{"meta":{"key":"r004--pass-02","task":"R004","title":"Appendix J legal-method investigation","parent_title":"Interest fees and debt mathematics","edition":"pass-02","path":"/research/r004--pass-02/","kind":"split_pass","category":"subject","role":"primary_area","area_numbers":[4],"groups":["foundations"],"date":"2026-10-27","tables":15,"claims":31,"sources":10,"review_status":"accepted_with_limits","review_complete":true,"sha256":"ae40b8d22ab9f50275457fbfcd58423105623da4c063aa5141755c9418b55c64","headings":["1. What was recovered—and what remains missing","2. Recovered symbols and equations","2.1 Transcription status and notation","Symbols in (b)(7)","2.2 General equation, (b)(8)","2.3 Regular single-advance form, (c)(1)","2.4 Odd-final-payment form, (c)(3)","Relevant official examples actually read","3. Iteration instructions: recovered procedure and transcription defect","3.1 Readable update equation","3.2 What the retrieved example actually supplied","4. Current timing and applicability predicates","Actuarial method versus United States Rule","5. E05 mapping and retained results","5.1 Conditional symbol mapping","5.2 Stepwise equation reduction","5.3 Classification inputs remain conditional","5.4 Reviewed numerical roots—not relabeled","6. Precision and accuracy allowances","7. Currentness and the Part 226–Part 1026 connection","8. Source table — R004-P2-S001 onward","Printed-page cross-reference limits","9. Atomic claim table — A004","10. Granular coverage table","11. Bounded read/failure log","12. Self-check, precise next action, and preserved parent limits","Self-check","Precise next public-source action","Remaining parent dimensions"],"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":"R004/pass-02","facets":{"geography":["us"],"debt_type":[],"stage":[],"subject":[]},"scope":"Only reviewed remaining AppendixJ legal-method recovery and conditional E05evaluation; no whole P01 rerun","pending_corrections":0},"markdown":"# SettleADebt R004 PASS-02 — Appendix J legal-method investigation\n\n**Result: partial recovery; the current legal APR hold remains.**\n\nThis pass recovered an **official Federal Reserve rendering with readable mathematical text** for Appendix J’s symbols, general equation, iteration procedure, regular-payment form, and odd-final-payment form. Those equations permit a precise algebraic mapping to the reviewed E05 cash flows.\n\nThe recovered rendering, however, references **§226.22**, does not establish its own edition or effective date, and contains apparent truncation in two iteration-result figures. The current Part 1026 equation assets still returned unreadable placeholders. The targeted recodification sources establish the relationship between the Board’s Regulation Z and the Bureau’s Regulation Z, but do not finish the comparison of the recovered equations against the current operative panels. **The reviewed numerical results therefore remain numerical finance-math results; they are not relabeled as legal APRs.** [federalreserve.gov+3](https://www.federalreserve.gov/frrs/regulations/appendix-j-annual-percentage-rate-computations-for-closed-end-credit-transactions-reg-z.htm?utm_source=chatgpt.com)\n\n**Actual source-check date:** October 27, 2026, America/Los_Angeles. Observed session clock readings: **13:46:55–13:53:02 PDT**, corresponding to 20:46:55–20:53:02 UTC.\n\n**Foundation preserved:** The coordinator’s supplied review at **2026-10-27T20:31:51.105871Z** is treated as the stated same-coordinator separate review—not independent review. P01’s six models, cash totals, numerical roots, raw history, and model-provenance limits remain unchanged. E01–E04 and E06 were not rerun, and no new amortization schedules were generated.\n\nNo assertion is made that the researcher verified unseen UI model family or power. No files, subagents, other chats, APIs, account or entity searches, contacts, filings, or security workarounds were used.\n\n**Reference convention:** S001 below means R004-P2-S001; C001 means R004-P2-C001. All claim-register entries belong to **A004**.\n\n## 1. What was recovered—and what remains missing\n\n| Component | Newly established in P02 | Remaining limitation |\n| --- | --- | --- |\n| Current Appendix J prose | Freshly read the current CFPB page’s introduction, instructions in (b)(1)–(6), readable iteration instructions, and official interpretation. The current eCFR response independently exposed the introduction through (b)(6). | Neither response exposed the complete current equation panels as readable content. |\n| Symbols, (b)(7) | Readable definitions recovered from the Federal Reserve Regulatory Service, including the distinction between a rate and a count of periods. | The rendering uses §226 numbering; equivalence to each current Part 1026 symbol panel was not fully verified. |\n| General equation, (b)(8) | Readable mathematical markup recovered and transcribed below. | Current Part 1026 image remained unreadable. |\n| Iteration, (b)(9) | The update equation, initial evaluation points, first interpolated result, repetition instructions, and precision instruction were readable. | Two later result lines were truncated in the retrieved text. They are not silently repaired below. |\n| Regular form/example, (c)(1) | Formula and complete relevant monthly example recovered as text. | Current Part 1026 panel not visually or textually compared in full. |\n| Odd-final-payment form/example, (c)(3) | Formula and complete relevant monthly example recovered as text. | Same current-version comparison gap. |\n| E05 mapping | The recovered odd-final-payment expression reduces algebraically to the reviewed cash-flow equation under specified timing and classification assumptions. | Algebraic equivalence does not establish current-version identity or transaction-specific applicability. |\n| Legal APR result | No new legally labeled E05 result issued. | **Held** for all three branches: no fee, included fee, and excluded fee. |\n\nThe new recovery is more than a title or search snippet: the Federal Reserve page’s body supplied literal mathematical markup. **That is a textual equation read, not an inspection of image or PDF pixels.** The separate current-image and PDF-screenshot attempts supplied only placeholders. [federalreserve.gov+3](https://www.federalreserve.gov/frrs/regulations/appendix-j-annual-percentage-rate-computations-for-closed-end-credit-transactions-reg-z.htm?utm_source=chatgpt.com)\n\n## 2. Recovered symbols and equations\n\n### 2.1 Transcription status and notation\n\nThe following transcriptions come from **S003, the Federal Reserve rendering referencing Part 226**. They are not represented as a completed read of the current Part 1026 equation images.\n\nMultiplication is written as *, powers as ^, and subscripts with underscores. For readability, a_due(x,i) represents the source’s annuity-due symbol: the present-value sum beginning with an immediate unit payment. This is an explicit plain-text normalization, not a new official symbol.\n\n### Symbols in (b)(7)\n\n| Source symbol | Plain-text meaning and units |\n| --- | --- |\n| A_k | Advance k, dollars |\n| q_k | Whole unit periods from term beginning to advance k |\n| e_k | Remaining fractional unit period to advance k |\n| m | Number of advances |\n| P_j | Payment j, dollars |\n| t_j | Whole unit periods from term beginning to payment j |\n| f_j | Remaining fractional unit period to payment j |\n| n | Number of payments |\n| i | Decimal rate per unit period |\n| w | Unit periods per year |\n| I | Nominal annual percentage rate, in percentage-number units |\n| a_due(x,i) | 1 + 1/(1+i) + ... + 1/(1+i)^(x-1) |\n\nThe source’s annualization is:\n\nPlain text\n```\nI = 100 * w * i\n```\n\n**Notation collision:** P01 called its numerical monthly rate q. Appendix J’s q_k instead counts whole periods before an advance. In the mapping below:\n\nPlain text\n```\ni = P01's numerical monthly rate q\nq_1 = 0 whole periods\n```\n\nConfusing those two uses of q would corrupt the equation. [federalreserve.gov](https://www.federalreserve.gov/frrs/regulations/appendix-j-annual-percentage-rate-computations-for-closed-end-credit-transactions-reg-z.htm?utm_source=chatgpt.com)\n\n### 2.2 General equation, (b)(8)\n\nThe recovered expression is:\n\nPlain text\n```\nsum over k=1..m:\n    A_k / [(1 + e_k*i) * (1+i)^q_k]\n\n=\n\nsum over j=1..n:\n    P_j / [(1 + f_j*i) * (1+i)^t_j]\n```\n\nTwo operator details matter:\n\n- Whole periods use the exponential factor (1+i)^q_k or (1+i)^t_j.\n- Fractional periods use the linear factor 1 + e_k*i or 1 + f_j*i.\n\nThe latter is not the same expression as (1+i)^e_k or (1+i)^f_j. For E05’s stipulated zero fractions, the fractional factors equal one. That eliminates this particular difference in E05; it does not establish a general irregular-date IRR method. The current readable instruction in (b)(6) also specifies proportional treatment for a fractional unit period. [federalreserve.gov+1](https://www.federalreserve.gov/frrs/regulations/appendix-j-annual-percentage-rate-computations-for-closed-end-credit-transactions-reg-z.htm?utm_source=chatgpt.com)\n\n### 2.3 Regular single-advance form, (c)(1)\n\nThe recovered form is:\n\nPlain text\n```\nA = [P * a_due(n,i)] / [(1 + f*i) * (1+i)^t]\n```\n\nHere, the relevant example uses t and f for the whole and fractional unit periods before the first payment.\n\nFor an ordinary first payment one full unit period after the advance:\n\nPlain text\n```\nt = 1\nf = 0\n\nA = P * a_due(n,i) / (1+i)\n```\n\nBecause the annuity-due sum starts at exponent zero, division by (1+i) moves its payments to periods 1 through n.\n\n### 2.4 Odd-final-payment form, (c)(3)\n\nThe recovered form is:\n\nPlain text\n```\nA = [P * a_due(n-1,i) + P_n/(1+i)^(n-1)]\n    / [(1 + f*i) * (1+i)^t]\n```\n\nThe first bracketed component represents n-1 ordinary payments. The second represents the distinct final payment. This is the relevant candidate form for E05’s eleven payments of $888.49 followed by $888.47. [federalreserve.gov+1](https://www.federalreserve.gov/frrs/regulations/appendix-j-annual-percentage-rate-computations-for-closed-end-credit-transactions-reg-z.htm?utm_source=chatgpt.com)\n\n### Relevant official examples actually read\n\nThese are the examples **as reported by the recovered Federal Reserve rendering**, not newly calculated current-law examples.\n\n| Location | Advance and payments | Timing stated in source | Reported APR |\n| --- | --- | --- | --- |\n| (c)(1), example (i) | A=5000; P=230; n=24 | Advance January 10, 1978; first payment February 10, 1978; monthly; w=12, t=1, f=0 | **9.69%** |\n| (c)(3), example (i) | A=5000; ordinary P=230; final P_n=280; n=24 | Same stated advance/first-payment dates; monthly; w=12, t=1, f=0 | **10.50%** |\n\nThe 1978 dates are **example inputs**, not the rendering’s publication, adoption, or currentness dates. [federalreserve.gov+1](https://www.federalreserve.gov/frrs/regulations/appendix-j-annual-percentage-rate-computations-for-closed-end-credit-transactions-reg-z.htm?utm_source=chatgpt.com)\n\n## 3. Iteration instructions: recovered procedure and transcription defect\n\n### 3.1 Readable update equation\n\nThe source’s (b)(9) example concerns a $1,000 advance repaid by 36 monthly payments of $33.61:\n\nPlain text\n```\nA(i) = 33.61 * a_due(36,i) / (1+i)\n```\n\nIts update procedure uses annual percentage-number estimates:\n\nPlain text\n```\ni_1 = I_1 / (100*w)\nA_prime = A(i_1)\n\nI_2 = I_1 + 0.1\ni_2 = I_2 / (100*w)\nA_double_prime = A(i_2)\n\nI_new = I_1\n        + 0.1 * (A_target - A_prime)\n                / (A_double_prime - A_prime)\n```\n\nThen set I_1 = I_new and repeat.\n\nThe increment 0.1 is **0.1 annual percentage point** in this notation. It is not a 0.1 monthly decimal rate. The numerator and denominator signs must remain as written; the formula does not call for absolute values.\n\n### 3.2 What the retrieved example actually supplied\n\n| Stage | Readable content | Evidence status |\n| --- | --- | --- |\n| Initial annual estimate | I_1 = 12.50% | Readable |\n| First rate conversion | i = 0.010416667 | Readable displayed precision |\n| First evaluated advance | A_prime = 1004.674391 | Readable |\n| Second annual estimate | I_2 = 12.60% | Readable |\n| Second rate conversion | i = 0.010500000 | Readable |\n| Second evaluated advance | A_double_prime = 1003.235366 | Readable |\n| First update | I_new = 12.82483042% | Readable |\n| Later iteration output | Retrieved as .82557859%; the following input line separately states 12.82557859% | Apparent truncation in one output line |\n| Next iteration output | Retrieved as .82557529% | Apparent truncation; missing prefix not silently supplied |\n| Source’s stated rounded conclusion | 12.83% | Readable, also present in current CFPB prose |\n| Precision instruction | Carry available decimals and iterate enough to make the two-decimal rounded result reliably correct | Readable in both recovered and current prose |\n\nThe text also contained stray formatting characters around some numbers. Without an inspectable equation image, I cannot determine whether those defects originate in the page or its extraction. I have not represented inferred repairs as an official transcription. [federalreserve.gov+2](https://www.federalreserve.gov/frrs/regulations/appendix-j-annual-percentage-rate-computations-for-closed-end-credit-transactions-reg-z.htm?utm_source=chatgpt.com)\n\nThis pass therefore establishes the readable update expression and its units, but **does not claim a clean, complete transcription of every printed intermediate figure**.\n\nP01’s bisection results are preserved as reviewed numerical results. No rerun of those roots was needed to demonstrate the algebraic mapping below.\n\n## 4. Current timing and applicability predicates\n\nThe following current prose was freshly read. These instructions govern the proposed mapping; they are not a substitute for the missing current equation comparison.\n\n| Predicate | Current readable instruction | E05 treatment |\n| --- | --- | --- |\n| Beginning of term | Appendix J(b)(2) starts with consummation, subject to its later-finance-charge-earning provision. | t=0 must be stipulated to coincide with that legally relevant beginning. An advance labeled “t=0” alone does not prove this. |\n| End of term | Last payment due, except for a later scheduled advance. | Candidate end is model month 12; E05 specifies no later advance. |\n| Period/common period | (b)(3) defines intervals and recurring periods. | The supplied stream has recurring equal monthly periods. |\n| Monthly intervals | (b)(3)(iv) treats months as equal while specifying anniversary, month-end, and February rules. | Equal model months are retained. No real calendar or holiday facts are invented. |\n| Unit period | Under (b)(4)(i), generally the most frequent common period, with specified tie/no-common-period alternatives. | One month is the candidate unit period; E05 does not require those alternatives. |\n| Whole months and fractions | (b)(5)(ii) measures whole months backward from the later date and any remaining days forward, divided by 30. | Conditional mapping uses whole months only and zero fractions. |\n| Annual frequency | Monthly unit periods imply 12 per year under (b)(5)(ii). | w=12. |\n| Fractional-rate treatment | (b)(6) uses the fraction multiplied by the unit-period rate. | Fractional factors equal one when e_1=f_j=0. |\n\nThese are APR timing conventions. They do not establish a note’s servicing day-count convention or receipt/posting rule. [Consumer Financial Protection Bureau+2](https://www.consumerfinance.gov/rules-policy/regulations/1026/j/?utm_source=chatgpt.com)\n\n### Actuarial method versus United States Rule\n\nThis investigation follows Appendix J’s **actuarial-method** expressions. Current §1026.22 and its commentary also recognize the United States Rule and distinguish the treatment of unpaid accrued interest. Those are computation descriptions; neither establishes permission to capitalize interest under a particular contract.\n\nThere is no need here to reopen E06 or investigate negative-amortization law. No separate United States Rule implementation is claimed. [Consumer Financial Protection Bureau+1](https://www.consumerfinance.gov/rules-policy/regulations/1026/22/?utm_source=chatgpt.com)\n\n## 5. E05 mapping and retained results\n\n### 5.1 Conditional symbol mapping\n\nThis is a **candidate mapping to the recovered expression**, subject to current-version verification and the stated legal and timing predicates.\n\n| Symbol or input | E05 mapping | Condition |\n| --- | --- | --- |\n| m | 1 | One advance; the fee is not invented as a second advance |\n| A_1, or A | Conditional amount-financed input: $10,000 or $9,700 | Depends on the reviewed fee-classification branch; not automatically gross note principal |\n| q_1 | 0 whole periods | Advance coincides with the relevant term beginning |\n| e_1 | 0 | No fractional advance offset |\n| n | 12 | Eleven ordinary installments plus one final installment |\n| P_1 through P_11 | $888.49 each | Reused reviewed payments |\n| P_12 | $888.47 | Reused adjusted final payment |\n| t_j | j, for j=1..12 | Each payment is at the end of the corresponding full model month |\n| f_j | 0 | No odd-day fractions |\n| Special-form t, f | t=1, f=0 | One full month before first payment |\n| w | 12 | Monthly unit period |\n| i | P01’s reviewed monthly numerical root q | **Not** Appendix J’s period-count symbol q_k; not automatically the 1% note rate |\n| I | 100*w*i = 1200*i | Nominal annual percentage-number convention, distinct from effective annualization |\n\n### 5.2 Stepwise equation reduction\n\nSubstitute the E05 payment structure into the recovered odd-final-payment form:\n\nPlain text\n```\nA = [888.49 * a_due(11,i) + 888.47/(1+i)^11] / (1+i)\n```\n\nExpand the annuity-due sum:\n\nPlain text\n```\na_due(11,i)\n= 1 + 1/(1+i) + ... + 1/(1+i)^10\n```\n\nTherefore:\n\nPlain text\n```\nA = 888.49/(1+i)\n    + 888.49/(1+i)^2\n    + ...\n    + 888.49/(1+i)^11\n    + 888.47/(1+i)^12\n```\n\nEquivalently:\n\nPlain text\n```\nsum over j=1..12 [P_j/(1+i)^j] - A = 0\n```\n\nThat is algebraically the reviewed P01 numerical equation after substituting:\n\nPlain text\n```\ni = q_P01\nA = V\n```\n\n**Operator checks**\n\n- a_due(11,i) contains eleven terms, not twelve.\n- The outside division by (1+i) moves the ordinary payments to months 1–11.\n- The final payment has total exponent 11+1=12.\n- Substituting the all-equal-payment form without adjustment would replace the actual final $888.47 with $888.49.\n- The extra two cents would enter as 0.02/(1+i)^12, not as an undiscounted origination charge.\n- No fee is added twice.\n\nThese are new algebraic checks of the recovered form against the supplied inputs. They do not establish that the recovered rendering is a completely verified current legal method.\n\n### 5.3 Classification inputs remain conditional\n\nThe following figures are **reused from the reviewed foundation**, not newly sourced borrower data or newly generated schedules.\n\n| Measure | No-fee reference | $300 included branch | $300 excluded branch |\n| --- | --- | --- | --- |\n| Note principal | $10,000.00 | $10,000.00 | $10,000.00 |\n| Gross advance | $10,000.00 | $10,000.00 | $10,000.00 |\n| Separate fee at t=0 | $0.00 | $300.00 | $300.00 |\n| Consumer net t=0 cash | $10,000.00 | $9,700.00 | $9,700.00 |\n| Conditional amount financed | $10,000.00 | **$9,700.00** | **$10,000.00** |\n| Modeled interest | $661.86 | $661.86 | $661.86 |\n| Conditional finance charge | $661.86 | **$961.86** | **$661.86** |\n| Scheduled payments | $10,661.86 | $10,661.86 | $10,661.86 |\n| All consumer cash outflows | $10,661.86 | $10,961.86 | $10,961.86 |\n| Current legal APR established in P02 | **Held** | **Held** | **Held** |\n\nThe included branch requires the charge actually to qualify as a prepaid finance charge. The excluded branch requires an actual applicable exclusion, such as the stipulated qualifying all-applicants application-fee condition. There is no classification election.\n\nThe reviewed cash identities remain:\n\nPlain text\n```\nIncluded branch:\n9700.00 + 961.86 = 10661.86\n300.00 + 10661.86 = 10961.86\n\nExcluded branch:\n10000.00 + 661.86 = 10661.86\n300.00 + 10661.86 = 10961.86\n```\n\nA withheld fee is an alternative structure; it does not create another separate $300 payment. Financing the fee on top of the advance, producing a $10,300 note, is outside this pass and would require a different schedule.\n\n### 5.4 Reviewed numerical roots—not relabeled\n\n| Comparison value V | Reviewed monthly numerical root | Reviewed nominal annualized numerical rate | Reviewed effective annualized numerical rate | P02 status |\n| --- | --- | --- | --- | --- |\n| $10,000 | 0.010000095523607588 | **12.0001146283%** | **12.6826309005%** | Reused; not a newly certified legal APR |\n| $9,700 | 0.014854202297695518 | **17.8250427572%** | **19.3558891893%** | Reused; not a newly certified legal APR |\n\nThe two annualizations remain distinct:\n\nPlain text\n```\nnominal annualized percentage = 1200 * i\n\nmathematical effective annualized percentage\n= 100 * [(1+i)^12 - 1]\n```\n\nFor the excluded-fee branch, the economic cash-flow calculation may still use net $9,700, while the conditional disclosure-input comparison uses $10,000. That distinction survives the formula recovery.\n\nThe algebraic match is evidence of consistency between the reviewed mathematics and the recovered expression. It is **not** evidence that the current-version and legal-classification requirements have all been satisfied.\n\n## 6. Precision and accuracy allowances\n\n| Issue | Relevant rule or instruction | Consequence for this pass |\n| --- | --- | --- |\n| Iteration precision | Readable Appendix J(b)(9)(ii) calls for carrying available decimals and sufficient iterations for reliable two-decimal rounding. | Intermediate displayed precision is not a substitute for the underlying calculation. |\n| General APR allowance | §1026.22(a)(2): one-eighth of one percentage point. | **±0.125 percentage point**, not a relative 0.125% error. |\n| Defined irregular transaction | §1026.22(a)(3): one-quarter of one percentage point for its defined irregular features. | **±0.25 percentage point**; an odd first period or first/final payment alone is excluded from that definition. |\n| E05’s adjusted final payment | Only the last amount differs, under the supplied schedule. | That fact alone does not justify invoking the quarter-point allowance. |\n| Other calculation tools | §1026.22(b)(2) permits other tools when their results meet the applicable method and accuracy requirements. | A generic IRR label or a small residual does not itself establish those requirements. |\n| Faulty-tool protection | Comment 22(a)(1)-5 distinguishes tool errors from incorrect inputs, misuse, and misapplication of law. | No tool safe-harbor or operational approval is claimed. |\n| Finance-charge dollar allowance | Reviewed §1026.18(d)(2) has separate dollar tolerances for the category addressed there. | The reviewed ±$5/±$10 thresholds are not APR tolerances or a reason to choose the wrong fee classification. |\n| Two-decimal numerical display | The retained numerical rates round to 12.00% and 17.83%. | Those displays remain numerical here; they are not newly issued legal APR disclosures. |\n\nThe current §22 clauses and relevant commentary were freshly read for these propositions. The §18 dollar-tolerance premise is explicitly reused from the reviewed P01 foundation. [Consumer Financial Protection Bureau+2](https://www.consumerfinance.gov/rules-policy/regulations/1026/22/?utm_source=chatgpt.com)\n\n## 7. Currentness and the Part 226–Part 1026 connection\n\nThe targeted history supplied useful evidence, but did not close the remaining comparison.\n\n1. **The 2011 republication:** The FederalRegister.gov rendering states that the Bureau’s new Part 1026 substantially duplicated the Board’s Regulation Z with specified nonsubstantive, technical, formatting, and stylistic changes. It identifies an effective date of **December 30, 2011**. Its Appendix J prose is readable, but the equation-page content is absent from the retrieved text. The large official PDF could not be fetched because of a reported content-length limit. \n2. **The 2016 finalization:** The final rule, effective **April 28, 2016**, adopted the December 2011 interim final rules subject to intervening amendments. Its operative issuance paragraph specifically includes the Regulation Z republication. This establishes a legal-history connection, not a certification that every equation in the undated Federal Reserve rendering is identical to every operative October 2026 panel. [govinfo.gov+1](https://www.govinfo.gov/content/pkg/FR-2016-04-28/html/2016-09431.htm?utm_source=chatgpt.com)\n3. **Current displays:** The current CFPB Appendix J page identifies itself as the current regulation. The eCFR response obtained in this pass displayed Title 12 as updated through **October 23, 2026**, but exposed Appendix J only through (b)(6). This fresh access does not contradict or erase the coordinator’s separately reported unsuccessful §22 access. They were different observed retrievals. [Consumer Financial Protection Bureau+1](https://www.consumerfinance.gov/rules-policy/regulations/1026/j/?utm_source=chatgpt.com)\n4. **Annual CFR:** The recovered PDF is explicitly the **January 1, 2025 edition**. Its production footer includes July 31, 2025; that is not a new substantive effective date. The candidate 2026 annual-CFR URL did not return readable content, so its publication status and contents were not established.\n\n**The remaining version predicate is precise:** verify the recovered symbols, operators, iteration instructions, and relevant examples against an actually readable current Part 1026 rendering—or against an adequately established official edition and its relevant subsequent amendment history. Neither a part-wide amendment date nor a successful numerical root supplies that verification.\n\n## 8. Source table — R004-P2-S001 onward\n\nAll fresh checks below occurred **2026-10-27 PDT**. “Text read” does not mean visual inspection. Sources grouped within a row are alternative renderings or related access routes, not invented independent corroboration.\n\n| Source ID | Issuer/title; complete literal URL(s) | Exact location | Version/effective status | Read extent, provenance, and limits |\n| --- | --- | --- | --- | --- |\n| **R004-P2-S001** | CFPB, **Appendix J to Part 1026**. [https://www.consumerfinance.gov/rules-policy/regulations/1026/j/](https://www.consumerfinance.gov/rules-policy/regulations/1026/j/?utm_source=chatgpt.com) | Official interpretation 1–2; (a); (b)(1)–(6); readable (b)(9)(i)–(ii); (b)(7)–(8) and (c)(1)/(3) link locations | Page labels itself current; no equation-specific effective date established | **Fresh 2026-10-27:** complete relevant prose and headings read. Equation links remained image placeholders. Not a complete current equation read. |\n| **R004-P2-S002** | OFR/GPO eCFR, **Appendix J to Part 1026**. [https://www.ecfr.gov/current/title-12/chapter-X/part-1026/appendix-Appendix%20J%20to%20Part%201026](https://www.ecfr.gov/current/title-12/chapter-X/part-1026/appendix-Appendix%20J%20to%20Part%201026?utm_source=chatgpt.com) | (a) through (b)(6) | Displayed Title 12 updated through **2026-10-23**; eCFR describes itself as authoritative but unofficial | **Fresh 2026-10-27:** body through (b)(6) read; no readable later equations. Title-wide date is not an Appendix J amendment date. |\n| **R004-P2-S003** | Board of Governors, **Federal Reserve Regulatory Service—Appendix J**. [https://www.federalreserve.gov/frrs/regulations/appendix-j-annual-percentage-rate-computations-for-closed-end-credit-transactions-reg-z.htm](https://www.federalreserve.gov/frrs/regulations/appendix-j-annual-percentage-rate-computations-for-closed-end-credit-transactions-reg-z.htm?utm_source=chatgpt.com) | FRRS locators **6-1017–6-1019**; (a), (b)(1)–(9); figures 1–6 and 8; (c)(1), (c)(3) | References **§226.22(a)**; no edition/effective date established from the retrieved page | **Fresh 2026-10-27:** applicable body and mathematical markup read, including relevant complete examples. Unpaginated HTML; FRRS locators are not CFR printed pages. No pixels inspected. Iteration-result truncations recorded. Current Part 1026 equivalence remains partial. |\n| **R004-P2-S004** | GPO annual CFR. [https://www.govinfo.gov/content/pkg/CFR-2025-title12-vol9/pdf/CFR-2025-title12-vol9-part1026-appJ.pdf](https://www.govinfo.gov/content/pkg/CFR-2025-title12-vol9/pdf/CFR-2025-title12-vol9-part1026-appJ.pdf?utm_source=chatgpt.com); candidate newer route [https://www.govinfo.gov/content/pkg/CFR-2026-title12-vol9/pdf/CFR-2026-title12-vol9-part1026-appJ.pdf](https://www.govinfo.gov/content/pkg/CFR-2026-title12-vol9/pdf/CFR-2026-title12-vol9-part1026-appJ.pdf) | 2025 PDF printed **436–447**, zero-based indices **0–11**. Relevant graphics occur at pp. **438, 439, 440, 442**, indices **2, 3, 4, 6** | 2025 edition is **as of Jan. 1, 2025**; production footer July 31, 2025. Candidate 2026 item not established | **Fresh 2026-10-27:** extracted prose pp. 436–437; later page headers/graphic markers. Screenshot attempts at indices 2, 3, 4, 6 returned placeholders. No visual equation read. 2026 route inaccessible. |\n| **R004-P2-S005** | CFPB, current-page equation assets. [https://files.consumerfinance.gov/eregulations/ER22DE11.062-1.png](https://files.consumerfinance.gov/eregulations/ER22DE11.062-1.png); [https://files.consumerfinance.gov/eregulations/ER22DE11.062-2.png](https://files.consumerfinance.gov/eregulations/ER22DE11.062-2.png); [https://files.consumerfinance.gov/eregulations/ER22DE11.063-1.png](https://files.consumerfinance.gov/eregulations/ER22DE11.063-1.png); [https://files.consumerfinance.gov/eregulations/ER22DE11.063-2.png](https://files.consumerfinance.gov/eregulations/ER22DE11.063-2.png); [https://files.consumerfinance.gov/eregulations/ER22DE11.064-1.png](https://files.consumerfinance.gov/eregulations/ER22DE11.064-1.png); [https://files.consumerfinance.gov/eregulations/ER22DE11.066-1.png](https://files.consumerfinance.gov/eregulations/ER22DE11.066-1.png) | Respectively: general symbols, example symbols, general equation, iteration, regular form/example, odd-final form/example | Linked by the current CFPB page; filenames are not independently verified effective dates | **Fresh attempts 2026-10-27:** each returned an unreadable image placeholder. No actual image content read. Same underlying appendix, not six independent authorities. |\n| **R004-P2-S006** | CFPB, **§1026.22 and official interpretations**. [https://www.consumerfinance.gov/rules-policy/regulations/1026/22/](https://www.consumerfinance.gov/rules-policy/regulations/1026/22/?utm_source=chatgpt.com) | (a)(1)–(3); comments 22(a)(1)-1–5; (b)(1)–(2) and comments | Current-page designation | **Fresh 2026-10-27:** complete clauses/comments relied upon read. Mortgage-specific tolerances and unrelated shortcuts not applied. |\n| **R004-P2-S007** | CFPB/OFR/GPO, **2011 Regulation Z republication**, 76 FR 79768. [https://www.federalregister.gov/documents/2011/12/22/2011-31715/truth-in-lending-regulation-z](https://www.federalregister.gov/documents/2011/12/22/2011-31715/truth-in-lending-regulation-z?utm_source=chatgpt.com); [https://www.govinfo.gov/app/details/FR-2011-12-22/2011-31715](https://www.govinfo.gov/app/details/FR-2011-12-22/2011-31715?utm_source=chatgpt.com); [https://www.govinfo.gov/content/pkg/FR-2011-12-22/html/2011-31715.htm](https://www.govinfo.gov/content/pkg/FR-2011-12-22/html/2011-31715.htm); [https://www.govinfo.gov/content/pkg/FR-2011-12-22/pdf/2011-31715.pdf](https://www.govinfo.gov/content/pkg/FR-2011-12-22/pdf/2011-31715.pdf) | Preamble summary, dates, II.A–B; Appendix J introduction and (b)(1)–(6); missing equation-page markers **79902–79910** | Published **2011-12-22**; effective **2011-12-30** as stated in the readable rule rendering. Later finalized subject to amendments | **Fresh 2026-10-27:** selected FederalRegister.gov body read, not the entire rule. That site identifies its XML rendering as informational, not the official legal edition. GovInfo HTML inaccessible; PDF rejected as too large; details page returned no body. PDF indices not established. |\n| **R004-P2-S008** | CFPB/GPO, **Finalization of Interim Final Rules**, 81 FR 25323–25326. [https://www.govinfo.gov/content/pkg/FR-2016-04-28/html/2016-09431.htm](https://www.govinfo.gov/content/pkg/FR-2016-04-28/html/2016-09431.htm?utm_source=chatgpt.com) | Summary; dates; I–IV; **Authority and Issuance, item M** | Dated **2016-04-12**; published/effective **2016-04-28** | **Fresh 2026-10-27:** rule text read, including final operative item M. Listed intervening rulemakings were not individually audited. Establishes finalization relationship, not 2026 equation identity. |\n| **R004-P2-S009** | **Reviewed P01 legal-input foundation**, supplied by coordinator: CFPB §§4, 18 and index. [https://www.consumerfinance.gov/rules-policy/regulations/1026/4/](https://www.consumerfinance.gov/rules-policy/regulations/1026/4/?utm_source=chatgpt.com); [https://www.consumerfinance.gov/rules-policy/regulations/1026/18/](https://www.consumerfinance.gov/rules-policy/regulations/1026/18/?utm_source=chatgpt.com); [https://www.consumerfinance.gov/rules-policy/regulations/1026/](https://www.consumerfinance.gov/rules-policy/regulations/1026/?utm_source=chatgpt.com) | §4(c)(1); §18(b)(3), comment 18(b)(3)-1; comment 18(g)-1; §18(d)(2); part-wide amendment metadata | Supplied selected-body review dated **2026-10-27**; index metadata April 8, 2026 remains part-wide | **Reused reviewed evidence, not a fresh P02 body read.** Supports only the supplied fee/amount-financed/payment/tolerance premises. Not blanket currentness certification. |\n| **R004-P2-S010** | **Coordinator-supplied E05 numerical foundation and this chat’s P01 E05**. No external URL; none invented | Supplied advance, 12 payments, fee branches, cash totals, two roots, and review limits | Review timestamp supplied: **2026-10-27T20:31:51.105871Z** | **Reused reviewed premises.** No new root recomputation or schedule generation claimed. Same-coordinator review, not independent review. |\n\n### Printed-page cross-reference limits\n\nFor the 2025 PDF, the extracted page headers establish the printed-page/index pairing. The graphic identifiers align with the CFPB asset stems:\n\nPlain text\n```\nER22DE11.062 -> printed 438 / PDF index 2\nER22DE11.063 -> printed 439 / PDF index 3\nER22DE11.064 -> printed 440 / PDF index 4\nER22DE11.066 -> printed 442 / PDF index 6\n```\n\nThis is a **structural cross-reference from extracted identifiers**, not a claim that the formula pixels on those pages were seen. [govinfo.gov](https://www.govinfo.gov/content/pkg/CFR-2025-title12-vol9/pdf/CFR-2025-title12-vol9-part1026-appJ.pdf?utm_source=chatgpt.com)\n\n## 9. Atomic claim table — A004\n\n| Claim ID | Area | Assertion | Source and exact pinpoint | Conditions, units, and status |\n| --- | --- | --- | --- | --- |\n| **R004-P2-C001** | A004 | P01 numerical premises and review limits are reused without correction or rerun. | S010; supplied P02 foundation | Provenance statement; no independent review claimed. |\n| **R004-P2-C002** | A004 | Current CFPB Appendix J prose was readable, but its operative equation assets were not. | S001, (b)(7)–(9), (c)(1), (c)(3); S005 | Fresh partial current-body read. |\n| **R004-P2-C003** | A004 | The fresh eCFR response displayed currency through October 23, 2026 and body only through (b)(6). | S002, metadata and body endpoint | Title-wide currency; later equation content not recovered. |\n| **R004-P2-C004** | A004 | An official Federal Reserve rendering supplied readable mathematical text but references §226.22. | S003, (a)(1), (b)(7)–(9), (c)(1)/(3) | Current Part 1026 identity not established. |\n| **R004-P2-C005** | A004 | Appendix J’s q_k is a period count; its rate symbol is i. | S003, (b)(7), table 1 | P01’s q maps to i, not to q_k. |\n| **R004-P2-C006** | A004 | The source’s annuity-due function contains x terms beginning at exponent zero. | S003, (b)(7), table 2/figures 1–2 | Plain-text normalization a_due(x,i) explicitly identified. |\n| **R004-P2-C007** | A004 | The recovered general equation equates discounted advances and payments using separate whole/fractional factors. | S003, (b)(8), figure 3 | Equation transcription; current-version limit retained. |\n| **R004-P2-C008** | A004 | Fractional factors are linear in the rate, not fractional powers of 1+i. | S003, (b)(8); S001–S002, (b)(6) | For E05 all fractions are conditionally zero. |\n| **R004-P2-C009** | A004 | The recovered iteration update uses a 0.1 annual-percentage-point step and the signed ratio shown in §3. | S003, (b)(9)(i), figures 4–5 | Percentage-number units; no new E05 iteration executed. |\n| **R004-P2-C010** | A004 | Two retrieved iteration-result lines were truncated and were not silently corrected. | S003, (b)(9)(i), step 4 | Extraction/source cause unresolved without inspectable counterpart. |\n| **R004-P2-C011** | A004 | The precision instruction requires adequate retained decimals and iteration for reliable two-decimal rounding. | S001 and S003, (b)(9)(ii) | Does not itself verify inputs, method version, or software. |\n| **R004-P2-C012** | A004 | The regular single-advance form uses P*a_due(n,i) with the first-period discount factor. | S003, (c)(1), figure 6 | Recovered text; regular form cannot silently erase E05’s last-payment difference. |\n| **R004-P2-C013** | A004 | The recovered monthly regular example reports 9.69% for its stated $5,000/24×$230 example. | S003, (c)(1), example (i) | Reported source example, not a newly computed current legal result. |\n| **R004-P2-C014** | A004 | The odd-final form separates n-1 ordinary payments from P_n. | S003, (c)(3), figure 8 | Applicable candidate structure for E05, subject to version/timing predicates. |\n| **R004-P2-C015** | A004 | The recovered monthly odd-final example reports 10.50% with its $280 final payment. | S003, (c)(3), example (i) | Same source-version limit; no live rate or borrower data. |\n| **R004-P2-C016** | A004 | Term beginning is governed by consummation and the specified later-earning provision. | S001–S002, (b)(2) | E05’s relative t=0 must be mapped conditionally; no actual date established. |\n| **R004-P2-C017** | A004 | Monthly unit selection and full-month counting require the stated Appendix J rules. | S001–S002, (b)(3)(iv), (b)(4)(i), (b)(5)(ii) | Equal model months alone do not establish actual calendar facts. |\n| **R004-P2-C018** | A004 | Nominal annualization multiplies the unit-period rate by annual frequency; mathematical effective annualization is different. | S001, (b)(1), (b)(5)(ii); S003, (b)(7); S010 | Monthly nominal percentage is 1200*i; effective formula retained from reviewed foundation. |\n| **R004-P2-C019** | A004 | Actuarial/United States Rule computation descriptions do not establish servicing capitalization permission. | S006, comments 22(a)(1)-1–3; S001, (a) | Actuarial mapping only; full capitalization law remains outside scope. |\n| **R004-P2-C020** | A004 | E05 maps to one advance, twelve payments, zero fractional offsets, and a distinct last amount only under the stated predicates. | S010; mapping in §5.1; S001 timing clauses | Conditional mapping, not an actual contract finding. |\n| **R004-P2-C021** | A004 | The recovered odd-final form reduces exactly to the reviewed E05 present-value equation. | Algebra in §5.2 from C006/C014/C020 | New algebraic derivation; no legal-currentness inference. |\n| **R004-P2-C022** | A004 | Included and excluded fee branches use different conditional amount-financed inputs without changing note principal. | S009, §18(b)(3), comment 1; S010 | Classification must be satisfied, not elected. |\n| **R004-P2-C023** | A004 | The upfront fee is not duplicated as another repayment-schedule charge. | S009, comment 18(g)-1; S010 | Separate-paid and withheld structures remain alternatives. |\n| **R004-P2-C024** | A004 | P01’s two roots and effective equivalents remain numerical results in P02. | S010; §5.4 | No new legal APR label or recomputation. |\n| **R004-P2-C025** | A004 | General and defined-irregular APR allowances are ±0.125 and ±0.25 percentage point respectively. | S006, §22(a)(2)–(3) | Not relative-percent errors; odd first period/first/final payment alone excluded from irregular definition. |\n| **R004-P2-C026** | A004 | Numerical precision or an accuracy allowance does not establish correct legal inputs and method application. | S006, §22(b)(2), comment 22(a)(1)-5 | No compliance or tool-acceptance claim. |\n| **R004-P2-C027** | A004 | Finance-charge dollar tolerances are a separate issue. | S009, reviewed §18(d)(2) | Reused foundation; not an APR method or fee-classification cure. |\n| **R004-P2-C028** | A004 | The 2011 rule establishes the recodification connection and states a December 30, 2011 effective date. | S007, summary, dates, II.A–B | Selected historical body read; not complete current equation verification. |\n| **R004-P2-C029** | A004 | The 2016 rule finalized the 2011 rules subject to intervening amendments. | S008, summary/dates; Authority and Issuance M | Effective April 28, 2016; listed amendments not all independently examined. |\n| **R004-P2-C030** | A004 | The complete current equation/version predicate remains unsatisfied. | S001–S008; failure log | Legacy text, current prose, and historical continuity do not finish the missing operator-level comparison. |\n| **R004-P2-C031** | A004 | The legal APR hold therefore remains for every E05 classification branch. | C020–C030 | No actual charge, calculator, operation, publication, or parent A004 acceptance follows. |\n\n## 10. Granular coverage table\n\n| Requested component | Status and reason | Claim links | Exact missing authority/input and next bounded action |\n| --- | --- | --- | --- |\n| **A — (b)(7) general symbols** | **Partial:** readable official legacy-numbered text recovered | C004–C006 | Compare all symbols with an actually readable current Part 1026 panel. |\n| **A — (b)(7) example symbols** | **Partial:** annuity-due and annualization notation recovered | C006, C018 | Current panel comparison remains; retain explicit notation normalization. |\n| **A — (b)(8) general equation** | **Partial:** complete recovered text transcribed | C007–C008 | Verify current operators, parentheses, exponents, and denominators against a readable current official rendering. |\n| **A — (b)(9) iteration expression** | **Partial:** update expression and units read | C009 | Current equation panel still unreadable. |\n| **A — (b)(9) complete numerical illustration** | **Partial:** most figures read; two later result lines truncated | C010–C011 | Inspect an untruncated official counterpart; do not infer missing prefixes as source text. |\n| **A — (c)(1) regular form** | **Partial:** complete recovered expression read | C012 | Current-version comparison remains. |\n| **A — (c)(1) relevant monthly example** | **Partial:** complete relevant source example read | C013 | Verify current counterpart; source’s example dates do not date the edition. |\n| **A — (c)(3) odd-final form** | **Partial:** complete recovered expression read | C014 | Current-version comparison remains. |\n| **A — (c)(3) relevant monthly example** | **Partial:** complete relevant source example read | C015 | Verify current counterpart and reported figures. |\n| **A — Necessary definitions/unit periods/date counting** | **Answered at current prose level** | C016–C018 | No missing prose for the stipulated monthly mapping; actual-date application remains conditional. |\n| **A — Other necessary clauses** | **Answered narrowly** | C019, C022–C023, C025–C029 | §22 freshly read; fee/payment premises reused from reviewed §4/§18 foundation. No wider rerun. |\n| **A — Text versus pixels** | **Answered explicitly** | C002–C004, C010 | No PDF/image pixels successfully inspected; only Federal Reserve mathematical text recovered. |\n| **A — Exact locations/pages/indices** | **Answered where established** | Source table and page cross-reference | FRRS HTML has no printed page; 2011 PDF indices not established; annual-CFR structural mapping expressly qualified. |\n| **A — Currentness/recodification** | **Partial** | C028–C030 | Need current equation identity or an adequate edition-plus-relevant-amendment comparison. A 2025 edition or part-wide metadata alone is insufficient. |\n| **B — Single advance/equal months/adjusted last payment** | **Answered as conditional mapping** | C020–C021 | Term beginning and legal month alignment must match the stipulated relative times. |\n| **B — Note principal versus amount financed/finance charge** | **Answered using reviewed premises** | C022–C024 | Actual fee-classification conditions remain unestablished by design. |\n| **B — Advance/payment time symbols** | **Answered** | C005, C016–C017, C020 | No real consummation, accrual-start, or due dates exist in these inputs. |\n| **B — Nominal versus effective annualization** | **Answered** | C018, C024 | No use of the 1% note rate as the fee-inclusive calculation rate. |\n| **B — Actuarial versus United States Rule** | **Answered only as necessary boundary** | C019 | No separate United States Rule implementation or capitalization-law conclusion. |\n| **B — Formula availability versus applicability** | **Answered** | C020–C021, C030 | Algebraic match does not resolve the version and timing predicates. |\n| **C — No-fee/included/excluded inputs** | **Answered conditionally** | C022–C024 | No classification election; no new borrower facts. |\n| **C — Newly established legal-method result** | **Unresolved/held** | C030–C031 | Complete current method/version read not established. No legally labeled E05 number issued. |\n| **C — Comparison with reviewed roots** | **Answered algebraically** | C021, C024 | Roots reused; not relabeled or recomputed. |\n| **C — Precision/iteration/rounding** | **Partial for official illustrated figures; answered as rule distinction** | C009–C011, C026 | Truncated illustration and current equation comparison remain. |\n| **C — §22(a)(2)/(3) allowances** | **Answered** | C025–C026 | Adjusted last payment alone does not invoke quarter-point treatment. |\n| **C — Separate dollar tolerance** | **Answered from reviewed foundation** | C027 | Does not establish fee inclusion or validate a defective method. |\n| **D — Exact bounded discovery/read/failure evidence** | **Answered** | Source table; failure log | No unchanged repetitive recovery loop undertaken. |\n| **D — Preserve P01 models and hold** | **Answered** | C001, C024, C031 | All six reviewed models preserved; no full schedules generated. |\n| **D — Precise next public-source action** | **Answered below** | C030–C031 | Obtain genuinely readable current equation content and complete the targeted comparison before legal relabeling. |\n| **D — No unrelated parent expansion** | **Observed** | Remaining-dimensions table | All other parent subjects remain held. |\n\n## 11. Bounded read/failure log\n\nAll actions in this table occurred **2026-10-27 PDT**. No response was treated as readable merely because it contained an image label.\n\n| Exact URL(s) | Action and content extent | Result/error | Specific remaining gap |\n| --- | --- | --- | --- |\n| [https://www.consumerfinance.gov/rules-policy/regulations/1026/j/](https://www.consumerfinance.gov/rules-policy/regulations/1026/j/?utm_source=chatgpt.com) | Opened relevant body through examples and followed six relevant equation links | Prose readable; equations represented by image links | Complete current equation content |\n| [https://www.ecfr.gov/current/title-12/chapter-X/part-1026/appendix-Appendix%20J%20to%20Part%201026](https://www.ecfr.gov/current/title-12/chapter-X/part-1026/appendix-Appendix%20J%20to%20Part%201026?utm_source=chatgpt.com) | Opened current public page | Readable introduction through (b)(6); later equation content absent from response | Current symbols, equation, iteration, and example panels |\n| [https://files.consumerfinance.gov/eregulations/ER22DE11.062-1.png](https://files.consumerfinance.gov/eregulations/ER22DE11.062-1.png); [https://files.consumerfinance.gov/eregulations/ER22DE11.062-2.png](https://files.consumerfinance.gov/eregulations/ER22DE11.062-2.png) | Followed both symbol assets once in P02 | Unreadable image placeholders | Current symbol definitions as actual image/text content |\n| [https://files.consumerfinance.gov/eregulations/ER22DE11.063-1.png](https://files.consumerfinance.gov/eregulations/ER22DE11.063-1.png); [https://files.consumerfinance.gov/eregulations/ER22DE11.063-2.png](https://files.consumerfinance.gov/eregulations/ER22DE11.063-2.png) | Followed general-equation and iteration assets once | Unreadable image placeholders | Current operators and clean iteration panel |\n| [https://files.consumerfinance.gov/eregulations/ER22DE11.064-1.png](https://files.consumerfinance.gov/eregulations/ER22DE11.064-1.png); [https://files.consumerfinance.gov/eregulations/ER22DE11.066-1.png](https://files.consumerfinance.gov/eregulations/ER22DE11.066-1.png) | Followed regular/odd-final assets once | Unreadable image placeholders | Current special forms and examples |\n| [https://www.govinfo.gov/content/pkg/CFR-2025-title12-vol9/pdf/CFR-2025-title12-vol9-part1026-appJ.pdf](https://www.govinfo.gov/content/pkg/CFR-2025-title12-vol9/pdf/CFR-2025-title12-vol9-part1026-appJ.pdf?utm_source=chatgpt.com) | Read extracted text; attempted supported screenshots at indices 2, 3, 4, 6 | Prose and graphic markers readable; screenshots returned placeholders | No visual comparison; historical edition also does not establish October 2026 currency |\n| [https://www.govinfo.gov/content/pkg/CFR-2026-title12-vol9/pdf/CFR-2026-title12-vol9-part1026-appJ.pdf](https://www.govinfo.gov/content/pkg/CFR-2026-title12-vol9/pdf/CFR-2026-title12-vol9-part1026-appJ.pdf) | Tried one candidate newer annual-CFR route | “Not accessible via this tool” | Publication/content status not established; no 2026 text read |\n| [https://www.federalreserve.gov/frrs/regulations/appendix-j-annual-percentage-rate-computations-for-closed-end-credit-transactions-reg-z.htm](https://www.federalreserve.gov/frrs/regulations/appendix-j-annual-percentage-rate-computations-for-closed-end-credit-transactions-reg-z.htm?utm_source=chatgpt.com) | Read relevant body and mathematical markup | Successful text recovery; §226 reference; apparent truncation in later iteration figures | Current Part 1026 equivalence and clean numerical illustration |\n| [https://www.govinfo.gov/content/pkg/FR-2011-12-22/html/2011-31715.htm](https://www.govinfo.gov/content/pkg/FR-2011-12-22/html/2011-31715.htm) | Tried official historical HTML route once | Inaccessible | Historical operative equation counterpart not recovered there |\n| [https://www.govinfo.gov/content/pkg/FR-2011-12-22/pdf/2011-31715.pdf](https://www.govinfo.gov/content/pkg/FR-2011-12-22/pdf/2011-31715.pdf) | Tried official historical PDF once | Fetch rejected: content length too large, reported **40,909,875 bytes** | Official PDF equation pages not read |\n| [https://www.govinfo.gov/app/details/FR-2011-12-22/2011-31715](https://www.govinfo.gov/app/details/FR-2011-12-22/2011-31715?utm_source=chatgpt.com) | Opened document-details page | Zero readable body lines | Metadata page did not supply operative text |\n| [https://www.federalregister.gov/documents/2011/12/22/2011-31715/truth-in-lending-regulation-z](https://www.federalregister.gov/documents/2011/12/22/2011-31715/truth-in-lending-regulation-z?utm_source=chatgpt.com) | Read selected republication provisions and Appendix J area | Prose recovered; equation area reduced to printed-page markers | Historical equation comparison still incomplete |\n| [https://www.govinfo.gov/content/pkg/FR-2016-04-28/html/2016-09431.htm](https://www.govinfo.gov/content/pkg/FR-2016-04-28/html/2016-09431.htm?utm_source=chatgpt.com) | Read finalization rule and operative item M | Successful text read | Establishes historical connection, not complete subsequent-currentness proof |\n| Search discovery | Searched for official Appendix J renderings and relevant republication material | Located Federal Reserve text and official historical rule sources | Snippets were not treated as operative equation reads |\n\nNo CAPTCHA or access-control challenge was bypassed. No source was obtained through an API or security workaround.\n\n## 12. Self-check, precise next action, and preserved parent limits\n\n### Self-check\n\n| Check | Outcome |\n| --- | --- |\n| Preserve reviewed P01 arithmetic | Done; no material correction asserted and no six-model rerun |\n| Identify new evidence honestly | Federal Reserve mathematical text distinguished from current unread image assets |\n| Preserve source operators | Whole-period exponents, linear fractional factors, outer discount factor, and odd-final-payment term explicitly checked |\n| Avoid symbol collision | P01 rate q distinguished from Appendix J period-count q_k |\n| Keep classification separate | $9,700/$10,000 inputs remain conditional; no fee-classification election |\n| Keep timing separate | Relative months not turned into actual consummation or due dates |\n| Keep annualizations separate | Nominal 100*w*i not confused with mathematical effective annualization |\n| Preserve cash conservation | Reviewed schedule/fee cash identities retained; no duplicated $300 |\n| Avoid invented transcription | Truncated iteration figures disclosed rather than silently completed |\n| Avoid invented currentness | Part 226 rendering, 2011 republication, 2016 finalization, 2025 edition, and current displays treated separately |\n| Avoid false legal result | Legal APR held in every E05 branch |\n| Review status | This is the researcher’s self-check, **not independent review** |\n\n### Precise next public-source action\n\nThe next bounded action is to obtain a **genuinely readable current Part 1026 equation rendering** covering the six identified panels: both symbol panels, general equation, iteration, regular-payment example, and odd-final-payment example. That requires either accessible official mathematical text or a supported public image/PDF response that actually exposes the pixels.\n\nOnce available, compare those contents against the transcriptions above, resolve the truncated iteration figures, and establish the relevant edition/currentness connection. Then apply the confirmed method to the existing E05 inputs under explicit term-start and monthly-timing assumptions.\n\nRepeating these unchanged placeholder responses would not advance that task. No account, provider, case, record request, or contact is needed.\n\n### Remaining parent dimensions\n\n| Parent dimension | Status after P02 |\n| --- | --- |\n| Complete compound-interest and capitalization law | Held |\n| Open-end credit/cards, daily periodic rates, grace periods | Held |\n| Minimum-payment and negative-amortization law | Held |\n| Variable rates, penalty rates, deferred interest | Held |\n| Late fees and collection costs | Held |\n| Product-specific mortgage, auto, student, payday, BNPL, and commercial rules | Held |\n| State, local, tribal, country, and individual-contract rules | Held |\n| Broader irregular/odd-day/multiple-advance APR methods and complete current Appendix J verification | Held beyond the recovered material identified here |\n| Prepayment, rebates, penalties, add-on/precomputed interest, Rule of 78s | Held |\n| Calculator/tool validation and error handling | Held |\n| Bankruptcy, tax, settlement, and credit intersections | Held |\n| Actual charging, operations, publication, calculator acceptance, and parent A004 acceptance | **Not granted by this pass** |\n\nEND R004 PASS-02.\n\n","tables":[{"headers":["Component","Newly established in P02","Remaining limitation"],"index":0,"links":[],"row_links":[[],[],[],[],[],[],[],[],[]],"rows":[["Component","Newly established in P02","Remaining limitation"],["Current Appendix J prose","Freshly read the current CFPB page’s introduction, instructions in (b)(1)–(6), readable iteration instructions, and official interpretation. The current eCFR response independently exposed the introduction through (b)(6).","Neither response exposed the complete current equation panels as readable content."],["Symbols, (b)(7)","Readable definitions recovered from the Federal Reserve Regulatory Service, including the distinction between a rate and a count of periods.","The rendering uses §226 numbering; equivalence to each current Part 1026 symbol panel was not fully verified."],["General equation, (b)(8)","Readable mathematical markup recovered and transcribed below.","Current Part 1026 image remained unreadable."],["Iteration, (b)(9)","The update equation, initial evaluation points, first interpolated result, repetition instructions, and precision instruction were readable.","Two later result lines were truncated in the retrieved text. They are not silently repaired below."],["Regular form/example, (c)(1)","Formula and complete relevant monthly example recovered as text.","Current Part 1026 panel not visually or textually compared in full."],["Odd-final-payment form/example, (c)(3)","Formula and complete relevant monthly example recovered as text.","Same current-version comparison gap."],["E05 mapping","The recovered odd-final-payment expression reduces algebraically to the reviewed cash-flow equation under specified timing and classification assumptions.","Algebraic equivalence does not establish current-version identity or transaction-specific applicability."],["Legal APR result","No new legally labeled E05 result issued.","Held for all three branches: no fee, included fee, and excluded fee."]]},{"headers":["Source symbol","Plain-text meaning and units"],"index":1,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Source symbol","Plain-text meaning and units"],["A_k","Advance k, dollars"],["q_k","Whole unit periods from term beginning to advance k"],["e_k","Remaining fractional unit period to advance k"],["m","Number of advances"],["P_j","Payment j, dollars"],["t_j","Whole unit periods from term beginning to payment j"],["f_j","Remaining fractional unit period to payment j"],["n","Number of payments"],["i","Decimal rate per unit period"],["w","Unit periods per year"],["I","Nominal annual percentage rate, in percentage-number units"],["a_due(x,i)","1 + 1/(1+i) + ... + 1/(1+i)^(x-1)"]]},{"headers":["Location","Advance and payments","Timing stated in source","Reported APR"],"index":2,"links":[],"row_links":[[],[],[]],"rows":[["Location","Advance and payments","Timing stated in source","Reported APR"],["(c)(1), example (i)","A=5000; P=230; n=24","Advance January 10, 1978; first payment February 10, 1978; monthly; w=12, t=1, f=0","9.69%"],["(c)(3), example (i)","A=5000; ordinary P=230; final P_n=280; n=24","Same stated advance/first-payment dates; monthly; w=12, t=1, f=0","10.50%"]]},{"headers":["Stage","Readable content","Evidence status"],"index":3,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Stage","Readable content","Evidence status"],["Initial annual estimate","I_1 = 12.50%","Readable"],["First rate conversion","i = 0.010416667","Readable displayed precision"],["First evaluated advance","A_prime = 1004.674391","Readable"],["Second annual estimate","I_2 = 12.60%","Readable"],["Second rate conversion","i = 0.010500000","Readable"],["Second evaluated advance","A_double_prime = 1003.235366","Readable"],["First update","I_new = 12.82483042%","Readable"],["Later iteration output","Retrieved as .82557859%; the following input line separately states 12.82557859%","Apparent truncation in one output line"],["Next iteration output","Retrieved as .82557529%","Apparent truncation; missing prefix not silently supplied"],["Source’s stated rounded conclusion","12.83%","Readable, also present in current CFPB prose"],["Precision instruction","Carry available decimals and iterate enough to make the two-decimal rounded result reliably correct","Readable in both recovered and current prose"]]},{"headers":["Predicate","Current readable instruction","E05 treatment"],"index":4,"links":[],"row_links":[[],[],[],[],[],[],[],[],[]],"rows":[["Predicate","Current readable instruction","E05 treatment"],["Beginning of term","Appendix J(b)(2) starts with consummation, subject to its later-finance-charge-earning provision.","t=0 must be stipulated to coincide with that legally relevant beginning. An advance labeled “t=0” alone does not prove this."],["End of term","Last payment due, except for a later scheduled advance.","Candidate end is model month 12; E05 specifies no later advance."],["Period/common period","(b)(3) defines intervals and recurring periods.","The supplied stream has recurring equal monthly periods."],["Monthly intervals","(b)(3)(iv) treats months as equal while specifying anniversary, month-end, and February rules.","Equal model months are retained. No real calendar or holiday facts are invented."],["Unit period","Under (b)(4)(i), generally the most frequent common period, with specified tie/no-common-period alternatives.","One month is the candidate unit period; E05 does not require those alternatives."],["Whole months and fractions","(b)(5)(ii) measures whole months backward from the later date and any remaining days forward, divided by 30.","Conditional mapping uses whole months only and zero fractions."],["Annual frequency","Monthly unit periods imply 12 per year under (b)(5)(ii).","w=12."],["Fractional-rate treatment","(b)(6) uses the fraction multiplied by the unit-period rate.","Fractional factors equal one when e_1=f_j=0."]]},{"headers":["Symbol or input","E05 mapping","Condition"],"index":5,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Symbol or input","E05 mapping","Condition"],["m","1","One advance; the fee is not invented as a second advance"],["A_1, or A","Conditional amount-financed input: $10,000 or $9,700","Depends on the reviewed fee-classification branch; not automatically gross note principal"],["q_1","0 whole periods","Advance coincides with the relevant term beginning"],["e_1","0","No fractional advance offset"],["n","12","Eleven ordinary installments plus one final installment"],["P_1 through P_11","$888.49 each","Reused reviewed payments"],["P_12","$888.47","Reused adjusted final payment"],["t_j","j, for j=1..12","Each payment is at the end of the corresponding full model month"],["f_j","0","No odd-day fractions"],["Special-form t, f","t=1, f=0","One full month before first payment"],["w","12","Monthly unit period"],["i","P01’s reviewed monthly numerical root q","Not Appendix J’s period-count symbol q_k; not automatically the 1% note rate"],["I","100*w*i = 1200*i","Nominal annual percentage-number convention, distinct from effective annualization"]]},{"headers":["Measure","No-fee reference","$300 included branch","$300 excluded branch"],"index":6,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Measure","No-fee reference","$300 included branch","$300 excluded branch"],["Note principal","$10,000.00","$10,000.00","$10,000.00"],["Gross advance","$10,000.00","$10,000.00","$10,000.00"],["Separate fee at t=0","$0.00","$300.00","$300.00"],["Consumer net t=0 cash","$10,000.00","$9,700.00","$9,700.00"],["Conditional amount financed","$10,000.00","$9,700.00","$10,000.00"],["Modeled interest","$661.86","$661.86","$661.86"],["Conditional finance charge","$661.86","$961.86","$661.86"],["Scheduled payments","$10,661.86","$10,661.86","$10,661.86"],["All consumer cash outflows","$10,661.86","$10,961.86","$10,961.86"],["Current legal APR established in P02","Held","Held","Held"]]},{"headers":["Comparison value V","Reviewed monthly numerical root","Reviewed nominal annualized numerical rate","Reviewed effective annualized numerical rate","P02 status"],"index":7,"links":[],"row_links":[[],[],[]],"rows":[["Comparison value V","Reviewed monthly numerical root","Reviewed nominal annualized numerical rate","Reviewed effective annualized numerical rate","P02 status"],["$10,000","0.010000095523607588","12.0001146283%","12.6826309005%","Reused; not a newly certified legal APR"],["$9,700","0.014854202297695518","17.8250427572%","19.3558891893%","Reused; not a newly certified legal APR"]]},{"headers":["Issue","Relevant rule or instruction","Consequence for this pass"],"index":8,"links":[],"row_links":[[],[],[],[],[],[],[],[],[]],"rows":[["Issue","Relevant rule or instruction","Consequence for this pass"],["Iteration precision","Readable Appendix J(b)(9)(ii) calls for carrying available decimals and sufficient iterations for reliable two-decimal rounding.","Intermediate displayed precision is not a substitute for the underlying calculation."],["General APR allowance","§1026.22(a)(2): one-eighth of one percentage point.","±0.125 percentage point, not a relative 0.125% error."],["Defined irregular transaction","§1026.22(a)(3): one-quarter of one percentage point for its defined irregular features.","±0.25 percentage point; an odd first period or first/final payment alone is excluded from that definition."],["E05’s adjusted final payment","Only the last amount differs, under the supplied schedule.","That fact alone does not justify invoking the quarter-point allowance."],["Other calculation tools","§1026.22(b)(2) permits other tools when their results meet the applicable method and accuracy requirements.","A generic IRR label or a small residual does not itself establish those requirements."],["Faulty-tool protection","Comment 22(a)(1)-5 distinguishes tool errors from incorrect inputs, misuse, and misapplication of law.","No tool safe-harbor or operational approval is claimed."],["Finance-charge dollar allowance","Reviewed §1026.18(d)(2) has separate dollar tolerances for the category addressed there.","The reviewed ±$5/±$10 thresholds are not APR tolerances or a reason to choose the wrong fee classification."],["Two-decimal numerical display","The retained numerical rates round to 12.00% and 17.83%.","Those displays remain numerical here; they are not newly issued legal APR disclosures."]]},{"headers":["Source ID","Issuer/title; complete literal URL(s)","Exact location","Version/effective status","Read extent, provenance, and limits"],"index":9,"links":[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/j/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1026/j/"},{"href":"https://www.ecfr.gov/current/title-12/chapter-X/part-1026/appendix-Appendix%20J%20to%20Part%201026?utm_source=chatgpt.com","text":"https://www.ecfr.gov/current/title-12/chapter-X/part-1026/appendix-Appendix%20J%20to%20Part%201026"},{"href":"https://www.federalreserve.gov/frrs/regulations/appendix-j-annual-percentage-rate-computations-for-closed-end-credit-transactions-reg-z.htm?utm_source=chatgpt.com","text":"https://www.federalreserve.gov/frrs/regulations/appendix-j-annual-percentage-rate-computations-for-closed-end-credit-transactions-reg-z.htm"},{"href":"https://www.govinfo.gov/content/pkg/CFR-2025-title12-vol9/pdf/CFR-2025-title12-vol9-part1026-appJ.pdf?utm_source=chatgpt.com","text":"https://www.govinfo.gov/content/pkg/CFR-2025-title12-vol9/pdf/CFR-2025-title12-vol9-part1026-appJ.pdf"},{"href":"https://www.govinfo.gov/content/pkg/CFR-2026-title12-vol9/pdf/CFR-2026-title12-vol9-part1026-appJ.pdf","text":"https://www.govinfo.gov/content/pkg/CFR-2026-title12-vol9/pdf/CFR-2026-title12-vol9-part1026-appJ.pdf"},{"href":"https://files.consumerfinance.gov/eregulations/ER22DE11.062-1.png","text":"https://files.consumerfinance.gov/eregulations/ER22DE11.062-1.png"},{"href":"https://files.consumerfinance.gov/eregulations/ER22DE11.062-2.png","text":"https://files.consumerfinance.gov/eregulations/ER22DE11.062-2.png"},{"href":"https://files.consumerfinance.gov/eregulations/ER22DE11.063-1.png","text":"https://files.consumerfinance.gov/eregulations/ER22DE11.063-1.png"},{"href":"https://files.consumerfinance.gov/eregulations/ER22DE11.063-2.png","text":"https://files.consumerfinance.gov/eregulations/ER22DE11.063-2.png"},{"href":"https://files.consumerfinance.gov/eregulations/ER22DE11.064-1.png","text":"https://files.consumerfinance.gov/eregulations/ER22DE11.064-1.png"},{"href":"https://files.consumerfinance.gov/eregulations/ER22DE11.066-1.png","text":"https://files.consumerfinance.gov/eregulations/ER22DE11.066-1.png"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/22/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1026/22/"},{"href":"https://www.federalregister.gov/documents/2011/12/22/2011-31715/truth-in-lending-regulation-z?utm_source=chatgpt.com","text":"https://www.federalregister.gov/documents/2011/12/22/2011-31715/truth-in-lending-regulation-z"},{"href":"https://www.govinfo.gov/app/details/FR-2011-12-22/2011-31715?utm_source=chatgpt.com","text":"https://www.govinfo.gov/app/details/FR-2011-12-22/2011-31715"},{"href":"https://www.govinfo.gov/content/pkg/FR-2011-12-22/html/2011-31715.htm","text":"https://www.govinfo.gov/content/pkg/FR-2011-12-22/html/2011-31715.htm"},{"href":"https://www.govinfo.gov/content/pkg/FR-2011-12-22/pdf/2011-31715.pdf","text":"https://www.govinfo.gov/content/pkg/FR-2011-12-22/pdf/2011-31715.pdf"},{"href":"https://www.govinfo.gov/content/pkg/FR-2016-04-28/html/2016-09431.htm?utm_source=chatgpt.com","text":"https://www.govinfo.gov/content/pkg/FR-2016-04-28/html/2016-09431.htm"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/4/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1026/4/"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/18/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1026/18/"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1026/"}],"row_links":[[],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/j/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1026/j/"}],[{"href":"https://www.ecfr.gov/current/title-12/chapter-X/part-1026/appendix-Appendix%20J%20to%20Part%201026?utm_source=chatgpt.com","text":"https://www.ecfr.gov/current/title-12/chapter-X/part-1026/appendix-Appendix%20J%20to%20Part%201026"}],[{"href":"https://www.federalreserve.gov/frrs/regulations/appendix-j-annual-percentage-rate-computations-for-closed-end-credit-transactions-reg-z.htm?utm_source=chatgpt.com","text":"https://www.federalreserve.gov/frrs/regulations/appendix-j-annual-percentage-rate-computations-for-closed-end-credit-transactions-reg-z.htm"}],[{"href":"https://www.govinfo.gov/content/pkg/CFR-2025-title12-vol9/pdf/CFR-2025-title12-vol9-part1026-appJ.pdf?utm_source=chatgpt.com","text":"https://www.govinfo.gov/content/pkg/CFR-2025-title12-vol9/pdf/CFR-2025-title12-vol9-part1026-appJ.pdf"},{"href":"https://www.govinfo.gov/content/pkg/CFR-2026-title12-vol9/pdf/CFR-2026-title12-vol9-part1026-appJ.pdf","text":"https://www.govinfo.gov/content/pkg/CFR-2026-title12-vol9/pdf/CFR-2026-title12-vol9-part1026-appJ.pdf"}],[{"href":"https://files.consumerfinance.gov/eregulations/ER22DE11.062-1.png","text":"https://files.consumerfinance.gov/eregulations/ER22DE11.062-1.png"},{"href":"https://files.consumerfinance.gov/eregulations/ER22DE11.062-2.png","text":"https://files.consumerfinance.gov/eregulations/ER22DE11.062-2.png"},{"href":"https://files.consumerfinance.gov/eregulations/ER22DE11.063-1.png","text":"https://files.consumerfinance.gov/eregulations/ER22DE11.063-1.png"},{"href":"https://files.consumerfinance.gov/eregulations/ER22DE11.063-2.png","text":"https://files.consumerfinance.gov/eregulations/ER22DE11.063-2.png"},{"href":"https://files.consumerfinance.gov/eregulations/ER22DE11.064-1.png","text":"https://files.consumerfinance.gov/eregulations/ER22DE11.064-1.png"},{"href":"https://files.consumerfinance.gov/eregulations/ER22DE11.066-1.png","text":"https://files.consumerfinance.gov/eregulations/ER22DE11.066-1.png"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/22/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1026/22/"}],[{"href":"https://www.federalregister.gov/documents/2011/12/22/2011-31715/truth-in-lending-regulation-z?utm_source=chatgpt.com","text":"https://www.federalregister.gov/documents/2011/12/22/2011-31715/truth-in-lending-regulation-z"},{"href":"https://www.govinfo.gov/app/details/FR-2011-12-22/2011-31715?utm_source=chatgpt.com","text":"https://www.govinfo.gov/app/details/FR-2011-12-22/2011-31715"},{"href":"https://www.govinfo.gov/content/pkg/FR-2011-12-22/html/2011-31715.htm","text":"https://www.govinfo.gov/content/pkg/FR-2011-12-22/html/2011-31715.htm"},{"href":"https://www.govinfo.gov/content/pkg/FR-2011-12-22/pdf/2011-31715.pdf","text":"https://www.govinfo.gov/content/pkg/FR-2011-12-22/pdf/2011-31715.pdf"}],[{"href":"https://www.govinfo.gov/content/pkg/FR-2016-04-28/html/2016-09431.htm?utm_source=chatgpt.com","text":"https://www.govinfo.gov/content/pkg/FR-2016-04-28/html/2016-09431.htm"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/4/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1026/4/"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/18/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1026/18/"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1026/"}],[]],"rows":[["Source ID","Issuer/title; complete literal URL(s)","Exact location","Version/effective status","Read extent, provenance, and limits"],["R004-P2-S001","CFPB, Appendix J to Part 1026. https://www.consumerfinance.gov/rules-policy/regulations/1026/j/","Official interpretation 1–2; (a); (b)(1)–(6); readable (b)(9)(i)–(ii); (b)(7)–(8) and (c)(1)/(3) link locations","Page labels itself current; no equation-specific effective date established","Fresh 2026-10-27: complete relevant prose and headings read. Equation links remained image placeholders. Not a complete current equation read."],["R004-P2-S002","OFR/GPO eCFR, Appendix J to Part 1026. https://www.ecfr.gov/current/title-12/chapter-X/part-1026/appendix-Appendix%20J%20to%20Part%201026","(a) through (b)(6)","Displayed Title 12 updated through 2026-10-23; eCFR describes itself as authoritative but unofficial","Fresh 2026-10-27: body through (b)(6) read; no readable later equations. Title-wide date is not an Appendix J amendment date."],["R004-P2-S003","Board of Governors, Federal Reserve Regulatory Service—Appendix J. https://www.federalreserve.gov/frrs/regulations/appendix-j-annual-percentage-rate-computations-for-closed-end-credit-transactions-reg-z.htm","FRRS locators 6-1017–6-1019; (a), (b)(1)–(9); figures 1–6 and 8; (c)(1), (c)(3)","References §226.22(a); no edition/effective date established from the retrieved page","Fresh 2026-10-27: applicable body and mathematical markup read, including relevant complete examples. Unpaginated HTML; FRRS locators are not CFR printed pages. No pixels inspected. Iteration-result truncations recorded. Current Part 1026 equivalence remains partial."],["R004-P2-S004","GPO annual CFR. https://www.govinfo.gov/content/pkg/CFR-2025-title12-vol9/pdf/CFR-2025-title12-vol9-part1026-appJ.pdf; candidate newer route https://www.govinfo.gov/content/pkg/CFR-2026-title12-vol9/pdf/CFR-2026-title12-vol9-part1026-appJ.pdf","2025 PDF printed 436–447, zero-based indices 0–11. Relevant graphics occur at pp. 438, 439, 440, 442, indices 2, 3, 4, 6","2025 edition is as of Jan. 1, 2025; production footer July 31, 2025. Candidate 2026 item not established","Fresh 2026-10-27: extracted prose pp. 436–437; later page headers/graphic markers. Screenshot attempts at indices 2, 3, 4, 6 returned placeholders. No visual equation read. 2026 route inaccessible."],["R004-P2-S005","CFPB, current-page equation assets. https://files.consumerfinance.gov/eregulations/ER22DE11.062-1.png; https://files.consumerfinance.gov/eregulations/ER22DE11.062-2.png; https://files.consumerfinance.gov/eregulations/ER22DE11.063-1.png; https://files.consumerfinance.gov/eregulations/ER22DE11.063-2.png; https://files.consumerfinance.gov/eregulations/ER22DE11.064-1.png; https://files.consumerfinance.gov/eregulations/ER22DE11.066-1.png","Respectively: general symbols, example symbols, general equation, iteration, regular form/example, odd-final form/example","Linked by the current CFPB page; filenames are not independently verified effective dates","Fresh attempts 2026-10-27: each returned an unreadable image placeholder. No actual image content read. Same underlying appendix, not six independent authorities."],["R004-P2-S006","CFPB, §1026.22 and official interpretations. https://www.consumerfinance.gov/rules-policy/regulations/1026/22/","(a)(1)–(3); comments 22(a)(1)-1–5; (b)(1)–(2) and comments","Current-page designation","Fresh 2026-10-27: complete clauses/comments relied upon read. Mortgage-specific tolerances and unrelated shortcuts not applied."],["R004-P2-S007","CFPB/OFR/GPO, 2011 Regulation Z republication, 76 FR 79768. https://www.federalregister.gov/documents/2011/12/22/2011-31715/truth-in-lending-regulation-z; https://www.govinfo.gov/app/details/FR-2011-12-22/2011-31715; https://www.govinfo.gov/content/pkg/FR-2011-12-22/html/2011-31715.htm; https://www.govinfo.gov/content/pkg/FR-2011-12-22/pdf/2011-31715.pdf","Preamble summary, dates, II.A–B; Appendix J introduction and (b)(1)–(6); missing equation-page markers 79902–79910","Published 2011-12-22; effective 2011-12-30 as stated in the readable rule rendering. Later finalized subject to amendments","Fresh 2026-10-27: selected FederalRegister.gov body read, not the entire rule. That site identifies its XML rendering as informational, not the official legal edition. GovInfo HTML inaccessible; PDF rejected as too large; details page returned no body. PDF indices not established."],["R004-P2-S008","CFPB/GPO, Finalization of Interim Final Rules, 81 FR 25323–25326. https://www.govinfo.gov/content/pkg/FR-2016-04-28/html/2016-09431.htm","Summary; dates; I–IV; Authority and Issuance, item M","Dated 2016-04-12; published/effective 2016-04-28","Fresh 2026-10-27: rule text read, including final operative item M. Listed intervening rulemakings were not individually audited. Establishes finalization relationship, not 2026 equation identity."],["R004-P2-S009","Reviewed P01 legal-input foundation, supplied by coordinator: CFPB §§4, 18 and index. https://www.consumerfinance.gov/rules-policy/regulations/1026/4/; https://www.consumerfinance.gov/rules-policy/regulations/1026/18/; https://www.consumerfinance.gov/rules-policy/regulations/1026/","§4(c)(1); §18(b)(3), comment 18(b)(3)-1; comment 18(g)-1; §18(d)(2); part-wide amendment metadata","Supplied selected-body review dated 2026-10-27; index metadata April 8, 2026 remains part-wide","Reused reviewed evidence, not a fresh P02 body read. Supports only the supplied fee/amount-financed/payment/tolerance premises. Not blanket currentness certification."],["R004-P2-S010","Coordinator-supplied E05 numerical foundation and this chat’s P01 E05. No external URL; none invented","Supplied advance, 12 payments, fee branches, cash totals, two roots, and review limits","Review timestamp supplied: 2026-10-27T20:31:51.105871Z","Reused reviewed premises. No new root recomputation or schedule generation claimed. Same-coordinator review, not independent review."]]},{"headers":["Claim ID","Area","Assertion","Source and exact pinpoint","Conditions, units, and status"],"index":10,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Claim ID","Area","Assertion","Source and exact pinpoint","Conditions, units, and status"],["R004-P2-C001","A004","P01 numerical premises and review limits are reused without correction or rerun.","S010; supplied P02 foundation","Provenance statement; no independent review claimed."],["R004-P2-C002","A004","Current CFPB Appendix J prose was readable, but its operative equation assets were not.","S001, (b)(7)–(9), (c)(1), (c)(3); S005","Fresh partial current-body read."],["R004-P2-C003","A004","The fresh eCFR response displayed currency through October 23, 2026 and body only through (b)(6).","S002, metadata and body endpoint","Title-wide currency; later equation content not recovered."],["R004-P2-C004","A004","An official Federal Reserve rendering supplied readable mathematical text but references §226.22.","S003, (a)(1), (b)(7)–(9), (c)(1)/(3)","Current Part 1026 identity not established."],["R004-P2-C005","A004","Appendix J’s q_k is a period count; its rate symbol is i.","S003, (b)(7), table 1","P01’s q maps to i, not to q_k."],["R004-P2-C006","A004","The source’s annuity-due function contains x terms beginning at exponent zero.","S003, (b)(7), table 2/figures 1–2","Plain-text normalization a_due(x,i) explicitly identified."],["R004-P2-C007","A004","The recovered general equation equates discounted advances and payments using separate whole/fractional factors.","S003, (b)(8), figure 3","Equation transcription; current-version limit retained."],["R004-P2-C008","A004","Fractional factors are linear in the rate, not fractional powers of 1+i.","S003, (b)(8); S001–S002, (b)(6)","For E05 all fractions are conditionally zero."],["R004-P2-C009","A004","The recovered iteration update uses a 0.1 annual-percentage-point step and the signed ratio shown in §3.","S003, (b)(9)(i), figures 4–5","Percentage-number units; no new E05 iteration executed."],["R004-P2-C010","A004","Two retrieved iteration-result lines were truncated and were not silently corrected.","S003, (b)(9)(i), step 4","Extraction/source cause unresolved without inspectable counterpart."],["R004-P2-C011","A004","The precision instruction requires adequate retained decimals and iteration for reliable two-decimal rounding.","S001 and S003, (b)(9)(ii)","Does not itself verify inputs, method version, or software."],["R004-P2-C012","A004","The regular single-advance form uses P*a_due(n,i) with the first-period discount factor.","S003, (c)(1), figure 6","Recovered text; regular form cannot silently erase E05’s last-payment difference."],["R004-P2-C013","A004","The recovered monthly regular example reports 9.69% for its stated $5,000/24×$230 example.","S003, (c)(1), example (i)","Reported source example, not a newly computed current legal result."],["R004-P2-C014","A004","The odd-final form separates n-1 ordinary payments from P_n.","S003, (c)(3), figure 8","Applicable candidate structure for E05, subject to version/timing predicates."],["R004-P2-C015","A004","The recovered monthly odd-final example reports 10.50% with its $280 final payment.","S003, (c)(3), example (i)","Same source-version limit; no live rate or borrower data."],["R004-P2-C016","A004","Term beginning is governed by consummation and the specified later-earning provision.","S001–S002, (b)(2)","E05’s relative t=0 must be mapped conditionally; no actual date established."],["R004-P2-C017","A004","Monthly unit selection and full-month counting require the stated Appendix J rules.","S001–S002, (b)(3)(iv), (b)(4)(i), (b)(5)(ii)","Equal model months alone do not establish actual calendar facts."],["R004-P2-C018","A004","Nominal annualization multiplies the unit-period rate by annual frequency; mathematical effective annualization is different.","S001, (b)(1), (b)(5)(ii); S003, (b)(7); S010","Monthly nominal percentage is 1200*i; effective formula retained from reviewed foundation."],["R004-P2-C019","A004","Actuarial/United States Rule computation descriptions do not establish servicing capitalization permission.","S006, comments 22(a)(1)-1–3; S001, (a)","Actuarial mapping only; full capitalization law remains outside scope."],["R004-P2-C020","A004","E05 maps to one advance, twelve payments, zero fractional offsets, and a distinct last amount only under the stated predicates.","S010; mapping in §5.1; S001 timing clauses","Conditional mapping, not an actual contract finding."],["R004-P2-C021","A004","The recovered odd-final form reduces exactly to the reviewed E05 present-value equation.","Algebra in §5.2 from C006/C014/C020","New algebraic derivation; no legal-currentness inference."],["R004-P2-C022","A004","Included and excluded fee branches use different conditional amount-financed inputs without changing note principal.","S009, §18(b)(3), comment 1; S010","Classification must be satisfied, not elected."],["R004-P2-C023","A004","The upfront fee is not duplicated as another repayment-schedule charge.","S009, comment 18(g)-1; S010","Separate-paid and withheld structures remain alternatives."],["R004-P2-C024","A004","P01’s two roots and effective equivalents remain numerical results in P02.","S010; §5.4","No new legal APR label or recomputation."],["R004-P2-C025","A004","General and defined-irregular APR allowances are ±0.125 and ±0.25 percentage point respectively.","S006, §22(a)(2)–(3)","Not relative-percent errors; odd first period/first/final payment alone excluded from irregular definition."],["R004-P2-C026","A004","Numerical precision or an accuracy allowance does not establish correct legal inputs and method application.","S006, §22(b)(2), comment 22(a)(1)-5","No compliance or tool-acceptance claim."],["R004-P2-C027","A004","Finance-charge dollar tolerances are a separate issue.","S009, reviewed §18(d)(2)","Reused foundation; not an APR method or fee-classification cure."],["R004-P2-C028","A004","The 2011 rule establishes the recodification connection and states a December 30, 2011 effective date.","S007, summary, dates, II.A–B","Selected historical body read; not complete current equation verification."],["R004-P2-C029","A004","The 2016 rule finalized the 2011 rules subject to intervening amendments.","S008, summary/dates; Authority and Issuance M","Effective April 28, 2016; listed amendments not all independently examined."],["R004-P2-C030","A004","The complete current equation/version predicate remains unsatisfied.","S001–S008; failure log","Legacy text, current prose, and historical continuity do not finish the missing operator-level comparison."],["R004-P2-C031","A004","The legal APR hold therefore remains for every E05 classification branch.","C020–C030","No actual charge, calculator, operation, publication, or parent A004 acceptance follows."]]},{"headers":["Requested component","Status and reason","Claim links","Exact missing authority/input and next bounded action"],"index":11,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Requested component","Status and reason","Claim links","Exact missing authority/input and next bounded action"],["A — (b)(7) general symbols","Partial: readable official legacy-numbered text recovered","C004–C006","Compare all symbols with an actually readable current Part 1026 panel."],["A — (b)(7) example symbols","Partial: annuity-due and annualization notation recovered","C006, C018","Current panel comparison remains; retain explicit notation normalization."],["A — (b)(8) general equation","Partial: complete recovered text transcribed","C007–C008","Verify current operators, parentheses, exponents, and denominators against a readable current official rendering."],["A — (b)(9) iteration expression","Partial: update expression and units read","C009","Current equation panel still unreadable."],["A — (b)(9) complete numerical illustration","Partial: most figures read; two later result lines truncated","C010–C011","Inspect an untruncated official counterpart; do not infer missing prefixes as source text."],["A — (c)(1) regular form","Partial: complete recovered expression read","C012","Current-version comparison remains."],["A — (c)(1) relevant monthly example","Partial: complete relevant source example read","C013","Verify current counterpart; source’s example dates do not date the edition."],["A — (c)(3) odd-final form","Partial: complete recovered expression read","C014","Current-version comparison remains."],["A — (c)(3) relevant monthly example","Partial: complete relevant source example read","C015","Verify current counterpart and reported figures."],["A — Necessary definitions/unit periods/date counting","Answered at current prose level","C016–C018","No missing prose for the stipulated monthly mapping; actual-date application remains conditional."],["A — Other necessary clauses","Answered narrowly","C019, C022–C023, C025–C029","§22 freshly read; fee/payment premises reused from reviewed §4/§18 foundation. No wider rerun."],["A — Text versus pixels","Answered explicitly","C002–C004, C010","No PDF/image pixels successfully inspected; only Federal Reserve mathematical text recovered."],["A — Exact locations/pages/indices","Answered where established","Source table and page cross-reference","FRRS HTML has no printed page; 2011 PDF indices not established; annual-CFR structural mapping expressly qualified."],["A — Currentness/recodification","Partial","C028–C030","Need current equation identity or an adequate edition-plus-relevant-amendment comparison. A 2025 edition or part-wide metadata alone is insufficient."],["B — Single advance/equal months/adjusted last payment","Answered as conditional mapping","C020–C021","Term beginning and legal month alignment must match the stipulated relative times."],["B — Note principal versus amount financed/finance charge","Answered using reviewed premises","C022–C024","Actual fee-classification conditions remain unestablished by design."],["B — Advance/payment time symbols","Answered","C005, C016–C017, C020","No real consummation, accrual-start, or due dates exist in these inputs."],["B — Nominal versus effective annualization","Answered","C018, C024","No use of the 1% note rate as the fee-inclusive calculation rate."],["B — Actuarial versus United States Rule","Answered only as necessary boundary","C019","No separate United States Rule implementation or capitalization-law conclusion."],["B — Formula availability versus applicability","Answered","C020–C021, C030","Algebraic match does not resolve the version and timing predicates."],["C — No-fee/included/excluded inputs","Answered conditionally","C022–C024","No classification election; no new borrower facts."],["C — Newly established legal-method result","Unresolved/held","C030–C031","Complete current method/version read not established. No legally labeled E05 number issued."],["C — Comparison with reviewed roots","Answered algebraically","C021, C024","Roots reused; not relabeled or recomputed."],["C — Precision/iteration/rounding","Partial for official illustrated figures; answered as rule distinction","C009–C011, C026","Truncated illustration and current equation comparison remain."],["C — §22(a)(2)/(3) allowances","Answered","C025–C026","Adjusted last payment alone does not invoke quarter-point treatment."],["C — Separate dollar tolerance","Answered from reviewed foundation","C027","Does not establish fee inclusion or validate a defective method."],["D — Exact bounded discovery/read/failure evidence","Answered","Source table; failure log","No unchanged repetitive recovery loop undertaken."],["D — Preserve P01 models and hold","Answered","C001, C024, C031","All six reviewed models preserved; no full schedules generated."],["D — Precise next public-source action","Answered below","C030–C031","Obtain genuinely readable current equation content and complete the targeted comparison before legal relabeling."],["D — No unrelated parent expansion","Observed","Remaining-dimensions table","All other parent subjects remain held."]]},{"headers":["Exact URL(s)","Action and content extent","Result/error","Specific remaining gap"],"index":12,"links":[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/j/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1026/j/"},{"href":"https://www.ecfr.gov/current/title-12/chapter-X/part-1026/appendix-Appendix%20J%20to%20Part%201026?utm_source=chatgpt.com","text":"https://www.ecfr.gov/current/title-12/chapter-X/part-1026/appendix-Appendix%20J%20to%20Part%201026"},{"href":"https://files.consumerfinance.gov/eregulations/ER22DE11.062-1.png","text":"https://files.consumerfinance.gov/eregulations/ER22DE11.062-1.png"},{"href":"https://files.consumerfinance.gov/eregulations/ER22DE11.062-2.png","text":"https://files.consumerfinance.gov/eregulations/ER22DE11.062-2.png"},{"href":"https://files.consumerfinance.gov/eregulations/ER22DE11.063-1.png","text":"https://files.consumerfinance.gov/eregulations/ER22DE11.063-1.png"},{"href":"https://files.consumerfinance.gov/eregulations/ER22DE11.063-2.png","text":"https://files.consumerfinance.gov/eregulations/ER22DE11.063-2.png"},{"href":"https://files.consumerfinance.gov/eregulations/ER22DE11.064-1.png","text":"https://files.consumerfinance.gov/eregulations/ER22DE11.064-1.png"},{"href":"https://files.consumerfinance.gov/eregulations/ER22DE11.066-1.png","text":"https://files.consumerfinance.gov/eregulations/ER22DE11.066-1.png"},{"href":"https://www.govinfo.gov/content/pkg/CFR-2025-title12-vol9/pdf/CFR-2025-title12-vol9-part1026-appJ.pdf?utm_source=chatgpt.com","text":"https://www.govinfo.gov/content/pkg/CFR-2025-title12-vol9/pdf/CFR-2025-title12-vol9-part1026-appJ.pdf"},{"href":"https://www.govinfo.gov/content/pkg/CFR-2026-title12-vol9/pdf/CFR-2026-title12-vol9-part1026-appJ.pdf","text":"https://www.govinfo.gov/content/pkg/CFR-2026-title12-vol9/pdf/CFR-2026-title12-vol9-part1026-appJ.pdf"},{"href":"https://www.federalreserve.gov/frrs/regulations/appendix-j-annual-percentage-rate-computations-for-closed-end-credit-transactions-reg-z.htm?utm_source=chatgpt.com","text":"https://www.federalreserve.gov/frrs/regulations/appendix-j-annual-percentage-rate-computations-for-closed-end-credit-transactions-reg-z.htm"},{"href":"https://www.govinfo.gov/content/pkg/FR-2011-12-22/html/2011-31715.htm","text":"https://www.govinfo.gov/content/pkg/FR-2011-12-22/html/2011-31715.htm"},{"href":"https://www.govinfo.gov/content/pkg/FR-2011-12-22/pdf/2011-31715.pdf","text":"https://www.govinfo.gov/content/pkg/FR-2011-12-22/pdf/2011-31715.pdf"},{"href":"https://www.govinfo.gov/app/details/FR-2011-12-22/2011-31715?utm_source=chatgpt.com","text":"https://www.govinfo.gov/app/details/FR-2011-12-22/2011-31715"},{"href":"https://www.federalregister.gov/documents/2011/12/22/2011-31715/truth-in-lending-regulation-z?utm_source=chatgpt.com","text":"https://www.federalregister.gov/documents/2011/12/22/2011-31715/truth-in-lending-regulation-z"},{"href":"https://www.govinfo.gov/content/pkg/FR-2016-04-28/html/2016-09431.htm?utm_source=chatgpt.com","text":"https://www.govinfo.gov/content/pkg/FR-2016-04-28/html/2016-09431.htm"}],"row_links":[[],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/j/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1026/j/"}],[{"href":"https://www.ecfr.gov/current/title-12/chapter-X/part-1026/appendix-Appendix%20J%20to%20Part%201026?utm_source=chatgpt.com","text":"https://www.ecfr.gov/current/title-12/chapter-X/part-1026/appendix-Appendix%20J%20to%20Part%201026"}],[{"href":"https://files.consumerfinance.gov/eregulations/ER22DE11.062-1.png","text":"https://files.consumerfinance.gov/eregulations/ER22DE11.062-1.png"},{"href":"https://files.consumerfinance.gov/eregulations/ER22DE11.062-2.png","text":"https://files.consumerfinance.gov/eregulations/ER22DE11.062-2.png"}],[{"href":"https://files.consumerfinance.gov/eregulations/ER22DE11.063-1.png","text":"https://files.consumerfinance.gov/eregulations/ER22DE11.063-1.png"},{"href":"https://files.consumerfinance.gov/eregulations/ER22DE11.063-2.png","text":"https://files.consumerfinance.gov/eregulations/ER22DE11.063-2.png"}],[{"href":"https://files.consumerfinance.gov/eregulations/ER22DE11.064-1.png","text":"https://files.consumerfinance.gov/eregulations/ER22DE11.064-1.png"},{"href":"https://files.consumerfinance.gov/eregulations/ER22DE11.066-1.png","text":"https://files.consumerfinance.gov/eregulations/ER22DE11.066-1.png"}],[{"href":"https://www.govinfo.gov/content/pkg/CFR-2025-title12-vol9/pdf/CFR-2025-title12-vol9-part1026-appJ.pdf?utm_source=chatgpt.com","text":"https://www.govinfo.gov/content/pkg/CFR-2025-title12-vol9/pdf/CFR-2025-title12-vol9-part1026-appJ.pdf"}],[{"href":"https://www.govinfo.gov/content/pkg/CFR-2026-title12-vol9/pdf/CFR-2026-title12-vol9-part1026-appJ.pdf","text":"https://www.govinfo.gov/content/pkg/CFR-2026-title12-vol9/pdf/CFR-2026-title12-vol9-part1026-appJ.pdf"}],[{"href":"https://www.federalreserve.gov/frrs/regulations/appendix-j-annual-percentage-rate-computations-for-closed-end-credit-transactions-reg-z.htm?utm_source=chatgpt.com","text":"https://www.federalreserve.gov/frrs/regulations/appendix-j-annual-percentage-rate-computations-for-closed-end-credit-transactions-reg-z.htm"}],[{"href":"https://www.govinfo.gov/content/pkg/FR-2011-12-22/html/2011-31715.htm","text":"https://www.govinfo.gov/content/pkg/FR-2011-12-22/html/2011-31715.htm"}],[{"href":"https://www.govinfo.gov/content/pkg/FR-2011-12-22/pdf/2011-31715.pdf","text":"https://www.govinfo.gov/content/pkg/FR-2011-12-22/pdf/2011-31715.pdf"}],[{"href":"https://www.govinfo.gov/app/details/FR-2011-12-22/2011-31715?utm_source=chatgpt.com","text":"https://www.govinfo.gov/app/details/FR-2011-12-22/2011-31715"}],[{"href":"https://www.federalregister.gov/documents/2011/12/22/2011-31715/truth-in-lending-regulation-z?utm_source=chatgpt.com","text":"https://www.federalregister.gov/documents/2011/12/22/2011-31715/truth-in-lending-regulation-z"}],[{"href":"https://www.govinfo.gov/content/pkg/FR-2016-04-28/html/2016-09431.htm?utm_source=chatgpt.com","text":"https://www.govinfo.gov/content/pkg/FR-2016-04-28/html/2016-09431.htm"}],[]],"rows":[["Exact URL(s)","Action and content extent","Result/error","Specific remaining gap"],["https://www.consumerfinance.gov/rules-policy/regulations/1026/j/","Opened relevant body through examples and followed six relevant equation links","Prose readable; equations represented by image links","Complete current equation content"],["https://www.ecfr.gov/current/title-12/chapter-X/part-1026/appendix-Appendix%20J%20to%20Part%201026","Opened current public page","Readable introduction through (b)(6); later equation content absent from response","Current symbols, equation, iteration, and example panels"],["https://files.consumerfinance.gov/eregulations/ER22DE11.062-1.png; https://files.consumerfinance.gov/eregulations/ER22DE11.062-2.png","Followed both symbol assets once in P02","Unreadable image placeholders","Current symbol definitions as actual image/text content"],["https://files.consumerfinance.gov/eregulations/ER22DE11.063-1.png; https://files.consumerfinance.gov/eregulations/ER22DE11.063-2.png","Followed general-equation and iteration assets once","Unreadable image placeholders","Current operators and clean iteration panel"],["https://files.consumerfinance.gov/eregulations/ER22DE11.064-1.png; https://files.consumerfinance.gov/eregulations/ER22DE11.066-1.png","Followed regular/odd-final assets once","Unreadable image placeholders","Current special forms and examples"],["https://www.govinfo.gov/content/pkg/CFR-2025-title12-vol9/pdf/CFR-2025-title12-vol9-part1026-appJ.pdf","Read extracted text; attempted supported screenshots at indices 2, 3, 4, 6","Prose and graphic markers readable; screenshots returned placeholders","No visual comparison; historical edition also does not establish October 2026 currency"],["https://www.govinfo.gov/content/pkg/CFR-2026-title12-vol9/pdf/CFR-2026-title12-vol9-part1026-appJ.pdf","Tried one candidate newer annual-CFR route","“Not accessible via this tool”","Publication/content status not established; no 2026 text read"],["https://www.federalreserve.gov/frrs/regulations/appendix-j-annual-percentage-rate-computations-for-closed-end-credit-transactions-reg-z.htm","Read relevant body and mathematical markup","Successful text recovery; §226 reference; apparent truncation in later iteration figures","Current Part 1026 equivalence and clean numerical illustration"],["https://www.govinfo.gov/content/pkg/FR-2011-12-22/html/2011-31715.htm","Tried official historical HTML route once","Inaccessible","Historical operative equation counterpart not recovered there"],["https://www.govinfo.gov/content/pkg/FR-2011-12-22/pdf/2011-31715.pdf","Tried official historical PDF once","Fetch rejected: content length too large, reported 40,909,875 bytes","Official PDF equation pages not read"],["https://www.govinfo.gov/app/details/FR-2011-12-22/2011-31715","Opened document-details page","Zero readable body lines","Metadata page did not supply operative text"],["https://www.federalregister.gov/documents/2011/12/22/2011-31715/truth-in-lending-regulation-z","Read selected republication provisions and Appendix J area","Prose recovered; equation area reduced to printed-page markers","Historical equation comparison still incomplete"],["https://www.govinfo.gov/content/pkg/FR-2016-04-28/html/2016-09431.htm","Read finalization rule and operative item M","Successful text read","Establishes historical connection, not complete subsequent-currentness proof"],["Search discovery","Searched for official Appendix J renderings and relevant republication material","Located Federal Reserve text and official historical rule sources","Snippets were not treated as operative equation reads"]]},{"headers":["Check","Outcome"],"index":13,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Check","Outcome"],["Preserve reviewed P01 arithmetic","Done; no material correction asserted and no six-model rerun"],["Identify new evidence honestly","Federal Reserve mathematical text distinguished from current unread image assets"],["Preserve source operators","Whole-period exponents, linear fractional factors, outer discount factor, and odd-final-payment term explicitly checked"],["Avoid symbol collision","P01 rate q distinguished from Appendix J period-count q_k"],["Keep classification separate","$9,700/$10,000 inputs remain conditional; no fee-classification election"],["Keep timing separate","Relative months not turned into actual consummation or due dates"],["Keep annualizations separate","Nominal 100*w*i not confused with mathematical effective annualization"],["Preserve cash conservation","Reviewed schedule/fee cash identities retained; no duplicated $300"],["Avoid invented transcription","Truncated iteration figures disclosed rather than silently completed"],["Avoid invented currentness","Part 226 rendering, 2011 republication, 2016 finalization, 2025 edition, and current displays treated separately"],["Avoid false legal result","Legal APR held in every E05 branch"],["Review status","This is the researcher’s self-check, not independent review"]]},{"headers":["Parent dimension","Status after P02"],"index":14,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Parent dimension","Status after P02"],["Complete compound-interest and capitalization law","Held"],["Open-end credit/cards, daily periodic rates, grace periods","Held"],["Minimum-payment and negative-amortization law","Held"],["Variable rates, penalty rates, deferred interest","Held"],["Late fees and collection costs","Held"],["Product-specific mortgage, auto, student, payday, BNPL, and commercial rules","Held"],["State, local, tribal, country, and individual-contract rules","Held"],["Broader irregular/odd-day/multiple-advance APR methods and complete current Appendix J verification","Held beyond the recovered material identified here"],["Prepayment, rebates, penalties, add-on/precomputed interest, Rule of 78s","Held"],["Calculator/tool validation and error handling","Held"],["Bankruptcy, tax, settlement, and credit intersections","Held"],["Actual charging, operations, publication, calculator acceptance, and parent A004 acceptance","Not granted by this pass"]]}],"claims":[{"claim_id":"R004-P2-C001","area_numbers":[4],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"R004-P2-C001","Area":"A004","Assertion":"P01 numerical premises and review limits are reused without correction or rerun.","Source and exact pinpoint":"S010; supplied P02 foundation","Conditions, units, and status":"Provenance statement; no independent review claimed."},"coordinator_verification_status":"supported_bounded_partial_recovery_or_conditional_model_with_current_legal_APR_hold","coordinator_review":"[internal evidence reference]"},{"claim_id":"R004-P2-C002","area_numbers":[4],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"R004-P2-C002","Area":"A004","Assertion":"Current CFPB Appendix J prose was readable, but its operative equation assets were not.","Source and exact pinpoint":"S001, (b)(7)–(9), (c)(1), (c)(3); S005","Conditions, units, and status":"Fresh partial current-body read."},"coordinator_verification_status":"supported_bounded_partial_recovery_or_conditional_model_with_current_legal_APR_hold","coordinator_review":"[internal evidence reference]"},{"claim_id":"R004-P2-C003","area_numbers":[4],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"R004-P2-C003","Area":"A004","Assertion":"The fresh eCFR response displayed currency through October 23, 2026 and body only through (b)(6).","Source and exact pinpoint":"S002, metadata and body endpoint","Conditions, units, and status":"Title-wide currency; later equation content not recovered."},"coordinator_verification_status":"supported_bounded_partial_recovery_or_conditional_model_with_current_legal_APR_hold","coordinator_review":"[internal evidence reference]"},{"claim_id":"R004-P2-C004","area_numbers":[4],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"R004-P2-C004","Area":"A004","Assertion":"An official Federal Reserve rendering supplied readable mathematical text but references §226.22.","Source and exact pinpoint":"S003, (a)(1), (b)(7)–(9), (c)(1)/(3)","Conditions, units, and status":"Current Part 1026 identity not established."},"coordinator_verification_status":"supported_bounded_partial_recovery_or_conditional_model_with_current_legal_APR_hold","coordinator_review":"[internal evidence reference]"},{"claim_id":"R004-P2-C005","area_numbers":[4],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"R004-P2-C005","Area":"A004","Assertion":"Appendix J’s q_k is a period count; its rate symbol is i.","Source and exact pinpoint":"S003, (b)(7), table 1","Conditions, units, and status":"P01’s q maps to i, not to q_k."},"coordinator_verification_status":"supported_bounded_partial_recovery_or_conditional_model_with_current_legal_APR_hold","coordinator_review":"[internal evidence reference]"},{"claim_id":"R004-P2-C006","area_numbers":[4],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"R004-P2-C006","Area":"A004","Assertion":"The source’s annuity-due function contains x terms beginning at exponent zero.","Source and exact pinpoint":"S003, (b)(7), table 2/figures 1–2","Conditions, units, and status":"Plain-text normalization a_due(x,i) explicitly identified."},"coordinator_verification_status":"supported_bounded_partial_recovery_or_conditional_model_with_current_legal_APR_hold","coordinator_review":"[internal evidence reference]"},{"claim_id":"R004-P2-C007","area_numbers":[4],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"R004-P2-C007","Area":"A004","Assertion":"The recovered general equation equates discounted advances and payments using separate whole/fractional factors.","Source and exact pinpoint":"S003, (b)(8), figure 3","Conditions, units, and status":"Equation transcription; current-version limit retained."},"coordinator_verification_status":"supported_bounded_partial_recovery_or_conditional_model_with_current_legal_APR_hold","coordinator_review":"[internal evidence reference]"},{"claim_id":"R004-P2-C008","area_numbers":[4],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"R004-P2-C008","Area":"A004","Assertion":"Fractional factors are linear in the rate, not fractional powers of 1+i.","Source and exact pinpoint":"S003, (b)(8); S001–S002, (b)(6)","Conditions, units, and status":"For E05 all fractions are conditionally zero."},"coordinator_verification_status":"supported_bounded_partial_recovery_or_conditional_model_with_current_legal_APR_hold","coordinator_review":"[internal evidence reference]"},{"claim_id":"R004-P2-C009","area_numbers":[4],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"R004-P2-C009","Area":"A004","Assertion":"The recovered iteration update uses a 0.1 annual-percentage-point step and the signed ratio shown in §3.","Source and exact pinpoint":"S003, (b)(9)(i), figures 4–5","Conditions, units, and status":"Percentage-number units; no new E05 iteration executed."},"coordinator_verification_status":"supported_bounded_partial_recovery_or_conditional_model_with_current_legal_APR_hold","coordinator_review":"[internal evidence reference]"},{"claim_id":"R004-P2-C010","area_numbers":[4],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"R004-P2-C010","Area":"A004","Assertion":"Two retrieved iteration-result lines were truncated and were not silently corrected.","Source and exact pinpoint":"S003, (b)(9)(i), step 4","Conditions, units, and status":"Extraction/source cause unresolved without inspectable counterpart."},"coordinator_verification_status":"supported_bounded_partial_recovery_or_conditional_model_with_current_legal_APR_hold","coordinator_review":"[internal evidence reference]"},{"claim_id":"R004-P2-C011","area_numbers":[4],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"R004-P2-C011","Area":"A004","Assertion":"The precision instruction requires adequate retained decimals and iteration for reliable two-decimal rounding.","Source and exact pinpoint":"S001 and S003, (b)(9)(ii)","Conditions, units, and status":"Does not itself verify inputs, method version, or software."},"coordinator_verification_status":"supported_bounded_partial_recovery_or_conditional_model_with_current_legal_APR_hold","coordinator_review":"[internal evidence reference]"},{"claim_id":"R004-P2-C012","area_numbers":[4],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"R004-P2-C012","Area":"A004","Assertion":"The regular single-advance form uses P*a_due(n,i) with the first-period discount factor.","Source and exact pinpoint":"S003, (c)(1), figure 6","Conditions, units, and status":"Recovered text; regular form cannot silently erase E05’s last-payment difference."},"coordinator_verification_status":"supported_bounded_partial_recovery_or_conditional_model_with_current_legal_APR_hold","coordinator_review":"[internal evidence reference]"},{"claim_id":"R004-P2-C013","area_numbers":[4],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"R004-P2-C013","Area":"A004","Assertion":"The recovered monthly regular example reports 9.69% for its stated $5,000/24×$230 example.","Source and exact pinpoint":"S003, (c)(1), example (i)","Conditions, units, and status":"Reported source example, not a newly computed current legal result."},"coordinator_verification_status":"supported_bounded_partial_recovery_or_conditional_model_with_current_legal_APR_hold","coordinator_review":"[internal evidence reference]"},{"claim_id":"R004-P2-C014","area_numbers":[4],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"R004-P2-C014","Area":"A004","Assertion":"The odd-final form separates n-1 ordinary payments from P_n.","Source and exact pinpoint":"S003, (c)(3), figure 8","Conditions, units, and status":"Applicable candidate structure for E05, subject to version/timing predicates."},"coordinator_verification_status":"supported_bounded_partial_recovery_or_conditional_model_with_current_legal_APR_hold","coordinator_review":"[internal evidence reference]"},{"claim_id":"R004-P2-C015","area_numbers":[4],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"R004-P2-C015","Area":"A004","Assertion":"The recovered monthly odd-final example reports 10.50% with its $280 final payment.","Source and exact pinpoint":"S003, (c)(3), example (i)","Conditions, units, and status":"Same source-version limit; no live rate or borrower data."},"coordinator_verification_status":"supported_bounded_partial_recovery_or_conditional_model_with_current_legal_APR_hold","coordinator_review":"[internal evidence reference]"},{"claim_id":"R004-P2-C016","area_numbers":[4],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"R004-P2-C016","Area":"A004","Assertion":"Term beginning is governed by consummation and the specified later-earning provision.","Source and exact pinpoint":"S001–S002, (b)(2)","Conditions, units, and status":"E05’s relative t=0 must be mapped conditionally; no actual date established."},"coordinator_verification_status":"supported_bounded_partial_recovery_or_conditional_model_with_current_legal_APR_hold","coordinator_review":"[internal evidence reference]"},{"claim_id":"R004-P2-C017","area_numbers":[4],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"R004-P2-C017","Area":"A004","Assertion":"Monthly unit selection and full-month counting require the stated Appendix J rules.","Source and exact pinpoint":"S001–S002, (b)(3)(iv), (b)(4)(i), (b)(5)(ii)","Conditions, units, and status":"Equal model months alone do not establish actual calendar facts."},"coordinator_verification_status":"supported_bounded_partial_recovery_or_conditional_model_with_current_legal_APR_hold","coordinator_review":"[internal evidence reference]"},{"claim_id":"R004-P2-C018","area_numbers":[4],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"R004-P2-C018","Area":"A004","Assertion":"Nominal annualization multiplies the unit-period rate by annual frequency; mathematical effective annualization is different.","Source and exact pinpoint":"S001, (b)(1), (b)(5)(ii); S003, (b)(7); S010","Conditions, units, and status":"Monthly nominal percentage is 1200*i; effective formula retained from reviewed foundation."},"coordinator_verification_status":"supported_bounded_partial_recovery_or_conditional_model_with_current_legal_APR_hold","coordinator_review":"[internal evidence reference]"},{"claim_id":"R004-P2-C019","area_numbers":[4],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"R004-P2-C019","Area":"A004","Assertion":"Actuarial/United States Rule computation descriptions do not establish servicing capitalization permission.","Source and exact pinpoint":"S006, comments 22(a)(1)-1–3; S001, (a)","Conditions, units, and status":"Actuarial mapping only; full capitalization law remains outside scope."},"coordinator_verification_status":"supported_bounded_partial_recovery_or_conditional_model_with_current_legal_APR_hold","coordinator_review":"[internal evidence reference]"},{"claim_id":"R004-P2-C020","area_numbers":[4],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"R004-P2-C020","Area":"A004","Assertion":"E05 maps to one advance, twelve payments, zero fractional offsets, and a distinct last amount only under the stated predicates.","Source and exact pinpoint":"S010; mapping in §5.1; S001 timing clauses","Conditions, units, and status":"Conditional mapping, not an actual contract finding."},"coordinator_verification_status":"supported_bounded_partial_recovery_or_conditional_model_with_current_legal_APR_hold","coordinator_review":"[internal evidence reference]"},{"claim_id":"R004-P2-C021","area_numbers":[4],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"R004-P2-C021","Area":"A004","Assertion":"The recovered odd-final form reduces exactly to the reviewed E05 present-value equation.","Source and exact pinpoint":"Algebra in §5.2 from C006/C014/C020","Conditions, units, and status":"New algebraic derivation; no legal-currentness inference."},"coordinator_verification_status":"supported_bounded_partial_recovery_or_conditional_model_with_current_legal_APR_hold","coordinator_review":"[internal evidence reference]"},{"claim_id":"R004-P2-C022","area_numbers":[4],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"R004-P2-C022","Area":"A004","Assertion":"Included and excluded fee branches use different conditional amount-financed inputs without changing note principal.","Source and exact pinpoint":"S009, §18(b)(3), comment 1; S010","Conditions, units, and status":"Classification must be satisfied, not elected."},"coordinator_verification_status":"supported_bounded_partial_recovery_or_conditional_model_with_current_legal_APR_hold","coordinator_review":"[internal evidence reference]"},{"claim_id":"R004-P2-C023","area_numbers":[4],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"R004-P2-C023","Area":"A004","Assertion":"The upfront fee is not duplicated as another repayment-schedule charge.","Source and exact pinpoint":"S009, comment 18(g)-1; S010","Conditions, units, and status":"Separate-paid and withheld structures remain alternatives."},"coordinator_verification_status":"supported_bounded_partial_recovery_or_conditional_model_with_current_legal_APR_hold","coordinator_review":"[internal evidence reference]"},{"claim_id":"R004-P2-C024","area_numbers":[4],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"R004-P2-C024","Area":"A004","Assertion":"P01’s two roots and effective equivalents remain numerical results in P02.","Source and exact pinpoint":"S010; §5.4","Conditions, units, and status":"No new legal APR label or recomputation."},"coordinator_verification_status":"supported_bounded_partial_recovery_or_conditional_model_with_current_legal_APR_hold","coordinator_review":"[internal evidence reference]"},{"claim_id":"R004-P2-C025","area_numbers":[4],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"R004-P2-C025","Area":"A004","Assertion":"General and defined-irregular APR allowances are ±0.125 and ±0.25 percentage point respectively.","Source and exact pinpoint":"S006, §22(a)(2)–(3)","Conditions, units, and status":"Not relative-percent errors; odd first period/first/final payment alone excluded from irregular definition."},"coordinator_verification_status":"supported_bounded_partial_recovery_or_conditional_model_with_current_legal_APR_hold","coordinator_review":"[internal evidence reference]"},{"claim_id":"R004-P2-C026","area_numbers":[4],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"R004-P2-C026","Area":"A004","Assertion":"Numerical precision or an accuracy allowance does not establish correct legal inputs and method application.","Source and exact pinpoint":"S006, §22(b)(2), comment 22(a)(1)-5","Conditions, units, and status":"No compliance or tool-acceptance claim."},"coordinator_verification_status":"supported_bounded_partial_recovery_or_conditional_model_with_current_legal_APR_hold","coordinator_review":"[internal evidence reference]"},{"claim_id":"R004-P2-C027","area_numbers":[4],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"R004-P2-C027","Area":"A004","Assertion":"Finance-charge dollar tolerances are a separate issue.","Source and exact pinpoint":"S009, reviewed §18(d)(2)","Conditions, units, and status":"Reused foundation; not an APR method or fee-classification cure."},"coordinator_verification_status":"supported_bounded_partial_recovery_or_conditional_model_with_current_legal_APR_hold","coordinator_review":"[internal evidence reference]"},{"claim_id":"R004-P2-C028","area_numbers":[4],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"R004-P2-C028","Area":"A004","Assertion":"The 2011 rule establishes the recodification connection and states a December 30, 2011 effective date.","Source and exact pinpoint":"S007, summary, dates, II.A–B","Conditions, units, and status":"Selected historical body read; not complete current equation verification."},"coordinator_verification_status":"supported_bounded_partial_recovery_or_conditional_model_with_current_legal_APR_hold","coordinator_review":"[internal evidence reference]"},{"claim_id":"R004-P2-C029","area_numbers":[4],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"R004-P2-C029","Area":"A004","Assertion":"The 2016 rule finalized the 2011 rules subject to intervening amendments.","Source and exact pinpoint":"S008, summary/dates; Authority and Issuance M","Conditions, units, and status":"Effective April 28, 2016; listed amendments not all independently examined."},"coordinator_verification_status":"supported_bounded_partial_recovery_or_conditional_model_with_current_legal_APR_hold","coordinator_review":"[internal evidence reference]"},{"claim_id":"R004-P2-C030","area_numbers":[4],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"R004-P2-C030","Area":"A004","Assertion":"The complete current equation/version predicate remains unsatisfied.","Source and exact pinpoint":"S001–S008; failure log","Conditions, units, and status":"Legacy text, current prose, and historical continuity do not finish the missing operator-level comparison."},"coordinator_verification_status":"supported_bounded_partial_recovery_or_conditional_model_with_current_legal_APR_hold","coordinator_review":"[internal evidence reference]"},{"claim_id":"R004-P2-C031","area_numbers":[4],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"R004-P2-C031","Area":"A004","Assertion":"The legal APR hold therefore remains for every E05 classification branch.","Source and exact pinpoint":"C020–C030","Conditions, units, and status":"No actual charge, calculator, operation, publication, or parent A004 acceptance follows."},"coordinator_verification_status":"supported_bounded_partial_recovery_or_conditional_model_with_current_legal_APR_hold","coordinator_review":"[internal evidence reference]"}],"sources":[{"source_id":"R004-P2-S001","urls":["https://www.consumerfinance.gov/rules-policy/regulations/1026/j/","https://www.consumerfinance.gov/rules-policy/regulations/1026/j/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"R004-P2-S001","Issuer/title; complete literal URL(s)":"CFPB, Appendix J to Part 1026. https://www.consumerfinance.gov/rules-policy/regulations/1026/j/","Exact location":"Official interpretation 1–2; (a); (b)(1)–(6); readable (b)(9)(i)–(ii); (b)(7)–(8) and (c)(1)/(3) link locations","Version/effective status":"Page labels itself current; no equation-specific effective date established","Read extent, provenance, and limits":"Fresh 2026-10-27: complete relevant prose and headings read. Equation links remained image placeholders. Not a complete current equation read."},"coordinator_verification_status":"fresh_selected_current_agency_body_checked","coordinator_review":"[internal evidence reference]","coordinator_read_limits":"CFPBJcurrentlabel,officialcomments1-2,(a),(b)(1)-(6),readable(b)(9)(i)-(ii),image-linklocations(b)(7)-(8),(c)(1),(3); packets01-05.","coordinator_result":"Current prose supportsconditionaltiming/annualization/precision. Equationpanels remainlinksonlyinretrievedHTML; no currentimagepixelsread oractualassetfailurecheck credited."},{"source_id":"R004-P2-S002","urls":["https://www.ecfr.gov/current/title-12/chapter-X/part-1026/appendix-Appendix%20J%20to%20Part%201026","https://www.ecfr.gov/current/title-12/chapter-X/part-1026/appendix-Appendix%20J%20to%20Part%201026?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"R004-P2-S002","Issuer/title; complete literal URL(s)":"OFR/GPO eCFR, Appendix J to Part 1026. https://www.ecfr.gov/current/title-12/chapter-X/part-1026/appendix-Appendix%20J%20to%20Part%201026","Exact location":"(a) through (b)(6)","Version/effective status":"Displayed Title 12 updated through 2026-10-23; eCFR describes itself as authoritative but unofficial","Read extent, provenance, and limits":"Fresh 2026-10-27: body through (b)(6) read; no readable later equations. Title-wide date is not an Appendix J amendment date."},"coordinator_verification_status":"fresh_selected_ecfr_body_and_metadata_checked","coordinator_review":"[internal evidence reference]","coordinator_read_limits":"eCFRJtitle12metadata67-69/officialeditionnotice98;completeavailable(a)-(b)(6)103-149/parserend; packets02,04-06.","coordinator_result":"FreshOct23,2026titlewidecurrencyconfirmedandlaterbodyabsentfromresponse. Unlikeearlier22challenge,thisJrouteactuallysuppliedprose. NoJ-specificamendmentdateorfullequation/officialeditionverification."},{"source_id":"R004-P2-S003","urls":["https://www.federalreserve.gov/frrs/regulations/appendix-j-annual-percentage-rate-computations-for-closed-end-credit-transactions-reg-z.htm","https://www.federalreserve.gov/frrs/regulations/appendix-j-annual-percentage-rate-computations-for-closed-end-credit-transactions-reg-z.htm?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"R004-P2-S003","Issuer/title; complete literal URL(s)":"Board of Governors, Federal Reserve Regulatory Service—Appendix J. https://www.federalreserve.gov/frrs/regulations/appendix-j-annual-percentage-rate-computations-for-closed-end-credit-transactions-reg-z.htm","Exact location":"FRRS locators 6-1017–6-1019; (a), (b)(1)–(9); figures 1–6 and 8; (c)(1), (c)(3)","Version/effective status":"References §226.22(a); no edition/effective date established from the retrieved page","Read extent, provenance, and limits":"Fresh 2026-10-27: applicable body and mathematical markup read, including relevant complete examples. Unpaginated HTML; FRRS locators are not CFR printed pages. No pixels inspected. Iteration-result truncations recorded. Current Part 1026 equivalence remains partial."},"coordinator_verification_status":"fresh_selected_legacy_publisher_mathematical_text_checked","coordinator_review":"[internal evidence reference]","coordinator_read_limits":"FedFRRS(a),(b)(1)-(9),symbols/general/iterationandregularmonthly(c)(1)(i),odd-finalmonthly(c)(3)(i),figures1-6/8; locators6-1017–6-1019,HTML4474-4615and4679-4691; packets01-03.","coordinator_result":"Plaintexttranscriptions/operatornormalizationcorrect; §226.22reference/notdatedcurrentPart1026. Truncated.82557859/.82557529andstraycharactersactuallyobserved. Noimage/PDFpixels orclaimeveryexample/all4916linesread. PrintedlegacyAfiguresdiffer slightlyfrom60digitrecomputation; notedseparately, notsilentlyrepairedorlegalmethodvalidated."},{"source_id":"R004-P2-S004","urls":["https://www.govinfo.gov/content/pkg/CFR-2025-title12-vol9/pdf/CFR-2025-title12-vol9-part1026-appJ.pdf","https://www.govinfo.gov/content/pkg/CFR-2026-title12-vol9/pdf/CFR-2026-title12-vol9-part1026-appJ.pdf","https://www.govinfo.gov/content/pkg/CFR-2025-title12-vol9/pdf/CFR-2025-title12-vol9-part1026-appJ.pdf?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"R004-P2-S004","Issuer/title; complete literal URL(s)":"GPO annual CFR. https://www.govinfo.gov/content/pkg/CFR-2025-title12-vol9/pdf/CFR-2025-title12-vol9-part1026-appJ.pdf; candidate newer route https://www.govinfo.gov/content/pkg/CFR-2026-title12-vol9/pdf/CFR-2026-title12-vol9-part1026-appJ.pdf","Exact location":"2025 PDF printed 436–447, zero-based indices 0–11. Relevant graphics occur at pp. 438, 439, 440, 442, indices 2, 3, 4, 6","Version/effective status":"2025 edition is as of Jan. 1, 2025; production footer July 31, 2025. Candidate 2026 item not established","Read extent, provenance, and limits":"Fresh 2026-10-27: extracted prose pp. 436–437; later page headers/graphic markers. Screenshot attempts at indices 2, 3, 4, 6 returned placeholders. No visual equation read. 2026 route inaccessible."},"coordinator_verification_status":"researcher_attributed_historical_pdf_and_failed_candidate_not_reopened","coordinator_review":"[internal evidence reference]","coordinator_read_limits":"WholeoriginalS004/readlog/structuralprintedpage-indexcrossreferencesread;2025annualPDF/candidate2026/screenshotsnotreopened.","coordinator_result":"Jan1,2025edition/productionfooter/pages438-442graphiccrossreferencesretainresearcherattribution. No freshPDFpixels/content/failure or2026publicationstatuscredit; currentversionholdunaffected."},{"source_id":"R004-P2-S005","urls":["https://files.consumerfinance.gov/eregulations/ER22DE11.062-1.png","https://files.consumerfinance.gov/eregulations/ER22DE11.062-2.png","https://files.consumerfinance.gov/eregulations/ER22DE11.063-1.png","https://files.consumerfinance.gov/eregulations/ER22DE11.063-2.png","https://files.consumerfinance.gov/eregulations/ER22DE11.064-1.png","https://files.consumerfinance.gov/eregulations/ER22DE11.066-1.png"],"researcher_record":{"Source ID":"R004-P2-S005","Issuer/title; complete literal URL(s)":"CFPB, current-page equation assets. https://files.consumerfinance.gov/eregulations/ER22DE11.062-1.png; https://files.consumerfinance.gov/eregulations/ER22DE11.062-2.png; https://files.consumerfinance.gov/eregulations/ER22DE11.063-1.png; https://files.consumerfinance.gov/eregulations/ER22DE11.063-2.png; https://files.consumerfinance.gov/eregulations/ER22DE11.064-1.png; https://files.consumerfinance.gov/eregulations/ER22DE11.066-1.png","Exact location":"Respectively: general symbols, example symbols, general equation, iteration, regular form/example, odd-final form/example","Version/effective status":"Linked by the current CFPB page; filenames are not independently verified effective dates","Read extent, provenance, and limits":"Fresh attempts 2026-10-27: each returned an unreadable image placeholder. No actual image content read. Same underlying appendix, not six independent authorities."},"coordinator_verification_status":"researcher_attributed_failed_equation_assets_not_reopened","coordinator_review":"[internal evidence reference]","coordinator_read_limits":"WholeoriginalS005/sixliteralassetURLs/readlogread;assetsnotreattempted.","coordinator_result":"No newfailure/pixels/readabilitycredit; successfulcurrentparentHTMLlinklocationscheckedinS001. No repeatedplaceholderrecoveryloop."},{"source_id":"R004-P2-S006","urls":["https://www.consumerfinance.gov/rules-policy/regulations/1026/22/","https://www.consumerfinance.gov/rules-policy/regulations/1026/22/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"R004-P2-S006","Issuer/title; complete literal URL(s)":"CFPB, §1026.22 and official interpretations. https://www.consumerfinance.gov/rules-policy/regulations/1026/22/","Exact location":"(a)(1)–(3); comments 22(a)(1)-1–5; (b)(1)–(2) and comments","Version/effective status":"Current-page designation","Read extent, provenance, and limits":"Fresh 2026-10-27: complete clauses/comments relied upon read. Mortgage-specific tolerances and unrelated shortcuts not applied."},"coordinator_verification_status":"fresh_selected_current_agency_body_and_comments_checked","coordinator_review":"[internal evidence reference]","coordinator_read_limits":"CFPB22(a)(1)-(3),comments22(a)(1)-1–5and(a)(2)/(3), (b)(1)-(2)/comments; packets01,03-07.","coordinator_result":"Actuarial/USRule/quarter-eighthpercentagepoint/toolconditionalrules supported. Capitalizationdescriptionnotservicingpermission; mortgage-specific/tolerance shortcutsnotapplied. Nofullcurrentlegaledition/actualcalculatorapproval."},{"source_id":"R004-P2-S007","urls":["https://www.federalregister.gov/documents/2011/12/22/2011-31715/truth-in-lending-regulation-z","https://www.govinfo.gov/app/details/FR-2011-12-22/2011-31715","https://www.govinfo.gov/content/pkg/FR-2011-12-22/html/2011-31715.htm","https://www.govinfo.gov/content/pkg/FR-2011-12-22/pdf/2011-31715.pdf","https://www.federalregister.gov/documents/2011/12/22/2011-31715/truth-in-lending-regulation-z?utm_source=chatgpt.com","https://www.govinfo.gov/app/details/FR-2011-12-22/2011-31715?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"R004-P2-S007","Issuer/title; complete literal URL(s)":"CFPB/OFR/GPO, 2011 Regulation Z republication, 76 FR 79768. https://www.federalregister.gov/documents/2011/12/22/2011-31715/truth-in-lending-regulation-z; https://www.govinfo.gov/app/details/FR-2011-12-22/2011-31715; https://www.govinfo.gov/content/pkg/FR-2011-12-22/html/2011-31715.htm; https://www.govinfo.gov/content/pkg/FR-2011-12-22/pdf/2011-31715.pdf","Exact location":"Preamble summary, dates, II.A–B; Appendix J introduction and (b)(1)–(6); missing equation-page markers 79902–79910","Version/effective status":"Published 2011-12-22; effective 2011-12-30 as stated in the readable rule rendering. Later finalized subject to amendments","Read extent, provenance, and limits":"Fresh 2026-10-27: selected FederalRegister.gov body read, not the entire rule. That site identifies its XML rendering as informational, not the official legal edition. GovInfo HTML inaccessible; PDF rejected as too large; details page returned no body. PDF indices not established."},"coordinator_verification_status":"fresh_selected_historical_rule_XML_body_checked_other_routes_attributed","coordinator_review":"[internal evidence reference]","coordinator_read_limits":"FR2011summary/dates111/IIA-B133-145, AppendixJ(a)-(b)(6)4010-4055and79902-79910emptyprintedpagemarkers; FRlegalstatus38-44; packets02,04-07. GovInfoHTML/PDF/detailsroutesnotreopened.","coordinator_result":"Dec30,2011effectivedate/recodification/technicalconnection supported. XMLunofficialedition/absenceofequations actuallyobserved; noPDFindices/40,909,875bytefailurefreshcheck/whole11631linesorallinterveningamendmentsread."},{"source_id":"R004-P2-S008","urls":["https://www.govinfo.gov/content/pkg/FR-2016-04-28/html/2016-09431.htm","https://www.govinfo.gov/content/pkg/FR-2016-04-28/html/2016-09431.htm?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"R004-P2-S008","Issuer/title; complete literal URL(s)":"CFPB/GPO, Finalization of Interim Final Rules, 81 FR 25323–25326. https://www.govinfo.gov/content/pkg/FR-2016-04-28/html/2016-09431.htm","Exact location":"Summary; dates; I–IV; Authority and Issuance, item M","Version/effective status":"Dated 2016-04-12; published/effective 2016-04-28","Read extent, provenance, and limits":"Fresh 2026-10-27: rule text read, including final operative item M. Listed intervening rulemakings were not individually audited. Establishes finalization relationship, not 2026 equation identity."},"coordinator_verification_status":"fresh_selected_official_historical_finalrule_body_checked","coordinator_review":"[internal evidence reference]","coordinator_read_limits":"GovInfo2016HTMLsummary48-60/DATES62/AuthorityIssuance441-442/fullitemM472-492/datesignature495-498; packets01,04-06.","coordinator_result":"EffectiveApr28,2016/dateApr12/publicationApr28/distinct; adoptionwithinterveningamendments supported. Listedamendmentsnotindividuallyaudited, notcurrent2026equationidentity."},{"source_id":"R004-P2-S009","urls":["https://www.consumerfinance.gov/rules-policy/regulations/1026/4/","https://www.consumerfinance.gov/rules-policy/regulations/1026/18/","https://www.consumerfinance.gov/rules-policy/regulations/1026/","https://www.consumerfinance.gov/rules-policy/regulations/1026/4/?utm_source=chatgpt.com","https://www.consumerfinance.gov/rules-policy/regulations/1026/18/?utm_source=chatgpt.com","https://www.consumerfinance.gov/rules-policy/regulations/1026/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"R004-P2-S009","Issuer/title; complete literal URL(s)":"Reviewed P01 legal-input foundation, supplied by coordinator: CFPB §§4, 18 and index. https://www.consumerfinance.gov/rules-policy/regulations/1026/4/; https://www.consumerfinance.gov/rules-policy/regulations/1026/18/; https://www.consumerfinance.gov/rules-policy/regulations/1026/","Exact location":"§4(c)(1); §18(b)(3), comment 18(b)(3)-1; comment 18(g)-1; §18(d)(2); part-wide amendment metadata","Version/effective status":"Supplied selected-body review dated 2026-10-27; index metadata April 8, 2026 remains part-wide","Read extent, provenance, and limits":"Reused reviewed evidence, not a fresh P02 body read. Supports only the supplied fee/amount-financed/payment/tolerance premises. Not blanket currentness certification."},"coordinator_verification_status":"documented_selected_review_reuse","coordinator_review":"[internal evidence reference]","coordinator_read_limits":"R0041review/sourcechecks/53calcchecks: selectedCFPB4/18/index forfeeinput/schedule/tolerance andApril8partwideindexmetadata.","coordinator_result":"No newP02orcoordinatorfreshreadcredited; actualfeeclassification/contract/currentnessheld, conditionalpremisesretained."},{"source_id":"R004-P2-S010","urls":[],"researcher_record":{"Source ID":"R004-P2-S010","Issuer/title; complete literal URL(s)":"Coordinator-supplied E05 numerical foundation and this chat’s P01 E05. No external URL; none invented","Exact location":"Supplied advance, 12 payments, fee branches, cash totals, two roots, and review limits","Version/effective status":"Review timestamp supplied: 2026-10-27T20:31:51.105871Z","Read extent, provenance, and limits":"Reused reviewed premises. No new root recomputation or schedule generation claimed. Same-coordinator review, not independent review."},"coordinator_verification_status":"documented_reviewed_numerical_foundation_reuse_and_new_algebra_check","coordinator_review":"[internal evidence reference]","coordinator_read_limits":"SuppliedP01E05andreviewed53checks; noexternalURLinvented. NewP02algebra/exponent/cash/annualization25checks separate.","coordinator_result":"E05rootsandschedulesreused,notrerun. Newthreelegacyexamplerootsconfirmroundedsourcefiguresnumerically, NOTcurrentlegalAPR."}],"coverage":[{"topic":"A — (b)(7) general symbols","researcher_record":{"Requested component":"A — (b)(7) general symbols","Status and reason":"Partial: readable official legacy-numbered text recovered","Claim links":"C004–C006","Exact missing authority/input and next bounded action":"Compare all symbols with an actually readable current Part 1026 panel."},"raw_table_index":11,"coordinator_acceptance":"scoped_partial_recovery_review_complete_with_current_legalAPR_and_parent_holds","scope":"P02_assigned_method_coverage","coordinator_review":"[internal evidence reference]"},{"topic":"A — (b)(7) example symbols","researcher_record":{"Requested component":"A — (b)(7) example symbols","Status and reason":"Partial: annuity-due and annualization notation recovered","Claim links":"C006, C018","Exact missing authority/input and next bounded action":"Current panel comparison remains; retain explicit notation normalization."},"raw_table_index":11,"coordinator_acceptance":"scoped_partial_recovery_review_complete_with_current_legalAPR_and_parent_holds","scope":"P02_assigned_method_coverage","coordinator_review":"[internal evidence reference]"},{"topic":"A — (b)(8) general equation","researcher_record":{"Requested component":"A — (b)(8) general equation","Status and reason":"Partial: complete recovered text transcribed","Claim links":"C007–C008","Exact missing authority/input and next bounded action":"Verify current operators, parentheses, exponents, and denominators against a readable current official rendering."},"raw_table_index":11,"coordinator_acceptance":"scoped_partial_recovery_review_complete_with_current_legalAPR_and_parent_holds","scope":"P02_assigned_method_coverage","coordinator_review":"[internal evidence reference]"},{"topic":"A — (b)(9) iteration expression","researcher_record":{"Requested component":"A — (b)(9) iteration expression","Status and reason":"Partial: update expression and units read","Claim links":"C009","Exact missing authority/input and next bounded action":"Current equation panel still unreadable."},"raw_table_index":11,"coordinator_acceptance":"scoped_partial_recovery_review_complete_with_current_legalAPR_and_parent_holds","scope":"P02_assigned_method_coverage","coordinator_review":"[internal evidence reference]"},{"topic":"A — (b)(9) complete numerical illustration","researcher_record":{"Requested component":"A — (b)(9) complete numerical illustration","Status and reason":"Partial: most figures read; two later result lines truncated","Claim links":"C010–C011","Exact missing authority/input and next bounded action":"Inspect an untruncated official counterpart; do not infer missing prefixes as source text."},"raw_table_index":11,"coordinator_acceptance":"scoped_partial_recovery_review_complete_with_current_legalAPR_and_parent_holds","scope":"P02_assigned_method_coverage","coordinator_review":"[internal evidence reference]"},{"topic":"A — (c)(1) regular form","researcher_record":{"Requested component":"A — (c)(1) regular form","Status and reason":"Partial: complete recovered expression read","Claim links":"C012","Exact missing authority/input and next bounded action":"Current-version comparison remains."},"raw_table_index":11,"coordinator_acceptance":"scoped_partial_recovery_review_complete_with_current_legalAPR_and_parent_holds","scope":"P02_assigned_method_coverage","coordinator_review":"[internal evidence reference]"},{"topic":"A — (c)(1) relevant monthly example","researcher_record":{"Requested component":"A — (c)(1) relevant monthly example","Status and reason":"Partial: complete relevant source example read","Claim links":"C013","Exact missing authority/input and next bounded action":"Verify current counterpart; source’s example dates do not date the edition."},"raw_table_index":11,"coordinator_acceptance":"scoped_partial_recovery_review_complete_with_current_legalAPR_and_parent_holds","scope":"P02_assigned_method_coverage","coordinator_review":"[internal evidence reference]"},{"topic":"A — (c)(3) odd-final form","researcher_record":{"Requested component":"A — (c)(3) odd-final form","Status and reason":"Partial: complete recovered expression read","Claim links":"C014","Exact missing authority/input and next bounded action":"Current-version comparison remains."},"raw_table_index":11,"coordinator_acceptance":"scoped_partial_recovery_review_complete_with_current_legalAPR_and_parent_holds","scope":"P02_assigned_method_coverage","coordinator_review":"[internal evidence reference]"},{"topic":"A — (c)(3) relevant monthly example","researcher_record":{"Requested component":"A — (c)(3) relevant monthly example","Status and reason":"Partial: complete relevant source example read","Claim links":"C015","Exact missing authority/input and next bounded action":"Verify current counterpart and reported figures."},"raw_table_index":11,"coordinator_acceptance":"scoped_partial_recovery_review_complete_with_current_legalAPR_and_parent_holds","scope":"P02_assigned_method_coverage","coordinator_review":"[internal evidence reference]"},{"topic":"A — Necessary definitions/unit periods/date counting","researcher_record":{"Requested component":"A — Necessary definitions/unit periods/date counting","Status and reason":"Answered at current prose level","Claim links":"C016–C018","Exact missing authority/input and next bounded action":"No missing prose for the stipulated monthly mapping; actual-date application remains conditional."},"raw_table_index":11,"coordinator_acceptance":"scoped_partial_recovery_review_complete_with_current_legalAPR_and_parent_holds","scope":"P02_assigned_method_coverage","coordinator_review":"[internal evidence reference]"},{"topic":"A — Other necessary clauses","researcher_record":{"Requested component":"A — Other necessary clauses","Status and reason":"Answered narrowly","Claim links":"C019, C022–C023, C025–C029","Exact missing authority/input and next bounded action":"§22 freshly read; fee/payment premises reused from reviewed §4/§18 foundation. No wider rerun."},"raw_table_index":11,"coordinator_acceptance":"scoped_partial_recovery_review_complete_with_current_legalAPR_and_parent_holds","scope":"P02_assigned_method_coverage","coordinator_review":"[internal evidence reference]"},{"topic":"A — Text versus pixels","researcher_record":{"Requested component":"A — Text versus pixels","Status and reason":"Answered explicitly","Claim links":"C002–C004, C010","Exact missing authority/input and next bounded action":"No PDF/image pixels successfully inspected; only Federal Reserve mathematical text recovered."},"raw_table_index":11,"coordinator_acceptance":"scoped_partial_recovery_review_complete_with_current_legalAPR_and_parent_holds","scope":"P02_assigned_method_coverage","coordinator_review":"[internal evidence reference]"},{"topic":"A — Exact locations/pages/indices","researcher_record":{"Requested component":"A — Exact locations/pages/indices","Status and reason":"Answered where established","Claim links":"Source table and page cross-reference","Exact missing authority/input and next bounded action":"FRRS HTML has no printed page; 2011 PDF indices not established; annual-CFR structural mapping expressly qualified."},"raw_table_index":11,"coordinator_acceptance":"scoped_partial_recovery_review_complete_with_current_legalAPR_and_parent_holds","scope":"P02_assigned_method_coverage","coordinator_review":"[internal evidence reference]"},{"topic":"A — Currentness/recodification","researcher_record":{"Requested component":"A — Currentness/recodification","Status and reason":"Partial","Claim links":"C028–C030","Exact missing authority/input and next bounded action":"Need current equation identity or an adequate edition-plus-relevant-amendment comparison. A 2025 edition or part-wide metadata alone is insufficient."},"raw_table_index":11,"coordinator_acceptance":"scoped_partial_recovery_review_complete_with_current_legalAPR_and_parent_holds","scope":"P02_assigned_method_coverage","coordinator_review":"[internal evidence reference]"},{"topic":"B — Single advance/equal months/adjusted last payment","researcher_record":{"Requested component":"B — Single advance/equal months/adjusted last payment","Status and reason":"Answered as conditional mapping","Claim links":"C020–C021","Exact missing authority/input and next bounded action":"Term beginning and legal month alignment must match the stipulated relative times."},"raw_table_index":11,"coordinator_acceptance":"scoped_partial_recovery_review_complete_with_current_legalAPR_and_parent_holds","scope":"P02_assigned_method_coverage","coordinator_review":"[internal evidence reference]"},{"topic":"B — Note principal versus amount financed/finance charge","researcher_record":{"Requested component":"B — Note principal versus amount financed/finance charge","Status and reason":"Answered using reviewed premises","Claim links":"C022–C024","Exact missing authority/input and next bounded action":"Actual fee-classification conditions remain unestablished by design."},"raw_table_index":11,"coordinator_acceptance":"scoped_partial_recovery_review_complete_with_current_legalAPR_and_parent_holds","scope":"P02_assigned_method_coverage","coordinator_review":"[internal evidence reference]"},{"topic":"B — Advance/payment time symbols","researcher_record":{"Requested component":"B — Advance/payment time symbols","Status and reason":"Answered","Claim links":"C005, C016–C017, C020","Exact missing authority/input and next bounded action":"No real consummation, accrual-start, or due dates exist in these inputs."},"raw_table_index":11,"coordinator_acceptance":"scoped_partial_recovery_review_complete_with_current_legalAPR_and_parent_holds","scope":"P02_assigned_method_coverage","coordinator_review":"[internal evidence reference]"},{"topic":"B — Nominal versus effective annualization","researcher_record":{"Requested component":"B — Nominal versus effective annualization","Status and reason":"Answered","Claim links":"C018, C024","Exact missing authority/input and next bounded action":"No use of the 1% note rate as the fee-inclusive calculation rate."},"raw_table_index":11,"coordinator_acceptance":"scoped_partial_recovery_review_complete_with_current_legalAPR_and_parent_holds","scope":"P02_assigned_method_coverage","coordinator_review":"[internal evidence reference]"},{"topic":"B — Actuarial versus United States Rule","researcher_record":{"Requested component":"B — Actuarial versus United States Rule","Status and reason":"Answered only as necessary boundary","Claim links":"C019","Exact missing authority/input and next bounded action":"No separate United States Rule implementation or capitalization-law conclusion."},"raw_table_index":11,"coordinator_acceptance":"scoped_partial_recovery_review_complete_with_current_legalAPR_and_parent_holds","scope":"P02_assigned_method_coverage","coordinator_review":"[internal evidence reference]"},{"topic":"B — Formula availability versus applicability","researcher_record":{"Requested component":"B — Formula availability versus applicability","Status and reason":"Answered","Claim links":"C020–C021, C030","Exact missing authority/input and next bounded action":"Algebraic match does not resolve the version and timing predicates."},"raw_table_index":11,"coordinator_acceptance":"scoped_partial_recovery_review_complete_with_current_legalAPR_and_parent_holds","scope":"P02_assigned_method_coverage","coordinator_review":"[internal evidence reference]"},{"topic":"C — No-fee/included/excluded inputs","researcher_record":{"Requested component":"C — No-fee/included/excluded inputs","Status and reason":"Answered conditionally","Claim links":"C022–C024","Exact missing authority/input and next bounded action":"No classification election; no new borrower facts."},"raw_table_index":11,"coordinator_acceptance":"scoped_partial_recovery_review_complete_with_current_legalAPR_and_parent_holds","scope":"P02_assigned_method_coverage","coordinator_review":"[internal evidence reference]"},{"topic":"C — Newly established legal-method result","researcher_record":{"Requested component":"C — Newly established legal-method result","Status and reason":"Unresolved/held","Claim links":"C030–C031","Exact missing authority/input and next bounded action":"Complete current method/version read not established. No legally labeled E05 number issued."},"raw_table_index":11,"coordinator_acceptance":"scoped_partial_recovery_review_complete_with_current_legalAPR_and_parent_holds","scope":"P02_assigned_method_coverage","coordinator_review":"[internal evidence reference]"},{"topic":"C — Comparison with reviewed roots","researcher_record":{"Requested component":"C — Comparison with reviewed roots","Status and reason":"Answered algebraically","Claim links":"C021, C024","Exact missing authority/input and next bounded action":"Roots reused; not relabeled or recomputed."},"raw_table_index":11,"coordinator_acceptance":"scoped_partial_recovery_review_complete_with_current_legalAPR_and_parent_holds","scope":"P02_assigned_method_coverage","coordinator_review":"[internal evidence reference]"},{"topic":"C — Precision/iteration/rounding","researcher_record":{"Requested component":"C — Precision/iteration/rounding","Status and reason":"Partial for official illustrated figures; answered as rule distinction","Claim links":"C009–C011, C026","Exact missing authority/input and next bounded action":"Truncated illustration and current equation comparison remain."},"raw_table_index":11,"coordinator_acceptance":"scoped_partial_recovery_review_complete_with_current_legalAPR_and_parent_holds","scope":"P02_assigned_method_coverage","coordinator_review":"[internal evidence reference]"},{"topic":"C — §22(a)(2)/(3) allowances","researcher_record":{"Requested component":"C — §22(a)(2)/(3) allowances","Status and reason":"Answered","Claim links":"C025–C026","Exact missing authority/input and next bounded action":"Adjusted last payment alone does not invoke quarter-point treatment."},"raw_table_index":11,"coordinator_acceptance":"scoped_partial_recovery_review_complete_with_current_legalAPR_and_parent_holds","scope":"P02_assigned_method_coverage","coordinator_review":"[internal evidence reference]"},{"topic":"C — Separate dollar tolerance","researcher_record":{"Requested component":"C — Separate dollar tolerance","Status and reason":"Answered from reviewed foundation","Claim links":"C027","Exact missing authority/input and next bounded action":"Does not establish fee inclusion or validate a defective method."},"raw_table_index":11,"coordinator_acceptance":"scoped_partial_recovery_review_complete_with_current_legalAPR_and_parent_holds","scope":"P02_assigned_method_coverage","coordinator_review":"[internal evidence reference]"},{"topic":"D — Exact bounded discovery/read/failure evidence","researcher_record":{"Requested component":"D — Exact bounded discovery/read/failure evidence","Status and reason":"Answered","Claim links":"Source table; failure log","Exact missing authority/input and next bounded action":"No unchanged repetitive recovery loop undertaken."},"raw_table_index":11,"coordinator_acceptance":"scoped_partial_recovery_review_complete_with_current_legalAPR_and_parent_holds","scope":"P02_assigned_method_coverage","coordinator_review":"[internal evidence reference]"},{"topic":"D — Preserve P01 models and hold","researcher_record":{"Requested component":"D — Preserve P01 models and hold","Status and reason":"Answered","Claim links":"C001, C024, C031","Exact missing authority/input and next bounded action":"All six reviewed models preserved; no full schedules generated."},"raw_table_index":11,"coordinator_acceptance":"scoped_partial_recovery_review_complete_with_current_legalAPR_and_parent_holds","scope":"P02_assigned_method_coverage","coordinator_review":"[internal evidence reference]"},{"topic":"D — Precise next public-source action","researcher_record":{"Requested component":"D — Precise next public-source action","Status and reason":"Answered below","Claim links":"C030–C031","Exact missing authority/input and next bounded action":"Obtain genuinely readable current equation content and complete the targeted comparison before legal relabeling."},"raw_table_index":11,"coordinator_acceptance":"scoped_partial_recovery_review_complete_with_current_legalAPR_and_parent_holds","scope":"P02_assigned_method_coverage","coordinator_review":"[internal evidence reference]"},{"topic":"D — No unrelated parent expansion","researcher_record":{"Requested component":"D — No unrelated parent expansion","Status and reason":"Observed","Claim links":"Remaining-dimensions table","Exact missing authority/input and next bounded action":"All other parent subjects remain held."},"raw_table_index":11,"coordinator_acceptance":"scoped_partial_recovery_review_complete_with_current_legalAPR_and_parent_holds","scope":"P02_assigned_method_coverage","coordinator_review":"[internal evidence reference]"}],"annotations":{"at":"2026-10-27T21:16:23.735272+00:00","review":"[internal evidence reference]","disposition":"accepted_with_limits_partial_source_recovery_legacy_formula_and_conditional_algebra","first_scoped_review_complete":true,"raw_originals_unchanged":true,"independent_review":false,"material_correction_required":false,"math_checks":25,"all_math_checks_pass":true,"legal_APR_held":true,"currentequation_identity_officialedition_and_contract_holds":true,"no_parent_or_calculator_or_publication_acceptance":true},"corrections":[],"resolved_corrections":[],"review_history":[]}