only as material to signature/reapplication issues. | C033 | Supporting-income facts and existing terms missing; no general adverse-action survey. |\n| **Q2/Q5 — Authorized-user and overdraft distinctions** | **Answered.** Permissible required undertaking separated from actual agreement. | C006, C034; H15 | Express contractual undertaking and other possible legal bases unproved. |\n| **Q2 — Special-purpose-program exception** | **Answered rule; actual program unresolved.** Current prerequisites and law-required signature condition covered. | C035–C037; H13 | Specific program law, date/version, and compliant generic materials missing; actual eligibility excluded. |\n| **Q3 — FTC creditor/debt/consumer/commerce coverage** | **Answered** at rule-definition level. | C039–C040 | Actual institutional and transaction facts absent; statutory cross-reference classification not performed for any entity. |\n| **Q3 — Real-estate-purchase scope** | **Answered as published FTC interpretation**, not invented rule wording. | C041 | Boundary cases such as mixed-purpose/refinancing structures not comprehensively researched. Next: targeted official published interpretation for a defined generic structure. |\n| **Q3 — Cosigner versus co-borrower; Q6(f)** | **Answered.** Natural-person, another’s obligation, compensation, benefit, and label conditions covered. | C042–C044; H06 | Actual benefit allocation and obligation terms missing. |\n| **Q3 — Defaulted obligation/forbearance** | **Answered.** Express definitional branch included. | C042, C046; H14 | New undertaking’s formation and prior delivery evidence missing. |\n| **Q3 — Complete required notice content** | **Answered.** All four paragraphs and heading accounted for. | C048–C051; S015 | Paraphrase is not a substitute compliance form; actual notice version not reviewed. |\n| **Q3 — Timing and open-end trigger** | **Answered.** Before obligation; future-charge agreement execution for open-end credit. | C046; H07 | Actual chronology unproved. No invented advance-day rule or expiry period. |\n| **Q3 — Format, packet placement, language** | **Answered with authority levels separated.** Rule versus staff implementation guidance distinguished. | C047, C052 | Complete generic packet, additions, and applicable state-language rules absent. Electronic-delivery law excluded. |\n| **Q3 — Collection sequence and rights** | **Answered as warning and limitation.** No universal collection-first priority inferred. | C050, C052 | State sequence, contract waivers, judicial procedures, exemptions, and actual remedies remain missing. |\n| **Q3 — Records, copies, acknowledgment** | **Answered within part 444 and the official materials read.** | C051, C053–C054 | Other retention/copy statutes and actual delivery evidence unreviewed; absence of a file copy is not decisive. |\n| **Q3 — Missing/late notice; Q6(g)** | **Answered at compliance level; remedy unresolved.** | C057; H07 | Need formation timing, delivery proof, governing remedies law, and forum. No automatic release or private cause inferred. |\n| **Q3 — FTC state/person exemptions** | **Partial.** Complete mechanisms read; specific current determinations not verified. | C055–C056 | A historical California exemption reference surfaced, but operative/current determination was not read. Next: the published FTC determination and any published amendment/revocation, without state-wide liability surveying. |\n| **Q4 — Bank/CU/nonbank distinction; Q6(h)** | **Answered framework; actual coverage unresolved.** | C040, C058–C064; H08 | Exact statutory actor class absent; no roster used. |\n| **Q4 — Federal Reserve and NCUA repeals** | **Answered.** Actual final-rule bodies/instructions and dates read. | C058–C059 | No actual pre-repeal transaction adjudicated; other laws remain separate. |\n| **Q4 — OTS/OCC history** | **Partial historical reconstruction.** Joint explanation and actual integration/removal documents consulted. | C060 | Full 2011 republication comparison and any correction to the later printed effective date not verified. Next: published correction/republication text only if that historical date matters. |\n| **Q4 — 2014 guidance current status** | **Partial across publishers.** CFPB/NCUA status verified; Fed/OCC pages checked; FDIC blocked. | C062–C063 | FDIC publisher status not established. Next: an accessible official publication or withdrawal notice; no access workaround. |\n| **Q4 — Statutory authority versus new notice duty** | **Answered at bounded level.** Repeal, statutes, and guidance separated. | C061, C063 | A particular conduct-based UDAAP determination requires its statutory elements and facts; none made. |\n| **Q4 — Proposed replacement** | **Answered for the identified proposal.** Actual withdrawal and later agency acknowledgment read. | C064 | No assertion that an old proposal page is current law; no exhaustive inventory of every possible product-specific duty. |\n| **Q5 — Blank liability/signature audit** | **Answered.** W01–W28 provided, with blank findings. | C038, C066; worksheet | Actual formation, authority, signatures, state-law effects, and remedies deliberately unresolved. |\n| **Q6 — All eight required branches and additional failures** | **Answered.** H01–H08 map directly to (a)–(h); H09–H15 cover additional material branches. | H01–H15 | Hypotheses are assumptions for analysis, not records, actual qualification findings, or real liability decisions. |\n| **General debt/TILA/FDCPA gateways; comprehensive state/remedy/litigation surveys** | **Excluded by assignment.** | Parent holds below | No prior report assumed to have completed these dimensions. |\n\n## 10. Read and failure log\n\nThe source table is the affirmative read log: it identifies the actual bodies read and the portions not read. This supplementary log records retrieval failures, limited visual access, and status conflicts. A failure is not evidence that a rule, exemption, or document does not exist.\n\n| Log item | Exact route(s) / event | Result and treatment |\n| --- | --- | --- |\n| **F01 — Legacy House routes** | [https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section1691a&num=0&edition=prelim](https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section1691a&num=0&edition=prelim) ; [https://uscode.house.gov/view.xhtml?req=%28title%3A15+section%3A1691a+edition%3Aprelim%29](https://uscode.house.gov/view.xhtml?req=(title:15+section:1691a+edition:prelim)&utm_source=chatgpt.com) ; [https://uscode.house.gov/view.xhtml?req=%28title%3A15+section%3A1691+edition%3Aprelim%29](https://uscode.house.gov/view.xhtml?req=%28title%3A15+section%3A1691+edition%3Aprelim%29) | 404/maintenance responses on these routes. Necessary statutory bodies were subsequently read through S001–S002’s canonical compilation URLs. |\n| **F02 — Earlier §1691d/e routes** | [https://uscode.house.gov/us/usc/119-121/t15/s1691d/](https://uscode.house.gov/us/usc/119-121/t15/s1691d/?utm_source=chatgpt.com) ; [https://uscode.house.gov/us/usc/119-121/t15/s1691e/](https://uscode.house.gov/us/usc/119-121/t15/s1691e/) ; [https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section1691d&num=0&edition=prelim](https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section1691d&num=0&edition=prelim) ; [https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section1691e&num=0&edition=prelim](https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section1691e&num=0&edition=prelim) | Timeout/server/404 failures. Resolved by S003–S004’s 119-124 compilation URLs. |\n| **F03 — Annual-code alternatives** | [https://www.govinfo.gov/content/pkg/USCODE-2025-title15/html/USCODE-2025-title15-chap41-subchapIV-sec1691d.htm](https://www.govinfo.gov/content/pkg/USCODE-2025-title15/html/USCODE-2025-title15-chap41-subchapIV-sec1691d.htm) ; [https://www.govinfo.gov/content/pkg/USCODE-2025-title15/html/USCODE-2025-title15-chap41-subchapIV-sec1691e.htm](https://www.govinfo.gov/content/pkg/USCODE-2025-title15/html/USCODE-2025-title15-chap41-subchapIV-sec1691e.htm) | Tool-inaccessible. Not counted as statutory reads; canonical House bodies supplied the necessary text. |\n| **F04 — FDIC guidance status** | [https://www.fdic.gov/news/financial-institution-letters/2014/fil14044.html](https://www.fdic.gov/news/financial-institution-letters/2014/fil14044.html?utm_source=chatgpt.com) ; [https://www.fdic.gov/laws-and-regulations/fdic-and-interagency-statements](https://www.fdic.gov/laws-and-regulations/fdic-and-interagency-statements?utm_source=chatgpt.com) | Both returned **403**. FDIC current publisher status remains unresolved. Search discovery was not substituted for a body read. |\n| **F05 — eCFR access challenge** | [https://www.ecfr.gov/current/title-12/chapter-X/part-1002/subpart-A/section-1002.7](https://www.ecfr.gov/current/title-12/chapter-X/part-1002/subpart-A/section-1002.7?utm_source=chatgpt.com) ; resulting access page [https://unblock.federalregister.gov/](https://unblock.federalregister.gov/) | A later retrieval encountered an access/CAPTCHA page. No workaround attempted. Complete necessary regulation/commentary read from CFPB’s public regulation page. |\n| **F06 — Wrong-date NCUA route** | [https://www.govinfo.gov/content/pkg/FR-2014-09-29/pdf/2014-22715.pdf](https://www.govinfo.gov/content/pkg/FR-2014-09-29/pdf/2014-22715.pdf) | Inaccessible. Correct October 3 publication retrieved and read at S021. |\n| **F07 — OCC historical route** | [https://www.govinfo.gov/link/fr/76/48950](https://www.govinfo.gov/link/fr/76/48950) | Inaccessible. The alternate published-page link in S022 returned the 250-page integration document. Only the stated portions were read; no full-document omission comparison claimed. |\n| **F08 — Appendix B and visual limits** | [https://www.govinfo.gov/content/pkg/CFR-2026-title12-vol8/pdf/CFR-2026-title12-vol8-part1002-appB.pdf](https://www.govinfo.gov/content/pkg/CFR-2026-title12-vol8/pdf/CFR-2026-title12-vol8-part1002-appB.pdf) ; S013’s two image URLs. | Guessed annual-appendix route inaccessible. Image retrieval returned markers rather than inspectable pixels. No form-layout or image-text findings are claimed. Official introductory text and model legal clauses support the worksheet. |\n| **F09 — Historical exemption discovery** | [https://www.govinfo.gov/content/pkg/FR-1988-06-01/pdf/FR-1988-06-01.pdf](https://www.govinfo.gov/content/pkg/FR-1988-06-01/pdf/FR-1988-06-01.pdf?utm_source=chatgpt.com) | Whole-issue retrieval failed for size. A discovery reference to a California exemption was not promoted into a read/current exemption conclusion. C055’s mechanism is established; particular determinations remain a gap. |\n| **F10 — Treasury HTML alternative** | [https://www.govinfo.gov/content/pkg/FR-2017-10-11/html/2017-21904.htm](https://www.govinfo.gov/content/pkg/FR-2017-10-11/html/2017-21904.htm) | Inaccessible; official PDF in S022 was read. Its printed 2018 effective date was retained as printed, not silently replaced with publication year. A screenshot response did not yield verified pixels; PDF text is not called visual inspection. |\n| **F11 — CFPB index follow-through** | Starting page: [https://www.consumerfinance.gov/compliance/guidance/](https://www.consumerfinance.gov/compliance/guidance/?utm_source=chatgpt.com) | One attempted link-follow operation could not resolve its target. The actual index body, withdrawal register, and full joint guidance at the Federal Reserve were read separately. |\n| **F12 — Irrelevant later-notice discovery** | [https://downloads.regulations.gov/FTC-2026-0728-0001/content.pdf](https://downloads.regulations.gov/FTC-2026-0728-0001/content.pdf?utm_source=chatgpt.com) | A generic current-rule search surfaced this June 2026 notice; download returned 403. Discovery identified a Privacy Act notice, not a credit-practices rule. It supplies no substantive support here; no underlying personal records were accessed. |\n| **F13 — Proposal page versus legal status** | All three complete URLs in **S026**. | The old landing page still describes a proposal. The actual May 2025 withdrawal and August 2026 agency statement control the reported status; an old page heading was not treated as a new rule. |\n| **F14 — Retrieval truncation and repeat reads** | Some batched public-web outputs were truncated. | Necessary bodies were reopened in bounded portions. Unseen truncated material was not counted as read. Reopening the same document is not independent corroboration. |\n| **F15 — Judicial read limits** | Complete published opinion/disposition URLs in **S027–S028**. | Majority body and Supreme Court disposition read. No case-record/docket-status query, comprehensive citator, all-circuit survey, or unseen majority opinion claimed. |\n| **F16 — Side-source not used to establish a counterpart regime** | [https://www.ecfr.gov/current/title-12/chapter-II/subchapter-A/part-202/section-202.1](https://www.ecfr.gov/current/title-12/chapter-II/subchapter-A/part-202/section-202.1?utm_source=chatgpt.com) | Scope text was consulted, but a complete current part-202 signature/counterpart analysis was not performed. The §1029 boundary remains expressly partial rather than being filled from assumption. |\n\n**Visual and transcription limit:** no equation was involved. No unseen image pixels, full form layout, or PDF table layout is represented as visually inspected. The conclusions rely on the operative text actually retrieved and read.\n\n## 11. Assigned-question → source/claim crosswalk\n\n| Assigned question | Principal sources | Claims / deliverables |\n| --- | --- | --- |\n| **1. Necessary ECOA/Regulation B coverage, applicant/guarantor definition, standing and currentness limits** | S001–S007, S012, S014, S027–S028 | C001–C015, C037, C065; corresponding coverage rows and judicial read limits |\n| **2. Every additional-signature/spouse branch, joint intent, collateral, business, renewal/change** | S003, S006, S008–S013 | C016–C038; H01–H05, H09–H13, H15; W04–W18, W25–W26 |\n| **3. FTC exact coverage, cosigner definition, full notice, timing, format, copies/records, remedies limits** | S015–S018 | C039–C057; complete notice-content rows C048–C051; H06–H07, H14; W19–W24 |\n| **4. Bank/CU/thrift changes, repeals, current guidance status, statutory authority** | S018–S026 | C040, C058–C064; institution table; H08; F04, F07, F10, F13 |\n| **5. Blank generic document/signature/liability audit** | S006, S008, S010, S013, S015–S017, S027–S028 | W01–W28; C006, C038, C051–C057, C065–C066 |\n| **6. At least eight hypothetical qualitative failure branches** | Underlying claim sources above | H01–H08 satisfy the specified branches; H09–H15 add renewal, valuation, income, incidental credit, program, forbearance, and account-access branches |\n\n## 12. Explicit self-check — not independent review\n\n| Check | Result |\n| --- | --- |\n| Actual current-date public browsing | Performed on October 27, 2026, America/Los_Angeles; source/version cutoffs separately recorded. |\n| Complete relevant operative bodies | Complete §1002.7(d) and its official comments; necessary adjacent clauses/comments; complete part 444 including notice and exemption conditions read. |\n| Exceptions preserved | Securities, incidental, government, utility, property, income, business-role, special-program, institutional, and exemption mechanisms identified. |\n| Regulatory definition versus statutory remedy | Kept separate; no uniform guarantor standing or private-remedy conclusion inferred. |\n| Notice versus agreement | Explicitly separated; no receipt-as-guaranty or missing-notice-as-release inference. |\n| Current guidance status | CFPB registers and publisher pages checked; FDIC retrieval gap remains visible. Withdrawn ECOA advisories not used as operative support. |\n| Judicial evidence | Complete relevant majority body and Supreme Court disposition read; posture, disposition, pinpoint, and later-history limits recorded. |\n| Visible deliverables | Source, claim, institution, worksheet, hypothetical, coverage, failure-log, crosswalk, and self-check tables appear in this answer. |\n| Actual-data and owner limits | No actual liability/eligibility decision, institution roster, borrower/property/account lookup, record request, filing, contact, form completion, publication, local coordinator file, or subagent work. |\n| Independent review / acceptance | **None claimed.** This is the same researcher’s self-check, not independent legal review, operational acceptance, or parent completion. |\n\n## 13. Remaining parent dimensions and specific holds\n\nThis pass leaves the following dimensions open:\n\n| Parent dimension | Specific matters still held |\n| --- | --- |\n| **Actual formation and attribution** | Contract formation; assent; authority and agency; signature authenticity; identity; fraud; ratification; assumption; release; novation. The narrow renewal-release comment does not complete general release law. |\n| **Guaranty and suretyship law** | Full guaranty construction; suretyship defenses; modification effects; waiver validity; contribution; reimbursement; subrogation. |\n| **Marital and other personal-status law** | Full marital/community-property regimes; family/necessaries obligations; succession and estates; minors and incapacity; state, local, tribal, and foreign law. |\n| **Security and remedies against property** | Attachment, perfection, priority, lien enforceability, foreclosure and other secured remedies, recourse/nonrecourse consequences, and property-specific exemptions. |\n| **Product-specific obligations** | Student, medical, housing, utility, tax, public, employment, business, and foreign obligations; product-specific notice, copy, cancellation, and release requirements. |\n| **Lifecycle, procedure, and remedies** | Insolvency/discharge; limitations; evidence and burdens; claimant status and standing in the relevant forum; court procedures; enforcement and remedies; the remaining debt lifecycle. |\n| **Programs, settlement, and operations** | Actual program eligibility; settlement suitability; tools and other A003 dimensions; operations and publication decisions. |\n| **Unfinished bounded authority checks** | Specific current FTC exemption determinations; FDIC publisher status; full excluded-dealer counterpart treatment; complete current forum-specific guarantor authority; and any transaction-date-specific legislative or judicial history needed for a later defined question. |\n\n**This is the first focused R003/A003 component only. It does not constitute A003, component, state, parent, operations, or publication acceptance, and it does not establish full parent completion.**\n\nEND R003 PASS-01\n\n","tables":[{"headers":["Source ID","Title / issuer and complete literal HTTPS URL(s)","Exact pinpoint and read extent","Version, status, jurisdiction, and check limits"],"index":0,"links":[{"href":"https://uscode.house.gov/us/usc/119-121/t15/s1691/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-121/t15/s1691/"},{"href":"https://uscode.house.gov/us/usc/119-121/t15/s1691a/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-121/t15/s1691a/"},{"href":"https://uscode.house.gov/us/usc/119-124/t15/s1691d/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-124/t15/s1691d/"},{"href":"https://uscode.house.gov/us/usc/119-124/t15/s1691e/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-124/t15/s1691e/"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1002/1/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1002/1/"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1002/2/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1002/2/"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1002/3/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1002/3/"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1002/7/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1002/7/"},{"href":"https://www.ecfr.gov/current/title-12/chapter-X/part-1002/section-1002.7?utm_source=chatgpt.com","text":"https://www.ecfr.gov/current/title-12/chapter-X/part-1002/section-1002.7"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1002/6/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1002/6/"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1002/11/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1002/11/"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1002/8/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1002/8/"},{"href":"https://www.govinfo.gov/content/pkg/FR-2026-04-22/pdf/2026-07804.pdf?utm_source=chatgpt.com","text":"https://www.govinfo.gov/content/pkg/FR-2026-04-22/pdf/2026-07804.pdf"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1002/b/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1002/b/"},{"href":"https://files.consumerfinance.gov/f/images/cfpb_regulations_ER21DE11-046.original.png","text":"https://files.consumerfinance.gov/f/images/cfpb_regulations_ER21DE11-046.original.png"},{"href":"https://files.consumerfinance.gov/f/images/cfpb_regulations_ER21DE11-047.original.png","text":"https://files.consumerfinance.gov/f/images/cfpb_regulations_ER21DE11-047.original.png"},{"href":"https://uscode.house.gov/us/usc/119-124/t12/s5519/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-124/t12/s5519/"},{"href":"https://www.ecfr.gov/current/title-16/chapter-I/subchapter-D/part-444?utm_source=chatgpt.com","text":"https://www.ecfr.gov/current/title-16/chapter-I/subchapter-D/part-444"},{"href":"https://www.ftc.gov/business-guidance/resources/complying-credit-practices-rule?utm_source=chatgpt.com","text":"https://www.ftc.gov/business-guidance/resources/complying-credit-practices-rule"},{"href":"https://consumer.ftc.gov/articles/cosigning-loan-faqs?utm_source=chatgpt.com","text":"https://consumer.ftc.gov/articles/cosigning-loan-faqs"},{"href":"https://uscode.house.gov/us/usc/119-124/t15/s44/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-124/t15/s44/"},{"href":"https://uscode.house.gov/us/usc/119-121/t15/s45/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-121/t15/s45/"},{"href":"https://uscode.house.gov/us/usc/119-124/t15/s57a/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-124/t15/s57a/"},{"href":"https://uscode.house.gov/us/usc/119-121/t12/s5531/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-121/t12/s5531/"},{"href":"https://uscode.house.gov/us/usc/119-121/t12/s5536/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-121/t12/s5536/"},{"href":"https://www.govinfo.gov/content/pkg/FR-2016-02-18/pdf/2016-03228.pdf?utm_source=chatgpt.com","text":"https://www.govinfo.gov/content/pkg/FR-2016-02-18/pdf/2016-03228.pdf"},{"href":"https://www.govinfo.gov/content/pkg/FR-2014-10-03/pdf/2014-22715.pdf?utm_source=chatgpt.com","text":"https://www.govinfo.gov/content/pkg/FR-2014-10-03/pdf/2014-22715.pdf"},{"href":"https://www.govinfo.gov/link/fr/76/49047?utm_source=chatgpt.com","text":"https://www.govinfo.gov/link/fr/76/49047"},{"href":"https://www.govinfo.gov/content/pkg/FR-2017-10-11/pdf/2017-21904.pdf?utm_source=chatgpt.com","text":"https://www.govinfo.gov/content/pkg/FR-2017-10-11/pdf/2017-21904.pdf"},{"href":"https://www.federalreserve.gov/frrs/guidance/interagency-guidance-regarding-unfair-or-deceptive-credit-practices.htm?utm_source=chatgpt.com","text":"https://www.federalreserve.gov/frrs/guidance/interagency-guidance-regarding-unfair-or-deceptive-credit-practices.htm"},{"href":"https://www.federalreserve.gov/supervisionreg/caletters/caltr1405.htm?utm_source=chatgpt.com","text":"https://www.federalreserve.gov/supervisionreg/caletters/caltr1405.htm"},{"href":"https://www.occ.gov/news-issuances/bulletins/2014/bulletin-2014-42.html?utm_source=chatgpt.com","text":"https://www.occ.gov/news-issuances/bulletins/2014/bulletin-2014-42.html"},{"href":"https://ncua.gov/regulation-supervision/letters-credit-unions-other-guidance/unfair-or-deceptive-credit-practices?utm_source=chatgpt.com","text":"https://ncua.gov/regulation-supervision/letters-credit-unions-other-guidance/unfair-or-deceptive-credit-practices"},{"href":"https://www.consumerfinance.gov/compliance/guidance/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/compliance/guidance/"},{"href":"https://www.consumerfinance.gov/compliance/guidance/withdrawn-guidance/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/compliance/guidance/withdrawn-guidance/"},{"href":"https://www.govinfo.gov/content/pkg/FR-2025-05-15/pdf/2025-08645.pdf?utm_source=chatgpt.com","text":"https://www.govinfo.gov/content/pkg/FR-2025-05-15/pdf/2025-08645.pdf"},{"href":"https://www.consumerfinance.gov/rules-policy/rules-under-development/prohibited-terms-and-conditions-in-agreements-for-consumer-financial-products-or-services-regulation-aa/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/rules-under-development/prohibited-terms-and-conditions-in-agreements-for-consumer-financial-products-or-services-regulation-aa/"},{"href":"https://www.govinfo.gov/content/pkg/FR-2026-08-14/pdf/2026-16603.pdf?utm_source=chatgpt.com","text":"https://www.govinfo.gov/content/pkg/FR-2026-08-14/pdf/2026-16603.pdf"},{"href":"https://www.govinfo.gov/content/pkg/USCOURTS-ca8-13-03065/pdf/USCOURTS-ca8-13-03065-0.pdf?utm_source=chatgpt.com","text":"https://www.govinfo.gov/content/pkg/USCOURTS-ca8-13-03065/pdf/USCOURTS-ca8-13-03065-0.pdf"},{"href":"https://www.govinfo.gov/content/pkg/USREPORTS-577/pdf/USREPORTS-577-495.pdf?utm_source=chatgpt.com","text":"https://www.govinfo.gov/content/pkg/USREPORTS-577/pdf/USREPORTS-577-495.pdf"}],"row_links":[[],[{"href":"https://uscode.house.gov/us/usc/119-121/t15/s1691/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-121/t15/s1691/"}],[{"href":"https://uscode.house.gov/us/usc/119-121/t15/s1691a/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-121/t15/s1691a/"}],[{"href":"https://uscode.house.gov/us/usc/119-124/t15/s1691d/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-124/t15/s1691d/"}],[{"href":"https://uscode.house.gov/us/usc/119-124/t15/s1691e/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-124/t15/s1691e/"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1002/1/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1002/1/"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1002/2/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1002/2/"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1002/3/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1002/3/"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1002/7/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1002/7/"},{"href":"https://www.ecfr.gov/current/title-12/chapter-X/part-1002/section-1002.7?utm_source=chatgpt.com","text":"https://www.ecfr.gov/current/title-12/chapter-X/part-1002/section-1002.7"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1002/6/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1002/6/"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1002/11/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1002/11/"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1002/8/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1002/8/"}],[{"href":"https://www.govinfo.gov/content/pkg/FR-2026-04-22/pdf/2026-07804.pdf?utm_source=chatgpt.com","text":"https://www.govinfo.gov/content/pkg/FR-2026-04-22/pdf/2026-07804.pdf"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1002/b/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1002/b/"},{"href":"https://files.consumerfinance.gov/f/images/cfpb_regulations_ER21DE11-046.original.png","text":"https://files.consumerfinance.gov/f/images/cfpb_regulations_ER21DE11-046.original.png"},{"href":"https://files.consumerfinance.gov/f/images/cfpb_regulations_ER21DE11-047.original.png","text":"https://files.consumerfinance.gov/f/images/cfpb_regulations_ER21DE11-047.original.png"}],[{"href":"https://uscode.house.gov/us/usc/119-124/t12/s5519/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-124/t12/s5519/"}],[{"href":"https://www.ecfr.gov/current/title-16/chapter-I/subchapter-D/part-444?utm_source=chatgpt.com","text":"https://www.ecfr.gov/current/title-16/chapter-I/subchapter-D/part-444"}],[{"href":"https://www.ftc.gov/business-guidance/resources/complying-credit-practices-rule?utm_source=chatgpt.com","text":"https://www.ftc.gov/business-guidance/resources/complying-credit-practices-rule"}],[{"href":"https://consumer.ftc.gov/articles/cosigning-loan-faqs?utm_source=chatgpt.com","text":"https://consumer.ftc.gov/articles/cosigning-loan-faqs"}],[{"href":"https://uscode.house.gov/us/usc/119-124/t15/s44/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-124/t15/s44/"},{"href":"https://uscode.house.gov/us/usc/119-121/t15/s45/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-121/t15/s45/"},{"href":"https://uscode.house.gov/us/usc/119-124/t15/s57a/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-124/t15/s57a/"}],[{"href":"https://uscode.house.gov/us/usc/119-121/t12/s5531/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-121/t12/s5531/"},{"href":"https://uscode.house.gov/us/usc/119-121/t12/s5536/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-121/t12/s5536/"}],[{"href":"https://www.govinfo.gov/content/pkg/FR-2016-02-18/pdf/2016-03228.pdf?utm_source=chatgpt.com","text":"https://www.govinfo.gov/content/pkg/FR-2016-02-18/pdf/2016-03228.pdf"}],[{"href":"https://www.govinfo.gov/content/pkg/FR-2014-10-03/pdf/2014-22715.pdf?utm_source=chatgpt.com","text":"https://www.govinfo.gov/content/pkg/FR-2014-10-03/pdf/2014-22715.pdf"}],[{"href":"https://www.govinfo.gov/link/fr/76/49047?utm_source=chatgpt.com","text":"https://www.govinfo.gov/link/fr/76/49047"},{"href":"https://www.govinfo.gov/content/pkg/FR-2017-10-11/pdf/2017-21904.pdf?utm_source=chatgpt.com","text":"https://www.govinfo.gov/content/pkg/FR-2017-10-11/pdf/2017-21904.pdf"}],[{"href":"https://www.federalreserve.gov/frrs/guidance/interagency-guidance-regarding-unfair-or-deceptive-credit-practices.htm?utm_source=chatgpt.com","text":"https://www.federalreserve.gov/frrs/guidance/interagency-guidance-regarding-unfair-or-deceptive-credit-practices.htm"}],[{"href":"https://www.federalreserve.gov/supervisionreg/caletters/caltr1405.htm?utm_source=chatgpt.com","text":"https://www.federalreserve.gov/supervisionreg/caletters/caltr1405.htm"},{"href":"https://www.occ.gov/news-issuances/bulletins/2014/bulletin-2014-42.html?utm_source=chatgpt.com","text":"https://www.occ.gov/news-issuances/bulletins/2014/bulletin-2014-42.html"},{"href":"https://ncua.gov/regulation-supervision/letters-credit-unions-other-guidance/unfair-or-deceptive-credit-practices?utm_source=chatgpt.com","text":"https://ncua.gov/regulation-supervision/letters-credit-unions-other-guidance/unfair-or-deceptive-credit-practices"}],[{"href":"https://www.consumerfinance.gov/compliance/guidance/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/compliance/guidance/"},{"href":"https://www.consumerfinance.gov/compliance/guidance/withdrawn-guidance/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/compliance/guidance/withdrawn-guidance/"}],[{"href":"https://www.govinfo.gov/content/pkg/FR-2025-05-15/pdf/2025-08645.pdf?utm_source=chatgpt.com","text":"https://www.govinfo.gov/content/pkg/FR-2025-05-15/pdf/2025-08645.pdf"},{"href":"https://www.consumerfinance.gov/rules-policy/rules-under-development/prohibited-terms-and-conditions-in-agreements-for-consumer-financial-products-or-services-regulation-aa/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/rules-under-development/prohibited-terms-and-conditions-in-agreements-for-consumer-financial-products-or-services-regulation-aa/"},{"href":"https://www.govinfo.gov/content/pkg/FR-2026-08-14/pdf/2026-16603.pdf?utm_source=chatgpt.com","text":"https://www.govinfo.gov/content/pkg/FR-2026-08-14/pdf/2026-16603.pdf"}],[{"href":"https://www.govinfo.gov/content/pkg/USCOURTS-ca8-13-03065/pdf/USCOURTS-ca8-13-03065-0.pdf?utm_source=chatgpt.com","text":"https://www.govinfo.gov/content/pkg/USCOURTS-ca8-13-03065/pdf/USCOURTS-ca8-13-03065-0.pdf"}],[{"href":"https://www.govinfo.gov/content/pkg/USREPORTS-577/pdf/USREPORTS-577-495.pdf?utm_source=chatgpt.com","text":"https://www.govinfo.gov/content/pkg/USREPORTS-577/pdf/USREPORTS-577-495.pdf"}]],"rows":[["Source ID","Title / issuer and complete literal HTTPS URL(s)","Exact pinpoint and read extent","Version, status, jurisdiction, and check limits"],["R003-P1-S001","15 U.S.C. §1691, Scope of prohibition — House OLRC. https://uscode.house.gov/us/usc/119-121/t15/s1691/","Necessary operative text: §1691(a), (b), and (c), including marital inquiry and special-program provisions; relevant amendment/effective-date notes. Other displayed provisions were not used for a general adverse-action survey.","Fresh; D. Compilation through Public Law 119-121, October 9, 2026. Federal statute; no complete post-compilation session-law audit."],["R003-P1-S002","15 U.S.C. §1691a, Definitions; rules of construction — House OLRC. https://uscode.house.gov/us/usc/119-121/t15/s1691a/","Complete operative subsections (a)–(g), including statutory applicant, credit, creditor, person, and regulatory-reference provisions; displayed amendment notes.","Fresh; D. Compilation through October 9, 2026. Statutory definition must be distinguished from the regulation’s special guarantor inclusion."],["R003-P1-S003","15 U.S.C. §1691d, Applicability of other laws — House OLRC. https://uscode.house.gov/us/usc/119-124/t15/s1691d/","Complete operative (a)–(g); particular reliance on lien/property signatures, state property law, narrowly framed separate-credit preemption, and state-law preservation/exemption provisions.","Fresh; D. Compilation through Public Law 119-124, October 15, 2026. No all-state property or remedies analysis."],["R003-P1-S004","15 U.S.C. §1691e, Civil liability — House OLRC. https://uscode.house.gov/us/usc/119-124/t15/s1691e/","Operative body retrieved; used principally (a), (c), and (e): aggrieved-applicant liability, court-granted equitable/declaratory relief, and good-faith conformity protection. No deadline or award calculation.","Fresh; D. Compilation through October 15, 2026. Does not resolve a particular guarantor’s statutory entitlement, jurisdiction, defenses, or remedy."],["R003-P1-S005","12 C.F.R. §1002.1, Authority, scope and purpose — CFPB. https://www.consumerfinance.gov/rules-policy/regulations/1002/1/","Complete operative section and official comments 1(a)-1 through -3.","Fresh; D. Agency labels current. U.S. lending, including Puerto Rico and territories; generally excludes lending outside the U.S. Part-specific motor-vehicle-dealer exclusion is expressly distinguished from ECOA itself."],["R003-P1-S006","12 C.F.R. §1002.2, Definitions — CFPB. https://www.consumerfinance.gov/rules-policy/regulations/1002/2/","Complete necessary clauses: (e)–(j), (l)–(n), (q), (u), (w), (x), (z), (aa); relevant official comments to (e), (f), (g), (j), (l), (w), and (z).","Fresh; D. Agency labels current. No general scoring, adverse-action, TILA, or debt-classification survey inferred from incidental displayed text."],["R003-P1-S007","12 C.F.R. §1002.3, Limited exceptions — CFPB. https://www.consumerfinance.gov/rules-policy/regulations/1002/3/","Complete (a)–(d) and associated comments; especially (b)(2)(vi), (c)(2)(v), and (d)(2).","Fresh; D. Agency labels current. Essential limits on applying §1002.7(d) to securities, incidental, and government credit."],["R003-P1-S008","12 C.F.R. §1002.7, Rules concerning extensions of credit — CFPB; eCFR cross-check. https://www.consumerfinance.gov/rules-policy/regulations/1002/7/ ; https://www.ecfr.gov/current/title-12/chapter-X/part-1002/section-1002.7","Complete §7(d)(1)–(6) and every accompanying official comment; also complete relevant §7(a), §7(c), and comments. The CFPB body is the substantive reading source.","Fresh; D. CFPB labels current. Initial eCFR page showed Title 12 currency through October 23, 2026; later canonical retrieval encountered an access challenge. No workaround; see failure log."],["R003-P1-S009","12 C.F.R. §1002.6, Evaluation of applications — CFPB. https://www.consumerfinance.gov/rules-policy/regulations/1002/6/","§6(b)(8), relevant marital-status commentary, and §6(c), concerning equal standards and state property law.","Fresh; D. Agency labels current. Only provisions necessary to signature/property distinctions used."],["R003-P1-S010","12 C.F.R. §1002.11, Relation to state law — CFPB. https://www.consumerfinance.gov/rules-policy/regulations/1002/11/","Complete operative section and displayed comments; relied on (a), (b), (d), and (e).","Fresh; D. Agency labels current. State property law remains a separate inquiry; no state-by-state preemption determination made."],["R003-P1-S011","12 C.F.R. §1002.8, Special purpose credit programs — CFPB. https://www.consumerfinance.gov/rules-policy/regulations/1002/8/","Complete current operative (a)–(d) and all displayed official comments. Signature sentence in (d); program prerequisites in (a)–(b); information provision in (c).","Fresh; D. Agency labels current. Current 2026 program conditions used; no actual program eligibility or compliance finding."],["R003-P1-S012","Equal Credit Opportunity Act (Regulation B), final rule — CFPB, 91 FR 21620. https://www.govinfo.gov/content/pkg/FR-2026-04-22/pdf/2026-07804.pdf","Printed p.21620 / index 0, summary and effective date; pp.21658–21659 / indexes 38–39, relevant §8 discussion and effective-date section; pp.21668–21670 / indexes 48–50, relevant amendment instructions and revised §8 commentary.","Fresh; D. Final, published April 22, 2026; stated effective July 21, 2026. Not a full 51-page read or judicial-status certification."],["R003-P1-S013","Appendix B, Model Application Forms — CFPB. https://www.consumerfinance.gov/rules-policy/regulations/1002/b/ ; linked Form 1 images: https://files.consumerfinance.gov/f/images/cfpb_regulations_ER21DE11-046.original.png and https://files.consumerfinance.gov/f/images/cfpb_regulations_ER21DE11-047.original.png","Complete introductory instructions 1–3 read. Image routes returned image markers, but their pixels were not available for verified visual inspection; no image-field transcription relied upon.","Fresh; D. Optional official models; limited inquiry-compliance effect under §1002.5(b)–(d). Worksheet below relies on operative clauses and official commentary, not unseen form pixels."],["R003-P1-S014","12 U.S.C. §5519, motor-vehicle-dealer exclusion — House OLRC. https://uscode.house.gov/us/usc/119-124/t12/s5519/","Relevant (a)–(d), including activity-based exclusion, statutory carvebacks, preserved other-agency authority, and FTC rulemaking provision.","Fresh; D. Compilation through October 15, 2026. Exact classification of any dealer and complete counterpart-Regulation-B treatment remain untested."],["R003-P1-S015","16 C.F.R. part 444, Credit Practices — FTC / eCFR. https://www.ecfr.gov/current/title-16/chapter-I/subchapter-D/part-444","Entire operative §§444.1–444.5 read, including complete definitions, §444.3(a)–(c), complete prescribed notice, and §444.5 exemption conditions.","Fresh; D. eCFR Title 16 currency through October 23, 2026; source note 49 FR 7789, March 1, 1984. FTC-jurisdiction consumer transactions; no complete annual-CFR/session-history audit."],["R003-P1-S016","Complying with the Credit Practices Rule — FTC staff business guidance. https://www.ftc.gov/business-guidance/resources/complying-credit-practices-rule","Complete page read; relied on “Introduction,” “What Transactions Are Covered,” “How Exemptions Are Granted,” and “Notice to Cosigners.”","Fresh; D. December 2006 booklet, edited January 2025 for penalty information. Still published; staff guidance, not amended regulatory text. Historical bank-counterpart statements are not used as current coverage proof."],["R003-P1-S017","Cosigning a Loan FAQs — FTC Consumer Advice. https://consumer.ftc.gov/articles/cosigning-loan-faqs","Complete page read; particularly obligations, state collection sequence, real-estate-purchase notice qualification, language, copies, and release advice.","Fresh; D. Dated April 2024; generic advice. Broad introductory statements must be read subject to controlling actor/transaction coverage."],["R003-P1-S018","FTC Act jurisdiction, definitions, and rulemaking provisions — House OLRC. https://uscode.house.gov/us/usc/119-124/t15/s44/ ; https://uscode.house.gov/us/usc/119-121/t15/s45/ ; https://uscode.house.gov/us/usc/119-124/t15/s57a/","Necessary §44 definitions; §45(a)(1)–(2); §57a(f)(1)–(4), (g)(1)–(3), and 2010 amendment/effective-date notes.","Fresh; D. §45 compilation through October 9; other two through October 15, 2026. Grouped statutory usage, not three independent confirmations. No actual entity classification."],["R003-P1-S019","12 U.S.C. §§5531 and 5536 — House OLRC. https://uscode.house.gov/us/usc/119-121/t12/s5531/ ; https://uscode.house.gov/us/usc/119-121/t12/s5536/","Operative §5531(a)–(f) and §5536(a)–(b), including covered-person/service-provider framework, unfairness conditions, and statutory prohibitions.","Fresh; D. Compilation through October 9, 2026. Separate statutory UDAP/UDAAP analysis; no institution-specific enforcement finding."],["R003-P1-S020","Unfair or Deceptive Acts or Practices (Regulation AA), final repeal — Federal Reserve, 81 FR 8133–8134. https://www.govinfo.gov/content/pkg/FR-2016-02-18/pdf/2016-03228.pdf","Complete relevant Federal Reserve final-rule body, printed pp.8133–8134 / indexes 0–1; neighboring agency material excluded.","Fresh; D. Published February 18, 2016; effective March 21, 2016. Removes former 12 C.F.R. part 227; explains statutory-authority repeal and non-transfer of that rulemaking authority."],["R003-P1-S021","Unfair or Deceptive Acts or Practices; Technical Amendments — NCUA, final rule. https://www.govinfo.gov/content/pkg/FR-2014-10-03/pdf/2014-22715.pdf","Complete part-706 discussion at p.59627 / index 0; relevant procedural discussion p.59628 / index 1; operative removal instruction 3 at p.59629 / index 2. Unrelated organizational amendments not treated as fully researched.","Fresh; D. Effective October 3, 2014. Part 706 removed and reserved; continuing statutory authority expressly discussed."],["R003-P1-S022","Thrift-rule history — OCC and Treasury. OCC integration rule: https://www.govinfo.gov/link/fr/76/49047 . Treasury, Removal of Office of Thrift Supervision Regulations: https://www.govinfo.gov/content/pkg/FR-2017-10-11/pdf/2017-21904.pdf","OCC: summary/effective-date material at printed p.48950 / index 0 of a 250-page PDF; not the complete republication. Treasury: complete relevant item at pp.47083–47084 / indexes 0–1, including chapter-V removal instruction.","Fresh; D. OCC document effective July 21, 2011. Treasury final published October 11, 2017; its printed DATES says October 11, 2018. No correction was verified. Treasury describes non-substantive removal of obsolete/superseded provisions."],["R003-P1-S023","Interagency Guidance Regarding Unfair or Deceptive Credit Practices — Federal Reserve, CFPB, FDIC, NCUA, OCC. https://www.federalreserve.gov/frrs/guidance/interagency-guidance-regarding-unfair-or-deceptive-credit-practices.htm","Complete guidance body and footnotes 1–12; especially footnote 9 on former OTS part 535 and footnote 11 on continued notice use.","Fresh; D. Issued August 22, 2014. Guidance status checked separately in S024–S025. Its historical future-tense repeal statements are not current-rule statements."],["R003-P1-S024","Publisher status pages for the same joint guidance. Federal Reserve: https://www.federalreserve.gov/supervisionreg/caletters/caltr1405.htm ; OCC: https://www.occ.gov/news-issuances/bulletins/2014/bulletin-2014-42.html ; NCUA: https://ncua.gov/regulation-supervision/letters-credit-unions-other-guidance/unfair-or-deceptive-credit-practices","Relevant publisher-page bodies read. NCUA letter 14-FCU-03 explicitly displays Active; Fed/OCC pages remained published without an observed rescission banner.","Fresh; D. These are status checks of one underlying guidance document, not independent legal authorities. FDIC publisher retrieval failed; see log."],["R003-P1-S025","Guidance and Withdrawn Guidance registers — CFPB. https://www.consumerfinance.gov/compliance/guidance/ ; https://www.consumerfinance.gov/compliance/guidance/withdrawn-guidance/","Current index’s 2014 credit-practices entry; withdrawal-register body checked, including relevant ECOA entries and absence of the joint credit-practices item.","Fresh; D. Index last modified June 15, 2026; withdrawal register July 22, 2026. Existing-credit advisory withdrawn May 12, 2025; special-purpose-program advisory withdrawn June 17, 2026. Those withdrawn advisories are not operative support here."],["R003-P1-S026","Proposed Regulation AA status — CFPB. Withdrawal: https://www.govinfo.gov/content/pkg/FR-2025-05-15/pdf/2025-08645.pdf ; older proposal page: https://www.consumerfinance.gov/rules-policy/rules-under-development/prohibited-terms-and-conditions-in-agreements-for-consumer-financial-products-or-services-regulation-aa/ ; 2026 agenda: https://www.govinfo.gov/content/pkg/FR-2026-08-14/pdf/2026-16603.pdf","Complete withdrawal item, printed p.20569 / index 0; complete older landing-page body; relevant CFPB priorities statement at printed p.52943 / index 151 of 2026 agenda. Not the entire agenda or proposal.","Fresh; D. Proposal withdrawn May 15, 2025; August 2026 agency statement again identifies that withdrawal. Old proposal landing page is not proof of a final/current obligation."],["R003-P1-S027","Hawkins v. Community Bank of Raymore, 761 F.3d 937 — Eighth Circuit published opinion. https://www.govinfo.gov/content/pkg/USCOURTS-ca8-13-03065/pdf/USCOURTS-ca8-13-03065-0.pdf","Complete majority body, slip pp.1–8 / indexes 0–7; especially pp.3–6 and 8. Separate concurrence not relied upon as the holding.","Fresh; D. Filed August 5, 2014; Eighth Circuit. Published summary-judgment appellate decision. Later history checked only to S028; no comprehensive later-treatment or current circuit survey."],["R003-P1-S028","Hawkins v. Community Bank of Raymore, 577 U.S. 495 — Supreme Court. https://www.govinfo.gov/content/pkg/USREPORTS-577/pdf/USREPORTS-577-495.pdf","Complete published disposition, printed p.495 / index 0.","Fresh; D. March 22, 2016; judgment affirmed by an equally divided Court. No reasoned Supreme Court majority resolving the statutory issue."]]},{"headers":["Claim ID","Area / type","Precise assertion and operative conditions","Limits and exceptions","Source / exact pinpoint"],"index":1,"links":[{"href":"https://uscode.house.gov/us/usc/119-121/t15/s1691/?utm_source=chatgpt.com","text":"uscode.house.gov"},{"href":"https://uscode.house.gov/us/usc/119-121/t15/s1691a/?utm_source=chatgpt.com","text":"uscode.house.gov\n+1"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1002/2/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1002/2/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"},{"href":"https://uscode.house.gov/us/usc/119-121/t15/s1691a/?utm_source=chatgpt.com","text":"uscode.house.gov\n+2"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1002/2/?utm_source=chatgpt.com","text":"Consumer Financial Protection 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Bureau"},{"href":"https://uscode.house.gov/us/usc/119-124/t15/s1691d/?utm_source=chatgpt.com","text":"uscode.house.gov\n+1"},{"href":"https://uscode.house.gov/us/usc/119-124/t15/s1691d/?utm_source=chatgpt.com","text":"uscode.house.gov"},{"href":"https://www.govinfo.gov/content/pkg/USCOURTS-ca8-13-03065/pdf/USCOURTS-ca8-13-03065-0.pdf?utm_source=chatgpt.com","text":"govinfo.gov\n+2"}],"row_links":[[],[{"href":"https://uscode.house.gov/us/usc/119-121/t15/s1691/?utm_source=chatgpt.com","text":"uscode.house.gov"}],[{"href":"https://uscode.house.gov/us/usc/119-121/t15/s1691a/?utm_source=chatgpt.com","text":"uscode.house.gov\n+1"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1002/2/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1002/2/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"}],[{"href":"https://uscode.house.gov/us/usc/119-121/t15/s1691a/?utm_source=chatgpt.com","text":"uscode.house.gov\n+2"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1002/2/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau\n+1"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1002/2/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1002/1/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1002/3/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1002/3/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1002/3/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1002/3/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"}],[{"href":"https://uscode.house.gov/us/usc/119-124/t15/s1691d/?utm_source=chatgpt.com","text":"uscode.house.gov\n+1"}],[{"href":"https://uscode.house.gov/us/usc/119-124/t15/s1691d/?utm_source=chatgpt.com","text":"uscode.house.gov"}],[{"href":"https://www.govinfo.gov/content/pkg/USCOURTS-ca8-13-03065/pdf/USCOURTS-ca8-13-03065-0.pdf?utm_source=chatgpt.com","text":"govinfo.gov\n+2"}]],"rows":[["Claim ID","Area / type","Precise assertion and operative conditions","Limits and exceptions","Source / exact pinpoint"],["R003-P1-C001","A003 / Text","ECOA prohibits a creditor from discriminating against an applicant concerning any aspect of a credit transaction on the enumerated bases, including sex and marital status.","This is a credit-discrimination prohibition, not a federal determination that every spouse owes, or that every debt arrangement is covered credit.","S001, §1691(a). \nuscode.house.gov"],["R003-P1-C002","A003 / Text + Comment","ECOA credit concerns a right to defer payment, incur debt and defer payment, or acquire property/services and defer payment. Regulation B generally reaches personal and commercial credit; its basic credit definition does not require a finance charge or a particular installment count.","The specific §1002.3 exceptions still matter. This does not rerun TILA or FDCPA coverage.","S002, §1691a(d), (f); S005, comment 1(a)-1; S006, §2(g), (h), (j), comment 2(j)-1. \nuscode.house.gov\n+1"],["R003-P1-C003","A003 / Text + Comment","Statutory creditor includes regular extenders, renewers, continuers, arrangers, and participating assignees. Regulation B’s operative definition includes regular participation in credit decisions, including setting terms, and participating assignees/transferees/subrogees.","The additional referral-only definition expressly applies to §4(a)–(b); it cannot automatically be carried into §7(d). The definition also limits responsibility for another creditor’s violation where there was no prior knowledge or reasonable notice, and excludes merely honoring a credit card.","S002, §1691a(e); S006, §2(l), comments 2(l)-1–2. \nConsumer Financial Protection Bureau"],["R003-P1-C004","A003 / Text + Comment","A Regulation B application can be oral or written under the creditor’s actual procedures. Actual practice matters, not only the creditor’s written application policy.","Ordinary use within an existing credit limit is excluded from this application definition. This claim does not decide every inquiry/prequalification or adverse-action issue.","S006, §2(f), comments 2(f)-1–2. \nConsumer Financial Protection Bureau"],["R003-P1-C005","A003 / Text","Statutory applicant under §1691a(b) and regulatory applicant under §1002.2(e) are not identically worded. The regulation expressly includes guarantors, sureties, endorsers, and similar parties for §1002.7(d).","That express regulatory inclusion does not itself settle statutory claimant status, standing, available defenses, or a private remedy in every court.","S002, §1691a(b); S006, §2(e); S027–S028. \nuscode.house.gov\n+2"],["R003-P1-C006","A003 / Text + Synthesis","Regulation B defines contractual liability by an express agreement to repay all debts arising on an account.","The definition does not authenticate a signature, establish authority, resolve formation, or transform an account label, access permission, or credit-report entry into that agreement.","S006, §2(i); S008, comment 7(a)-1. \nConsumer Financial Protection Bureau\n+1"],["R003-P1-C007","A003 / Text","Extensions of credit include refinancing, renewals, consolidation, additional credit, and certain continuations at or after maturity. Credit transaction includes dealings concerning existing credit as well as applications.","This broad lifecycle coverage does not make every modification a new guaranty or automatically trigger release; the particular renewal comment has its own conditions. Regulation B’s open-end definition also excludes negotiated advances under an open-end real-estate mortgage or letter of credit.","S006, §2(m), (q), (w), comment 2(w)-1. \nConsumer Financial Protection Bureau"],["R003-P1-C008","A003 / Text + Comment","Part 1002 generally applies to U.S. lending, including Puerto Rico and U.S. territories, and excludes persons covered by the specified §1029 motor-vehicle-dealer exclusion.","That is an exclusion from this part, not from ECOA itself. Section 5519 contains activity-based carvebacks. Exact counterpart-Regulation-B treatment for such an actor is not completed here.","S005, §1(a), comments 1(a)-1–2; S014, §5519(a)–(d). \nConsumer Financial Protection Bureau"],["R003-P1-C009","A003 / Text","Section 7(d) does not apply to securities credit as defined in §3(b)(1): credit regulated under Securities Exchange Act §7, or credit by a broker/dealer regulated as such under that Act.","This is the specified signature-rule exception, not permission for every discriminatory practice and not a ruling on an actual securities obligation.","S007, §3(b)(1), (b)(2)(vi). \nConsumer Financial Protection Bureau"],["R003-P1-C010","A003 / Text + Comment","Section 7(d) does not apply to defined incidental consumer credit: other than utility/securities credit, not under a credit-card account, not subject to a finance charge as defined in §1026.4, and not payable by agreement in more than four installments.","All stated definitional conditions matter. “Four” is an installment-count condition in §3(c)(1)(iii), not an invented qualification or payment schedule. A deferral can still be ECOA credit even though this exception applies.","S007, §3(c)(1), (c)(2)(v), comment 3(c)-1. \nConsumer Financial Protection Bureau"],["R003-P1-C011","A003 / Text + Comment","Credit to governments, subdivisions, agencies, or instrumentalities is exempt from the part’s requirements except §4(a)’s general nondiscrimination rule.","Credit by a government agency to consumers is not within that exception merely because the creditor is governmental.","S007, §3(d), comment 3(d)-1. \nConsumer Financial Protection Bureau"],["R003-P1-C012","A003 / Text + Comment","The defined public-utility-credit exception does not remove §7(d). Its listed exceptions concern specified marital-information and retention provisions.","The definition requires the specified service/facility and government-filed or regulated charges. Financing unrelated goods or improvements is not utility-service credit merely because a utility provides it.","S007, §3(a), comments 3(a)-1–3. \nConsumer Financial Protection Bureau"],["R003-P1-C013","A003 / Text","ECOA permits consideration/application of state property laws and recognizes signatures serving lien, title, inchoate-right, or earnings purposes, subject to the statutory prohibition on discriminatory creditworthiness evaluation. Regulation B preserves state property and estate laws and preempts inconsistent credit-discrimination law only to the stated extent.","This is not a uniform federal marital-property or recourse code. Married and unmarried applicants remain subject to equal evaluation standards except as law permits.","S003, §1691d(a), (b), (f); S009, §6(b)(8), (c); S010, §11(a), (d). \nuscode.house.gov\n+1"],["R003-P1-C014","A003 / Text","Section 1691d(c) addresses a particular case: state law prohibits separate consumer credit, each spouse voluntarily applies separately to the same creditor, and that state prohibition is preempted; its sole-responsibility proviso applies in that specified setting.","It must not be converted into a blanket statement that every separately named marital debt is solely one spouse’s debt under all state law.","S003, §1691d(c). \nuscode.house.gov"],["R003-P1-C015","A003 / Opinion + Unknown","The Hawkins Eighth Circuit majority held that executing a guaranty alone did not make the claimants statutory applicants; it rejected their reliance on the predecessor regulatory definition. It affirmed summary judgment on the ECOA claim/defense; state-law counterclaims had been dismissed without prejudice. The Supreme Court affirmed by equal division.","The Supreme Court supplied no reasoned nationwide merits resolution. The appellate opinion used the then-operative Chevron framework; no claim is made that this is today’s general review framework. Current forum-specific treatment, statutory entitlement, Article III issues, and remedy remain unverified.","S027, slip pp.3–8 / indexes 2–7; S028, p.495 / index 0. \ngovinfo.gov\n+2"]]},{"headers":["Claim ID","Area / type","Precise assertion and operative conditions","Limits / what remains unproved","Source / exact pinpoint"],"index":2,"links":[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1002/7/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1002/7/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1002/7/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1002/7/?utm_source=chatgpt.com","text":"Consumer Financial Protection 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Financial Protection Bureau"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1002/7/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1002/7/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau\n+1"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1002/8/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1002/8/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"},{"href":"https://www.govinfo.gov/content/pkg/FR-2026-04-22/pdf/2026-07804.pdf?utm_source=chatgpt.com","text":"govinfo.gov\n+1"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1002/b/?utm_source=chatgpt.com","text":"Consumer Financial Protection 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Bureau"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1002/7/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau\n+1"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1002/8/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1002/8/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"}],[{"href":"https://www.govinfo.gov/content/pkg/FR-2026-04-22/pdf/2026-07804.pdf?utm_source=chatgpt.com","text":"govinfo.gov\n+1"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1002/b/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"}]],"rows":[["Claim ID","Area / type","Precise assertion and operative conditions","Limits / what remains unproved","Source / exact pinpoint"],["R003-P1-C016","A003 / Text + Comment","For individual credit, a creditor generally must first determine that the applicant does not independently qualify before requiring another signer. If the applicant qualifies for the requested amount and terms, the creditor cannot require a spouse’s or another non-joint applicant’s signature on a credit instrument, subject to the paragraph’s exceptions.","A neutral policy requiring everyone to obtain a cosigner does not defeat this protection. The business-role guaranty exception below is material. No actual qualification is assessed here.","S008, §7(d)(1), comments 7(d)-1–2 and 7(d)(1)-1. \nConsumer Financial Protection Bureau"],["R003-P1-C017","A003 / Comment","A joint applicant applies contemporaneously for shared or joint credit. Someone added because the creditor demands another signature as a condition of approval is not thereby a joint applicant.","The joint-applicant exception permits obtaining the genuine applicant’s signature; it does not itself establish the scope or enforceability of a later contractual promise.","S008, comment 7(d)(1)-2. \nConsumer Financial Protection Bureau"],["R003-P1-C018","A003 / Text + Comment","Joint intent must be evidenced at application. Application signatures or initials affirming joint-credit intent may establish it, separately from accuracy certification. A promissory-note signature may not serve as the required proof of application-stage joint intent.","A joint financial statement, joint-asset evidence, marriage, or shared household must not silently become a joint application. A financial-statement signature certifying accuracy is insufficient.","S008, §7(d)(1), comment 7(d)(1)-3. \nConsumer Financial Protection Bureau"],["R003-P1-C019","A003 / Comment","For unsecured credit supported by jointly owned property, the creditor must value the applicant’s own interest. It may not condition the extension on the nonapplicant owner’s signature if that interest supports the requested amount and terms.","Joint title alone does not demonstrate a need for another signature. Actual ownership form, valuation, legal access, and the requested terms remain necessary facts.","S008, comment 7(d)(2)-1. \nConsumer Financial Protection Bureau"],["R003-P1-C020","A003 / Comment","Valuation may consider the existing ownership form, attachability, execution, severance or partition, resulting value, and associated costs.","The creditor cannot premise the demand on speculative later changes such as divorce or a future transfer into a different tenancy.","S008, comment 7(d)(2)-1(i). \nConsumer Financial Protection Bureau"],["R003-P1-C021","A003 / Text + Comment","If the applicant relies on joint property for unsecured credit and the interest is insufficient, the creditor may pursue the stated alternatives: an appropriate additional party, secured credit, or instruments necessary/reasonably believed necessary under the property-situs state’s law to reach the relied-on property upon death or default.","Property-access instruments should not impose personal liability unless state law makes that necessary. The commentary rejects routine demands for an instrument, such as a quitclaim deed, that forfeits the other owner’s interest.","S008, §7(d)(2), comment 7(d)(2)-1(ii). \nConsumer Financial Protection Bureau"],["R003-P1-C022","A003 / Comment","The official commentary says a creditor’s reasonable belief about necessary instruments should be supported by a thorough review of pertinent statutory and decisional law or a state attorney-general opinion.","This is not permission based solely on a creditor’s preference. It does not prescribe a particular retained memorandum or decide whether an actual legal analysis was reasonable.","S008, comments 7(d)(2)-2 and 7(d)(4)-2. \nConsumer Financial Protection Bureau\n+1"],["R003-P1-C023","A003 / Text + Comment","The unsecured community-property branch requires a married applicant who resides in a community-property state or relies on property there; a necessary/reasonably necessary state-law instrument; both inadequate management/control of sufficient community property under state law and insufficient separate property to qualify without community property.","Marriage or a community-property-state connection alone is insufficient. The residency comment allows a residence assumption unless the applicant indicates otherwise; it does not supply missing property-control law.","S008, §7(d)(3)(i)–(ii), comment 7(d)(3)-1. \nConsumer Financial Protection Bureau"],["R003-P1-C024","A003 / Text","For secured credit, a creditor may require spouse/other signatures on instruments necessary or reasonably believed necessary under applicable state law to make the offered security available on default—for example, to create a lien, pass title, waive inchoate rights, or assign earnings.","Permission is tied to the legal collateral purpose. It is not a general permission to make every owner a personal guarantor.","S008, §7(d)(4); S003, §1691d(a). \nConsumer Financial Protection Bureau\n+1"],["R003-P1-C025","A003 / Comment","If a mortgage or security agreement alone makes the property available, the creditor may not require the spouse to sign the note. If state law actually requires both spouses’ note signatures for an enforceable lien, the commentary permits them.","The relevant state rule must be identified; an assumption that every mortgage requires personal repayment liability is inadequate.","S008, comments 7(d)(4)-1–2. \nConsumer Financial Protection Bureau"],["R003-P1-C026","A003 / Comment","A combined note/security instrument cannot be required where only a security-interest signature is needed unless the instrument clearly limits the spouse’s signature to granting security and excludes personal liability; a nearby legend is an example.","The commentary does not mandate one magic phrase. Actual instrument language, capacity, and applicable law still control what was signed.","S008, comment 7(d)(4)-3. \nConsumer Financial Protection Bureau"],["R003-P1-C027","A003 / Text","When an additional party’s personal liability is necessary under the creditor’s standards to support the requested credit, the creditor may request a cosigner, guarantor, endorser, or similar party.","The spouse may serve, but the creditor cannot insist that the spouse be the additional party merely because a supporting obligor is needed.","S008, §7(d)(5). \nConsumer Financial Protection Bureau"],["R003-P1-C028","A003 / Comment","A creditor may impose eligibility conditions on additional parties, such as residence in its market area.","Such conditions cannot discriminate on sex, marital status, or another prohibited basis. They cannot be used to disguise an otherwise prohibited spouse-only requirement.","S008, comment 7(d)(5)-1. \nConsumer Financial Protection Bureau"],["R003-P1-C029","A003 / Comment","An individual applicant actually relying on another person’s income may be required to obtain that person’s signature to make the income available. This includes a spouse’s income outside community-property treatment and a spouse’s separate income in a community-property state.","The commentary separately permits, but does not require, a spouse’s signature where future earnings are not community property until earned—even if the creditor normally requires a nonspouse income-provider’s signature. Actual income reliance and state characterization are essential.","S008, comment 7(d)(5)-2; S009, §6(c). \nConsumer Financial Protection Bureau"],["R003-P1-C030","A003 / Comment","A creditor may require personal guarantees from business partners, directors, officers, and shareholders of closely held corporations even if the business itself is creditworthy, when based on that business relationship.","The requirement cannot depend on a prohibited basis—for example, only married officers or only businesses associated with a protected group. This is not a universal exemption for all business-related additional signers.","S008, comment 7(d)(6)-1. \nConsumer Financial Protection Bureau"],["R003-P1-C031","A003 / Text + Comment","Additional parties receive the relevant signature protections. A creditor cannot automatically demand a guarantor’s spouse’s signature.","The commentary allows a further signature in appropriate financial circumstances under §7(d)(2); that incorporates the property-access conditions, not unlimited permission for a spouse’s personal guaranty.","S008, §7(d)(6), comment 7(d)(6)-2. \nConsumer Financial Protection Bureau"],["R003-P1-C032","A003 / Comment","If creditworthiness is reevaluated when an obligation is renewed, the creditor must determine whether an additional party remains warranted and release that party if not warranted.","This is a conditional federal release duty. It is not automatic expiration at every renewal, nor does business creditworthiness alone eliminate a permissible business-role guaranty. Effect on prior obligations and release mechanics remains a contract/state-law issue.","S008, comment 7(d)(5)-3, read with comment 7(d)(6)-1. \nConsumer Financial Protection Bureau"],["R003-P1-C033","A003 / Text + Comment","For an existing open-end account, specified adverse changes cannot be triggered merely by age, retirement, name, or marital-status change absent evidence of inability/unwillingness to repay. Reapplication based on marital change requires the stated spouse-income reliance and income-insufficiency information; the comment also addresses loss of another supporting person.","During permitted reapplication, existing contractual access continues. Joint-account closure requests or repudiation of responsibility for future charges are separately addressed. No inference of release from existing debt follows merely from closing an account.","S008, §7(c)(1)–(2), comments 7(c)(1)-1–2 and 7(c)(2)-1. \nConsumer Financial Protection Bureau"],["R003-P1-C034","A003 / Comment + Synthesis","A creditor may condition authorized-user designation on that user becoming contractually liable, without prohibited discrimination. For an overdraft line attached to a transaction account, it may require all persons authorized to draw to assume overdraft liability.","Permission to require an agreement is different from proof that an agreement exists. Mere account access or authorized-user status does not prove the express undertaking.","S008, comments 7(a)-1–3; S006, §2(i). \nConsumer Financial Protection Bureau\n+1"],["R003-P1-C035","A003 / Text","Section 8(d) permits specified marital/support-income/spouse-resource inquiries where financial need is a special-purpose-program criterion. Its separate signature sentence permits obtaining a spouse’s or another person’s signature on a program application or credit instrument if Federal or state law requires it.","A program label or creditor preference does not satisfy the signature condition. Section 8(c)’s information permission is not a free-standing authorization to demand any spouse’s guaranty.","S011, §8(c)–(d). \nConsumer Financial Protection Bureau"],["R003-P1-C036","A003 / Text + Comment","The special-program branch requires a qualifying §8(a) program: legally authorized assistance for an economically disadvantaged class; qualifying nonprofit assistance; or a qualifying for-profit program meeting the written-plan and need conditions. Current for-profit rules require the plan’s specified class, procedures, evidence, and explanation of otherwise-unavailable credit; additional conditions govern otherwise-prohibited common characteristics.","Current §8(b)(3) bars race, color, national origin, and sex as for-profit-program eligibility characteristics; §8(b)(4) requires participant-specific evidence for other otherwise-prohibited characteristics. Anti-evasion and other Regulation B provisions remain applicable. No actual program is evaluated.","S011, §8(a)(1)–(3), (b)(1)–(4), comments 8(a)-1–6 and 8(b)-1–2. \nConsumer Financial Protection Bureau"],["R003-P1-C037","A003 / Text + Currentness","The 2026 final rule states that special-program credit extended on or after July 21, 2026 must comply with its new requirements; prior extensions must comply with the applicable earlier program rules described in its effective-date discussion.","A preexisting program is not thereby authorized to make all future extensions indefinitely under old rules. This pass does not certify absence of later judicial orders.","S012, printed pp.21620, 21658–21659 / indexes 0, 38–39. \ngovinfo.gov\n+1"],["R003-P1-C038","A003 / Text + Synthesis","Appendix B models are optional. Appropriate use/modification yields the specified compliance treatment for §1002.5(b)–(d) inquiries.","That limited effect is not a general contract-formation, guaranty-enforceability, joint-intent, or liability safe harbor.","S013, introductory paragraphs 1–3; S008, comment 7(d)(1)-3. \nConsumer Financial Protection Bureau"]]},{"headers":["Claim ID","Area / type","Precise assertion and operative conditions","Limits / exceptions","Source / exact pinpoint"],"index":3,"links":[{"href":"https://www.ecfr.gov/current/title-16/chapter-I/subchapter-D/part-444?utm_source=chatgpt.com","text":"ecfr.gov"},{"href":"https://uscode.house.gov/us/usc/119-121/t15/s45/?utm_source=chatgpt.com","text":"uscode.house.gov\n+2"},{"href":"https://www.ftc.gov/business-guidance/resources/complying-credit-practices-rule?utm_source=chatgpt.com","text":"Federal Trade 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Trade Commission\n+1"}],[{"href":"https://www.ecfr.gov/current/title-16/chapter-I/subchapter-D/part-444?utm_source=chatgpt.com","text":"ecfr.gov\n+1"}],[{"href":"https://consumer.ftc.gov/articles/cosigning-loan-faqs?utm_source=chatgpt.com","text":"Consumer Advice"}],[{"href":"https://www.ecfr.gov/current/title-16/chapter-I/subchapter-D/part-444?utm_source=chatgpt.com","text":"ecfr.gov"}],[{"href":"https://uscode.house.gov/us/usc/119-124/t15/s57a/?utm_source=chatgpt.com","text":"uscode.house.gov"}],[{"href":"https://www.ecfr.gov/current/title-16/chapter-I/subchapter-D/part-444?utm_source=chatgpt.com","text":"ecfr.gov\n+1"}]],"rows":[["Claim ID","Area / type","Precise assertion and operative conditions","Limits / exceptions","Source / exact pinpoint"],["R003-P1-C039","A003 / Text","Part 444’s creditor is a covered lender or retail installment seller: lending money to consumers, or selling goods/services on deferred-payment or lease-purchase terms, within FTC jurisdiction. Consumer means a natural person seeking/acquiring goods, services, or money for personal, family, or household use. Section 444.3 concerns consumer credit in or affecting commerce.","Its broad definition of debt—money due or alleged due—does not erase these actor, purpose, obligation, and commerce conditions. Business credit is not brought within this consumer rule merely by adding a natural-person guarantor.","S015, §444.1(a)–(g), §444.3(a). \necfr.gov"],["R003-P1-C040","A003 / Text","FTC Act §45(a)(2) excludes banks, savings-and-loan institutions, and federal credit unions as statutorily defined, along with other enumerated categories, from the FTC’s stated enforcement jurisdiction.","“Credit union” is not synonymous with “federal credit union.” Nor does “nonbank” alone establish coverage. Section 44’s organizational definition and §57a(f)’s institution definitions matter; no actual status was investigated.","S018, §§44, 45(a)(2), 57a(f)(2)–(4); S015, §444.1(a)–(b). \nuscode.house.gov\n+2"],["R003-P1-C041","A003 / Guidance","Published FTC materials describe the rule as excluding real-estate purchases, while covering qualifying consumer loans secured by already-owned real estate.","This is the FTC’s published scope explanation, not an express real-estate-purchase phrase in §444.1. Do not convert it into an exclusion of every real-estate-secured loan or every mortgage-related transaction.","S016, “What Transactions Are Covered”; S017, “What Are My Obligations…”. \nFederal Trade Commission\n+1"],["R003-P1-C042","A003 / Text","A cosigner under §444.1(k) is a natural person who becomes liable for another’s obligation without compensation. The definition expressly includes a signature demanded to extend credit to another or to forbear collection of another’s defaulted obligation.","The rule is not confined to new-money originations. The underlying consumer-credit and actor requirements still apply.","S015, §444.1(k). \necfr.gov"],["R003-P1-C043","A003 / Text + Guidance","Someone receiving no goods, services, or money in return for the credit obligation receives no compensation for this definition; labels do not control. FTC guidance distinguishes a genuine co-buyer sharing purchased goods or co-borrower sharing proceeds from a supporting cosigner.","A “co-borrower” caption cannot dispose of contrary facts. Conversely, a primary purchaser is not made a covered cosigner merely because another person also signs. Shared household membership alone does not establish the actual benefit or contractual role.","S015, §444.1(k); S016, “Notice to Cosigners,” final paragraphs. \necfr.gov\n+1"],["R003-P1-C044","A003 / Text + Guidance","The rule expressly excludes a spouse whose signature is required to perfect a state-law security interest. FTC guidance also says no notice is needed for a security-agreement signer who has no personal liability.","A document that also imposes a personal undertaking requires analysis of its actual terms; “property owner” is not a universal cosigner exemption.","S015, §444.1(k); S016, “Notice to Cosigners.” \necfr.gov\n+1"],["R003-P1-C045","A003 / Text","Section 444.3(a)(1) prohibits direct or indirect misrepresentation of the nature or extent of cosigner liability to any person. Section 444.3(b) states that compliance with paragraph (c)’s preventive requirements does not violate paragraph (a).","Paragraph (b)’s statement concerns the specified paragraph (a); it is not a universal contractual-enforceability or all-laws immunity provision.","S015, §444.3(a)(1), (b). \necfr.gov"],["R003-P1-C046","A003 / Text","The creditor must inform the cosigner before obligation and give the prescribed disclosure before that event. For open-end credit, the specified event is execution of the agreement creating liability for future charges.","Delivery after obligation does not satisfy the express prior-delivery condition. No fixed number of advance days is stated here.","S015, §444.3(a)(2), (c). \necfr.gov"],["R003-P1-C047","A003 / Text","The regulatory disclosure is a separate document containing the prescribed statement, without other statements under the literal rule.","Section 444.3 does not specify a numerical font size. Staff explanations concerning permitted administrative additions and packet placement are separately classified below.","S015, §444.3(c). \necfr.gov"],["R003-P1-C048","A003 / Text — notice element 1","Under the heading Notice to Cosigner, the opening paragraph says the recipient is being asked to guarantee the debt, should consider that choice carefully, will have to pay if the borrower does not, and should assess both ability and willingness to accept that responsibility.","This is the complete opening warning in paraphrase, not a finding that an enforceable guaranty has already been formed.","S015, §444.3(c), heading and first notice paragraph. \necfr.gov"],["R003-P1-C049","A003 / Text — notice element 2","The second paragraph warns of possible responsibility for up to the entire debt if the borrower fails to pay, and possible late fees or collection costs increasing the amount.","It supplies no calculation of an actual balance, permissible charge, or award.","S015, §444.3(c), second notice paragraph. \necfr.gov"],["R003-P1-C050","A003 / Text — notice element 3","The third paragraph warns that the creditor can seek payment from the cosigner without first trying the borrower; can use the same collection methods, including suit or wage garnishment; and that default may enter the cosigner’s credit record.","This warning is not an independent grant of collection powers or an override of state collection-sequence protections, contract terms, exemptions, or required judicial procedures.","S015, §444.3(c), third notice paragraph; S017, state-law qualification immediately following the notice. \necfr.gov\n+1"],["R003-P1-C051","A003 / Text — notice element 4","The final paragraph states: “This notice is not the contract that makes you liable for the debt.”","Notice receipt, including an acknowledgment, must not be substituted for the actual liability-creating instrument.","S015, §444.3(c), final notice paragraph. \necfr.gov"],["R003-P1-C052","A003 / Guidance","FTC staff permits letterhead, identifying details, an optional receipt-signature line, consistent state notices, and omission of a statement inaccurate under state law. It forbids distracting additions and permits attachment only when the notice comes first in the packet. Its guidance says revolving-account notice is given once at opening; FTC advice says it should match the agreement’s language.","These are published implementation explanations; they do not amend the literal regulation or establish a general notice-expiration/cancellation rule. No identifying details were entered here.","S016, “Notice to Cosigners”; S017, language paragraph. \nFederal Trade Commission\n+1"],["R003-P1-C053","A003 / Text + Synthesis","Part 444 does not itself prescribe a signed acknowledgment, fixed notice-retention period, or periodic notice-expiration interval. An acknowledgment may evidence receipt, but its presence does not establish every delivery condition.","Absence of a document from a reviewed set is not automatically proof of nondelivery. Other retention, disclosure-copy, electronic-delivery, or evidentiary laws are not negated by this limited reading.","S015, complete §§444.1–.5; S016, optional acknowledgment/file-copy explanation. \necfr.gov\n+1"],["R003-P1-C054","A003 / Guidance","FTC consumer advice recommends obtaining relevant papers and arranging statements/default alerts.","That advice is not a universal affirmative duty under part 444 to deliver every loan paper or later account statement. Product-specific and state-law rights remain outside this finding.","S017, “If I Cosign a Loan, What Can I Do To Protect Myself?” \nConsumer Advice"],["R003-P1-C055","A003 / Text","Under §444.5, an appropriate state agency must apply, and the FTC must determine that an effective state requirement affords substantially equivalent or greater protection. The federal provision then ceases to operate only to the extent specified and while effective state administration/enforcement continues.","Stronger state law alone is not an automatic exemption. Specific currently operative exemption determinations were not verified in this pass.","S015, §444.5(a)(1)–(2) and concluding condition. \necfr.gov"],["R003-P1-C056","A003 / Text","FTC Act §57a(g) separately permits petitions for person/class exemptions and specifies the Commission’s finding and procedural requirements.","Petition or review pendency does not itself stay the rule. No exemption is inferred merely from a request or from a failed source retrieval.","S018, §57a(g)(1)–(3). \nuscode.house.gov"],["R003-P1-C057","A003 / Text + Synthesis","A missing or late required notice raises a compliance issue under §444.3. The read provisions do not establish automatic debt cancellation, release, a notice-based rescission period, uniform unenforceability, or a private cause of action.","An actual remedy requires the applicable enforcement/remedies authority, forum, contract, state law, and facts. The FTC booklet dates the rule’s operation to March 1, 1985; that historical trigger is distinct from this report’s access date.","S015, §444.3; S016, introduction and effective-date discussion. \necfr.gov\n+1"]]},{"headers":["Claim ID","Area / type","Precise assertion and operative conditions","Status / jurisdiction / limits","Source / exact pinpoint"],"index":4,"links":[{"href":"https://uscode.house.gov/us/usc/119-124/t15/s57a/?utm_source=chatgpt.com","text":"uscode.house.gov\n+1"},{"href":"https://www.govinfo.gov/content/pkg/FR-2014-10-03/pdf/2014-22715.pdf?utm_source=chatgpt.com","text":"govinfo.gov\n+1"},{"href":"https://www.federalreserve.gov/frrs/guidance/interagency-guidance-regarding-unfair-or-deceptive-credit-practices.htm?utm_source=chatgpt.com","text":"federalreserve.gov\n+2"},{"href":"https://uscode.house.gov/us/usc/119-121/t12/s5531/?utm_source=chatgpt.com","text":"uscode.house.gov\n+3"},{"href":"https://www.consumerfinance.gov/compliance/guidance/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau\n+4"},{"href":"https://www.federalreserve.gov/frrs/guidance/interagency-guidance-regarding-unfair-or-deceptive-credit-practices.htm?utm_source=chatgpt.com","text":"federalreserve.gov"},{"href":"https://www.govinfo.gov/content/pkg/FR-2025-05-15/pdf/2025-08645.pdf?utm_source=chatgpt.com","text":"govinfo.gov\n+2"},{"href":"https://uscode.house.gov/us/usc/119-124/t15/s1691e/?utm_source=chatgpt.com","text":"uscode.house.gov\n+2"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1002/2/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau\n+4"}],"row_links":[[],[{"href":"https://uscode.house.gov/us/usc/119-124/t15/s57a/?utm_source=chatgpt.com","text":"uscode.house.gov\n+1"}],[{"href":"https://www.govinfo.gov/content/pkg/FR-2014-10-03/pdf/2014-22715.pdf?utm_source=chatgpt.com","text":"govinfo.gov\n+1"}],[{"href":"https://www.federalreserve.gov/frrs/guidance/interagency-guidance-regarding-unfair-or-deceptive-credit-practices.htm?utm_source=chatgpt.com","text":"federalreserve.gov\n+2"}],[{"href":"https://uscode.house.gov/us/usc/119-121/t12/s5531/?utm_source=chatgpt.com","text":"uscode.house.gov\n+3"}],[{"href":"https://www.consumerfinance.gov/compliance/guidance/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau\n+4"}],[{"href":"https://www.federalreserve.gov/frrs/guidance/interagency-guidance-regarding-unfair-or-deceptive-credit-practices.htm?utm_source=chatgpt.com","text":"federalreserve.gov"}],[{"href":"https://www.govinfo.gov/content/pkg/FR-2025-05-15/pdf/2025-08645.pdf?utm_source=chatgpt.com","text":"govinfo.gov\n+2"}],[{"href":"https://uscode.house.gov/us/usc/119-124/t15/s1691e/?utm_source=chatgpt.com","text":"uscode.house.gov\n+2"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1002/2/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau\n+4"}]],"rows":[["Claim ID","Area / type","Precise assertion and operative conditions","Status / jurisdiction / limits","Source / exact pinpoint"],["R003-P1-C058","A003 / Text + Final-rule history","Dodd-Frank repealed the former institution-specific FTC Act rulemaking authority. The Federal Reserve’s final rule formally removed former Regulation AA, 12 C.F.R. part 227, effective March 21, 2016. It explains that the statutory repeal nullified the relevant provisions and that Regulation AA did not transfer to CFPB under the FTC Act.","The 2010 enactment date, designated-transfer-date provision, and 2016 formal removal are distinct. The FTC’s own part 444 remained a separate rule.","S018, §57a(f)(1), 2010 effective-date note; S020, pp.8133–8134 / indexes 0–1. \nuscode.house.gov\n+1"],["R003-P1-C059","A003 / Final rule","NCUA removed and reserved part 706 effective October 3, 2014. Its final rule expressly retained the distinction between repealed regulations and continuing statutory supervisory/enforcement authority.","A federal-credit-union notice obligation cannot simply be asserted today by citing former §706 as a current rule.","S021, p.59627 / index 0; removal instruction 3, p.59629 / index 2. \ngovinfo.gov\n+1"],["R003-P1-C060","A003 / Guidance + Final-rule history","The joint agencies explained that former OTS part 535 was omitted from OCC republication because the relevant authority was unavailable and was effectively repealed July 21, 2011. Treasury later directed removal of obsolete OTS chapter V as non-substantive cleanup.","The complete 2011 republication was not independently reconstructed. The 2017 Treasury document’s printed effective date is October 11, 2018; no correction was verified. Neither document is treated as creating a new cosigner-notice duty.","S023, footnote 9; S022, OCC p.48950 / index 0; Treasury pp.47083–47084 / indexes 0–1. \nfederalreserve.gov\n+2"],["R003-P1-C061","A003 / Text","Separate federal statutory prohibitions remain relevant. Section 5531 addresses UDAAP involving covered persons/service providers and consumer financial products/services; §5536 contains operative prohibitions. Section 45 supplies the FTC Act prohibition, with enforcement and actor qualifications.","Statutory unfairness has specified injury, avoidability, and countervailing-benefit conditions; a regulatory repeal does not establish that every former practice is permissible. These statutes do not themselves reproduce §444.3(c)’s exact notice as a universal institutional obligation.","S018, §45(a); S019, §§5531(a)–(d), 5536(a); S020–S021. \nuscode.house.gov\n+3"],["R003-P1-C062","A003 / Verified publisher status","As checked on D, CFPB’s guidance index still listed the 2014 credit-practices guidance, its withdrawal register did not list that item, and NCUA expressly marked its accompanying letter Active. Fed and OCC publisher pages remained posted without an observed rescission banner.","FDIC publisher status remains unresolved: both attempted official pages returned 403. The verified statuses are stated agency by agency; publication of an old document alone was not treated as a complete currentness check.","S024–S025; failure F04 below. \nConsumer Financial Protection Bureau\n+4"],["R003-P1-C063","A003 / Guidance + Synthesis","The 2014 guidance says repeal is not a determination that former practices are permissible; statutory violations depend on facts and circumstances. Footnote 11 expresses the agencies’ view that continuing to provide a notice before obligation properly discloses cosigner liability.","This is a supervisory interpretation, not a newly enacted regulation applying the FTC’s exact affirmative notice duty to every exempt institution, and not an independently created private right. Operative assertions must rest on current statutes/rules.","S023, guidance body and footnote 11; S019–S021. \nfederalreserve.gov"],["R003-P1-C064","A003 / Withdrawal / history","The CFPB’s proposed Regulation AA was withdrawn May 15, 2025. Its August 2026 regulatory-priorities statement again identifies the withdrawal.","The remaining proposal landing page does not make the proposal final or revive former Federal Reserve Regulation AA. No new universal cosigner-notice obligation is established by these materials.","S026, withdrawal p.20569 / index 0; agenda p.52943 / index 151. \ngovinfo.gov\n+2"],["R003-P1-C065","A003 / Text + Synthesis","ECOA’s civil-liability provisions address an aggrieved applicant and authorize specified court relief; they also include a good-faith-conformity protection. A signature-rule violation is therefore not itself a complete adjudication of contract invalidity or of a particular claimant’s remedy.","Statutory applicant status, court/claim posture, state defenses, relief, and later authority remain separate. No damages, limitation-period, or litigation-strategy analysis is supplied.","S004, §1691e(a), (c), (e); S027–S028. \nuscode.house.gov\n+2"],["R003-P1-C066","A003 / Synthesis","The audit must distinguish application intent, capacity, express promise, security consent, notice delivery, and governing property law. Evidence of one cannot automatically stand in for all the others.","Neither household relationship, marriage, credit reporting, account access, nor an official model notice alone proves actual personal liability. This is an evidentiary limit of the researched federal sources, not a ruling that other law can never impose an obligation.","S006, §2(i); S008, comments 7(d)(1)-3 and 7(d)(4)-3; S010, §11(d); S015, §444.3(c). \nConsumer Financial Protection Bureau\n+4"]]},{"headers":["Generic institutional class","What this pass establishes","What it does not establish"],"index":5,"links":[],"row_links":[[],[],[],[],[],[]],"rows":[["Generic institutional class","What this pass establishes","What it does not establish"],["FTC-covered nonbank lender or retail installment seller","Part 444 can impose the notice duty when its consumer-credit, cosigner, timing, and exemption conditions are met.","That every nonbank or every transaction is covered."],["Statutorily defined bank","Do not apply part 444 solely because the activity resembles consumer lending. Former part 227 is repealed; separate statutory and guidance analysis remains.","A universal current bank notice obligation, or freedom to misrepresent liability."],["Statutorily defined savings institution","Former OTS rule history must be separated from current statutory powers and any other applicable law.","That an obsolete part-535 citation proves a present affirmative duty."],["Federal credit union","FTC jurisdictional exclusion and NCUA’s part-706 repeal are material. NCUA’s guidance-status page is Active.","That repeal permits every formerly prohibited practice."],["State-chartered credit union or uncertain institutional class","The federal-credit-union exclusion cannot be assumed to cover it; FTC jurisdiction and other applicable law need their own analysis.","Actual charter, organizational, insurance, regulatory, or transaction status. No roster was used."]]},{"headers":["Worksheet item","Question to resolve","Evidence or published authority needed","Blank finding","Claim links"],"index":6,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Worksheet item","Question to resolve","Evidence or published authority needed","Blank finding","Claim links"],["W01 — Engagement and transaction","What credit, purchase, or service arrangement is described, and what question about the signature is being asked?","Complete generic engagement/application and transaction terms; primary purpose; deferral structure.","","C002, C004, C039"],["W02 — Creditor role","Which legal actor category and credit-decision role is relevant?","Stated legal capacity and applicable statutory definitions; decision participation versus referral-only role. No entity lookup.","","C003, C008, C040"],["W03 — Transaction exceptions","Does a securities, incidental, government, utility, special-program, or FTC exemption branch apply?","Complete defining conditions and any applicable published exemption determination.","","C009–C012, C035–C037, C055–C056"],["W04 — Application request","Was individual or joint credit actually requested under the applicable procedures?","Complete application, instructions, and generic description of oral/written procedures.","","C004, C016–C018"],["W05 — Joint intent","Is joint-credit intent evidenced at application independently of accuracy certification?","Separate intent affirmation and its timing; distinguish later note execution and joint financial statements.","","C017–C018"],["W06 — Additional-signature condition","Was the signer voluntarily applying, or added because the creditor demanded support?","Application conditions, approval conditions, and the stated reason for requesting the signature.","","C016–C018, C027"],["W07 — Individual qualification premise","What standards and requested amount/terms make the qualified/unqualified branch relevant?","Applicable standards and the stated evaluation basis; no invented score or numerical qualification.","","C016, C019, C027"],["W08 — Named capacity and signature block","Does the document identify a borrower, guarantor, owner, authorized agent, witness, or consent-only signer?","Complete signature block, incorporated definitions, capacity clauses, and cross-references.","","C005–C006, C024–C026"],["W09 — Express promise","What exact language creates an alleged repayment obligation, and for which debts?","Entire promise-to-pay/account agreement, incorporated terms, conditions, and exclusions.","","C006, C051, C066"],["W10 — Guaranty scope","Is the undertaking limited, continuing, conditional, secured, or associated with renewals/future advances?","Complete generic guaranty, termination/release provisions, modification terms, and governing law.","","C007, C027, C032, C065"],["W11 — Formation and authority","What remains necessary to establish execution, assent, authority, authenticity, or capacity?","Applicable published formation/agency law and relevant execution evidence; these are parent holds.","","C006, C065–C066"],["W12 — Collateral-only consent","Is the signature solely to make identified security available?","Complete security instrument; any limitation legend; separation from note/guaranty.","","C024–C026, C044"],["W13 — State-law necessity","Which state law requires or supports belief that this instrument/signature is needed?","Pertinent statutes, published decisions, or attorney-general opinion; property situs and governing-law questions kept separate.","","C021–C025"],["W14 — Joint-property interest","Has the applicant’s existing interest been valued independently?","Ownership-form assumptions; attachment/execution/partition rules, resulting value and costs.","","C019–C021"],["W15 — Community-property conditions","Are residence/property location, management/control, community assets, and separate-property sufficiency established?","Applicable published state law and the specific qualifying facts; no marital presumption substituted for them.","","C023"],["W16 — Reliance on another’s income","Is the other person’s income actually relied upon, and how must it be made available?","Income-reliance terms; state characterization of separate income and future earnings.","","C029"],["W17 — Business relationship","Is a guarantee requested because of a qualifying business role, or merely marriage/protected status?","Generic organizational role and guarantee policy; distinguish spouse from partner/officer/shareholder role.","","C030–C031"],["W18 — Special-purpose program","Is the program within current §8, and what law specifically requires the signature?","Published enabling law, program rules, required plan elements, relevant version, and signature mandate.","","C035–C037"],["W19 — FTC cosigner role","Is the proposed signer a natural person supporting another’s obligation without compensation, or a genuine primary beneficiary?","Proceeds/goods/services allocation and complete obligations; labels alone insufficient.","","C039, C042–C044"],["W20 — Notice content/version","Does the notice contain the complete applicable prescribed warning?","Blank official notice and complete generic notice specimen; any state-law modification authority.","","C047–C052"],["W21 — Obligation and delivery sequence","When does liability arise, and was the notice given before that event?","Agreement-execution sequence and delivery evidence; for open-end credit, agreement covering future charges.","","C046"],["W22 — Format and placement","Is the notice separate, and how is it placed in the packet?","Complete generic packet, notice placement, additions, language, and applicable official explanations.","","C047, C052"],["W23 — Receipt evidence","Is there proof of delivery, merely a file copy, an acknowledgment, or no available evidence?","Delivery/receipt evidence and its limits; distinguish missing document from proven nondelivery.","","C051, C053, C057"],["W24 — Copies and records gap","Which relevant instruments or delivery materials remain unavailable?","Explicit inventory of missing categories; separate any independently applicable copy/retention law.","","C053–C054"],["W25 — Renewal/release","Was creditworthiness reevaluated at renewal, and was the additional party still warranted?","Renewal terms, stated reevaluation, applicable guarantee basis, and release instrument if relevant.","","C007, C030, C032"],["W26 — Open-end changes/access","Is a marital/status change being used to demand reapplication, alter access, or add liability?","Existing terms, supporting-income facts, permitted reapplication conditions, and express authorized-user undertaking.","","C033–C034"],["W27 — Remedy and forum","What published authority supports the claimed consequence of a violation?","Applicable statutory claimant rule, published forum authority, state defenses, remedy provisions, and later history.","","C015, C057, C065"],["W28 — Final inference check","Is any conclusion resting only on marriage, household, title, credit reporting, access, or receipt of a notice?","Identify the missing promise, capacity, application intent, property-law link, or remedy authority.","","C018, C024–C026, C051, C066"]]},{"headers":["Example / assigned branch","Expressly assumed facts","Federal result at this pass’s scope","Contract/state-law unknowns and evidence needed","Adverse classification to avoid"],"index":7,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Example / assigned branch","Expressly assumed facts","Federal result at this pass’s scope","Contract/state-law unknowns and evidence needed","Adverse classification to avoid"],["H01 — Qualified sole applicant; Q6(a)","An individual applies alone, independently meets the creditor’s standards for the requested terms, and is asked for a spouse’s personal guaranty. No property, income-reliance, business-role, or program exception is assumed.","The demand conflicts with the general §7(d)(1) restriction. C016, C027.","Need the application, condition imposed, actual guarantee, applicable claimant/remedy authority, and state contract law before deciding consequences.","Treating the spouse as a voluntary joint applicant; or treating the prohibited demand as automatic proof the guaranty is void."],["H02 — Genuine joint applicants; Q6(b)","Both applicants contemporaneously request shared credit and separately affirm that intent at application.","The joint-applicant exception permits obtaining both applicants’ signatures. C017–C018.","The application is not the complete repayment contract. Need actual promise language, capacities, execution, and governing law; FTC primary-beneficiary status is a separate test.","Assuming joint intent alone establishes every later personal obligation; or treating every joint applicant as a notice-entitled cosigner."],["H03 — Sole applicant; other owner signs security; Q6(c)","One applicant seeks secured credit. Applicable law is assumed to require another owner’s signature only on a security instrument; the instrument clearly excludes that owner’s personal promise.","The collateral signature may be required. Requiring a note solely for convenience would not fit the assumed necessity. A signer with no personal liability is not converted into an FTC cosigner. C024–C026, C044.","Need the complete instrument and actual published property law. Lien validity, priority, foreclosure, and recourse remain unproved.","Calling the owner a personal debtor; or saying the owner faces no exposure because no personal promise exists."],["H04 — Business guarantor and spouse; Q6(d)","Credit is primarily business credit. An officer’s guaranty is requested because of the officer role, even though the business qualifies. The officer’s spouse is then automatically asked to guarantee.","The role-based officer guaranty may be permitted; automatic spouse addition is not justified by that permission. The FTC consumer-notice rule is not established for the assumed business transaction. C030–C031, C039.","Need full guarantees, the relationship-based policy, property/income facts if another exception is invoked, and state guaranty law.","Treating all business guarantees as prohibited for a qualified business; or treating every officer’s spouse as responsible."],["H05 — Community-property uncertainty; Q6(e)","A married sole applicant has the specified community-property-state connection, but management/control law and separate-property sufficiency are unknown.","The connection alone does not resolve §7(d)(3). Both substantive conditions and necessary-instrument analysis remain open. C023.","Need published state management/control and debt-access rules, property characterization, and the relevant sufficiency facts.","Inferring joint personal debt from marriage or geography; or rejecting every spouse signature without examining the statutory conditions."],["H06 — FTC cosigner versus primary purchaser; Q6(f)","In a covered consumer transaction, an unpaid natural person supports another’s debt and receives no goods, services, or money. Compare a genuine joint purchaser receiving the purchased goods.","The first fits the defined cosigner branch; the genuine primary-beneficiary alternative may not. Labels cannot substitute for the facts. C042–C043.","Need complete obligation language and allocation of benefits. Neither notice status decides enforceability.","Reclassifying a supporting signer as a co-borrower merely by caption; or treating every jointly signed purchase as a cosigner transaction."],["H07 — Missing or late notice; Q6(g)","Alternative A: the required notice is proved to have been delivered only after obligation. Alternative B: no notice is present in the available document set, but delivery history is unknown.","A fails the prior-delivery condition. B is an evidence gap, not yet proof of nondelivery. Neither yields automatic release. C046, C053, C057.","Need the obligation-formation event, delivery sequence, applicable exemption status, and remedy authority.","“No copy means no notice”; “late notice automatically cancels the debt”; or “signed guarantee proves notice compliance.”"],["H08 — Institution class uncertain; Q6(h)","Only a generic description such as bank, credit union, or finance business is supplied; no statutory classification is established.","FTC-rule coverage cannot be decided from the label. ECOA/Regulation B and other statutory duties require their own coverage analysis. C003, C039–C040, C058–C064.","Need legal-category and transaction facts; no roster or real institution search is authorized or performed.","Applying part 444 identically to every institution; or assuming absence of FTC jurisdiction removes all federal protections."],["H09 — Renewal and release","At renewal the creditor reevaluates creditworthiness and determines that no additional party remains warranted under the applicable rules; no independent business-role basis is assumed.","The official comment requires release of the additional party. If reevaluation or the no-longer-warranted premise is missing, that specific result is not established. C032.","Need renewal/reevaluation evidence and release terms; scope of historical liability and any separate continuing guaranty remains open.","Treating guarantees as automatically perpetual; or treating every renewal as automatic discharge."],["H10 — Unsecured joint assets","A sole applicant relies on joint property; the applicant’s own existing interest is assumed sufficient for the requested terms.","The nonapplicant owner’s signature cannot be demanded under the insufficiency branch. If the interest is insufficient, the limited alternatives must be examined. C019–C022.","Need the existing ownership form, property-situs law, accessibility, value, costs, and instrument purpose.","Ignoring the applicant’s own interest; relying on imagined future divorce; or routinely requiring forfeiture of the other owner’s title."],["H11 — Reliance on spouse’s income","An individual application actually relies on the spouse’s income; it is assumed not automatically available as community property.","A signature making that relied-on income available may be permitted. The reason is the specific income reliance, not marriage alone. C029.","Need income characterization, enforceable commitment terms, and relevant state law.","“A spouse can never be required to sign”; or “every married applicant must obtain a spouse signature.”"],["H12 — Incidental-credit exception","The extension is assumed to meet every element of §3(c)(1), including its non-card, no-finance-charge, and installment conditions.","Section 7(d) is excepted. That does not erase the general discrimination rule or independently settle FTC coverage. C010, C039.","Need terms establishing the exception and separate actor/consumer-purpose analysis; state liability remains open.","Applying §7(d) merely because the arrangement is credit; or treating the exception as proof that nobody owes."],["H13 — Special-purpose program","A qualifying program is asserted, and a signature is said to be required by law; no actual enabling law or compliant program materials are supplied.","The label alone is insufficient. Current §8 prerequisites, the applicable version, and the specific legal signature requirement must be established. C035–C037.","Need published enabling law and generic program materials; no actual eligibility assessment is made.","Treating any “special program” as permission to require a spouse’s personal guaranty."],["H14 — Defaulted obligation and forbearance","A covered creditor conditions forbearance on a defaulted consumer obligation on an unpaid natural person’s new supporting undertaking.","The FTC cosigner definition expressly reaches this branch; the notice must precede the new obligation. C042, C046.","Need forbearance/guaranty terms, formation and consideration law, delivery sequence, and coverage/exemption facts.","Assuming notice applies only when fresh loan proceeds are advanced."],["H15 — Account access without demonstrated promise","A person has account access or an authorized-user designation, but no express undertaking has been established.","Regulation B permits certain contractual-liability conditions for authorized users; that permission does not prove this user agreed. C006, C034.","Need complete agreement and capacity/assent evidence; other possible legal bases remain parent holds.","Treating access, household membership, or a credit-report entry as conclusive personal liability."]]},{"headers":["Assigned subquestion / significant branch","Status and reason","Claim / example links","Exact remaining gap and next bounded permissible investigation"],"index":8,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Assigned subquestion / significant branch","Status and reason","Claim / example links","Exact remaining gap and next bounded permissible investigation"],["Q1 — ECOA statutory actor, applicant, credit, person","Answered at necessary statutory scope.","C001–C006; S001–S002","Actual role/request/purpose facts absent. Next: compare a generic document’s stated roles with the cited definitions."],["Q1 — Consumer versus business coverage","Answered. Both may fall under Regulation B; FTC purpose rule is narrower.","C002, C030, C039; H04","Mixed-purpose characterization may need generic terms and applicable published interpretation. No broad classification survey undertaken."],["Q1 — Participating creditor, assignee, referral-only actor","Answered as a rule; actual participation unresolved.","C003","Need role and decision-participation facts; do not infer §7(d) coverage from referral language limited to §4(a)–(b)."],["Q1 — Guarantor regulatory inclusion","Answered. Inclusion is express for §7(d).","C005, C031","Does not supply statutory plaintiff/defense status."],["Q1 — Statutory guarantor claim/defense and jurisdiction","Partial. One complete appellate majority and its Supreme Court disposition read.","C015, C065; S027–S028","Current governing forum’s published authority and precise posture remain missing. Next: bounded published-opinion review after a jurisdictional research scope is defined; no docket/status query."],["Q1 — Securities exception","Answered. Express §7(d) exclusion.","C009","Actual statutory securities-credit classification absent; next published-law analysis only if needed for a generic scenario."],["Q1 — Incidental-credit exception","Answered. Complete conjunctive definition and signature exception identified.","C010; H12","Need transaction terms for each element; no automatic exemption merely from “bill” or “service.”"],["Q1 — Government credit","Answered. To-government versus by-government distinction made.","C011","Actual recipient class absent."],["Q1 — Utility credit","Answered. Listed exception does not eliminate §7(d).","C012","Need service and rate-regulation facts; no utility entity lookup."],["Q1 — Territory and §1029 dealer boundary","Partial. Part-1002 boundary and Act preservation established.","C008; S005, S014","Complete counterpart part-202 treatment for an excluded dealer not completed. Next: published counterpart regulation and transfer-rule analysis only."],["Q1 — Currentness/effective/later history","Partial, expressly bounded. Current agency text and relevant final rules read.","C037, C058–C064","No complete session-law lag audit, official annual-CFR audit, or universe of judicial orders. Next: targeted published amendments/opinions, without case-record searches."],["Q2 — Individually qualified applicant; Q6(a)","Answered with exceptions visible.","C016; H01","Actual qualification not assessed; contract consequence/remedy remains separate."],["Q2 — Genuine joint application; Q6(b)","Answered. Contemporaneous intent and separate evidence requirements covered.","C017–C018; H02","Need application-stage evidence, not just a later note or financial statement."],["Q2 — Unsecured joint property: valuation","Answered. Existing-interest valuation and speculative-change prohibition covered.","C019–C020; H10","State attachment/partition rules and value/cost facts missing. Next: state published law for a specified generic ownership form."],["Q2 — Unsecured joint property: instruments/options","Answered. Necessity, death/default access, alternatives, and forfeiture limit covered.","C021–C022; H10","Exact instrument and state-law necessity missing."],["Q2 — Community property; Q6(e)","Answered rule; application unresolved. Both required financial/property conditions stated.","C023; H05","State management/control, separate/community characterization, and sufficiency facts missing."],["Q2 — Secured collateral-only signature; Q6(c)","Answered. Security access distinguished from personal promise.","C024–C025; H03","State lien-creation requirements and full instrument missing; perfection/priority/remedies excluded."],["Q2 — Integrated note/security document","Answered. Clear limitation requirement and example of nearby legend covered.","C026; H03","Need the whole document; no unseen signature block or legend treated as inspected."],["Q2 — Additional personal party and spouse choice","Answered. Necessity does not authorize a spouse-only condition.","C027–C028; H01","Actual standards, reason, and eligibility restrictions missing."],["Q2 — Other person’s/spouse’s income","Answered. Separate-income and future-earnings conditions covered.","C029; H11","Actual reliance and state income characterization missing."],["Q2 — Business role and guarantor’s spouse; Q6(d)","Answered. Qualified-business exception and spouse protection both covered.","C030–C031; H04","Role, financial circumstances, guarantee terms, and state law missing."],["Q2 — Renewals, extensions, release","Answered at definition and conditional-comment scope.","C007, C032; H09","Reevaluation, continuing justification, and effect on existing obligations missing. General release/novation law excluded."],["Q2 — Existing open-end account changes","Answered only as material to signature/reapplication issues.","C033","Supporting-income facts and existing terms missing; no general adverse-action survey."],["Q2/Q5 — Authorized-user and overdraft distinctions","Answered. Permissible required undertaking separated from actual agreement.","C006, C034; H15","Express contractual undertaking and other possible legal bases unproved."],["Q2 — Special-purpose-program exception","Answered rule; actual program unresolved. Current prerequisites and law-required signature condition covered.","C035–C037; H13","Specific program law, date/version, and compliant generic materials missing; actual eligibility excluded."],["Q3 — FTC creditor/debt/consumer/commerce coverage","Answered at rule-definition level.","C039–C040","Actual institutional and transaction facts absent; statutory cross-reference classification not performed for any entity."],["Q3 — Real-estate-purchase scope","Answered as published FTC interpretation, not invented rule wording.","C041","Boundary cases such as mixed-purpose/refinancing structures not comprehensively researched. Next: targeted official published interpretation for a defined generic structure."],["Q3 — Cosigner versus co-borrower; Q6(f)","Answered. Natural-person, another’s obligation, compensation, benefit, and label conditions covered.","C042–C044; H06","Actual benefit allocation and obligation terms missing."],["Q3 — Defaulted obligation/forbearance","Answered. Express definitional branch included.","C042, C046; H14","New undertaking’s formation and prior delivery evidence missing."],["Q3 — Complete required notice content","Answered. All four paragraphs and heading accounted for.","C048–C051; S015","Paraphrase is not a substitute compliance form; actual notice version not reviewed."],["Q3 — Timing and open-end trigger","Answered. Before obligation; future-charge agreement execution for open-end credit.","C046; H07","Actual chronology unproved. No invented advance-day rule or expiry period."],["Q3 — Format, packet placement, language","Answered with authority levels separated. Rule versus staff implementation guidance distinguished.","C047, C052","Complete generic packet, additions, and applicable state-language rules absent. Electronic-delivery law excluded."],["Q3 — Collection sequence and rights","Answered as warning and limitation. No universal collection-first priority inferred.","C050, C052","State sequence, contract waivers, judicial procedures, exemptions, and actual remedies remain missing."],["Q3 — Records, copies, acknowledgment","Answered within part 444 and the official materials read.","C051, C053–C054","Other retention/copy statutes and actual delivery evidence unreviewed; absence of a file copy is not decisive."],["Q3 — Missing/late notice; Q6(g)","Answered at compliance level; remedy unresolved.","C057; H07","Need formation timing, delivery proof, governing remedies law, and forum. No automatic release or private cause inferred."],["Q3 — FTC state/person exemptions","Partial. Complete mechanisms read; specific current determinations not verified.","C055–C056","A historical California exemption reference surfaced, but operative/current determination was not read. Next: the published FTC determination and any published amendment/revocation, without state-wide liability surveying."],["Q4 — Bank/CU/nonbank distinction; Q6(h)","Answered framework; actual coverage unresolved.","C040, C058–C064; H08","Exact statutory actor class absent; no roster used."],["Q4 — Federal Reserve and NCUA repeals","Answered. Actual final-rule bodies/instructions and dates read.","C058–C059","No actual pre-repeal transaction adjudicated; other laws remain separate."],["Q4 — OTS/OCC history","Partial historical reconstruction. Joint explanation and actual integration/removal documents consulted.","C060","Full 2011 republication comparison and any correction to the later printed effective date not verified. Next: published correction/republication text only if that historical date matters."],["Q4 — 2014 guidance current status","Partial across publishers. CFPB/NCUA status verified; Fed/OCC pages checked; FDIC blocked.","C062–C063","FDIC publisher status not established. Next: an accessible official publication or withdrawal notice; no access workaround."],["Q4 — Statutory authority versus new notice duty","Answered at bounded level. Repeal, statutes, and guidance separated.","C061, C063","A particular conduct-based UDAAP determination requires its statutory elements and facts; none made."],["Q4 — Proposed replacement","Answered for the identified proposal. Actual withdrawal and later agency acknowledgment read.","C064","No assertion that an old proposal page is current law; no exhaustive inventory of every possible product-specific duty."],["Q5 — Blank liability/signature audit","Answered. W01–W28 provided, with blank findings.","C038, C066; worksheet","Actual formation, authority, signatures, state-law effects, and remedies deliberately unresolved."],["Q6 — All eight required branches and additional failures","Answered. H01–H08 map directly to (a)–(h); H09–H15 cover additional material branches.","H01–H15","Hypotheses are assumptions for analysis, not records, actual qualification findings, or real liability decisions."],["General debt/TILA/FDCPA gateways; comprehensive state/remedy/litigation surveys","Excluded by assignment.","Parent holds below","No prior report assumed to have completed these dimensions."]]},{"headers":["Log item","Exact route(s) / event","Result and treatment"],"index":9,"links":[{"href":"https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section1691a&num=0&edition=prelim","text":"https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section1691a&num=0&edition=prelim"},{"href":"https://uscode.house.gov/view.xhtml?req=(title:15+section:1691a+edition:prelim)&utm_source=chatgpt.com","text":"https://uscode.house.gov/view.xhtml?req=%28title%3A15+section%3A1691a+edition%3Aprelim%29"},{"href":"https://uscode.house.gov/view.xhtml?req=%28title%3A15+section%3A1691+edition%3Aprelim%29","text":"https://uscode.house.gov/view.xhtml?req=%28title%3A15+section%3A1691+edition%3Aprelim%29"},{"href":"https://uscode.house.gov/us/usc/119-121/t15/s1691d/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-121/t15/s1691d/"},{"href":"https://uscode.house.gov/us/usc/119-121/t15/s1691e/","text":"https://uscode.house.gov/us/usc/119-121/t15/s1691e/"},{"href":"https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section1691d&num=0&edition=prelim","text":"https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section1691d&num=0&edition=prelim"},{"href":"https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section1691e&num=0&edition=prelim","text":"https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section1691e&num=0&edition=prelim"},{"href":"https://www.govinfo.gov/content/pkg/USCODE-2025-title15/html/USCODE-2025-title15-chap41-subchapIV-sec1691d.htm","text":"https://www.govinfo.gov/content/pkg/USCODE-2025-title15/html/USCODE-2025-title15-chap41-subchapIV-sec1691d.htm"},{"href":"https://www.govinfo.gov/content/pkg/USCODE-2025-title15/html/USCODE-2025-title15-chap41-subchapIV-sec1691e.htm","text":"https://www.govinfo.gov/content/pkg/USCODE-2025-title15/html/USCODE-2025-title15-chap41-subchapIV-sec1691e.htm"},{"href":"https://www.fdic.gov/news/financial-institution-letters/2014/fil14044.html?utm_source=chatgpt.com","text":"https://www.fdic.gov/news/financial-institution-letters/2014/fil14044.html"},{"href":"https://www.fdic.gov/laws-and-regulations/fdic-and-interagency-statements?utm_source=chatgpt.com","text":"https://www.fdic.gov/laws-and-regulations/fdic-and-interagency-statements"},{"href":"https://www.ecfr.gov/current/title-12/chapter-X/part-1002/subpart-A/section-1002.7?utm_source=chatgpt.com","text":"https://www.ecfr.gov/current/title-12/chapter-X/part-1002/subpart-A/section-1002.7"},{"href":"https://unblock.federalregister.gov/","text":"https://unblock.federalregister.gov/"},{"href":"https://www.govinfo.gov/content/pkg/FR-2014-09-29/pdf/2014-22715.pdf","text":"https://www.govinfo.gov/content/pkg/FR-2014-09-29/pdf/2014-22715.pdf"},{"href":"https://www.govinfo.gov/link/fr/76/48950","text":"https://www.govinfo.gov/link/fr/76/48950"},{"href":"https://www.govinfo.gov/content/pkg/CFR-2026-title12-vol8/pdf/CFR-2026-title12-vol8-part1002-appB.pdf","text":"https://www.govinfo.gov/content/pkg/CFR-2026-title12-vol8/pdf/CFR-2026-title12-vol8-part1002-appB.pdf"},{"href":"https://www.govinfo.gov/content/pkg/FR-1988-06-01/pdf/FR-1988-06-01.pdf?utm_source=chatgpt.com","text":"https://www.govinfo.gov/content/pkg/FR-1988-06-01/pdf/FR-1988-06-01.pdf"},{"href":"https://www.govinfo.gov/content/pkg/FR-2017-10-11/html/2017-21904.htm","text":"https://www.govinfo.gov/content/pkg/FR-2017-10-11/html/2017-21904.htm"},{"href":"https://www.consumerfinance.gov/compliance/guidance/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/compliance/guidance/"},{"href":"https://downloads.regulations.gov/FTC-2026-0728-0001/content.pdf?utm_source=chatgpt.com","text":"https://downloads.regulations.gov/FTC-2026-0728-0001/content.pdf"},{"href":"https://www.ecfr.gov/current/title-12/chapter-II/subchapter-A/part-202/section-202.1?utm_source=chatgpt.com","text":"https://www.ecfr.gov/current/title-12/chapter-II/subchapter-A/part-202/section-202.1"}],"row_links":[[],[{"href":"https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section1691a&num=0&edition=prelim","text":"https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section1691a&num=0&edition=prelim"},{"href":"https://uscode.house.gov/view.xhtml?req=(title:15+section:1691a+edition:prelim)&utm_source=chatgpt.com","text":"https://uscode.house.gov/view.xhtml?req=%28title%3A15+section%3A1691a+edition%3Aprelim%29"},{"href":"https://uscode.house.gov/view.xhtml?req=%28title%3A15+section%3A1691+edition%3Aprelim%29","text":"https://uscode.house.gov/view.xhtml?req=%28title%3A15+section%3A1691+edition%3Aprelim%29"}],[{"href":"https://uscode.house.gov/us/usc/119-121/t15/s1691d/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-121/t15/s1691d/"},{"href":"https://uscode.house.gov/us/usc/119-121/t15/s1691e/","text":"https://uscode.house.gov/us/usc/119-121/t15/s1691e/"},{"href":"https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section1691d&num=0&edition=prelim","text":"https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section1691d&num=0&edition=prelim"},{"href":"https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section1691e&num=0&edition=prelim","text":"https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section1691e&num=0&edition=prelim"}],[{"href":"https://www.govinfo.gov/content/pkg/USCODE-2025-title15/html/USCODE-2025-title15-chap41-subchapIV-sec1691d.htm","text":"https://www.govinfo.gov/content/pkg/USCODE-2025-title15/html/USCODE-2025-title15-chap41-subchapIV-sec1691d.htm"},{"href":"https://www.govinfo.gov/content/pkg/USCODE-2025-title15/html/USCODE-2025-title15-chap41-subchapIV-sec1691e.htm","text":"https://www.govinfo.gov/content/pkg/USCODE-2025-title15/html/USCODE-2025-title15-chap41-subchapIV-sec1691e.htm"}],[{"href":"https://www.fdic.gov/news/financial-institution-letters/2014/fil14044.html?utm_source=chatgpt.com","text":"https://www.fdic.gov/news/financial-institution-letters/2014/fil14044.html"},{"href":"https://www.fdic.gov/laws-and-regulations/fdic-and-interagency-statements?utm_source=chatgpt.com","text":"https://www.fdic.gov/laws-and-regulations/fdic-and-interagency-statements"}],[{"href":"https://www.ecfr.gov/current/title-12/chapter-X/part-1002/subpart-A/section-1002.7?utm_source=chatgpt.com","text":"https://www.ecfr.gov/current/title-12/chapter-X/part-1002/subpart-A/section-1002.7"},{"href":"https://unblock.federalregister.gov/","text":"https://unblock.federalregister.gov/"}],[{"href":"https://www.govinfo.gov/content/pkg/FR-2014-09-29/pdf/2014-22715.pdf","text":"https://www.govinfo.gov/content/pkg/FR-2014-09-29/pdf/2014-22715.pdf"}],[{"href":"https://www.govinfo.gov/link/fr/76/48950","text":"https://www.govinfo.gov/link/fr/76/48950"}],[{"href":"https://www.govinfo.gov/content/pkg/CFR-2026-title12-vol8/pdf/CFR-2026-title12-vol8-part1002-appB.pdf","text":"https://www.govinfo.gov/content/pkg/CFR-2026-title12-vol8/pdf/CFR-2026-title12-vol8-part1002-appB.pdf"}],[{"href":"https://www.govinfo.gov/content/pkg/FR-1988-06-01/pdf/FR-1988-06-01.pdf?utm_source=chatgpt.com","text":"https://www.govinfo.gov/content/pkg/FR-1988-06-01/pdf/FR-1988-06-01.pdf"}],[{"href":"https://www.govinfo.gov/content/pkg/FR-2017-10-11/html/2017-21904.htm","text":"https://www.govinfo.gov/content/pkg/FR-2017-10-11/html/2017-21904.htm"}],[{"href":"https://www.consumerfinance.gov/compliance/guidance/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/compliance/guidance/"}],[{"href":"https://downloads.regulations.gov/FTC-2026-0728-0001/content.pdf?utm_source=chatgpt.com","text":"https://downloads.regulations.gov/FTC-2026-0728-0001/content.pdf"}],[],[],[],[{"href":"https://www.ecfr.gov/current/title-12/chapter-II/subchapter-A/part-202/section-202.1?utm_source=chatgpt.com","text":"https://www.ecfr.gov/current/title-12/chapter-II/subchapter-A/part-202/section-202.1"}]],"rows":[["Log item","Exact route(s) / event","Result and treatment"],["F01 — Legacy House routes","https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section1691a&num=0&edition=prelim ; https://uscode.house.gov/view.xhtml?req=%28title%3A15+section%3A1691a+edition%3Aprelim%29 ; https://uscode.house.gov/view.xhtml?req=%28title%3A15+section%3A1691+edition%3Aprelim%29","404/maintenance responses on these routes. Necessary statutory bodies were subsequently read through S001–S002’s canonical compilation URLs."],["F02 — Earlier §1691d/e routes","https://uscode.house.gov/us/usc/119-121/t15/s1691d/ ; https://uscode.house.gov/us/usc/119-121/t15/s1691e/ ; https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section1691d&num=0&edition=prelim ; https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section1691e&num=0&edition=prelim","Timeout/server/404 failures. Resolved by S003–S004’s 119-124 compilation URLs."],["F03 — Annual-code alternatives","https://www.govinfo.gov/content/pkg/USCODE-2025-title15/html/USCODE-2025-title15-chap41-subchapIV-sec1691d.htm ; https://www.govinfo.gov/content/pkg/USCODE-2025-title15/html/USCODE-2025-title15-chap41-subchapIV-sec1691e.htm","Tool-inaccessible. Not counted as statutory reads; canonical House bodies supplied the necessary text."],["F04 — FDIC guidance status","https://www.fdic.gov/news/financial-institution-letters/2014/fil14044.html ; https://www.fdic.gov/laws-and-regulations/fdic-and-interagency-statements","Both returned 403. FDIC current publisher status remains unresolved. Search discovery was not substituted for a body read."],["F05 — eCFR access challenge","https://www.ecfr.gov/current/title-12/chapter-X/part-1002/subpart-A/section-1002.7 ; resulting access page https://unblock.federalregister.gov/","A later retrieval encountered an access/CAPTCHA page. No workaround attempted. Complete necessary regulation/commentary read from CFPB’s public regulation page."],["F06 — Wrong-date NCUA route","https://www.govinfo.gov/content/pkg/FR-2014-09-29/pdf/2014-22715.pdf","Inaccessible. Correct October 3 publication retrieved and read at S021."],["F07 — OCC historical route","https://www.govinfo.gov/link/fr/76/48950","Inaccessible. The alternate published-page link in S022 returned the 250-page integration document. Only the stated portions were read; no full-document omission comparison claimed."],["F08 — Appendix B and visual limits","https://www.govinfo.gov/content/pkg/CFR-2026-title12-vol8/pdf/CFR-2026-title12-vol8-part1002-appB.pdf ; S013’s two image URLs.","Guessed annual-appendix route inaccessible. Image retrieval returned markers rather than inspectable pixels. No form-layout or image-text findings are claimed. Official introductory text and model legal clauses support the worksheet."],["F09 — Historical exemption discovery","https://www.govinfo.gov/content/pkg/FR-1988-06-01/pdf/FR-1988-06-01.pdf","Whole-issue retrieval failed for size. A discovery reference to a California exemption was not promoted into a read/current exemption conclusion. C055’s mechanism is established; particular determinations remain a gap."],["F10 — Treasury HTML alternative","https://www.govinfo.gov/content/pkg/FR-2017-10-11/html/2017-21904.htm","Inaccessible; official PDF in S022 was read. Its printed 2018 effective date was retained as printed, not silently replaced with publication year. A screenshot response did not yield verified pixels; PDF text is not called visual inspection."],["F11 — CFPB index follow-through","Starting page: https://www.consumerfinance.gov/compliance/guidance/","One attempted link-follow operation could not resolve its target. The actual index body, withdrawal register, and full joint guidance at the Federal Reserve were read separately."],["F12 — Irrelevant later-notice discovery","https://downloads.regulations.gov/FTC-2026-0728-0001/content.pdf","A generic current-rule search surfaced this June 2026 notice; download returned 403. Discovery identified a Privacy Act notice, not a credit-practices rule. It supplies no substantive support here; no underlying personal records were accessed."],["F13 — Proposal page versus legal status","All three complete URLs in S026.","The old landing page still describes a proposal. The actual May 2025 withdrawal and August 2026 agency statement control the reported status; an old page heading was not treated as a new rule."],["F14 — Retrieval truncation and repeat reads","Some batched public-web outputs were truncated.","Necessary bodies were reopened in bounded portions. Unseen truncated material was not counted as read. Reopening the same document is not independent corroboration."],["F15 — Judicial read limits","Complete published opinion/disposition URLs in S027–S028.","Majority body and Supreme Court disposition read. No case-record/docket-status query, comprehensive citator, all-circuit survey, or unseen majority opinion claimed."],["F16 — Side-source not used to establish a counterpart regime","https://www.ecfr.gov/current/title-12/chapter-II/subchapter-A/part-202/section-202.1","Scope text was consulted, but a complete current part-202 signature/counterpart analysis was not performed. The §1029 boundary remains expressly partial rather than being filled from assumption."]]},{"headers":["Assigned question","Principal sources","Claims / deliverables"],"index":10,"links":[],"row_links":[[],[],[],[],[],[],[]],"rows":[["Assigned question","Principal sources","Claims / deliverables"],["1. Necessary ECOA/Regulation B coverage, applicant/guarantor definition, standing and currentness limits","S001–S007, S012, S014, S027–S028","C001–C015, C037, C065; corresponding coverage rows and judicial read limits"],["2. Every additional-signature/spouse branch, joint intent, collateral, business, renewal/change","S003, S006, S008–S013","C016–C038; H01–H05, H09–H13, H15; W04–W18, W25–W26"],["3. FTC exact coverage, cosigner definition, full notice, timing, format, copies/records, remedies limits","S015–S018","C039–C057; complete notice-content rows C048–C051; H06–H07, H14; W19–W24"],["4. Bank/CU/thrift changes, repeals, current guidance status, statutory authority","S018–S026","C040, C058–C064; institution table; H08; F04, F07, F10, F13"],["5. Blank generic document/signature/liability audit","S006, S008, S010, S013, S015–S017, S027–S028","W01–W28; C006, C038, C051–C057, C065–C066"],["6. At least eight hypothetical qualitative failure branches","Underlying claim sources above","H01–H08 satisfy the specified branches; H09–H15 add renewal, valuation, income, incidental credit, program, forbearance, and account-access branches"]]},{"headers":["Check","Result"],"index":11,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Check","Result"],["Actual current-date public browsing","Performed on October 27, 2026, America/Los_Angeles; source/version cutoffs separately recorded."],["Complete relevant operative bodies","Complete §1002.7(d) and its official comments; necessary adjacent clauses/comments; complete part 444 including notice and exemption conditions read."],["Exceptions preserved","Securities, incidental, government, utility, property, income, business-role, special-program, institutional, and exemption mechanisms identified."],["Regulatory definition versus statutory remedy","Kept separate; no uniform guarantor standing or private-remedy conclusion inferred."],["Notice versus agreement","Explicitly separated; no receipt-as-guaranty or missing-notice-as-release inference."],["Current guidance status","CFPB registers and publisher pages checked; FDIC retrieval gap remains visible. Withdrawn ECOA advisories not used as operative support."],["Judicial evidence","Complete relevant majority body and Supreme Court disposition read; posture, disposition, pinpoint, and later-history limits recorded."],["Visible deliverables","Source, claim, institution, worksheet, hypothetical, coverage, failure-log, crosswalk, and self-check tables appear in this answer."],["Actual-data and owner limits","No actual liability/eligibility decision, institution roster, borrower/property/account lookup, record request, filing, contact, form completion, publication, local coordinator file, or subagent work."],["Independent review / acceptance","None claimed. This is the same researcher’s self-check, not independent legal review, operational acceptance, or parent completion."]]},{"headers":["Parent dimension","Specific matters still held"],"index":12,"links":[],"row_links":[[],[],[],[],[],[],[],[],[]],"rows":[["Parent dimension","Specific matters still held"],["Actual formation and attribution","Contract formation; assent; authority and agency; signature authenticity; identity; fraud; ratification; assumption; release; novation. The narrow renewal-release comment does not complete general release law."],["Guaranty and suretyship law","Full guaranty construction; suretyship defenses; modification effects; waiver validity; contribution; reimbursement; subrogation."],["Marital and other personal-status law","Full marital/community-property regimes; family/necessaries obligations; succession and estates; minors and incapacity; state, local, tribal, and foreign law."],["Security and remedies against property","Attachment, perfection, priority, lien enforceability, foreclosure and other secured remedies, recourse/nonrecourse consequences, and property-specific exemptions."],["Product-specific obligations","Student, medical, housing, utility, tax, public, employment, business, and foreign obligations; product-specific notice, copy, cancellation, and release requirements."],["Lifecycle, procedure, and remedies","Insolvency/discharge; limitations; evidence and burdens; claimant status and standing in the relevant forum; court procedures; enforcement and remedies; the remaining debt lifecycle."],["Programs, settlement, and operations","Actual program eligibility; settlement suitability; tools and other A003 dimensions; operations and publication decisions."],["Unfinished bounded authority checks","Specific current FTC exemption determinations; FDIC publisher status; full excluded-dealer counterpart treatment; complete current forum-specific guarantor authority; and any transaction-date-specific legislative or judicial history needed for a later defined question."]]}],"claims":[{"claim_id":"R003-P1-C001","area_numbers":[3],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"R003-P1-C001","Area / type":"A003 / Text","Precise assertion and operative conditions":"ECOA prohibits a creditor from discriminating against an applicant concerning any aspect of a credit transaction on the enumerated bases, including sex and marital status.","Limits and exceptions":"This is a credit-discrimination prohibition, not a federal determination that every spouse owes, or that every debt arrangement is covered credit.","Source / exact pinpoint":"S001, §1691(a). \nuscode.house.gov"},"coordinator_verification_status":"original_attribution_or_unreopened_material_premise_held","coordinator_review":{"at":"2026-10-29T08:28:15.255539+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"original_attribution_or_unreopened_material_premise_held","scope":"No selected fresh body establishes every material cited premise; retain exact original issuer/version/guidance/jurisdiction limits and fresh45 failure where applicable. No contradiction established, no acceptance.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R003-P1-C002","area_numbers":[3],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"R003-P1-C002","Area / type":"A003 / Text + Comment","Precise assertion and operative conditions":"ECOA credit concerns a right to defer payment, incur debt and defer payment, or acquire property/services and defer payment. Regulation B generally reaches personal and commercial credit; its basic credit definition does not require a finance charge or a particular installment count.","Limits and exceptions":"The specific §1002.3 exceptions still matter. This does not rerun TILA or FDCPA coverage.","Source / exact pinpoint":"S002, §1691a(d), (f); S005, comment 1(a)-1; S006, §2(g), (h), (j), comment 2(j)-1. \nuscode.house.gov\n+1"},"coordinator_verification_status":"selected_definition_clauses_checked_other_premises_held","coordinator_review":{"at":"2026-10-29T08:28:15.255539+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"selected_definition_clauses_checked_other_premises_held","scope":"Selectedstatutory/regulatorydefinitionssupporttheboundedwording; elsewherecitedscope/motor-dealer/judicial/actualexpresspromiseconditionsremainunaccepted.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R003-P1-C003","area_numbers":[3],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"R003-P1-C003","Area / type":"A003 / Text + Comment","Precise assertion and operative conditions":"Statutory creditor includes regular extenders, renewers, continuers, arrangers, and participating assignees. Regulation B’s operative definition includes regular participation in credit decisions, including setting terms, and participating assignees/transferees/subrogees.","Limits and exceptions":"The additional referral-only definition expressly applies to §4(a)–(b); it cannot automatically be carried into §7(d). The definition also limits responsibility for another creditor’s violation where there was no prior knowledge or reasonable notice, and excludes merely honoring a credit card.","Source / exact pinpoint":"S002, §1691a(e); S006, §2(l), comments 2(l)-1–2. \nConsumer Financial Protection Bureau"},"coordinator_verification_status":"selected_definition_clauses_checked_other_premises_held","coordinator_review":{"at":"2026-10-29T08:28:15.255539+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"selected_definition_clauses_checked_other_premises_held","scope":"Selectedstatutory/regulatorydefinitionssupporttheboundedwording; elsewherecitedscope/motor-dealer/judicial/actualexpresspromiseconditionsremainunaccepted.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R003-P1-C004","area_numbers":[3],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"R003-P1-C004","Area / type":"A003 / Text + Comment","Precise assertion and operative conditions":"A Regulation B application can be oral or written under the creditor’s actual procedures. Actual practice matters, not only the creditor’s written application policy.","Limits and exceptions":"Ordinary use within an existing credit limit is excluded from this application definition. This claim does not decide every inquiry/prequalification or adverse-action issue.","Source / exact pinpoint":"S006, §2(f), comments 2(f)-1–2. \nConsumer Financial Protection Bureau"},"coordinator_verification_status":"selected_definition_clauses_checked_other_premises_held","coordinator_review":{"at":"2026-10-29T08:28:15.255539+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"selected_definition_clauses_checked_other_premises_held","scope":"Selectedstatutory/regulatorydefinitionssupporttheboundedwording; elsewherecitedscope/motor-dealer/judicial/actualexpresspromiseconditionsremainunaccepted.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R003-P1-C005","area_numbers":[3],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"R003-P1-C005","Area / type":"A003 / Text","Precise assertion and operative conditions":"Statutory applicant under §1691a(b) and regulatory applicant under §1002.2(e) are not identically worded. The regulation expressly includes guarantors, sureties, endorsers, and similar parties for §1002.7(d).","Limits and exceptions":"That express regulatory inclusion does not itself settle statutory claimant status, standing, available defenses, or a private remedy in every court.","Source / exact pinpoint":"S002, §1691a(b); S006, §2(e); S027–S028. \nuscode.house.gov\n+2"},"coordinator_verification_status":"selected_definition_clauses_checked_other_premises_held","coordinator_review":{"at":"2026-10-29T08:28:15.255539+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"selected_definition_clauses_checked_other_premises_held","scope":"Selectedstatutory/regulatorydefinitionssupporttheboundedwording; elsewherecitedscope/motor-dealer/judicial/actualexpresspromiseconditionsremainunaccepted.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R003-P1-C006","area_numbers":[3],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"R003-P1-C006","Area / type":"A003 / Text + Synthesis","Precise assertion and operative conditions":"Regulation B defines contractual liability by an express agreement to repay all debts arising on an account.","Limits and exceptions":"The definition does not authenticate a signature, establish authority, resolve formation, or transform an account label, access permission, or credit-report entry into that agreement.","Source / exact pinpoint":"S006, §2(i); S008, comment 7(a)-1. \nConsumer Financial Protection Bureau\n+1"},"coordinator_verification_status":"selected_definition_clauses_checked_other_premises_held","coordinator_review":{"at":"2026-10-29T08:28:15.255539+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"selected_definition_clauses_checked_other_premises_held","scope":"Selectedstatutory/regulatorydefinitionssupporttheboundedwording; elsewherecitedscope/motor-dealer/judicial/actualexpresspromiseconditionsremainunaccepted.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R003-P1-C007","area_numbers":[3],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"R003-P1-C007","Area / type":"A003 / Text","Precise assertion and operative conditions":"Extensions of credit include refinancing, renewals, consolidation, additional credit, and certain continuations at or after maturity. Credit transaction includes dealings concerning existing credit as well as applications.","Limits and exceptions":"This broad lifecycle coverage does not make every modification a new guaranty or automatically trigger release; the particular renewal comment has its own conditions. Regulation B’s open-end definition also excludes negotiated advances under an open-end real-estate mortgage or letter of credit.","Source / exact pinpoint":"S006, §2(m), (q), (w), comment 2(w)-1. \nConsumer Financial Protection Bureau"},"coordinator_verification_status":"selected_definition_clauses_checked_other_premises_held","coordinator_review":{"at":"2026-10-29T08:28:15.255539+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"selected_definition_clauses_checked_other_premises_held","scope":"Selectedstatutory/regulatorydefinitionssupporttheboundedwording; elsewherecitedscope/motor-dealer/judicial/actualexpresspromiseconditionsremainunaccepted.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R003-P1-C008","area_numbers":[3],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"R003-P1-C008","Area / type":"A003 / Text + Comment","Precise assertion and operative conditions":"Part 1002 generally applies to U.S. lending, including Puerto Rico and U.S. territories, and excludes persons covered by the specified §1029 motor-vehicle-dealer exclusion.","Limits and exceptions":"That is an exclusion from this part, not from ECOA itself. Section 5519 contains activity-based carvebacks. Exact counterpart-Regulation-B treatment for such an actor is not completed here.","Source / exact pinpoint":"S005, §1(a), comments 1(a)-1–2; S014, §5519(a)–(d). \nConsumer Financial Protection Bureau"},"coordinator_verification_status":"original_attribution_or_unreopened_material_premise_held","coordinator_review":{"at":"2026-10-29T08:28:15.255539+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"original_attribution_or_unreopened_material_premise_held","scope":"No selected fresh body establishes every material cited premise; retain exact original issuer/version/guidance/jurisdiction limits and fresh45 failure where applicable. No contradiction established, no acceptance.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R003-P1-C009","area_numbers":[3],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"R003-P1-C009","Area / type":"A003 / Text","Precise assertion and operative conditions":"Section 7(d) does not apply to securities credit as defined in §3(b)(1): credit regulated under Securities Exchange Act §7, or credit by a broker/dealer regulated as such under that Act.","Limits and exceptions":"This is the specified signature-rule exception, not permission for every discriminatory practice and not a ruling on an actual securities obligation.","Source / exact pinpoint":"S007, §3(b)(1), (b)(2)(vi). \nConsumer Financial Protection Bureau"},"coordinator_verification_status":"complete_exception_body_checked_application_held","coordinator_review":{"at":"2026-10-29T08:28:15.255539+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"complete_exception_body_checked_application_held","scope":"Alloperative3andcommentsread; exceptionsconditions/conjunctivequalifiersandremaininggenerallawrestrictionspreserved.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R003-P1-C010","area_numbers":[3],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"R003-P1-C010","Area / type":"A003 / Text + Comment","Precise assertion and operative conditions":"Section 7(d) does not apply to defined incidental consumer credit: other than utility/securities credit, not under a credit-card account, not subject to a finance charge as defined in §1026.4, and not payable by agreement in more than four installments.","Limits and exceptions":"All stated definitional conditions matter. “Four” is an installment-count condition in §3(c)(1)(iii), not an invented qualification or payment schedule. A deferral can still be ECOA credit even though this exception applies.","Source / exact pinpoint":"S007, §3(c)(1), (c)(2)(v), comment 3(c)-1. \nConsumer Financial Protection Bureau"},"coordinator_verification_status":"complete_exception_body_checked_application_held","coordinator_review":{"at":"2026-10-29T08:28:15.255539+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"complete_exception_body_checked_application_held","scope":"Alloperative3andcommentsread; exceptionsconditions/conjunctivequalifiersandremaininggenerallawrestrictionspreserved.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R003-P1-C011","area_numbers":[3],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"R003-P1-C011","Area / type":"A003 / Text + Comment","Precise assertion and operative conditions":"Credit to governments, subdivisions, agencies, or instrumentalities is exempt from the part’s requirements except §4(a)’s general nondiscrimination rule.","Limits and exceptions":"Credit by a government agency to consumers is not within that exception merely because the creditor is governmental.","Source / exact pinpoint":"S007, §3(d), comment 3(d)-1. \nConsumer Financial Protection Bureau"},"coordinator_verification_status":"complete_exception_body_checked_application_held","coordinator_review":{"at":"2026-10-29T08:28:15.255539+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"complete_exception_body_checked_application_held","scope":"Alloperative3andcommentsread; exceptionsconditions/conjunctivequalifiersandremaininggenerallawrestrictionspreserved.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R003-P1-C012","area_numbers":[3],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"R003-P1-C012","Area / type":"A003 / Text + Comment","Precise assertion and operative conditions":"The defined public-utility-credit exception does not remove §7(d). Its listed exceptions concern specified marital-information and retention provisions.","Limits and exceptions":"The definition requires the specified service/facility and government-filed or regulated charges. Financing unrelated goods or improvements is not utility-service credit merely because a utility provides it.","Source / exact pinpoint":"S007, §3(a), comments 3(a)-1–3. \nConsumer Financial Protection Bureau"},"coordinator_verification_status":"complete_exception_body_checked_application_held","coordinator_review":{"at":"2026-10-29T08:28:15.255539+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"complete_exception_body_checked_application_held","scope":"Alloperative3andcommentsread; exceptionsconditions/conjunctivequalifiersandremaininggenerallawrestrictionspreserved.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R003-P1-C013","area_numbers":[3],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"R003-P1-C013","Area / type":"A003 / Text","Precise assertion and operative conditions":"ECOA permits consideration/application of state property laws and recognizes signatures serving lien, title, inchoate-right, or earnings purposes, subject to the statutory prohibition on discriminatory creditworthiness evaluation. Regulation B preserves state property and estate laws and preempts inconsistent credit-discrimination law only to the stated extent.","Limits and exceptions":"This is not a uniform federal marital-property or recourse code. Married and unmarried applicants remain subject to equal evaluation standards except as law permits.","Source / exact pinpoint":"S003, §1691d(a), (b), (f); S009, §6(b)(8), (c); S010, §11(a), (d). \nuscode.house.gov\n+1"},"coordinator_verification_status":"original_attribution_or_unreopened_material_premise_held","coordinator_review":{"at":"2026-10-29T08:28:15.255539+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"original_attribution_or_unreopened_material_premise_held","scope":"No selected fresh body establishes every material cited premise; retain exact original issuer/version/guidance/jurisdiction limits and fresh45 failure where applicable. No contradiction established, no acceptance.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R003-P1-C014","area_numbers":[3],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"R003-P1-C014","Area / type":"A003 / Text","Precise assertion and operative conditions":"Section 1691d(c) addresses a particular case: state law prohibits separate consumer credit, each spouse voluntarily applies separately to the same creditor, and that state prohibition is preempted; its sole-responsibility proviso applies in that specified setting.","Limits and exceptions":"It must not be converted into a blanket statement that every separately named marital debt is solely one spouse’s debt under all state law.","Source / exact pinpoint":"S003, §1691d(c). \nuscode.house.gov"},"coordinator_verification_status":"original_attribution_or_unreopened_material_premise_held","coordinator_review":{"at":"2026-10-29T08:28:15.255539+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"original_attribution_or_unreopened_material_premise_held","scope":"No selected fresh body establishes every material cited premise; retain exact original issuer/version/guidance/jurisdiction limits and fresh45 failure where applicable. No contradiction established, no acceptance.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R003-P1-C015","area_numbers":[3],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"R003-P1-C015","Area / type":"A003 / Opinion + Unknown","Precise assertion and operative conditions":"The Hawkins Eighth Circuit majority held that executing a guaranty alone did not make the claimants statutory applicants; it rejected their reliance on the predecessor regulatory definition. It affirmed summary judgment on the ECOA claim/defense; state-law counterclaims had been dismissed without prejudice. The Supreme Court affirmed by equal division.","Limits and exceptions":"The Supreme Court supplied no reasoned nationwide merits resolution. The appellate opinion used the then-operative Chevron framework; no claim is made that this is today’s general review framework. Current forum-specific treatment, statutory entitlement, Article III issues, and remedy remain unverified.","Source / exact pinpoint":"S027, slip pp.3–8 / indexes 2–7; S028, p.495 / index 0. \ngovinfo.gov\n+2"},"coordinator_verification_status":"material_majority_checked_later_disposition_and_current_forum_held","coordinator_review":{"at":"2026-10-29T08:28:15.255539+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"material_majority_checked_later_disposition_and_current_forum_held","scope":"Hawkinsmajority/footnotesread; originalSCequaldivisionattributionunreopenedafterfreshfailure; noallcircuits/currentframework/citator/statutoryentitlement/remedyfinding.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R003-P1-C016","area_numbers":[3],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"R003-P1-C016","Area / type":"A003 / Text + Comment","Precise assertion and operative conditions":"For individual credit, a creditor generally must first determine that the applicant does not independently qualify before requiring another signer. If the applicant qualifies for the requested amount and terms, the creditor cannot require a spouse’s or another non-joint applicant’s signature on a credit instrument, subject to the paragraph’s exceptions.","Limits / what remains unproved":"A neutral policy requiring everyone to obtain a cosigner does not defeat this protection. The business-role guaranty exception below is material. No actual qualification is assessed here.","Source / exact pinpoint":"S008, §7(d)(1), comments 7(d)-1–2 and 7(d)(1)-1. \nConsumer Financial Protection Bureau"},"coordinator_verification_status":"complete_signature_rule_comments_checked_actual_predicates_held","coordinator_review":{"at":"2026-10-29T08:28:15.255539+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"complete_signature_rule_comments_checked_actual_predicates_held","scope":"Complete7dcommentsandselecteda/creconciled. Generalqualificationrule, contemporaneousjointintent, propertynecessity, two communityconditions, income, choiceofadditionalparty, businessroleandconditionalrenewalreleaseallseparate; noactualinstrument/statequalification/liabilityacceptance.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R003-P1-C017","area_numbers":[3],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"R003-P1-C017","Area / type":"A003 / Comment","Precise assertion and operative conditions":"A joint applicant applies contemporaneously for shared or joint credit. Someone added because the creditor demands another signature as a condition of approval is not thereby a joint applicant.","Limits / what remains unproved":"The joint-applicant exception permits obtaining the genuine applicant’s signature; it does not itself establish the scope or enforceability of a later contractual promise.","Source / exact pinpoint":"S008, comment 7(d)(1)-2. \nConsumer Financial Protection Bureau"},"coordinator_verification_status":"complete_signature_rule_comments_checked_actual_predicates_held","coordinator_review":{"at":"2026-10-29T08:28:15.255539+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"complete_signature_rule_comments_checked_actual_predicates_held","scope":"Complete7dcommentsandselecteda/creconciled. Generalqualificationrule, contemporaneousjointintent, propertynecessity, two communityconditions, income, choiceofadditionalparty, businessroleandconditionalrenewalreleaseallseparate; noactualinstrument/statequalification/liabilityacceptance.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R003-P1-C018","area_numbers":[3],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"R003-P1-C018","Area / type":"A003 / Text + Comment","Precise assertion and operative conditions":"Joint intent must be evidenced at application. Application signatures or initials affirming joint-credit intent may establish it, separately from accuracy certification. A promissory-note signature may not serve as the required proof of application-stage joint intent.","Limits / what remains unproved":"A joint financial statement, joint-asset evidence, marriage, or shared household must not silently become a joint application. A financial-statement signature certifying accuracy is insufficient.","Source / exact pinpoint":"S008, §7(d)(1), comment 7(d)(1)-3. \nConsumer Financial Protection Bureau"},"coordinator_verification_status":"complete_signature_rule_comments_checked_actual_predicates_held","coordinator_review":{"at":"2026-10-29T08:28:15.255539+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"complete_signature_rule_comments_checked_actual_predicates_held","scope":"Complete7dcommentsandselecteda/creconciled. Generalqualificationrule, contemporaneousjointintent, propertynecessity, two communityconditions, income, choiceofadditionalparty, businessroleandconditionalrenewalreleaseallseparate; noactualinstrument/statequalification/liabilityacceptance.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R003-P1-C019","area_numbers":[3],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"R003-P1-C019","Area / type":"A003 / Comment","Precise assertion and operative conditions":"For unsecured credit supported by jointly owned property, the creditor must value the applicant’s own interest. It may not condition the extension on the nonapplicant owner’s signature if that interest supports the requested amount and terms.","Limits / what remains unproved":"Joint title alone does not demonstrate a need for another signature. Actual ownership form, valuation, legal access, and the requested terms remain necessary facts.","Source / exact pinpoint":"S008, comment 7(d)(2)-1. \nConsumer Financial Protection Bureau"},"coordinator_verification_status":"complete_signature_rule_comments_checked_actual_predicates_held","coordinator_review":{"at":"2026-10-29T08:28:15.255539+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"complete_signature_rule_comments_checked_actual_predicates_held","scope":"Complete7dcommentsandselecteda/creconciled. Generalqualificationrule, contemporaneousjointintent, propertynecessity, two communityconditions, income, choiceofadditionalparty, businessroleandconditionalrenewalreleaseallseparate; noactualinstrument/statequalification/liabilityacceptance.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R003-P1-C020","area_numbers":[3],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"R003-P1-C020","Area / type":"A003 / Comment","Precise assertion and operative conditions":"Valuation may consider the existing ownership form, attachability, execution, severance or partition, resulting value, and associated costs.","Limits / what remains unproved":"The creditor cannot premise the demand on speculative later changes such as divorce or a future transfer into a different tenancy.","Source / exact pinpoint":"S008, comment 7(d)(2)-1(i). \nConsumer Financial Protection Bureau"},"coordinator_verification_status":"complete_signature_rule_comments_checked_actual_predicates_held","coordinator_review":{"at":"2026-10-29T08:28:15.255539+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"complete_signature_rule_comments_checked_actual_predicates_held","scope":"Complete7dcommentsandselecteda/creconciled. Generalqualificationrule, contemporaneousjointintent, propertynecessity, two communityconditions, income, choiceofadditionalparty, businessroleandconditionalrenewalreleaseallseparate; noactualinstrument/statequalification/liabilityacceptance.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R003-P1-C021","area_numbers":[3],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"R003-P1-C021","Area / type":"A003 / Text + Comment","Precise assertion and operative conditions":"If the applicant relies on joint property for unsecured credit and the interest is insufficient, the creditor may pursue the stated alternatives: an appropriate additional party, secured credit, or instruments necessary/reasonably believed necessary under the property-situs state’s law to reach the relied-on property upon death or default.","Limits / what remains unproved":"Property-access instruments should not impose personal liability unless state law makes that necessary. The commentary rejects routine demands for an instrument, such as a quitclaim deed, that forfeits the other owner’s interest.","Source / exact pinpoint":"S008, §7(d)(2), comment 7(d)(2)-1(ii). \nConsumer Financial Protection Bureau"},"coordinator_verification_status":"complete_signature_rule_comments_checked_actual_predicates_held","coordinator_review":{"at":"2026-10-29T08:28:15.255539+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"complete_signature_rule_comments_checked_actual_predicates_held","scope":"Complete7dcommentsandselecteda/creconciled. Generalqualificationrule, contemporaneousjointintent, propertynecessity, two communityconditions, income, choiceofadditionalparty, businessroleandconditionalrenewalreleaseallseparate; noactualinstrument/statequalification/liabilityacceptance.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R003-P1-C022","area_numbers":[3],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"R003-P1-C022","Area / type":"A003 / Comment","Precise assertion and operative conditions":"The official commentary says a creditor’s reasonable belief about necessary instruments should be supported by a thorough review of pertinent statutory and decisional law or a state attorney-general opinion.","Limits / what remains unproved":"This is not permission based solely on a creditor’s preference. It does not prescribe a particular retained memorandum or decide whether an actual legal analysis was reasonable.","Source / exact pinpoint":"S008, comments 7(d)(2)-2 and 7(d)(4)-2. \nConsumer Financial Protection Bureau\n+1"},"coordinator_verification_status":"complete_signature_rule_comments_checked_actual_predicates_held","coordinator_review":{"at":"2026-10-29T08:28:15.255539+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"complete_signature_rule_comments_checked_actual_predicates_held","scope":"Complete7dcommentsandselecteda/creconciled. Generalqualificationrule, contemporaneousjointintent, propertynecessity, two communityconditions, income, choiceofadditionalparty, businessroleandconditionalrenewalreleaseallseparate; noactualinstrument/statequalification/liabilityacceptance.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R003-P1-C023","area_numbers":[3],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"R003-P1-C023","Area / type":"A003 / Text + Comment","Precise assertion and operative conditions":"The unsecured community-property branch requires a married applicant who resides in a community-property state or relies on property there; a necessary/reasonably necessary state-law instrument; both inadequate management/control of sufficient community property under state law and insufficient separate property to qualify without community property.","Limits / what remains unproved":"Marriage or a community-property-state connection alone is insufficient. The residency comment allows a residence assumption unless the applicant indicates otherwise; it does not supply missing property-control law.","Source / exact pinpoint":"S008, §7(d)(3)(i)–(ii), comment 7(d)(3)-1. \nConsumer Financial Protection Bureau"},"coordinator_verification_status":"complete_signature_rule_comments_checked_actual_predicates_held","coordinator_review":{"at":"2026-10-29T08:28:15.255539+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"complete_signature_rule_comments_checked_actual_predicates_held","scope":"Complete7dcommentsandselecteda/creconciled. Generalqualificationrule, contemporaneousjointintent, propertynecessity, two communityconditions, income, choiceofadditionalparty, businessroleandconditionalrenewalreleaseallseparate; noactualinstrument/statequalification/liabilityacceptance.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R003-P1-C024","area_numbers":[3],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"R003-P1-C024","Area / type":"A003 / Text","Precise assertion and operative conditions":"For secured credit, a creditor may require spouse/other signatures on instruments necessary or reasonably believed necessary under applicable state law to make the offered security available on default—for example, to create a lien, pass title, waive inchoate rights, or assign earnings.","Limits / what remains unproved":"Permission is tied to the legal collateral purpose. It is not a general permission to make every owner a personal guarantor.","Source / exact pinpoint":"S008, §7(d)(4); S003, §1691d(a). \nConsumer Financial Protection Bureau\n+1"},"coordinator_verification_status":"complete_signature_rule_comments_checked_actual_predicates_held","coordinator_review":{"at":"2026-10-29T08:28:15.255539+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"complete_signature_rule_comments_checked_actual_predicates_held","scope":"Complete7dcommentsandselecteda/creconciled. Generalqualificationrule, contemporaneousjointintent, propertynecessity, two communityconditions, income, choiceofadditionalparty, businessroleandconditionalrenewalreleaseallseparate; noactualinstrument/statequalification/liabilityacceptance.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R003-P1-C025","area_numbers":[3],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"R003-P1-C025","Area / type":"A003 / Comment","Precise assertion and operative conditions":"If a mortgage or security agreement alone makes the property available, the creditor may not require the spouse to sign the note. If state law actually requires both spouses’ note signatures for an enforceable lien, the commentary permits them.","Limits / what remains unproved":"The relevant state rule must be identified; an assumption that every mortgage requires personal repayment liability is inadequate.","Source / exact pinpoint":"S008, comments 7(d)(4)-1–2. \nConsumer Financial Protection Bureau"},"coordinator_verification_status":"complete_signature_rule_comments_checked_actual_predicates_held","coordinator_review":{"at":"2026-10-29T08:28:15.255539+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"complete_signature_rule_comments_checked_actual_predicates_held","scope":"Complete7dcommentsandselecteda/creconciled. Generalqualificationrule, contemporaneousjointintent, propertynecessity, two communityconditions, income, choiceofadditionalparty, businessroleandconditionalrenewalreleaseallseparate; noactualinstrument/statequalification/liabilityacceptance.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R003-P1-C026","area_numbers":[3],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"R003-P1-C026","Area / type":"A003 / Comment","Precise assertion and operative conditions":"A combined note/security instrument cannot be required where only a security-interest signature is needed unless the instrument clearly limits the spouse’s signature to granting security and excludes personal liability; a nearby legend is an example.","Limits / what remains unproved":"The commentary does not mandate one magic phrase. Actual instrument language, capacity, and applicable law still control what was signed.","Source / exact pinpoint":"S008, comment 7(d)(4)-3. \nConsumer Financial Protection Bureau"},"coordinator_verification_status":"complete_signature_rule_comments_checked_actual_predicates_held","coordinator_review":{"at":"2026-10-29T08:28:15.255539+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"complete_signature_rule_comments_checked_actual_predicates_held","scope":"Complete7dcommentsandselecteda/creconciled. Generalqualificationrule, contemporaneousjointintent, propertynecessity, two communityconditions, income, choiceofadditionalparty, businessroleandconditionalrenewalreleaseallseparate; noactualinstrument/statequalification/liabilityacceptance.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R003-P1-C027","area_numbers":[3],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"R003-P1-C027","Area / type":"A003 / Text","Precise assertion and operative conditions":"When an additional party’s personal liability is necessary under the creditor’s standards to support the requested credit, the creditor may request a cosigner, guarantor, endorser, or similar party.","Limits / what remains unproved":"The spouse may serve, but the creditor cannot insist that the spouse be the additional party merely because a supporting obligor is needed.","Source / exact pinpoint":"S008, §7(d)(5). \nConsumer Financial Protection Bureau"},"coordinator_verification_status":"complete_signature_rule_comments_checked_actual_predicates_held","coordinator_review":{"at":"2026-10-29T08:28:15.255539+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"complete_signature_rule_comments_checked_actual_predicates_held","scope":"Complete7dcommentsandselecteda/creconciled. Generalqualificationrule, contemporaneousjointintent, propertynecessity, two communityconditions, income, choiceofadditionalparty, businessroleandconditionalrenewalreleaseallseparate; noactualinstrument/statequalification/liabilityacceptance.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R003-P1-C028","area_numbers":[3],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"R003-P1-C028","Area / type":"A003 / Comment","Precise assertion and operative conditions":"A creditor may impose eligibility conditions on additional parties, such as residence in its market area.","Limits / what remains unproved":"Such conditions cannot discriminate on sex, marital status, or another prohibited basis. They cannot be used to disguise an otherwise prohibited spouse-only requirement.","Source / exact pinpoint":"S008, comment 7(d)(5)-1. \nConsumer Financial Protection Bureau"},"coordinator_verification_status":"complete_signature_rule_comments_checked_actual_predicates_held","coordinator_review":{"at":"2026-10-29T08:28:15.255539+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"complete_signature_rule_comments_checked_actual_predicates_held","scope":"Complete7dcommentsandselecteda/creconciled. Generalqualificationrule, contemporaneousjointintent, propertynecessity, two communityconditions, income, choiceofadditionalparty, businessroleandconditionalrenewalreleaseallseparate; noactualinstrument/statequalification/liabilityacceptance.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R003-P1-C029","area_numbers":[3],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"R003-P1-C029","Area / type":"A003 / Comment","Precise assertion and operative conditions":"An individual applicant actually relying on another person’s income may be required to obtain that person’s signature to make the income available. This includes a spouse’s income outside community-property treatment and a spouse’s separate income in a community-property state.","Limits / what remains unproved":"The commentary separately permits, but does not require, a spouse’s signature where future earnings are not community property until earned—even if the creditor normally requires a nonspouse income-provider’s signature. Actual income reliance and state characterization are essential.","Source / exact pinpoint":"S008, comment 7(d)(5)-2; S009, §6(c). \nConsumer Financial Protection Bureau"},"coordinator_verification_status":"complete_signature_rule_comments_checked_actual_predicates_held","coordinator_review":{"at":"2026-10-29T08:28:15.255539+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"complete_signature_rule_comments_checked_actual_predicates_held","scope":"Complete7dcommentsandselecteda/creconciled. Generalqualificationrule, contemporaneousjointintent, propertynecessity, two communityconditions, income, choiceofadditionalparty, businessroleandconditionalrenewalreleaseallseparate; noactualinstrument/statequalification/liabilityacceptance.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R003-P1-C030","area_numbers":[3],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"R003-P1-C030","Area / type":"A003 / Comment","Precise assertion and operative conditions":"A creditor may require personal guarantees from business partners, directors, officers, and shareholders of closely held corporations even if the business itself is creditworthy, when based on that business relationship.","Limits / what remains unproved":"The requirement cannot depend on a prohibited basis—for example, only married officers or only businesses associated with a protected group. This is not a universal exemption for all business-related additional signers.","Source / exact pinpoint":"S008, comment 7(d)(6)-1. \nConsumer Financial Protection Bureau"},"coordinator_verification_status":"complete_signature_rule_comments_checked_actual_predicates_held","coordinator_review":{"at":"2026-10-29T08:28:15.255539+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"complete_signature_rule_comments_checked_actual_predicates_held","scope":"Complete7dcommentsandselecteda/creconciled. Generalqualificationrule, contemporaneousjointintent, propertynecessity, two communityconditions, income, choiceofadditionalparty, businessroleandconditionalrenewalreleaseallseparate; noactualinstrument/statequalification/liabilityacceptance.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R003-P1-C031","area_numbers":[3],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"R003-P1-C031","Area / type":"A003 / Text + Comment","Precise assertion and operative conditions":"Additional parties receive the relevant signature protections. A creditor cannot automatically demand a guarantor’s spouse’s signature.","Limits / what remains unproved":"The commentary allows a further signature in appropriate financial circumstances under §7(d)(2); that incorporates the property-access conditions, not unlimited permission for a spouse’s personal guaranty.","Source / exact pinpoint":"S008, §7(d)(6), comment 7(d)(6)-2. \nConsumer Financial Protection Bureau"},"coordinator_verification_status":"complete_signature_rule_comments_checked_actual_predicates_held","coordinator_review":{"at":"2026-10-29T08:28:15.255539+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"complete_signature_rule_comments_checked_actual_predicates_held","scope":"Complete7dcommentsandselecteda/creconciled. Generalqualificationrule, contemporaneousjointintent, propertynecessity, two communityconditions, income, choiceofadditionalparty, businessroleandconditionalrenewalreleaseallseparate; noactualinstrument/statequalification/liabilityacceptance.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R003-P1-C032","area_numbers":[3],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"R003-P1-C032","Area / type":"A003 / Comment","Precise assertion and operative conditions":"If creditworthiness is reevaluated when an obligation is renewed, the creditor must determine whether an additional party remains warranted and release that party if not warranted.","Limits / what remains unproved":"This is a conditional federal release duty. It is not automatic expiration at every renewal, nor does business creditworthiness alone eliminate a permissible business-role guaranty. Effect on prior obligations and release mechanics remains a contract/state-law issue.","Source / exact pinpoint":"S008, comment 7(d)(5)-3, read with comment 7(d)(6)-1. \nConsumer Financial Protection Bureau"},"coordinator_verification_status":"complete_signature_rule_comments_checked_actual_predicates_held","coordinator_review":{"at":"2026-10-29T08:28:15.255539+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"complete_signature_rule_comments_checked_actual_predicates_held","scope":"Complete7dcommentsandselecteda/creconciled. Generalqualificationrule, contemporaneousjointintent, propertynecessity, two communityconditions, income, choiceofadditionalparty, businessroleandconditionalrenewalreleaseallseparate; noactualinstrument/statequalification/liabilityacceptance.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R003-P1-C033","area_numbers":[3],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"R003-P1-C033","Area / type":"A003 / Text + Comment","Precise assertion and operative conditions":"For an existing open-end account, specified adverse changes cannot be triggered merely by age, retirement, name, or marital-status change absent evidence of inability/unwillingness to repay. Reapplication based on marital change requires the stated spouse-income reliance and income-insufficiency information; the comment also addresses loss of another supporting person.","Limits / what remains unproved":"During permitted reapplication, existing contractual access continues. Joint-account closure requests or repudiation of responsibility for future charges are separately addressed. No inference of release from existing debt follows merely from closing an account.","Source / exact pinpoint":"S008, §7(c)(1)–(2), comments 7(c)(1)-1–2 and 7(c)(2)-1. \nConsumer Financial Protection Bureau"},"coordinator_verification_status":"complete_signature_rule_comments_checked_actual_predicates_held","coordinator_review":{"at":"2026-10-29T08:28:15.255539+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"complete_signature_rule_comments_checked_actual_predicates_held","scope":"Complete7dcommentsandselecteda/creconciled. Generalqualificationrule, contemporaneousjointintent, propertynecessity, two communityconditions, income, choiceofadditionalparty, businessroleandconditionalrenewalreleaseallseparate; noactualinstrument/statequalification/liabilityacceptance.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R003-P1-C034","area_numbers":[3],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"R003-P1-C034","Area / type":"A003 / Comment + Synthesis","Precise assertion and operative conditions":"A creditor may condition authorized-user designation on that user becoming contractually liable, without prohibited discrimination. For an overdraft line attached to a transaction account, it may require all persons authorized to draw to assume overdraft liability.","Limits / what remains unproved":"Permission to require an agreement is different from proof that an agreement exists. Mere account access or authorized-user status does not prove the express undertaking.","Source / exact pinpoint":"S008, comments 7(a)-1–3; S006, §2(i). \nConsumer Financial Protection Bureau\n+1"},"coordinator_verification_status":"complete_signature_rule_comments_checked_actual_predicates_held","coordinator_review":{"at":"2026-10-29T08:28:15.255539+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"complete_signature_rule_comments_checked_actual_predicates_held","scope":"Complete7dcommentsandselecteda/creconciled. Generalqualificationrule, contemporaneousjointintent, propertynecessity, two communityconditions, income, choiceofadditionalparty, businessroleandconditionalrenewalreleaseallseparate; noactualinstrument/statequalification/liabilityacceptance.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R003-P1-C035","area_numbers":[3],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"R003-P1-C035","Area / type":"A003 / Text","Precise assertion and operative conditions":"Section 8(d) permits specified marital/support-income/spouse-resource inquiries where financial need is a special-purpose-program criterion. Its separate signature sentence permits obtaining a spouse’s or another person’s signature on a program application or credit instrument if Federal or state law requires it.","Limits / what remains unproved":"A program label or creditor preference does not satisfy the signature condition. Section 8(c)’s information permission is not a free-standing authorization to demand any spouse’s guaranty.","Source / exact pinpoint":"S011, §8(c)–(d). \nConsumer Financial Protection Bureau"},"coordinator_verification_status":"complete_current_special_program_body_checked_application_held","coordinator_review":{"at":"2026-10-29T08:28:15.255539+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"complete_current_special_program_body_checked_application_held","scope":"Complete8comments/operativeconditionsread;signaturemustberequiredbylaw, programqualificationand2026conditionsnotassumedactual;laterjudicial/orderhistoryheld.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R003-P1-C036","area_numbers":[3],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"R003-P1-C036","Area / type":"A003 / Text + Comment","Precise assertion and operative conditions":"The special-program branch requires a qualifying §8(a) program: legally authorized assistance for an economically disadvantaged class; qualifying nonprofit assistance; or a qualifying for-profit program meeting the written-plan and need conditions. Current for-profit rules require the plan’s specified class, procedures, evidence, and explanation of otherwise-unavailable credit; additional conditions govern otherwise-prohibited common characteristics.","Limits / what remains unproved":"Current §8(b)(3) bars race, color, national origin, and sex as for-profit-program eligibility characteristics; §8(b)(4) requires participant-specific evidence for other otherwise-prohibited characteristics. Anti-evasion and other Regulation B provisions remain applicable. No actual program is evaluated.","Source / exact pinpoint":"S011, §8(a)(1)–(3), (b)(1)–(4), comments 8(a)-1–6 and 8(b)-1–2. \nConsumer Financial Protection Bureau"},"coordinator_verification_status":"complete_current_special_program_body_checked_application_held","coordinator_review":{"at":"2026-10-29T08:28:15.255539+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"complete_current_special_program_body_checked_application_held","scope":"Complete8comments/operativeconditionsread;signaturemustberequiredbylaw, programqualificationand2026conditionsnotassumedactual;laterjudicial/orderhistoryheld.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R003-P1-C037","area_numbers":[3],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"R003-P1-C037","Area / type":"A003 / Text + Currentness","Precise assertion and operative conditions":"The 2026 final rule states that special-program credit extended on or after July 21, 2026 must comply with its new requirements; prior extensions must comply with the applicable earlier program rules described in its effective-date discussion.","Limits / what remains unproved":"A preexisting program is not thereby authorized to make all future extensions indefinitely under old rules. This pass does not certify absence of later judicial orders.","Source / exact pinpoint":"S012, printed pp.21620, 21658–21659 / indexes 0, 38–39. \ngovinfo.gov\n+1"},"coordinator_verification_status":"selected_effective_prospective_text_checked_version_held","coordinator_review":{"at":"2026-10-29T08:28:15.255539+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"selected_effective_prospective_text_checked_version_held","scope":"StatedeffectiveJuly21,2026andextensionson/afterversusbeforeconfirmed;notwholefinalrule/laterordersoractualprogramdateacceptance.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R003-P1-C038","area_numbers":[3],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"R003-P1-C038","Area / type":"A003 / Text + Synthesis","Precise assertion and operative conditions":"Appendix B models are optional. Appropriate use/modification yields the specified compliance treatment for §1002.5(b)–(d) inquiries.","Limits / what remains unproved":"That limited effect is not a general contract-formation, guaranty-enforceability, joint-intent, or liability safe harbor.","Source / exact pinpoint":"S013, introductory paragraphs 1–3; S008, comment 7(d)(1)-3. \nConsumer Financial Protection Bureau"},"coordinator_verification_status":"signature_intent_limit_checked_optional_model_premise_unreopened","coordinator_review":{"at":"2026-10-29T08:28:15.255539+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"signature_intent_limit_checked_optional_model_premise_unreopened","scope":"7dintentlimitationschecked;AppendixBintrooptionalmodels/limitedinquirysafeharborandunseenmodelpixelsremainoriginalattribution,notfreshmodel/body/fieldverification.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R003-P1-C039","area_numbers":[3],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"R003-P1-C039","Area / type":"A003 / Text","Precise assertion and operative conditions":"Part 444’s creditor is a covered lender or retail installment seller: lending money to consumers, or selling goods/services on deferred-payment or lease-purchase terms, within FTC jurisdiction. Consumer means a natural person seeking/acquiring goods, services, or money for personal, family, or household use. Section 444.3 concerns consumer credit in or affecting commerce.","Limits / exceptions":"Its broad definition of debt—money due or alleged due—does not erase these actor, purpose, obligation, and commerce conditions. Business credit is not brought within this consumer rule merely by adding a natural-person guarantor.","Source / exact pinpoint":"S015, §444.1(a)–(g), §444.3(a). \necfr.gov"},"coordinator_verification_status":"complete_FTC444_operative_checked_guidance_and_application_held","coordinator_review":{"at":"2026-10-29T08:28:15.255539+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"complete_FTC444_operative_checked_guidance_and_application_held","scope":"Wholeoperative444supportsdefinedcosigner/notice/timing/fourparagraphs/limitedabsence/exemptions. Additionalstaffguidance,statecollectionsequence,delivery/contract/remedyfactsremainunreopened/held; noticeitselfnotpromiseorautomaticrelease.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R003-P1-C040","area_numbers":[3],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"R003-P1-C040","Area / type":"A003 / Text","Precise assertion and operative conditions":"FTC Act §45(a)(2) excludes banks, savings-and-loan institutions, and federal credit unions as statutorily defined, along with other enumerated categories, from the FTC’s stated enforcement jurisdiction.","Limits / exceptions":"“Credit union” is not synonymous with “federal credit union.” Nor does “nonbank” alone establish coverage. Section 44’s organizational definition and §57a(f)’s institution definitions matter; no actual status was investigated.","Source / exact pinpoint":"S018, §§44, 45(a)(2), 57a(f)(2)–(4); S015, §444.1(a)–(b). \nuscode.house.gov\n+2"},"coordinator_verification_status":"original_attribution_or_unreopened_material_premise_held","coordinator_review":{"at":"2026-10-29T08:28:15.255539+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"original_attribution_or_unreopened_material_premise_held","scope":"No selected fresh body establishes every material cited premise; retain exact original issuer/version/guidance/jurisdiction limits and fresh45 failure where applicable. No contradiction established, no acceptance.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R003-P1-C041","area_numbers":[3],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"R003-P1-C041","Area / type":"A003 / Guidance","Precise assertion and operative conditions":"Published FTC materials describe the rule as excluding real-estate purchases, while covering qualifying consumer loans secured by already-owned real estate.","Limits / exceptions":"This is the FTC’s published scope explanation, not an express real-estate-purchase phrase in §444.1. Do not convert it into an exclusion of every real-estate-secured loan or every mortgage-related transaction.","Source / exact pinpoint":"S016, “What Transactions Are Covered”; S017, “What Are My Obligations…”. \nFederal Trade Commission\n+1"},"coordinator_verification_status":"original_attribution_or_unreopened_material_premise_held","coordinator_review":{"at":"2026-10-29T08:28:15.255539+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"original_attribution_or_unreopened_material_premise_held","scope":"No selected fresh body establishes every material cited premise; retain exact original issuer/version/guidance/jurisdiction limits and fresh45 failure where applicable. No contradiction established, no acceptance.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R003-P1-C042","area_numbers":[3],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"R003-P1-C042","Area / type":"A003 / Text","Precise assertion and operative conditions":"A cosigner under §444.1(k) is a natural person who becomes liable for another’s obligation without compensation. The definition expressly includes a signature demanded to extend credit to another or to forbear collection of another’s defaulted obligation.","Limits / exceptions":"The rule is not confined to new-money originations. The underlying consumer-credit and actor requirements still apply.","Source / exact pinpoint":"S015, §444.1(k). \necfr.gov"},"coordinator_verification_status":"complete_FTC444_operative_checked_guidance_and_application_held","coordinator_review":{"at":"2026-10-29T08:28:15.255539+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"complete_FTC444_operative_checked_guidance_and_application_held","scope":"Wholeoperative444supportsdefinedcosigner/notice/timing/fourparagraphs/limitedabsence/exemptions. Additionalstaffguidance,statecollectionsequence,delivery/contract/remedyfactsremainunreopened/held; noticeitselfnotpromiseorautomaticrelease.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R003-P1-C043","area_numbers":[3],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"R003-P1-C043","Area / type":"A003 / Text + Guidance","Precise assertion and operative conditions":"Someone receiving no goods, services, or money in return for the credit obligation receives no compensation for this definition; labels do not control. FTC guidance distinguishes a genuine co-buyer sharing purchased goods or co-borrower sharing proceeds from a supporting cosigner.","Limits / exceptions":"A “co-borrower” caption cannot dispose of contrary facts. Conversely, a primary purchaser is not made a covered cosigner merely because another person also signs. Shared household membership alone does not establish the actual benefit or contractual role.","Source / exact pinpoint":"S015, §444.1(k); S016, “Notice to Cosigners,” final paragraphs. \necfr.gov\n+1"},"coordinator_verification_status":"complete_FTC444_operative_checked_guidance_and_application_held","coordinator_review":{"at":"2026-10-29T08:28:15.255539+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"complete_FTC444_operative_checked_guidance_and_application_held","scope":"Wholeoperative444supportsdefinedcosigner/notice/timing/fourparagraphs/limitedabsence/exemptions. Additionalstaffguidance,statecollectionsequence,delivery/contract/remedyfactsremainunreopened/held; noticeitselfnotpromiseorautomaticrelease.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R003-P1-C044","area_numbers":[3],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"R003-P1-C044","Area / type":"A003 / Text + Guidance","Precise assertion and operative conditions":"The rule expressly excludes a spouse whose signature is required to perfect a state-law security interest. FTC guidance also says no notice is needed for a security-agreement signer who has no personal liability.","Limits / exceptions":"A document that also imposes a personal undertaking requires analysis of its actual terms; “property owner” is not a universal cosigner exemption.","Source / exact pinpoint":"S015, §444.1(k); S016, “Notice to Cosigners.” \necfr.gov\n+1"},"coordinator_verification_status":"complete_FTC444_operative_checked_guidance_and_application_held","coordinator_review":{"at":"2026-10-29T08:28:15.255539+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"complete_FTC444_operative_checked_guidance_and_application_held","scope":"Wholeoperative444supportsdefinedcosigner/notice/timing/fourparagraphs/limitedabsence/exemptions. Additionalstaffguidance,statecollectionsequence,delivery/contract/remedyfactsremainunreopened/held; noticeitselfnotpromiseorautomaticrelease.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R003-P1-C045","area_numbers":[3],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"R003-P1-C045","Area / type":"A003 / Text","Precise assertion and operative conditions":"Section 444.3(a)(1) prohibits direct or indirect misrepresentation of the nature or extent of cosigner liability to any person. Section 444.3(b) states that compliance with paragraph (c)’s preventive requirements does not violate paragraph (a).","Limits / exceptions":"Paragraph (b)’s statement concerns the specified paragraph (a); it is not a universal contractual-enforceability or all-laws immunity provision.","Source / exact pinpoint":"S015, §444.3(a)(1), (b). \necfr.gov"},"coordinator_verification_status":"complete_FTC444_operative_checked_guidance_and_application_held","coordinator_review":{"at":"2026-10-29T08:28:15.255539+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"complete_FTC444_operative_checked_guidance_and_application_held","scope":"Wholeoperative444supportsdefinedcosigner/notice/timing/fourparagraphs/limitedabsence/exemptions. Additionalstaffguidance,statecollectionsequence,delivery/contract/remedyfactsremainunreopened/held; noticeitselfnotpromiseorautomaticrelease.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R003-P1-C046","area_numbers":[3],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"R003-P1-C046","Area / type":"A003 / Text","Precise assertion and operative conditions":"The creditor must inform the cosigner before obligation and give the prescribed disclosure before that event. For open-end credit, the specified event is execution of the agreement creating liability for future charges.","Limits / exceptions":"Delivery after obligation does not satisfy the express prior-delivery condition. No fixed number of advance days is stated here.","Source / exact pinpoint":"S015, §444.3(a)(2), (c). \necfr.gov"},"coordinator_verification_status":"complete_FTC444_operative_checked_guidance_and_application_held","coordinator_review":{"at":"2026-10-29T08:28:15.255539+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"complete_FTC444_operative_checked_guidance_and_application_held","scope":"Wholeoperative444supportsdefinedcosigner/notice/timing/fourparagraphs/limitedabsence/exemptions. Additionalstaffguidance,statecollectionsequence,delivery/contract/remedyfactsremainunreopened/held; noticeitselfnotpromiseorautomaticrelease.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R003-P1-C047","area_numbers":[3],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"R003-P1-C047","Area / type":"A003 / Text","Precise assertion and operative conditions":"The regulatory disclosure is a separate document containing the prescribed statement, without other statements under the literal rule.","Limits / exceptions":"Section 444.3 does not specify a numerical font size. Staff explanations concerning permitted administrative additions and packet placement are separately classified below.","Source / exact pinpoint":"S015, §444.3(c). \necfr.gov"},"coordinator_verification_status":"complete_FTC444_operative_checked_guidance_and_application_held","coordinator_review":{"at":"2026-10-29T08:28:15.255539+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"complete_FTC444_operative_checked_guidance_and_application_held","scope":"Wholeoperative444supportsdefinedcosigner/notice/timing/fourparagraphs/limitedabsence/exemptions. Additionalstaffguidance,statecollectionsequence,delivery/contract/remedyfactsremainunreopened/held; noticeitselfnotpromiseorautomaticrelease.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R003-P1-C048","area_numbers":[3],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"R003-P1-C048","Area / type":"A003 / Text — notice element 1","Precise assertion and operative conditions":"Under the heading Notice to Cosigner, the opening paragraph says the recipient is being asked to guarantee the debt, should consider that choice carefully, will have to pay if the borrower does not, and should assess both ability and willingness to accept that responsibility.","Limits / exceptions":"This is the complete opening warning in paraphrase, not a finding that an enforceable guaranty has already been formed.","Source / exact pinpoint":"S015, §444.3(c), heading and first notice paragraph. \necfr.gov"},"coordinator_verification_status":"complete_FTC444_operative_checked_guidance_and_application_held","coordinator_review":{"at":"2026-10-29T08:28:15.255539+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"complete_FTC444_operative_checked_guidance_and_application_held","scope":"Wholeoperative444supportsdefinedcosigner/notice/timing/fourparagraphs/limitedabsence/exemptions. Additionalstaffguidance,statecollectionsequence,delivery/contract/remedyfactsremainunreopened/held; noticeitselfnotpromiseorautomaticrelease.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R003-P1-C049","area_numbers":[3],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"R003-P1-C049","Area / type":"A003 / Text — notice element 2","Precise assertion and operative conditions":"The second paragraph warns of possible responsibility for up to the entire debt if the borrower fails to pay, and possible late fees or collection costs increasing the amount.","Limits / exceptions":"It supplies no calculation of an actual balance, permissible charge, or award.","Source / exact pinpoint":"S015, §444.3(c), second notice paragraph. \necfr.gov"},"coordinator_verification_status":"complete_FTC444_operative_checked_guidance_and_application_held","coordinator_review":{"at":"2026-10-29T08:28:15.255539+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"complete_FTC444_operative_checked_guidance_and_application_held","scope":"Wholeoperative444supportsdefinedcosigner/notice/timing/fourparagraphs/limitedabsence/exemptions. Additionalstaffguidance,statecollectionsequence,delivery/contract/remedyfactsremainunreopened/held; noticeitselfnotpromiseorautomaticrelease.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R003-P1-C050","area_numbers":[3],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"R003-P1-C050","Area / type":"A003 / Text — notice element 3","Precise assertion and operative conditions":"The third paragraph warns that the creditor can seek payment from the cosigner without first trying the borrower; can use the same collection methods, including suit or wage garnishment; and that default may enter the cosigner’s credit record.","Limits / exceptions":"This warning is not an independent grant of collection powers or an override of state collection-sequence protections, contract terms, exemptions, or required judicial procedures.","Source / exact pinpoint":"S015, §444.3(c), third notice paragraph; S017, state-law qualification immediately following the notice. \necfr.gov\n+1"},"coordinator_verification_status":"complete_FTC444_operative_checked_guidance_and_application_held","coordinator_review":{"at":"2026-10-29T08:28:15.255539+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"complete_FTC444_operative_checked_guidance_and_application_held","scope":"Wholeoperative444supportsdefinedcosigner/notice/timing/fourparagraphs/limitedabsence/exemptions. Additionalstaffguidance,statecollectionsequence,delivery/contract/remedyfactsremainunreopened/held; noticeitselfnotpromiseorautomaticrelease.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R003-P1-C051","area_numbers":[3],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"R003-P1-C051","Area / type":"A003 / Text — notice element 4","Precise assertion and operative conditions":"The final paragraph states: “This notice is not the contract that makes you liable for the debt.”","Limits / exceptions":"Notice receipt, including an acknowledgment, must not be substituted for the actual liability-creating instrument.","Source / exact pinpoint":"S015, §444.3(c), final notice paragraph. \necfr.gov"},"coordinator_verification_status":"complete_FTC444_operative_checked_guidance_and_application_held","coordinator_review":{"at":"2026-10-29T08:28:15.255539+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"complete_FTC444_operative_checked_guidance_and_application_held","scope":"Wholeoperative444supportsdefinedcosigner/notice/timing/fourparagraphs/limitedabsence/exemptions. Additionalstaffguidance,statecollectionsequence,delivery/contract/remedyfactsremainunreopened/held; noticeitselfnotpromiseorautomaticrelease.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R003-P1-C052","area_numbers":[3],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"R003-P1-C052","Area / type":"A003 / Guidance","Precise assertion and operative conditions":"FTC staff permits letterhead, identifying details, an optional receipt-signature line, consistent state notices, and omission of a statement inaccurate under state law. It forbids distracting additions and permits attachment only when the notice comes first in the packet. Its guidance says revolving-account notice is given once at opening; FTC advice says it should match the agreement’s language.","Limits / exceptions":"These are published implementation explanations; they do not amend the literal regulation or establish a general notice-expiration/cancellation rule. No identifying details were entered here.","Source / exact pinpoint":"S016, “Notice to Cosigners”; S017, language paragraph. \nFederal Trade Commission\n+1"},"coordinator_verification_status":"original_attribution_or_unreopened_material_premise_held","coordinator_review":{"at":"2026-10-29T08:28:15.255539+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"original_attribution_or_unreopened_material_premise_held","scope":"No selected fresh body establishes every material cited premise; retain exact original issuer/version/guidance/jurisdiction limits and fresh45 failure where applicable. No contradiction established, no acceptance.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R003-P1-C053","area_numbers":[3],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"R003-P1-C053","Area / type":"A003 / Text + Synthesis","Precise assertion and operative conditions":"Part 444 does not itself prescribe a signed acknowledgment, fixed notice-retention period, or periodic notice-expiration interval. An acknowledgment may evidence receipt, but its presence does not establish every delivery condition.","Limits / exceptions":"Absence of a document from a reviewed set is not automatically proof of nondelivery. Other retention, disclosure-copy, electronic-delivery, or evidentiary laws are not negated by this limited reading.","Source / exact pinpoint":"S015, complete §§444.1–.5; S016, optional acknowledgment/file-copy explanation. \necfr.gov\n+1"},"coordinator_verification_status":"complete_FTC444_operative_checked_guidance_and_application_held","coordinator_review":{"at":"2026-10-29T08:28:15.255539+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"complete_FTC444_operative_checked_guidance_and_application_held","scope":"Wholeoperative444supportsdefinedcosigner/notice/timing/fourparagraphs/limitedabsence/exemptions. Additionalstaffguidance,statecollectionsequence,delivery/contract/remedyfactsremainunreopened/held; noticeitselfnotpromiseorautomaticrelease.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R003-P1-C054","area_numbers":[3],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"R003-P1-C054","Area / type":"A003 / Guidance","Precise assertion and operative conditions":"FTC consumer advice recommends obtaining relevant papers and arranging statements/default alerts.","Limits / exceptions":"That advice is not a universal affirmative duty under part 444 to deliver every loan paper or later account statement. Product-specific and state-law rights remain outside this finding.","Source / exact pinpoint":"S017, “If I Cosign a Loan, What Can I Do To Protect Myself?” \nConsumer Advice"},"coordinator_verification_status":"original_attribution_or_unreopened_material_premise_held","coordinator_review":{"at":"2026-10-29T08:28:15.255539+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"original_attribution_or_unreopened_material_premise_held","scope":"No selected fresh body establishes every material cited premise; retain exact original issuer/version/guidance/jurisdiction limits and fresh45 failure where applicable. No contradiction established, no acceptance.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R003-P1-C055","area_numbers":[3],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"R003-P1-C055","Area / type":"A003 / Text","Precise assertion and operative conditions":"Under §444.5, an appropriate state agency must apply, and the FTC must determine that an effective state requirement affords substantially equivalent or greater protection. The federal provision then ceases to operate only to the extent specified and while effective state administration/enforcement continues.","Limits / exceptions":"Stronger state law alone is not an automatic exemption. Specific currently operative exemption determinations were not verified in this pass.","Source / exact pinpoint":"S015, §444.5(a)(1)–(2) and concluding condition. \necfr.gov"},"coordinator_verification_status":"complete_FTC444_operative_checked_guidance_and_application_held","coordinator_review":{"at":"2026-10-29T08:28:15.255539+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"complete_FTC444_operative_checked_guidance_and_application_held","scope":"Wholeoperative444supportsdefinedcosigner/notice/timing/fourparagraphs/limitedabsence/exemptions. Additionalstaffguidance,statecollectionsequence,delivery/contract/remedyfactsremainunreopened/held; noticeitselfnotpromiseorautomaticrelease.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R003-P1-C056","area_numbers":[3],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"R003-P1-C056","Area / type":"A003 / Text","Precise assertion and operative conditions":"FTC Act §57a(g) separately permits petitions for person/class exemptions and specifies the Commission’s finding and procedural requirements.","Limits / exceptions":"Petition or review pendency does not itself stay the rule. No exemption is inferred merely from a request or from a failed source retrieval.","Source / exact pinpoint":"S018, §57a(g)(1)–(3). \nuscode.house.gov"},"coordinator_verification_status":"original_attribution_or_unreopened_material_premise_held","coordinator_review":{"at":"2026-10-29T08:28:15.255539+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"original_attribution_or_unreopened_material_premise_held","scope":"No selected fresh body establishes every material cited premise; retain exact original issuer/version/guidance/jurisdiction limits and fresh45 failure where applicable. No contradiction established, no acceptance.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R003-P1-C057","area_numbers":[3],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"R003-P1-C057","Area / type":"A003 / Text + Synthesis","Precise assertion and operative conditions":"A missing or late required notice raises a compliance issue under §444.3. The read provisions do not establish automatic debt cancellation, release, a notice-based rescission period, uniform unenforceability, or a private cause of action.","Limits / exceptions":"An actual remedy requires the applicable enforcement/remedies authority, forum, contract, state law, and facts. The FTC booklet dates the rule’s operation to March 1, 1985; that historical trigger is distinct from this report’s access date.","Source / exact pinpoint":"S015, §444.3; S016, introduction and effective-date discussion. \necfr.gov\n+1"},"coordinator_verification_status":"complete_FTC444_operative_checked_guidance_and_application_held","coordinator_review":{"at":"2026-10-29T08:28:15.255539+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"complete_FTC444_operative_checked_guidance_and_application_held","scope":"Wholeoperative444supportsdefinedcosigner/notice/timing/fourparagraphs/limitedabsence/exemptions. Additionalstaffguidance,statecollectionsequence,delivery/contract/remedyfactsremainunreopened/held; noticeitselfnotpromiseorautomaticrelease.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R003-P1-C058","area_numbers":[3],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"R003-P1-C058","Area / type":"A003 / Text + Final-rule history","Precise assertion and operative conditions":"Dodd-Frank repealed the former institution-specific FTC Act rulemaking authority. The Federal Reserve’s final rule formally removed former Regulation AA, 12 C.F.R. part 227, effective March 21, 2016. It explains that the statutory repeal nullified the relevant provisions and that Regulation AA did not transfer to CFPB under the FTC Act.","Status / jurisdiction / limits":"The 2010 enactment date, designated-transfer-date provision, and 2016 formal removal are distinct. The FTC’s own part 444 remained a separate rule.","Source / exact pinpoint":"S018, §57a(f)(1), 2010 effective-date note; S020, pp.8133–8134 / indexes 0–1. \nuscode.house.gov\n+1"},"coordinator_verification_status":"Fed_final_repeal_checked_statutory_actor_version_held","coordinator_review":{"at":"2026-10-29T08:28:15.255539+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"Fed_final_repeal_checked_statutory_actor_version_held","scope":"Fedformalremovalcomplete;statutory57aenactment/transferdatesoriginalunreopenedandotherstatutes/actualactorheld.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R003-P1-C059","area_numbers":[3],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"R003-P1-C059","Area / type":"A003 / Final rule","Precise assertion and operative conditions":"NCUA removed and reserved part 706 effective October 3, 2014. Its final rule expressly retained the distinction between repealed regulations and continuing statutory supervisory/enforcement authority.","Status / jurisdiction / limits":"A federal-credit-union notice obligation cannot simply be asserted today by citing former §706 as a current rule.","Source / exact pinpoint":"S021, p.59627 / index 0; removal instruction 3, p.59629 / index 2. \ngovinfo.gov\n+1"},"coordinator_verification_status":"NCUA_selected_repeal_checked_other_authority_held","coordinator_review":{"at":"2026-10-29T08:28:15.255539+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"NCUA_selected_repeal_checked_other_authority_held","scope":"Part706removalandcontinuingstatutoryauthorityselectedread;notcurrentuniversalnoticeobligationoractorapplication.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R003-P1-C060","area_numbers":[3],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"R003-P1-C060","Area / type":"A003 / Guidance + Final-rule history","Precise assertion and operative conditions":"The joint agencies explained that former OTS part 535 was omitted from OCC republication because the relevant authority was unavailable and was effectively repealed July 21, 2011. Treasury later directed removal of obsolete OTS chapter V as non-substantive cleanup.","Status / jurisdiction / limits":"The complete 2011 republication was not independently reconstructed. The 2017 Treasury document’s printed effective date is October 11, 2018; no correction was verified. Neither document is treated as creating a new cosigner-notice duty.","Source / exact pinpoint":"S023, footnote 9; S022, OCC p.48950 / index 0; Treasury pp.47083–47084 / indexes 0–1. \nfederalreserve.gov\n+2"},"coordinator_verification_status":"original_attribution_or_unreopened_material_premise_held","coordinator_review":{"at":"2026-10-29T08:28:15.255539+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"original_attribution_or_unreopened_material_premise_held","scope":"No selected fresh body establishes every material cited premise; retain exact original issuer/version/guidance/jurisdiction limits and fresh45 failure where applicable. No contradiction established, no acceptance.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R003-P1-C061","area_numbers":[3],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"R003-P1-C061","Area / type":"A003 / Text","Precise assertion and operative conditions":"Separate federal statutory prohibitions remain relevant. Section 5531 addresses UDAAP involving covered persons/service providers and consumer financial products/services; §5536 contains operative prohibitions. Section 45 supplies the FTC Act prohibition, with enforcement and actor qualifications.","Status / jurisdiction / limits":"Statutory unfairness has specified injury, avoidability, and countervailing-benefit conditions; a regulatory repeal does not establish that every former practice is permissible. These statutes do not themselves reproduce §444.3(c)’s exact notice as a universal institutional obligation.","Source / exact pinpoint":"S018, §45(a); S019, §§5531(a)–(d), 5536(a); S020–S021. \nuscode.house.gov\n+3"},"coordinator_verification_status":"agency_nonlegalization_history_checked_current_statutes_held","coordinator_review":{"at":"2026-10-29T08:28:15.255539+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"agency_nonlegalization_history_checked_current_statutes_held","scope":"FreshFed/NCUAexplainnoautomaticlegalization;5531/5536unreopenedand45fresh404, noentirestatutorytest/currentactoracceptance.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R003-P1-C062","area_numbers":[3],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"R003-P1-C062","Area / type":"A003 / Verified publisher status","Precise assertion and operative conditions":"As checked on D, CFPB’s guidance index still listed the 2014 credit-practices guidance, its withdrawal register did not list that item, and NCUA expressly marked its accompanying letter Active. Fed and OCC publisher pages remained posted without an observed rescission banner.","Status / jurisdiction / limits":"FDIC publisher status remains unresolved: both attempted official pages returned 403. The verified statuses are stated agency by agency; publication of an old document alone was not treated as a complete currentness check.","Source / exact pinpoint":"S024–S025; failure F04 below. \nConsumer Financial Protection Bureau\n+4"},"coordinator_verification_status":"selected_positive_withdrawal_entries_only_publisher_absence_held","coordinator_review":{"at":"2026-10-29T08:28:15.255539+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"selected_positive_withdrawal_entries_only_publisher_absence_held","scope":"TwoECOAwithdrawalentriesfresh; thisclaimaboutjointguidancepublisherstatus/wholeindexabsenceisoriginalattributionunreopened, especiallyFDIC403held.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R003-P1-C063","area_numbers":[3],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"R003-P1-C063","Area / type":"A003 / Guidance + Synthesis","Precise assertion and operative conditions":"The 2014 guidance says repeal is not a determination that former practices are permissible; statutory violations depend on facts and circumstances. Footnote 11 expresses the agencies’ view that continuing to provide a notice before obligation properly discloses cosigner liability.","Status / jurisdiction / limits":"This is a supervisory interpretation, not a newly enacted regulation applying the FTC’s exact affirmative notice duty to every exempt institution, and not an independently created private right. Operative assertions must rest on current statutes/rules.","Source / exact pinpoint":"S023, guidance body and footnote 11; S019–S021. \nfederalreserve.gov"},"coordinator_verification_status":"repeal_statutory_context_checked_guidance_body_unreopened","coordinator_review":{"at":"2026-10-29T08:28:15.255539+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"repeal_statutory_context_checked_guidance_body_unreopened","scope":"Repealcontextcheckedonly;2014jointguidance/footnote11exactwordsandpublisherstatusnotfresh,andnotnewaffirmativeinstitutionnoticeduty/privatecause.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R003-P1-C064","area_numbers":[3],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"R003-P1-C064","Area / type":"A003 / Withdrawal / history","Precise assertion and operative conditions":"The CFPB’s proposed Regulation AA was withdrawn May 15, 2025. Its August 2026 regulatory-priorities statement again identifies the withdrawal.","Status / jurisdiction / limits":"The remaining proposal landing page does not make the proposal final or revive former Federal Reserve Regulation AA. No new universal cosigner-notice obligation is established by these materials.","Source / exact pinpoint":"S026, withdrawal p.20569 / index 0; agenda p.52943 / index 151. \ngovinfo.gov\n+2"},"coordinator_verification_status":"original_attribution_or_unreopened_material_premise_held","coordinator_review":{"at":"2026-10-29T08:28:15.255539+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"original_attribution_or_unreopened_material_premise_held","scope":"No selected fresh body establishes every material cited premise; retain exact original issuer/version/guidance/jurisdiction limits and fresh45 failure where applicable. No contradiction established, no acceptance.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R003-P1-C065","area_numbers":[3],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"R003-P1-C065","Area / type":"A003 / Text + Synthesis","Precise assertion and operative conditions":"ECOA’s civil-liability provisions address an aggrieved applicant and authorize specified court relief; they also include a good-faith-conformity protection. A signature-rule violation is therefore not itself a complete adjudication of contract invalidity or of a particular claimant’s remedy.","Status / jurisdiction / limits":"Statutory applicant status, court/claim posture, state defenses, relief, and later authority remain separate. No damages, limitation-period, or litigation-strategy analysis is supplied.","Source / exact pinpoint":"S004, §1691e(a), (c), (e); S027–S028. \nuscode.house.gov\n+2"},"coordinator_verification_status":"majority_claim_defense_limit_checked_remedy_statute_held","coordinator_review":{"at":"2026-10-29T08:28:15.255539+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"majority_claim_defense_limit_checked_remedy_statute_held","scope":"Selectedmajoritysupportsclaim/defensecontroversy;1691eunreopened,SClaterdispositionfreshfailed;noautomaticcontractinvalidity,forumstanding,awardordeadlineconclusion.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R003-P1-C066","area_numbers":[3],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"R003-P1-C066","Area / type":"A003 / Synthesis","Precise assertion and operative conditions":"The audit must distinguish application intent, capacity, express promise, security consent, notice delivery, and governing property law. Evidence of one cannot automatically stand in for all the others.","Status / jurisdiction / limits":"Neither household relationship, marriage, credit reporting, account access, nor an official model notice alone proves actual personal liability. This is an evidentiary limit of the researched federal sources, not a ruling that other law can never impose an obligation.","Source / exact pinpoint":"S006, §2(i); S008, comments 7(d)(1)-3 and 7(d)(4)-3; S010, §11(d); S015, §444.3(c). \nConsumer Financial Protection Bureau\n+4"},"coordinator_verification_status":"bounded_cross_source_evidentiary_synthesis_checked_application_held","coordinator_review":{"at":"2026-10-29T08:28:15.255539+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"bounded_cross_source_evidentiary_synthesis_checked_application_held","scope":"Expresspromise/jointintent/propertyconsent/noticeconceptsreconciledonlyatthegenericpublishedscope;missingstatecontract/formation/authority/factsremainsandotherlawnotnegated.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}}],"sources":[{"source_id":"R003-P1-S001","urls":["https://uscode.house.gov/us/usc/119-121/t15/s1691/","https://uscode.house.gov/us/usc/119-121/t15/s1691/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"R003-P1-S001","Title / issuer and complete literal HTTPS URL(s)":"15 U.S.C. §1691, Scope of prohibition — House OLRC. https://uscode.house.gov/us/usc/119-121/t15/s1691/","Exact pinpoint and read extent":"Necessary operative text: §1691(a), (b), and (c), including marital inquiry and special-program provisions; relevant amendment/effective-date notes. Other displayed provisions were not used for a general adverse-action survey.","Version, status, jurisdiction, and check limits":"Fresh; D. Compilation through Public Law 119-121, October 9, 2026. Federal statute; no complete post-compilation session-law audit."},"coordinator_verification_status":"original_source_attribution_unreopened_with_all_limits","coordinator_review":{"at":"2026-10-29T08:28:15.255539+00:00","identity":"delegated coordinator /root/review_wv1; not independent","source_check":"[internal evidence reference]","disposition":"original_source_attribution_unreopened_with_all_limits","scope":"Originalresearcherrecordretained; nofreshissuerbody/version/publisherstatusacceptance. Allstatedscope/currentness/failure/secondary/pixel/applicationlimitsremain.","selected_evidence_keys":[],"all_original_limits_retained":true}},{"source_id":"R003-P1-S002","urls":["https://uscode.house.gov/us/usc/119-121/t15/s1691a/","https://uscode.house.gov/us/usc/119-121/t15/s1691a/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"R003-P1-S002","Title / issuer and complete literal HTTPS URL(s)":"15 U.S.C. §1691a, Definitions; rules of construction — House OLRC. https://uscode.house.gov/us/usc/119-121/t15/s1691a/","Exact pinpoint and read extent":"Complete operative subsections (a)–(g), including statutory applicant, credit, creditor, person, and regulatory-reference provisions; displayed amendment notes.","Version, status, jurisdiction, and check limits":"Fresh; D. Compilation through October 9, 2026. Statutory definition must be distinguished from the regulation’s special guarantor inclusion."},"coordinator_verification_status":"fresh_complete_operative_definition_checked","coordinator_review":{"at":"2026-10-29T08:28:15.255539+00:00","identity":"delegated coordinator /root/review_wv1; not independent","source_check":"[internal evidence reference]","disposition":"fresh_complete_operative_definition_checked","scope":"Complete1691a(a)–(g)body20–31; compilation cutoff10/9/2026; statutory applicant different from regulatory special guarantor clause.","selected_evidence_keys":["statutory1691a_currency_and_complete_operative"],"all_original_limits_retained":true}},{"source_id":"R003-P1-S003","urls":["https://uscode.house.gov/us/usc/119-124/t15/s1691d/","https://uscode.house.gov/us/usc/119-124/t15/s1691d/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"R003-P1-S003","Title / issuer and complete literal HTTPS URL(s)":"15 U.S.C. §1691d, Applicability of other laws — House OLRC. https://uscode.house.gov/us/usc/119-124/t15/s1691d/","Exact pinpoint and read extent":"Complete operative (a)–(g); particular reliance on lien/property signatures, state property law, narrowly framed separate-credit preemption, and state-law preservation/exemption provisions.","Version, status, jurisdiction, and check limits":"Fresh; D. Compilation through Public Law 119-124, October 15, 2026. No all-state property or remedies analysis."},"coordinator_verification_status":"original_source_attribution_unreopened_with_all_limits","coordinator_review":{"at":"2026-10-29T08:28:15.255539+00:00","identity":"delegated coordinator /root/review_wv1; not independent","source_check":"[internal evidence reference]","disposition":"original_source_attribution_unreopened_with_all_limits","scope":"Originalresearcherrecordretained; nofreshissuerbody/version/publisherstatusacceptance. Allstatedscope/currentness/failure/secondary/pixel/applicationlimitsremain.","selected_evidence_keys":[],"all_original_limits_retained":true}},{"source_id":"R003-P1-S004","urls":["https://uscode.house.gov/us/usc/119-124/t15/s1691e/","https://uscode.house.gov/us/usc/119-124/t15/s1691e/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"R003-P1-S004","Title / issuer and complete literal HTTPS URL(s)":"15 U.S.C. §1691e, Civil liability — House OLRC. https://uscode.house.gov/us/usc/119-124/t15/s1691e/","Exact pinpoint and read extent":"Operative body retrieved; used principally (a), (c), and (e): aggrieved-applicant liability, court-granted equitable/declaratory relief, and good-faith conformity protection. No deadline or award calculation.","Version, status, jurisdiction, and check limits":"Fresh; D. Compilation through October 15, 2026. Does not resolve a particular guarantor’s statutory entitlement, jurisdiction, defenses, or remedy."},"coordinator_verification_status":"original_source_attribution_unreopened_with_all_limits","coordinator_review":{"at":"2026-10-29T08:28:15.255539+00:00","identity":"delegated coordinator /root/review_wv1; not independent","source_check":"[internal evidence reference]","disposition":"original_source_attribution_unreopened_with_all_limits","scope":"Originalresearcherrecordretained; nofreshissuerbody/version/publisherstatusacceptance. Allstatedscope/currentness/failure/secondary/pixel/applicationlimitsremain.","selected_evidence_keys":[],"all_original_limits_retained":true}},{"source_id":"R003-P1-S005","urls":["https://www.consumerfinance.gov/rules-policy/regulations/1002/1/","https://www.consumerfinance.gov/rules-policy/regulations/1002/1/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"R003-P1-S005","Title / issuer and complete literal HTTPS URL(s)":"12 C.F.R. §1002.1, Authority, scope and purpose — CFPB. https://www.consumerfinance.gov/rules-policy/regulations/1002/1/","Exact pinpoint and read extent":"Complete operative section and official comments 1(a)-1 through -3.","Version, status, jurisdiction, and check limits":"Fresh; D. Agency labels current. U.S. lending, including Puerto Rico and territories; generally excludes lending outside the U.S. Part-specific motor-vehicle-dealer exclusion is expressly distinguished from ECOA itself."},"coordinator_verification_status":"original_source_attribution_unreopened_with_all_limits","coordinator_review":{"at":"2026-10-29T08:28:15.255539+00:00","identity":"delegated coordinator /root/review_wv1; not independent","source_check":"[internal evidence reference]","disposition":"original_source_attribution_unreopened_with_all_limits","scope":"Originalresearcherrecordretained; nofreshissuerbody/version/publisherstatusacceptance. Allstatedscope/currentness/failure/secondary/pixel/applicationlimitsremain.","selected_evidence_keys":[],"all_original_limits_retained":true}},{"source_id":"R003-P1-S006","urls":["https://www.consumerfinance.gov/rules-policy/regulations/1002/2/","https://www.consumerfinance.gov/rules-policy/regulations/1002/2/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"R003-P1-S006","Title / issuer and complete literal HTTPS URL(s)":"12 C.F.R. §1002.2, Definitions — CFPB. https://www.consumerfinance.gov/rules-policy/regulations/1002/2/","Exact pinpoint and read extent":"Complete necessary clauses: (e)–(j), (l)–(n), (q), (u), (w), (x), (z), (aa); relevant official comments to (e), (f), (g), (j), (l), (w), and (z).","Version, status, jurisdiction, and check limits":"Fresh; D. Agency labels current. No general scoring, adverse-action, TILA, or debt-classification survey inferred from incidental displayed text."},"coordinator_verification_status":"fresh_selected_definitions_comments_checked","coordinator_review":{"at":"2026-10-29T08:28:15.255539+00:00","identity":"delegated coordinator /root/review_wv1; not independent","source_check":"[internal evidence reference]","disposition":"fresh_selected_definitions_comments_checked","scope":"Selectedapplicant/application/contractualcredit/creditor/extension/openend definitions and relevant comments, not every scoring/adverse-action body.","selected_evidence_keys":["RegB2_applicant_application","RegB2_selected_definitions_and_comments"],"all_original_limits_retained":true}},{"source_id":"R003-P1-S007","urls":["https://www.consumerfinance.gov/rules-policy/regulations/1002/3/","https://www.consumerfinance.gov/rules-policy/regulations/1002/3/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"R003-P1-S007","Title / issuer and complete literal HTTPS URL(s)":"12 C.F.R. §1002.3, Limited exceptions — CFPB. https://www.consumerfinance.gov/rules-policy/regulations/1002/3/","Exact pinpoint and read extent":"Complete (a)–(d) and associated comments; especially (b)(2)(vi), (c)(2)(v), and (d)(2).","Version, status, jurisdiction, and check limits":"Fresh; D. Agency labels current. Essential limits on applying §1002.7(d) to securities, incidental, and government credit."},"coordinator_verification_status":"fresh_complete_operative_exceptions_comments_checked","coordinator_review":{"at":"2026-10-29T08:28:15.255539+00:00","identity":"delegated coordinator /root/review_wv1; not independent","source_check":"[internal evidence reference]","disposition":"fresh_complete_operative_exceptions_comments_checked","scope":"Complete3operative/comments41–113. Securities/incidental/government branches limit7d;utilitydoesnotremove7d; conditions all retained.","selected_evidence_keys":["RegB3_complete_operative_and_comments"],"all_original_limits_retained":true}},{"source_id":"R003-P1-S008","urls":["https://www.consumerfinance.gov/rules-policy/regulations/1002/7/","https://www.ecfr.gov/current/title-12/chapter-X/part-1002/section-1002.7","https://www.consumerfinance.gov/rules-policy/regulations/1002/7/?utm_source=chatgpt.com","https://www.ecfr.gov/current/title-12/chapter-X/part-1002/section-1002.7?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"R003-P1-S008","Title / issuer and complete literal HTTPS URL(s)":"12 C.F.R. §1002.7, Rules concerning extensions of credit — CFPB; eCFR cross-check. https://www.consumerfinance.gov/rules-policy/regulations/1002/7/ ; https://www.ecfr.gov/current/title-12/chapter-X/part-1002/section-1002.7","Exact pinpoint and read extent":"Complete §7(d)(1)–(6) and every accompanying official comment; also complete relevant §7(a), §7(c), and comments. The CFPB body is the substantive reading source.","Version, status, jurisdiction, and check limits":"Fresh; D. CFPB labels current. Initial eCFR page showed Title 12 currency through October 23, 2026; later canonical retrieval encountered an access challenge. No workaround; see failure log."},"coordinator_verification_status":"fresh_complete7d_comments_and_selected_a_c_checked","coordinator_review":{"at":"2026-10-29T08:28:15.255539+00:00","identity":"delegated coordinator /root/review_wv1; not independent","source_check":"[internal evidence reference]","disposition":"fresh_complete7d_comments_and_selected_a_c_checked","scope":"Complete7d85–150allcomments plusa/c; qualifiedsole/jointintent/property/income/additionalparty/renewal/businessrole distinct. OriginaleCFRchallengeunretried.","selected_evidence_keys":["RegB7_early_operative_and_comments","RegB7_tail_comments_and_business_role"],"all_original_limits_retained":true}},{"source_id":"R003-P1-S009","urls":["https://www.consumerfinance.gov/rules-policy/regulations/1002/6/","https://www.consumerfinance.gov/rules-policy/regulations/1002/6/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"R003-P1-S009","Title / issuer and complete literal HTTPS URL(s)":"12 C.F.R. §1002.6, Evaluation of applications — CFPB. https://www.consumerfinance.gov/rules-policy/regulations/1002/6/","Exact pinpoint and read extent":"§6(b)(8), relevant marital-status commentary, and §6(c), concerning equal standards and state property law.","Version, status, jurisdiction, and check limits":"Fresh; D. Agency labels current. Only provisions necessary to signature/property distinctions used."},"coordinator_verification_status":"original_source_attribution_unreopened_with_all_limits","coordinator_review":{"at":"2026-10-29T08:28:15.255539+00:00","identity":"delegated coordinator /root/review_wv1; not independent","source_check":"[internal evidence reference]","disposition":"original_source_attribution_unreopened_with_all_limits","scope":"Originalresearcherrecordretained; nofreshissuerbody/version/publisherstatusacceptance. Allstatedscope/currentness/failure/secondary/pixel/applicationlimitsremain.","selected_evidence_keys":[],"all_original_limits_retained":true}},{"source_id":"R003-P1-S010","urls":["https://www.consumerfinance.gov/rules-policy/regulations/1002/11/","https://www.consumerfinance.gov/rules-policy/regulations/1002/11/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"R003-P1-S010","Title / issuer and complete literal HTTPS URL(s)":"12 C.F.R. §1002.11, Relation to state law — CFPB. https://www.consumerfinance.gov/rules-policy/regulations/1002/11/","Exact pinpoint and read extent":"Complete operative section and displayed comments; relied on (a), (b), (d), and (e).","Version, status, jurisdiction, and check limits":"Fresh; D. Agency labels current. State property law remains a separate inquiry; no state-by-state preemption determination made."},"coordinator_verification_status":"original_source_attribution_unreopened_with_all_limits","coordinator_review":{"at":"2026-10-29T08:28:15.255539+00:00","identity":"delegated coordinator /root/review_wv1; not independent","source_check":"[internal evidence reference]","disposition":"original_source_attribution_unreopened_with_all_limits","scope":"Originalresearcherrecordretained; nofreshissuerbody/version/publisherstatusacceptance. Allstatedscope/currentness/failure/secondary/pixel/applicationlimitsremain.","selected_evidence_keys":[],"all_original_limits_retained":true}},{"source_id":"R003-P1-S011","urls":["https://www.consumerfinance.gov/rules-policy/regulations/1002/8/","https://www.consumerfinance.gov/rules-policy/regulations/1002/8/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"R003-P1-S011","Title / issuer and complete literal HTTPS URL(s)":"12 C.F.R. §1002.8, Special purpose credit programs — CFPB. https://www.consumerfinance.gov/rules-policy/regulations/1002/8/","Exact pinpoint and read extent":"Complete current operative (a)–(d) and all displayed official comments. Signature sentence in (d); program prerequisites in (a)–(b); information provision in (c).","Version, status, jurisdiction, and check limits":"Fresh; D. Agency labels current. Current 2026 program conditions used; no actual program eligibility or compliance finding."},"coordinator_verification_status":"fresh_complete_current8_operative_comments_checked","coordinator_review":{"at":"2026-10-29T08:28:15.255539+00:00","identity":"delegated coordinator /root/review_wv1; not independent","source_check":"[internal evidence reference]","disposition":"fresh_complete_current8_operative_comments_checked","scope":"Current8(a)–(d)/comments41–97; legallyrequiredsignature and currentprogramconditions; no actualprogram, allhistory orjudicialstatuscertificate.","selected_evidence_keys":["RegB8_complete_operative_and_comments"],"all_original_limits_retained":true}},{"source_id":"R003-P1-S012","urls":["https://www.govinfo.gov/content/pkg/FR-2026-04-22/pdf/2026-07804.pdf","https://www.govinfo.gov/content/pkg/FR-2026-04-22/pdf/2026-07804.pdf?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"R003-P1-S012","Title / issuer and complete literal HTTPS URL(s)":"Equal Credit Opportunity Act (Regulation B), final rule — CFPB, 91 FR 21620. https://www.govinfo.gov/content/pkg/FR-2026-04-22/pdf/2026-07804.pdf","Exact pinpoint and read extent":"Printed p.21620 / index 0, summary and effective date; pp.21658–21659 / indexes 38–39, relevant §8 discussion and effective-date section; pp.21668–21670 / indexes 48–50, relevant amendment instructions and revised §8 commentary.","Version, status, jurisdiction, and check limits":"Fresh; D. Final, published April 22, 2026; stated effective July 21, 2026. Not a full 51-page read or judicial-status certification."},"coordinator_verification_status":"fresh_selected_final_effective_prospective_portions_checked","coordinator_review":{"at":"2026-10-29T08:28:15.255539+00:00","identity":"delegated coordinator /root/review_wv1; not independent","source_check":"[internal evidence reference]","disposition":"fresh_selected_final_effective_prospective_portions_checked","scope":"SummaryeffectiveJuly21,2026 andselectedon-or-after/preextensiontext; notall51pages/preamble/amendmentinstructions orlaterorders.","selected_evidence_keys":["RegB2026_summary_effective_date","RegB2026_effective_and_prospective_credit"],"all_original_limits_retained":true}},{"source_id":"R003-P1-S013","urls":["https://www.consumerfinance.gov/rules-policy/regulations/1002/b/","https://files.consumerfinance.gov/f/images/cfpb_regulations_ER21DE11-046.original.png","https://files.consumerfinance.gov/f/images/cfpb_regulations_ER21DE11-047.original.png","https://www.consumerfinance.gov/rules-policy/regulations/1002/b/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"R003-P1-S013","Title / issuer and complete literal HTTPS URL(s)":"Appendix B, Model Application Forms — CFPB. https://www.consumerfinance.gov/rules-policy/regulations/1002/b/ ; linked Form 1 images: https://files.consumerfinance.gov/f/images/cfpb_regulations_ER21DE11-046.original.png and https://files.consumerfinance.gov/f/images/cfpb_regulations_ER21DE11-047.original.png","Exact pinpoint and read extent":"Complete introductory instructions 1–3 read. Image routes returned image markers, but their pixels were not available for verified visual inspection; no image-field transcription relied upon.","Version, status, jurisdiction, and check limits":"Fresh; D. Optional official models; limited inquiry-compliance effect under §1002.5(b)–(d). Worksheet below relies on operative clauses and official commentary, not unseen form pixels."},"coordinator_verification_status":"original_source_attribution_unreopened_with_all_limits","coordinator_review":{"at":"2026-10-29T08:28:15.255539+00:00","identity":"delegated coordinator /root/review_wv1; not independent","source_check":"[internal evidence reference]","disposition":"original_source_attribution_unreopened_with_all_limits","scope":"Originalresearcherrecordretained; nofreshissuerbody/version/publisherstatusacceptance. Allstatedscope/currentness/failure/secondary/pixel/applicationlimitsremain.","selected_evidence_keys":[],"all_original_limits_retained":true}},{"source_id":"R003-P1-S014","urls":["https://uscode.house.gov/us/usc/119-124/t12/s5519/","https://uscode.house.gov/us/usc/119-124/t12/s5519/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"R003-P1-S014","Title / issuer and complete literal HTTPS URL(s)":"12 U.S.C. §5519, motor-vehicle-dealer exclusion — House OLRC. https://uscode.house.gov/us/usc/119-124/t12/s5519/","Exact pinpoint and read extent":"Relevant (a)–(d), including activity-based exclusion, statutory carvebacks, preserved other-agency authority, and FTC rulemaking provision.","Version, status, jurisdiction, and check limits":"Fresh; D. Compilation through October 15, 2026. Exact classification of any dealer and complete counterpart-Regulation-B treatment remain untested."},"coordinator_verification_status":"original_source_attribution_unreopened_with_all_limits","coordinator_review":{"at":"2026-10-29T08:28:15.255539+00:00","identity":"delegated coordinator /root/review_wv1; not independent","source_check":"[internal evidence reference]","disposition":"original_source_attribution_unreopened_with_all_limits","scope":"Originalresearcherrecordretained; nofreshissuerbody/version/publisherstatusacceptance. Allstatedscope/currentness/failure/secondary/pixel/applicationlimitsremain.","selected_evidence_keys":[],"all_original_limits_retained":true}},{"source_id":"R003-P1-S015","urls":["https://www.ecfr.gov/current/title-16/chapter-I/subchapter-D/part-444","https://www.ecfr.gov/current/title-16/chapter-I/subchapter-D/part-444?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"R003-P1-S015","Title / issuer and complete literal HTTPS URL(s)":"16 C.F.R. part 444, Credit Practices — FTC / eCFR. https://www.ecfr.gov/current/title-16/chapter-I/subchapter-D/part-444","Exact pinpoint and read extent":"Entire operative §§444.1–444.5 read, including complete definitions, §444.3(a)–(c), complete prescribed notice, and §444.5 exemption conditions.","Version, status, jurisdiction, and check limits":"Fresh; D. eCFR Title 16 currency through October 23, 2026; source note 49 FR 7789, March 1, 1984. FTC-jurisdiction consumer transactions; no complete annual-CFR/session-history audit."},"coordinator_verification_status":"fresh_complete_operative444_checked_no_pixels","coordinator_review":{"at":"2026-10-29T08:28:15.255539+00:00","identity":"delegated coordinator /root/review_wv1; not independent","source_check":"[internal evidence reference]","disposition":"fresh_complete_operative444_checked_no_pixels","scope":"Alloperative114–185union; actor/purpose/cosigner/noticeelements/timing/exemptions complete; boundedabsenceofackretentionexpiration onlywithinpart444. Current10/27display distinctfromoriginal10/23.","selected_evidence_keys":["FTC444_currency_and_early_operative","FTC444_complete_notice_and_exemptions"],"all_original_limits_retained":true}},{"source_id":"R003-P1-S016","urls":["https://www.ftc.gov/business-guidance/resources/complying-credit-practices-rule","https://www.ftc.gov/business-guidance/resources/complying-credit-practices-rule?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"R003-P1-S016","Title / issuer and complete literal HTTPS URL(s)":"Complying with the Credit Practices Rule — FTC staff business guidance. https://www.ftc.gov/business-guidance/resources/complying-credit-practices-rule","Exact pinpoint and read extent":"Complete page read; relied on “Introduction,” “What Transactions Are Covered,” “How Exemptions Are Granted,” and “Notice to Cosigners.”","Version, status, jurisdiction, and check limits":"Fresh; D. December 2006 booklet, edited January 2025 for penalty information. Still published; staff guidance, not amended regulatory text. Historical bank-counterpart statements are not used as current coverage proof."},"coordinator_verification_status":"original_source_attribution_unreopened_with_all_limits","coordinator_review":{"at":"2026-10-29T08:28:15.255539+00:00","identity":"delegated coordinator /root/review_wv1; not independent","source_check":"[internal evidence reference]","disposition":"original_source_attribution_unreopened_with_all_limits","scope":"Originalresearcherrecordretained; nofreshissuerbody/version/publisherstatusacceptance. Allstatedscope/currentness/failure/secondary/pixel/applicationlimitsremain.","selected_evidence_keys":[],"all_original_limits_retained":true}},{"source_id":"R003-P1-S017","urls":["https://consumer.ftc.gov/articles/cosigning-loan-faqs","https://consumer.ftc.gov/articles/cosigning-loan-faqs?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"R003-P1-S017","Title / issuer and complete literal HTTPS URL(s)":"Cosigning a Loan FAQs — FTC Consumer Advice. https://consumer.ftc.gov/articles/cosigning-loan-faqs","Exact pinpoint and read extent":"Complete page read; particularly obligations, state collection sequence, real-estate-purchase notice qualification, language, copies, and release advice.","Version, status, jurisdiction, and check limits":"Fresh; D. Dated April 2024; generic advice. Broad introductory statements must be read subject to controlling actor/transaction coverage."},"coordinator_verification_status":"original_source_attribution_unreopened_with_all_limits","coordinator_review":{"at":"2026-10-29T08:28:15.255539+00:00","identity":"delegated coordinator /root/review_wv1; not independent","source_check":"[internal evidence reference]","disposition":"original_source_attribution_unreopened_with_all_limits","scope":"Originalresearcherrecordretained; nofreshissuerbody/version/publisherstatusacceptance. Allstatedscope/currentness/failure/secondary/pixel/applicationlimitsremain.","selected_evidence_keys":[],"all_original_limits_retained":true}},{"source_id":"R003-P1-S018","urls":["https://uscode.house.gov/us/usc/119-124/t15/s44/","https://uscode.house.gov/us/usc/119-121/t15/s45/","https://uscode.house.gov/us/usc/119-124/t15/s57a/","https://uscode.house.gov/us/usc/119-124/t15/s44/?utm_source=chatgpt.com","https://uscode.house.gov/us/usc/119-121/t15/s45/?utm_source=chatgpt.com","https://uscode.house.gov/us/usc/119-124/t15/s57a/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"R003-P1-S018","Title / issuer and complete literal HTTPS URL(s)":"FTC Act jurisdiction, definitions, and rulemaking provisions — House OLRC. https://uscode.house.gov/us/usc/119-124/t15/s44/ ; https://uscode.house.gov/us/usc/119-121/t15/s45/ ; https://uscode.house.gov/us/usc/119-124/t15/s57a/","Exact pinpoint and read extent":"Necessary §44 definitions; §45(a)(1)–(2); §57a(f)(1)–(4), (g)(1)–(3), and 2010 amendment/effective-date notes.","Version, status, jurisdiction, and check limits":"Fresh; D. §45 compilation through October 9; other two through October 15, 2026. Grouped statutory usage, not three independent confirmations. No actual entity classification."},"coordinator_verification_status":"fresh45_failed404_other_statutory_bodies_unreopened","coordinator_review":{"at":"2026-10-29T08:28:15.255539+00:00","identity":"delegated coordinator /root/review_wv1; not independent","source_check":"[internal evidence reference]","disposition":"fresh45_failed404_other_statutory_bodies_unreopened","scope":"Exact119-121§45URLfailedonce404;44/57aunreopened, original actor/enforcement/exemptionstatements attributed only. Noalternate route orcurrentactorclassification. ","selected_evidence_keys":[],"all_original_limits_retained":true}},{"source_id":"R003-P1-S019","urls":["https://uscode.house.gov/us/usc/119-121/t12/s5531/","https://uscode.house.gov/us/usc/119-121/t12/s5536/","https://uscode.house.gov/us/usc/119-121/t12/s5531/?utm_source=chatgpt.com","https://uscode.house.gov/us/usc/119-121/t12/s5536/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"R003-P1-S019","Title / issuer and complete literal HTTPS URL(s)":"12 U.S.C. §§5531 and 5536 — House OLRC. https://uscode.house.gov/us/usc/119-121/t12/s5531/ ; https://uscode.house.gov/us/usc/119-121/t12/s5536/","Exact pinpoint and read extent":"Operative §5531(a)–(f) and §5536(a)–(b), including covered-person/service-provider framework, unfairness conditions, and statutory prohibitions.","Version, status, jurisdiction, and check limits":"Fresh; D. Compilation through October 9, 2026. Separate statutory UDAP/UDAAP analysis; no institution-specific enforcement finding."},"coordinator_verification_status":"original_source_attribution_unreopened_with_all_limits","coordinator_review":{"at":"2026-10-29T08:28:15.255539+00:00","identity":"delegated coordinator /root/review_wv1; not independent","source_check":"[internal evidence reference]","disposition":"original_source_attribution_unreopened_with_all_limits","scope":"Originalresearcherrecordretained; nofreshissuerbody/version/publisherstatusacceptance. Allstatedscope/currentness/failure/secondary/pixel/applicationlimitsremain.","selected_evidence_keys":[],"all_original_limits_retained":true}},{"source_id":"R003-P1-S020","urls":["https://www.govinfo.gov/content/pkg/FR-2016-02-18/pdf/2016-03228.pdf","https://www.govinfo.gov/content/pkg/FR-2016-02-18/pdf/2016-03228.pdf?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"R003-P1-S020","Title / issuer and complete literal HTTPS URL(s)":"Unfair or Deceptive Acts or Practices (Regulation AA), final repeal — Federal Reserve, 81 FR 8133–8134. https://www.govinfo.gov/content/pkg/FR-2016-02-18/pdf/2016-03228.pdf","Exact pinpoint and read extent":"Complete relevant Federal Reserve final-rule body, printed pp.8133–8134 / indexes 0–1; neighboring agency material excluded.","Version, status, jurisdiction, and check limits":"Fresh; D. Published February 18, 2016; effective March 21, 2016. Removes former 12 C.F.R. part 227; explains statutory-authority repeal and non-transfer of that rulemaking authority."},"coordinator_verification_status":"fresh_complete_relevant_Fed_final_rule_unit_checked","coordinator_review":{"at":"2026-10-29T08:28:15.255539+00:00","identity":"delegated coordinator /root/review_wv1; not independent","source_check":"[internal evidence reference]","disposition":"fresh_complete_relevant_Fed_final_rule_unit_checked","scope":"Fedunit0–353readincludingMar21,2016effective/removal; unrelatedFAAexcluded. Historicalstatutorydiscussion notsubstitutecompletecurrent44/45/57a.","selected_evidence_keys":["Fed2016_metadata_early","Fed2016_gap45_60","Fed2016_complete_relevant_body_and_removal"],"all_original_limits_retained":true}},{"source_id":"R003-P1-S021","urls":["https://www.govinfo.gov/content/pkg/FR-2014-10-03/pdf/2014-22715.pdf","https://www.govinfo.gov/content/pkg/FR-2014-10-03/pdf/2014-22715.pdf?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"R003-P1-S021","Title / issuer and complete literal HTTPS URL(s)":"Unfair or Deceptive Acts or Practices; Technical Amendments — NCUA, final rule. https://www.govinfo.gov/content/pkg/FR-2014-10-03/pdf/2014-22715.pdf","Exact pinpoint and read extent":"Complete part-706 discussion at p.59627 / index 0; relevant procedural discussion p.59628 / index 1; operative removal instruction 3 at p.59629 / index 2. Unrelated organizational amendments not treated as fully researched.","Version, status, jurisdiction, and check limits":"Fresh; D. Effective October 3, 2014. Part 706 removed and reserved; continuing statutory authority expressly discussed."},"coordinator_verification_status":"fresh_selected_NCUA_part706_discussion_removal_checked","coordinator_review":{"at":"2026-10-29T08:28:15.255539+00:00","identity":"delegated coordinator /root/review_wv1; not independent","source_check":"[internal evidence reference]","disposition":"fresh_selected_NCUA_part706_discussion_removal_checked","scope":"Oct3,2014date,part706discussion/continuedstatutoryauthority andoperativeremoval selected; organizationalunrelatedsectionsnotcomplete.","selected_evidence_keys":["NCUA2014_effective_and_statutory_discussion","NCUA2014_part706_and_operative_removal"],"all_original_limits_retained":true}},{"source_id":"R003-P1-S022","urls":["https://www.govinfo.gov/link/fr/76/49047","https://www.govinfo.gov/content/pkg/FR-2017-10-11/pdf/2017-21904.pdf","https://www.govinfo.gov/link/fr/76/49047?utm_source=chatgpt.com","https://www.govinfo.gov/content/pkg/FR-2017-10-11/pdf/2017-21904.pdf?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"R003-P1-S022","Title / issuer and complete literal HTTPS URL(s)":"Thrift-rule history — OCC and Treasury. OCC integration rule: https://www.govinfo.gov/link/fr/76/49047 . Treasury, Removal of Office of Thrift Supervision Regulations: https://www.govinfo.gov/content/pkg/FR-2017-10-11/pdf/2017-21904.pdf","Exact pinpoint and read extent":"OCC: summary/effective-date material at printed p.48950 / index 0 of a 250-page PDF; not the complete republication. Treasury: complete relevant item at pp.47083–47084 / indexes 0–1, including chapter-V removal instruction.","Version, status, jurisdiction, and check limits":"Fresh; D. OCC document effective July 21, 2011. Treasury final published October 11, 2017; its printed DATES says October 11, 2018. No correction was verified. Treasury describes non-substantive removal of obsolete/superseded provisions."},"coordinator_verification_status":"original_source_attribution_unreopened_with_all_limits","coordinator_review":{"at":"2026-10-29T08:28:15.255539+00:00","identity":"delegated coordinator /root/review_wv1; not independent","source_check":"[internal evidence reference]","disposition":"original_source_attribution_unreopened_with_all_limits","scope":"Originalresearcherrecordretained; nofreshissuerbody/version/publisherstatusacceptance. Allstatedscope/currentness/failure/secondary/pixel/applicationlimitsremain.","selected_evidence_keys":[],"all_original_limits_retained":true}},{"source_id":"R003-P1-S023","urls":["https://www.federalreserve.gov/frrs/guidance/interagency-guidance-regarding-unfair-or-deceptive-credit-practices.htm","https://www.federalreserve.gov/frrs/guidance/interagency-guidance-regarding-unfair-or-deceptive-credit-practices.htm?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"R003-P1-S023","Title / issuer and complete literal HTTPS URL(s)":"Interagency Guidance Regarding Unfair or Deceptive Credit Practices — Federal Reserve, CFPB, FDIC, NCUA, OCC. https://www.federalreserve.gov/frrs/guidance/interagency-guidance-regarding-unfair-or-deceptive-credit-practices.htm","Exact pinpoint and read extent":"Complete guidance body and footnotes 1–12; especially footnote 9 on former OTS part 535 and footnote 11 on continued notice use.","Version, status, jurisdiction, and check limits":"Fresh; D. Issued August 22, 2014. Guidance status checked separately in S024–S025. Its historical future-tense repeal statements are not current-rule statements."},"coordinator_verification_status":"original_source_attribution_unreopened_with_all_limits","coordinator_review":{"at":"2026-10-29T08:28:15.255539+00:00","identity":"delegated coordinator /root/review_wv1; not independent","source_check":"[internal evidence reference]","disposition":"original_source_attribution_unreopened_with_all_limits","scope":"Originalresearcherrecordretained; nofreshissuerbody/version/publisherstatusacceptance. Allstatedscope/currentness/failure/secondary/pixel/applicationlimitsremain.","selected_evidence_keys":[],"all_original_limits_retained":true}},{"source_id":"R003-P1-S024","urls":["https://www.federalreserve.gov/supervisionreg/caletters/caltr1405.htm","https://www.occ.gov/news-issuances/bulletins/2014/bulletin-2014-42.html","https://ncua.gov/regulation-supervision/letters-credit-unions-other-guidance/unfair-or-deceptive-credit-practices","https://www.federalreserve.gov/supervisionreg/caletters/caltr1405.htm?utm_source=chatgpt.com","https://www.occ.gov/news-issuances/bulletins/2014/bulletin-2014-42.html?utm_source=chatgpt.com","https://ncua.gov/regulation-supervision/letters-credit-unions-other-guidance/unfair-or-deceptive-credit-practices?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"R003-P1-S024","Title / issuer and complete literal HTTPS URL(s)":"Publisher status pages for the same joint guidance. Federal Reserve: https://www.federalreserve.gov/supervisionreg/caletters/caltr1405.htm ; OCC: https://www.occ.gov/news-issuances/bulletins/2014/bulletin-2014-42.html ; NCUA: https://ncua.gov/regulation-supervision/letters-credit-unions-other-guidance/unfair-or-deceptive-credit-practices","Exact pinpoint and read extent":"Relevant publisher-page bodies read. NCUA letter 14-FCU-03 explicitly displays Active; Fed/OCC pages remained published without an observed rescission banner.","Version, status, jurisdiction, and check limits":"Fresh; D. These are status checks of one underlying guidance document, not independent legal authorities. FDIC publisher retrieval failed; see log."},"coordinator_verification_status":"original_source_attribution_unreopened_with_all_limits","coordinator_review":{"at":"2026-10-29T08:28:15.255539+00:00","identity":"delegated coordinator /root/review_wv1; not independent","source_check":"[internal evidence reference]","disposition":"original_source_attribution_unreopened_with_all_limits","scope":"Originalresearcherrecordretained; nofreshissuerbody/version/publisherstatusacceptance. Allstatedscope/currentness/failure/secondary/pixel/applicationlimitsremain.","selected_evidence_keys":[],"all_original_limits_retained":true}},{"source_id":"R003-P1-S025","urls":["https://www.consumerfinance.gov/compliance/guidance/","https://www.consumerfinance.gov/compliance/guidance/withdrawn-guidance/","https://www.consumerfinance.gov/compliance/guidance/?utm_source=chatgpt.com","https://www.consumerfinance.gov/compliance/guidance/withdrawn-guidance/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"R003-P1-S025","Title / issuer and complete literal HTTPS URL(s)":"Guidance and Withdrawn Guidance registers — CFPB. https://www.consumerfinance.gov/compliance/guidance/ ; https://www.consumerfinance.gov/compliance/guidance/withdrawn-guidance/","Exact pinpoint and read extent":"Current index’s 2014 credit-practices entry; withdrawal-register body checked, including relevant ECOA entries and absence of the joint credit-practices item.","Version, status, jurisdiction, and check limits":"Fresh; D. Index last modified June 15, 2026; withdrawal register July 22, 2026. Existing-credit advisory withdrawn May 12, 2025; special-purpose-program advisory withdrawn June 17, 2026. Those withdrawn advisories are not operative support here."},"coordinator_verification_status":"fresh_positive_advisory_withdrawal_dates_only","coordinator_review":{"at":"2026-10-29T08:28:15.255539+00:00","identity":"delegated coordinator /root/review_wv1; not independent","source_check":"[internal evidence reference]","disposition":"fresh_positive_advisory_withdrawal_dates_only","scope":"Relevanttwoentrydatesfresh;wholewithdrawalregister/mainindex/jointitemabsence/publishercurrentstatusnotfreshlyrechecked.","selected_evidence_keys":["CFPB_positive_advisory_withdrawals","CFPB_withdrawal_register_selected_tail"],"all_original_limits_retained":true}},{"source_id":"R003-P1-S026","urls":["https://www.govinfo.gov/content/pkg/FR-2025-05-15/pdf/2025-08645.pdf","https://www.consumerfinance.gov/rules-policy/rules-under-development/prohibited-terms-and-conditions-in-agreements-for-consumer-financial-products-or-services-regulation-aa/","https://www.govinfo.gov/content/pkg/FR-2026-08-14/pdf/2026-16603.pdf","https://www.govinfo.gov/content/pkg/FR-2025-05-15/pdf/2025-08645.pdf?utm_source=chatgpt.com","https://www.consumerfinance.gov/rules-policy/rules-under-development/prohibited-terms-and-conditions-in-agreements-for-consumer-financial-products-or-services-regulation-aa/?utm_source=chatgpt.com","https://www.govinfo.gov/content/pkg/FR-2026-08-14/pdf/2026-16603.pdf?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"R003-P1-S026","Title / issuer and complete literal HTTPS URL(s)":"Proposed Regulation AA status — CFPB. Withdrawal: https://www.govinfo.gov/content/pkg/FR-2025-05-15/pdf/2025-08645.pdf ; older proposal page: https://www.consumerfinance.gov/rules-policy/rules-under-development/prohibited-terms-and-conditions-in-agreements-for-consumer-financial-products-or-services-regulation-aa/ ; 2026 agenda: https://www.govinfo.gov/content/pkg/FR-2026-08-14/pdf/2026-16603.pdf","Exact pinpoint and read extent":"Complete withdrawal item, printed p.20569 / index 0; complete older landing-page body; relevant CFPB priorities statement at printed p.52943 / index 151 of 2026 agenda. Not the entire agenda or proposal.","Version, status, jurisdiction, and check limits":"Fresh; D. Proposal withdrawn May 15, 2025; August 2026 agency statement again identifies that withdrawal. Old proposal landing page is not proof of a final/current obligation."},"coordinator_verification_status":"original_source_attribution_unreopened_with_all_limits","coordinator_review":{"at":"2026-10-29T08:28:15.255539+00:00","identity":"delegated coordinator /root/review_wv1; not independent","source_check":"[internal evidence reference]","disposition":"original_source_attribution_unreopened_with_all_limits","scope":"Originalresearcherrecordretained; nofreshissuerbody/version/publisherstatusacceptance. Allstatedscope/currentness/failure/secondary/pixel/applicationlimitsremain.","selected_evidence_keys":[],"all_original_limits_retained":true}},{"source_id":"R003-P1-S027","urls":["https://www.govinfo.gov/content/pkg/USCOURTS-ca8-13-03065/pdf/USCOURTS-ca8-13-03065-0.pdf","https://www.govinfo.gov/content/pkg/USCOURTS-ca8-13-03065/pdf/USCOURTS-ca8-13-03065-0.pdf?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"R003-P1-S027","Title / issuer and complete literal HTTPS URL(s)":"Hawkins v. Community Bank of Raymore, 761 F.3d 937 — Eighth Circuit published opinion. https://www.govinfo.gov/content/pkg/USCOURTS-ca8-13-03065/pdf/USCOURTS-ca8-13-03065-0.pdf","Exact pinpoint and read extent":"Complete majority body, slip pp.1–8 / indexes 0–7; especially pp.3–6 and 8. Separate concurrence not relied upon as the holding.","Version, status, jurisdiction, and check limits":"Fresh; D. Filed August 5, 2014; Eighth Circuit. Published summary-judgment appellate decision. Later history checked only to S028; no comprehensive later-treatment or current circuit survey."},"coordinator_verification_status":"fresh_complete_material_majority_and_footnotes_checked","coordinator_review":{"at":"2026-10-29T08:28:15.255539+00:00","identity":"delegated coordinator /root/review_wv1; not independent","source_check":"[internal evidence reference]","disposition":"fresh_complete_material_majority_and_footnotes_checked","scope":"Majority0–218plus226–227footnote6tailread;concurrenceexcludedasprecedent. HistoricalChevron/currentcitator/allcircuits/ArticleIII/statecounterclaims/actualremedyheld.","selected_evidence_keys":["Hawkins_majority_early","Hawkins_majority_fill50_80","Hawkins_majority62_104","Hawkins_majority99_122","Hawkins_majority117_162","Hawkins_majority155_180","Hawkins_majority169_209","Hawkins_majority_conclusion_and_fn6_tail"],"all_original_limits_retained":true}},{"source_id":"R003-P1-S028","urls":["https://www.govinfo.gov/content/pkg/USREPORTS-577/pdf/USREPORTS-577-495.pdf","https://www.govinfo.gov/content/pkg/USREPORTS-577/pdf/USREPORTS-577-495.pdf?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"R003-P1-S028","Title / issuer and complete literal HTTPS URL(s)":"Hawkins v. Community Bank of Raymore, 577 U.S. 495 — Supreme Court. https://www.govinfo.gov/content/pkg/USREPORTS-577/pdf/USREPORTS-577-495.pdf","Exact pinpoint and read extent":"Complete published disposition, printed p.495 / index 0.","Version, status, jurisdiction, and check limits":"Fresh; D. March 22, 2016; judgment affirmed by an equally divided Court. No reasoned Supreme Court majority resolving the statutory issue."},"coordinator_verification_status":"fresh_disposition_failed_UnexpectedStatusCode_original_attribution_held","coordinator_review":{"at":"2026-10-29T08:28:15.255539+00:00","identity":"delegated coordinator /root/review_wv1; not independent","source_check":"[internal evidence reference]","disposition":"fresh_disposition_failed_UnexpectedStatusCode_original_attribution_held","scope":"OneexactliteralSCpublishedPDFfailed; originalequaldivisionstatementpreservedattributed/unreopened; nowidebindingmeritsresolutioninferred.","selected_evidence_keys":[],"all_original_limits_retained":true}}],"coverage":[{"topic":"Q1 — ECOA statutory actor, applicant, credit, person","researcher_record":{"Assigned subquestion / significant branch":"Q1 — ECOA statutory actor, applicant, credit, person","Status and reason":"Answered at necessary statutory scope.","Claim / example links":"C001–C006; S001–S002","Exact remaining gap and next bounded permissible investigation":"Actual role/request/purpose facts absent. Next: compare a generic document’s stated roles with the cited definitions."},"raw_table_index":8,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T08:28:15.255539+00:00","identity":"delegated coordinator /root/review_wv1; not independent","coverage_reconciliation":"[internal evidence reference]","row":1,"all_original_missing_evidence_retained":true,"parent_or_publication_acceptance":false}},{"topic":"Q1 — Consumer versus business coverage","researcher_record":{"Assigned subquestion / significant branch":"Q1 — Consumer versus business coverage","Status and reason":"Answered. Both may fall under Regulation B; FTC purpose rule is narrower.","Claim / example links":"C002, C030, C039; H04","Exact remaining gap and next bounded permissible investigation":"Mixed-purpose characterization may need generic terms and applicable published interpretation. No broad classification survey undertaken."},"raw_table_index":8,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T08:28:15.255539+00:00","identity":"delegated coordinator /root/review_wv1; not independent","coverage_reconciliation":"[internal evidence reference]","row":2,"all_original_missing_evidence_retained":true,"parent_or_publication_acceptance":false}},{"topic":"Q1 — Participating creditor, assignee, referral-only actor","researcher_record":{"Assigned subquestion / significant branch":"Q1 — Participating creditor, assignee, referral-only actor","Status and reason":"Answered as a rule; actual participation unresolved.","Claim / example links":"C003","Exact remaining gap and next bounded permissible investigation":"Need role and decision-participation facts; do not infer §7(d) coverage from referral language limited to §4(a)–(b)."},"raw_table_index":8,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T08:28:15.255539+00:00","identity":"delegated coordinator /root/review_wv1; not independent","coverage_reconciliation":"[internal evidence reference]","row":3,"all_original_missing_evidence_retained":true,"parent_or_publication_acceptance":false}},{"topic":"Q1 — Guarantor regulatory inclusion","researcher_record":{"Assigned subquestion / significant branch":"Q1 — Guarantor regulatory inclusion","Status and reason":"Answered. Inclusion is express for §7(d).","Claim / example links":"C005, C031","Exact remaining gap and next bounded permissible investigation":"Does not supply statutory plaintiff/defense status."},"raw_table_index":8,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T08:28:15.255539+00:00","identity":"delegated coordinator /root/review_wv1; not independent","coverage_reconciliation":"[internal evidence reference]","row":4,"all_original_missing_evidence_retained":true,"parent_or_publication_acceptance":false}},{"topic":"Q1 — Statutory guarantor claim/defense and jurisdiction","researcher_record":{"Assigned subquestion / significant branch":"Q1 — Statutory guarantor claim/defense and jurisdiction","Status and reason":"Partial. One complete appellate majority and its Supreme Court disposition read.","Claim / example links":"C015, C065; S027–S028","Exact remaining gap and next bounded permissible investigation":"Current governing forum’s published authority and precise posture remain missing. Next: bounded published-opinion review after a jurisdictional research scope is defined; no docket/status query."},"raw_table_index":8,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T08:28:15.255539+00:00","identity":"delegated coordinator /root/review_wv1; not independent","coverage_reconciliation":"[internal evidence reference]","row":5,"all_original_missing_evidence_retained":true,"parent_or_publication_acceptance":false}},{"topic":"Q1 — Securities exception","researcher_record":{"Assigned subquestion / significant branch":"Q1 — Securities exception","Status and reason":"Answered. Express §7(d) exclusion.","Claim / example links":"C009","Exact remaining gap and next bounded permissible investigation":"Actual statutory securities-credit classification absent; next published-law analysis only if needed for a generic scenario."},"raw_table_index":8,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T08:28:15.255539+00:00","identity":"delegated coordinator /root/review_wv1; not independent","coverage_reconciliation":"[internal evidence reference]","row":6,"all_original_missing_evidence_retained":true,"parent_or_publication_acceptance":false}},{"topic":"Q1 — Incidental-credit exception","researcher_record":{"Assigned subquestion / significant branch":"Q1 — Incidental-credit exception","Status and reason":"Answered. Complete conjunctive definition and signature exception identified.","Claim / example links":"C010; H12","Exact remaining gap and next bounded permissible investigation":"Need transaction terms for each element; no automatic exemption merely from “bill” or “service.”"},"raw_table_index":8,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T08:28:15.255539+00:00","identity":"delegated coordinator /root/review_wv1; not independent","coverage_reconciliation":"[internal evidence reference]","row":7,"all_original_missing_evidence_retained":true,"parent_or_publication_acceptance":false}},{"topic":"Q1 — Government credit","researcher_record":{"Assigned subquestion / significant branch":"Q1 — Government credit","Status and reason":"Answered. To-government versus by-government distinction made.","Claim / example links":"C011","Exact remaining gap and next bounded permissible investigation":"Actual recipient class absent."},"raw_table_index":8,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T08:28:15.255539+00:00","identity":"delegated coordinator /root/review_wv1; not independent","coverage_reconciliation":"[internal evidence reference]","row":8,"all_original_missing_evidence_retained":true,"parent_or_publication_acceptance":false}},{"topic":"Q1 — Utility credit","researcher_record":{"Assigned subquestion / significant branch":"Q1 — Utility credit","Status and reason":"Answered. Listed exception does not eliminate §7(d).","Claim / example links":"C012","Exact remaining gap and next bounded permissible investigation":"Need service and rate-regulation facts; no utility entity lookup."},"raw_table_index":8,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T08:28:15.255539+00:00","identity":"delegated coordinator /root/review_wv1; not independent","coverage_reconciliation":"[internal evidence reference]","row":9,"all_original_missing_evidence_retained":true,"parent_or_publication_acceptance":false}},{"topic":"Q1 — Territory and §1029 dealer boundary","researcher_record":{"Assigned subquestion / significant branch":"Q1 — Territory and §1029 dealer boundary","Status and reason":"Partial. Part-1002 boundary and Act preservation established.","Claim / example links":"C008; S005, S014","Exact remaining gap and next bounded permissible investigation":"Complete counterpart part-202 treatment for an excluded dealer not completed. Next: published counterpart regulation and transfer-rule analysis only."},"raw_table_index":8,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T08:28:15.255539+00:00","identity":"delegated coordinator /root/review_wv1; not independent","coverage_reconciliation":"[internal evidence reference]","row":10,"all_original_missing_evidence_retained":true,"parent_or_publication_acceptance":false}},{"topic":"Q1 — Currentness/effective/later history","researcher_record":{"Assigned subquestion / significant branch":"Q1 — Currentness/effective/later history","Status and reason":"Partial, expressly bounded. Current agency text and relevant final rules read.","Claim / example links":"C037, C058–C064","Exact remaining gap and next bounded permissible investigation":"No complete session-law lag audit, official annual-CFR audit, or universe of judicial orders. Next: targeted published amendments/opinions, without case-record searches."},"raw_table_index":8,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T08:28:15.255539+00:00","identity":"delegated coordinator /root/review_wv1; not independent","coverage_reconciliation":"[internal evidence reference]","row":11,"all_original_missing_evidence_retained":true,"parent_or_publication_acceptance":false}},{"topic":"Q2 — Individually qualified applicant; Q6(a)","researcher_record":{"Assigned subquestion / significant branch":"Q2 — Individually qualified applicant; Q6(a)","Status and reason":"Answered with exceptions visible.","Claim / example links":"C016; H01","Exact remaining gap and next bounded permissible investigation":"Actual qualification not assessed; contract consequence/remedy remains separate."},"raw_table_index":8,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T08:28:15.255539+00:00","identity":"delegated coordinator /root/review_wv1; not independent","coverage_reconciliation":"[internal evidence reference]","row":12,"all_original_missing_evidence_retained":true,"parent_or_publication_acceptance":false}},{"topic":"Q2 — Genuine joint application; Q6(b)","researcher_record":{"Assigned subquestion / significant branch":"Q2 — Genuine joint application; Q6(b)","Status and reason":"Answered. Contemporaneous intent and separate evidence requirements covered.","Claim / example links":"C017–C018; H02","Exact remaining gap and next bounded permissible investigation":"Need application-stage evidence, not just a later note or financial statement."},"raw_table_index":8,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T08:28:15.255539+00:00","identity":"delegated coordinator /root/review_wv1; not independent","coverage_reconciliation":"[internal evidence reference]","row":13,"all_original_missing_evidence_retained":true,"parent_or_publication_acceptance":false}},{"topic":"Q2 — Unsecured joint property: valuation","researcher_record":{"Assigned subquestion / significant branch":"Q2 — Unsecured joint property: valuation","Status and reason":"Answered. Existing-interest valuation and speculative-change prohibition covered.","Claim / example links":"C019–C020; H10","Exact remaining gap and next bounded permissible investigation":"State attachment/partition rules and value/cost facts missing. Next: state published law for a specified generic ownership form."},"raw_table_index":8,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T08:28:15.255539+00:00","identity":"delegated coordinator /root/review_wv1; not independent","coverage_reconciliation":"[internal evidence reference]","row":14,"all_original_missing_evidence_retained":true,"parent_or_publication_acceptance":false}},{"topic":"Q2 — Unsecured joint property: instruments/options","researcher_record":{"Assigned subquestion / significant branch":"Q2 — Unsecured joint property: instruments/options","Status and reason":"Answered. Necessity, death/default access, alternatives, and forfeiture limit covered.","Claim / example links":"C021–C022; H10","Exact remaining gap and next bounded permissible investigation":"Exact instrument and state-law necessity missing."},"raw_table_index":8,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T08:28:15.255539+00:00","identity":"delegated coordinator /root/review_wv1; not independent","coverage_reconciliation":"[internal evidence reference]","row":15,"all_original_missing_evidence_retained":true,"parent_or_publication_acceptance":false}},{"topic":"Q2 — Community property; Q6(e)","researcher_record":{"Assigned subquestion / significant branch":"Q2 — Community property; Q6(e)","Status and reason":"Answered rule; application unresolved. Both required financial/property conditions stated.","Claim / example links":"C023; H05","Exact remaining gap and next bounded permissible investigation":"State management/control, separate/community characterization, and sufficiency facts missing."},"raw_table_index":8,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T08:28:15.255539+00:00","identity":"delegated coordinator /root/review_wv1; not independent","coverage_reconciliation":"[internal evidence reference]","row":16,"all_original_missing_evidence_retained":true,"parent_or_publication_acceptance":false}},{"topic":"Q2 — Secured collateral-only signature; Q6(c)","researcher_record":{"Assigned subquestion / significant branch":"Q2 — Secured collateral-only signature; Q6(c)","Status and reason":"Answered. Security access distinguished from personal promise.","Claim / example links":"C024–C025; H03","Exact remaining gap and next bounded permissible investigation":"State lien-creation requirements and full instrument missing; perfection/priority/remedies excluded."},"raw_table_index":8,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T08:28:15.255539+00:00","identity":"delegated coordinator /root/review_wv1; not independent","coverage_reconciliation":"[internal evidence reference]","row":17,"all_original_missing_evidence_retained":true,"parent_or_publication_acceptance":false}},{"topic":"Q2 — Integrated note/security document","researcher_record":{"Assigned subquestion / significant branch":"Q2 — Integrated note/security document","Status and reason":"Answered. Clear limitation requirement and example of nearby legend covered.","Claim / example links":"C026; H03","Exact remaining gap and next bounded permissible investigation":"Need the whole document; no unseen signature block or legend treated as inspected."},"raw_table_index":8,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T08:28:15.255539+00:00","identity":"delegated coordinator /root/review_wv1; not independent","coverage_reconciliation":"[internal evidence reference]","row":18,"all_original_missing_evidence_retained":true,"parent_or_publication_acceptance":false}},{"topic":"Q2 — Additional personal party and spouse choice","researcher_record":{"Assigned subquestion / significant branch":"Q2 — Additional personal party and spouse choice","Status and reason":"Answered. Necessity does not authorize a spouse-only condition.","Claim / example links":"C027–C028; H01","Exact remaining gap and next bounded permissible investigation":"Actual standards, reason, and eligibility restrictions missing."},"raw_table_index":8,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T08:28:15.255539+00:00","identity":"delegated coordinator /root/review_wv1; not independent","coverage_reconciliation":"[internal evidence reference]","row":19,"all_original_missing_evidence_retained":true,"parent_or_publication_acceptance":false}},{"topic":"Q2 — Other person’s/spouse’s income","researcher_record":{"Assigned subquestion / significant branch":"Q2 — Other person’s/spouse’s income","Status and reason":"Answered. Separate-income and future-earnings conditions covered.","Claim / example links":"C029; H11","Exact remaining gap and next bounded permissible investigation":"Actual reliance and state income characterization missing."},"raw_table_index":8,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T08:28:15.255539+00:00","identity":"delegated coordinator /root/review_wv1; not independent","coverage_reconciliation":"[internal evidence reference]","row":20,"all_original_missing_evidence_retained":true,"parent_or_publication_acceptance":false}},{"topic":"Q2 — Business role and guarantor’s spouse; Q6(d)","researcher_record":{"Assigned subquestion / significant branch":"Q2 — Business role and guarantor’s spouse; Q6(d)","Status and reason":"Answered. Qualified-business exception and spouse protection both covered.","Claim / example links":"C030–C031; H04","Exact remaining gap and next bounded permissible investigation":"Role, financial circumstances, guarantee terms, and state law missing."},"raw_table_index":8,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T08:28:15.255539+00:00","identity":"delegated coordinator /root/review_wv1; not independent","coverage_reconciliation":"[internal evidence reference]","row":21,"all_original_missing_evidence_retained":true,"parent_or_publication_acceptance":false}},{"topic":"Q2 — Renewals, extensions, release","researcher_record":{"Assigned subquestion / significant branch":"Q2 — Renewals, extensions, release","Status and reason":"Answered at definition and conditional-comment scope.","Claim / example links":"C007, C032; H09","Exact remaining gap and next bounded permissible investigation":"Reevaluation, continuing justification, and effect on existing obligations missing. General release/novation law excluded."},"raw_table_index":8,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T08:28:15.255539+00:00","identity":"delegated coordinator /root/review_wv1; not independent","coverage_reconciliation":"[internal evidence reference]","row":22,"all_original_missing_evidence_retained":true,"parent_or_publication_acceptance":false}},{"topic":"Q2 — Existing open-end account changes","researcher_record":{"Assigned subquestion / significant branch":"Q2 — Existing open-end account changes","Status and reason":"Answered only as material to signature/reapplication issues.","Claim / example links":"C033","Exact remaining gap and next bounded permissible investigation":"Supporting-income facts and existing terms missing; no general adverse-action survey."},"raw_table_index":8,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T08:28:15.255539+00:00","identity":"delegated coordinator /root/review_wv1; not independent","coverage_reconciliation":"[internal evidence reference]","row":23,"all_original_missing_evidence_retained":true,"parent_or_publication_acceptance":false}},{"topic":"Q2/Q5 — Authorized-user and overdraft distinctions","researcher_record":{"Assigned subquestion / significant branch":"Q2/Q5 — Authorized-user and overdraft distinctions","Status and reason":"Answered. Permissible required undertaking separated from actual agreement.","Claim / example links":"C006, C034; H15","Exact remaining gap and next bounded permissible investigation":"Express contractual undertaking and other possible legal bases unproved."},"raw_table_index":8,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T08:28:15.255539+00:00","identity":"delegated coordinator /root/review_wv1; not independent","coverage_reconciliation":"[internal evidence reference]","row":24,"all_original_missing_evidence_retained":true,"parent_or_publication_acceptance":false}},{"topic":"Q2 — Special-purpose-program exception","researcher_record":{"Assigned subquestion / significant branch":"Q2 — Special-purpose-program exception","Status and reason":"Answered rule; actual program unresolved. Current prerequisites and law-required signature condition covered.","Claim / example links":"C035–C037; H13","Exact remaining gap and next bounded permissible investigation":"Specific program law, date/version, and compliant generic materials missing; actual eligibility excluded."},"raw_table_index":8,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T08:28:15.255539+00:00","identity":"delegated coordinator /root/review_wv1; not independent","coverage_reconciliation":"[internal evidence reference]","row":25,"all_original_missing_evidence_retained":true,"parent_or_publication_acceptance":false}},{"topic":"Q3 — FTC creditor/debt/consumer/commerce coverage","researcher_record":{"Assigned subquestion / significant branch":"Q3 — FTC creditor/debt/consumer/commerce coverage","Status and reason":"Answered at rule-definition level.","Claim / example links":"C039–C040","Exact remaining gap and next bounded permissible investigation":"Actual institutional and transaction facts absent; statutory cross-reference classification not performed for any entity."},"raw_table_index":8,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T08:28:15.255539+00:00","identity":"delegated coordinator /root/review_wv1; not independent","coverage_reconciliation":"[internal evidence reference]","row":26,"all_original_missing_evidence_retained":true,"parent_or_publication_acceptance":false}},{"topic":"Q3 — Real-estate-purchase scope","researcher_record":{"Assigned subquestion / significant branch":"Q3 — Real-estate-purchase scope","Status and reason":"Answered as published FTC interpretation, not invented rule wording.","Claim / example links":"C041","Exact remaining gap and next bounded permissible investigation":"Boundary cases such as mixed-purpose/refinancing structures not comprehensively researched. Next: targeted official published interpretation for a defined generic structure."},"raw_table_index":8,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T08:28:15.255539+00:00","identity":"delegated coordinator /root/review_wv1; not independent","coverage_reconciliation":"[internal evidence reference]","row":27,"all_original_missing_evidence_retained":true,"parent_or_publication_acceptance":false}},{"topic":"Q3 — Cosigner versus co-borrower; Q6(f)","researcher_record":{"Assigned subquestion / significant branch":"Q3 — Cosigner versus co-borrower; Q6(f)","Status and reason":"Answered. Natural-person, another’s obligation, compensation, benefit, and label conditions covered.","Claim / example links":"C042–C044; H06","Exact remaining gap and next bounded permissible investigation":"Actual benefit allocation and obligation terms missing."},"raw_table_index":8,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T08:28:15.255539+00:00","identity":"delegated coordinator /root/review_wv1; not independent","coverage_reconciliation":"[internal evidence reference]","row":28,"all_original_missing_evidence_retained":true,"parent_or_publication_acceptance":false}},{"topic":"Q3 — Defaulted obligation/forbearance","researcher_record":{"Assigned subquestion / significant branch":"Q3 — Defaulted obligation/forbearance","Status and reason":"Answered. Express definitional branch included.","Claim / example links":"C042, C046; H14","Exact remaining gap and next bounded permissible investigation":"New undertaking’s formation and prior delivery evidence missing."},"raw_table_index":8,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T08:28:15.255539+00:00","identity":"delegated coordinator /root/review_wv1; not independent","coverage_reconciliation":"[internal evidence reference]","row":29,"all_original_missing_evidence_retained":true,"parent_or_publication_acceptance":false}},{"topic":"Q3 — Complete required notice content","researcher_record":{"Assigned subquestion / significant branch":"Q3 — Complete required notice content","Status and reason":"Answered. All four paragraphs and heading accounted for.","Claim / example links":"C048–C051; S015","Exact remaining gap and next bounded permissible investigation":"Paraphrase is not a substitute compliance form; actual notice version not reviewed."},"raw_table_index":8,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T08:28:15.255539+00:00","identity":"delegated coordinator /root/review_wv1; not independent","coverage_reconciliation":"[internal evidence reference]","row":30,"all_original_missing_evidence_retained":true,"parent_or_publication_acceptance":false}},{"topic":"Q3 — Timing and open-end trigger","researcher_record":{"Assigned subquestion / significant branch":"Q3 — Timing and open-end trigger","Status and reason":"Answered. Before obligation; future-charge agreement execution for open-end credit.","Claim / example links":"C046; H07","Exact remaining gap and next bounded permissible investigation":"Actual chronology unproved. No invented advance-day rule or expiry period."},"raw_table_index":8,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T08:28:15.255539+00:00","identity":"delegated coordinator /root/review_wv1; not independent","coverage_reconciliation":"[internal evidence reference]","row":31,"all_original_missing_evidence_retained":true,"parent_or_publication_acceptance":false}},{"topic":"Q3 — Format, packet placement, language","researcher_record":{"Assigned subquestion / significant branch":"Q3 — Format, packet placement, language","Status and reason":"Answered with authority levels separated. Rule versus staff implementation guidance distinguished.","Claim / example links":"C047, C052","Exact remaining gap and next bounded permissible investigation":"Complete generic packet, additions, and applicable state-language rules absent. Electronic-delivery law excluded."},"raw_table_index":8,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T08:28:15.255539+00:00","identity":"delegated coordinator /root/review_wv1; not independent","coverage_reconciliation":"[internal evidence reference]","row":32,"all_original_missing_evidence_retained":true,"parent_or_publication_acceptance":false}},{"topic":"Q3 — Collection sequence and rights","researcher_record":{"Assigned subquestion / significant branch":"Q3 — Collection sequence and rights","Status and reason":"Answered as warning and limitation. No universal collection-first priority inferred.","Claim / example links":"C050, C052","Exact remaining gap and next bounded permissible investigation":"State sequence, contract waivers, judicial procedures, exemptions, and actual remedies remain missing."},"raw_table_index":8,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T08:28:15.255539+00:00","identity":"delegated coordinator /root/review_wv1; not independent","coverage_reconciliation":"[internal evidence reference]","row":33,"all_original_missing_evidence_retained":true,"parent_or_publication_acceptance":false}},{"topic":"Q3 — Records, copies, acknowledgment","researcher_record":{"Assigned subquestion / significant branch":"Q3 — Records, copies, acknowledgment","Status and reason":"Answered within part 444 and the official materials read.","Claim / example links":"C051, C053–C054","Exact remaining gap and next bounded permissible investigation":"Other retention/copy statutes and actual delivery evidence unreviewed; absence of a file copy is not decisive."},"raw_table_index":8,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T08:28:15.255539+00:00","identity":"delegated coordinator /root/review_wv1; not independent","coverage_reconciliation":"[internal evidence reference]","row":34,"all_original_missing_evidence_retained":true,"parent_or_publication_acceptance":false}},{"topic":"Q3 — Missing/late notice; Q6(g)","researcher_record":{"Assigned subquestion / significant branch":"Q3 — Missing/late notice; Q6(g)","Status and reason":"Answered at compliance level; remedy unresolved.","Claim / example links":"C057; H07","Exact remaining gap and next bounded permissible investigation":"Need formation timing, delivery proof, governing remedies law, and forum. No automatic release or private cause inferred."},"raw_table_index":8,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T08:28:15.255539+00:00","identity":"delegated coordinator /root/review_wv1; not independent","coverage_reconciliation":"[internal evidence reference]","row":35,"all_original_missing_evidence_retained":true,"parent_or_publication_acceptance":false}},{"topic":"Q3 — FTC state/person exemptions","researcher_record":{"Assigned subquestion / significant branch":"Q3 — FTC state/person exemptions","Status and reason":"Partial. Complete mechanisms read; specific current determinations not verified.","Claim / example links":"C055–C056","Exact remaining gap and next bounded permissible investigation":"A historical California exemption reference surfaced, but operative/current determination was not read. Next: the published FTC determination and any published amendment/revocation, without state-wide liability surveying."},"raw_table_index":8,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T08:28:15.255539+00:00","identity":"delegated coordinator /root/review_wv1; not independent","coverage_reconciliation":"[internal evidence reference]","row":36,"all_original_missing_evidence_retained":true,"parent_or_publication_acceptance":false}},{"topic":"Q4 — Bank/CU/nonbank distinction; Q6(h)","researcher_record":{"Assigned subquestion / significant branch":"Q4 — Bank/CU/nonbank distinction; Q6(h)","Status and reason":"Answered framework; actual coverage unresolved.","Claim / example links":"C040, C058–C064; H08","Exact remaining gap and next bounded permissible investigation":"Exact statutory actor class absent; no roster used."},"raw_table_index":8,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T08:28:15.255539+00:00","identity":"delegated coordinator /root/review_wv1; not independent","coverage_reconciliation":"[internal evidence reference]","row":37,"all_original_missing_evidence_retained":true,"parent_or_publication_acceptance":false}},{"topic":"Q4 — Federal Reserve and NCUA repeals","researcher_record":{"Assigned subquestion / significant branch":"Q4 — Federal Reserve and NCUA repeals","Status and reason":"Answered. Actual final-rule bodies/instructions and dates read.","Claim / example links":"C058–C059","Exact remaining gap and next bounded permissible investigation":"No actual pre-repeal transaction adjudicated; other laws remain separate."},"raw_table_index":8,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T08:28:15.255539+00:00","identity":"delegated coordinator /root/review_wv1; not independent","coverage_reconciliation":"[internal evidence reference]","row":38,"all_original_missing_evidence_retained":true,"parent_or_publication_acceptance":false}},{"topic":"Q4 — OTS/OCC history","researcher_record":{"Assigned subquestion / significant branch":"Q4 — OTS/OCC history","Status and reason":"Partial historical reconstruction. Joint explanation and actual integration/removal documents consulted.","Claim / example links":"C060","Exact remaining gap and next bounded permissible investigation":"Full 2011 republication comparison and any correction to the later printed effective date not verified. Next: published correction/republication text only if that historical date matters."},"raw_table_index":8,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T08:28:15.255539+00:00","identity":"delegated coordinator /root/review_wv1; not independent","coverage_reconciliation":"[internal evidence reference]","row":39,"all_original_missing_evidence_retained":true,"parent_or_publication_acceptance":false}},{"topic":"Q4 — 2014 guidance current status","researcher_record":{"Assigned subquestion / significant branch":"Q4 — 2014 guidance current status","Status and reason":"Partial across publishers. CFPB/NCUA status verified; Fed/OCC pages checked; FDIC blocked.","Claim / example links":"C062–C063","Exact remaining gap and next bounded permissible investigation":"FDIC publisher status not established. Next: an accessible official publication or withdrawal notice; no access workaround."},"raw_table_index":8,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T08:28:15.255539+00:00","identity":"delegated coordinator /root/review_wv1; not independent","coverage_reconciliation":"[internal evidence reference]","row":40,"all_original_missing_evidence_retained":true,"parent_or_publication_acceptance":false}},{"topic":"Q4 — Statutory authority versus new notice duty","researcher_record":{"Assigned subquestion / significant branch":"Q4 — Statutory authority versus new notice duty","Status and reason":"Answered at bounded level. Repeal, statutes, and guidance separated.","Claim / example links":"C061, C063","Exact remaining gap and next bounded permissible investigation":"A particular conduct-based UDAAP determination requires its statutory elements and facts; none made."},"raw_table_index":8,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T08:28:15.255539+00:00","identity":"delegated coordinator /root/review_wv1; not independent","coverage_reconciliation":"[internal evidence reference]","row":41,"all_original_missing_evidence_retained":true,"parent_or_publication_acceptance":false}},{"topic":"Q4 — Proposed replacement","researcher_record":{"Assigned subquestion / significant branch":"Q4 — Proposed replacement","Status and reason":"Answered for the identified proposal. Actual withdrawal and later agency acknowledgment read.","Claim / example links":"C064","Exact remaining gap and next bounded permissible investigation":"No assertion that an old proposal page is current law; no exhaustive inventory of every possible product-specific duty."},"raw_table_index":8,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T08:28:15.255539+00:00","identity":"delegated coordinator /root/review_wv1; not independent","coverage_reconciliation":"[internal evidence reference]","row":42,"all_original_missing_evidence_retained":true,"parent_or_publication_acceptance":false}},{"topic":"Q5 — Blank liability/signature audit","researcher_record":{"Assigned subquestion / significant branch":"Q5 — Blank liability/signature audit","Status and reason":"Answered. W01–W28 provided, with blank findings.","Claim / example links":"C038, C066; worksheet","Exact remaining gap and next bounded permissible investigation":"Actual formation, authority, signatures, state-law effects, and remedies deliberately unresolved."},"raw_table_index":8,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T08:28:15.255539+00:00","identity":"delegated coordinator /root/review_wv1; not independent","coverage_reconciliation":"[internal evidence reference]","row":43,"all_original_missing_evidence_retained":true,"parent_or_publication_acceptance":false}},{"topic":"Q6 — All eight required branches and additional failures","researcher_record":{"Assigned subquestion / significant branch":"Q6 — All eight required branches and additional failures","Status and reason":"Answered. H01–H08 map directly to (a)–(h); H09–H15 cover additional material branches.","Claim / example links":"H01–H15","Exact remaining gap and next bounded permissible investigation":"Hypotheses are assumptions for analysis, not records, actual qualification findings, or real liability decisions."},"raw_table_index":8,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T08:28:15.255539+00:00","identity":"delegated coordinator /root/review_wv1; not independent","coverage_reconciliation":"[internal evidence reference]","row":44,"all_original_missing_evidence_retained":true,"parent_or_publication_acceptance":false}},{"topic":"General debt/TILA/FDCPA gateways; comprehensive state/remedy/litigation surveys","researcher_record":{"Assigned subquestion / significant branch":"General debt/TILA/FDCPA gateways; comprehensive state/remedy/litigation surveys","Status and reason":"Excluded by assignment.","Claim / example links":"Parent holds below","Exact remaining gap and next bounded permissible investigation":"No prior report assumed to have completed these dimensions."},"raw_table_index":8,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T08:28:15.255539+00:00","identity":"delegated coordinator /root/review_wv1; not independent","coverage_reconciliation":"[internal evidence reference]","row":45,"all_original_missing_evidence_retained":true,"parent_or_publication_acceptance":false}}],"annotations":{},"corrections":[],"resolved_corrections":[],"review_history":[{"id":"R003-P1-SCOPED","status":"reviewed_scoped_partial_with_holds","at":null},{"id":"R003-P1-V001","status":"validation_only_not_established_error","at":null},{"id":"R003-P1-V002","status":"validation_only_not_established_error","at":null},{"id":"R003-P1-V003","status":"validation_only_not_established_error","at":null},{"id":"R003-P1-V004","status":"validation_only_not_established_error","at":null}]}