{"meta":{"key":"r004--pass-03","task":"R004","title":"Federal closed-end prepayment, unearned-interest refunds, and sum-of-digits/actuarial comparisons","parent_title":"Interest fees and debt mathematics","edition":"pass-03","path":"/research/r004--pass-03/","kind":"split_pass","category":"subject","role":"primary_area","area_numbers":[4],"groups":["foundations"],"date":"2026-10-27","tables":16,"claims":50,"sources":14,"review_status":"accepted_with_limits","review_complete":true,"sha256":"7fd0be557322c48e2cd8c9c823a96c20da8be464be6b0be160122e6cc3f18503","headings":["Federal closed-end prepayment, unearned-interest refunds, and sum-of-digits/actuarial comparisons","Foundation and result status","1. Source table","2. Atomic claim table: federal statutory triggers","What the 61-month rule does—and does not—decide","3. Atomic claim table: disclosures, classifications, and contract control","Necessary product boundary","4. What the allocation methods actually calculate","Sum of digits","Constant-rate balance allocation","5. Eight worked branches","W03: fully specified new arithmetic illustration","Explicit arithmetic self-check ledger","6. Reconciliation and blank generic prepayment audit worksheet","Blank worksheet","7. Atomic claim table: mathematics, reconciliation, and evidence limits","8. Granular coverage table","9. Question-to-source/claim crosswalk","10. Source-read and failure log","11. Self-check and remaining holds","Researcher self-check—not independent review","Precise remaining packets and boundaries"],"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-03","facets":{"geography":["us","us-federal"],"debt_type":[],"stage":[],"subject":["interest-charges-math"]},"scope":"Distinct reviewed remaining closed-endprepayment/unearnedinterest/refund-method component; notP01/P02rerun","pending_corrections":0},"markdown":"# SettleADebt R004 PASS-03\n\n## Federal closed-end prepayment, unearned-interest refunds, and sum-of-digits/actuarial comparisons\n\n**The federal refund duty, the restriction on the refund method, and the duty to disclose prepayment terms are separate rules.** Under the text read, 15 U.S.C. §1615(a) requires a prompt refund of unearned interest when its full-prepayment trigger is met, subject to its less-than-$1 exception. Section 1615(b) imposes an additional actuarial-method floor for specified precomputed transactions exceeding 61 months and consummated after September 30, 1993. That threshold is not a general permission to use Rule of 78s on shorter transactions, and neither provision establishes a universal right to make a partial principal payment. [uscode.house.gov](https://uscode.house.gov/us/usc/119-124/t15/s1615/?utm_source=chatgpt.com)\n\nRegulation Z’s prepayment disclosures identify whether a penalty or rebate applies under the relevant branch. They do not themselves establish that a charge is lawful, supply a complete payoff calculation, or determine every consequence of an extra payment. The applicable legal obligation and other applicable law remain necessary. [ecfr.gov+2](https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-C/section-1026.18?utm_source=chatgpt.com)\n\n**Actual research date:** October 27, 2026, America/Los_Angeles. Clock observations bracketed this pass from **2:26:28 p.m. through 2:36:14 p.m. PDT**—21:26:28 through 21:36:14 UTC. Source-check dates below refer to that date, not to a document’s effective date.\n\n### Foundation and result status\n\n| Item | Treatment in this pass |\n| --- | --- |\n| Reviewed P01 mathematics | Preserved as user-supplied reviewed premises. The six models and their schedules were not rerun. |\n| Reviewed P01 extra-principal comparison | Retained: modeled interest falls from **$661.86 to $491.29**, saving **$170.57**, under the stipulated original convention and allocation assumptions. This remains a model result. |\n| Reviewed P02 | Preserved. No Appendix J image-placeholder recovery routes were repeated. |\n| Current legal APR | **Still held.** This pass does not establish current Appendix J equation identity, resolve the prior edition/amendment gap, or relabel any numerical root as a legal APR. |\n| New work | Complete §1615 body and notes read; relevant disclosure rules and commentary read; official generic allocation explanations read; eight worked branches supplied, including a new finite-payment arithmetic comparison. |\n| Actual prepayment/refund/charge determination | **Unresolved and not approved.** No actual transaction, contract, payoff, refund award, fee, eligibility, or release determination was made. |\n| Review and provenance | This is a researcher self-check, **not independent review**. The prior coordinator reviews are reused as described by the user. I have not verified unseen UI model family or power settings. |\n\n## 1. Source table\n\nAll IDs below have the prefix **R004-P3-**. Related representations of the same statute or regulation are grouped or expressly identified as such; they are not independent corroborating authorities.\n\n“Fresh read” means content actually returned and read during this pass. PDF text extraction is identified separately from pixel inspection. **No PDF/image pixel inspection is claimed in P03.**\n\n| Source ID | Issuer/title and complete literal HTTPS URL(s) | Exact relevant pinpoint and read extent | Version, status, effective-trigger information | Actual check and jurisdiction/limits |\n| --- | --- | --- | --- | --- |\n| **R004-P3-S001** | U.S. House, Office of the Law Revision Counsel, **15 U.S.C. §1615**. [https://uscode.house.gov/us/usc/119-124/t15/s1615/](https://uscode.house.gov/us/usc/119-124/t15/s1615/?utm_source=chatgpt.com) | **Complete section (a)–(d)**, source credit, codification note, and footnote read. HTML body lines 20–85 in the returned rendering. | Body states laws in effect through **Public Law 119-124, October 15, 2026**. Source credit: Pub. L. 102-550, title IX, §933, **October 28, 1992**, 106 Stat. 3891. No separate amendment or effective-date note appears under this section in the read body. The explicit transaction-date condition is in subsection (b). | **Fresh, 2026-10-27.** Federal statute as compiled. Post-cutoff session laws were not comprehensively audited. Initial direct access failed; opening the discovered search result subsequently returned the complete body. [uscode.house.gov](https://uscode.house.gov/us/usc/119-124/t15/s1615/?utm_source=chatgpt.com) |\n| **R004-P3-S002** | GPO/GovInfo, **United States Code, 2024 Edition, §1615**. [https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap41-subchapI-partA-sec1615.htm](https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap41-subchapI-partA-sec1615.htm?utm_source=chatgpt.com) [https://www.govinfo.gov/content/pkg/USCODE-2024-title15/pdf/USCODE-2024-title15-chap41-subchapI-partA-sec1615.pdf](https://www.govinfo.gov/content/pkg/USCODE-2024-title15/pdf/USCODE-2024-title15-chap41-subchapI-partA-sec1615.pdf?utm_source=chatgpt.com) | Complete §1615 and codification note in HTML and extracted PDF text. Section is on **printed p.1474, zero-based PDF index 0**; the two-page extract also contains adjacent material, including §1616 on p.1475/index 1. Adjacent sections’ effective-date notes were not attributed to §1615. | **Historical official Code edition**, not October 2026 currency evidence by itself. Same underlying statute as S001. | **Fresh historical read, 2026-10-27.** PDF text only; no pixels. Supports comparison with S001, not an independent statute or a complete current session-law audit. [COMMERCE AND TRADE+1](https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap41-subchapI-partA-sec1615.htm?utm_source=chatgpt.com) |\n| **R004-P3-S003** | OLRC, **15 U.S.C. §§1602 and 1603**. [https://uscode.house.gov/us/usc/119-124/t15/s1602/](https://uscode.house.gov/us/usc/119-124/t15/s1602/?utm_source=chatgpt.com) [https://uscode.house.gov/us/usc/119-124/t15/s1603/](https://uscode.house.gov/us/usc/119-124/t15/s1603/?utm_source=chatgpt.com) | §1602: selected **(a), (d)–(i)**, including the complete creditor definition in (g). §1603: complete operative numbered exemptions and displayed editorial/statutory notes, including inflation adjustment. | Each body states currency through **P.L.119-124, October 15, 2026**. §1603’s statutory dollar figure must be read with its inflation-adjustment note; it is not a fixed current threshold. | **Fresh, 2026-10-27.** Federal definitions and TILA exemptions. The precise carryover of every TILA exemption to separately enacted §1615 is not established merely by their placement in the Code. [uscode.house.gov+2](https://uscode.house.gov/us/usc/119-124/t15/s1602/?utm_source=chatgpt.com) |\n| **R004-P3-S004** | OLRC, **15 U.S.C. §1638, Transactions other than under an open end credit plan**. [https://uscode.house.gov/us/usc/119-124/t15/s1638/](https://uscode.house.gov/us/usc/119-124/t15/s1638/?utm_source=chatgpt.com) | Selected **(a) chapeau, (a)(2), (a)(5)–(6), (a)(11)–(12)**. Not the entire section or all historical amendments. | Body currency **P.L.119-124, October 15, 2026**. Current compiled disclosure provisions; no broader historical-effective-date audit claimed. | **Fresh selected-body read, 2026-10-27.** Statutory disclosure foundation, distinct from §1615’s refund command. [uscode.house.gov+1](https://uscode.house.gov/us/usc/119-124/t15/s1638/?utm_source=chatgpt.com) |\n| **R004-P3-S005** | OFR/GPO eCFR and CFPB, **12 C.F.R. §1026.18**; GPO annual CFR counterpart. [https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-C/section-1026.18](https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-C/section-1026.18?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.govinfo.gov/content/pkg/CFR-2025-title12-vol9/pdf/CFR-2025-title12-vol9-sec1026-18.pdf](https://www.govinfo.gov/content/pkg/CFR-2025-title12-vol9/pdf/CFR-2025-title12-vol9-sec1026-18.pdf?utm_source=chatgpt.com) | Fresh relevant body: chapeau, **(b), complete (k)(1)–(2), and (p)**. Annual PDF: chapeau/(b), **printed p.55/index 0**; complete (k) and (p), **printed p.57/index 2**. Six-page annual extract was not treated as six independently read sources. | eCFR displayed Title 12 up to date **October 23, 2026**, and described itself as authoritative but unofficial. Section source note: **76 FR 79772, Dec.22, 2011; amended 78 FR 80108, Dec.31, 2013**. Annual edition is **Jan.1, 2025**; July31,2025 production footer is not an effective date. | **Fresh, 2026-10-27.** Core operative prepayment-disclosure text readable in all three representations. No claim that title-wide metadata proves a section-specific amendment date or that the annual edition alone proves 2026 currency. [ecfr.gov+4](https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-C/section-1026.18?utm_source=chatgpt.com) |\n| **R004-P3-S006** | CFPB, **Official Interpretations of §1026.18**. [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/interp-18/](https://www.consumerfinance.gov/rules-policy/regulations/1026/interp-18/) | Complete relevant **18(k)-1–3; 18(k)(1)-1.i–iii and -2.i–ii; 18(k)(2)-1.i.A–B and ii**. Also scope comment **18-3**, selected amount-financed commentary, and **18(p)-1**. Integrated and standalone versions were cross-read as the same interpretation. | CFPB labels rendering “current regulation.” Agency electronic resource is not an official legal CFR/FR edition; S011 records that notice. A direct current eCFR Supplement I retrieval failed for size, recorded below. | **Fresh, 2026-10-27.** Complete targeted commentary read; no claim of reading all Supplement I or completing an amendment-by-amendment history. [Consumer Financial Protection Bureau+3](https://www.consumerfinance.gov/rules-policy/regulations/1026/18/?utm_source=chatgpt.com) |\n| **R004-P3-S007** | CFPB, **§1026.17, General disclosure requirements**. [https://www.consumerfinance.gov/rules-policy/regulations/1026/17/](https://www.consumerfinance.gov/rules-policy/regulations/1026/17/?utm_source=chatgpt.com) | Selected **(a)(1), (b), (c)(1)** and complete relevant comments **17(c)(1)-1–2**, including informal principal-reduction arrangements. | Current agency rendering. Historical transaction applicability and specialized timing rules not fully investigated. | **Fresh, 2026-10-27.** Supports legal-obligation and contract-modification distinctions, not a general servicing or prepayment right. [Consumer Financial Protection Bureau+1](https://www.consumerfinance.gov/rules-policy/regulations/1026/17/?utm_source=chatgpt.com) |\n| **R004-P3-S008** | CFPB, **Regulation Z applicability gateways**. [https://www.consumerfinance.gov/rules-policy/regulations/1026/1/](https://www.consumerfinance.gov/rules-policy/regulations/1026/1/?utm_source=chatgpt.com) [https://www.consumerfinance.gov/rules-policy/regulations/1026/2/](https://www.consumerfinance.gov/rules-policy/regulations/1026/2/?utm_source=chatgpt.com) [https://www.consumerfinance.gov/rules-policy/regulations/1026/3/](https://www.consumerfinance.gov/rules-policy/regulations/1026/3/?utm_source=chatgpt.com) [https://www.consumerfinance.gov/rules-policy/regulations/1026/46/](https://www.consumerfinance.gov/rules-policy/regulations/1026/46/?utm_source=chatgpt.com) [https://www.consumerfinance.gov/rules-policy/regulations/1026/43/](https://www.consumerfinance.gov/rules-policy/regulations/1026/43/?utm_source=chatgpt.com) | Selected §1(a)–(c); §2(a)(10)–(14) and relevant comments; §3(a) operative provisions, §3(b)(1) and threshold commentary, selected (c)–(g), **complete (h)(1)–(6) and its relevant commentary**; §46(a), (b)(5), (c)(2) and related comments. §43 only selected scope passages and **(b)(1)** to identify the dwelling-secured context—not its full substantive penalty regime. | Current agency renderings. §3(b) comment gives **$73,400 for Jan.1–Dec.31,2026**, with stated exceptions. Product-specific effective and application dates remain separate gates. | **Fresh selected-body reads, 2026-10-27.** One related Regulation Z source group. No product eligibility, dealer/entity status, or actual transaction determination. [Consumer Financial Protection Bureau+5](https://www.consumerfinance.gov/rules-policy/regulations/1026/1/?utm_source=chatgpt.com) |\n| **R004-P3-S009** | Federal Reserve Board, **Vehicle Leasing: Leasing vs. Buying—Early Termination**, loan-side generic explanations/examples. [https://www.federalreserve.gov/pubs/leasing/resource/different/early.htm](https://www.federalreserve.gov/pubs/leasing/resource/different/early.htm?utm_source=chatgpt.com) [https://www.federalreserve.gov/pubs/leasing/resource/different/early_info4.htm](https://www.federalreserve.gov/pubs/leasing/resource/different/early_info4.htm?utm_source=chatgpt.com) [https://www.federalreserve.gov/pubs/leasing/resource/different/early_info5.htm](https://www.federalreserve.gov/pubs/leasing/resource/different/early_info5.htm?utm_source=chatgpt.com) [https://www.federalreserve.gov/pubs/leasing/resource/different/early_exp4.htm](https://www.federalreserve.gov/pubs/leasing/resource/different/early_exp4.htm?utm_source=chatgpt.com) [https://www.federalreserve.gov/pubs/leasing/resource/different/early_exp5.htm](https://www.federalreserve.gov/pubs/leasing/resource/different/early_exp5.htm?utm_source=chatgpt.com) | Loan-payoff discussion and **complete short Rule-of-78 and Constant-Yield information/example pages**. Their text equations were readable. No image equation reconstruction. | Parent page says **last update May5,2003**. Historical official consumer education; not current substantive charging authority. Subpages do not independently establish a newer effective date. | **Fresh historical/generic read, 2026-10-27.** Used for limited mathematical explanation. Source expressly conditions examples on law, contract, and implementation. One printed balance inconsistency identified; source results not adopted as a validated schedule or legal APR. [federalreserve.gov+4](https://www.federalreserve.gov/pubs/leasing/resource/different/early.htm?utm_source=chatgpt.com) |\n| **R004-P3-S010** | Wisconsin Department of Financial Institutions, **The Rule of 78’s**. [https://dfi.wi.gov/Pages/ConsumerServices/WisconsinConsumerAct/Ruleof78s.aspx](https://dfi.wi.gov/Pages/ConsumerServices/WisconsinConsumerAct/Ruleof78s.aspx?utm_source=chatgpt.com) | Complete substantive explanation, 12-row table, definitions, and discussion of terms shorter/longer than 12 months; returned body lines20–116. | Official generic educational explanation; no publication/effective date established from the read body. | **Fresh, 2026-10-27.** Used only for the sum-of-digits allocation construction. **Not proof of current Wisconsin permission**, another state’s law, or any actual contract. Source’s stated APR and broad payment-practice statements were not adopted as universal rules. [dfi.wi.gov](https://dfi.wi.gov/Pages/ConsumerServices/WisconsinConsumerAct/Ruleof78s.aspx?utm_source=chatgpt.com) |\n| **R004-P3-S011** | CFPB, **Regulation Z versions and user notice**. [https://www.consumerfinance.gov/rules-policy/regulations/1026/versions/18/](https://www.consumerfinance.gov/rules-policy/regulations/1026/versions/18/?utm_source=chatgpt.com) | Versions list and complete user notice. | Lists **April8,2026** as current part-wide version. Notice says resource does not replace official CFR/FR editions. | **Fresh metadata read, 2026-10-27.** Discovery/version context only; not proof §18(k) changed on April8. [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/rules-policy/regulations/1026/versions/18/?utm_source=chatgpt.com) |\n| **R004-P3-S012** | CFPB, **Withdrawn Guidance register**. [https://www.consumerfinance.gov/compliance/guidance/withdrawn-guidance/](https://www.consumerfinance.gov/compliance/guidance/withdrawn-guidance/?utm_source=chatgpt.com) | Register categories and entries read in overlapping extracts; last-modified metadata checked. Linked withdrawal notices were not separately read. | Page last modified **July22,2026, 12:12 p.m. EDT**. | **Fresh, 2026-10-27.** No substantive CFPB circular, bulletin, or advisory opinion is relied upon in this pass. Withdrawal entries are not treated as repeal of the statutes or regulations read above. [Consumer Financial Protection Bureau+1](https://www.consumerfinance.gov/compliance/guidance/withdrawn-guidance/?utm_source=chatgpt.com) |\n| **R004-P3-S013** | **Reviewed P01/P02 premises supplied in this original chat**, including the current P03 instruction. No external URL exists for this evidence item. | P01 savings, totals, assumptions, prior review descriptions, and P02 legal-APR hold reused exactly as supplied. | Reviewed foundation with user-stated limits; not freshly independently verified here. | **Reviewed reuse, 2026-10-27.** No invented fresh-source, hash, model-provenance, or independent-review credit. |\n| **R004-P3-S014** | OLRC/GPO, **raw 1992 enactment routes—access incomplete**. [https://uscode.house.gov/statviewer.html?page=3891&volume=106](https://uscode.house.gov/statviewer.html?page=3891&volume=106&utm_source=chatgpt.com) [https://www.govinfo.gov/content/pkg/STATUTE-106/pdf/STATUTE-106-Pg3672.pdf](https://www.govinfo.gov/content/pkg/STATUTE-106/pdf/STATUTE-106-Pg3672.pdf) | Statviewer returned navigation and a notice, without readable enactment pixels. Full public-law PDF fetch rejected for size. **No raw §933 session-law body read claimed.** | Historical original-law routes. §933’s enactment citation is established through S001/S002; original-law inspection remains incomplete. | **Failed/limited access, 2026-10-27.** Limits any claim to have comprehensively audited original-law surrounding effective provisions or cross-enactment application. |\n\n## 2. Atomic claim table: federal statutory triggers\n\n**Area A004 applies to every claim in this report.** “Established” below means supported at the stated general level and within the source/version bounds; it does not mean an actual transaction satisfies the predicates.\n\n| Claim ID | Exact assertion | Source and pinpoint | Conditions, status, jurisdiction, and limits |\n| --- | --- | --- | --- |\n| **R004-P3-C001** | P01’s reviewed models and P02’s legal-APR hold remain unchanged. | S013; current user-supplied foundation. | **Reviewed reuse.** No new acceptance or rerun. |\n| **R004-P3-C002** | §1615 was enacted through §933 of the 1992 Housing and Community Development Act, not as part of the Consumer Credit Protection Act itself. | S001/S002, source credit and codification note. | **Established federal source fact.** Enactment date is October28,1992; historical applicability is not inferred solely from that date. |\n| **R004-P3-C003** | The incorporated consumer concept concerns a natural person and primarily personal, family, or household purposes. | S001 §1615(d)(2); S003 §1602(i). | **Established definition.** Not every debt or business-purpose transaction qualifies. |\n| **R004-P3-C004** | The ordinary statutory creditor definition requires regular extension of qualifying consumer credit and initial-payee status, with statutory special cases. | S003 §1602(g), complete paragraph. | **Established definition.** Finance charge or agreement for more than four installments is relevant. No actual actor classification made. |\n| **R004-P3-C005** | For §1615, creditor also includes an assignee and subsequent assignee of the described consumer credit. | S001 §1615(d)(3)(A)–(B). | **Established federal inclusion.** Do not stop at §1602’s original-payee wording. |\n| **R004-P3-C006** | When a consumer prepays in full the financed amount under the covered consumer credit transaction, §1615(a)(1) requires the creditor promptly to refund unearned interest. | S001 §1615(a)(1); S002 same provision. | **Established conditional duty.** It concerns unearned **interest**, not an automatic refund of every finance-charge component. “Promptly” is not converted here into a numerical refund deadline. |\n| **R004-P3-C007** | The subsection (a)(1) refund is not required by that provision when the total refund would be **less than $1**. | S001 §1615(a)(2). | **Established exception.** Exactly $1 is not “less than $1.” Other law or contract may provide more. |\n| **R004-P3-C008** | Subsection (a) applies to the described full prepayment regardless of manner or reason, expressly including refinancing, consolidation, restructuring, and prepayment resulting from acceleration. | S001 §1615(a)(3)(A)–(B). | **Established conditional scope.** Acceleration or restructuring without the required prepayment is a different factual branch. |\n| **R004-P3-C009** | For the required refund on a **precomputed** consumer credit transaction with a **term exceeding 61 months**, **consummated after September30,1993**, the method must be at least as favorable to the consumer as the actuarial method. | S001 §1615(b). | **Established conjunctive test.** The transaction term, date, structure, and refund trigger all matter. |\n| **R004-P3-C010** | The express 61-month/date restrictions occur in subsection (b), not in the wording of (a) or (c); their failure does not establish permission to use Rule of 78s or a universal prepayment right. | S001 §1615(a)–(c), read together. | **Textual inference.** Earlier-transaction retroactivity and other applicable restrictions remain unresolved. |\n| **R004-P3-C011** | For the specified request concerning a precomputed consumer credit account, the creditor or assignee must provide the full-prepayment amount and identify a required refund included in that amount before the end of the statutory five-day period beginning with receipt. | S001 §1615(c)(1)(A)–(B). | **Established conditional statement duty.** Oral or written request; no actual request or deadline calculated. This is not the refund deadline in (a). |\n| **R004-P3-C012** | A written request under subsection (c) requires a written statement. | S001 §1615(c)(2). | **Established.** No assertion that every oral request requires a written response under this clause. |\n| **R004-P3-C013** | The consumer is entitled to one subsection (c)(1) statement each year without charge. | S001 §1615(c)(3). | **Established.** No invented calendar-year interpretation or actual entitlement determination. |\n| **R004-P3-C014** | Additional statements may carry a reasonable cost-covering fee if its amount is disclosed before furnishing the statement. | S001 §1615(c)(4). | **Established statutory conditions.** No dollar cap or actual fee approval inferred; other applicable restrictions remain relevant. |\n| **R004-P3-C015** | The statutory actuarial definition applies a payment first to accumulated finance charge, subtracts a remainder from unpaid amount financed, and adds a deficiency to that unpaid balance. | S001 §1615(d)(1), complete definition. | **Established definition.** Allocation description only; not a freestanding authorization for servicing capitalization. |\n| **R004-P3-C016** | That definition does not itself specify the complete rate-selection, day-count, off-cycle timing, or rounding rules needed to calculate an actual refund. | S001 §1615(d)(1); S009’s expressly conditional generic examples. | **Read-boundary finding.** No Appendix J formula is substituted for those missing inputs. |\n| **R004-P3-C017** | No separate generally applicable implementing refund formula was established in the bounded official-source investigation. §1026.18 commentary references §1615(d) for disclosure/classification purposes. | S001 complete section; S006 comment18(k)(2)-1.i.A; discovery/read log below. | **Partial research result**, not proof that no other implementing or product-specific authority exists. |\n| **R004-P3-C018** | TILA/Regulation Z exemption screens and §1615’s own predicates must be kept distinct; the complete effect of every TILA exemption on separately enacted §1615 is not resolved here. | S001 codification note and (d); S003 §1603; S008 §1026.3. | **Applicability hold.** No automatic importation of a dollar, product, or actor exemption into §1615. |\n\nA detail preserved from the literal read: §1615(d)(2)’s heading refers to “Consumer, credit,” while its operative sentence imports **consumer and creditor**. This report follows the operative sentence and subsection (d)(3); it does not silently rewrite the statute. [uscode.house.gov](https://uscode.house.gov/us/usc/119-124/t15/s1615/?utm_source=chatgpt.com)\n\n### What the 61-month rule does—and does not—decide\n\nA stipulated 62-month precomputed transaction consummated October1,1993 passes the **term/date portion** of §1615(b). A 61-month transaction does not. A 62-month transaction consummated September30,1993 does not satisfy “after” that date. These comparisons do not decide the other predicates, any more protective law, or whether a particular prepayment is contractually permitted.\n\nLikewise, the relevant term cannot simply be replaced with the number of payments remaining when an early payment is contemplated. A modification, refinancing, or disputed consummation date requires its own legal characterization. The report does not resolve historical application merely because the current compiled section lacks an additional date limitation in (a) or (c). **C009–C010; S001.**\n\n## 3. Atomic claim table: disclosures, classifications, and contract control\n\nThe statutory disclosure foundation is §1638(a)(11), with a contract-reference requirement in (a)(12). Regulation Z then supplies the operative disclosure branches and commentary. [uscode.house.gov](https://uscode.house.gov/us/usc/119-124/t15/s1638/?utm_source=chatgpt.com)\n\n| Claim ID | Exact assertion | Source and pinpoint | Conditions, status, jurisdiction, and limits |\n| --- | --- | --- | --- |\n| **R004-P3-C019** | §1638(a)(11) distinguishes the rebate statement for precomputed finance charges from the penalty statement for charges computed periodically on unpaid principal; (a)(12) calls for a contract reference. | S004 §1638(a)(11)–(12). | **Established federal disclosure framework.** Not substantive permission to impose a penalty. |\n| **R004-P3-C020** | §1026.18 excludes mortgage transactions subject to §1026.19(e) and (f); its scope commentary identifies unsecured credit, specified personal-property secured credit, and reverse-mortgage branches. | S005 chapeau; S006 comment18-3.i–iii. | **Established general disclosure routing.** Special exceptions such as §3(h) must also be considered; no full mortgage survey. |\n| **R004-P3-C021** | When the finance charge is computed from time to time by applying a rate to unpaid principal, §18(k)(1) requires a statement whether a charge may be imposed for early payment of all or part of principal. | S005 §1026.18(k)(1). | **Established conditional disclosure duty.** It does not establish the lawful amount or authority for the charge. |\n| **R004-P3-C022** | For other finance-charge structures, §18(k)(2) requires a statement whether a rebate is available upon full or partial prepayment. | S005 §1026.18(k)(2); S006 comment18(k)(2)-1.i. | **Established conditional duty.** Includes charges not reflecting every principal reduction, such as precomputed/add-on charges. |\n| **R004-P3-C023** | The disclosure must be definitive; absence of a penalty disclosure cannot be used to imply that no penalty applies. | S006 comment18(k)-1 and -1.i. | **Established disclosure rule.** A representation still is not a complete payoff calculation. |\n| **R004-P3-C024** | If a penalty or rebate is possible for any type of prepayment, the positive disclosure is required; voluntary/involuntary differences are not placed in the segregated disclosures. | S006 comment18(k)-1.ii–iii. | **Established.** Includes acceleration-related prepayment; does not decide acceleration’s substantive consequences. |\n| **R004-P3-C025** | One transaction can require both rebate and penalty disclosures when both charge structures are present. | S006 comment18(k)-2. | **Established mixed-structure rule.** A single “simple interest” label does not classify all charges. |\n| **R004-P3-C026** | A prepaid finance charge alone does not require a §18(k) disclosure and is not, solely for that reason, a §18(k)(1) penalty; optional rebate disclosure is permitted. | S006 comment18(k)-3. | **Established classification/disclosure rule.** Not a universal nonrefundability rule. |\n| **R004-P3-C027** | Treating a fully prepaid balance as outstanding afterward and charging interest on it is an example of a §18(k)(1) prepayment penalty. | S006 comment18(k)(1)-1.i, complete explanation and example. | **Established label for this provision.** Contract wording about monthly accrual does not remove the example’s classification. |\n| **R004-P3-C028** | A minimum finance charge in a simple-interest transaction is an example of a prepayment penalty. | S006 comment18(k)(1)-1.iii. | **Established classification.** No minimum amount or authority to collect one established. |\n| **R004-P3-C029** | Recapture of a conditionally waived origination/closing fee is a penalty example, subject to the commentary’s specific exception for waived bona fide third-party charges on full prepayment of a covered transaction sooner than 36 months after consummation. | S006 comment18(k)(1)-1.ii; S008 §43(b)(1), context only. | **Established conditional classification.** Exception does not encompass every third-party fee, partial payment, later payment, or excess recapture. No actual mortgage application or charging permission decided. |\n| **R004-P3-C030** | Document-preparation/provision fees imposed upon full payoff whether or not early, and loan-guarantee fees, are examples of fees not classified as penalties under §18(k)(1). | S006 comment18(k)(1)-2.i–ii. | **Established classification examples.** “Not a penalty” does not mean otherwise authorized or automatically collectible. |\n| **R004-P3-C031** | For the referenced refund/penalty classification, commentary directs use of an applicable state actuarial definition when it produces a greater refund than the federal definition. | S006 comment18(k)(2)-1.i.A. | **Established instruction in this context.** No state definition was selected or applied here. |\n| **R004-P3-C032** | A description of the earned/unearned finance-charge computation method is neither required nor permitted within the segregated §18(k)(2) disclosures. | S006 comment18(k)(2)-1.ii. | **Established placement rule.** It does not prohibit relevant contract terms or separately supplied information. |\n| **R004-P3-C033** | Disclosures reflect the legal obligation; an informal principal-reduction arrangement does not automatically replace the contractual payment schedule. | S007 §17(c)(1), comments -1 and -2.ii; S005 §18(p). | **Established disclosure basis; related inference.** Extra money alone does not establish a legally effective recast or due-date change. |\n| **R004-P3-C034** | Regulation Z has consumer-purpose, regular-extension, finance-charge/installment, actor, and exemption gates. Its 2026 amount threshold is $73,400, with real-property/principal-dwelling and private-education exceptions to that threshold exemption. | S008 §1(c)(1), §3(a), §3(b)(1), comment3(b)-3.xvii; S003 §1603 and inflation note. | **Established Regulation Z screen.** Not a universal debt threshold or automatic §1615 exclusion. |\n| **R004-P3-C035** | Qualifying §3(h) assistance transactions may use the specified §18 disclosure route instead of §19(e)/(f); the exception requires all listed conditions. | S008 §3(h)(1)–(6), comments3(h)-1–2. | **Established conditional alternative.** Subordinate lien, specified assistance purpose, no interest, specified forgiveness/deferral, restricted costs, fee condition, and compliant disclosures are required. No eligibility determination. |\n| **R004-P3-C036** | The Title IV student-loan exemption does not cover private education loans; Subpart F generally adds requirements and incorporates §18 disclosures at specified stages. | S008 §3(f), comment3(f)-1; §46(a)(1), (b)(5), (c)(2). | **Gateway only.** Private-education charging/prepayment law is not investigated or approved here. |\n| **R004-P3-C037** | Note face amount, principal, amount financed, and consumer proceeds can differ; precomputed interest in a gross obligation is not thereby all principal. | S004 §1638(a)(2); S005 §18(b); S006 comment18(b)(3)-2. | **Established disclosure/accounting distinction.** The new model makes them equal only where expressly stipulated. |\n| **R004-P3-C038** | These sources do not establish that an increased payment alone releases a lien, discharges every obligation, or changes maturity; those conclusions require the applicable obligation and governing rules. | S005 §18(p); S007 comment17(c)(1)-1–2; scope of S001. | **Bounded inference/hold.** A mathematical zero under assumed components is not proof of legal satisfaction of every secured obligation. |\n\n### Necessary product boundary\n\nThe general §18 scope commentary routes ordinary real-property/cooperative-unit transactions subject to §19(e)/(f) to the integrated mortgage disclosures, while retaining specified personal-property and reverse-mortgage branches under §18. Section3(h) creates a narrow alternative for qualifying assistance transactions.\n\nFor that alternative, the conditions actually read include a subordinate lien; a listed housing-assistance purpose; no contractual interest; specified forgiveness or deferral—including the stated 20-year, sale, or principal-residence alternatives; restricted closing costs; the stated application/counseling-fee condition; and compliant disclosures. These conditions are recorded to prevent a false “all mortgages are excluded from §18” inference. Their application and all substantive mortgage prepayment restrictions remain held. **C020, C035; S006, S008.** [Consumer Financial Protection Bureau+1](https://www.consumerfinance.gov/rules-policy/regulations/1026/18/?utm_source=chatgpt.com)\n\n## 4. What the allocation methods actually calculate\n\n### Sum of digits\n\nFor the equal-period, equal-installment model used below:\n\nPlain text\n```\nn = original number of stipulated monthly installments\nk = number of full model periods elapsed, with scheduled installments paid\nF = total precomputed interest charge\nS(n) = 1 + 2 + ... + n = n * (n + 1) / 2\n\nPeriod-j allocated interest = F * (n - j + 1) / S(n)\n\nUnearned amount after period k:\nR_digits(k) = F * S(n - k) / S(n)\n\nAllocated earned amount:\nE_digits(k) = F - R_digits(k)\n```\n\nThe familiar denominator is **78 only when n = 12**. For three installments it is 6; for six it is 21. The official Wisconsin explanation uses descending installment weights and expressly discusses terms other than twelve months. The generalized notation above is a mathematical restatement of that construction. [dfi.wi.gov](https://dfi.wi.gov/Pages/ConsumerServices/WisconsinConsumerAct/Ruleof78s.aspx?utm_source=chatgpt.com)\n\nThis calculation allocates a **specified precomputed charge**. It does not establish the charge’s legality, identify the correct contractual refund method, determine whether payment was received on time, or say that every extra remittance changes k. In this illustration, elapsed periods and paid scheduled installments coincide. Irregular timing, unequal payments, extensions, and partial prepayments require further rules.\n\n### Constant-rate balance allocation\n\nThe Federal Reserve’s generic constant-yield explanation allocates interest using outstanding principal times a periodic rate, with the remainder of a payment credited to principal. Its example expressly warns that law, contracts, and implementations may differ. [federalreserve.gov+1](https://www.federalreserve.gov/pubs/leasing/resource/different/early_info5.htm?utm_source=chatgpt.com)\n\nFor this pass’s stipulated model:\n\nPlain text\n```\nI_k = r * B_(k-1)\nprincipal_component_k = C_k - I_k\nB_k = B_(k-1) + I_k - C_k\n\nG_k = sum of remaining scheduled payments\nR_balance(k) = G_k - B_k\n```\n\nHere:\n\n- B_k is a **model net balance** used for the comparison.\n- G_k is the remaining **gross precomputed obligation**.\n- r is a stipulated rate per model month.\n- The refund comparison is made immediately after an on-time installment, with no additional elapsed fraction.\n\nThis is an **actuarial-style mathematical benchmark**, consistent with the read payment-allocation concept. It is **not a determination of the legally required §1615 refund**. The statute’s definition has been read completely, but no actual contract, applicable refund rate, timing convention, state definition, or complete transaction-specific method has been established. The definition’s deficiency language also does not authorize real-world capitalization.\n\n## 5. Eight worked branches\n\nThere are **eight branches**: **four new arithmetic branches**—W02, W03, W04, W06—**one reviewed numerical reuse**, W01, and **three qualitative/trigger branches**, W05, W07, W08. W03 compares two allocation rules for one new stipulated set of cash flows. It does not rerun a P01 schedule.\n\n| Example | Stipulated facts and steps | Result or conditional conclusion | Missing evidence and adverse error to avoid |\n| --- | --- | --- | --- |\n| **W01 — Reviewed simple-interest extra principal** | Reuse P01: $10,000; 1% per stipulated month; rounded accrued interest; $888.49 regular payment. Baseline ends with $888.47 at month12. Additional $2,000 principal immediately after month3 produces month10 payoff with $494.88 final payment. | Reused totals: baseline cash **$10,661.86**, interest **$661.86**; accelerated cash **$10,491.29**, interest **$491.29**; saving **$170.57**. | Permission, actual allocation, penalties, receipt/accrual rules, and contract consequences remain unknown. **Error:** calling the saving a legal entitlement or assuming a recast/due-date advance. S013; C001, C033, C038. |\n| **W02 — Full prepayment, refund method unresolved** | New model: advance $331; three payments of $133.10; all excess over advance stipulated to be precomputed interest. After the first scheduled payment, gross remaining payments are **$266.20**. Let lawful refund be R. | Conditional net payment: 266.20 - R. Cumulative net outflow: 399.30 - R. Retained interest: 68.30 - R. **No numerical legal R selected.** | Need applicable refund method, law, and contract. A three-month term does not satisfy §1615(b)’s term condition, but that does not authorize any particular method. **Error:** equating remaining gross installments with principal. |\n| **W03 — Competing allocations** | Same new $331 advance and three $133.10 payments. Compare descending weights 3,2,1 with a stipulated constant-rate allocation at 10% per model month. Complete calculations follow. | After installment1: sum-of-digits net payment **$232.05**; balance-method benchmark **$231.00**. Difference **$1.05**. After installment2, with stipulated cash rounding: **$121.72 versus $121.00**. | These are alternative mathematical allocations, not an authorized method switch or legal refund award. No APR is calculated or certified. |\n| **W04 — Partial payment is not the full-payment trigger** | Immediately after W03 installment1, an additional $50 is tendered. **Branch A:** assume lawful immediate principal application in a balance-accrual model: 231 - 50 = 181; next model-period interest 181 * .10 = 18.10. **Branch B:** assume only a $50 credit against the gross precomputed obligation: 266.20 - 50 = 216.20. | Branch A’s next-period modeled interest is $5 below $23.10. Branch B establishes only the gross credit; it does not establish a refund or changed interest allocation. | Need permission, allocation order, and partial-prepayment terms. §1615(a)’s full-prepayment condition is not demonstrated by this $50 alone. **Error:** importing Branch A’s interest saving into Branch B. |\n| **W05 — Term/date/scope boundaries** | Compare stipulated transaction terms of exactly61 versus62 months; consummation on September30 versusOctober1,1993; or unknown purpose, creditor status, term, and date. | Only the term > 61 and date after September30,1993 combination passes those two §1615(b) predicates. Other predicates still must be met. Unknown facts produce an applicability hold. | Need legally relevant term and consummation characterization, consumer purpose, creditor/assignee status, and precomputed structure. **Error:** treating a failed floor predicate as affirmative permission. |\n| **W06 — Minimum-charge disclosure versus authority** | Separate hypothetical simple-interest branch using W03’s first-period paid interest of $33.10 and remaining principal $231. Assume a proposed total minimum interest charge of $40, solely to test accounting. | Incremental amount would be 40 - 33.10 = 6.90; conditional payoff 231 + 6.90 = 237.90; cumulative cash **$371**, consisting of $331 principal plus $40 interest/charge. Commentary classifies a simple-interest minimum finance charge as a penalty example. | **Lawfulness of the $40 term is unresolved.** It is not a permitted amount or cap. **Error:** adding the full $40 again, or treating disclosure as authorization. |\n| **W07 — Refinancing/acceleration versus settlement/write-off** | Full prepayment is made through refinancing, consolidation, restructuring, or following acceleration; alternatively, only acceleration, a settlement label, or an accounting write-off occurs. | The first group is expressly addressed by §1615(a)(3) when the required prepayment occurs. The alternative facts do not, by label alone, establish that trigger or its consequences. | Need actual legal characterization, full-prepayment facts, and any separate applicable rule. **Error:** treating acceleration alone, settlement, write-off, and full payment as interchangeable events. |\n| **W08 — Small refund and statement duties** | Assume the otherwise-computed total refund is $0.99 or $1.00. Separately, assume a written request satisfying §1615(c), with no actual calendar. | $0.99 falls within §1615(a)(2); $1.00 does not. A qualifying written request requires a written statement; one annual statement is free under (c)(3). | No consumer deadline or request is generated. **Error:** calling the five-day statement period the refund deadline, splitting a total refund into sub-$1 components, or inventing a permissible statement fee. |\n\n### W03: fully specified new arithmetic illustration\n\nThe **10% monthly factor is deliberately artificial** to produce transparent exact-dollar arithmetic. It is not a live quote, lawful-rate finding, annual note rate, disclosed APR, or effective annual yield.\n\n| Input | Stipulation |\n| --- | --- |\n| Principal advanced at model time0 | $331.00 |\n| Model amount financed | $331.00, because the illustration assumes no other charges or adjustments |\n| Gross scheduled obligation | Three end-of-month payments of $133.10 |\n| Total precomputed interest | 3 * 133.10 - 331.00 = 68.30 |\n| Time units | Three equal relative model months; no calendar dates, holidays, or receipt conventions |\n| Balance-method periodic factor | r = 0.10 per model month |\n| Allocation | Model interest first; remainder to principal; no unpaid-interest deficiency |\n| Other items | No penalties, minimum charges, taxes, insurance, credits, or costs in W03 |\n| Rounding | Balance-method rows happen to be exact cents. Sum-of-digits calculations retain fractional cents until the specified payoff refund is rounded to the nearest cent; no half-cent tie occurs. |\n\n#### Balance-method steps\n\n| Period | Beginning model balance | Interest: beginning balance × .10 | Payment | Principal component | Ending model balance |\n| --- | --- | --- | --- | --- | --- |\n| 1 | $331.00 | $33.10 | $133.10 | $100.00 | $231.00 |\n| 2 | $231.00 | $23.10 | $133.10 | $110.00 | $121.00 |\n| 3 | $121.00 | $12.10 | $133.10 | $121.00 | $0.00 |\n| **Total** | — | **$68.30** | **$399.30** | **$331.00** | **$0.00** |\n\nAfter installment1:\n\nPlain text\n```\nRemaining gross scheduled payments = 133.10 + 133.10 = 266.20\nBalance-method unearned amount = 266.20 - 231.00 = 35.20\nNet prepayment benchmark = 266.20 - 35.20 = 231.00\n\nSum-of-digits denominator = 3 + 2 + 1 = 6\nSum-of-digits unearned amount = 68.30 * (2 + 1) / 6 = 34.15\nNet prepayment under that model = 266.20 - 34.15 = 232.05\n```\n\nThe difference is **$1.05**. Under these inputs, the sum-of-digits allocation retains more interest at that point. This is not a universal numerical relationship for every possible transaction.\n\n#### Reconciliation at the two hypothetical payoff points\n\n| Payoff point and allocation | Cumulative scheduled payments already made | Allocated earned interest, cash-rounded where necessary | Unearned amount/refund used | Remaining gross payments | Net prepayment | Total net cash outflow |\n| --- | --- | --- | --- | --- | --- | --- |\n| After1: balance benchmark | $133.10 | $33.10 | $35.20 | $266.20 | $231.00 | **$364.10** |\n| After1: sum of digits | $133.10 | $34.15 | $34.15 | $266.20 | $232.05 | **$365.15** |\n| After2: balance benchmark | $266.20 | $56.20 | $12.10 | $133.10 | $121.00 | **$387.20** |\n| After2: sum of digits | $266.20 | $56.92 | $11.38 | $133.10 | $121.72 | **$387.92** |\n\nFor the second sum-of-digits point:\n\nPlain text\n```\nUnrounded unearned amount = 68.30 / 6 = 11.383333...\nCash-rounded unearned amount = 11.38\nNet prepayment = 133.10 - 11.38 = 121.72\nTotal net cash = 266.20 + 121.72 = 387.92\nRetained charge = 387.92 - 331.00 = 56.92\n```\n\nThe cent adjustment is disclosed; the report does not pretend that the fractional-cent ledger amount and cash refund are identical.\n\nCash conservation at the first payoff point is:\n\nPlain text\n```\nBalance benchmark:\n133.10 + 231.00 = 331.00 + 33.10 = 364.10\n\nSum of digits:\n133.10 + 232.05 = 331.00 + 34.15 = 365.15\n```\n\nIf the remaining gross amount were paid first and the refund returned separately, the **nominal net cash** would instead be:\n\nPlain text\n```\nprior cash + gross prepayment - refund\n```\n\nIf the refund is deducted in calculating the payment, it is:\n\nPlain text\n```\nprior cash + (gross prepayment - refund)\n```\n\nThe refund appears **once** in either accounting route. A later cash refund can have different timing consequences from an immediate deduction; nominal equality does not certify equal present value or lawful delivery timing. The Federal Reserve’s generic explanation describes both refund and deduction structures, subject to its limitations. [federalreserve.gov](https://www.federalreserve.gov/pubs/leasing/resource/different/early_exp5.htm?utm_source=chatgpt.com)\n\n### Explicit arithmetic self-check ledger\n\nThese are **32 explicitly listed arithmetic checks**, not 32 independent reviews, software tests, or compliance validations. Checks01–31 concern the new hypothetical branches; check32 identifies the source inconsistency. W01’s reviewed schedules were not recalculated.\n\n| Check | Arithmetic actually checked | Result |\n| --- | --- | --- |\n| K01 | 3 * 133.10 | 399.30 |\n| K02 | 399.30 - 331.00 | 68.30 |\n| K03 | 1 + 2 + 3 | 6 |\n| K04 | 331.00 * .10 | 33.10 |\n| K05 | 133.10 - 33.10 | 100.00 |\n| K06 | 331.00 - 100.00 | 231.00 |\n| K07 | 231.00 * .10 | 23.10 |\n| K08 | 133.10 - 23.10 | 110.00 |\n| K09 | 231.00 - 110.00 | 121.00 |\n| K10 | 121.00 * .10 | 12.10 |\n| K11 | 133.10 - 12.10 | 121.00 |\n| K12 | 121.00 - 121.00 | 0.00 |\n| K13 | 100.00 + 110.00 + 121.00 | 331.00 |\n| K14 | 33.10 + 23.10 + 12.10 | 68.30 |\n| K15 | 399.30 - 133.10 | 266.20 |\n| K16 | 68.30 * (2 + 1) / 6 | 34.15 |\n| K17 | 266.20 - 34.15 | 232.05 |\n| K18 | 266.20 - 231.00 | 35.20 |\n| K19 | 133.10 + 232.05 | 365.15 |\n| K20 | 133.10 + 231.00 | 364.10 |\n| K21 | 365.15 - 364.10 | 1.05 |\n| K22 | 68.30 / 6, rounded at cash-refund step | 11.383333… → 11.38 |\n| K23 | 133.10 - 11.38 | 121.72 |\n| K24 | 121.72 - 121.00 | 0.72 |\n| K25 | 231.00 - 50.00 | 181.00 |\n| K26 | 181.00 * .10 | 18.10 |\n| K27 | 23.10 - 18.10 | 5.00 |\n| K28 | 266.20 - 50.00 | 216.20 |\n| K29 | 40.00 - 33.10 | 6.90 |\n| K30 | 231.00 + 6.90 | 237.90 |\n| K31 | 133.10 + 237.90 | 371.00 |\n| K32 | Federal Reserve example’s printed operands: 18,800.00 - 318.61 | **18,481.39**, not its printed 18,159.68 |\n\n## 6. Reconciliation and blank generic prepayment audit worksheet\n\nTwo different starting balances must not be mixed.\n\n**Accruing-balance route:**\n\nPlain text\n```\nConditional payoff =\n  outstanding principal\n+ accrued, unpaid earned interest through the applicable endpoint\n+ separately authorized amounts not already included\n- applicable credits/refunds not already applied\n```\n\n**Gross precomputed-obligation route:**\n\nPlain text\n```\nRemaining gross obligation =\n  original scheduled gross obligation\n- payments already credited against that obligation\n- adjustments already credited\n\nConditional net prepayment =\n  remaining gross obligation\n- applicable unearned-charge refund\n- other unapplied credits\n+ separately authorized penalty\n+ any lawful incremental minimum-charge adjustment\n+ other authorized amounts not already included\n```\n\nThese are reconciliation structures, **not legal payoff formulas valid for every debt**. Prior payments must not be subtracted again from an already-net principal balance. Future unearned interest must not be subtracted from a balance that never included it. A refund already netted into a payoff must not also be counted as a second cash receipt.\n\nFor a fee-free precomputed model, the check is:\n\nPlain text\n```\nprior payments + net prepayment = original principal + retained earned interest\n```\n\nOther charges, credits, and separate cash flows must be added explicitly if they exist and are legally applicable.\n\n### Blank worksheet\n\nThis worksheet is intentionally generic. It contains no person, creditor, account, property, license, or case identifier and is not a request to obtain records.\n\n| Audit field | Blank entry | What must be established before application |\n| --- | --- | --- |\n| Governing jurisdiction and transaction category | ______ | Applicable federal/product/state/local rules; no inference from a generic educational source |\n| Consumer-purpose status | ______ | Natural-person and primary-purpose predicates; C003 |\n| Creditor/assignee category | ______ | Relevant statutory definition, including assignment; C004–C005 |\n| Transaction structure | ______ | Accruing balance, precomputed/add-on, mixed charges, or other structure |\n| Original and legally modified term | ______ | Term relevant to the transaction being prepaid; not merely payments remaining |\n| Consummation/effective-law facts | ______ | Relevant date characterization and governing version; C009–C010 |\n| Event being analyzed | ______ | Full prepayment, partial payment, refinancing, acceleration-related payment, or another event |\n| Original principal and proceeds | ______ | Separate gross note amount, amount financed, direct proceeds, and financed charges |\n| Precomputed interest and other finance charges | ______ | Identify each component; §1615 interest duty does not automatically resolve all fees |\n| Prior payments and allocation | ______ | Which payments reduced principal, paid interest/fees, or were held/credited elsewhere |\n| Existing credits and adjustments | ______ | Amount, timing, legal basis, and whether already reflected in the balance |\n| As-of point and accrual endpoint | ______ | Receipt/value date, endpoint inclusivity, day count, partial-period treatment |\n| Prepayment permission and conditions | ______ | Applicable law and relevant contract/blank-form clause; no permission inferred from mathematics |\n| Extra-payment allocation | ______ | Principal application, future-installment treatment, fee/interest priority, and any instructions |\n| Refund method and rate inputs | ______ | Complete operative method, periodic rate, timing, rounding, and applicable state comparison |\n| Penalty or waived-cost recapture | ______ | Classification separately from authority, trigger, amount, exceptions, and prior disclosure |\n| Minimum-charge adjustment | ______ | Whether lawful; total minimum versus incremental amount remaining after earned charges |\n| Other claimed costs | ______ | Separate legal/contract authority and prevention of double counting |\n| Refund delivery/deduction | ______ | Whether a cash refund or credit is due; whether already netted; applicable timing |\n| Statement-duty facts, if relevant | ______ | Qualifying request, receipt facts, written/oral form, annual free statement, and fee conditions—no request made here |\n| Consequences for schedule/security | ______ | Recast, maturity, due dates, satisfaction, and release rules require separate support |\n| Final accounting check | ______ | Reconcile principal, retained interest, authorized costs, credits, total cash, and ending balance |\n\nA future **generic** packet can examine published state/product law and blank-form clauses. Under the present owner limits, that research still cannot prove what a particular consumer agreed to or determine an actual payoff.\n\n## 7. Atomic claim table: mathematics, reconciliation, and evidence limits\n\n| Claim ID | Exact assertion | Source and pinpoint | Conditions, units, status, and limits |\n| --- | --- | --- | --- |\n| **R004-P3-C039** | The stated sum-of-digits model allocates F using descending weights; its unearned fraction after k complete model periods is S(n-k)/S(n). | S010 explanation/table; derivation in §4 above. | **Derived mathematics.** Equal stipulated installments/periods; denominator78 only for12 periods. No legal permission inferred. |\n| **R004-P3-C040** | The balance benchmark uses I=r*B, payment first to modeled interest, and remainder to principal. | S001 §1615(d)(1); S009 early_info5.htm; stated W03 assumptions. | **Conditional model.** No actual refund-rate selection, day-count rule, capitalization permission, or legal APR. |\n| **R004-P3-C041** | W03’s three payments total $399.30, comprising $331 principal and $68.30 modeled interest, with ending balance zero under its balance recurrence. | W03; K01–K14. | **New derived arithmetic**, dollars and model months. No actual charge authorized. |\n| **R004-P3-C042** | After W03 installment1, the two modeled refunds are $34.15 and $35.20; corresponding net payments differ by $1.05. | W03; K15–K21; method bases S009/S010. | **New derived comparison**, same original cash flows; alternative earning allocations. |\n| **R004-P3-C043** | After installment2, rounding the sum-of-digits refund at the specified cash step produces $11.38 and a $121.72 net payment, $0.72 above the balance benchmark. | W03; K22–K24. | **New derived arithmetic.** Rounding convention is stipulated, not attributed to law. |\n| **R004-P3-C044** | W04’s immediate-principal branch produces B=$181 and next-period interest=$18.10; its gross-credit branch only establishes G=$216.20. | W04; K25–K28; S001 full-prepayment trigger; S007 contract control. | **Alternative conditional models.** No automatic partial-payment refund or allocation right. |\n| **R004-P3-C045** | W06’s assumed $40 total minimum requires only a $6.90 incremental addition after $33.10 paid interest, producing conditional cash totals shown. | W06; K29–K31; S006 comment18(k)(1)-1.iii. | **Arithmetic/classification separated from authority.** $40 is invented solely as a hypothetical input, not a lawful minimum or cap. |\n| **R004-P3-C046** | Gross-payment-plus-refund and net-deduction accounting must recognize the refund once; prior credited payments must also be recognized once. | S009 early_exp5.htm, refund/deduction explanation; W02/W03 and §6 identities. | **Derived reconciliation.** Nominal cash equality is not timing/PV equivalence or permission for either delivery mechanism. |\n| **R004-P3-C047** | The $170.57 P01 saving remains model-only and cannot be transferred mechanically to a precomputed charge or an unknown allocation contract. | S013 reviewed premise; S001/S006 structure distinctions; W01/W04. | **Reviewed reuse plus bounded inference.** No fresh P01 schedule calculation. |\n| **R004-P3-C048** | One Federal Reserve Rule-of-78 example balance line is inconsistent with its printed operands. | S009 early_exp4.htm, first-payment principal and month1 balance lines; K32. | **New arithmetic observation.** No diagnosis of the publishing cause; no silent correction or adoption of the whole source schedule. |\n| **R004-P3-C049** | Source currency is bounded by the displayed compilation dates and actual read extent; historical editions, generic education, failed access, and current renderings are distinct evidence categories. | S001–S012/S014; read log. | **Evidence-status finding.** No comprehensive post-cutoff amendment or litigation-status certificate. |\n| **R004-P3-C050** | Actual lawful refund, charging permission, legal APR, and A004/component/parent/calculator/operations/publication acceptance remain unresolved or expressly ungranted. | S013 preserved limits; C010, C016–C018, C033, C038 and model conditions. | **Scope conclusion.** Correct arithmetic does not close the missing legal and contractual predicates. |\n\n## 8. Granular coverage table\n\n“Answered” refers to the stated generic research question. It does not mean actual application has been resolved.\n\n| Assigned question/branch | Status and reason | Claim/example links | Exact missing authority/input and next bounded action |\n| --- | --- | --- | --- |\n| Q1: complete §1615 body | **Answered.** All subsections and displayed section notes read. | C002–C017; S001/S002 | None for the read body. Retain compilation cutoff. |\n| Q1: mandatory refund trigger | **Answered conditionally.** Full prepayment and unearned interest are required predicates. | C006; W02 | Actual qualifying event and unearned amount absent; actual application remains held. |\n| Q1: de minimis exception | **Answered.** Total refund less than $1. | C007; W08 | Other applicable law/contract may provide more; examine only in a future generic jurisdiction packet. |\n| Q1: refinancing/consolidation/restructuring | **Answered at statutory trigger level.** Expressly included when required prepayment occurs. | C008; W07 | Legal characterization and payment facts not supplied or investigated. |\n| Q1: acceleration | **Answered/partial.** Express inclusion of prepayment resulting from acceleration; acceleration alone not equated with full prepayment. | C008; W07 | Separate acceleration/accounting/product law remains held. |\n| Q1: term threshold | **Answered.** “Exceeding61 months,” not “61 or more.” | C009–C010; W05 | Legally applicable transaction term unknown. Future generic analysis should distinguish original and modified obligations. |\n| Q1: transaction-date trigger | **Answered.** After September30,1993 for subsection(b). | C009–C010; W05 | Historical consummation and governing law facts absent. No individual calendar calculation. |\n| Q1: earlier transactions | **Partial.** No automatic extension of subsection(b)’s date to(a)/(c). | C002, C010 | Cross-enactment/retroactivity authority and original surrounding enactment provisions not fully established; obtain readable official §933 context in a later bounded packet if needed. |\n| Q1: consumer/creditor definitions | **Answered generically.** Incorporated definitions read. | C003–C004 | Actual actor/purpose status absent; no entity or borrower lookup permitted. |\n| Q1: assignees | **Answered.** Express statutory inclusion. | C005 | No actual assignment or responsible-party determination. |\n| Q1: statement contents and five-day period | **Answered conditionally.** Exact type of statement and triggering request identified. | C011; W08 | No request/receipt facts; day-count/holiday computation held. |\n| Q1: written response | **Answered.** Written request requires writing. | C012 | No actual request made. |\n| Q1: one free statement/additional fees | **Answered conditionally.** Annual free entitlement and additional-fee conditions read. | C013–C014; W08 | Reasonableness, actual cost, and other fee restrictions unresolved; no fee amount proposed. |\n| Q1: statutory actuarial definition | **Answered.** Complete operative definition read. | C015–C016 | Definition does not supply every computational input; actual refund calculation held. |\n| Q1: implementing authority | **Partial.** No separate general formula established; relevant RegZ incorporation identified. | C017 | A further generic authority packet could examine an identified implementing rule if discovered; absence of a search hit is not “no rule.” |\n| Q1: currentness and amendment notes | **Partial with explicit bounds.** Current OLRC body and historical official edition compared. | C002, C049 | Comprehensive session-law audit after October15,2026 not performed. |\n| Q2: complete §18(k) and relevant commentary | **Answered at read level.** Both paragraphs and all targeted comments read. | C021–C032 | Current eCFR Supplement I full-page retrieval failed; CFPB current commentary remained readable. |\n| Q2: periodically computed charge branch | **Answered.** Penalty statement for all/part early principal payment. | C021 | Actual charge authority and amount remain held. |\n| Q2: precomputed/other charge branch | **Answered.** Rebate statement; includes incomplete recognition of principal reductions. | C022 | Applicable refund method remains separate. |\n| Q2: definitive/positive/involuntary disclosure | **Answered.** All relevant distinctions read. | C023–C024 | No actual disclosure evaluated. |\n| Q2: mixed structures | **Answered.** Both disclosure types can be necessary. | C025 | Each actual component would need classification; none investigated. |\n| Q2: prepaid finance charge | **Answered within §18(k).** No automatic penalty/rebate-disclosure consequence from existence alone. | C026 | Substantive refundability of a particular fee remains held. |\n| Q2: post-payoff interest/minimum charge | **Answered as classification.** Penalty examples identified. | C027–C028; W06 | Applicable permission/prohibition and amount require separate law/terms. |\n| Q2: waived and third-party costs | **Answered conditionally.** Specific exception and excess-recapture boundary retained. | C029 | Full covered-transaction and product-law application not established; no universal third-party exception. |\n| Q2: fees not labeled penalties | **Answered as classification.** Identified examples kept separate from legality. | C030 | Actual authority, reasonableness, and other statutory restrictions unresolved. |\n| Q2: more favorable state actuarial definition | **Answered as federal commentary instruction.** | C031 | Exact applicable state definition is missing; future published-law packet needed. |\n| Q2: disclosure of computation method | **Answered.** Segregated-disclosure placement restriction identified. | C032 | Contract and separately supplied method information remain distinct. |\n| Q2: mortgage disclosure routing | **Answered at necessary gateway level.** §18/§19 distinction and narrow §3(h) alternative read. | C020, C035 | Full mortgage prepayment, payoff, and substantive penalty rules excluded. |\n| Q2: consumer/business, threshold, student gateways | **Answered/partial.** Necessary screens identified without universalization. | C018, C034, C036 | Actual applicability and full product rules remain held. |\n| Q3: Rule-of-78 meaning and formula | **Answered mathematically.** Official generic explanation read. | C039; W03 | Off-cycle, unequal-payment, extension, and jurisdiction-specific formulas not established. |\n| Q3: actuarial comparison method | **Answered as a conditional model.** Complete relied-on generic explanation and statutory allocation definition read. | C015–C016, C040 | Actual rate, timing, rounding, and governing refund definition absent. |\n| Q3: legal refund amount | **Unresolved by design.** No legally applicable numerical refund selected. | C050; W02–W03 | All transaction/law/contract predicates would be required; current owner limits do not establish an actual agreement. |\n| Q3: use of P02 APR method | **Excluded.** No substitution of legacy APR equations. | C001, C050 | P02 current-equation/edition hold preserved. |\n| Q4: principal/earned/unearned/gross/credits reconciliation | **Answered as accounting framework.** Both starting-balance routes shown. | C037, C046; §6 | Actual ledger content and legally authorized components absent. |\n| Q4: minimum charge/penalty/other costs | **Answered conditionally.** Incremental versus total minimum distinguished. | C028–C030, C045; W06 | No actual charge authorized. |\n| Q4: receipt/as-of/allocation facts | **Partial.** Required facts identified, not assumed. | C016, C033; worksheet | Complete applicable receipt, day-count, allocation, and accrual authority remains a separate packet. |\n| Q4: extra payment/principal application | **Unresolved legally; modeled conditionally.** | C033, C044, C047; W01/W04 | Applicable prepayment permission and allocation clauses missing; future generic blank-form/law analysis only. |\n| Q4: recast/due date/maturity | **Answered as a limit on inference.** No automatic change established. | C033, C038 | Legally effective modification rules and clauses missing. |\n| Q4: lien release/discharge | **Unresolved.** Mathematical balance is insufficient proof. | C038 | Product/security/release law and legal satisfaction conditions excluded from actual application. |\n| Q4: settlement/write-off distinctions | **Answered only as a trigger boundary.** Labels do not establish full prepayment. | C008, C038; W07 | Settlement, discharge, accounting, tax, and credit consequences remain outside this pass. |\n| Q5: six-plus worked branches | **Answered.** Eight supplied with assumptions and adverse-error branches. | W01–W08 | Four new arithmetic branches, one reviewed reuse, three qualitative branches; no compliance count substituted. |\n| Q5: precision and conservation | **Answered for the model.** Ending balance, totals, fractions, cash rounding, and cash conservation visible. | C041–C046; K01–K31 | Production-tool validation and real ledger precision remain held. |\n| Evidence: failures and source anomaly | **Answered.** Access failures and inconsistent printed arithmetic logged. | C048–C049; log below | No failure treated as proof of no law; no silent source repair. |\n| Evidence: guidance status | **Answered within reliance scope.** Register freshly checked; no substantive circular/bulletin/advisory used. | S012; C049 | No need to treat withdrawn guidance as controlling law. |\n| Parent/acceptance boundaries | **Excluded/held as assigned.** | C050; §11 below | Separate research packets required; no acceptance granted. |\n\n## 9. Question-to-source/claim crosswalk\n\n| Assigned question | Principal sources | Principal claims | Worked/reconciliation location |\n| --- | --- | --- | --- |\n| **1. Federal statute, triggers, definitions, authority** | S001–S003, S014 | C002–C018 | W05, W07, W08 |\n| **2. Prepayment disclosures and classifications** | S004–S008, S011 | C019–C038 | W06; product boundary; worksheet |\n| **3. Sum-of-digits/actuarial comparison** | S001, S009–S010 | C015–C016, C039–C043 | W02–W03; complete equations and tables |\n| **4. Reconciliation, permission, timing, consequences** | S001, S005–S009, S013 | C033, C037–C038, C044–C047 | W01, W04, W07; §6 worksheet |\n| **5. Worked/failure branches and verification** | Sources above plus expressly stipulated model inputs | C041–C050 | W01–W08; K01–K32; read/failure log |\n\n## 10. Source-read and failure log\n\nAll actions occurred **October27,2026 PDT**. Search snippets, navigation pages, and search-only discoveries were not treated as complete operative reads.\n\n| Action/route | Actual result and content extent | Consequence and precise remaining gap |\n| --- | --- | --- |\n| OLRC preliminary route: [https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section1615&num=0&edition=prelim](https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section1615&num=0&edition=prelim) | **404.** No body obtained through this route. | Recovered through the discovered current section URL in S001. |\n| OLRC current route: [https://uscode.house.gov/us/usc/119-124/t15/s1615/](https://uscode.house.gov/us/usc/119-124/t15/s1615/?utm_source=chatgpt.com) | Initial direct open reported inaccessible; later opening the discovered result returned **complete90-line rendering**, including full section and notes. | Access failure resolved for this body. Currency taken from the body, not inferred from URL. |\n| Alternative OLRC query: [https://uscode.house.gov/view.xhtml?req=title:15%20section:1615%20edition:prelim](https://uscode.house.gov/view.xhtml?req=title:15%20section:1615%20edition:prelim) | Inaccessible through the tool. | No substantive reliance; S001 supplied the text. |\n| Discovered historical OLRC route: [https://uscode.house.gov/view.xhtml?edition=2023&num=0&req=granuleid%3AUSC-2023-title15-section1615](https://uscode.house.gov/view.xhtml?edition=2023&num=0&req=granuleid:USC-2023-title15-section1615&utm_source=chatgpt.com) | **404** on open; search snippet only. | Not counted as a historical body read. S002 supplied a readable2024 edition. |\n| Candidate2025 GovInfo HTML: [https://www.govinfo.gov/content/pkg/USCODE-2025-title15/html/USCODE-2025-title15-chap41-subchapI-partA-sec1615.htm](https://www.govinfo.gov/content/pkg/USCODE-2025-title15/html/USCODE-2025-title15-chap41-subchapI-partA-sec1615.htm) | Inaccessible. | No claim that this candidate document was read or established to exist. |\n| GovInfo2024 HTML/PDF in S002 | Complete §1615 text obtained; PDF’s printed page/index identified from extraction. | Historical official comparison available. No pixel inspection or2026 currentness claim. |\n| OLRC raw-law viewer: [https://uscode.house.gov/statviewer.html?page=3891&volume=106](https://uscode.house.gov/statviewer.html?page=3891&volume=106&utm_source=chatgpt.com) | Navigation and notice returned; no readable statutory image content. | Original-law pixels not inspected. |\n| Raw-law PDF: [https://www.govinfo.gov/content/pkg/STATUTE-106/pdf/STATUTE-106-Pg3672.pdf](https://www.govinfo.gov/content/pkg/STATUTE-106/pdf/STATUTE-106-Pg3672.pdf) | **400; content too large:70,080,456 bytes.** | Complete surrounding1992 enactment not read. Next bounded route, if needed, is a smaller official public §933 extract or accessible official enactment text—not repeated oversized fetches. |\n| Current eCFR §18, CFPB §18, annual2025 §18 PDF | Relevant operative body read successfully; annual pinpoint **p.57/index2** for(k)/(p). | Supports the disclosure text, with respective currentness limits. |\n| Current eCFR Supplement I: [https://www.ecfr.gov/current/title-12/chapter-X/part-1026/appendix-Supplement%20I%20to%20Part%201026](https://www.ecfr.gov/current/title-12/chapter-X/part-1026/appendix-Supplement%20I%20to%20Part%201026) | **400; content too large:4,194,305+ bytes.** | No full current eCFR commentary read claimed. Complete targeted commentary was available on CFPB’s current integrated and standalone pages. A smaller official commentary extract would close this access-format gap. |\n| CFPB standalone commentary: [https://www.consumerfinance.gov/rules-policy/regulations/1026/Interp-18/](https://www.consumerfinance.gov/rules-policy/regulations/1026/Interp-18/?utm_source=chatgpt.com) | Redirected to [https://www.consumerfinance.gov/rules-policy/regulations/1026/interp-18/](https://www.consumerfinance.gov/rules-policy/regulations/1026/interp-18/); targeted18(k) commentary read completely. | Same interpretation as integrated page; not independent corroboration. |\n| Federal Reserve Rule-of-78 example: [https://www.federalreserve.gov/pubs/leasing/resource/different/early_exp4.htm](https://www.federalreserve.gov/pubs/leasing/resource/different/early_exp4.htm?utm_source=chatgpt.com) | Complete short body read. First-month balance line inconsistent with its own printed subtraction; K32 documents it. | No silent correction and no adoption of that example as a validated schedule, legal refund, or legal APR. |\n| Bounded implementing-authority searches | Official-domain searches surfaced disclosure references, product-specific mortgage materials, historical proposals/final rules, and unrelated results. Search-only items were not adopted. A Congress-domain search reported a non-retryable robots restriction; no bypass attempted. | No exhaustive “no implementing rule exists” conclusion. Product-specific authority remains a future packet. |\n| P01/P02 materials | Reviewed premises reused from the supplied chat instruction; no model regeneration or Appendix J placeholder retries. | Old provenance and holds preserved. |\n\n## 11. Self-check and remaining holds\n\n### Researcher self-check—not independent review\n\n| Check | Result |\n| --- | --- |\n| Complete §1615 read | Complete(a)–(d), exceptions, source credit, and codification note read from current OLRC body; historical official edition also read. |\n| Distinct triggers maintained | Full-prepayment refund, method floor, statement duty, and disclosure duties kept separate. |\n| No false universal threshold | “Exceeding61 months” and September1993 condition confined to the identified subsection; no shorter-term permission inferred. |\n| No disclosure-as-permission inference | Penalty/rebate labels do not approve charging, establish refund amount, or prove a prepayment right. |\n| No APR substitution | P02 equations/roots not rerun or repurposed as a refund rule; current legal APR remains held. |\n| Mathematical checks | **32 explicit arithmetic checks** shown; new three-period balance reaches zero and reconciles total principal/interest/cash. |\n| Rounding | Fractional-cent sum-of-digits amount and cash-rounded refund distinguished. |\n| Reviewed work preserved | W01 is reviewed reuse; no new P01 schedule claim. |\n| Source quality | Current bodies, historical editions, generic education, metadata, failures, and source inconsistency separately labeled. |\n| Guidance | Withdrawn Guidance register checked; no substantive CFPB circular/bulletin/advisory relied on. |\n| Owner limits | No actual or hypothetical identifier lookup, borrower/provider/entity/account/property/case search, contact, filing, records request, account change, subagent, browser control, API workaround, or file write performed. |\n| Acceptance | No A004/component/parent/calculator/operations/publication acceptance asserted. |\n\n### Precise remaining packets and boundaries\n\n| Remaining area | What remains held |\n| --- | --- |\n| **Current legal APR / Appendix J** | Current equation identity, adequate official-edition/amendment comparison, and legal APR application remain exactly as held after P02. |\n| **Actual prepayment/refund application** | Applicable jurisdiction and product rules; actual agreement; lawful permission and allocation; refund rate/timing/rounding; penalties, minimum charges, credits, payoff, and release consequences. Generic research cannot establish an actual agreement within these owner limits. |\n| **Broader prepayment law** | Complete state/local/tribal/country rules; product-specific mortgage, auto, student, payday, BNPL, business/commercial rules; irregular or modified precomputed obligations; additional rebate/penalty restrictions and their effective-date histories. |\n| **Interest and payment mechanics** | Complete compound interest/capitalization; open-end/cards/grace; minimum-payment and negative-amortization law; variable/penalty/deferred interest; receipt, day-count, allocation, accrual, and late/collection-cost rules. |\n| **Historical/currentness completion** | Comprehensive post-October15,2026 session-law audit; original1992 surrounding enactment/effective-context inspection where historical application matters; smaller official current commentary rendering if required for an edition comparison. |\n| **Tools and intersections** | Production-tool validation/error handling; bankruptcy, tax, settlement, credit, eligibility, operating permission, publication, and all other unaddressed A004 dimensions. |\n\nThe supported result of this pass is a **federal trigger and disclosure framework plus transparent conditional arithmetic**. The reviewed $170.57 simple-interest saving remains intact. The new comparison shows how two specified allocations can produce different retained-interest and net-payment amounts from the same original scheduled cash flows. **Neither result determines an actual lawful charge or refund.**\n\nEND R004 PASS-03.\n\n","tables":[{"headers":["Item","Treatment in this pass"],"index":0,"links":[],"row_links":[[],[],[],[],[],[],[],[]],"rows":[["Item","Treatment in this pass"],["Reviewed P01 mathematics","Preserved as user-supplied reviewed premises. The six models and their schedules were not rerun."],["Reviewed P01 extra-principal comparison","Retained: modeled interest falls from $661.86 to $491.29, saving $170.57, under the stipulated original convention and allocation assumptions. This remains a model result."],["Reviewed P02","Preserved. No Appendix J image-placeholder recovery routes were repeated."],["Current legal APR","Still held. This pass does not establish current Appendix J equation identity, resolve the prior edition/amendment gap, or relabel any numerical root as a legal APR."],["New work","Complete §1615 body and notes read; relevant disclosure rules and commentary read; official generic allocation explanations read; eight worked branches supplied, including a new finite-payment arithmetic comparison."],["Actual prepayment/refund/charge determination","Unresolved and not approved. No actual transaction, contract, payoff, refund award, fee, eligibility, or release determination was made."],["Review and provenance","This is a researcher self-check, not independent review. The prior coordinator reviews are reused as described by the user. I have not verified unseen UI model family or power settings."]]},{"headers":["Source ID","Issuer/title and complete literal HTTPS URL(s)","Exact relevant pinpoint and read extent","Version, status, effective-trigger information","Actual check and jurisdiction/limits"],"index":1,"links":[{"href":"https://uscode.house.gov/us/usc/119-124/t15/s1615/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-124/t15/s1615/"},{"href":"https://uscode.house.gov/us/usc/119-124/t15/s1615/?utm_source=chatgpt.com","text":"uscode.house.gov"},{"href":"https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap41-subchapI-partA-sec1615.htm?utm_source=chatgpt.com","text":"https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap41-subchapI-partA-sec1615.htm"},{"href":"https://www.govinfo.gov/content/pkg/USCODE-2024-title15/pdf/USCODE-2024-title15-chap41-subchapI-partA-sec1615.pdf?utm_source=chatgpt.com","text":"https://www.govinfo.gov/content/pkg/USCODE-2024-title15/pdf/USCODE-2024-title15-chap41-subchapI-partA-sec1615.pdf"},{"href":"https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap41-subchapI-partA-sec1615.htm?utm_source=chatgpt.com","text":"COMMERCE AND TRADE\n+1"},{"href":"https://uscode.house.gov/us/usc/119-124/t15/s1602/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-124/t15/s1602/"},{"href":"https://uscode.house.gov/us/usc/119-124/t15/s1603/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-124/t15/s1603/"},{"href":"https://uscode.house.gov/us/usc/119-124/t15/s1602/?utm_source=chatgpt.com","text":"uscode.house.gov\n+2"},{"href":"https://uscode.house.gov/us/usc/119-124/t15/s1638/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-124/t15/s1638/"},{"href":"https://uscode.house.gov/us/usc/119-124/t15/s1638/?utm_source=chatgpt.com","text":"uscode.house.gov\n+1"},{"href":"https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-C/section-1026.18?utm_source=chatgpt.com","text":"https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-C/section-1026.18"},{"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.govinfo.gov/content/pkg/CFR-2025-title12-vol9/pdf/CFR-2025-title12-vol9-sec1026-18.pdf?utm_source=chatgpt.com","text":"https://www.govinfo.gov/content/pkg/CFR-2025-title12-vol9/pdf/CFR-2025-title12-vol9-sec1026-18.pdf"},{"href":"https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-C/section-1026.18?utm_source=chatgpt.com","text":"ecfr.gov\n+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/interp-18/","text":"https://www.consumerfinance.gov/rules-policy/regulations/1026/interp-18/"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/18/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau\n+3"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/17/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1026/17/"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/17/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau\n+1"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/1/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1026/1/"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/2/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1026/2/"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/3/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1026/3/"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/46/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1026/46/"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/43/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1026/43/"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/1/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau\n+5"},{"href":"https://www.federalreserve.gov/pubs/leasing/resource/different/early.htm?utm_source=chatgpt.com","text":"https://www.federalreserve.gov/pubs/leasing/resource/different/early.htm"},{"href":"https://www.federalreserve.gov/pubs/leasing/resource/different/early_info4.htm?utm_source=chatgpt.com","text":"https://www.federalreserve.gov/pubs/leasing/resource/different/early_info4.htm"},{"href":"https://www.federalreserve.gov/pubs/leasing/resource/different/early_info5.htm?utm_source=chatgpt.com","text":"https://www.federalreserve.gov/pubs/leasing/resource/different/early_info5.htm"},{"href":"https://www.federalreserve.gov/pubs/leasing/resource/different/early_exp4.htm?utm_source=chatgpt.com","text":"https://www.federalreserve.gov/pubs/leasing/resource/different/early_exp4.htm"},{"href":"https://www.federalreserve.gov/pubs/leasing/resource/different/early_exp5.htm?utm_source=chatgpt.com","text":"https://www.federalreserve.gov/pubs/leasing/resource/different/early_exp5.htm"},{"href":"https://www.federalreserve.gov/pubs/leasing/resource/different/early.htm?utm_source=chatgpt.com","text":"federalreserve.gov\n+4"},{"href":"https://dfi.wi.gov/Pages/ConsumerServices/WisconsinConsumerAct/Ruleof78s.aspx?utm_source=chatgpt.com","text":"https://dfi.wi.gov/Pages/ConsumerServices/WisconsinConsumerAct/Ruleof78s.aspx"},{"href":"https://dfi.wi.gov/Pages/ConsumerServices/WisconsinConsumerAct/Ruleof78s.aspx?utm_source=chatgpt.com","text":"dfi.wi.gov"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/versions/18/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1026/versions/18/"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/versions/18/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"},{"href":"https://www.consumerfinance.gov/compliance/guidance/withdrawn-guidance/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/compliance/guidance/withdrawn-guidance/"},{"href":"https://www.consumerfinance.gov/compliance/guidance/withdrawn-guidance/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau\n+1"},{"href":"https://uscode.house.gov/statviewer.html?page=3891&volume=106&utm_source=chatgpt.com","text":"https://uscode.house.gov/statviewer.html?page=3891&volume=106"},{"href":"https://www.govinfo.gov/content/pkg/STATUTE-106/pdf/STATUTE-106-Pg3672.pdf","text":"https://www.govinfo.gov/content/pkg/STATUTE-106/pdf/STATUTE-106-Pg3672.pdf"}],"row_links":[[],[{"href":"https://uscode.house.gov/us/usc/119-124/t15/s1615/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-124/t15/s1615/"},{"href":"https://uscode.house.gov/us/usc/119-124/t15/s1615/?utm_source=chatgpt.com","text":"uscode.house.gov"}],[{"href":"https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap41-subchapI-partA-sec1615.htm?utm_source=chatgpt.com","text":"https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap41-subchapI-partA-sec1615.htm"},{"href":"https://www.govinfo.gov/content/pkg/USCODE-2024-title15/pdf/USCODE-2024-title15-chap41-subchapI-partA-sec1615.pdf?utm_source=chatgpt.com","text":"https://www.govinfo.gov/content/pkg/USCODE-2024-title15/pdf/USCODE-2024-title15-chap41-subchapI-partA-sec1615.pdf"},{"href":"https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap41-subchapI-partA-sec1615.htm?utm_source=chatgpt.com","text":"COMMERCE AND TRADE\n+1"}],[{"href":"https://uscode.house.gov/us/usc/119-124/t15/s1602/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-124/t15/s1602/"},{"href":"https://uscode.house.gov/us/usc/119-124/t15/s1603/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-124/t15/s1603/"},{"href":"https://uscode.house.gov/us/usc/119-124/t15/s1602/?utm_source=chatgpt.com","text":"uscode.house.gov\n+2"}],[{"href":"https://uscode.house.gov/us/usc/119-124/t15/s1638/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-124/t15/s1638/"},{"href":"https://uscode.house.gov/us/usc/119-124/t15/s1638/?utm_source=chatgpt.com","text":"uscode.house.gov\n+1"}],[{"href":"https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-C/section-1026.18?utm_source=chatgpt.com","text":"https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-C/section-1026.18"},{"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.govinfo.gov/content/pkg/CFR-2025-title12-vol9/pdf/CFR-2025-title12-vol9-sec1026-18.pdf?utm_source=chatgpt.com","text":"https://www.govinfo.gov/content/pkg/CFR-2025-title12-vol9/pdf/CFR-2025-title12-vol9-sec1026-18.pdf"},{"href":"https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-C/section-1026.18?utm_source=chatgpt.com","text":"ecfr.gov\n+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/interp-18/","text":"https://www.consumerfinance.gov/rules-policy/regulations/1026/interp-18/"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/18/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau\n+3"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/17/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1026/17/"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/17/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau\n+1"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/1/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1026/1/"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/2/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1026/2/"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/3/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1026/3/"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/46/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1026/46/"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/43/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1026/43/"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/1/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau\n+5"}],[{"href":"https://www.federalreserve.gov/pubs/leasing/resource/different/early.htm?utm_source=chatgpt.com","text":"https://www.federalreserve.gov/pubs/leasing/resource/different/early.htm"},{"href":"https://www.federalreserve.gov/pubs/leasing/resource/different/early_info4.htm?utm_source=chatgpt.com","text":"https://www.federalreserve.gov/pubs/leasing/resource/different/early_info4.htm"},{"href":"https://www.federalreserve.gov/pubs/leasing/resource/different/early_info5.htm?utm_source=chatgpt.com","text":"https://www.federalreserve.gov/pubs/leasing/resource/different/early_info5.htm"},{"href":"https://www.federalreserve.gov/pubs/leasing/resource/different/early_exp4.htm?utm_source=chatgpt.com","text":"https://www.federalreserve.gov/pubs/leasing/resource/different/early_exp4.htm"},{"href":"https://www.federalreserve.gov/pubs/leasing/resource/different/early_exp5.htm?utm_source=chatgpt.com","text":"https://www.federalreserve.gov/pubs/leasing/resource/different/early_exp5.htm"},{"href":"https://www.federalreserve.gov/pubs/leasing/resource/different/early.htm?utm_source=chatgpt.com","text":"federalreserve.gov\n+4"}],[{"href":"https://dfi.wi.gov/Pages/ConsumerServices/WisconsinConsumerAct/Ruleof78s.aspx?utm_source=chatgpt.com","text":"https://dfi.wi.gov/Pages/ConsumerServices/WisconsinConsumerAct/Ruleof78s.aspx"},{"href":"https://dfi.wi.gov/Pages/ConsumerServices/WisconsinConsumerAct/Ruleof78s.aspx?utm_source=chatgpt.com","text":"dfi.wi.gov"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/versions/18/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1026/versions/18/"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/versions/18/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"}],[{"href":"https://www.consumerfinance.gov/compliance/guidance/withdrawn-guidance/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/compliance/guidance/withdrawn-guidance/"},{"href":"https://www.consumerfinance.gov/compliance/guidance/withdrawn-guidance/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau\n+1"}],[],[{"href":"https://uscode.house.gov/statviewer.html?page=3891&volume=106&utm_source=chatgpt.com","text":"https://uscode.house.gov/statviewer.html?page=3891&volume=106"},{"href":"https://www.govinfo.gov/content/pkg/STATUTE-106/pdf/STATUTE-106-Pg3672.pdf","text":"https://www.govinfo.gov/content/pkg/STATUTE-106/pdf/STATUTE-106-Pg3672.pdf"}]],"rows":[["Source ID","Issuer/title and complete literal HTTPS URL(s)","Exact relevant pinpoint and read extent","Version, status, effective-trigger information","Actual check and jurisdiction/limits"],["R004-P3-S001","U.S. House, Office of the Law Revision Counsel, 15 U.S.C. §1615. https://uscode.house.gov/us/usc/119-124/t15/s1615/","Complete section (a)–(d), source credit, codification note, and footnote read. HTML body lines 20–85 in the returned rendering.","Body states laws in effect through Public Law 119-124, October 15, 2026. Source credit: Pub. L. 102-550, title IX, §933, October 28, 1992, 106 Stat. 3891. No separate amendment or effective-date note appears under this section in the read body. The explicit transaction-date condition is in subsection (b).","Fresh, 2026-10-27. Federal statute as compiled. Post-cutoff session laws were not comprehensively audited. Initial direct access failed; opening the discovered search result subsequently returned the complete body. \nuscode.house.gov"],["R004-P3-S002","GPO/GovInfo, United States Code, 2024 Edition, §1615. https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap41-subchapI-partA-sec1615.htm\nhttps://www.govinfo.gov/content/pkg/USCODE-2024-title15/pdf/USCODE-2024-title15-chap41-subchapI-partA-sec1615.pdf","Complete §1615 and codification note in HTML and extracted PDF text. Section is on printed p.1474, zero-based PDF index 0; the two-page extract also contains adjacent material, including §1616 on p.1475/index 1. Adjacent sections’ effective-date notes were not attributed to §1615.","Historical official Code edition, not October 2026 currency evidence by itself. Same underlying statute as S001.","Fresh historical read, 2026-10-27. PDF text only; no pixels. Supports comparison with S001, not an independent statute or a complete current session-law audit. \nCOMMERCE AND TRADE\n+1"],["R004-P3-S003","OLRC, 15 U.S.C. §§1602 and 1603. https://uscode.house.gov/us/usc/119-124/t15/s1602/\nhttps://uscode.house.gov/us/usc/119-124/t15/s1603/","§1602: selected (a), (d)–(i), including the complete creditor definition in (g). §1603: complete operative numbered exemptions and displayed editorial/statutory notes, including inflation adjustment.","Each body states currency through P.L.119-124, October 15, 2026. §1603’s statutory dollar figure must be read with its inflation-adjustment note; it is not a fixed current threshold.","Fresh, 2026-10-27. Federal definitions and TILA exemptions. The precise carryover of every TILA exemption to separately enacted §1615 is not established merely by their placement in the Code. \nuscode.house.gov\n+2"],["R004-P3-S004","OLRC, 15 U.S.C. §1638, Transactions other than under an open end credit plan. https://uscode.house.gov/us/usc/119-124/t15/s1638/","Selected (a) chapeau, (a)(2), (a)(5)–(6), (a)(11)–(12). Not the entire section or all historical amendments.","Body currency P.L.119-124, October 15, 2026. Current compiled disclosure provisions; no broader historical-effective-date audit claimed.","Fresh selected-body read, 2026-10-27. Statutory disclosure foundation, distinct from §1615’s refund command. \nuscode.house.gov\n+1"],["R004-P3-S005","OFR/GPO eCFR and CFPB, 12 C.F.R. §1026.18; GPO annual CFR counterpart. https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-C/section-1026.18\nhttps://www.consumerfinance.gov/rules-policy/regulations/1026/18/\nhttps://www.govinfo.gov/content/pkg/CFR-2025-title12-vol9/pdf/CFR-2025-title12-vol9-sec1026-18.pdf","Fresh relevant body: chapeau, (b), complete (k)(1)–(2), and (p). Annual PDF: chapeau/(b), printed p.55/index 0; complete (k) and (p), printed p.57/index 2. Six-page annual extract was not treated as six independently read sources.","eCFR displayed Title 12 up to date October 23, 2026, and described itself as authoritative but unofficial. Section source note: 76 FR 79772, Dec.22, 2011; amended 78 FR 80108, Dec.31, 2013. Annual edition is Jan.1, 2025; July31,2025 production footer is not an effective date.","Fresh, 2026-10-27. Core operative prepayment-disclosure text readable in all three representations. No claim that title-wide metadata proves a section-specific amendment date or that the annual edition alone proves 2026 currency. \necfr.gov\n+4"],["R004-P3-S006","CFPB, Official Interpretations of §1026.18. https://www.consumerfinance.gov/rules-policy/regulations/1026/18/\nhttps://www.consumerfinance.gov/rules-policy/regulations/1026/interp-18/","Complete relevant 18(k)-1–3; 18(k)(1)-1.i–iii and -2.i–ii; 18(k)(2)-1.i.A–B and ii. Also scope comment 18-3, selected amount-financed commentary, and 18(p)-1. Integrated and standalone versions were cross-read as the same interpretation.","CFPB labels rendering “current regulation.” Agency electronic resource is not an official legal CFR/FR edition; S011 records that notice. A direct current eCFR Supplement I retrieval failed for size, recorded below.","Fresh, 2026-10-27. Complete targeted commentary read; no claim of reading all Supplement I or completing an amendment-by-amendment history. \nConsumer Financial Protection Bureau\n+3"],["R004-P3-S007","CFPB, §1026.17, General disclosure requirements. https://www.consumerfinance.gov/rules-policy/regulations/1026/17/","Selected (a)(1), (b), (c)(1) and complete relevant comments 17(c)(1)-1–2, including informal principal-reduction arrangements.","Current agency rendering. Historical transaction applicability and specialized timing rules not fully investigated.","Fresh, 2026-10-27. Supports legal-obligation and contract-modification distinctions, not a general servicing or prepayment right. \nConsumer Financial Protection Bureau\n+1"],["R004-P3-S008","CFPB, Regulation Z applicability gateways. https://www.consumerfinance.gov/rules-policy/regulations/1026/1/\nhttps://www.consumerfinance.gov/rules-policy/regulations/1026/2/\nhttps://www.consumerfinance.gov/rules-policy/regulations/1026/3/\nhttps://www.consumerfinance.gov/rules-policy/regulations/1026/46/\nhttps://www.consumerfinance.gov/rules-policy/regulations/1026/43/","Selected §1(a)–(c); §2(a)(10)–(14) and relevant comments; §3(a) operative provisions, §3(b)(1) and threshold commentary, selected (c)–(g), complete (h)(1)–(6) and its relevant commentary; §46(a), (b)(5), (c)(2) and related comments. §43 only selected scope passages and (b)(1) to identify the dwelling-secured context—not its full substantive penalty regime.","Current agency renderings. §3(b) comment gives $73,400 for Jan.1–Dec.31,2026, with stated exceptions. Product-specific effective and application dates remain separate gates.","Fresh selected-body reads, 2026-10-27. One related Regulation Z source group. No product eligibility, dealer/entity status, or actual transaction determination. \nConsumer Financial Protection Bureau\n+5"],["R004-P3-S009","Federal Reserve Board, Vehicle Leasing: Leasing vs. Buying—Early Termination, loan-side generic explanations/examples. https://www.federalreserve.gov/pubs/leasing/resource/different/early.htm\nhttps://www.federalreserve.gov/pubs/leasing/resource/different/early_info4.htm\nhttps://www.federalreserve.gov/pubs/leasing/resource/different/early_info5.htm\nhttps://www.federalreserve.gov/pubs/leasing/resource/different/early_exp4.htm\nhttps://www.federalreserve.gov/pubs/leasing/resource/different/early_exp5.htm","Loan-payoff discussion and complete short Rule-of-78 and Constant-Yield information/example pages. Their text equations were readable. No image equation reconstruction.","Parent page says last update May5,2003. Historical official consumer education; not current substantive charging authority. Subpages do not independently establish a newer effective date.","Fresh historical/generic read, 2026-10-27. Used for limited mathematical explanation. Source expressly conditions examples on law, contract, and implementation. One printed balance inconsistency identified; source results not adopted as a validated schedule or legal APR. \nfederalreserve.gov\n+4"],["R004-P3-S010","Wisconsin Department of Financial Institutions, The Rule of 78’s. https://dfi.wi.gov/Pages/ConsumerServices/WisconsinConsumerAct/Ruleof78s.aspx","Complete substantive explanation, 12-row table, definitions, and discussion of terms shorter/longer than 12 months; returned body lines20–116.","Official generic educational explanation; no publication/effective date established from the read body.","Fresh, 2026-10-27. Used only for the sum-of-digits allocation construction. Not proof of current Wisconsin permission, another state’s law, or any actual contract. Source’s stated APR and broad payment-practice statements were not adopted as universal rules. \ndfi.wi.gov"],["R004-P3-S011","CFPB, Regulation Z versions and user notice. https://www.consumerfinance.gov/rules-policy/regulations/1026/versions/18/","Versions list and complete user notice.","Lists April8,2026 as current part-wide version. Notice says resource does not replace official CFR/FR editions.","Fresh metadata read, 2026-10-27. Discovery/version context only; not proof §18(k) changed on April8. \nConsumer Financial Protection Bureau"],["R004-P3-S012","CFPB, Withdrawn Guidance register. https://www.consumerfinance.gov/compliance/guidance/withdrawn-guidance/","Register categories and entries read in overlapping extracts; last-modified metadata checked. Linked withdrawal notices were not separately read.","Page last modified July22,2026, 12:12 p.m. EDT.","Fresh, 2026-10-27. No substantive CFPB circular, bulletin, or advisory opinion is relied upon in this pass. Withdrawal entries are not treated as repeal of the statutes or regulations read above. \nConsumer Financial Protection Bureau\n+1"],["R004-P3-S013","Reviewed P01/P02 premises supplied in this original chat, including the current P03 instruction. No external URL exists for this evidence item.","P01 savings, totals, assumptions, prior review descriptions, and P02 legal-APR hold reused exactly as supplied.","Reviewed foundation with user-stated limits; not freshly independently verified here.","Reviewed reuse, 2026-10-27. No invented fresh-source, hash, model-provenance, or independent-review credit."],["R004-P3-S014","OLRC/GPO, raw 1992 enactment routes—access incomplete. https://uscode.house.gov/statviewer.html?page=3891&volume=106\nhttps://www.govinfo.gov/content/pkg/STATUTE-106/pdf/STATUTE-106-Pg3672.pdf","Statviewer returned navigation and a notice, without readable enactment pixels. Full public-law PDF fetch rejected for size. No raw §933 session-law body read claimed.","Historical original-law routes. §933’s enactment citation is established through S001/S002; original-law inspection remains incomplete.","Failed/limited access, 2026-10-27. Limits any claim to have comprehensively audited original-law surrounding effective provisions or cross-enactment application."]]},{"headers":["Claim ID","Exact assertion","Source and pinpoint","Conditions, status, jurisdiction, and limits"],"index":2,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Claim ID","Exact assertion","Source and pinpoint","Conditions, status, jurisdiction, and limits"],["R004-P3-C001","P01’s reviewed models and P02’s legal-APR hold remain unchanged.","S013; current user-supplied foundation.","Reviewed reuse. No new acceptance or rerun."],["R004-P3-C002","§1615 was enacted through §933 of the 1992 Housing and Community Development Act, not as part of the Consumer Credit Protection Act itself.","S001/S002, source credit and codification note.","Established federal source fact. Enactment date is October28,1992; historical applicability is not inferred solely from that date."],["R004-P3-C003","The incorporated consumer concept concerns a natural person and primarily personal, family, or household purposes.","S001 §1615(d)(2); S003 §1602(i).","Established definition. Not every debt or business-purpose transaction qualifies."],["R004-P3-C004","The ordinary statutory creditor definition requires regular extension of qualifying consumer credit and initial-payee status, with statutory special cases.","S003 §1602(g), complete paragraph.","Established definition. Finance charge or agreement for more than four installments is relevant. No actual actor classification made."],["R004-P3-C005","For §1615, creditor also includes an assignee and subsequent assignee of the described consumer credit.","S001 §1615(d)(3)(A)–(B).","Established federal inclusion. Do not stop at §1602’s original-payee wording."],["R004-P3-C006","When a consumer prepays in full the financed amount under the covered consumer credit transaction, §1615(a)(1) requires the creditor promptly to refund unearned interest.","S001 §1615(a)(1); S002 same provision.","Established conditional duty. It concerns unearned interest, not an automatic refund of every finance-charge component. “Promptly” is not converted here into a numerical refund deadline."],["R004-P3-C007","The subsection (a)(1) refund is not required by that provision when the total refund would be less than $1.","S001 §1615(a)(2).","Established exception. Exactly $1 is not “less than $1.” Other law or contract may provide more."],["R004-P3-C008","Subsection (a) applies to the described full prepayment regardless of manner or reason, expressly including refinancing, consolidation, restructuring, and prepayment resulting from acceleration.","S001 §1615(a)(3)(A)–(B).","Established conditional scope. Acceleration or restructuring without the required prepayment is a different factual branch."],["R004-P3-C009","For the required refund on a precomputed consumer credit transaction with a term exceeding 61 months, consummated after September30,1993, the method must be at least as favorable to the consumer as the actuarial method.","S001 §1615(b).","Established conjunctive test. The transaction term, date, structure, and refund trigger all matter."],["R004-P3-C010","The express 61-month/date restrictions occur in subsection (b), not in the wording of (a) or (c); their failure does not establish permission to use Rule of 78s or a universal prepayment right.","S001 §1615(a)–(c), read together.","Textual inference. Earlier-transaction retroactivity and other applicable restrictions remain unresolved."],["R004-P3-C011","For the specified request concerning a precomputed consumer credit account, the creditor or assignee must provide the full-prepayment amount and identify a required refund included in that amount before the end of the statutory five-day period beginning with receipt.","S001 §1615(c)(1)(A)–(B).","Established conditional statement duty. Oral or written request; no actual request or deadline calculated. This is not the refund deadline in (a)."],["R004-P3-C012","A written request under subsection (c) requires a written statement.","S001 §1615(c)(2).","Established. No assertion that every oral request requires a written response under this clause."],["R004-P3-C013","The consumer is entitled to one subsection (c)(1) statement each year without charge.","S001 §1615(c)(3).","Established. No invented calendar-year interpretation or actual entitlement determination."],["R004-P3-C014","Additional statements may carry a reasonable cost-covering fee if its amount is disclosed before furnishing the statement.","S001 §1615(c)(4).","Established statutory conditions. No dollar cap or actual fee approval inferred; other applicable restrictions remain relevant."],["R004-P3-C015","The statutory actuarial definition applies a payment first to accumulated finance charge, subtracts a remainder from unpaid amount financed, and adds a deficiency to that unpaid balance.","S001 §1615(d)(1), complete definition.","Established definition. Allocation description only; not a freestanding authorization for servicing capitalization."],["R004-P3-C016","That definition does not itself specify the complete rate-selection, day-count, off-cycle timing, or rounding rules needed to calculate an actual refund.","S001 §1615(d)(1); S009’s expressly conditional generic examples.","Read-boundary finding. No Appendix J formula is substituted for those missing inputs."],["R004-P3-C017","No separate generally applicable implementing refund formula was established in the bounded official-source investigation. §1026.18 commentary references §1615(d) for disclosure/classification purposes.","S001 complete section; S006 comment18(k)(2)-1.i.A; discovery/read log below.","Partial research result, not proof that no other implementing or product-specific authority exists."],["R004-P3-C018","TILA/Regulation Z exemption screens and §1615’s own predicates must be kept distinct; the complete effect of every TILA exemption on separately enacted §1615 is not resolved here.","S001 codification note and (d); S003 §1603; S008 §1026.3.","Applicability hold. No automatic importation of a dollar, product, or actor exemption into §1615."]]},{"headers":["Claim ID","Exact assertion","Source and pinpoint","Conditions, status, jurisdiction, and limits"],"index":3,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Claim ID","Exact assertion","Source and pinpoint","Conditions, status, jurisdiction, and limits"],["R004-P3-C019","§1638(a)(11) distinguishes the rebate statement for precomputed finance charges from the penalty statement for charges computed periodically on unpaid principal; (a)(12) calls for a contract reference.","S004 §1638(a)(11)–(12).","Established federal disclosure framework. Not substantive permission to impose a penalty."],["R004-P3-C020","§1026.18 excludes mortgage transactions subject to §1026.19(e) and (f); its scope commentary identifies unsecured credit, specified personal-property secured credit, and reverse-mortgage branches.","S005 chapeau; S006 comment18-3.i–iii.","Established general disclosure routing. Special exceptions such as §3(h) must also be considered; no full mortgage survey."],["R004-P3-C021","When the finance charge is computed from time to time by applying a rate to unpaid principal, §18(k)(1) requires a statement whether a charge may be imposed for early payment of all or part of principal.","S005 §1026.18(k)(1).","Established conditional disclosure duty. It does not establish the lawful amount or authority for the charge."],["R004-P3-C022","For other finance-charge structures, §18(k)(2) requires a statement whether a rebate is available upon full or partial prepayment.","S005 §1026.18(k)(2); S006 comment18(k)(2)-1.i.","Established conditional duty. Includes charges not reflecting every principal reduction, such as precomputed/add-on charges."],["R004-P3-C023","The disclosure must be definitive; absence of a penalty disclosure cannot be used to imply that no penalty applies.","S006 comment18(k)-1 and -1.i.","Established disclosure rule. A representation still is not a complete payoff calculation."],["R004-P3-C024","If a penalty or rebate is possible for any type of prepayment, the positive disclosure is required; voluntary/involuntary differences are not placed in the segregated disclosures.","S006 comment18(k)-1.ii–iii.","Established. Includes acceleration-related prepayment; does not decide acceleration’s substantive consequences."],["R004-P3-C025","One transaction can require both rebate and penalty disclosures when both charge structures are present.","S006 comment18(k)-2.","Established mixed-structure rule. A single “simple interest” label does not classify all charges."],["R004-P3-C026","A prepaid finance charge alone does not require a §18(k) disclosure and is not, solely for that reason, a §18(k)(1) penalty; optional rebate disclosure is permitted.","S006 comment18(k)-3.","Established classification/disclosure rule. Not a universal nonrefundability rule."],["R004-P3-C027","Treating a fully prepaid balance as outstanding afterward and charging interest on it is an example of a §18(k)(1) prepayment penalty.","S006 comment18(k)(1)-1.i, complete explanation and example.","Established label for this provision. Contract wording about monthly accrual does not remove the example’s classification."],["R004-P3-C028","A minimum finance charge in a simple-interest transaction is an example of a prepayment penalty.","S006 comment18(k)(1)-1.iii.","Established classification. No minimum amount or authority to collect one established."],["R004-P3-C029","Recapture of a conditionally waived origination/closing fee is a penalty example, subject to the commentary’s specific exception for waived bona fide third-party charges on full prepayment of a covered transaction sooner than 36 months after consummation.","S006 comment18(k)(1)-1.ii; S008 §43(b)(1), context only.","Established conditional classification. Exception does not encompass every third-party fee, partial payment, later payment, or excess recapture. No actual mortgage application or charging permission decided."],["R004-P3-C030","Document-preparation/provision fees imposed upon full payoff whether or not early, and loan-guarantee fees, are examples of fees not classified as penalties under §18(k)(1).","S006 comment18(k)(1)-2.i–ii.","Established classification examples. “Not a penalty” does not mean otherwise authorized or automatically collectible."],["R004-P3-C031","For the referenced refund/penalty classification, commentary directs use of an applicable state actuarial definition when it produces a greater refund than the federal definition.","S006 comment18(k)(2)-1.i.A.","Established instruction in this context. No state definition was selected or applied here."],["R004-P3-C032","A description of the earned/unearned finance-charge computation method is neither required nor permitted within the segregated §18(k)(2) disclosures.","S006 comment18(k)(2)-1.ii.","Established placement rule. It does not prohibit relevant contract terms or separately supplied information."],["R004-P3-C033","Disclosures reflect the legal obligation; an informal principal-reduction arrangement does not automatically replace the contractual payment schedule.","S007 §17(c)(1), comments -1 and -2.ii; S005 §18(p).","Established disclosure basis; related inference. Extra money alone does not establish a legally effective recast or due-date change."],["R004-P3-C034","Regulation Z has consumer-purpose, regular-extension, finance-charge/installment, actor, and exemption gates. Its 2026 amount threshold is $73,400, with real-property/principal-dwelling and private-education exceptions to that threshold exemption.","S008 §1(c)(1), §3(a), §3(b)(1), comment3(b)-3.xvii; S003 §1603 and inflation note.","Established Regulation Z screen. Not a universal debt threshold or automatic §1615 exclusion."],["R004-P3-C035","Qualifying §3(h) assistance transactions may use the specified §18 disclosure route instead of §19(e)/(f); the exception requires all listed conditions.","S008 §3(h)(1)–(6), comments3(h)-1–2.","Established conditional alternative. Subordinate lien, specified assistance purpose, no interest, specified forgiveness/deferral, restricted costs, fee condition, and compliant disclosures are required. No eligibility determination."],["R004-P3-C036","The Title IV student-loan exemption does not cover private education loans; Subpart F generally adds requirements and incorporates §18 disclosures at specified stages.","S008 §3(f), comment3(f)-1; §46(a)(1), (b)(5), (c)(2).","Gateway only. Private-education charging/prepayment law is not investigated or approved here."],["R004-P3-C037","Note face amount, principal, amount financed, and consumer proceeds can differ; precomputed interest in a gross obligation is not thereby all principal.","S004 §1638(a)(2); S005 §18(b); S006 comment18(b)(3)-2.","Established disclosure/accounting distinction. The new model makes them equal only where expressly stipulated."],["R004-P3-C038","These sources do not establish that an increased payment alone releases a lien, discharges every obligation, or changes maturity; those conclusions require the applicable obligation and governing rules.","S005 §18(p); S007 comment17(c)(1)-1–2; scope of S001.","Bounded inference/hold. A mathematical zero under assumed components is not proof of legal satisfaction of every secured obligation."]]},{"headers":["Example","Stipulated facts and steps","Result or conditional conclusion","Missing evidence and adverse error to avoid"],"index":4,"links":[],"row_links":[[],[],[],[],[],[],[],[],[]],"rows":[["Example","Stipulated facts and steps","Result or conditional conclusion","Missing evidence and adverse error to avoid"],["W01 — Reviewed simple-interest extra principal","Reuse P01: $10,000; 1% per stipulated month; rounded accrued interest; $888.49 regular payment. Baseline ends with $888.47 at month12. Additional $2,000 principal immediately after month3 produces month10 payoff with $494.88 final payment.","Reused totals: baseline cash $10,661.86, interest $661.86; accelerated cash $10,491.29, interest $491.29; saving $170.57.","Permission, actual allocation, penalties, receipt/accrual rules, and contract consequences remain unknown. Error: calling the saving a legal entitlement or assuming a recast/due-date advance. S013; C001, C033, C038."],["W02 — Full prepayment, refund method unresolved","New model: advance $331; three payments of $133.10; all excess over advance stipulated to be precomputed interest. After the first scheduled payment, gross remaining payments are $266.20. Let lawful refund be R.","Conditional net payment: 266.20 - R. Cumulative net outflow: 399.30 - R. Retained interest: 68.30 - R. No numerical legal R selected.","Need applicable refund method, law, and contract. A three-month term does not satisfy §1615(b)’s term condition, but that does not authorize any particular method. Error: equating remaining gross installments with principal."],["W03 — Competing allocations","Same new $331 advance and three $133.10 payments. Compare descending weights 3,2,1 with a stipulated constant-rate allocation at 10% per model month. Complete calculations follow.","After installment1: sum-of-digits net payment $232.05; balance-method benchmark $231.00. Difference $1.05. After installment2, with stipulated cash rounding: $121.72 versus $121.00.","These are alternative mathematical allocations, not an authorized method switch or legal refund award. No APR is calculated or certified."],["W04 — Partial payment is not the full-payment trigger","Immediately after W03 installment1, an additional $50 is tendered. Branch A: assume lawful immediate principal application in a balance-accrual model: 231 - 50 = 181; next model-period interest 181 * .10 = 18.10. Branch B: assume only a $50 credit against the gross precomputed obligation: 266.20 - 50 = 216.20.","Branch A’s next-period modeled interest is $5 below $23.10. Branch B establishes only the gross credit; it does not establish a refund or changed interest allocation.","Need permission, allocation order, and partial-prepayment terms. §1615(a)’s full-prepayment condition is not demonstrated by this $50 alone. Error: importing Branch A’s interest saving into Branch B."],["W05 — Term/date/scope boundaries","Compare stipulated transaction terms of exactly61 versus62 months; consummation on September30 versusOctober1,1993; or unknown purpose, creditor status, term, and date.","Only the term > 61 and date after September30,1993 combination passes those two §1615(b) predicates. Other predicates still must be met. Unknown facts produce an applicability hold.","Need legally relevant term and consummation characterization, consumer purpose, creditor/assignee status, and precomputed structure. Error: treating a failed floor predicate as affirmative permission."],["W06 — Minimum-charge disclosure versus authority","Separate hypothetical simple-interest branch using W03’s first-period paid interest of $33.10 and remaining principal $231. Assume a proposed total minimum interest charge of $40, solely to test accounting.","Incremental amount would be 40 - 33.10 = 6.90; conditional payoff 231 + 6.90 = 237.90; cumulative cash $371, consisting of $331 principal plus $40 interest/charge. Commentary classifies a simple-interest minimum finance charge as a penalty example.","Lawfulness of the $40 term is unresolved. It is not a permitted amount or cap. Error: adding the full $40 again, or treating disclosure as authorization."],["W07 — Refinancing/acceleration versus settlement/write-off","Full prepayment is made through refinancing, consolidation, restructuring, or following acceleration; alternatively, only acceleration, a settlement label, or an accounting write-off occurs.","The first group is expressly addressed by §1615(a)(3) when the required prepayment occurs. The alternative facts do not, by label alone, establish that trigger or its consequences.","Need actual legal characterization, full-prepayment facts, and any separate applicable rule. Error: treating acceleration alone, settlement, write-off, and full payment as interchangeable events."],["W08 — Small refund and statement duties","Assume the otherwise-computed total refund is $0.99 or $1.00. Separately, assume a written request satisfying §1615(c), with no actual calendar.","$0.99 falls within §1615(a)(2); $1.00 does not. A qualifying written request requires a written statement; one annual statement is free under (c)(3).","No consumer deadline or request is generated. Error: calling the five-day statement period the refund deadline, splitting a total refund into sub-$1 components, or inventing a permissible statement fee."]]},{"headers":["Input","Stipulation"],"index":5,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[]],"rows":[["Input","Stipulation"],["Principal advanced at model time0","$331.00"],["Model amount financed","$331.00, because the illustration assumes no other charges or adjustments"],["Gross scheduled obligation","Three end-of-month payments of $133.10"],["Total precomputed interest","3 * 133.10 - 331.00 = 68.30"],["Time units","Three equal relative model months; no calendar dates, holidays, or receipt conventions"],["Balance-method periodic factor","r = 0.10 per model month"],["Allocation","Model interest first; remainder to principal; no unpaid-interest deficiency"],["Other items","No penalties, minimum charges, taxes, insurance, credits, or costs in W03"],["Rounding","Balance-method rows happen to be exact cents. Sum-of-digits calculations retain fractional cents until the specified payoff refund is rounded to the nearest cent; no half-cent tie occurs."]]},{"headers":["Period","Beginning model balance","Interest: beginning balance × .10","Payment","Principal component","Ending model balance"],"index":6,"links":[],"row_links":[[],[],[],[],[]],"rows":[["Period","Beginning model balance","Interest: beginning balance × .10","Payment","Principal component","Ending model balance"],["1","$331.00","$33.10","$133.10","$100.00","$231.00"],["2","$231.00","$23.10","$133.10","$110.00","$121.00"],["3","$121.00","$12.10","$133.10","$121.00","$0.00"],["Total","—","$68.30","$399.30","$331.00","$0.00"]]},{"headers":["Payoff point and allocation","Cumulative scheduled payments already made","Allocated earned interest, cash-rounded where necessary","Unearned amount/refund used","Remaining gross payments","Net prepayment","Total net cash outflow"],"index":7,"links":[],"row_links":[[],[],[],[],[]],"rows":[["Payoff point and allocation","Cumulative scheduled payments already made","Allocated earned interest, cash-rounded where necessary","Unearned amount/refund used","Remaining gross payments","Net prepayment","Total net cash outflow"],["After1: balance benchmark","$133.10","$33.10","$35.20","$266.20","$231.00","$364.10"],["After1: sum of digits","$133.10","$34.15","$34.15","$266.20","$232.05","$365.15"],["After2: balance benchmark","$266.20","$56.20","$12.10","$133.10","$121.00","$387.20"],["After2: sum of digits","$266.20","$56.92","$11.38","$133.10","$121.72","$387.92"]]},{"headers":["Check","Arithmetic actually checked","Result"],"index":8,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Check","Arithmetic actually checked","Result"],["K01","3 * 133.10","399.30"],["K02","399.30 - 331.00","68.30"],["K03","1 + 2 + 3","6"],["K04","331.00 * .10","33.10"],["K05","133.10 - 33.10","100.00"],["K06","331.00 - 100.00","231.00"],["K07","231.00 * .10","23.10"],["K08","133.10 - 23.10","110.00"],["K09","231.00 - 110.00","121.00"],["K10","121.00 * .10","12.10"],["K11","133.10 - 12.10","121.00"],["K12","121.00 - 121.00","0.00"],["K13","100.00 + 110.00 + 121.00","331.00"],["K14","33.10 + 23.10 + 12.10","68.30"],["K15","399.30 - 133.10","266.20"],["K16","68.30 * (2 + 1) / 6","34.15"],["K17","266.20 - 34.15","232.05"],["K18","266.20 - 231.00","35.20"],["K19","133.10 + 232.05","365.15"],["K20","133.10 + 231.00","364.10"],["K21","365.15 - 364.10","1.05"],["K22","68.30 / 6, rounded at cash-refund step","11.383333… → 11.38"],["K23","133.10 - 11.38","121.72"],["K24","121.72 - 121.00","0.72"],["K25","231.00 - 50.00","181.00"],["K26","181.00 * .10","18.10"],["K27","23.10 - 18.10","5.00"],["K28","266.20 - 50.00","216.20"],["K29","40.00 - 33.10","6.90"],["K30","231.00 + 6.90","237.90"],["K31","133.10 + 237.90","371.00"],["K32","Federal Reserve example’s printed operands: 18,800.00 - 318.61","18,481.39, not its printed 18,159.68"]]},{"headers":["Audit field","Blank entry","What must be established before application"],"index":9,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Audit field","Blank entry","What must be established before application"],["Governing jurisdiction and transaction category","______","Applicable federal/product/state/local rules; no inference from a generic educational source"],["Consumer-purpose status","______","Natural-person and primary-purpose predicates; C003"],["Creditor/assignee category","______","Relevant statutory definition, including assignment; C004–C005"],["Transaction structure","______","Accruing balance, precomputed/add-on, mixed charges, or other structure"],["Original and legally modified term","______","Term relevant to the transaction being prepaid; not merely payments remaining"],["Consummation/effective-law facts","______","Relevant date characterization and governing version; C009–C010"],["Event being analyzed","______","Full prepayment, partial payment, refinancing, acceleration-related payment, or another event"],["Original principal and proceeds","______","Separate gross note amount, amount financed, direct proceeds, and financed charges"],["Precomputed interest and other finance charges","______","Identify each component; §1615 interest duty does not automatically resolve all fees"],["Prior payments and allocation","______","Which payments reduced principal, paid interest/fees, or were held/credited elsewhere"],["Existing credits and adjustments","______","Amount, timing, legal basis, and whether already reflected in the balance"],["As-of point and accrual endpoint","______","Receipt/value date, endpoint inclusivity, day count, partial-period treatment"],["Prepayment permission and conditions","______","Applicable law and relevant contract/blank-form clause; no permission inferred from mathematics"],["Extra-payment allocation","______","Principal application, future-installment treatment, fee/interest priority, and any instructions"],["Refund method and rate inputs","______","Complete operative method, periodic rate, timing, rounding, and applicable state comparison"],["Penalty or waived-cost recapture","______","Classification separately from authority, trigger, amount, exceptions, and prior disclosure"],["Minimum-charge adjustment","______","Whether lawful; total minimum versus incremental amount remaining after earned charges"],["Other claimed costs","______","Separate legal/contract authority and prevention of double counting"],["Refund delivery/deduction","______","Whether a cash refund or credit is due; whether already netted; applicable timing"],["Statement-duty facts, if relevant","______","Qualifying request, receipt facts, written/oral form, annual free statement, and fee conditions—no request made here"],["Consequences for schedule/security","______","Recast, maturity, due dates, satisfaction, and release rules require separate support"],["Final accounting check","______","Reconcile principal, retained interest, authorized costs, credits, total cash, and ending balance"]]},{"headers":["Claim ID","Exact assertion","Source and pinpoint","Conditions, units, status, and limits"],"index":10,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Claim ID","Exact assertion","Source and pinpoint","Conditions, units, status, and limits"],["R004-P3-C039","The stated sum-of-digits model allocates F using descending weights; its unearned fraction after k complete model periods is S(n-k)/S(n).","S010 explanation/table; derivation in §4 above.","Derived mathematics. Equal stipulated installments/periods; denominator78 only for12 periods. No legal permission inferred."],["R004-P3-C040","The balance benchmark uses I=r*B, payment first to modeled interest, and remainder to principal.","S001 §1615(d)(1); S009 early_info5.htm; stated W03 assumptions.","Conditional model. No actual refund-rate selection, day-count rule, capitalization permission, or legal APR."],["R004-P3-C041","W03’s three payments total $399.30, comprising $331 principal and $68.30 modeled interest, with ending balance zero under its balance recurrence.","W03; K01–K14.","New derived arithmetic, dollars and model months. No actual charge authorized."],["R004-P3-C042","After W03 installment1, the two modeled refunds are $34.15 and $35.20; corresponding net payments differ by $1.05.","W03; K15–K21; method bases S009/S010.","New derived comparison, same original cash flows; alternative earning allocations."],["R004-P3-C043","After installment2, rounding the sum-of-digits refund at the specified cash step produces $11.38 and a $121.72 net payment, $0.72 above the balance benchmark.","W03; K22–K24.","New derived arithmetic. Rounding convention is stipulated, not attributed to law."],["R004-P3-C044","W04’s immediate-principal branch produces B=$181 and next-period interest=$18.10; its gross-credit branch only establishes G=$216.20.","W04; K25–K28; S001 full-prepayment trigger; S007 contract control.","Alternative conditional models. No automatic partial-payment refund or allocation right."],["R004-P3-C045","W06’s assumed $40 total minimum requires only a $6.90 incremental addition after $33.10 paid interest, producing conditional cash totals shown.","W06; K29–K31; S006 comment18(k)(1)-1.iii.","Arithmetic/classification separated from authority. $40 is invented solely as a hypothetical input, not a lawful minimum or cap."],["R004-P3-C046","Gross-payment-plus-refund and net-deduction accounting must recognize the refund once; prior credited payments must also be recognized once.","S009 early_exp5.htm, refund/deduction explanation; W02/W03 and §6 identities.","Derived reconciliation. Nominal cash equality is not timing/PV equivalence or permission for either delivery mechanism."],["R004-P3-C047","The $170.57 P01 saving remains model-only and cannot be transferred mechanically to a precomputed charge or an unknown allocation contract.","S013 reviewed premise; S001/S006 structure distinctions; W01/W04.","Reviewed reuse plus bounded inference. No fresh P01 schedule calculation."],["R004-P3-C048","One Federal Reserve Rule-of-78 example balance line is inconsistent with its printed operands.","S009 early_exp4.htm, first-payment principal and month1 balance lines; K32.","New arithmetic observation. No diagnosis of the publishing cause; no silent correction or adoption of the whole source schedule."],["R004-P3-C049","Source currency is bounded by the displayed compilation dates and actual read extent; historical editions, generic education, failed access, and current renderings are distinct evidence categories.","S001–S012/S014; read log.","Evidence-status finding. No comprehensive post-cutoff amendment or litigation-status certificate."],["R004-P3-C050","Actual lawful refund, charging permission, legal APR, and A004/component/parent/calculator/operations/publication acceptance remain unresolved or expressly ungranted.","S013 preserved limits; C010, C016–C018, C033, C038 and model conditions.","Scope conclusion. Correct arithmetic does not close the missing legal and contractual predicates."]]},{"headers":["Assigned question/branch","Status and reason","Claim/example links","Exact missing authority/input and next bounded action"],"index":11,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Assigned question/branch","Status and reason","Claim/example links","Exact missing authority/input and next bounded action"],["Q1: complete §1615 body","Answered. All subsections and displayed section notes read.","C002–C017; S001/S002","None for the read body. Retain compilation cutoff."],["Q1: mandatory refund trigger","Answered conditionally. Full prepayment and unearned interest are required predicates.","C006; W02","Actual qualifying event and unearned amount absent; actual application remains held."],["Q1: de minimis exception","Answered. Total refund less than $1.","C007; W08","Other applicable law/contract may provide more; examine only in a future generic jurisdiction packet."],["Q1: refinancing/consolidation/restructuring","Answered at statutory trigger level. Expressly included when required prepayment occurs.","C008; W07","Legal characterization and payment facts not supplied or investigated."],["Q1: acceleration","Answered/partial. Express inclusion of prepayment resulting from acceleration; acceleration alone not equated with full prepayment.","C008; W07","Separate acceleration/accounting/product law remains held."],["Q1: term threshold","Answered. “Exceeding61 months,” not “61 or more.”","C009–C010; W05","Legally applicable transaction term unknown. Future generic analysis should distinguish original and modified obligations."],["Q1: transaction-date trigger","Answered. After September30,1993 for subsection(b).","C009–C010; W05","Historical consummation and governing law facts absent. No individual calendar calculation."],["Q1: earlier transactions","Partial. No automatic extension of subsection(b)’s date to(a)/(c).","C002, C010","Cross-enactment/retroactivity authority and original surrounding enactment provisions not fully established; obtain readable official §933 context in a later bounded packet if needed."],["Q1: consumer/creditor definitions","Answered generically. Incorporated definitions read.","C003–C004","Actual actor/purpose status absent; no entity or borrower lookup permitted."],["Q1: assignees","Answered. Express statutory inclusion.","C005","No actual assignment or responsible-party determination."],["Q1: statement contents and five-day period","Answered conditionally. Exact type of statement and triggering request identified.","C011; W08","No request/receipt facts; day-count/holiday computation held."],["Q1: written response","Answered. Written request requires writing.","C012","No actual request made."],["Q1: one free statement/additional fees","Answered conditionally. Annual free entitlement and additional-fee conditions read.","C013–C014; W08","Reasonableness, actual cost, and other fee restrictions unresolved; no fee amount proposed."],["Q1: statutory actuarial definition","Answered. Complete operative definition read.","C015–C016","Definition does not supply every computational input; actual refund calculation held."],["Q1: implementing authority","Partial. No separate general formula established; relevant RegZ incorporation identified.","C017","A further generic authority packet could examine an identified implementing rule if discovered; absence of a search hit is not “no rule.”"],["Q1: currentness and amendment notes","Partial with explicit bounds. Current OLRC body and historical official edition compared.","C002, C049","Comprehensive session-law audit after October15,2026 not performed."],["Q2: complete §18(k) and relevant commentary","Answered at read level. Both paragraphs and all targeted comments read.","C021–C032","Current eCFR Supplement I full-page retrieval failed; CFPB current commentary remained readable."],["Q2: periodically computed charge branch","Answered. Penalty statement for all/part early principal payment.","C021","Actual charge authority and amount remain held."],["Q2: precomputed/other charge branch","Answered. Rebate statement; includes incomplete recognition of principal reductions.","C022","Applicable refund method remains separate."],["Q2: definitive/positive/involuntary disclosure","Answered. All relevant distinctions read.","C023–C024","No actual disclosure evaluated."],["Q2: mixed structures","Answered. Both disclosure types can be necessary.","C025","Each actual component would need classification; none investigated."],["Q2: prepaid finance charge","Answered within §18(k). No automatic penalty/rebate-disclosure consequence from existence alone.","C026","Substantive refundability of a particular fee remains held."],["Q2: post-payoff interest/minimum charge","Answered as classification. Penalty examples identified.","C027–C028; W06","Applicable permission/prohibition and amount require separate law/terms."],["Q2: waived and third-party costs","Answered conditionally. Specific exception and excess-recapture boundary retained.","C029","Full covered-transaction and product-law application not established; no universal third-party exception."],["Q2: fees not labeled penalties","Answered as classification. Identified examples kept separate from legality.","C030","Actual authority, reasonableness, and other statutory restrictions unresolved."],["Q2: more favorable state actuarial definition","Answered as federal commentary instruction.","C031","Exact applicable state definition is missing; future published-law packet needed."],["Q2: disclosure of computation method","Answered. Segregated-disclosure placement restriction identified.","C032","Contract and separately supplied method information remain distinct."],["Q2: mortgage disclosure routing","Answered at necessary gateway level. §18/§19 distinction and narrow §3(h) alternative read.","C020, C035","Full mortgage prepayment, payoff, and substantive penalty rules excluded."],["Q2: consumer/business, threshold, student gateways","Answered/partial. Necessary screens identified without universalization.","C018, C034, C036","Actual applicability and full product rules remain held."],["Q3: Rule-of-78 meaning and formula","Answered mathematically. Official generic explanation read.","C039; W03","Off-cycle, unequal-payment, extension, and jurisdiction-specific formulas not established."],["Q3: actuarial comparison method","Answered as a conditional model. Complete relied-on generic explanation and statutory allocation definition read.","C015–C016, C040","Actual rate, timing, rounding, and governing refund definition absent."],["Q3: legal refund amount","Unresolved by design. No legally applicable numerical refund selected.","C050; W02–W03","All transaction/law/contract predicates would be required; current owner limits do not establish an actual agreement."],["Q3: use of P02 APR method","Excluded. No substitution of legacy APR equations.","C001, C050","P02 current-equation/edition hold preserved."],["Q4: principal/earned/unearned/gross/credits reconciliation","Answered as accounting framework. Both starting-balance routes shown.","C037, C046; §6","Actual ledger content and legally authorized components absent."],["Q4: minimum charge/penalty/other costs","Answered conditionally. Incremental versus total minimum distinguished.","C028–C030, C045; W06","No actual charge authorized."],["Q4: receipt/as-of/allocation facts","Partial. Required facts identified, not assumed.","C016, C033; worksheet","Complete applicable receipt, day-count, allocation, and accrual authority remains a separate packet."],["Q4: extra payment/principal application","Unresolved legally; modeled conditionally.","C033, C044, C047; W01/W04","Applicable prepayment permission and allocation clauses missing; future generic blank-form/law analysis only."],["Q4: recast/due date/maturity","Answered as a limit on inference. No automatic change established.","C033, C038","Legally effective modification rules and clauses missing."],["Q4: lien release/discharge","Unresolved. Mathematical balance is insufficient proof.","C038","Product/security/release law and legal satisfaction conditions excluded from actual application."],["Q4: settlement/write-off distinctions","Answered only as a trigger boundary. Labels do not establish full prepayment.","C008, C038; W07","Settlement, discharge, accounting, tax, and credit consequences remain outside this pass."],["Q5: six-plus worked branches","Answered. Eight supplied with assumptions and adverse-error branches.","W01–W08","Four new arithmetic branches, one reviewed reuse, three qualitative branches; no compliance count substituted."],["Q5: precision and conservation","Answered for the model. Ending balance, totals, fractions, cash rounding, and cash conservation visible.","C041–C046; K01–K31","Production-tool validation and real ledger precision remain held."],["Evidence: failures and source anomaly","Answered. Access failures and inconsistent printed arithmetic logged.","C048–C049; log below","No failure treated as proof of no law; no silent source repair."],["Evidence: guidance status","Answered within reliance scope. Register freshly checked; no substantive circular/bulletin/advisory used.","S012; C049","No need to treat withdrawn guidance as controlling law."],["Parent/acceptance boundaries","Excluded/held as assigned.","C050; §11 below","Separate research packets required; no acceptance granted."]]},{"headers":["Assigned question","Principal sources","Principal claims","Worked/reconciliation location"],"index":12,"links":[],"row_links":[[],[],[],[],[],[]],"rows":[["Assigned question","Principal sources","Principal claims","Worked/reconciliation location"],["1. Federal statute, triggers, definitions, authority","S001–S003, S014","C002–C018","W05, W07, W08"],["2. Prepayment disclosures and classifications","S004–S008, S011","C019–C038","W06; product boundary; worksheet"],["3. Sum-of-digits/actuarial comparison","S001, S009–S010","C015–C016, C039–C043","W02–W03; complete equations and tables"],["4. Reconciliation, permission, timing, consequences","S001, S005–S009, S013","C033, C037–C038, C044–C047","W01, W04, W07; §6 worksheet"],["5. Worked/failure branches and verification","Sources above plus expressly stipulated model inputs","C041–C050","W01–W08; K01–K32; read/failure log"]]},{"headers":["Action/route","Actual result and content extent","Consequence and precise remaining gap"],"index":13,"links":[{"href":"https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section1615&num=0&edition=prelim","text":"https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section1615&num=0&edition=prelim"},{"href":"https://uscode.house.gov/us/usc/119-124/t15/s1615/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-124/t15/s1615/"},{"href":"https://uscode.house.gov/view.xhtml?req=title:15%20section:1615%20edition:prelim","text":"https://uscode.house.gov/view.xhtml?req=title:15%20section:1615%20edition:prelim"},{"href":"https://uscode.house.gov/view.xhtml?edition=2023&num=0&req=granuleid:USC-2023-title15-section1615&utm_source=chatgpt.com","text":"https://uscode.house.gov/view.xhtml?edition=2023&num=0&req=granuleid%3AUSC-2023-title15-section1615"},{"href":"https://www.govinfo.gov/content/pkg/USCODE-2025-title15/html/USCODE-2025-title15-chap41-subchapI-partA-sec1615.htm","text":"https://www.govinfo.gov/content/pkg/USCODE-2025-title15/html/USCODE-2025-title15-chap41-subchapI-partA-sec1615.htm"},{"href":"https://uscode.house.gov/statviewer.html?page=3891&volume=106&utm_source=chatgpt.com","text":"https://uscode.house.gov/statviewer.html?page=3891&volume=106"},{"href":"https://www.govinfo.gov/content/pkg/STATUTE-106/pdf/STATUTE-106-Pg3672.pdf","text":"https://www.govinfo.gov/content/pkg/STATUTE-106/pdf/STATUTE-106-Pg3672.pdf"},{"href":"https://www.ecfr.gov/current/title-12/chapter-X/part-1026/appendix-Supplement%20I%20to%20Part%201026","text":"https://www.ecfr.gov/current/title-12/chapter-X/part-1026/appendix-Supplement%20I%20to%20Part%201026"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/Interp-18/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1026/Interp-18/"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/interp-18/","text":"https://www.consumerfinance.gov/rules-policy/regulations/1026/interp-18/"},{"href":"https://www.federalreserve.gov/pubs/leasing/resource/different/early_exp4.htm?utm_source=chatgpt.com","text":"https://www.federalreserve.gov/pubs/leasing/resource/different/early_exp4.htm"}],"row_links":[[],[{"href":"https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section1615&num=0&edition=prelim","text":"https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section1615&num=0&edition=prelim"}],[{"href":"https://uscode.house.gov/us/usc/119-124/t15/s1615/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-124/t15/s1615/"}],[{"href":"https://uscode.house.gov/view.xhtml?req=title:15%20section:1615%20edition:prelim","text":"https://uscode.house.gov/view.xhtml?req=title:15%20section:1615%20edition:prelim"}],[{"href":"https://uscode.house.gov/view.xhtml?edition=2023&num=0&req=granuleid:USC-2023-title15-section1615&utm_source=chatgpt.com","text":"https://uscode.house.gov/view.xhtml?edition=2023&num=0&req=granuleid%3AUSC-2023-title15-section1615"}],[{"href":"https://www.govinfo.gov/content/pkg/USCODE-2025-title15/html/USCODE-2025-title15-chap41-subchapI-partA-sec1615.htm","text":"https://www.govinfo.gov/content/pkg/USCODE-2025-title15/html/USCODE-2025-title15-chap41-subchapI-partA-sec1615.htm"}],[],[{"href":"https://uscode.house.gov/statviewer.html?page=3891&volume=106&utm_source=chatgpt.com","text":"https://uscode.house.gov/statviewer.html?page=3891&volume=106"}],[{"href":"https://www.govinfo.gov/content/pkg/STATUTE-106/pdf/STATUTE-106-Pg3672.pdf","text":"https://www.govinfo.gov/content/pkg/STATUTE-106/pdf/STATUTE-106-Pg3672.pdf"}],[],[{"href":"https://www.ecfr.gov/current/title-12/chapter-X/part-1026/appendix-Supplement%20I%20to%20Part%201026","text":"https://www.ecfr.gov/current/title-12/chapter-X/part-1026/appendix-Supplement%20I%20to%20Part%201026"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/Interp-18/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1026/Interp-18/"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/interp-18/","text":"https://www.consumerfinance.gov/rules-policy/regulations/1026/interp-18/"}],[{"href":"https://www.federalreserve.gov/pubs/leasing/resource/different/early_exp4.htm?utm_source=chatgpt.com","text":"https://www.federalreserve.gov/pubs/leasing/resource/different/early_exp4.htm"}],[],[]],"rows":[["Action/route","Actual result and content extent","Consequence and precise remaining gap"],["OLRC preliminary route: https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section1615&num=0&edition=prelim","404. No body obtained through this route.","Recovered through the discovered current section URL in S001."],["OLRC current route: https://uscode.house.gov/us/usc/119-124/t15/s1615/","Initial direct open reported inaccessible; later opening the discovered result returned complete90-line rendering, including full section and notes.","Access failure resolved for this body. Currency taken from the body, not inferred from URL."],["Alternative OLRC query: https://uscode.house.gov/view.xhtml?req=title:15%20section:1615%20edition:prelim","Inaccessible through the tool.","No substantive reliance; S001 supplied the text."],["Discovered historical OLRC route: https://uscode.house.gov/view.xhtml?edition=2023&num=0&req=granuleid%3AUSC-2023-title15-section1615","404 on open; search snippet only.","Not counted as a historical body read. S002 supplied a readable2024 edition."],["Candidate2025 GovInfo HTML: https://www.govinfo.gov/content/pkg/USCODE-2025-title15/html/USCODE-2025-title15-chap41-subchapI-partA-sec1615.htm","Inaccessible.","No claim that this candidate document was read or established to exist."],["GovInfo2024 HTML/PDF in S002","Complete §1615 text obtained; PDF’s printed page/index identified from extraction.","Historical official comparison available. No pixel inspection or2026 currentness claim."],["OLRC raw-law viewer: https://uscode.house.gov/statviewer.html?page=3891&volume=106","Navigation and notice returned; no readable statutory image content.","Original-law pixels not inspected."],["Raw-law PDF: https://www.govinfo.gov/content/pkg/STATUTE-106/pdf/STATUTE-106-Pg3672.pdf","400; content too large:70,080,456 bytes.","Complete surrounding1992 enactment not read. Next bounded route, if needed, is a smaller official public §933 extract or accessible official enactment text—not repeated oversized fetches."],["Current eCFR §18, CFPB §18, annual2025 §18 PDF","Relevant operative body read successfully; annual pinpoint p.57/index2 for(k)/(p).","Supports the disclosure text, with respective currentness limits."],["Current eCFR Supplement I: https://www.ecfr.gov/current/title-12/chapter-X/part-1026/appendix-Supplement%20I%20to%20Part%201026","400; content too large:4,194,305+ bytes.","No full current eCFR commentary read claimed. Complete targeted commentary was available on CFPB’s current integrated and standalone pages. A smaller official commentary extract would close this access-format gap."],["CFPB standalone commentary: https://www.consumerfinance.gov/rules-policy/regulations/1026/Interp-18/","Redirected to https://www.consumerfinance.gov/rules-policy/regulations/1026/interp-18/; targeted18(k) commentary read completely.","Same interpretation as integrated page; not independent corroboration."],["Federal Reserve Rule-of-78 example: https://www.federalreserve.gov/pubs/leasing/resource/different/early_exp4.htm","Complete short body read. First-month balance line inconsistent with its own printed subtraction; K32 documents it.","No silent correction and no adoption of that example as a validated schedule, legal refund, or legal APR."],["Bounded implementing-authority searches","Official-domain searches surfaced disclosure references, product-specific mortgage materials, historical proposals/final rules, and unrelated results. Search-only items were not adopted. A Congress-domain search reported a non-retryable robots restriction; no bypass attempted.","No exhaustive “no implementing rule exists” conclusion. Product-specific authority remains a future packet."],["P01/P02 materials","Reviewed premises reused from the supplied chat instruction; no model regeneration or Appendix J placeholder retries.","Old provenance and holds preserved."]]},{"headers":["Check","Result"],"index":14,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Check","Result"],["Complete §1615 read","Complete(a)–(d), exceptions, source credit, and codification note read from current OLRC body; historical official edition also read."],["Distinct triggers maintained","Full-prepayment refund, method floor, statement duty, and disclosure duties kept separate."],["No false universal threshold","“Exceeding61 months” and September1993 condition confined to the identified subsection; no shorter-term permission inferred."],["No disclosure-as-permission inference","Penalty/rebate labels do not approve charging, establish refund amount, or prove a prepayment right."],["No APR substitution","P02 equations/roots not rerun or repurposed as a refund rule; current legal APR remains held."],["Mathematical checks","32 explicit arithmetic checks shown; new three-period balance reaches zero and reconciles total principal/interest/cash."],["Rounding","Fractional-cent sum-of-digits amount and cash-rounded refund distinguished."],["Reviewed work preserved","W01 is reviewed reuse; no new P01 schedule claim."],["Source quality","Current bodies, historical editions, generic education, metadata, failures, and source inconsistency separately labeled."],["Guidance","Withdrawn Guidance register checked; no substantive CFPB circular/bulletin/advisory relied on."],["Owner limits","No actual or hypothetical identifier lookup, borrower/provider/entity/account/property/case search, contact, filing, records request, account change, subagent, browser control, API workaround, or file write performed."],["Acceptance","No A004/component/parent/calculator/operations/publication acceptance asserted."]]},{"headers":["Remaining area","What remains held"],"index":15,"links":[],"row_links":[[],[],[],[],[],[],[]],"rows":[["Remaining area","What remains held"],["Current legal APR / Appendix J","Current equation identity, adequate official-edition/amendment comparison, and legal APR application remain exactly as held after P02."],["Actual prepayment/refund application","Applicable jurisdiction and product rules; actual agreement; lawful permission and allocation; refund rate/timing/rounding; penalties, minimum charges, credits, payoff, and release consequences. Generic research cannot establish an actual agreement within these owner limits."],["Broader prepayment law","Complete state/local/tribal/country rules; product-specific mortgage, auto, student, payday, BNPL, business/commercial rules; irregular or modified precomputed obligations; additional rebate/penalty restrictions and their effective-date histories."],["Interest and payment mechanics","Complete compound interest/capitalization; open-end/cards/grace; minimum-payment and negative-amortization law; variable/penalty/deferred interest; receipt, day-count, allocation, accrual, and late/collection-cost rules."],["Historical/currentness completion","Comprehensive post-October15,2026 session-law audit; original1992 surrounding enactment/effective-context inspection where historical application matters; smaller official current commentary rendering if required for an edition comparison."],["Tools and intersections","Production-tool validation/error handling; bankruptcy, tax, settlement, credit, eligibility, operating permission, publication, and all other unaddressed A004 dimensions."]]}],"claims":[{"claim_id":"R004-P3-C001","area_numbers":[4],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R004-P3-C001","Exact assertion":"P01’s reviewed models and P02’s legal-APR hold remain unchanged.","Source and pinpoint":"S013; current user-supplied foundation.","Conditions, status, jurisdiction, and limits":"Reviewed reuse. No new acceptance or rerun."},"coordinator_verification_status":"conditional_framework_or_stipulated_math_reviewed_currentness_legalAPR_actualfact_limits_retained","coordinator_review":"[internal evidence reference]"},{"claim_id":"R004-P3-C002","area_numbers":[4],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R004-P3-C002","Exact assertion":"§1615 was enacted through §933 of the 1992 Housing and Community Development Act, not as part of the Consumer Credit Protection Act itself.","Source and pinpoint":"S001/S002, source credit and codification note.","Conditions, status, jurisdiction, and limits":"Established federal source fact. Enactment date is October28,1992; historical applicability is not inferred solely from that date."},"coordinator_verification_status":"conditional_framework_or_stipulated_math_reviewed_currentness_legalAPR_actualfact_limits_retained","coordinator_review":"[internal evidence reference]"},{"claim_id":"R004-P3-C003","area_numbers":[4],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R004-P3-C003","Exact assertion":"The incorporated consumer concept concerns a natural person and primarily personal, family, or household purposes.","Source and pinpoint":"S001 §1615(d)(2); S003 §1602(i).","Conditions, status, jurisdiction, and limits":"Established definition. Not every debt or business-purpose transaction qualifies."},"coordinator_verification_status":"conditional_framework_or_stipulated_math_reviewed_currentness_legalAPR_actualfact_limits_retained","coordinator_review":"[internal evidence reference]"},{"claim_id":"R004-P3-C004","area_numbers":[4],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R004-P3-C004","Exact assertion":"The ordinary statutory creditor definition requires regular extension of qualifying consumer credit and initial-payee status, with statutory special cases.","Source and pinpoint":"S003 §1602(g), complete paragraph.","Conditions, status, jurisdiction, and limits":"Established definition. Finance charge or agreement for more than four installments is relevant. No actual actor classification made."},"coordinator_verification_status":"conditional_framework_or_stipulated_math_reviewed_currentness_legalAPR_actualfact_limits_retained","coordinator_review":"[internal evidence reference]"},{"claim_id":"R004-P3-C005","area_numbers":[4],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R004-P3-C005","Exact assertion":"For §1615, creditor also includes an assignee and subsequent assignee of the described consumer credit.","Source and pinpoint":"S001 §1615(d)(3)(A)–(B).","Conditions, status, jurisdiction, and limits":"Established federal inclusion. Do not stop at §1602’s original-payee wording."},"coordinator_verification_status":"conditional_framework_or_stipulated_math_reviewed_currentness_legalAPR_actualfact_limits_retained","coordinator_review":"[internal evidence reference]"},{"claim_id":"R004-P3-C006","area_numbers":[4],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R004-P3-C006","Exact assertion":"When a consumer prepays in full the financed amount under the covered consumer credit transaction, §1615(a)(1) requires the creditor promptly to refund unearned interest.","Source and pinpoint":"S001 §1615(a)(1); S002 same provision.","Conditions, status, jurisdiction, and limits":"Established conditional duty. It concerns unearned interest, not an automatic refund of every finance-charge component. “Promptly” is not converted here into a numerical refund deadline."},"coordinator_verification_status":"conditional_framework_or_stipulated_math_reviewed_currentness_legalAPR_actualfact_limits_retained","coordinator_review":"[internal evidence reference]"},{"claim_id":"R004-P3-C007","area_numbers":[4],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R004-P3-C007","Exact assertion":"The subsection (a)(1) refund is not required by that provision when the total refund would be less than $1.","Source and pinpoint":"S001 §1615(a)(2).","Conditions, status, jurisdiction, and limits":"Established exception. Exactly $1 is not “less than $1.” Other law or contract may provide more."},"coordinator_verification_status":"conditional_framework_or_stipulated_math_reviewed_currentness_legalAPR_actualfact_limits_retained","coordinator_review":"[internal evidence reference]"},{"claim_id":"R004-P3-C008","area_numbers":[4],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R004-P3-C008","Exact assertion":"Subsection (a) applies to the described full prepayment regardless of manner or reason, expressly including refinancing, consolidation, restructuring, and prepayment resulting from acceleration.","Source and pinpoint":"S001 §1615(a)(3)(A)–(B).","Conditions, status, jurisdiction, and limits":"Established conditional scope. Acceleration or restructuring without the required prepayment is a different factual branch."},"coordinator_verification_status":"conditional_framework_or_stipulated_math_reviewed_currentness_legalAPR_actualfact_limits_retained","coordinator_review":"[internal evidence reference]"},{"claim_id":"R004-P3-C009","area_numbers":[4],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R004-P3-C009","Exact assertion":"For the required refund on a precomputed consumer credit transaction with a term exceeding 61 months, consummated after September30,1993, the method must be at least as favorable to the consumer as the actuarial method.","Source and pinpoint":"S001 §1615(b).","Conditions, status, jurisdiction, and limits":"Established conjunctive test. The transaction term, date, structure, and refund trigger all matter."},"coordinator_verification_status":"conditional_framework_or_stipulated_math_reviewed_currentness_legalAPR_actualfact_limits_retained","coordinator_review":"[internal evidence reference]"},{"claim_id":"R004-P3-C010","area_numbers":[4],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R004-P3-C010","Exact assertion":"The express 61-month/date restrictions occur in subsection (b), not in the wording of (a) or (c); their failure does not establish permission to use Rule of 78s or a universal prepayment right.","Source and pinpoint":"S001 §1615(a)–(c), read together.","Conditions, status, jurisdiction, and limits":"Textual inference. Earlier-transaction retroactivity and other applicable restrictions remain unresolved."},"coordinator_verification_status":"conditional_framework_or_stipulated_math_reviewed_currentness_legalAPR_actualfact_limits_retained","coordinator_review":"[internal evidence reference]"},{"claim_id":"R004-P3-C011","area_numbers":[4],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R004-P3-C011","Exact assertion":"For the specified request concerning a precomputed consumer credit account, the creditor or assignee must provide the full-prepayment amount and identify a required refund included in that amount before the end of the statutory five-day period beginning with receipt.","Source and pinpoint":"S001 §1615(c)(1)(A)–(B).","Conditions, status, jurisdiction, and limits":"Established conditional statement duty. Oral or written request; no actual request or deadline calculated. This is not the refund deadline in (a)."},"coordinator_verification_status":"conditional_framework_or_stipulated_math_reviewed_currentness_legalAPR_actualfact_limits_retained","coordinator_review":"[internal evidence reference]"},{"claim_id":"R004-P3-C012","area_numbers":[4],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R004-P3-C012","Exact assertion":"A written request under subsection (c) requires a written statement.","Source and pinpoint":"S001 §1615(c)(2).","Conditions, status, jurisdiction, and limits":"Established. No assertion that every oral request requires a written response under this clause."},"coordinator_verification_status":"conditional_framework_or_stipulated_math_reviewed_currentness_legalAPR_actualfact_limits_retained","coordinator_review":"[internal evidence reference]"},{"claim_id":"R004-P3-C013","area_numbers":[4],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R004-P3-C013","Exact assertion":"The consumer is entitled to one subsection (c)(1) statement each year without charge.","Source and pinpoint":"S001 §1615(c)(3).","Conditions, status, jurisdiction, and limits":"Established. No invented calendar-year interpretation or actual entitlement determination."},"coordinator_verification_status":"conditional_framework_or_stipulated_math_reviewed_currentness_legalAPR_actualfact_limits_retained","coordinator_review":"[internal evidence reference]"},{"claim_id":"R004-P3-C014","area_numbers":[4],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R004-P3-C014","Exact assertion":"Additional statements may carry a reasonable cost-covering fee if its amount is disclosed before furnishing the statement.","Source and pinpoint":"S001 §1615(c)(4).","Conditions, status, jurisdiction, and limits":"Established statutory conditions. No dollar cap or actual fee approval inferred; other applicable restrictions remain relevant."},"coordinator_verification_status":"conditional_framework_or_stipulated_math_reviewed_currentness_legalAPR_actualfact_limits_retained","coordinator_review":"[internal evidence reference]"},{"claim_id":"R004-P3-C015","area_numbers":[4],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R004-P3-C015","Exact assertion":"The statutory actuarial definition applies a payment first to accumulated finance charge, subtracts a remainder from unpaid amount financed, and adds a deficiency to that unpaid balance.","Source and pinpoint":"S001 §1615(d)(1), complete definition.","Conditions, status, jurisdiction, and limits":"Established definition. Allocation description only; not a freestanding authorization for servicing capitalization."},"coordinator_verification_status":"conditional_framework_or_stipulated_math_reviewed_currentness_legalAPR_actualfact_limits_retained","coordinator_review":"[internal evidence reference]"},{"claim_id":"R004-P3-C016","area_numbers":[4],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R004-P3-C016","Exact assertion":"That definition does not itself specify the complete rate-selection, day-count, off-cycle timing, or rounding rules needed to calculate an actual refund.","Source and pinpoint":"S001 §1615(d)(1); S009’s expressly conditional generic examples.","Conditions, status, jurisdiction, and limits":"Read-boundary finding. No Appendix J formula is substituted for those missing inputs."},"coordinator_verification_status":"conditional_framework_or_stipulated_math_reviewed_currentness_legalAPR_actualfact_limits_retained","coordinator_review":"[internal evidence reference]"},{"claim_id":"R004-P3-C017","area_numbers":[4],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R004-P3-C017","Exact assertion":"No separate generally applicable implementing refund formula was established in the bounded official-source investigation. §1026.18 commentary references §1615(d) for disclosure/classification purposes.","Source and pinpoint":"S001 complete section; S006 comment18(k)(2)-1.i.A; discovery/read log below.","Conditions, status, jurisdiction, and limits":"Partial research result, not proof that no other implementing or product-specific authority exists."},"coordinator_verification_status":"conditional_framework_or_stipulated_math_reviewed_currentness_legalAPR_actualfact_limits_retained","coordinator_review":"[internal evidence reference]"},{"claim_id":"R004-P3-C018","area_numbers":[4],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R004-P3-C018","Exact assertion":"TILA/Regulation Z exemption screens and §1615’s own predicates must be kept distinct; the complete effect of every TILA exemption on separately enacted §1615 is not resolved here.","Source and pinpoint":"S001 codification note and (d); S003 §1603; S008 §1026.3.","Conditions, status, jurisdiction, and limits":"Applicability hold. No automatic importation of a dollar, product, or actor exemption into §1615."},"coordinator_verification_status":"conditional_framework_or_stipulated_math_reviewed_currentness_legalAPR_actualfact_limits_retained","coordinator_review":"[internal evidence reference]"},{"claim_id":"R004-P3-C019","area_numbers":[4],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R004-P3-C019","Exact assertion":"§1638(a)(11) distinguishes the rebate statement for precomputed finance charges from the penalty statement for charges computed periodically on unpaid principal; (a)(12) calls for a contract reference.","Source and pinpoint":"S004 §1638(a)(11)–(12).","Conditions, status, jurisdiction, and limits":"Established federal disclosure framework. Not substantive permission to impose a penalty."},"coordinator_verification_status":"conditional_framework_or_stipulated_math_reviewed_currentness_legalAPR_actualfact_limits_retained","coordinator_review":"[internal evidence reference]"},{"claim_id":"R004-P3-C020","area_numbers":[4],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R004-P3-C020","Exact assertion":"§1026.18 excludes mortgage transactions subject to §1026.19(e) and (f); its scope commentary identifies unsecured credit, specified personal-property secured credit, and reverse-mortgage branches.","Source and pinpoint":"S005 chapeau; S006 comment18-3.i–iii.","Conditions, status, jurisdiction, and limits":"Established general disclosure routing. Special exceptions such as §3(h) must also be considered; no full mortgage survey."},"coordinator_verification_status":"conditional_framework_or_stipulated_math_reviewed_currentness_legalAPR_actualfact_limits_retained","coordinator_review":"[internal evidence reference]"},{"claim_id":"R004-P3-C021","area_numbers":[4],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R004-P3-C021","Exact assertion":"When the finance charge is computed from time to time by applying a rate to unpaid principal, §18(k)(1) requires a statement whether a charge may be imposed for early payment of all or part of principal.","Source and pinpoint":"S005 §1026.18(k)(1).","Conditions, status, jurisdiction, and limits":"Established conditional disclosure duty. It does not establish the lawful amount or authority for the charge."},"coordinator_verification_status":"conditional_framework_or_stipulated_math_reviewed_currentness_legalAPR_actualfact_limits_retained","coordinator_review":"[internal evidence reference]"},{"claim_id":"R004-P3-C022","area_numbers":[4],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R004-P3-C022","Exact assertion":"For other finance-charge structures, §18(k)(2) requires a statement whether a rebate is available upon full or partial prepayment.","Source and pinpoint":"S005 §1026.18(k)(2); S006 comment18(k)(2)-1.i.","Conditions, status, jurisdiction, and limits":"Established conditional duty. Includes charges not reflecting every principal reduction, such as precomputed/add-on charges."},"coordinator_verification_status":"conditional_framework_or_stipulated_math_reviewed_currentness_legalAPR_actualfact_limits_retained","coordinator_review":"[internal evidence reference]"},{"claim_id":"R004-P3-C023","area_numbers":[4],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R004-P3-C023","Exact assertion":"The disclosure must be definitive; absence of a penalty disclosure cannot be used to imply that no penalty applies.","Source and pinpoint":"S006 comment18(k)-1 and -1.i.","Conditions, status, jurisdiction, and limits":"Established disclosure rule. A representation still is not a complete payoff calculation."},"coordinator_verification_status":"conditional_framework_or_stipulated_math_reviewed_currentness_legalAPR_actualfact_limits_retained","coordinator_review":"[internal evidence reference]"},{"claim_id":"R004-P3-C024","area_numbers":[4],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R004-P3-C024","Exact assertion":"If a penalty or rebate is possible for any type of prepayment, the positive disclosure is required; voluntary/involuntary differences are not placed in the segregated disclosures.","Source and pinpoint":"S006 comment18(k)-1.ii–iii.","Conditions, status, jurisdiction, and limits":"Established. Includes acceleration-related prepayment; does not decide acceleration’s substantive consequences."},"coordinator_verification_status":"conditional_framework_or_stipulated_math_reviewed_currentness_legalAPR_actualfact_limits_retained","coordinator_review":"[internal evidence reference]"},{"claim_id":"R004-P3-C025","area_numbers":[4],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R004-P3-C025","Exact assertion":"One transaction can require both rebate and penalty disclosures when both charge structures are present.","Source and pinpoint":"S006 comment18(k)-2.","Conditions, status, jurisdiction, and limits":"Established mixed-structure rule. A single “simple interest” label does not classify all charges."},"coordinator_verification_status":"conditional_framework_or_stipulated_math_reviewed_currentness_legalAPR_actualfact_limits_retained","coordinator_review":"[internal evidence reference]"},{"claim_id":"R004-P3-C026","area_numbers":[4],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R004-P3-C026","Exact assertion":"A prepaid finance charge alone does not require a §18(k) disclosure and is not, solely for that reason, a §18(k)(1) penalty; optional rebate disclosure is permitted.","Source and pinpoint":"S006 comment18(k)-3.","Conditions, status, jurisdiction, and limits":"Established classification/disclosure rule. Not a universal nonrefundability rule."},"coordinator_verification_status":"conditional_framework_or_stipulated_math_reviewed_currentness_legalAPR_actualfact_limits_retained","coordinator_review":"[internal evidence reference]"},{"claim_id":"R004-P3-C027","area_numbers":[4],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R004-P3-C027","Exact assertion":"Treating a fully prepaid balance as outstanding afterward and charging interest on it is an example of a §18(k)(1) prepayment penalty.","Source and pinpoint":"S006 comment18(k)(1)-1.i, complete explanation and example.","Conditions, status, jurisdiction, and limits":"Established label for this provision. Contract wording about monthly accrual does not remove the example’s classification."},"coordinator_verification_status":"conditional_framework_or_stipulated_math_reviewed_currentness_legalAPR_actualfact_limits_retained","coordinator_review":"[internal evidence reference]"},{"claim_id":"R004-P3-C028","area_numbers":[4],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R004-P3-C028","Exact assertion":"A minimum finance charge in a simple-interest transaction is an example of a prepayment penalty.","Source and pinpoint":"S006 comment18(k)(1)-1.iii.","Conditions, status, jurisdiction, and limits":"Established classification. No minimum amount or authority to collect one established."},"coordinator_verification_status":"conditional_framework_or_stipulated_math_reviewed_currentness_legalAPR_actualfact_limits_retained","coordinator_review":"[internal evidence reference]"},{"claim_id":"R004-P3-C029","area_numbers":[4],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R004-P3-C029","Exact assertion":"Recapture of a conditionally waived origination/closing fee is a penalty example, subject to the commentary’s specific exception for waived bona fide third-party charges on full prepayment of a covered transaction sooner than 36 months after consummation.","Source and pinpoint":"S006 comment18(k)(1)-1.ii; S008 §43(b)(1), context only.","Conditions, status, jurisdiction, and limits":"Established conditional classification. Exception does not encompass every third-party fee, partial payment, later payment, or excess recapture. No actual mortgage application or charging permission decided."},"coordinator_verification_status":"conditional_framework_or_stipulated_math_reviewed_currentness_legalAPR_actualfact_limits_retained","coordinator_review":"[internal evidence reference]"},{"claim_id":"R004-P3-C030","area_numbers":[4],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R004-P3-C030","Exact assertion":"Document-preparation/provision fees imposed upon full payoff whether or not early, and loan-guarantee fees, are examples of fees not classified as penalties under §18(k)(1).","Source and pinpoint":"S006 comment18(k)(1)-2.i–ii.","Conditions, status, jurisdiction, and limits":"Established classification examples. “Not a penalty” does not mean otherwise authorized or automatically collectible."},"coordinator_verification_status":"conditional_framework_or_stipulated_math_reviewed_currentness_legalAPR_actualfact_limits_retained","coordinator_review":"[internal evidence reference]"},{"claim_id":"R004-P3-C031","area_numbers":[4],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R004-P3-C031","Exact assertion":"For the referenced refund/penalty classification, commentary directs use of an applicable state actuarial definition when it produces a greater refund than the federal definition.","Source and pinpoint":"S006 comment18(k)(2)-1.i.A.","Conditions, status, jurisdiction, and limits":"Established instruction in this context. No state definition was selected or applied here."},"coordinator_verification_status":"conditional_framework_or_stipulated_math_reviewed_currentness_legalAPR_actualfact_limits_retained","coordinator_review":"[internal evidence reference]"},{"claim_id":"R004-P3-C032","area_numbers":[4],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R004-P3-C032","Exact assertion":"A description of the earned/unearned finance-charge computation method is neither required nor permitted within the segregated §18(k)(2) disclosures.","Source and pinpoint":"S006 comment18(k)(2)-1.ii.","Conditions, status, jurisdiction, and limits":"Established placement rule. It does not prohibit relevant contract terms or separately supplied information."},"coordinator_verification_status":"conditional_framework_or_stipulated_math_reviewed_currentness_legalAPR_actualfact_limits_retained","coordinator_review":"[internal evidence reference]"},{"claim_id":"R004-P3-C033","area_numbers":[4],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R004-P3-C033","Exact assertion":"Disclosures reflect the legal obligation; an informal principal-reduction arrangement does not automatically replace the contractual payment schedule.","Source and pinpoint":"S007 §17(c)(1), comments -1 and -2.ii; S005 §18(p).","Conditions, status, jurisdiction, and limits":"Established disclosure basis; related inference. Extra money alone does not establish a legally effective recast or due-date change."},"coordinator_verification_status":"conditional_framework_or_stipulated_math_reviewed_currentness_legalAPR_actualfact_limits_retained","coordinator_review":"[internal evidence reference]"},{"claim_id":"R004-P3-C034","area_numbers":[4],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R004-P3-C034","Exact assertion":"Regulation Z has consumer-purpose, regular-extension, finance-charge/installment, actor, and exemption gates. Its 2026 amount threshold is $73,400, with real-property/principal-dwelling and private-education exceptions to that threshold exemption.","Source and pinpoint":"S008 §1(c)(1), §3(a), §3(b)(1), comment3(b)-3.xvii; S003 §1603 and inflation note.","Conditions, status, jurisdiction, and limits":"Established Regulation Z screen. Not a universal debt threshold or automatic §1615 exclusion."},"coordinator_verification_status":"conditional_framework_or_stipulated_math_reviewed_currentness_legalAPR_actualfact_limits_retained","coordinator_review":"[internal evidence reference]"},{"claim_id":"R004-P3-C035","area_numbers":[4],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R004-P3-C035","Exact assertion":"Qualifying §3(h) assistance transactions may use the specified §18 disclosure route instead of §19(e)/(f); the exception requires all listed conditions.","Source and pinpoint":"S008 §3(h)(1)–(6), comments3(h)-1–2.","Conditions, status, jurisdiction, and limits":"Established conditional alternative. Subordinate lien, specified assistance purpose, no interest, specified forgiveness/deferral, restricted costs, fee condition, and compliant disclosures are required. No eligibility determination."},"coordinator_verification_status":"conditional_framework_or_stipulated_math_reviewed_currentness_legalAPR_actualfact_limits_retained","coordinator_review":"[internal evidence reference]"},{"claim_id":"R004-P3-C036","area_numbers":[4],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R004-P3-C036","Exact assertion":"The Title IV student-loan exemption does not cover private education loans; Subpart F generally adds requirements and incorporates §18 disclosures at specified stages.","Source and pinpoint":"S008 §3(f), comment3(f)-1; §46(a)(1), (b)(5), (c)(2).","Conditions, status, jurisdiction, and limits":"Gateway only. Private-education charging/prepayment law is not investigated or approved here."},"coordinator_verification_status":"conditional_framework_or_stipulated_math_reviewed_currentness_legalAPR_actualfact_limits_retained","coordinator_review":"[internal evidence reference]"},{"claim_id":"R004-P3-C037","area_numbers":[4],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R004-P3-C037","Exact assertion":"Note face amount, principal, amount financed, and consumer proceeds can differ; precomputed interest in a gross obligation is not thereby all principal.","Source and pinpoint":"S004 §1638(a)(2); S005 §18(b); S006 comment18(b)(3)-2.","Conditions, status, jurisdiction, and limits":"Established disclosure/accounting distinction. The new model makes them equal only where expressly stipulated."},"coordinator_verification_status":"conditional_framework_or_stipulated_math_reviewed_currentness_legalAPR_actualfact_limits_retained","coordinator_review":"[internal evidence reference]"},{"claim_id":"R004-P3-C038","area_numbers":[4],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R004-P3-C038","Exact assertion":"These sources do not establish that an increased payment alone releases a lien, discharges every obligation, or changes maturity; those conclusions require the applicable obligation and governing rules.","Source and pinpoint":"S005 §18(p); S007 comment17(c)(1)-1–2; scope of S001.","Conditions, status, jurisdiction, and limits":"Bounded inference/hold. A mathematical zero under assumed components is not proof of legal satisfaction of every secured obligation."},"coordinator_verification_status":"conditional_framework_or_stipulated_math_reviewed_currentness_legalAPR_actualfact_limits_retained","coordinator_review":"[internal evidence reference]"},{"claim_id":"R004-P3-C039","area_numbers":[4],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R004-P3-C039","Exact assertion":"The stated sum-of-digits model allocates F using descending weights; its unearned fraction after k complete model periods is S(n-k)/S(n).","Source and pinpoint":"S010 explanation/table; derivation in §4 above.","Conditions, units, status, and limits":"Derived mathematics. Equal stipulated installments/periods; denominator78 only for12 periods. No legal permission inferred."},"coordinator_verification_status":"conditional_framework_or_stipulated_math_reviewed_currentness_legalAPR_actualfact_limits_retained","coordinator_review":"[internal evidence reference]"},{"claim_id":"R004-P3-C040","area_numbers":[4],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R004-P3-C040","Exact assertion":"The balance benchmark uses I=r*B, payment first to modeled interest, and remainder to principal.","Source and pinpoint":"S001 §1615(d)(1); S009 early_info5.htm; stated W03 assumptions.","Conditions, units, status, and limits":"Conditional model. No actual refund-rate selection, day-count rule, capitalization permission, or legal APR."},"coordinator_verification_status":"conditional_framework_or_stipulated_math_reviewed_currentness_legalAPR_actualfact_limits_retained","coordinator_review":"[internal evidence reference]"},{"claim_id":"R004-P3-C041","area_numbers":[4],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R004-P3-C041","Exact assertion":"W03’s three payments total $399.30, comprising $331 principal and $68.30 modeled interest, with ending balance zero under its balance recurrence.","Source and pinpoint":"W03; K01–K14.","Conditions, units, status, and limits":"New derived arithmetic, dollars and model months. No actual charge authorized."},"coordinator_verification_status":"conditional_framework_or_stipulated_math_reviewed_currentness_legalAPR_actualfact_limits_retained","coordinator_review":"[internal evidence reference]"},{"claim_id":"R004-P3-C042","area_numbers":[4],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R004-P3-C042","Exact assertion":"After W03 installment1, the two modeled refunds are $34.15 and $35.20; corresponding net payments differ by $1.05.","Source and pinpoint":"W03; K15–K21; method bases S009/S010.","Conditions, units, status, and limits":"New derived comparison, same original cash flows; alternative earning allocations."},"coordinator_verification_status":"conditional_framework_or_stipulated_math_reviewed_currentness_legalAPR_actualfact_limits_retained","coordinator_review":"[internal evidence reference]"},{"claim_id":"R004-P3-C043","area_numbers":[4],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R004-P3-C043","Exact assertion":"After installment2, rounding the sum-of-digits refund at the specified cash step produces $11.38 and a $121.72 net payment, $0.72 above the balance benchmark.","Source and pinpoint":"W03; K22–K24.","Conditions, units, status, and limits":"New derived arithmetic. Rounding convention is stipulated, not attributed to law."},"coordinator_verification_status":"conditional_framework_or_stipulated_math_reviewed_currentness_legalAPR_actualfact_limits_retained","coordinator_review":"[internal evidence reference]"},{"claim_id":"R004-P3-C044","area_numbers":[4],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R004-P3-C044","Exact assertion":"W04’s immediate-principal branch produces B=$181 and next-period interest=$18.10; its gross-credit branch only establishes G=$216.20.","Source and pinpoint":"W04; K25–K28; S001 full-prepayment trigger; S007 contract control.","Conditions, units, status, and limits":"Alternative conditional models. No automatic partial-payment refund or allocation right."},"coordinator_verification_status":"conditional_framework_or_stipulated_math_reviewed_currentness_legalAPR_actualfact_limits_retained","coordinator_review":"[internal evidence reference]"},{"claim_id":"R004-P3-C045","area_numbers":[4],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R004-P3-C045","Exact assertion":"W06’s assumed $40 total minimum requires only a $6.90 incremental addition after $33.10 paid interest, producing conditional cash totals shown.","Source and pinpoint":"W06; K29–K31; S006 comment18(k)(1)-1.iii.","Conditions, units, status, and limits":"Arithmetic/classification separated from authority. $40 is invented solely as a hypothetical input, not a lawful minimum or cap."},"coordinator_verification_status":"conditional_framework_or_stipulated_math_reviewed_currentness_legalAPR_actualfact_limits_retained","coordinator_review":"[internal evidence reference]"},{"claim_id":"R004-P3-C046","area_numbers":[4],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R004-P3-C046","Exact assertion":"Gross-payment-plus-refund and net-deduction accounting must recognize the refund once; prior credited payments must also be recognized once.","Source and pinpoint":"S009 early_exp5.htm, refund/deduction explanation; W02/W03 and §6 identities.","Conditions, units, status, and limits":"Derived reconciliation. Nominal cash equality is not timing/PV equivalence or permission for either delivery mechanism."},"coordinator_verification_status":"conditional_framework_or_stipulated_math_reviewed_currentness_legalAPR_actualfact_limits_retained","coordinator_review":"[internal evidence reference]"},{"claim_id":"R004-P3-C047","area_numbers":[4],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R004-P3-C047","Exact assertion":"The $170.57 P01 saving remains model-only and cannot be transferred mechanically to a precomputed charge or an unknown allocation contract.","Source and pinpoint":"S013 reviewed premise; S001/S006 structure distinctions; W01/W04.","Conditions, units, status, and limits":"Reviewed reuse plus bounded inference. No fresh P01 schedule calculation."},"coordinator_verification_status":"conditional_framework_or_stipulated_math_reviewed_currentness_legalAPR_actualfact_limits_retained","coordinator_review":"[internal evidence reference]"},{"claim_id":"R004-P3-C048","area_numbers":[4],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R004-P3-C048","Exact assertion":"One Federal Reserve Rule-of-78 example balance line is inconsistent with its printed operands.","Source and pinpoint":"S009 early_exp4.htm, first-payment principal and month1 balance lines; K32.","Conditions, units, status, and limits":"New arithmetic observation. No diagnosis of the publishing cause; no silent correction or adoption of the whole source schedule."},"coordinator_verification_status":"conditional_framework_or_stipulated_math_reviewed_currentness_legalAPR_actualfact_limits_retained","coordinator_review":"[internal evidence reference]"},{"claim_id":"R004-P3-C049","area_numbers":[4],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R004-P3-C049","Exact assertion":"Source currency is bounded by the displayed compilation dates and actual read extent; historical editions, generic education, failed access, and current renderings are distinct evidence categories.","Source and pinpoint":"S001–S012/S014; read log.","Conditions, units, status, and limits":"Evidence-status finding. No comprehensive post-cutoff amendment or litigation-status certificate."},"coordinator_verification_status":"conditional_framework_or_stipulated_math_reviewed_currentness_legalAPR_actualfact_limits_retained","coordinator_review":"[internal evidence reference]"},{"claim_id":"R004-P3-C050","area_numbers":[4],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"R004-P3-C050","Exact assertion":"Actual lawful refund, charging permission, legal APR, and A004/component/parent/calculator/operations/publication acceptance remain unresolved or expressly ungranted.","Source and pinpoint":"S013 preserved limits; C010, C016–C018, C033, C038 and model conditions.","Conditions, units, status, and limits":"Scope conclusion. Correct arithmetic does not close the missing legal and contractual predicates."},"coordinator_verification_status":"conditional_framework_or_stipulated_math_reviewed_currentness_legalAPR_actualfact_limits_retained","coordinator_review":"[internal evidence reference]"}],"sources":[{"source_id":"R004-P3-S001","urls":["https://uscode.house.gov/us/usc/119-124/t15/s1615/","https://uscode.house.gov/us/usc/119-124/t15/s1615/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"R004-P3-S001","Issuer/title and complete literal HTTPS URL(s)":"U.S. House, Office of the Law Revision Counsel, 15 U.S.C. §1615. https://uscode.house.gov/us/usc/119-124/t15/s1615/","Exact relevant pinpoint and read extent":"Complete section (a)–(d), source credit, codification note, and footnote read. HTML body lines 20–85 in the returned rendering.","Version, status, effective-trigger information":"Body states laws in effect through Public Law 119-124, October 15, 2026. Source credit: Pub. L. 102-550, title IX, §933, October 28, 1992, 106 Stat. 3891. No separate amendment or effective-date note appears under this section in the read body. The explicit transaction-date condition is in subsection (b).","Actual check and jurisdiction/limits":"Fresh, 2026-10-27. Federal statute as compiled. Post-cutoff session laws were not comprehensively audited. Initial direct access failed; opening the discovered search result subsequently returned the complete body. \nuscode.house.gov"},"coordinator_verification_status":"fresh_current_route_failures","coordinator_review":"[internal evidence reference]"},{"source_id":"R004-P3-S002","urls":["https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap41-subchapI-partA-sec1615.htm","https://www.govinfo.gov/content/pkg/USCODE-2024-title15/pdf/USCODE-2024-title15-chap41-subchapI-partA-sec1615.pdf","https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap41-subchapI-partA-sec1615.htm?utm_source=chatgpt.com","https://www.govinfo.gov/content/pkg/USCODE-2024-title15/pdf/USCODE-2024-title15-chap41-subchapI-partA-sec1615.pdf?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"R004-P3-S002","Issuer/title and complete literal HTTPS URL(s)":"GPO/GovInfo, United States Code, 2024 Edition, §1615. https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap41-subchapI-partA-sec1615.htm\nhttps://www.govinfo.gov/content/pkg/USCODE-2024-title15/pdf/USCODE-2024-title15-chap41-subchapI-partA-sec1615.pdf","Exact relevant pinpoint and read extent":"Complete §1615 and codification note in HTML and extracted PDF text. Section is on printed p.1474, zero-based PDF index 0; the two-page extract also contains adjacent material, including §1616 on p.1475/index 1. Adjacent sections’ effective-date notes were not attributed to §1615.","Version, status, effective-trigger information":"Historical official Code edition, not October 2026 currency evidence by itself. Same underlying statute as S001.","Actual check and jurisdiction/limits":"Fresh historical read, 2026-10-27. PDF text only; no pixels. Supports comparison with S001, not an independent statute or a complete current session-law audit. \nCOMMERCE AND TRADE\n+1"},"coordinator_verification_status":"fresh_selected_historical_body","coordinator_review":"[internal evidence reference]"},{"source_id":"R004-P3-S003","urls":["https://uscode.house.gov/us/usc/119-124/t15/s1602/","https://uscode.house.gov/us/usc/119-124/t15/s1603/","https://uscode.house.gov/us/usc/119-124/t15/s1602/?utm_source=chatgpt.com","https://uscode.house.gov/us/usc/119-124/t15/s1603/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"R004-P3-S003","Issuer/title and complete literal HTTPS URL(s)":"OLRC, 15 U.S.C. §§1602 and 1603. https://uscode.house.gov/us/usc/119-124/t15/s1602/\nhttps://uscode.house.gov/us/usc/119-124/t15/s1603/","Exact relevant pinpoint and read extent":"§1602: selected (a), (d)–(i), including the complete creditor definition in (g). §1603: complete operative numbered exemptions and displayed editorial/statutory notes, including inflation adjustment.","Version, status, effective-trigger information":"Each body states currency through P.L.119-124, October 15, 2026. §1603’s statutory dollar figure must be read with its inflation-adjustment note; it is not a fixed current threshold.","Actual check and jurisdiction/limits":"Fresh, 2026-10-27. Federal definitions and TILA exemptions. The precise carryover of every TILA exemption to separately enacted §1615 is not established merely by their placement in the Code. \nuscode.house.gov\n+2"},"coordinator_verification_status":"fresh_selected_partial_group","coordinator_review":"[internal evidence reference]"},{"source_id":"R004-P3-S004","urls":["https://uscode.house.gov/us/usc/119-124/t15/s1638/","https://uscode.house.gov/us/usc/119-124/t15/s1638/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"R004-P3-S004","Issuer/title and complete literal HTTPS URL(s)":"OLRC, 15 U.S.C. §1638, Transactions other than under an open end credit plan. https://uscode.house.gov/us/usc/119-124/t15/s1638/","Exact relevant pinpoint and read extent":"Selected (a) chapeau, (a)(2), (a)(5)–(6), (a)(11)–(12). Not the entire section or all historical amendments.","Version, status, effective-trigger information":"Body currency P.L.119-124, October 15, 2026. Current compiled disclosure provisions; no broader historical-effective-date audit claimed.","Actual check and jurisdiction/limits":"Fresh selected-body read, 2026-10-27. Statutory disclosure foundation, distinct from §1615’s refund command. \nuscode.house.gov\n+1"},"coordinator_verification_status":"fresh_selected_body","coordinator_review":"[internal evidence reference]"},{"source_id":"R004-P3-S005","urls":["https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-C/section-1026.18","https://www.consumerfinance.gov/rules-policy/regulations/1026/18/","https://www.govinfo.gov/content/pkg/CFR-2025-title12-vol9/pdf/CFR-2025-title12-vol9-sec1026-18.pdf","https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-C/section-1026.18?utm_source=chatgpt.com","https://www.consumerfinance.gov/rules-policy/regulations/1026/18/?utm_source=chatgpt.com","https://www.govinfo.gov/content/pkg/CFR-2025-title12-vol9/pdf/CFR-2025-title12-vol9-sec1026-18.pdf?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"R004-P3-S005","Issuer/title and complete literal HTTPS URL(s)":"OFR/GPO eCFR and CFPB, 12 C.F.R. §1026.18; GPO annual CFR counterpart. https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-C/section-1026.18\nhttps://www.consumerfinance.gov/rules-policy/regulations/1026/18/\nhttps://www.govinfo.gov/content/pkg/CFR-2025-title12-vol9/pdf/CFR-2025-title12-vol9-sec1026-18.pdf","Exact relevant pinpoint and read extent":"Fresh relevant body: chapeau, (b), complete (k)(1)–(2), and (p). Annual PDF: chapeau/(b), printed p.55/index 0; complete (k) and (p), printed p.57/index 2. Six-page annual extract was not treated as six independently read sources.","Version, status, effective-trigger information":"eCFR displayed Title 12 up to date October 23, 2026, and described itself as authoritative but unofficial. Section source note: 76 FR 79772, Dec.22, 2011; amended 78 FR 80108, Dec.31, 2013. Annual edition is Jan.1, 2025; July31,2025 production footer is not an effective date.","Actual check and jurisdiction/limits":"Fresh, 2026-10-27. Core operative prepayment-disclosure text readable in all three representations. No claim that title-wide metadata proves a section-specific amendment date or that the annual edition alone proves 2026 currency. \necfr.gov\n+4"},"coordinator_verification_status":"fresh_selected_partial_group","coordinator_review":"[internal evidence reference]"},{"source_id":"R004-P3-S006","urls":["https://www.consumerfinance.gov/rules-policy/regulations/1026/18/","https://www.consumerfinance.gov/rules-policy/regulations/1026/interp-18/","https://www.consumerfinance.gov/rules-policy/regulations/1026/18/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"R004-P3-S006","Issuer/title and complete literal HTTPS URL(s)":"CFPB, Official Interpretations of §1026.18. https://www.consumerfinance.gov/rules-policy/regulations/1026/18/\nhttps://www.consumerfinance.gov/rules-policy/regulations/1026/interp-18/","Exact relevant pinpoint and read extent":"Complete relevant 18(k)-1–3; 18(k)(1)-1.i–iii and -2.i–ii; 18(k)(2)-1.i.A–B and ii. Also scope comment 18-3, selected amount-financed commentary, and 18(p)-1. Integrated and standalone versions were cross-read as the same interpretation.","Version, status, effective-trigger information":"CFPB labels rendering “current regulation.” Agency electronic resource is not an official legal CFR/FR edition; S011 records that notice. A direct current eCFR Supplement I retrieval failed for size, recorded below.","Actual check and jurisdiction/limits":"Fresh, 2026-10-27. Complete targeted commentary read; no claim of reading all Supplement I or completing an amendment-by-amendment history. \nConsumer Financial Protection Bureau\n+3"},"coordinator_verification_status":"fresh_selected_body","coordinator_review":"[internal evidence reference]"},{"source_id":"R004-P3-S007","urls":["https://www.consumerfinance.gov/rules-policy/regulations/1026/17/","https://www.consumerfinance.gov/rules-policy/regulations/1026/17/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"R004-P3-S007","Issuer/title and complete literal HTTPS URL(s)":"CFPB, §1026.17, General disclosure requirements. https://www.consumerfinance.gov/rules-policy/regulations/1026/17/","Exact relevant pinpoint and read extent":"Selected (a)(1), (b), (c)(1) and complete relevant comments 17(c)(1)-1–2, including informal principal-reduction arrangements.","Version, status, effective-trigger information":"Current agency rendering. Historical transaction applicability and specialized timing rules not fully investigated.","Actual check and jurisdiction/limits":"Fresh, 2026-10-27. Supports legal-obligation and contract-modification distinctions, not a general servicing or prepayment right. \nConsumer Financial Protection Bureau\n+1"},"coordinator_verification_status":"fresh_selected_partial_group","coordinator_review":"[internal evidence reference]"},{"source_id":"R004-P3-S008","urls":["https://www.consumerfinance.gov/rules-policy/regulations/1026/1/","https://www.consumerfinance.gov/rules-policy/regulations/1026/2/","https://www.consumerfinance.gov/rules-policy/regulations/1026/3/","https://www.consumerfinance.gov/rules-policy/regulations/1026/46/","https://www.consumerfinance.gov/rules-policy/regulations/1026/43/","https://www.consumerfinance.gov/rules-policy/regulations/1026/1/?utm_source=chatgpt.com","https://www.consumerfinance.gov/rules-policy/regulations/1026/2/?utm_source=chatgpt.com","https://www.consumerfinance.gov/rules-policy/regulations/1026/3/?utm_source=chatgpt.com","https://www.consumerfinance.gov/rules-policy/regulations/1026/46/?utm_source=chatgpt.com","https://www.consumerfinance.gov/rules-policy/regulations/1026/43/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"R004-P3-S008","Issuer/title and complete literal HTTPS URL(s)":"CFPB, Regulation Z applicability gateways. https://www.consumerfinance.gov/rules-policy/regulations/1026/1/\nhttps://www.consumerfinance.gov/rules-policy/regulations/1026/2/\nhttps://www.consumerfinance.gov/rules-policy/regulations/1026/3/\nhttps://www.consumerfinance.gov/rules-policy/regulations/1026/46/\nhttps://www.consumerfinance.gov/rules-policy/regulations/1026/43/","Exact relevant pinpoint and read extent":"Selected §1(a)–(c); §2(a)(10)–(14) and relevant comments; §3(a) operative provisions, §3(b)(1) and threshold commentary, selected (c)–(g), complete (h)(1)–(6) and its relevant commentary; §46(a), (b)(5), (c)(2) and related comments. §43 only selected scope passages and (b)(1) to identify the dwelling-secured context—not its full substantive penalty regime.","Version, status, effective-trigger information":"Current agency renderings. §3(b) comment gives $73,400 for Jan.1–Dec.31,2026, with stated exceptions. Product-specific effective and application dates remain separate gates.","Actual check and jurisdiction/limits":"Fresh selected-body reads, 2026-10-27. One related Regulation Z source group. No product eligibility, dealer/entity status, or actual transaction determination. \nConsumer Financial Protection Bureau\n+5"},"coordinator_verification_status":"fresh_selected_partial_group","coordinator_review":"[internal evidence reference]"},{"source_id":"R004-P3-S009","urls":["https://www.federalreserve.gov/pubs/leasing/resource/different/early.htm","https://www.federalreserve.gov/pubs/leasing/resource/different/early_info4.htm","https://www.federalreserve.gov/pubs/leasing/resource/different/early_info5.htm","https://www.federalreserve.gov/pubs/leasing/resource/different/early_exp4.htm","https://www.federalreserve.gov/pubs/leasing/resource/different/early_exp5.htm","https://www.federalreserve.gov/pubs/leasing/resource/different/early.htm?utm_source=chatgpt.com","https://www.federalreserve.gov/pubs/leasing/resource/different/early_info4.htm?utm_source=chatgpt.com","https://www.federalreserve.gov/pubs/leasing/resource/different/early_info5.htm?utm_source=chatgpt.com","https://www.federalreserve.gov/pubs/leasing/resource/different/early_exp4.htm?utm_source=chatgpt.com","https://www.federalreserve.gov/pubs/leasing/resource/different/early_exp5.htm?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"R004-P3-S009","Issuer/title and complete literal HTTPS URL(s)":"Federal Reserve Board, Vehicle Leasing: Leasing vs. Buying—Early Termination, loan-side generic explanations/examples. https://www.federalreserve.gov/pubs/leasing/resource/different/early.htm\nhttps://www.federalreserve.gov/pubs/leasing/resource/different/early_info4.htm\nhttps://www.federalreserve.gov/pubs/leasing/resource/different/early_info5.htm\nhttps://www.federalreserve.gov/pubs/leasing/resource/different/early_exp4.htm\nhttps://www.federalreserve.gov/pubs/leasing/resource/different/early_exp5.htm","Exact relevant pinpoint and read extent":"Loan-payoff discussion and complete short Rule-of-78 and Constant-Yield information/example pages. Their text equations were readable. No image equation reconstruction.","Version, status, effective-trigger information":"Parent page says last update May5,2003. Historical official consumer education; not current substantive charging authority. Subpages do not independently establish a newer effective date.","Actual check and jurisdiction/limits":"Fresh historical/generic read, 2026-10-27. Used for limited mathematical explanation. Source expressly conditions examples on law, contract, and implementation. One printed balance inconsistency identified; source results not adopted as a validated schedule or legal APR. \nfederalreserve.gov\n+4"},"coordinator_verification_status":"fresh_selected_generic_examples","coordinator_review":"[internal evidence reference]"},{"source_id":"R004-P3-S010","urls":["https://dfi.wi.gov/Pages/ConsumerServices/WisconsinConsumerAct/Ruleof78s.aspx","https://dfi.wi.gov/Pages/ConsumerServices/WisconsinConsumerAct/Ruleof78s.aspx?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"R004-P3-S010","Issuer/title and complete literal HTTPS URL(s)":"Wisconsin Department of Financial Institutions, The Rule of 78’s. https://dfi.wi.gov/Pages/ConsumerServices/WisconsinConsumerAct/Ruleof78s.aspx","Exact relevant pinpoint and read extent":"Complete substantive explanation, 12-row table, definitions, and discussion of terms shorter/longer than 12 months; returned body lines20–116.","Version, status, effective-trigger information":"Official generic educational explanation; no publication/effective date established from the read body.","Actual check and jurisdiction/limits":"Fresh, 2026-10-27. Used only for the sum-of-digits allocation construction. Not proof of current Wisconsin permission, another state’s law, or any actual contract. Source’s stated APR and broad payment-practice statements were not adopted as universal rules. \ndfi.wi.gov"},"coordinator_verification_status":"fresh_selected_generic_body","coordinator_review":"[internal evidence reference]"},{"source_id":"R004-P3-S011","urls":["https://www.consumerfinance.gov/rules-policy/regulations/1026/versions/18/","https://www.consumerfinance.gov/rules-policy/regulations/1026/versions/18/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"R004-P3-S011","Issuer/title and complete literal HTTPS URL(s)":"CFPB, Regulation Z versions and user notice. https://www.consumerfinance.gov/rules-policy/regulations/1026/versions/18/","Exact relevant pinpoint and read extent":"Versions list and complete user notice.","Version, status, effective-trigger information":"Lists April8,2026 as current part-wide version. Notice says resource does not replace official CFR/FR editions.","Actual check and jurisdiction/limits":"Fresh metadata read, 2026-10-27. Discovery/version context only; not proof §18(k) changed on April8. \nConsumer Financial Protection Bureau"},"coordinator_verification_status":"unreopened_metadata_only","coordinator_review":"[internal evidence reference]"},{"source_id":"R004-P3-S012","urls":["https://www.consumerfinance.gov/compliance/guidance/withdrawn-guidance/","https://www.consumerfinance.gov/compliance/guidance/withdrawn-guidance/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"R004-P3-S012","Issuer/title and complete literal HTTPS URL(s)":"CFPB, Withdrawn Guidance register. https://www.consumerfinance.gov/compliance/guidance/withdrawn-guidance/","Exact relevant pinpoint and read extent":"Register categories and entries read in overlapping extracts; last-modified metadata checked. Linked withdrawal notices were not separately read.","Version, status, effective-trigger information":"Page last modified July22,2026, 12:12 p.m. EDT.","Actual check and jurisdiction/limits":"Fresh, 2026-10-27. No substantive CFPB circular, bulletin, or advisory opinion is relied upon in this pass. Withdrawal entries are not treated as repeal of the statutes or regulations read above. \nConsumer Financial Protection Bureau\n+1"},"coordinator_verification_status":"unreopened_metadata_only","coordinator_review":"[internal evidence reference]"},{"source_id":"R004-P3-S013","urls":[],"researcher_record":{"Source ID":"R004-P3-S013","Issuer/title and complete literal HTTPS URL(s)":"Reviewed P01/P02 premises supplied in this original chat, including the current P03 instruction. No external URL exists for this evidence item.","Exact relevant pinpoint and read extent":"P01 savings, totals, assumptions, prior review descriptions, and P02 legal-APR hold reused exactly as supplied.","Version, status, effective-trigger information":"Reviewed foundation with user-stated limits; not freshly independently verified here.","Actual check and jurisdiction/limits":"Reviewed reuse, 2026-10-27. No invented fresh-source, hash, model-provenance, or independent-review credit."},"coordinator_verification_status":"reviewed_prior_scope_reuse","coordinator_review":"[internal evidence reference]"},{"source_id":"R004-P3-S014","urls":["https://uscode.house.gov/statviewer.html?page=3891&volume=106","https://www.govinfo.gov/content/pkg/STATUTE-106/pdf/STATUTE-106-Pg3672.pdf","https://uscode.house.gov/statviewer.html?page=3891&volume=106&utm_source=chatgpt.com"],"researcher_record":{"Source ID":"R004-P3-S014","Issuer/title and complete literal HTTPS URL(s)":"OLRC/GPO, raw 1992 enactment routes—access incomplete. https://uscode.house.gov/statviewer.html?page=3891&volume=106\nhttps://www.govinfo.gov/content/pkg/STATUTE-106/pdf/STATUTE-106-Pg3672.pdf","Exact relevant pinpoint and read extent":"Statviewer returned navigation and a notice, without readable enactment pixels. Full public-law PDF fetch rejected for size. No raw §933 session-law body read claimed.","Version, status, effective-trigger information":"Historical original-law routes. §933’s enactment citation is established through S001/S002; original-law inspection remains incomplete.","Actual check and jurisdiction/limits":"Failed/limited access, 2026-10-27. Limits any claim to have comprehensively audited original-law surrounding effective provisions or cross-enactment application."},"coordinator_verification_status":"fresh_bounded_raw_enactment_route_failure","coordinator_review":"[internal evidence reference]"}],"coverage":[{"topic":"Q1: complete §1615 body","researcher_record":{"Assigned question/branch":"Q1: complete §1615 body","Status and reason":"Answered. All subsections and displayed section notes read.","Claim/example links":"C002–C017; S001/S002","Exact missing authority/input and next bounded action":"None for the read body. Retain compilation cutoff."},"raw_table_index":11,"coordinator_acceptance":"scoped_review_with_explicit_source_legalAPR_actualfact_and_parent_holds","coordinator_review":"[internal evidence reference]"},{"topic":"Q1: mandatory refund trigger","researcher_record":{"Assigned question/branch":"Q1: mandatory refund trigger","Status and reason":"Answered conditionally. Full prepayment and unearned interest are required predicates.","Claim/example links":"C006; W02","Exact missing authority/input and next bounded action":"Actual qualifying event and unearned amount absent; actual application remains held."},"raw_table_index":11,"coordinator_acceptance":"scoped_review_with_explicit_source_legalAPR_actualfact_and_parent_holds","coordinator_review":"[internal evidence reference]"},{"topic":"Q1: de minimis exception","researcher_record":{"Assigned question/branch":"Q1: de minimis exception","Status and reason":"Answered. Total refund less than $1.","Claim/example links":"C007; W08","Exact missing authority/input and next bounded action":"Other applicable law/contract may provide more; examine only in a future generic jurisdiction packet."},"raw_table_index":11,"coordinator_acceptance":"scoped_review_with_explicit_source_legalAPR_actualfact_and_parent_holds","coordinator_review":"[internal evidence reference]"},{"topic":"Q1: refinancing/consolidation/restructuring","researcher_record":{"Assigned question/branch":"Q1: refinancing/consolidation/restructuring","Status and reason":"Answered at statutory trigger level. Expressly included when required prepayment occurs.","Claim/example links":"C008; W07","Exact missing authority/input and next bounded action":"Legal characterization and payment facts not supplied or investigated."},"raw_table_index":11,"coordinator_acceptance":"scoped_review_with_explicit_source_legalAPR_actualfact_and_parent_holds","coordinator_review":"[internal evidence reference]"},{"topic":"Q1: acceleration","researcher_record":{"Assigned question/branch":"Q1: acceleration","Status and reason":"Answered/partial. Express inclusion of prepayment resulting from acceleration; acceleration alone not equated with full prepayment.","Claim/example links":"C008; W07","Exact missing authority/input and next bounded action":"Separate acceleration/accounting/product law remains held."},"raw_table_index":11,"coordinator_acceptance":"scoped_review_with_explicit_source_legalAPR_actualfact_and_parent_holds","coordinator_review":"[internal evidence reference]"},{"topic":"Q1: term threshold","researcher_record":{"Assigned question/branch":"Q1: term threshold","Status and reason":"Answered. “Exceeding61 months,” not “61 or more.”","Claim/example links":"C009–C010; W05","Exact missing authority/input and next bounded action":"Legally applicable transaction term unknown. Future generic analysis should distinguish original and modified obligations."},"raw_table_index":11,"coordinator_acceptance":"scoped_review_with_explicit_source_legalAPR_actualfact_and_parent_holds","coordinator_review":"[internal evidence reference]"},{"topic":"Q1: transaction-date trigger","researcher_record":{"Assigned question/branch":"Q1: transaction-date trigger","Status and reason":"Answered. After September30,1993 for subsection(b).","Claim/example links":"C009–C010; W05","Exact missing authority/input and next bounded action":"Historical consummation and governing law facts absent. No individual calendar calculation."},"raw_table_index":11,"coordinator_acceptance":"scoped_review_with_explicit_source_legalAPR_actualfact_and_parent_holds","coordinator_review":"[internal evidence reference]"},{"topic":"Q1: earlier transactions","researcher_record":{"Assigned question/branch":"Q1: earlier transactions","Status and reason":"Partial. No automatic extension of subsection(b)’s date to(a)/(c).","Claim/example links":"C002, C010","Exact missing authority/input and next bounded action":"Cross-enactment/retroactivity authority and original surrounding enactment provisions not fully established; obtain readable official §933 context in a later bounded packet if needed."},"raw_table_index":11,"coordinator_acceptance":"scoped_review_with_explicit_source_legalAPR_actualfact_and_parent_holds","coordinator_review":"[internal evidence reference]"},{"topic":"Q1: consumer/creditor definitions","researcher_record":{"Assigned question/branch":"Q1: consumer/creditor definitions","Status and reason":"Answered generically. Incorporated definitions read.","Claim/example links":"C003–C004","Exact missing authority/input and next bounded action":"Actual actor/purpose status absent; no entity or borrower lookup permitted."},"raw_table_index":11,"coordinator_acceptance":"scoped_review_with_explicit_source_legalAPR_actualfact_and_parent_holds","coordinator_review":"[internal evidence reference]"},{"topic":"Q1: assignees","researcher_record":{"Assigned question/branch":"Q1: assignees","Status and reason":"Answered. Express statutory inclusion.","Claim/example links":"C005","Exact missing authority/input and next bounded action":"No actual assignment or responsible-party determination."},"raw_table_index":11,"coordinator_acceptance":"scoped_review_with_explicit_source_legalAPR_actualfact_and_parent_holds","coordinator_review":"[internal evidence reference]"},{"topic":"Q1: statement contents and five-day period","researcher_record":{"Assigned question/branch":"Q1: statement contents and five-day period","Status and reason":"Answered conditionally. Exact type of statement and triggering request identified.","Claim/example links":"C011; W08","Exact missing authority/input and next bounded action":"No request/receipt facts; day-count/holiday computation held."},"raw_table_index":11,"coordinator_acceptance":"scoped_review_with_explicit_source_legalAPR_actualfact_and_parent_holds","coordinator_review":"[internal evidence reference]"},{"topic":"Q1: written response","researcher_record":{"Assigned question/branch":"Q1: written response","Status and reason":"Answered. Written request requires writing.","Claim/example links":"C012","Exact missing authority/input and next bounded action":"No actual request made."},"raw_table_index":11,"coordinator_acceptance":"scoped_review_with_explicit_source_legalAPR_actualfact_and_parent_holds","coordinator_review":"[internal evidence reference]"},{"topic":"Q1: one free statement/additional fees","researcher_record":{"Assigned question/branch":"Q1: one free statement/additional fees","Status and reason":"Answered conditionally. Annual free entitlement and additional-fee conditions read.","Claim/example links":"C013–C014; W08","Exact missing authority/input and next bounded action":"Reasonableness, actual cost, and other fee restrictions unresolved; no fee amount proposed."},"raw_table_index":11,"coordinator_acceptance":"scoped_review_with_explicit_source_legalAPR_actualfact_and_parent_holds","coordinator_review":"[internal evidence reference]"},{"topic":"Q1: statutory actuarial definition","researcher_record":{"Assigned question/branch":"Q1: statutory actuarial definition","Status and reason":"Answered. Complete operative definition read.","Claim/example links":"C015–C016","Exact missing authority/input and next bounded action":"Definition does not supply every computational input; actual refund calculation held."},"raw_table_index":11,"coordinator_acceptance":"scoped_review_with_explicit_source_legalAPR_actualfact_and_parent_holds","coordinator_review":"[internal evidence reference]"},{"topic":"Q1: implementing authority","researcher_record":{"Assigned question/branch":"Q1: implementing authority","Status and reason":"Partial. No separate general formula established; relevant RegZ incorporation identified.","Claim/example links":"C017","Exact missing authority/input and next bounded action":"A further generic authority packet could examine an identified implementing rule if discovered; absence of a search hit is not “no rule.”"},"raw_table_index":11,"coordinator_acceptance":"scoped_review_with_explicit_source_legalAPR_actualfact_and_parent_holds","coordinator_review":"[internal evidence reference]"},{"topic":"Q1: currentness and amendment notes","researcher_record":{"Assigned question/branch":"Q1: currentness and amendment notes","Status and reason":"Partial with explicit bounds. Current OLRC body and historical official edition compared.","Claim/example links":"C002, C049","Exact missing authority/input and next bounded action":"Comprehensive session-law audit after October15,2026 not performed."},"raw_table_index":11,"coordinator_acceptance":"scoped_review_with_explicit_source_legalAPR_actualfact_and_parent_holds","coordinator_review":"[internal evidence reference]"},{"topic":"Q2: complete §18(k) and relevant commentary","researcher_record":{"Assigned question/branch":"Q2: complete §18(k) and relevant commentary","Status and reason":"Answered at read level. Both paragraphs and all targeted comments read.","Claim/example links":"C021–C032","Exact missing authority/input and next bounded action":"Current eCFR Supplement I full-page retrieval failed; CFPB current commentary remained readable."},"raw_table_index":11,"coordinator_acceptance":"scoped_review_with_explicit_source_legalAPR_actualfact_and_parent_holds","coordinator_review":"[internal evidence reference]"},{"topic":"Q2: periodically computed charge branch","researcher_record":{"Assigned question/branch":"Q2: periodically computed charge branch","Status and reason":"Answered. Penalty statement for all/part early principal payment.","Claim/example links":"C021","Exact missing authority/input and next bounded action":"Actual charge authority and amount remain held."},"raw_table_index":11,"coordinator_acceptance":"scoped_review_with_explicit_source_legalAPR_actualfact_and_parent_holds","coordinator_review":"[internal evidence reference]"},{"topic":"Q2: precomputed/other charge branch","researcher_record":{"Assigned question/branch":"Q2: precomputed/other charge branch","Status and reason":"Answered. Rebate statement; includes incomplete recognition of principal reductions.","Claim/example links":"C022","Exact missing authority/input and next bounded action":"Applicable refund method remains separate."},"raw_table_index":11,"coordinator_acceptance":"scoped_review_with_explicit_source_legalAPR_actualfact_and_parent_holds","coordinator_review":"[internal evidence reference]"},{"topic":"Q2: definitive/positive/involuntary disclosure","researcher_record":{"Assigned question/branch":"Q2: definitive/positive/involuntary disclosure","Status and reason":"Answered. All relevant distinctions read.","Claim/example links":"C023–C024","Exact missing authority/input and next bounded action":"No actual disclosure evaluated."},"raw_table_index":11,"coordinator_acceptance":"scoped_review_with_explicit_source_legalAPR_actualfact_and_parent_holds","coordinator_review":"[internal evidence reference]"},{"topic":"Q2: mixed structures","researcher_record":{"Assigned question/branch":"Q2: mixed structures","Status and reason":"Answered. Both disclosure types can be necessary.","Claim/example links":"C025","Exact missing authority/input and next bounded action":"Each actual component would need classification; none investigated."},"raw_table_index":11,"coordinator_acceptance":"scoped_review_with_explicit_source_legalAPR_actualfact_and_parent_holds","coordinator_review":"[internal evidence reference]"},{"topic":"Q2: prepaid finance charge","researcher_record":{"Assigned question/branch":"Q2: prepaid finance charge","Status and reason":"Answered within §18(k). No automatic penalty/rebate-disclosure consequence from existence alone.","Claim/example links":"C026","Exact missing authority/input and next bounded action":"Substantive refundability of a particular fee remains held."},"raw_table_index":11,"coordinator_acceptance":"scoped_review_with_explicit_source_legalAPR_actualfact_and_parent_holds","coordinator_review":"[internal evidence reference]"},{"topic":"Q2: post-payoff interest/minimum charge","researcher_record":{"Assigned question/branch":"Q2: post-payoff interest/minimum charge","Status and reason":"Answered as classification. Penalty examples identified.","Claim/example links":"C027–C028; W06","Exact missing authority/input and next bounded action":"Applicable permission/prohibition and amount require separate law/terms."},"raw_table_index":11,"coordinator_acceptance":"scoped_review_with_explicit_source_legalAPR_actualfact_and_parent_holds","coordinator_review":"[internal evidence reference]"},{"topic":"Q2: waived and third-party costs","researcher_record":{"Assigned question/branch":"Q2: waived and third-party costs","Status and reason":"Answered conditionally. Specific exception and excess-recapture boundary retained.","Claim/example links":"C029","Exact missing authority/input and next bounded action":"Full covered-transaction and product-law application not established; no universal third-party exception."},"raw_table_index":11,"coordinator_acceptance":"scoped_review_with_explicit_source_legalAPR_actualfact_and_parent_holds","coordinator_review":"[internal evidence reference]"},{"topic":"Q2: fees not labeled penalties","researcher_record":{"Assigned question/branch":"Q2: fees not labeled penalties","Status and reason":"Answered as classification. Identified examples kept separate from legality.","Claim/example links":"C030","Exact missing authority/input and next bounded action":"Actual authority, reasonableness, and other statutory restrictions unresolved."},"raw_table_index":11,"coordinator_acceptance":"scoped_review_with_explicit_source_legalAPR_actualfact_and_parent_holds","coordinator_review":"[internal evidence reference]"},{"topic":"Q2: more favorable state actuarial definition","researcher_record":{"Assigned question/branch":"Q2: more favorable state actuarial definition","Status and reason":"Answered as federal commentary instruction.","Claim/example links":"C031","Exact missing authority/input and next bounded action":"Exact applicable state definition is missing; future published-law packet needed."},"raw_table_index":11,"coordinator_acceptance":"scoped_review_with_explicit_source_legalAPR_actualfact_and_parent_holds","coordinator_review":"[internal evidence reference]"},{"topic":"Q2: disclosure of computation method","researcher_record":{"Assigned question/branch":"Q2: disclosure of computation method","Status and reason":"Answered. Segregated-disclosure placement restriction identified.","Claim/example links":"C032","Exact missing authority/input and next bounded action":"Contract and separately supplied method information remain distinct."},"raw_table_index":11,"coordinator_acceptance":"scoped_review_with_explicit_source_legalAPR_actualfact_and_parent_holds","coordinator_review":"[internal evidence reference]"},{"topic":"Q2: mortgage disclosure routing","researcher_record":{"Assigned question/branch":"Q2: mortgage disclosure routing","Status and reason":"Answered at necessary gateway level. §18/§19 distinction and narrow §3(h) alternative read.","Claim/example links":"C020, C035","Exact missing authority/input and next bounded action":"Full mortgage prepayment, payoff, and substantive penalty rules excluded."},"raw_table_index":11,"coordinator_acceptance":"scoped_review_with_explicit_source_legalAPR_actualfact_and_parent_holds","coordinator_review":"[internal evidence reference]"},{"topic":"Q2: consumer/business, threshold, student gateways","researcher_record":{"Assigned question/branch":"Q2: consumer/business, threshold, student gateways","Status and reason":"Answered/partial. Necessary screens identified without universalization.","Claim/example links":"C018, C034, C036","Exact missing authority/input and next bounded action":"Actual applicability and full product rules remain held."},"raw_table_index":11,"coordinator_acceptance":"scoped_review_with_explicit_source_legalAPR_actualfact_and_parent_holds","coordinator_review":"[internal evidence reference]"},{"topic":"Q3: Rule-of-78 meaning and formula","researcher_record":{"Assigned question/branch":"Q3: Rule-of-78 meaning and formula","Status and reason":"Answered mathematically. Official generic explanation read.","Claim/example links":"C039; W03","Exact missing authority/input and next bounded action":"Off-cycle, unequal-payment, extension, and jurisdiction-specific formulas not established."},"raw_table_index":11,"coordinator_acceptance":"scoped_review_with_explicit_source_legalAPR_actualfact_and_parent_holds","coordinator_review":"[internal evidence reference]"},{"topic":"Q3: actuarial comparison method","researcher_record":{"Assigned question/branch":"Q3: actuarial comparison method","Status and reason":"Answered as a conditional model. Complete relied-on generic explanation and statutory allocation definition read.","Claim/example links":"C015–C016, C040","Exact missing authority/input and next bounded action":"Actual rate, timing, rounding, and governing refund definition absent."},"raw_table_index":11,"coordinator_acceptance":"scoped_review_with_explicit_source_legalAPR_actualfact_and_parent_holds","coordinator_review":"[internal evidence reference]"},{"topic":"Q3: legal refund amount","researcher_record":{"Assigned question/branch":"Q3: legal refund amount","Status and reason":"Unresolved by design. No legally applicable numerical refund selected.","Claim/example links":"C050; W02–W03","Exact missing authority/input and next bounded action":"All transaction/law/contract predicates would be required; current owner limits do not establish an actual agreement."},"raw_table_index":11,"coordinator_acceptance":"scoped_review_with_explicit_source_legalAPR_actualfact_and_parent_holds","coordinator_review":"[internal evidence reference]"},{"topic":"Q3: use of P02 APR method","researcher_record":{"Assigned question/branch":"Q3: use of P02 APR method","Status and reason":"Excluded. No substitution of legacy APR equations.","Claim/example links":"C001, C050","Exact missing authority/input and next bounded action":"P02 current-equation/edition hold preserved."},"raw_table_index":11,"coordinator_acceptance":"scoped_review_with_explicit_source_legalAPR_actualfact_and_parent_holds","coordinator_review":"[internal evidence reference]"},{"topic":"Q4: principal/earned/unearned/gross/credits reconciliation","researcher_record":{"Assigned question/branch":"Q4: principal/earned/unearned/gross/credits reconciliation","Status and reason":"Answered as accounting framework. Both starting-balance routes shown.","Claim/example links":"C037, C046; §6","Exact missing authority/input and next bounded action":"Actual ledger content and legally authorized components absent."},"raw_table_index":11,"coordinator_acceptance":"scoped_review_with_explicit_source_legalAPR_actualfact_and_parent_holds","coordinator_review":"[internal evidence reference]"},{"topic":"Q4: minimum charge/penalty/other costs","researcher_record":{"Assigned question/branch":"Q4: minimum charge/penalty/other costs","Status and reason":"Answered conditionally. Incremental versus total minimum distinguished.","Claim/example links":"C028–C030, C045; W06","Exact missing authority/input and next bounded action":"No actual charge authorized."},"raw_table_index":11,"coordinator_acceptance":"scoped_review_with_explicit_source_legalAPR_actualfact_and_parent_holds","coordinator_review":"[internal evidence reference]"},{"topic":"Q4: receipt/as-of/allocation facts","researcher_record":{"Assigned question/branch":"Q4: receipt/as-of/allocation facts","Status and reason":"Partial. Required facts identified, not assumed.","Claim/example links":"C016, C033; worksheet","Exact missing authority/input and next bounded action":"Complete applicable receipt, day-count, allocation, and accrual authority remains a separate packet."},"raw_table_index":11,"coordinator_acceptance":"scoped_review_with_explicit_source_legalAPR_actualfact_and_parent_holds","coordinator_review":"[internal evidence reference]"},{"topic":"Q4: extra payment/principal application","researcher_record":{"Assigned question/branch":"Q4: extra payment/principal application","Status and reason":"Unresolved legally; modeled conditionally.","Claim/example links":"C033, C044, C047; W01/W04","Exact missing authority/input and next bounded action":"Applicable prepayment permission and allocation clauses missing; future generic blank-form/law analysis only."},"raw_table_index":11,"coordinator_acceptance":"scoped_review_with_explicit_source_legalAPR_actualfact_and_parent_holds","coordinator_review":"[internal evidence reference]"},{"topic":"Q4: recast/due date/maturity","researcher_record":{"Assigned question/branch":"Q4: recast/due date/maturity","Status and reason":"Answered as a limit on inference. No automatic change established.","Claim/example links":"C033, C038","Exact missing authority/input and next bounded action":"Legally effective modification rules and clauses missing."},"raw_table_index":11,"coordinator_acceptance":"scoped_review_with_explicit_source_legalAPR_actualfact_and_parent_holds","coordinator_review":"[internal evidence reference]"},{"topic":"Q4: lien release/discharge","researcher_record":{"Assigned question/branch":"Q4: lien release/discharge","Status and reason":"Unresolved. Mathematical balance is insufficient proof.","Claim/example links":"C038","Exact missing authority/input and next bounded action":"Product/security/release law and legal satisfaction conditions excluded from actual application."},"raw_table_index":11,"coordinator_acceptance":"scoped_review_with_explicit_source_legalAPR_actualfact_and_parent_holds","coordinator_review":"[internal evidence reference]"},{"topic":"Q4: settlement/write-off distinctions","researcher_record":{"Assigned question/branch":"Q4: settlement/write-off distinctions","Status and reason":"Answered only as a trigger boundary. Labels do not establish full prepayment.","Claim/example links":"C008, C038; W07","Exact missing authority/input and next bounded action":"Settlement, discharge, accounting, tax, and credit consequences remain outside this pass."},"raw_table_index":11,"coordinator_acceptance":"scoped_review_with_explicit_source_legalAPR_actualfact_and_parent_holds","coordinator_review":"[internal evidence reference]"},{"topic":"Q5: six-plus worked branches","researcher_record":{"Assigned question/branch":"Q5: six-plus worked branches","Status and reason":"Answered. Eight supplied with assumptions and adverse-error branches.","Claim/example links":"W01–W08","Exact missing authority/input and next bounded action":"Four new arithmetic branches, one reviewed reuse, three qualitative branches; no compliance count substituted."},"raw_table_index":11,"coordinator_acceptance":"scoped_review_with_explicit_source_legalAPR_actualfact_and_parent_holds","coordinator_review":"[internal evidence reference]"},{"topic":"Q5: precision and conservation","researcher_record":{"Assigned question/branch":"Q5: precision and conservation","Status and reason":"Answered for the model. Ending balance, totals, fractions, cash rounding, and cash conservation visible.","Claim/example links":"C041–C046; K01–K31","Exact missing authority/input and next bounded action":"Production-tool validation and real ledger precision remain held."},"raw_table_index":11,"coordinator_acceptance":"scoped_review_with_explicit_source_legalAPR_actualfact_and_parent_holds","coordinator_review":"[internal evidence reference]"},{"topic":"Evidence: failures and source anomaly","researcher_record":{"Assigned question/branch":"Evidence: failures and source anomaly","Status and reason":"Answered. Access failures and inconsistent printed arithmetic logged.","Claim/example links":"C048–C049; log below","Exact missing authority/input and next bounded action":"No failure treated as proof of no law; no silent source repair."},"raw_table_index":11,"coordinator_acceptance":"scoped_review_with_explicit_source_legalAPR_actualfact_and_parent_holds","coordinator_review":"[internal evidence reference]"},{"topic":"Evidence: guidance status","researcher_record":{"Assigned question/branch":"Evidence: guidance status","Status and reason":"Answered within reliance scope. Register freshly checked; no substantive circular/bulletin/advisory used.","Claim/example links":"S012; C049","Exact missing authority/input and next bounded action":"No need to treat withdrawn guidance as controlling law."},"raw_table_index":11,"coordinator_acceptance":"scoped_review_with_explicit_source_legalAPR_actualfact_and_parent_holds","coordinator_review":"[internal evidence reference]"},{"topic":"Parent/acceptance boundaries","researcher_record":{"Assigned question/branch":"Parent/acceptance boundaries","Status and reason":"Excluded/held as assigned.","Claim/example links":"C050; §11 below","Exact missing authority/input and next bounded action":"Separate research packets required; no acceptance granted."},"raw_table_index":11,"coordinator_acceptance":"scoped_review_with_explicit_source_legalAPR_actualfact_and_parent_holds","coordinator_review":"[internal evidence reference]"}],"annotations":{"at":"2026-10-27T22:11:18.873373+00:00","review":"[internal evidence reference]","disposition":"accepted_with_limits_conditional_federal_prepayment_refund_disclosure_and_stipulated_math","first_scoped_review_complete":true,"raw_originals_unchanged":true,"independent_review":false,"material_correction_required":false,"whole_text_and_all_tables_reviewed":true,"no_component_or_parent_acceptance":true,"current_legal_APR_held":true,"source_currentness_history_and_actual_facts_held":true},"corrections":[],"resolved_corrections":[],"review_history":[{"id":"R004-P03-currentness-raw-enactment-legalAPR-and-application-holds-20261027","status":"bounded_framework_and_stipulated_math_reviewed_all_other_holds_retained","at":"2026-10-27T22:11:18.873373+00:00"}]}