{"meta":{"key":"r005--pass-01","task":"R005","title":"First focused A005 component: federal credit-card changes, notice, rejection, and existing balances","parent_title":"Loan agreements and account terms","edition":"pass-01","path":"/research/r005--pass-01/","kind":"split_pass","category":"subject","role":"primary_area","area_numbers":[5],"groups":["foundations"],"date":"2026-10-27","tables":14,"claims":90,"sources":24,"review_status":"revise_three_bounded_atomic_clause_modal_corrections_UNSENT_with_retained_holds","review_complete":true,"sha256":"4d1f233ec2acb32e98a77a51d80ecb095da2d2c9c681908647dd8b86df45dc38","headings":["First focused A005 component: federal credit-card changes, notice, rejection, and existing balances","Check date, method, and limits","1. Source register","1A. Operative and explanatory sources","1B. Failed retrievals and discovery-only limits","2. Atomic claim table","2A. Necessary coverage and the basic notice branches","2B. Notice exceptions, required contents, and timing","2C. Statutory limits and all § 1026.55 exception branches","2D. Continuing balances, repayment, first-year overlay, and rejection","2E. Section 1026.56 intersection and audit limits","3. Timing and delivery matrix","4. Blank generic document-audit worksheet","5. Clearly hypothetical qualitative failure branches","6. Granular coverage table","7. Read and failure log","8. Question → claim/source crosswalk","9. Self-check — not independent review","Specific parent holds retained"],"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":"R005/pass-01","facets":{"geography":["us","us-federal"],"debt_type":["credit_cards"],"stage":[],"subject":[]},"scope":"SettleADebt R005 PASS-01 — FIRST FOCUSED A005 COMPONENT: US FEDERAL CREDIT-CARD CHANGE-IN-TERMS NOTICE, RATE-INCREASE AUTHORITY, REJECTION AND EXISTING-BALANCE LIMITS. No actualaccountinvestigation. Focus how lawconditions a change rather than assuming everycontractterm is lawful or everynotice grantspermission.","pending_corrections":3},"markdown":"# SettleADebt R005 PASS-01\n\n## First focused A005 component: federal credit-card changes, notice, rejection, and existing balances\n\n**The central finding is that a change notice is not independent permission to impose the change.** For a covered credit-card account, the analysis must separately establish the applicable notice rule, an available substantive exception under § 1026.55, the transactions and balances that exception reaches, and any rejection or repayment restrictions. A contract’s reservation of a right to change terms does not satisfy those separate requirements. Official commentary expressly preserves questions governed by state or other applicable law. **[C001, C015, C039–C065]** [Consumer Financial Protection Bureau+1](https://www.consumerfinance.gov/rules-policy/regulations/1026/9/?utm_source=chatgpt.com)\n\n**An ordinary advance-notice increase generally cannot reach transactions occurring before or within 14 days after provision of the notice.** Transactions outside that protected cohort do not become subject to the increased rate before the applicable notice period expires. Other exceptions—such as a qualifying variable-index movement, disclosed temporary-rate expiration, qualifying delinquency, or workout termination—have their own conditions and may reach existing balances. There is consequently no universal “old balance keeps its original rate forever” rule. **[C040–C060]** [ecfr.gov+2](https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-G/section-1026.55?utm_source=chatgpt.com)\n\n**The regulatory rejection right is narrower than a general right to reject any rate increase.** Section 1026.9(h) generally covers specified significant non-APR changes; APR changes are expressly excluded from that branch. A valid rejection prevents the covered change and prohibits certain consequences, but may lead to closure or suspension, does not cancel the balance, and does not necessarily stop previously applicable lawful charges. **[C068–C076]** [Consumer Financial Protection Bureau+1](https://www.consumerfinance.gov/rules-policy/regulations/1026/9/?utm_source=chatgpt.com)\n\n### Check date, method, and limits\n\n- **Actual public-primary-source check:** October 27, 2026, **America/Los_Angeles**. The clock check was **14:23:57 PDT / 21:23:57 UTC**; the final pinpoint checks were on the same date.\n- This investigation used public statutory text, regulations, official interpretations, published rulemaking documents, official models, and one materially relevant published majority opinion. It did not investigate an account, person, lender, license, entity record, property, case record, or docket status.\n- All substantive sources were freshly read for this assignment. No R002, R003, R004, prior report, or unseen chat supplied the foundation. No subagents, local deliverables, browser control, contacts, account changes, filings, or publication were used.\n- No claim is made about an unseen UI model selector.\n- **Currentness is bounded:** the retrieved eCFR pages displayed Title 12 current through **October 23, 2026**. The successful House statutory pages carried compilation labels through **October 7 or October 15, 2026**, as specified below. Those labels are not a complete October 27 session-law-lag audit or an audit of an official annual CFR edition. [ecfr.gov+2](https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-G/section-1026.55?utm_source=chatgpt.com)\n\n## 1. Source register\n\n**Conventions.** Every check date below is **2026-10-27 PDT**. “HTML” means there is no printed page or PDF index for the version read. A PDF index is **zero-based**. PDF text extraction is not visual inspection: **no usable PDF or model-image pixels were inspected**. Same-document sections and alternate presentations are grouped; they are not counted as independent corroboration.\n\n**Source levels:** **Statute**; **Regulation**; **OI** = codified official interpretation in Supplement I; **Preamble** = agency explanation accompanying a rule; **Opinion** = published judicial majority. “Fresh” includes rereads within this pass, not reuse of an earlier investigation.\n\n### 1A. Operative and explanatory sources\n\n| Source ID | Issuer, title, and complete literal HTTPS URL(s) | Exact clauses and actual read bounds; printed page / PDF index | Version, effective predicate, and currentness limits | Check / jurisdiction / outcome |\n| --- | --- | --- | --- | --- |\n| **R005-P1-S001** | U.S. House, Office of the Law Revision Counsel, **15 U.S.C. §§ 1602, 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) | Necessary § 1602 actor, consumer, credit, open-end, card, and issuer provisions; § 1603 operative exemptions and relevant notes. HTML. Unrelated mortgage definitions were not a substantive foundation. | Pages stated laws through **P.L. 119-124, October 15, 2026**. Compilation currency is not proof that every later enactment was checked. | 2026-10-27 / US federal / Fresh body read. [uscode.house.gov+1](https://uscode.house.gov/us/usc/119-124/t15/s1602/?utm_source=chatgpt.com) |\n| **R005-P1-S002** | House OLRC, **15 U.S.C. §§ 1666i-1, 1666i-2**. [https://uscode.house.gov/us/usc/119-118/t15/s1666i-1/](https://uscode.house.gov/us/usc/119-118/t15/s1666i-1/?utm_source=chatgpt.com) ; [https://uscode.house.gov/us/usc/119-118/t15/s1666i-2/](https://uscode.house.gov/us/usc/119-118/t15/s1666i-2/?utm_source=chatgpt.com) | **Complete operative § 1666i-1(a)–(d), § 1666i-2(a)–(b)** and displayed source/effective-date notes. HTML. | Although URLs contain 119-118, retrieved bodies stated laws through **P.L. 119-120, October 7, 2026**. Added May 22, 2009; relevant statutory effective-date note uses nine months after enactment. No complete later-session-law audit. | 2026-10-27 / US federal / Fresh complete relevant body read; recovered after other endpoints failed. [uscode.house.gov+1](https://uscode.house.gov/us/usc/119-118/t15/s1666i-1/?utm_source=chatgpt.com) |\n| **R005-P1-S003** | House OLRC, **15 U.S.C. § 1637**. [https://uscode.house.gov/us/usc/119-124/t15/s1637/](https://uscode.house.gov/us/usc/119-124/t15/s1637/?utm_source=chatgpt.com) | Complete relevant **(i)** notice/cancellation, **(k)** over-limit election, **(n)** first-year-fee restriction; relevant **(o)** payment-date text also read. HTML. Not a read of every unrelated subsection. | Body stated laws through **P.L. 119-124, October 15, 2026**. Historical staged implementation checked against S012. | 2026-10-27 / US federal / Fresh bounded body read. [uscode.house.gov+1](https://uscode.house.gov/us/usc/119-124/t15/s1637/?utm_source=chatgpt.com) |\n| **R005-P1-S004** | CFPB, **Regulation Z §§ 1026.1, .2, .3 and OI**. [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) | § 1(c); § 2(a)(6)–(8), (11), (12), (14), (15), necessary (17), (20), with relevant OI; § 3(a), (b) and relevant business/open-end exemption comments. HTML. | CFPB “current regulation” presentation. § 3(b) comment includes **2026 threshold $73,400**. This is a coverage gateway, not an exhaustive excluded-product study. § 2(a)(28)’s amended benchmark definition was also read in S014. | 2026-10-27 / US federal / Fresh relevant body and OI read. [Consumer Financial Protection Bureau+2](https://www.consumerfinance.gov/rules-policy/regulations/1026/2/?utm_source=chatgpt.com) |\n| **R005-P1-S005** | CFPB, **§§ 1026.5, .6 and OI**. [https://www.consumerfinance.gov/rules-policy/regulations/1026/5/](https://www.consumerfinance.gov/rules-policy/regulations/1026/5/?utm_source=chatgpt.com) ; [https://www.consumerfinance.gov/rules-policy/regulations/1026/6/](https://www.consumerfinance.gov/rules-policy/regulations/1026/6/?utm_source=chatgpt.com) | § 5(a), relevant (c), (d); § 6(b)(1), relevant (b)(2) categories, (b)(3)(i)–(ii), (b)(4), with necessary OI. HTML. No full finance-charge or fee-classification investigation. | CFPB current-labelled presentation. Used for notice form, disclosure cross-references, and the three § 55 fee groups; actual e-sign compliance held. | 2026-10-27 / US federal / Fresh bounded read. [Consumer Financial Protection Bureau+2](https://www.consumerfinance.gov/rules-policy/regulations/1026/5/?utm_source=chatgpt.com) |\n| **R005-P1-S006** | CFPB and OFR/GPO eCFR, **§ 1026.9, Subsequent disclosure requirements**. [https://www.consumerfinance.gov/rules-policy/regulations/1026/9/](https://www.consumerfinance.gov/rules-policy/regulations/1026/9/?utm_source=chatgpt.com) ; [https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-B/section-1026.9](https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-B/section-1026.9?utm_source=chatgpt.com) | **Complete relevant (b)(1)–(3), (c)(2), (g), (h)** and inline OI; operative core cross-checked in eCFR. CFPB body read bounds included lines 80–141, 209–382, 473–593. HTML. LIBOR OI amendment reconciled with S014. | eCFR displayed Title 12 through **10/23/2026**. Source note includes 76 FR 79772 and 86 FR 69781. The workout cross-reference inconsistency remains flagged in C021. | 2026-10-27 / US federal / Fresh complete assigned branches; alternate presentations are one regulatory source family. [Consumer Financial Protection Bureau+3](https://www.consumerfinance.gov/rules-policy/regulations/1026/9/?utm_source=chatgpt.com) |\n| **R005-P1-S007** | CFPB and eCFR, **§ 1026.55, Limitations on increasing APRs, fees, and charges**. [https://www.consumerfinance.gov/rules-policy/regulations/1026/55/](https://www.consumerfinance.gov/rules-policy/regulations/1026/55/?utm_source=chatgpt.com) ; [https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-G/section-1026.55](https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-G/section-1026.55?utm_source=chatgpt.com) | **Complete operative (a)–(e), every (b)(1)–(7) exception, and relevant inline OI**, including repayment, closure/transfer, and promotional-waiver comments. HTML. Older displayed LIBOR comments were checked against S014’s amended text. | eCFR through **10/23/2026**; section source note: **76 FR 79772; 86 FR 69782; 88 FR 30622**. Title-level amendment date is not this section’s amendment date. | 2026-10-27 / US federal / Fresh body read; identified and reconciled an OI version mismatch. [ecfr.gov+3](https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-G/section-1026.55?utm_source=chatgpt.com) |\n| **R005-P1-S008** | CFPB and eCFR, **§ 1026.56, Requirements for over-the-limit transactions**. [https://www.consumerfinance.gov/rules-policy/regulations/1026/56/](https://www.consumerfinance.gov/rules-policy/regulations/1026/56/?utm_source=chatgpt.com) ; [https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-G/section-1026.56](https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-G/section-1026.56?utm_source=chatgpt.com) | **Complete (a)–(j) and inline OI**, CFPB substantive lines 56–198; operative eCFR text cross-checked. HTML. | eCFR Title 12 through **10/23/2026**. This pass does not determine permissible penalty-fee dollar amounts under § 52(b). | 2026-10-27 / US federal / Fresh complete read. [Consumer Financial Protection Bureau+2](https://www.consumerfinance.gov/rules-policy/regulations/1026/56/?utm_source=chatgpt.com) |\n| **R005-P1-S009** | CFPB, **§ 1026.10, Payments**. [https://www.consumerfinance.gov/rules-policy/regulations/1026/10/](https://www.consumerfinance.gov/rules-policy/regulations/1026/10/?utm_source=chatgpt.com) | Necessary **(a)–(d)** and payment-receipt, conforming-payment, cutoff, and nonacceptance-day OI. HTML, substantive read principally lines 56–127. | Current-labelled presentation; used only to avoid equating mailing, posting, and receipt when evaluating a delinquency predicate. | 2026-10-27 / US federal / Fresh bounded read. [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/rules-policy/regulations/1026/10/?utm_source=chatgpt.com) |\n| **R005-P1-S010** | CFPB, **§ 1026.52(a), First-year fee limitations, and OI**. [https://www.consumerfinance.gov/rules-policy/regulations/1026/52/](https://www.consumerfinance.gov/rules-policy/regulations/1026/52/?utm_source=chatgpt.com) | Complete necessary **(a)** and OI, including comment **52(a)(1)-4** opening-date methods. HTML, relevant lines 56–138. | Current-labelled presentation. **§ 52(b) penalty-fee amounts, reasonableness, and associated litigation were not investigated.** | 2026-10-27 / US federal / Fresh bounded read. [Consumer Financial Protection Bureau+1](https://www.consumerfinance.gov/rules-policy/regulations/1026/52/?utm_source=chatgpt.com) |\n| **R005-P1-S011** | CFPB, **§ 1026.59, Reevaluation of rate increases**. [https://www.consumerfinance.gov/rules-policy/regulations/1026/59/](https://www.consumerfinance.gov/rules-policy/regulations/1026/59/?utm_source=chatgpt.com) | Operative **(a)–(h)** and necessary OI read; used for the narrow distinction between review and § 55(b)(4) restoration. Updated LIBOR-related OI checked in S014. HTML. | Current-labelled presentation; covered historical increases are those specified in the rule, including its **January 1, 2009** predicate. No individualized underwriting or creditworthiness assessment. | 2026-10-27 / US federal / Fresh bounded substantive use. [Consumer Financial Protection Bureau+1](https://www.consumerfinance.gov/rules-policy/regulations/1026/59/?utm_source=chatgpt.com) |\n| **R005-P1-S012** | Federal Reserve Board, **Truth in Lending**, 75 FR 7658, February 22, 2010, final rule. [https://www.federalregister.gov/documents/2010/02/22/2010-624/truth-in-lending](https://www.federalregister.gov/documents/2010/02/22/2010-624/truth-in-lending?utm_source=chatgpt.com) ; [https://www.govinfo.gov/content/pkg/FR-2010-02-22/pdf/2010-624.pdf](https://www.govinfo.gov/content/pkg/FR-2010-02-22/pdf/2010-624.pdf?utm_source=chatgpt.com) | Dates and staged implementation; **§ 9(h) preamble explaining APR rejection**, especially printed **p. 7706 / PDF index 48**; opening dates **p. 7658 / index 0**. Relevant HTML preamble also read. Full PDF is 268 pages, **7658–7925**; not all read. | **Historical predecessor final rule**, generally effective **February 22, 2010**; specified formatting compliance **July 1, 2010**. Notice statute’s earlier **August 20, 2009** stage distinguished. Used as explanation, not as a substitute for current § 1026 text. | 2026-10-27 / US federal / Fresh selected preamble and dates. [govinfo.gov+1](https://www.govinfo.gov/content/pkg/FR-2010-02-22/pdf/2010-624.pdf?utm_source=chatgpt.com) |\n| **R005-P1-S013** | CFPB, **Facilitating the LIBOR Transition (Regulation Z)**, 86 FR 69716, December 8, 2021, final rule. [https://www.federalregister.gov/documents/2021/12/08/2021-25825/facilitating-the-libor-transition-regulation-z](https://www.federalregister.gov/documents/2021/12/08/2021-25825/facilitating-the-libor-transition-regulation-z) ; [https://www.govinfo.gov/content/pkg/FR-2021-12-08/pdf/2021-25825.pdf](https://www.govinfo.gov/content/pkg/FR-2021-12-08/pdf/2021-25825.pdf?utm_source=chatgpt.com) | Dates **p. 69716 / index 0**; selected transition/contract discussion **pp. 69757–69758 / indices 41–42**; relevant current operative amendments checked through S006–S007. PDF is 85 pages, **69716–69800**; not all read. | Relevant provisions effective **April 1, 2022**; mandatory reduced-margin change-notice treatment **October 1, 2022**. Certain original LIBOR language subsequently amended by S014. Unrelated later Appendix H date not applied to cards. | 2026-10-27 / US federal / Fresh selected final-rule text. [govinfo.gov+1](https://www.govinfo.gov/content/pkg/FR-2021-12-08/pdf/2021-25825.pdf?utm_source=chatgpt.com) |\n| **R005-P1-S014** | CFPB, **Facilitating the LIBOR Transition Consistent With the LIBOR Act (Regulation Z)**, 88 FR 30598, May 11, 2023. [https://www.federalregister.gov/documents/2023/05/11/2023-09129/facilitating-the-libor-transition-consistent-with-the-libor-act-regulation-z](https://www.federalregister.gov/documents/2023/05/11/2023-09129/facilitating-the-libor-transition-consistent-with-the-libor-act-regulation-z?utm_source=chatgpt.com) ; [https://www.govinfo.gov/content/pkg/FR-2023-05-11/pdf/2023-09129.pdf](https://www.govinfo.gov/content/pkg/FR-2023-05-11/pdf/2023-09129.pdf?utm_source=chatgpt.com) | Dates **p. 30598 / index 0**; amended §§ 2(a)(28), 55(b)(7)(ii), **pp. 30622–30623 / indices 24–25**; amended OI **9(c)(2)(iv), pp. 30623–30624 / indices 25–26**; complete relevant **55(b)(7) OI, pp. 30628–30630 / indices 30–32**, read through published HTML/XML; selected PDF text directly read. Necessary § 59(f) update also read. | **Interim final rule effective May 15, 2023**—not merely a proposal because comments were invited. Full PDF 35 pages, **30598–30632**; not all read. Governs the updated four-tenor benchmark discussion used here. | 2026-10-27 / US federal / Fresh amended operative text and OI; example inconsistency preserved. [federalregister.gov+2](https://www.federalregister.gov/documents/2023/05/11/2023-09129/facilitating-the-libor-transition-consistent-with-the-libor-act-regulation-z?utm_source=chatgpt.com) |\n| **R005-P1-S015** | CFPB, **Appendix G—Open-End Model Forms and Clauses**. [https://www.consumerfinance.gov/rules-policy/regulations/1026/g/](https://www.consumerfinance.gov/rules-policy/regulations/1026/g/) ; G-20 image [https://files.consumerfinance.gov/eregulations/ER22DE11.031-2.png](https://files.consumerfinance.gov/eregulations/ER22DE11.031-2.png) ; G-21 [https://files.consumerfinance.gov/eregulations/ER22DE11.032-1.png](https://files.consumerfinance.gov/eregulations/ER22DE11.032-1.png) ; G-22 [https://files.consumerfinance.gov/eregulations/ER22DE11.032-2.png](https://files.consumerfinance.gov/eregulations/ER22DE11.032-2.png) ; G-23 [https://files.consumerfinance.gov/eregulations/ER22DE11.032-3.png](https://files.consumerfinance.gov/eregulations/ER22DE11.032-3.png) | G-20–G-23 headings and their descriptions in § 9 OI; **G-25(A)/(B) textual clauses** read. HTML. Model-image retrieval produced placeholders; direct G-20 image access also failed. **Full image layout/body not visually inspected.** | Official models, not real agreements. Their sample fee figures are not treated as current legal caps. Worksheet below is an analytical worksheet, not a government form or claimed safe harbor. | 2026-10-27 / US federal / Fresh textual read; image-inspection limitation. [Consumer Financial Protection Bureau+1](https://www.consumerfinance.gov/rules-policy/regulations/1026/G/?utm_source=chatgpt.com) |\n| **R005-P1-S016** | U.S. Court of Appeals for the Ninth Circuit, **Milliken v. Bank of America, N.A.**, published majority, December 29, 2025. [https://cdn.ca9.uscourts.gov/datastore/opinions/2025/12/29/24-4498.pdf](https://cdn.ca9.uscourts.gov/datastore/opinions/2025/12/29/24-4498.pdf?utm_source=chatgpt.com) | **Entire majority, printed pp. 4–13 / indices 3–12**, plus cover p. 1 / index 0, read as extracted text. Staff summary pp. 2–3 was not the holding foundation. Relevant analysis **pp. 7–12 / indices 6–11**; disposition **p. 13 / index 12**. | Appeal from Rule 12(b)(6) dismissal; majority **affirmed**. Used only for the variable-index/cycle question. **Later history not checked; no docket-status query.** No claim of nationwide finality or absence of negative history. | 2026-10-27 / Ninth Circuit federal / Fresh published majority read, no case-record investigation. [cdn.ca9.uscourts.gov](https://cdn.ca9.uscourts.gov/datastore/opinions/2025/12/29/24-4498.pdf?utm_source=chatgpt.com) |\n| **R005-P1-S017** | GPO GovInfo, statutory fallback presentations. [https://www.govinfo.gov/link/uscode/15/1666i-1](https://www.govinfo.gov/link/uscode/15/1666i-1?utm_source=chatgpt.com) ; [https://www.govinfo.gov/link/uscode/15/1637](https://www.govinfo.gov/link/uscode/15/1637?utm_source=chatgpt.com) ; [https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap41-subchapI-partD-sec1666i-1.htm](https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap41-subchapI-partD-sec1666i-1.htm?utm_source=chatgpt.com) | First PDF: complete relevant §§ 1666i-1 and adjacent 1666i-2, **pp. 1544–1545 / indices 0–1**. § 1637 PDF: relevant **(i), (k), (n), (o), pp. 1487–1488 / indices 7–8** of 13 pages, not whole document. 2024 HTML § 1666i-1 complete. | Dynamic-link PDFs did not expose a sufficiently verified edition in the retrieved metadata. Explicit **2024 edition** is historical. Later successful House bodies in S002–S003 supplied the better currency labels. | 2026-10-27 / US federal / Fresh fallback reads; not independent corroboration of the same statute. [govinfo.gov+2](https://www.govinfo.gov/link/uscode/15/1666i-1?utm_source=chatgpt.com) |\n| **R005-P1-S024** | GPO, **50 U.S.C. § 3937**, 2024 edition; failed newer House route. [https://www.govinfo.gov/content/pkg/USCODE-2024-title50/html/USCODE-2024-title50-chap50-subchapII-sec3937.htm](https://www.govinfo.gov/content/pkg/USCODE-2024-title50/html/USCODE-2024-title50-chap50-subchapII-sec3937.htm?utm_source=chatgpt.com) ; [https://uscode.house.gov/us/usc/119-124/t50/s3937/](https://uscode.house.gov/us/usc/119-124/t50/s3937/) | GPO operative (a)–(e) and notes read; used here **only for the codification note identifying former 50 U.S.C. app. § 527 as § 3937**. HTML. | Historical **2024 edition**. House route inaccessible. **No 2026 SCRA eligibility, service-status, remedies, or full amendment audit.** | 2026-10-27 / US federal / Fresh codification read; newer-body failure preserved. |\n\n### 1B. Failed retrievals and discovery-only limits\n\nThese are retrieval outcomes, **not evidence that a rule is absent**.\n\n| Source ID | Official target and complete literal HTTPS URL(s) | Actual result / read bounds | Version and consequence | Check / jurisdiction |\n| --- | --- | --- | --- | --- |\n| **R005-P1-S018** | House preliminary endpoints: [https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section1666i-1&num=0&edition=prelim](https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section1666i-1&num=0&edition=prelim) ; [https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section1666i-2&num=0&edition=prelim](https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section1666i-2&num=0&edition=prelim&utm_source=chatgpt.com) ; [https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section1637&num=0&edition=prelim](https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section1637&num=0&edition=prelim) | Respectively server error, maintenance response, and not-found response. No operative body established through those attempts. HTML; pages N/A. | Recovered relevant bodies through S002–S003. Preliminary endpoint labels did not establish a current edition. | 2026-10-27 / US federal / Failure. |\n| **R005-P1-S019** | Alternate House queries: [https://uscode.house.gov/view.xhtml?req=%28title%3A15+section%3A1666i-2+edition%3Aprelim%29](https://uscode.house.gov/view.xhtml?req=(title:15+section:1666i-2+edition:prelim)&utm_source=chatgpt.com) ; [https://uscode.house.gov/view.xhtml?req=%28title%3A15+section%3A1666i-1+edition%3Aprelim%29](https://uscode.house.gov/view.xhtml?req=(title:15+section:1666i-1+edition:prelim)&utm_source=chatgpt.com) ; [https://uscode.house.gov/view.xhtml?req=(title:15%20section:1637%20edition:prelim)](https://uscode.house.gov/view.xhtml?req=(title:15%20section:1637%20edition:prelim)) | Server-error responses; no usable statutory body from these routes. | Search-index snippets were discovery only. Successful body reads, not snippets, support the report. | 2026-10-27 / US federal / Failure. |\n| **R005-P1-S020** | Other House routes: [https://uscode.house.gov/us/usc/119-124/t15/s1666i-1/](https://uscode.house.gov/us/usc/119-124/t15/s1666i-1/) ; [https://uscode.house.gov/us/usc/119-124/t15/s1666i-2/](https://uscode.house.gov/us/usc/119-124/t15/s1666i-2/) ; [https://uscode.house.gov/us/usc/t15/s1666i-1/](https://uscode.house.gov/us/usc/t15/s1666i-1/) ; [https://uscode.house.gov/us/usc/t15/s1666i-2/](https://uscode.house.gov/us/usc/t15/s1666i-2/) ; [https://uscode.house.gov/us/usc/119-134/t15/s1666i-1/](https://uscode.house.gov/us/usc/119-134/t15/s1666i-1/) ; [https://uscode.house.gov/us/usc/119-134/t15/s1666i-2/](https://uscode.house.gov/us/usc/119-134/t15/s1666i-2/) | Inaccessible through the public retrieval tool. No body read from these endpoints. | S002’s successful bodies remain bounded by their displayed compilation date. A newer-looking URL is not proof of newer text. | 2026-10-27 / US federal / Failure. |\n| **R005-P1-S021** | House alternate host/chapter route: [https://uscodeweb1.house.gov/view.xhtml?edition=prelim&req=granuleid%3AUSC-prelim-title15-chapter41-subchapter1&saved=%7CZ3JhbnVsZWlkOlVTQy1wcmVsaW0tdGl0bGUxNS1zZWN0aW9uMTYwMg%3D%3D%7C%7C%7C0%7Cfalse%7Cprelim](https://uscodeweb1.house.gov/view.xhtml?edition=prelim&req=granuleid:USC-prelim-title15-chapter41-subchapter1&saved=\\|Z3JhbnVsZWlkOlVTQy1wcmVsaW0tdGl0bGUxNS1zZWN0aW9uMTYwMg==\\|\\|\\|0\\|false\\|prelim&utm_source=chatgpt.com) | Timeout; no usable chapter-body read. | Individual successful statutory sections used instead. | 2026-10-27 / US federal / Failure. |\n| **R005-P1-S022** | GovInfo failed routes: [https://www.govinfo.gov/link/uscode/15/1666i-2](https://www.govinfo.gov/link/uscode/15/1666i-2) ; [https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap41-subchapI-partD-sec1666i-2.htm](https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap41-subchapI-partD-sec1666i-2.htm) ; [https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap41-subchapI-partB-sec1637.htm](https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap41-subchapI-partB-sec1637.htm) | Inaccessible. § 1666i-2 recovered in adjacent PDF text and later House body; § 1637 recovered separately. | Failed historical routes do not negate the operative provisions. | 2026-10-27 / US federal / Failure. |\n| **R005-P1-S023** | eCFR, complete 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) | Retrieval rejected as content too large, exceeding the tool’s approximately 4 MB response limit. **No complete Supplement I body read from this route.** | Relevant OI read on CFPB section pages and reconciled with S014. No claim to have read all Regulation Z commentary. | 2026-10-27 / US federal / Failure, bounded alternative reads. |\n\n## 2. Atomic claim table\n\n**Status key:** **L** = operative statute/regulation as retrieved; **OI** = official interpretation; **P** = preamble explanation; **J** = published majority holding; **I** = reasoned application or audit inference; **U** = unresolved fact or source-status limit. “L” does not erase the source-currentness limits above.\n\n### 2A. Necessary coverage and the basic notice branches\n\n| Claim ID / area | Precise claim | Trigger, conditions, and exceptions | Source pinpoint | Status / limits |\n| --- | --- | --- | --- | --- |\n| **R005-P1-C001 — Separate legal gates** | Notice compliance and substantive authority are distinct. A notice cannot itself establish permission to increase a rate on a particular balance. | Establish coverage, applicable § 9 notice, applicable § 55 exception, affected cohort, and remaining contract/other-law constraints separately. | S006, OI 9(c)(2)-1, -2 and 9(g)-1; S007, § 55(a), (b). [Consumer Financial Protection Bureau+2](https://www.consumerfinance.gov/rules-policy/regulations/1026/9/?utm_source=chatgpt.com) | L/OI; actual contract legality held. |\n| **R005-P1-C002 — Actors** | “Creditor” and “card issuer” are legal coverage concepts, not merely labels on a notice. | General creditor rules include regular extension and the initial-payee test; card-specific tests also exist. A card issuer includes its relevant agent, but ordinary processing services alone do not establish agency. | S001, § 1602; S004, §§ 1(c), 2(a)(7), (17), relevant OI. [uscode.house.gov+2](https://uscode.house.gov/us/usc/119-124/t15/s1602/?utm_source=chatgpt.com) | L/OI; no entity or agency determination. |\n| **R005-P1-C003 — Consumer/open-end gateway** | The ordinary target is consumer credit, primarily for personal, family, or household purposes, under an open-end plan. | Necessary open-end features include reasonably contemplated repeated transactions and replenishing credit; the regulation’s card-specific rules must also be considered. | S001, § 1602; S004, § 2(a)(11), (12), (20), OI. [Consumer Financial Protection Bureau+1](https://www.consumerfinance.gov/rules-policy/regulations/1026/2/?utm_source=chatgpt.com) | L/OI; no general debt taxonomy or APR-definition rerun. |\n| **R005-P1-C004 — Defined CARD Act account** | The defined “credit card account under an open-end (not home-secured) consumer credit plan” is narrower than every credit device. | § 2(a)(15)(ii) excludes § 40 home-equity plans, debit-card-accessed overdraft lines, and specified account-number-accessed overdraft lines. The last exclusion has a covered hybrid prepaid-credit exception. | S004, § 2(a)(15)(i)–(iv), OI 2(a)(15)-4. [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/rules-policy/regulations/1026/2/?utm_source=chatgpt.com) | L/OI; hybrid/prepaid classification not independently investigated beyond this gateway. |\n| **R005-P1-C005 — Business cards** | A business-purpose card does not acquire these consumer protections merely because some purchases are personal. | Conversely, occasional business use does not by itself convert a consumer-purpose card into exempt business credit. Limited issuance/unauthorized-use provisions can apply more broadly, but do not import §§ 9, 55, 56 wholesale. | S001, § 1603(1); S004, § 3(a), OI 3(a)-2 and 2(a)(8)-4. [uscode.house.gov+2](https://uscode.house.gov/us/usc/119-124/t15/s1603/?utm_source=chatgpt.com) | L/OI; unknown purpose remains unknown. |\n| **R005-P1-C006 — Charge cards** | Charge cards generally fall within references to credit cards and the defined consumer card account in subparts B and G. | A charge card has no periodic rate used to compute a finance charge. That does not categorically remove fee-change or over-limit rules; expressly differentiated provisions remain differentiated. | S004, § 2(a)(15)(iii), OI 2(a)(15)-3. [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/rules-policy/regulations/1026/2/?utm_source=chatgpt.com) | L/OI; no assumption that every APR rule has a factual application to a no-periodic-rate product. |\n| **R005-P1-C007 — Dollar-amount exclusion** | The general large-credit exemption can be a necessary coverage issue. | The retrieved 2026 threshold is **$73,400**. Open-end treatment depends on the applicable initial extension or qualifying firm written commitment and the rule’s conditions; a later balance alone is not the test. | S004, § 3(b)(1)–(2), OI 3(b)-3, -4. [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/rules-policy/regulations/1026/3/?utm_source=chatgpt.com) | L/OI; opening date, applicable year, commitment, and exclusions unknown. No amount calculation. |\n| **R005-P1-C008 — Different scopes** | §§ 9(c)(2) and 9(g) govern non-§ 40 open-end plans more broadly; §§ 55, 56 and the specific § 9(h) rejection branch use the narrower defined card-account scope. | A product may require a change notice without receiving every § 55 or § 56 protection. | S006, §§ 9(c)(2)(i), (g)(1), (h); S007–S008 scope clauses. [Consumer Financial Protection Bureau+2](https://www.consumerfinance.gov/rules-policy/regulations/1026/9/?utm_source=chatgpt.com) | L; product classification must precede application. |\n| **R005-P1-C009 — Notice form and recipients** | Required written notices generally must be clear, conspicuous, and retainable; applicable electronic-delivery requirements remain separate. | § 5(a) supplies the general form rule, subject to stated exceptions. § 5(d) addresses multiple consumers/creditors and permits specified single-recipient delivery; “each affected consumer” is read with that rule. | S005, § 5(a), (d); S006, OI 9(g)-2. [Consumer Financial Protection Bureau+1](https://www.consumerfinance.gov/rules-policy/regulations/1026/5/?utm_source=chatgpt.com) | L/OI; actual consent, e-sign, address, recipient, and delivery validity held. |\n| **R005-P1-C010 — Significant change** | “Significant” is defined by specified disclosure categories, not a subjective assessment of importance. | Changes to § 6(b)(1)/(2) terms, an increase in the required minimum periodic payment, a § 6(b)(4) term change, or acquisition of a security interest qualify. | S006, § 9(c)(2)(ii); S005, § 6(b). [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/rules-policy/regulations/1026/9/?utm_source=chatgpt.com) | L; fee classification must be established, not assumed. |\n| **R005-P1-C011 — Ordinary 45-day notice** | A significant change ordinarily requires written notice at least **45 days before its effective date**. | Express exceptions are in (i)(B), (iii), and (v). An existing contractual penalty triggered without changing contractual terms is ordinarily noticed under **(g)** instead of (c)(2). | S006, § 9(c)(2)(i)(A). [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/rules-policy/regulations/1026/9/?utm_source=chatgpt.com) | L; not a universal 45-day rule for every change or fee. |\n| **R005-P1-C012 — Particular agreed change** | The narrow agreed-change branch permits notice as late as the effective date. | It covers substituted collateral or a relatively unique change needed for additional credit. General reservation language, account use, accepting a generally applicable unilateral change, reopening, or upgrading do **not** qualify. | S006, § 9(c)(2)(i)(B). [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/rules-policy/regulations/1026/9/?utm_source=chatgpt.com) | L; this procedural exception does not establish contract formation or substantive permission. |\n| **R005-P1-C013 — Other plan charges** | For a new or increased § 6(b)(3) charge that is not a significant change, the creditor has a different notice choice. | Subject to the reduced-limit rule, either give the prescribed 45-day notice or disclose the charge’s amount before the consumer agrees to or becomes obligated to pay it; the latter disclosure may be oral or written. | S006, § 9(c)(2)(iii)(A)–(B), OI; S005, § 6(b)(3). [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/rules-policy/regulations/1026/9/?utm_source=chatgpt.com) | L/OI; classification and pre-obligation timing remain necessary. |\n| **R005-P1-C014 — Added features and checks** | Adding a feature can require both § 9(b) disclosures and § 9(c) advance notice; one notice can satisfy both. | Checks subject to § 9(b)(3) have their own on/with-check disclosure branch and a § 9(c) exception. That branch still does not override § 55. | S006, § 9(b)(1)–(3), OI 9(c)(2)-4; S007, § 55(b)(3)(i). [Consumer Financial Protection Bureau+2](https://www.consumerfinance.gov/rules-policy/regulations/1026/9/?utm_source=chatgpt.com) | L/OI; not a blanket exemption for all new transactions. |\n| **R005-P1-C015 — Initially disclosed versus discretionary** | A specifically disclosed future change can avoid a later change notice only when the relevant conditions are satisfied. | A properly disclosed qualifying temporary rate or variable formula differs from a contract merely authorizing discretionary changes. The latter still requires applicable notice. | S006, OI 9(c)(2)-1; § 9(c)(2)(v). [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/rules-policy/regulations/1026/9/?utm_source=chatgpt.com) | OI/L; reservation language proves neither agreement to a particular change nor legality. |\n\n### 2B. Notice exceptions, required contents, and timing\n\n| Claim ID / area | Precise claim | Trigger, conditions, and exceptions | Source pinpoint | Status / limits |\n| --- | --- | --- | --- | --- |\n| **R005-P1-C016 — Other no-notice branches** | § 9(c)(2)(v)(A) exempts specified changes from this change-notice requirement. | These include documentary-evidence charges, reductions of charge components, suspension/termination, certain court-proceeding agreements, grace-period extensions, and check-only changes governed by § 9(b)(3). Reduced-limit protections remain; LIBOR margin reductions have a stated exception. OI also addresses names, insurers, operation of law, and properly disclosed skip features. | S006, § 9(c)(2)(v)(A), OI -1, -2; S013. [ecfr.gov+1](https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-B/section-1026.9?utm_source=chatgpt.com) | L/OI; “no notice under this branch” does not mean “no legal constraints.” |\n| **R005-P1-C017 — Temporary-term notice exception** | Expiration of a disclosed period can avoid a fresh § 9(c)(2) notice. | Before commencement, disclose the period and subsequent rate/fee clearly, in writing, with the required proximity and prominence to the first listing. The later term cannot exceed what was disclosed; a disclosed variable formula must remain the same. | S006, § 9(c)(2)(v)(B), OI -6 to -10. [Consumer Financial Protection Bureau+1](https://www.consumerfinance.gov/rules-policy/regulations/1026/9/?utm_source=chatgpt.com) | L/OI; this notice exception alone does not establish § 55’s six-month condition or dispose of another notice provision. |\n| **R005-P1-C018 — Telephone temporary offer** | OI permits delayed written temporary-offer disclosures in a narrow telephone branch. | Telephone acceptance; required disclosures and applicable rejection right given in the offer; writing as soon as reasonably practicable after the first covered transaction/fee. Generally allow rejection and reinstatement for **45 days after mailing/delivery** of that writing, unless the post-offer term does not exceed the pre-offer term. | S006, OI 9(c)(2)(v)-5. [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/rules-policy/regulations/1026/9/?utm_source=chatgpt.com) | OI; this offer-rejection accommodation is distinct from the general § 9(h) APR exclusion. |\n| **R005-P1-C019 — Variable movement notice exception** | A qualifying index-driven rate increase does not require a fresh § 9(c)(2) change notice. | The rate varies under a properly disclosed plan according to an index available to the public and outside the creditor’s control; this does not excuse changing the margin or formula. | S006, § 9(c)(2)(v)(C), OI -12; S007, § 55(b)(2). [Consumer Financial Protection Bureau+1](https://www.consumerfinance.gov/rules-policy/regulations/1026/9/?utm_source=chatgpt.com) | L/OI; “variable” printed on a notice is insufficient proof. |\n| **R005-P1-C020 — Workout notice exception** | Completion or failure of a qualifying workout can avoid a fresh § 9(c)(2) notice for the specified restoration. | Required terms must be disclosed beforehand; telephone disclosure may be followed by writing as soon as reasonably practicable. Disclosures include arrangement and post-arrangement rates/covered fees/minimums and relevant timely-payment conditions. Post-arrangement terms must satisfy the specified ceiling/formula conditions. | S006, § 9(c)(2)(v)(D), OI -11; S007, § 55(b)(5). [Consumer Financial Protection Bureau+1](https://www.consumerfinance.gov/rules-policy/regulations/1026/9/?utm_source=chatgpt.com) | L/OI; fee-list inconsistency separately preserved in C021. |\n| **R005-P1-C021 — Workout text inconsistency** | The retrieved operative workout notice provision contains a duplicated fee reference. | Both CFPB and eCFR display **(ix) twice**, while OI 9(c)(2)(v)-11.iii includes **(xi), returned-payment fees**. This report does not silently substitute one for the other or give an unqualified returned-payment-fee exemption conclusion. | S006, § 9(c)(2)(v)(D); OI -11.iii. [ecfr.gov+1](https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-B/section-1026.9?utm_source=chatgpt.com) | **U—published-text inconsistency.** A verified correction or further controlling authority would be needed for that disputed subbranch. |\n| **R005-P1-C022 — Credit-limit reduction** | A limit reduction itself does not universally require 45 days’ advance notice, but resulting over-limit consequences have a notice constraint. | Before imposing an over-limit fee or penalty rate solely because the balance exceeds the reduced limit, provide the required **45-day** notice; § 9(c)(2)(vi) permits oral or written notice. §§ 55 and 56 remain separate constraints. | S006, § 9(c)(2)(vi), OI 9(c)(2)(v)-1.i. [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/rules-policy/regulations/1026/9/?utm_source=chatgpt.com) | L/OI; not authority to reprice old balances or charge an over-limit fee. |\n| **R005-P1-C023 — General change-notice content** | The notice must describe the change, its effective date, and required contextual information. | § 9(c)(2)(iv)(A) requires the summary, statement that terms change, applicable additional-information/opt-out references, penalty-rate interaction, and identification of balances receiving an increased APR and balances retaining the current rate. | S006, § 9(c)(2)(iv)(A)(1)–(8). [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/rules-policy/regulations/1026/9/?utm_source=chatgpt.com) | L; a printed assertion about affected balances does not establish substantive authority. |\n| **R005-P1-C024 — Reasons for APR increase** | A covered card APR-increase notice must give no more than four principal reasons, ranked by importance. | The reasons must accurately describe factors actually considered. A violation on the affected account must be specifically identified if among those principal reasons; there is no mandated minimum number. | S006, § 9(c)(2)(iv)(A)(8), OI -11; § 9(g)(3)(i)(A)(6), OI 9(g)-7; S014 amended OI. [federalregister.gov](https://www.federalregister.gov/documents/2023/05/11/2023-09129/facilitating-the-libor-transition-consistent-with-the-libor-act-regulation-z?utm_source=chatgpt.com) | L/OI; stated reasons are not independent proof that their factual predicates occurred. |\n| **R005-P1-C025 — Rejection disclosures** | Where the rejection branch applies, the notice must disclose the right, its timing, a usable toll-free method, and applicable loss of future credit access. | It must state rejection before the effective date, the specified delinquency qualification, instructions and toll-free number, and whether use for further advances will terminate or be suspended. | S006, § 9(c)(2)(iv)(B)(1)–(3). [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/rules-policy/regulations/1026/9/?utm_source=chatgpt.com) | L; exclusions are detailed in C069. |\n| **R005-P1-C026 — Delinquency restoration disclosures** | A qualifying more-than-60-day increase requires disclosure of the six-payment restoration condition for the old/within-14-day cohort. | The first qualifying payment is the first due after the increase takes effect. A covered fee increase under (c)(2)(iv)(C) must also state the reason; § 9(g) supplies the analogous rate disclosure. | S006, §§ 9(c)(2)(iv)(C), 9(g)(3)(i)(B); S007, § 55(b)(4)(i). [Consumer Financial Protection Bureau+2](https://www.consumerfinance.gov/rules-policy/regulations/1026/9/?utm_source=chatgpt.com) | L; notice language does not prove delinquency or later restoration compliance. |\n| **R005-P1-C027 — Change-notice format** | The required change summary generally uses a table with headings and format substantially similar to G-17. | Minimum-payment increases, specified non-table § 6(b)(4) terms, and security-interest descriptions have stated table exceptions. Statement notices use the front of any statement page; separate notices use the front of the first page or a segregated page, subject to the rule’s continuation and ordering requirements. | S006, § 9(c)(2)(iv)(D)(1)–(3). [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/rules-policy/regulations/1026/9/?utm_source=chatgpt.com) | L; actual layout not inspected. |\n| **R005-P1-C028 — Formula and related-term disclosures** | Margin/index changes require disclosure of the resulting rate and its variable character; fixed/variable conversions generally require notice even if the immediate rate falls. | Specified temporary/workout/statutory reductions and restoration exceptions apply. Changing a penalty rate, trigger, or duration requires redisclosure of the related penalty terms; changing a fee component requires the relevant full fee formula. | S006, OI 9(c)(2)(iv)-1 to -6; S014 updated version. [federalregister.gov](https://www.federalregister.gov/documents/2023/05/11/2023-09129/facilitating-the-libor-transition-consistent-with-the-libor-act-regulation-z?utm_source=chatgpt.com) | OI; notice does not establish authority for the conversion on protected balances. |\n| **R005-P1-C029 — § 9(g) trigger and sequence** | A delinquency/default/penalty rate notice generally must be written, provided **after the triggering event**, and at least **45 days before** the increase takes effect. | Applies to non-§ 40 plans; § 9(g)(4) supplies a special reduced-limit route. A pre-event contractual disclosure is not the required post-trigger notice. | S006, § 9(g)(1)–(2). [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/rules-policy/regulations/1026/9/?utm_source=chatgpt.com) | L; trigger occurrence remains factual. |\n| **R005-P1-C030 — § 9(g) content and format** | A penalty notice must state the trigger, effective date, cessation conditions or potentially indefinite duration, affected balances, applicable protected balances, and required principal reasons/restoration information. | On/with a statement, use the required table on the front of a page, above a combined change notice. A separate notice begins on its first-page front and has restrictions on unrelated content; permitted combinations remain available. | S006, § 9(g)(3)(i)–(ii). [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/rules-policy/regulations/1026/9/?utm_source=chatgpt.com) | L; no conclusion about any unseen notice. |\n| **R005-P1-C031 — § 9(g)(4) reduced-limit route** | The alternative reduced-limit penalty notice is conditional, not unconditional permission to impose the rate. | Written notice at least 45 days before imposition must disclose the reduction, test date, nonimposition if the balance is within the limit on that date, duration, and affected/protected balances. The creditor must honor the nonimposition condition and prescribed format. | S006, § 9(g)(4)(i)–(iii). [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/rules-policy/regulations/1026/9/?utm_source=chatgpt.com) | L; § 55 independently limits old-balance repricing. |\n| **R005-P1-C032 — Calendar versus business days** | The relevant **45-, 14-, and 60-day periods are not business-day periods**. | The text uses days without a business-day qualification. § 2(a)(6)’s office-open definition and its special Sundays/federal-holidays definition do not convert these periods into excluded-weekend calculations. Months, billing cycles, and payment sequences remain their stated units. | S004, § 2(a)(6); S006–S007 timing clauses. [Consumer Financial Protection Bureau+1](https://www.consumerfinance.gov/rules-policy/regulations/1026/2/?utm_source=chatgpt.com) | L/I; no actual calendar calculation performed. |\n| **R005-P1-C033 — No imported receipt presumption** | These change-notice branches do not supply a universal three-business-day deemed-receipt rule. | The relevant anchor is provision of the required notice; the telephone-offer accommodation expressly uses mailing/delivery. A document’s printed date alone does not prove legally sufficient provision. Mortgage receipt presumptions are not imported. | S006, § 9(c)(2)(i), (g)(2), OI 9(c)(2)(v)-5; S004, § 2(a)(6). [Consumer Financial Protection Bureau+2](https://www.consumerfinance.gov/rules-policy/regulations/1026/9/?utm_source=chatgpt.com) | L/I; contract, electronic-delivery validity, and any separate applicable-law presumption held. |\n| **R005-P1-C034 — Payment receipt is different** | Payment mailing, creditor receipt, crediting, and collection are not interchangeable dates. | § 10 generally requires crediting as of receipt, subject to its conditions. Its next-business-day protection where payments are not accepted on the due date uses the next day the creditor accepts/receives mailed payments; it does not automatically extend available electronic/telephone methods. | S009, § 10(a)–(d), OI; S003, § 1637(o). [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/rules-policy/regulations/1026/10/?utm_source=chatgpt.com) | L/OI; this is a payment rule, not a change-notice mailing presumption. |\n| **R005-P1-C035 — Opening-date convention** | The first-year restriction is measured from a permitted opening date no earlier than usability. | Comment 52(a)(1)-4 permits specified first-use, activation, or **seven-days-after-mailing/delivery of opening disclosures** methods, with stated conditions and a reasonable-procedure adjustment. § 55 imports these methods. | S010, OI 52(a)(1)-4; S007, OI 55(b)(3)-7. [Consumer Financial Protection Bureau+1](https://www.consumerfinance.gov/rules-policy/regulations/1026/52/?utm_source=chatgpt.com) | OI; this seven-day convention is **not** presumed receipt of a change notice. |\n| **R005-P1-C036 — No actual deadline** | No personalized effective date, rejection deadline, delinquency date, or restoration date can be established here. | Provision/delivery facts, the legally operative due dates, payment receipts, transaction dates, effective date, first post-effective payment, and billing-cycle boundaries were not supplied or investigated. | Audit inference from C011, C029, C032–C035, C040–C053. | **I/U**; legal periods are retained without inventing calendar facts. |\n\n### 2C. Statutory limits and all § 1026.55 exception branches\n\n| Claim ID / area | Precise claim | Trigger, conditions, and exceptions | Source pinpoint | Status / limits |\n| --- | --- | --- | --- | --- |\n| **R005-P1-C037 — Statutory existing balance** | § 1666i-1 prohibits increases in APRs, fees, or finance charges on outstanding balances except its specified branches. | The statute addresses disclosed-period expiration, public uncontrolled indices, workout completion/failure, and qualifying 60-day nonpayment; it also governs repayment. Its “outstanding balance” definition uses the amount owed at the end of the 14th day after proper notice. | S002, **§ 1666i-1(a)–(d), complete**. [uscode.house.gov](https://uscode.house.gov/us/usc/119-118/t15/s1666i-1/?utm_source=chatgpt.com) | Statute; regulatory implementation and transaction-date OI must also be read. |\n| **R005-P1-C038 — Statutory first year/promotion** | § 1666i-2 supplies a first-year restriction and a minimum promotional-APR period. | Its first-year exception cross-references § 1666i-1(b)(1)–(4). Promotional APR increases generally cannot occur before the six-month period ends, subject to authorized regulatory exceptions. | S002, **§ 1666i-2(a)–(b), complete**. [uscode.house.gov](https://uscode.house.gov/us/usc/119-118/t15/s1666i-2/?utm_source=chatgpt.com) | Statute; not a statement that every card fee is frozen for a year. |\n| **R005-P1-C039 — § 55’s regulated terms** | § 55(a) covers APRs and specifically the fees/charges disclosed under **§ 6(b)(2)(ii), (iii), and (xii)**. | These are issuance/availability charges; fixed finance/minimum-interest charges; and required insurance/debt-cancellation/debt-suspension coverage. The rule does not label every card fee a § 55 fee. | S007, § 55(a); S005, exact § 6(b)(2) clauses. [ecfr.gov+2](https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-G/section-1026.55?utm_source=chatgpt.com) | L; statute and regulation use different wording and are not silently merged. |\n| **R005-P1-C040 — Advance-notice balance cohorts** | Under § 55(b)(3), an increased term disclosed under § 9(b) cannot reach earlier transactions; a § 9(c)/(g) increase cannot reach transactions before or within 14 days after provision. | Compliance with applicable notice is necessary. Protection is against **that increase under that exception**, not every separately authorized future movement. | S007, § 55(b)(3)(i)–(ii). [ecfr.gov](https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-G/section-1026.55?utm_source=chatgpt.com) | L; no actual transaction classification. |\n| **R005-P1-C041 — First year, closure, unavailable credit** | The advance-notice exception cannot be used during the first year, while the account is closed, or while new transactions are not permitted. | Notice may precede the permissible application date. OI permits a limited delay to the next cycle if unavailable on the original effective date; continued unavailability then requires a new notice. Other independently satisfied exceptions remain distinct. | S007, § 55(b)(3)(iii), OI -6, -7. [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/rules-policy/regulations/1026/55/?utm_source=chatgpt.com) | L/OI; closure is not universal immunity from all previously applicable charges. |\n| **R005-P1-C042 — Transaction-date qualifications** | Transaction date generally controls, but posting and estimated-hold rules can change the § 55 classification. | A within-14-day transaction not charged before the effective date may be treated as later. For an estimated merchant hold, the relevant date is when the issuer receives the actual transaction amount. | S007, OI 55(b)-4; 55(b)(3)-4.iii. [Consumer Financial Protection Bureau+1](https://www.consumerfinance.gov/rules-policy/regulations/1026/55/?utm_source=chatgpt.com) | OI; authorization date alone is insufficient. |\n| **R005-P1-C043 — Effective date and interest** | Eligibility of a later transaction for an increase does not permit charging the increased rate before the required notice effective date. | This concerns increases requiring the § 9(c)/(g) notice. It must not be generalized into a prohibition on every billing-cycle application of a genuine variable-index formula. | S007, OI 55(b)-2; S016, pp. 9–10. [Consumer Financial Protection Bureau+1](https://www.consumerfinance.gov/rules-policy/regulations/1026/55/?utm_source=chatgpt.com) | OI/J; formula and exception matter. |\n| **R005-P1-C044 — Temporary exception: duration/disclosure** | § 55(b)(1) permits expiration increases only after a specified period of **at least six months**, with required prior written disclosure. | The period ordinarily runs no earlier than disclosure or later usability. For a single transaction it runs at least six months from that transaction; a qualifying transaction-window promotion does not necessarily give each transaction its own six months. | S007, § 55(b)(1)(i), OI -1, -2. [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/rules-policy/regulations/1026/55/?utm_source=chatgpt.com) | L/OI; notice exception C017 is not a substitute for this substantive test. |\n| **R005-P1-C045 — Temporary exception: cohort ceilings** | Expiration does not permit one indiscriminate post-promotion rate on all balances. | Pre-period transactions cannot exceed their pre-period term under this branch; if disclosures were under § 9(c), within-14-day transactions have the specified prior-category ceiling; during-period transactions cannot exceed the disclosed subsequent term. | S007, § 55(b)(1)(ii)(A)–(C). [Consumer Financial Protection Bureau+1](https://www.consumerfinance.gov/rules-policy/regulations/1026/55/?utm_source=chatgpt.com) | L; other independent exceptions may affect the applicable rate. |\n| **R005-P1-C046 — Contingencies and deferred interest** | A discretionary or event-contingent revocation is not merely expiration of a specified period. | A minor late payment or missed spending condition does not itself authorize old-balance repricing under (b)(1). Deferred-interest programs have specific disclosed-duration/rate conditions; a qualifying (b)(4) increase and later restoration have distinct treatment, including no automatic refund of previously imposed deferred interest. | S007, OI 55(b)(1)-3, -4. [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/rules-policy/regulations/1026/55/?utm_source=chatgpt.com) | OI; no broader accrual or deferred-interest accounting study. |\n| **R005-P1-C047 — Genuine variable-index exception** | § 55(b)(2) requires a public index outside the issuer’s control and an APR increase actually caused by its increase. | Own prime/cost-of-funds indices, a floor preventing corresponding decreases, or discretionary index-value selection can fail the test. A maximum cap is distinguished from a minimum floor. | S007, § 55(b)(2), OI -1, -2. [Consumer Financial Protection Bureau+1](https://www.consumerfinance.gov/rules-policy/regulations/1026/55/?utm_source=chatgpt.com) | L/OI; no actual index series or agreement examined. |\n| **R005-P1-C048 — Formula changes are different** | Increasing a margin or changing the rate-determination method is not authorized merely by the variable-rate exception. | This remains true even without an immediate numerical increase. OI allows some changes in measurement day; that is not blanket discretion to choose an advantageous index value. Fixed-to-variable conversion cannot evade protection of the existing fixed-rate balance. | S007, OI 55(b)(2)-1 through -4. [Consumer Financial Protection Bureau+1](https://www.consumerfinance.gov/rules-policy/regulations/1026/55/?utm_source=chatgpt.com) | OI; index replacement has its own C057–C060 branch. |\n| **R005-P1-C049 — Material published opinion** | In **Milliken**, the Ninth Circuit held that the stipulated public-prime-plus-constant-margin, fixed month-end observation formula could qualify without daily matching of index changes. | The majority distinguished discretionary manipulation and the notice-based no-pre-effective-interest commentary; it affirmed dismissal. | S016, majority **pp. 7–12**, disposition **p. 13**. [cdn.ca9.uscourts.gov](https://cdn.ca9.uscourts.gov/datastore/opinions/2025/12/29/24-4498.pdf?utm_source=chatgpt.com) | **J**; Ninth Circuit, as issued. Later history held; not a universal validation of all variable-rate methods. |\n| **R005-P1-C050 — Actual delinquency predicate** | § 55(b)(4) requires nonreceipt of the **required minimum periodic payment within 60 days after its due date**. | “Late,” “default,” a missed payment elsewhere, or a notice’s assertion is insufficient by itself. OI compares amounts received with the first outstanding required minimum; generic “two missed statements” language is not the legal test. | S007, § 55(b)(4), OI -1; S002, § 1666i-1(b)(4). [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/rules-policy/regulations/1026/55/?utm_source=chatgpt.com) | L/OI; required amount, due date, and receipt remain unproved. |\n| **R005-P1-C051 — Later old-balance penalty requires proper notice** | An earlier notice based on a shorter delinquency does not, merely by aging, prove compliance for a later old-balance increase under (b)(4). | The qualifying event and applicable post-trigger 45-day notice must be established. A later notice may be necessary; the earlier notice cannot be assumed to satisfy a condition that had not occurred. | S006, § 9(g)(2); S007, § 55(b)(4); OI 9(g)-1. [Consumer Financial Protection Bureau+1](https://www.consumerfinance.gov/rules-policy/regulations/1026/9/?utm_source=chatgpt.com) | L/I; no actual sequence reconstructed. |\n| **R005-P1-C052 — Mandatory six-payment restoration** | If the first six consecutive required minimum payments beginning with the first due after effectiveness are received on/before their due dates, § 55(b)(4)(ii) requires restoration for the specified older cohort. | The cohort is transactions before or within 14 days after the notice. This is not a promise that any later six timely payments automatically restore every transaction’s rate. | S007, § 55(b)(4)(ii), OI -3; S006 restoration disclosures. [Consumer Financial Protection Bureau+1](https://www.consumerfinance.gov/rules-policy/regulations/1026/55/?utm_source=chatgpt.com) | L/OI; first due date, six receipts, and cohort unknown. |\n| **R005-P1-C053 — Restoration qualifications** | Restoration can reflect another independently valid exception and has a stated implementation accommodation. | An expired qualifying temporary rate or genuine variable movement can affect the restored rate. OI permits implementation on the next cycle’s first day when the restoration date falls mid-cycle. Separate § 59 review may remain relevant. | S007, OI 55(b)(4)-3.ii–iii; S011. [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/rules-policy/regulations/1026/55/?utm_source=chatgpt.com) | OI; no universal return to the original opening APR. |\n| **R005-P1-C054 — Workout substantive authority** | § 55(b)(5) permits specified increases on completion or failure of a workout only with required prior disclosure and a ceiling for pre-arrangement transactions. | The restored term for those transactions cannot exceed the pre-arrangement term under this exception. Other valid exceptions can separately affect that ceiling; oral-telephone disclosure has the prescribed prompt-writing route. | S007, § 55(b)(5)(i)–(ii), OI -2, -3; S006, § 9(c)(2)(v)(D). [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/rules-policy/regulations/1026/55/?utm_source=chatgpt.com) | L/OI; completion/failure and earlier terms must be proved. |\n| **R005-P1-C055 — Workout is not a waiver of § 55** | A workout does not permit the issuer to contract around § 55’s substantive or protected-balance repayment requirements. | Any increase still needs an exception; a protected balance cannot be required to repay on terms exceeding § 55(c)’s limits merely because a workout is involved. | S007, OI 55(b)(5)-1. [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/rules-policy/regulations/1026/55/?utm_source=chatgpt.com) | OI; no settlement, waiver, or actual workout validity determination. |\n| **R005-P1-C056 — SCRA-related restoration** | § 55(b)(6) permits specified restoration when the legal protection causing the reduction no longer applies. | For transactions predating the reduction, this branch cannot exceed the pre-reduction term; other exceptions remain separate. Applicable change notice is still required. The fee-rejection exclusion has its own pre-reduction ceiling. | S007, § 55(b)(6), OI -1, -2; S006, § 9(c)(2)(iv)(B); S024 codification note. [Consumer Financial Protection Bureau+2](https://www.consumerfinance.gov/rules-policy/regulations/1026/55/?utm_source=chatgpt.com) | L/OI; old app. § 527 reference identified as current § 3937 in the 2024 Code. Actual eligibility/end date and 2026 SCRA audit held. |\n| **R005-P1-C057 — Unavailable-index replacement** | § 55(b)(7)(i) permits a replacement index and margin after the original index becomes unavailable, subject to substantial-similarity conditions. | Historical fluctuations must be substantially similar; the resulting rate must be substantially similar to the rate at unavailability. A new index without history has the specified rate test. Updated LIBOR OI ordinarily uses the unavailability-day values, or the **previous calendar day** both were published, subject to the Board-selected exception. | S007, § 55(b)(7)(i); S014, OI 55(b)(7)(i)-1, -2. [ecfr.gov+1](https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-G/section-1026.55?utm_source=chatgpt.com) | L/OI; actual unavailability and comparison not established. |\n| **R005-P1-C058 — Separate LIBOR transition route** | § 55(b)(7)(ii) permits a qualifying LIBOR replacement on or after **April 1, 2022**, without making unavailability the same prerequisite as (i). | It uses specified **October 18, 2021** index comparisons and the relevant margin. OI defines the prior margin by reference to immediately before provision of the replacement notice. If the replacement was unpublished on the reference date, the general fallback is the **next calendar day** both were published. | S007, § 55(b)(7)(ii); S014, OI 55(b)(7)(ii)-1 to -3. [ecfr.gov+1](https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-G/section-1026.55?utm_source=chatgpt.com) | L/OI; not a license for an arbitrary replacement margin. |\n| **R005-P1-C059 — Updated benchmark conditions** | The 2023 amendment covers Board-selected consumer-loan replacements for **1-, 3-, 6-, and 12-month U.S. dollar LIBOR**. | The specified comparison uses LIBOR’s **June 30, 2023** value and the replacement’s first published value. Updated OI supplies historical-similarity and same-margin deemed-compliance treatment. Its prime-index determination is narrower—1- and 3-month LIBOR—and does not dispense with the rate/margin test. | S014, § 2(a)(28), § 55(b)(7)(ii), OI 55(b)(7)(i)/(ii). [federalregister.gov+1](https://www.federalregister.gov/documents/2023/05/11/2023-09129/facilitating-the-libor-transition-consistent-with-the-libor-act-regulation-z?utm_source=chatgpt.com) | L/OI; broader LIBOR Act contract effects are held. |\n| **R005-P1-C060 — Replacement notice and contract limits** | Index replacement is a change requiring the applicable notice, not ordinary movement of an unchanged index. | From **October 1, 2022**, the specified LIBOR margin-reduction change also must be disclosed. A narrow estimate accommodation applies to an unpublished Board-selected replacement, unchanged margin, publication by effectiveness, and best available information clearly labelled an estimate. Neither § 55(b)(7) route excuses contract noncompliance. | S006, § 9(c)(2)(v)(A); S013; S014, OI 9(c)(2)(iv)-2.ii and 55(b)(7)-1. [federalregister.gov+2](https://www.federalregister.gov/documents/2023/05/11/2023-09129/facilitating-the-libor-transition-consistent-with-the-libor-act-regulation-z?utm_source=chatgpt.com) | L/OI; contract interpretation and actual replacement calculation held. |\n\n### 2D. Continuing balances, repayment, first-year overlay, and rejection\n\n| Claim ID / area | Precise claim | Trigger, conditions, and exceptions | Source pinpoint | Status / limits |\n| --- | --- | --- | --- | --- |\n| **R005-P1-C061 — Continuing application** | § 55 continues after closure, acquisition by another creditor, and specified same-issuer/affiliate/subsidiary transfers. | The same-group transfer clause has an express destination-account exception for § 40 plans. Acquisition of an account is not automatically equated with a consumer’s unrelated new balance-transfer transaction. | S007, § 55(d), OI. [ecfr.gov+1](https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-G/section-1026.55?utm_source=chatgpt.com) | L/OI; no actual assignment or chain-of-title determination. |\n| **R005-P1-C062 — Promotional waivers/rebates** | Ending a promoted and applied waiver/rebate of covered interest or fees can constitute an increase under § 55. | The rule cannot be avoided simply by calling the lower effective term a waiver or rebate. OI distinguishes specified goodwill adjustments and rewards not promoted as reductions of covered charges. | S007, § 55(e), OI. [ecfr.gov+1](https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-G/section-1026.55?utm_source=chatgpt.com) | L/OI; no full rewards or fee-classification analysis. |\n| **R005-P1-C063 — Protected balance is a defined category** | § 55(c)’s “protected balance” is not every balance that existed before any event. | It is the amount for a transaction category to which a § 55(b)(3) increase cannot apply. OI explains why this specific paragraph is not itself the first-year repayment rule and why changing a balance-computation method is not categorically prohibited by § 55. | S007, § 55(c)(1), OI -1 to -4. [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/rules-policy/regulations/1026/55/?utm_source=chatgpt.com) | L/OI; other rules, including § 54 where relevant, remain separate. |\n| **R005-P1-C064 — Repayment alternatives** | Repayment of a protected balance cannot be less beneficial than **one** of three permitted methods. | The benchmarks are the prior method; amortization over at least five years beginning no earlier than effectiveness; or a minimum payment whose balance-percentage component is no more than twice the prior percentage. A different method is allowed if no less beneficial than one benchmark. | S007, § 55(c)(2)(i)–(iii), OI. S002, § 1666i-1(c). [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/rules-policy/regulations/1026/55/?utm_source=chatgpt.com) | L/OI; not an absolute five-year entitlement, not twice the entire payment, and not a statutory consumer-choice menu. |\n| **R005-P1-C065 — Account-wide fees and old balances** | The existence of a protected balance does not prohibit every account-wide fee increase. | After the first year, an annual or maintenance fee can potentially be added/increased with applicable notice and rejection rights, subject to availability/closure and other conditions. The fee cannot be imposed after a valid rejection. | S007, OI 55(c)(1)-3; S006, § 9(h). [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/rules-policy/regulations/1026/55/?utm_source=chatgpt.com) | OI/L; “old balance” is not a universal fee freeze. |\n| **R005-P1-C066 — Narrow first-year fee overlay** | § 52(a) limits required fees during the first year to **25%** of the applicable credit limit under its rules. | Periodic interest, specified late/over-limit/returned-payment fees, and fees not required to be paid have stated exclusions. A later limit increase does not expand the allowance; a reduction can require correction. Being below the cap does not legalize an otherwise prohibited fee. | S010, § 52(a), OI; S003, § 1637(n). [Consumer Financial Protection Bureau+2](https://www.consumerfinance.gov/rules-policy/regulations/1026/52/?utm_source=chatgpt.com) | L/OI; no fee amount or penalty-reasonableness determination. |\n| **R005-P1-C067 — Separate rate review** | § 59 review is different from the automatic conditional restoration in § 55(b)(4). | Covered actually imposed APR increases must generally be reviewed at least every six months; an appropriate reduction must take effect within 45 days after review. Delinquency timing, termination, SCRA/charged-off/qualifying-LIBOR exceptions apply. A transition does not erase an existing review duty. | S011, § 59(a)–(h); S014 relevant updated OI. [Consumer Financial Protection Bureau+2](https://www.consumerfinance.gov/rules-policy/regulations/1026/59/?utm_source=chatgpt.com) | L/OI; no guarantee of return to opening APR and no individualized review performed. |\n| **R005-P1-C068 — Statutory cancellation and regulatory rejection** | § 1637(i) uses cancellation language; the current § 9(h) implementation does not provide a general APR-change rejection right. | The 2010 preamble explains removal of the APR opt-out approach in light of automatic existing-balance protections. The statute, current regulation, and historical explanation are distinct source levels. | S003, § 1637(i)(3)–(4); S006, §§ 9(c)(2)(iv)(B), 9(h); S012, **p. 7706 / index 48**. [uscode.house.gov+2](https://uscode.house.gov/us/usc/119-124/t15/s1637/?utm_source=chatgpt.com) | Statute/L/P; no adjudication of a statutory cause of action or remedy. |\n| **R005-P1-C069 — Exact rejection exclusions** | § 9(h) applies when § 9(c)(2)(iv)(B) requires rejection disclosure. | Exclusions include required-minimum-payment increases; APR changes; specified § 52(b) cost reevaluations/CPI adjustments; qualifying restoration of a legally reduced fee no higher than before reduction; and qualifying more-than-60-day nonpayment. OI also excludes a balance-method change necessary to comply with § 54. | S006, § 9(c)(2)(iv)(B), OI 9(h)-1. [Consumer Financial Protection Bureau+1](https://www.consumerfinance.gov/rules-policy/regulations/1026/9/?utm_source=chatgpt.com) | L/OI; another contractual right is not assumed absent or present. Telephone temporary-offer rights remain distinct. |\n| **R005-P1-C070 — Rejection deadline/channel** | To use § 9(h), the creditor must be notified before the effective date. | Reasonable submission requirements may include use of the disclosed toll-free number; writing cannot be made a mandatory additional channel. A cutoff earlier than the day before effectiveness is unreasonable. Timely but unprocessed rejections require delay or reversal/crediting of the change’s effects. | S006, § 9(h)(1), OI -1. [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/rules-policy/regulations/1026/9/?utm_source=chatgpt.com) | L/OI; no mailbox-rule assumption and no actual response date determined. |\n| **R005-P1-C071 — Account use** | Account use before effectiveness does not waive the regulatory right to reject; use after rejection does not revoke it. | This rule concerns § 9(h), not a resolution of all contract-assent questions. | S006, OI 9(h)(1)-2. [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/rules-policy/regulations/1026/9/?utm_source=chatgpt.com) | OI; formation/consent remains held. |\n| **R005-P1-C072 — Prohibited rejection consequences** | A timely qualifying rejection prevents applying that change and prohibits a fee, charge, or default treatment solely because of rejection. | The § 9(h)(3) delinquency exception can later matter. Independent lawful events and requirements are not erased. | S006, § 9(h)(2)(i)–(ii), (3). [Consumer Financial Protection Bureau+1](https://www.consumerfinance.gov/rules-policy/regulations/1026/9/?utm_source=chatgpt.com) | L; no blanket immunity from future charges. |\n| **R005-P1-C073 — Closure/suspension permitted** | Section 9(h) does not guarantee continued credit availability after rejection. | The creditor may terminate or suspend further credit availability, with the applicable notice disclosure; the continuing balance is still subject to relevant protections. | S006, OI 9(h)(2)(ii)-1; § 9(c)(2)(iv)(B)(3); S007, § 55(d). [Consumer Financial Protection Bureau+1](https://www.consumerfinance.gov/rules-policy/regulations/1026/9/?utm_source=chatgpt.com) | L/OI; rejection, closure, and repayment are distinct events. |\n| **R005-P1-C074 — Continuing charges and debt** | Rejection does not discharge the debt or automatically stop every preexisting charge. | OI permits continuation of a previously charged periodic fee and a previously applicable late fee, subject to other law; a new closed-account fee imposed solely because of rejection is prohibited. | S006, OI 9(h)(2)(ii)-2. [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/rules-policy/regulations/1026/9/?utm_source=chatgpt.com) | OI; no finding that any actual charge is valid. |\n| **R005-P1-C075 — Rejection repayment base/date** | § 9(h)(2)(iii) imports the § 55(c)(2) repayment benchmarks for the relevant account balance. | If credit is terminated/suspended because of rejection, use the balance at the end of that day. Otherwise use end of the notification day or a later date chosen by the creditor. The relevant amortization start cannot precede notification of rejection. | S006, § 9(h)(2)(iii), OI -1, -2. [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/rules-policy/regulations/1026/9/?utm_source=chatgpt.com) | L/OI; no actual balance or lawful plan calculated. |\n| **R005-P1-C076 — Later qualifying delinquency** | Section 9(h)’s protections do not continue unchanged after its qualifying 60-day nonpayment exception applies. | OI’s later-delinquency example requires another § 9(c) notice before imposing a previously rejected fee; rejection disclosure is then unnecessary and § 9(h)(2) restrictions cease under that exception. § 55 still applies independently. | S006, § 9(h)(3), OI -1.ii; S007. [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/rules-policy/regulations/1026/9/?utm_source=chatgpt.com) | L/OI; no presumption that this exception occurred. |\n\n### 2E. Section 1026.56 intersection and audit limits\n\n| Claim ID / area | Precise claim | Trigger, conditions, and exceptions | Source pinpoint | Status / limits |\n| --- | --- | --- | --- | --- |\n| **R005-P1-C077 — Separate over-limit consent** | Charging for paying an over-limit transaction requires § 56’s separate affirmative-consent process. | The issuer must provide the prescribed notice, a reasonable opportunity to consent, obtain affirmative consent, and send confirmation before imposing the fee. A change notice or general reservation is not a substitute. | S008, § 56(a), (b)(1), OI; S003, § 1637(k). [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/rules-policy/regulations/1026/56/?utm_source=chatgpt.com) | L/OI; consent facts unknown. |\n| **R005-P1-C078 — Opt-in notice content** | The opt-in notice must be clear, conspicuous, and segregated as required, and describe the fee, applicable rate consequence, and consent method. | Written/electronic and oral-request routes have specified form and timing conditions; oral/electronic information must precede consent as required. | S008, § 56(c), (d), (e)(1), OI. [Consumer Financial Protection Bureau+1](https://www.consumerfinance.gov/rules-policy/regulations/1026/56/?utm_source=chatgpt.com) | L/OI; actual e-delivery/consent validity not determined. |\n| **R005-P1-C079 — Confirmation/revocation notice** | Confirmation cannot be deferred past fee imposition merely because the next statement has not arrived. | It must be sent before a fee; the rule’s statement timing is an outer condition, not permission to charge first. A statement imposing an over-limit fee must carry the required revocation notice on the front of a page. | S008, § 56(b)(1)(iv), (d), (e)(2), OI. [Consumer Financial Protection Bureau+1](https://www.consumerfinance.gov/rules-policy/regulations/1026/56/?utm_source=chatgpt.com) | L/OI; sending confirmation and proving consent are separate. |\n| **R005-P1-C080 — Revocation** | Consent can be revoked at any time through the prescribed methods, and revocation must be implemented as soon as reasonably practicable. | Revocation does not automatically reverse prior fees or erase the limited treatment of previously authorized over-limit transactions described in the rule. | S008, § 56(f)–(g), OI. [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/rules-policy/regulations/1026/56/?utm_source=chatgpt.com) | L/OI; not a general rejection of an APR or all account terms. |\n| **R005-P1-C081 — Payment without opt-in** | The issuer can pay an over-limit transaction without opt-in if it does not impose a fee or charge for doing so. | Otherwise lawful ordinary interest or transaction charges are not automatically eliminated solely because the transaction exceeded the limit. | S008, § 56(b)(2), OI. [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/rules-policy/regulations/1026/56/?utm_source=chatgpt.com) | L/OI; no determination that a particular charge is ordinary or lawful. |\n| **R005-P1-C082 — Availability and conditioning** | Opt-in does not require an issuer to approve an over-limit transaction, and the issuer cannot improperly condition credit access/limit on paid-over-limit consent. | § 56(i) preserves discretion whether to pay; § 56(j)(3) and OI prohibit the described conditioning practices. | S008, § 56(i), (j)(3), OI 56(j)-4. [Consumer Financial Protection Bureau+1](https://www.consumerfinance.gov/rules-policy/regulations/1026/56/?utm_source=chatgpt.com) | L/OI; no credit-access guarantee or eligibility decision. |\n| **R005-P1-C083 — Joint consent** | The joint-account consent rule differs from an authorized user’s action. | The issuer may treat affirmative consent by one jointly liable consumer as applying to all; revocation by one jointly liable consumer applies to all. A nonliable authorized user is not interchangeable. | S008, § 56(h), OI. [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/rules-policy/regulations/1026/56/?utm_source=chatgpt.com) | L/OI; no actual joint-liability determination. |\n| **R005-P1-C084 — Cycle limitations** | Section 56(j)(1) limits over-limit fees to one per cycle and only if the limit was exceeded during that cycle. | Its same-transaction rule generally limits charging to three cycles, with the stated balance-reduction and later-transaction qualifications. A further over-limit transaction in either of the last two cycles can change the three-cycle analysis. | S008, § 56(j)(1)(i)–(ii), OI -1, -2. [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/rules-policy/regulations/1026/56/?utm_source=chatgpt.com) | L/OI; no actual cycle count or fee amount. |\n| **R005-P1-C085 — Additional over-limit prohibitions** | An over-limit fee cannot be based solely on failure promptly to replenish available credit after crediting payment, or solely on same-cycle plan fees/interest pushing the balance over the limit. | Prior-cycle charges are treated differently in the latter test. Other § 52(b) restrictions remain outside this narrow investigation. | S008, § 56(j)(2), (4), OI -3, -5, -6. [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/rules-policy/regulations/1026/56/?utm_source=chatgpt.com) | L/OI; opt-in is necessary in its branch, not sufficient to legalize every fee. |\n| **R005-P1-C086 — Currentness status** | Access date, statutory compilation date, regulation-update date, and rule effective date are different facts. | eCFR’s 10/23/2026 label is title-level. House labels lag the actual check. Historical and amended texts are distinguished; no complete official-CFR/session-law/stay/vacatur audit is claimed. | S001–S003, S006–S007, S012–S014. [ecfr.gov+2](https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-G/section-1026.55?utm_source=chatgpt.com) | **U where specified**; no assertion that every possible later legal development was excluded. |\n| **R005-P1-C087 — Publication discrepancies** | Current-labelled agency displays require reconciliation with actual amendments. | S014 replaces older LIBOR OI shown on the CFPB page. Separately, an example in OI 55(b)(7)(ii)-2.ii contains a margin inconsistent with its own setup/conclusion; the general operative rule is used, not reconstructed example arithmetic. | S007 displayed OI; S014 amended OI and example; C021 separate workout typo. [Consumer Financial Protection Bureau+1](https://www.consumerfinance.gov/rules-policy/regulations/1026/55/?utm_source=chatgpt.com) | Resolved version conflict; **unresolved printed-example inconsistency**. |\n| **R005-P1-C088 — Model limits** | Official models illustrate required disclosures; model appearance does not prove authority, delivery, factual predicates, or current permissible fee amounts. | G-20–G-23 image bodies were not visually inspected; G-25 text and governing requirements were read. No unseen full-form compliance claim is made. | S015; S006, OI 9(c)(2)(iv)-8 and 9(g)-4; S008 model references. [Consumer Financial Protection Bureau+2](https://www.consumerfinance.gov/rules-policy/regulations/1026/G/?utm_source=chatgpt.com) | OI/I/U; precise visual gap retained. |\n| **R005-P1-C089 — What a notice cannot prove** | A notice may evidence what was announced; it cannot alone prove coverage, valid prior terms, delivery, the exception’s predicate, correct transaction cohorts, payment receipts, consent, or legality under other law. | Each is a separate document/event/legal question. A reason stated in a notice is an assertion requiring its own support. | I from C001–C088; particularly OI 9(c)(2)-2 and § 55(b). | **I**, not a finding about an actual account. |\n| **R005-P1-C090 — Meaning of an unresolved audit** | “Unproved in this audit” does not mean the debt is void, the change necessarily unlawful, or a remedy available. | This component provides federal branch tests and preserves missing facts and authority; it does not adjudicate liability, standing, remedies, amount, or eligibility. | Scope boundary and inference from the conditional authorities above. | **I/U**; parent questions remain held. |\n\n## 3. Timing and delivery matrix\n\nThis matrix distinguishes a **disclosed period or legal trigger** from an actual calendar computation. No individual date is calculated.\n\n| Event or branch | Governing period or sequence | Actual anchor needed | What must not be substituted | Claims |\n| --- | --- | --- | --- | --- |\n| Ordinary significant change | At least **45 calendar days** before effectiveness | Legally sufficient provision of required notice; stated effective date | Printed document date alone; mortgage deemed receipt; assumed business-day exclusions | C011, C032–C036 |\n| Penalty-rate notice | Trigger first, then required notice, then at least **45 days** | Actual triggering event and notice provision | Initial penalty clause or pre-trigger warning | C029–C031, C051 |\n| New-transaction repricing under § 9(c)/(g) | Transactions before or **within 14 days after notice** excluded from that increase | Transaction classification and notice provision | Treating the 14-day boundary as the date higher interest begins | C040, C042–C043 |\n| Other nonsignificant plan charge | 45-day route **or disclosure before agreement/obligation** | Fee category and actual pre-obligation disclosure | Assuming every fee requires 45 days | C013 |\n| Particular agreed change | Notice may be as late as effectiveness | Qualifying individualized change and actual agreement | General reservation, continued use, reopening, upgrade | C012 |\n| Temporary-term expiration | Prior disclosures; § 55 generally requires **at least six months** | Disclosure, usability, relevant transaction/period, disclosed subsequent term | Six months from an invented date or necessarily six months for every purchase in a window | C017–C018, C044–C046 |\n| Telephone temporary offer | Applicable offer-rejection period **45 days after mailing/delivery** of writing | Qualifying telephone offer and written disclosure event | Treating this as the general § 9(h) APR right | C018 |\n| Delinquency exception | Required minimum not received **within 60 days after due date** | Operative due date, required minimum, credited receipts | “Late” label, statement count, payment mailing date | C034, C050 |\n| Mandatory restoration | First **six consecutive required minimums**, starting first due after effectiveness | Effective date, first subsequent due date, six timely receipts | Any six later payments; a promise to restore all newer balances | C052–C053 |\n| Ordinary rejection | Creditor notified **before effective date** | Authorized response channel and notification/receipt facts | Assuming posting a letter proves timely notification | C070 |\n| First-year restriction | First year after a permissible opening date | Usability and permitted opening-date method | Application approval alone; treating seven-day opening convention as change-notice receipt | C035, C041 |\n| Over-limit consent/revocation | Consent and confirmation before fee; revocation as soon as reasonably practicable | Affirmative consent, confirmation sent, revocation and implementation events | General acceptance, silence, or a change notice | C077–C085 |\n| § 59 review | Generally at least every **six months**; appropriate reduction within **45 days after review** | Covered increase and review facts | Automatic six-payment restoration or guaranteed return to opening APR | C067 |\n\n## 4. Blank generic document-audit worksheet\n\n**All factual entries are intentionally blank.** This is a generic analytical worksheet, not an official notice, rejection form, agreement, records request, or authorization to collect records. No identifier fields are included.\n\n| Audit field | Blank entry | Required distinction or test | Claim links |\n| --- | --- | --- | --- |\n| Baseline agreement title, date, and version | — | Identify the relevant version without assuming formation or enforceability. | C001, C015, C089 |\n| Baseline disclosure version and applicable amendment sequence | — | Distinguish opening disclosures, later amendments, and notice of exercising an existing term. | C010–C015, C029 |\n| Consumer-purpose and product characteristics | — | Consumer/business; open-end; credit card/charge card; excluded overdraft/HELOC/hybrid gateway. | C002–C008 |\n| Applicable exemption-year/commitment facts | — | Coverage cannot be inferred from current balance alone. | C007 |\n| First usable date and selected opening-date method | — | Necessary first-year anchor; no assumed receipt date. | C035, C041 |\n| Exact old term and exact proposed new term | — | APR, margin, index, fee category, minimum payment, grace term, security, or other term. | C010, C013, C028, C039 |\n| Contract reservation or specific agreement language | — | Record language without treating it as permission or resolving assent. | C001, C012, C015 |\n| Claimed notice branch | — | § 9(b), (c)(2), (g), or a specified exception. | C011–C031 |\n| Complete notice content and relevant layout | — | Summary, reasons, effective date, affected balances, rights, format. | C023–C031, C088 |\n| Mailing, delivery, and electronic-provision facts | — | Separate printed date from actual provision and legal sufficiency. | C009, C033 |\n| Stated effective date and any actual implementation event | — | Notice period and implementation must be separately checked. | C011, C029, C043 |\n| Transaction categories and applicable baseline rates | — | Purchases, transfers, advances, or other separately priced categories. | C039–C045 |\n| Pre-notice / within-14-day / later transaction facts | — | Include transaction, posting, and actual-amount hold events where relevant. | C040, C042 |\n| Claimed § 55 exception and exact predicate | — | Identify the specific exception before applying it. | C044–C060 |\n| Variable-index publication and formula facts | — | Public/uncontrolled index; margin; observation convention; actual causal movement. | C047–C049 |\n| Temporary-period disclosures and endpoints | — | Duration, prominence, subsequent term, prior/during-period cohorts. | C017–C018, C044–C046 |\n| Required minimums, due dates, and credited receipts | — | Test actual 60-day nonreceipt; do not infer from a delinquency label. | C034, C050–C051 |\n| First post-effective due date and first six payment events | — | Test restoration sequence and affected cohort. | C052–C053 |\n| Workout terms, disclosure, and completion/failure event | — | Pre-arrangement ceiling; telephone-writing route; protected repayment. | C020–C021, C054–C055 |\n| Statutory-reduction beginning/end facts, if relevant | — | Do not presume protection ended or determine personal eligibility. | C056 |\n| Replacement-index authority, tenor, dates, margins, and comparison | — | Separate unavailable-index and LIBOR-specific routes; use amended OI. | C057–C060, C087 |\n| Rejection wording and disclosed method | — | Confirm the change is covered and the notice gives the required instructions. | C025, C068–C070 |\n| Rejection communication and notification/receipt facts | — | Preserve uncertainty about timeliness and processing. | C070–C071 |\n| Closure/suspension event and continuing credit availability | — | Distinguish rejection, access, substantive increase authority, and continuing balance. | C041, C061, C073 |\n| Relevant balance and repayment method | — | Compare against the correct § 55(c)(2)/§ 9(h) benchmark and date. | C063–C065, C075 |\n| Over-limit consent, confirmation, and revocation events | — | Separate § 56 consent from rejecting a change. | C077–C085 |\n| Continuing preexisting charges and asserted new charges | — | Neither universal freeze nor automatic permission. | C065–C066, C072–C076 |\n| Remaining contract/state-law/source-version questions | — | Keep formation, authority, other law, and currentness unresolved where outside this component. | C001, C086–C090 |\n\n## 5. Clearly hypothetical qualitative failure branches\n\nThese are **abstract stipulated branches**, not fictional account histories or identifier-bearing records. No dates, amounts, parties, or account identifiers are supplied. Each result is limited to the stated federal branch.\n\n| Example | Stipulated facts | Federal result versus unknown | Evidence conceptually needed | Adverse misclassification to avoid |\n| --- | --- | --- | --- | --- |\n| **R005-P1-H001 — Ordinary significant fee change** | A covered consumer card account is beyond its first year. An annual fee is increased. No special exception is stipulated. | The ordinary significant-change notice and applicable rejection branch must be satisfied. An account-wide fee is not automatically prohibited merely because a protected balance exists. Contract authority and other fee limits remain unknown. **C010–C011, C025, C065, C069–C075.** | Prior fee, proposed fee category, complete notice, provision/effective dates, access status, rejection facts. | “Notice makes the fee lawful”; or “any old balance prevents every annual-fee change.” |\n| **R005-P1-H002 — New purchase rate versus older balance** | The issuer invokes only § 55(b)(3), with an otherwise qualifying notice. Transactions fall on both sides of the 14-day boundary. | That exception excludes pre-notice and within-14-day transactions. Later transactions may receive the increase only when notice timing permits. A separate exception is not presumed. **C040–C043.** | Actual transaction/posting/hold facts, notice provision, effective date, category rates. | Applying the new APR to the entire statement balance; or beginning increased interest at the 14-day boundary. |\n| **R005-P1-H003 — Genuine variable movement** | A public external index changes; the margin remains constant; a predetermined observation method operates in both directions. | A genuine index-caused increase can qualify under § 55(b)(2) without a fresh § 9(c)(2) notice. The published Ninth Circuit opinion confirms that its specific month-end formula did not require daily matching. Actual formula conformity remains untested. **C019, C047–C049.** | Agreed formula, publication source, observation convention, old/new index values, unchanged margin, symmetric operation. | Treating every market movement as a discretionary 45-day change; or treating the word “variable” as enough to validate a margin increase. |\n| **R005-P1-H004 — Temporary rate expires** | A temporary rate ends after a disclosed period. The notice’s existence is stipulated, but duration, prominence, and cohort details are not. | No automatic approval follows. The notice exception and substantive six-month/ceiling requirements must both be established. Earlier balances and during-period transactions can have different ceilings. **C017–C018, C044–C046.** | Prior disclosure, usability/transaction anchor, period, post-period formula, pre-period and within-14-day cohorts. | “Promotional” means any increase is permitted; or every purchase receives an individual six-month period. |\n| **R005-P1-H005 — Claimed late-payment exception unproved** | A notice says “late payment” and proposes an increase on existing balances. No receipt chronology is supplied. | The § 55(b)(4) predicate is unproved. A shorter late event may support a properly noticed new-transaction branch after the first year, but does not itself establish old-balance authority. **C029, C041, C050–C051.** | Lawfully operative due date, required minimum, credited receipts, trigger date, post-trigger notice. | Equating any lateness, another obligation’s default, or two statement labels with the statutory 60-day test. |\n| **R005-P1-H006 — Workout ends or fails** | A reduced workout term ends. The original arrangement and pre-workout rate are unavailable. | § 55(b)(5) cannot be applied conclusively. Required prior disclosures, completion/failure, and pre-arrangement ceiling remain unknown. Protected-balance repayment limits cannot be waived through the workout. **C020–C021, C054–C055.** | Arrangement terms, disclosure method/timing, baseline rates/fees, completion/failure facts, protected repayment method. | Treating workout failure as permission for any penalty rate; treating completion as a guarantee of the reduced rate forever. |\n| **R005-P1-H007 — “Timely rejection” with unknown calendar** | A qualifying fee increase is stipulated. A rejection is described as timely, but the effective date, permitted channel, and notification date are unknown. | The right exists in principle; timeliness cannot be decided. If timely, the change cannot stand merely because processing was late. Closure may still be permitted, and the balance remains. **C070–C075.** | Complete instructions, effective date, channel, notification/receipt and processing facts, closure event. | Treating a mailing date as automatically sufficient; treating rejection as debt cancellation or guaranteed future credit. |\n| **R005-P1-H008 — Business/product scope unknown** | A document is called a “card agreement,” but purpose and access features are unspecified. | Coverage is unresolved. Consumer, business, charge-card, overdraft-access, HELOC, and hybrid distinctions must be made before assigning the requested protections. **C002–C008.** | Product characteristics, primary purpose, applicable exemption facts, card/access function. | Applying all consumer CARD Act rules because the document says “card”; excluding a charge card solely because it has no periodic APR. |\n| **R005-P1-H009 — Six payments claimed** | A qualifying delinquency increase is stipulated, followed by “six timely payments,” but their position in the sequence is unknown. | Mandatory § 55(b)(4) restoration is not established until the first-post-effective sequence and required amounts are verified. The protected cohort and other valid rate adjustments also matter. **C052–C053, C067.** | Effective date, first following due date, first six required minimums/receipts, transaction cohorts, baseline formula. | Assuming any later six payments restore every balance; assuming a temporary pre-increase APR must be restored after its lawful expiration. |\n| **R005-P1-H010 — Limit reduction plus over-limit fee** | A limit is reduced and a balance is now over it. The notice asserts that an over-limit fee and penalty rate will follow; consent facts are unknown. | The applicable reduced-limit notice, § 56 consent/fee conditions, and § 55 rate authority are separate. None is established by the reduction notice alone. **C022, C031, C077–C085.** | Reduction notice and dates, actual balance condition, affirmative consent/confirmation, transaction cause, cycle facts, rate exception. | Treating a lower limit as consent to fees or as authority to reprice all existing balances. |\n| **R005-P1-H011 — Other charge disclosed at election** | A charge is stipulated to fall within § 6(b)(3), outside the significant-change definition, and is disclosed before obligation. | The alternative § 9(c)(2)(iii) timing route may apply. Whether the classification and pre-obligation sequence are correct remains necessary; other law is not resolved. **C013, C039.** | Exact charge classification and disclosure/election sequence. | Automatically condemning every fee without 45 days’ notice; accepting a misleading fee label instead of classifying it. |\n| **R005-P1-H012 — LIBOR replacement and margin change** | A notice replaces LIBOR and changes a margin, but its chosen route and comparisons are missing. | This is not ordinary movement under § 55(b)(2). The applicable § 55(b)(7) route, tenor, reference values, margin, notice, and contract conditions must be established using amended OI. **C057–C060, C087.** | Original/replacement indices, availability, tenor, reference-date values, relevant prior margin, notice, contract language. | Using stale three-tenor commentary; treating an equal current APR as proof of the prescribed historical comparison; ignoring contract constraints. |\n| **R005-P1-H013 — First-year or closed-account notice** | An increase relies only on § 55(b)(3), but it would apply during the first year or while new transactions are unavailable. | That exception does not authorize application then. Issuing a notice is not the same as permissibly implementing it. A different exception must be independently established. **C035, C041.** | Opening/usability facts, access/closure dates, effective date, asserted exception. | “Forty-five days passed, so the increase is valid.” |\n| **R005-P1-H014 — Repayment method changes** | A protected balance or validly rejected change exists. A new repayment method is announced, without the old formula or relevant balance date. | No less-beneficial comparison can be completed. The rule uses alternative benchmarks; it does not promise five years in every case or cap the entire payment at twice its prior dollar amount. **C063–C064, C075.** | Prior payment formula, protected/rejection balance, correct benchmark date, proposed amortization/formula. | A universal five-year entitlement; doubling the total payment instead of examining the specified balance-percentage component. |\n| **R005-P1-H015 — Previously charged fees after rejection** | A valid rejection is stipulated; a preexisting periodic fee continues and a new “closure fee” is announced. | The preexisting fee is not automatically barred by rejection, subject to other law. A new fee imposed solely because of rejection is prohibited. The actual causal basis and legality remain unknown. **C072–C074.** | Before/after fee terms, rejection and closure sequence, reason for each charge. | “Rejection freezes all charges”; or “closure permits a new fee of any kind.” |\n\n## 6. Granular coverage table\n\n**“Answered” means the generic legal branch was investigated, not that actual facts were found.** “Partial” identifies a concrete authority/currentness limit. Proposed next steps below remain confined to public law, published opinions, official interpretations, and blank/model material; they do not authorize account or record investigation.\n\n| Coverage ID | Assigned subquestion or major branch | Status and reason | Claim / example links | Exact missing authority or facts | Next bounded permissible investigation |\n| --- | --- | --- | --- | --- | --- |\n| **CV01** | Necessary TILA creditor/card-issuer coverage | Answered generically | C002; H008 | No actual actor/agency facts | None needed for this generic component; any later legal issue would require a separately bounded authority question. |\n| **CV02** | Consumer and open-end coverage | Answered generically | C003, C007; H008 | Purpose, plan mechanics, opening/exemption facts unknown | Review only the specific unresolved legal gateway if later assigned. |\n| **CV03** | Defined card account versus other open-end credit | Answered | C004, C008 | Actual product unknown | No broader product survey. |\n| **CV04** | Business cards | Answered as exclusion boundary | C005; H008 | Primary-purpose facts unknown | No business-card merits investigation in this component. |\n| **CV05** | Charge cards | Answered | C006; H008 | Product’s actual fee/rate features unknown | Examine only a specifically identified rule distinction if separately authorized. |\n| **CV06** | HELOC, overdraft, hybrid exclusions | Answered as gateway; other-product merits excluded | C004 | Detailed hybrid/other-product classification held | Separate product-specific public-law component if requested. |\n| **CV07** | Full relevant §§ 1666i-1/-2 | Answered textually; currentness partial | C037–C038 | Complete post-compilation session-law audit absent | Public session laws/classification tables for the exact lag interval. |\n| **CV08** | § 1637 notice/cancellation/over-limit operative clauses | Answered relevant clauses | C011, C068, C077 | Same statutory-currentness limit | Same narrow public-law update check. |\n| **CV09** | Ordinary significant-change definition and notice | Answered | C010–C011; H001 | Actual changed term and notice unknown | No additional authority necessary for generic branch. |\n| **CV10** | Particular agreed change | Answered | C012 | Actual qualifying agreement facts held | No formation/consent adjudication. |\n| **CV11** | Nonsignificant other charges | Answered | C013; H011 | Actual fee classification and obligation sequence | Bounded classification authority only if later necessary. |\n| **CV12** | Added feature/check-only branch | Answered | C014 | Actual feature/check package unknown | Official blank check-disclosure model inspection if separately needed. |\n| **CV13** | Initially disclosed versus discretionary change | Answered | C015 | Baseline agreement/version unknown | Keep contract authority held. |\n| **CV14** | § 9(c)(2)(v)(A) exceptions | Answered | C016 | Whether an actual change matches an exception | None for abstract rule. |\n| **CV15** | Temporary-term notice exception | Answered | C017; H004 | Prior disclosure, period, prominence, later formula | No actual document investigation. |\n| **CV16** | Telephone temporary offer | Answered | C018 | Offer/disclosure/acceptance events unknown | No individualized deadline. |\n| **CV17** | Variable-index notice exception | Answered | C019; H003 | Formula and causal index movement unknown | Public generic formula authority only if a further legal question arises. |\n| **CV18** | Workout notice exception | Answered except returned-fee cross-reference | C020–C021; H006 | Duplicated (ix) versus OI (xi) remains unresolved | Check a published correction or directly applicable authoritative clarification. |\n| **CV19** | Credit-limit reduction notice | Answered | C022, C031; H010 | Reduction/date/balance facts unknown | None for generic branch. |\n| **CV20** | Exact change-notice contents | Answered | C023–C026 | No actual notice to inspect | Use blank models only; no account review. |\n| **CV21** | Exact format and redisclosure interactions | Answered textually; model pixels partial | C027–C028, C088 | G-20–G-23 image layout not visually inspected | Retrieve usable official model images through permitted public tools. |\n| **CV22** | § 9(g) triggering event and timing | Answered | C029; H005 | Event, provision, effectiveness unknown | No actual calendar reconstruction. |\n| **CV23** | § 9(g) contents, format, combination | Answered | C030 | Actual notice unknown | No further authority needed for generic rule. |\n| **CV24** | § 9(g)(4) conditional reduced-limit exception | Answered | C031; H010 | Relevant balance/test date unknown | No individual application. |\n| **CV25** | Calendar/business-day standards | Answered | C032, C034–C035 | Actual dates/acceptance practices unknown | Preserve legal units; no invented calculation. |\n| **CV26** | Mailing/receipt presumptions | Answered within assigned federal branches | C033–C036; H007 | Delivery/e-sign/contract/other-law facts held | Separate issue only if a concrete legal presumption question is later assigned. |\n| **CV27** | Notice versus authority | Answered throughout | C001, C039–C060; H001–H013 | Actual contract authority remains held | No contract-validity conclusion. |\n| **CV28** | New transactions versus existing balances | Answered | C040–C043; H002 | Cohort/transaction facts unknown | None for generic branch. |\n| **CV29** | First-year/closed/unavailable advance-notice restriction | Answered | C035, C041; H013 | Opening and availability facts unknown | No account investigation. |\n| **CV30** | Temporary exception: duration and ceilings | Answered | C044–C045; H004 | Disclosure/period/cohort facts unknown | None for generic branch. |\n| **CV31** | Contingent revocation/deferred interest intersection | Answered narrowly | C046 | Actual program and payment facts unknown | Full accrual/accounting remains held. |\n| **CV32** | Genuine variable-index authority and controls | Answered | C047–C049; H003 | Actual formula/index evidence absent | Published-law question only; no lender-specific data query. |\n| **CV33** | Material case holding/posture/disposition | Answered as issued; later history unresolved | C049; S016 | Subsequent precedential history not checked | Published later opinions only if strictly needed; no docket/status query. |\n| **CV34** | Actual delinquency predicate and new notice | Answered | C050–C051; H005 | Required minimum/due/receipt sequence unknown | No individual delinquency decision. |\n| **CV35** | Restoration after first six timely payments | Answered | C052–C053; H009 | First due date, sequence, amounts, cohorts unknown | No individualized restoration date. |\n| **CV36** | Workout authority and preserved repayment limits | Answered | C054–C055; H006 | Prior terms and completion/failure unknown | No settlement/waiver analysis. |\n| **CV37** | SCRA-related exception | Answered at § 55 level; underlying currentness partial | C056; S024 | 2026 SCRA amendment audit and all eligibility facts held | Read current public § 3937 and intervening amendments only if needed; no service-record query. |\n| **CV38** | Unavailable-index exception | Answered | C057 | Actual availability/history/comparison unknown | No replacement calculation. |\n| **CV39** | LIBOR-specific route and 2023 amendments | Answered, with example inconsistency flagged | C058–C060, C087; H012 | Actual tenor/margin/comparison; example correction unresolved | Published correction if material; broader LIBOR Act contract effects held. |\n| **CV40** | Continuing application after closure/acquisition/transfer | Answered narrowly | C061 | Actual transfer/assignment facts held | No chain-of-title or assignment investigation. |\n| **CV41** | Promotional waiver/rebate | Answered narrowly | C062 | Actual promotion/charge classification unknown | No general rewards or fee study. |\n| **CV42** | Protected balance and repayment options | Answered | C063–C065; H014 | Balance base and formulas unknown | No actual payment-plan or amount calculation. |\n| **CV43** | Necessary first-year fee overlay | Answered narrowly | C066 | Actual fee set/limit unknown | Penalty caps/reasonableness/underwriting remain excluded. |\n| **CV44** | § 59 restoration/review intersection | Answered narrowly | C067; H009 | Actual increase/review facts unknown | No creditworthiness assessment. |\n| **CV45** | Which changes can be rejected | Answered | C068–C069; H001, H007 | Actual change category unknown | No assumption of extra contractual rights. |\n| **CV46** | Rejection timing, channels, continued use | Answered | C070–C071; H007 | Notification and calendar facts unknown | No personalized rejection deadline. |\n| **CV47** | Rejection’s prohibited consequences | Answered | C072, C074; H015 | Causation and actual charges unknown | No liability/remedy determination. |\n| **CV48** | Closure, access, debt, repayment after rejection | Answered | C073–C075; H007, H014 | Closure date, relevant balance, lawful plan unknown | No actual debt-validity or settlement decision. |\n| **CV49** | Later delinquency exception to rejection | Answered | C076 | Qualifying later nonreceipt and second notice unknown | No individual determination. |\n| **CV50** | § 56 separate opt-in, notice, confirmation | Answered | C077–C079; H010 | Consent and sending events unknown | No account action or consent solicitation. |\n| **CV51** | § 56 revocation, joint consent, credit availability | Answered | C080–C083 | Actual joint-liability/consent facts unknown | Guarantor/spouse analysis remains held. |\n| **CV52** | § 56 fee-cycle and causation restrictions | Answered | C084–C085; H010 | Transactions/cycles/crediting unknown | § 52(b) dollar caps and reasonableness excluded. |\n| **CV53** | Blank audit worksheet | Delivered | Section 4; C089 | All fact fields intentionally blank | No records collection authorized by worksheet. |\n| **CV54** | At least eight hypothetical failure branches | Delivered: **15** | H001–H015 | Stipulations are abstract; no identifiers | No factual scenarios converted into actual-account conclusions. |\n| **CV55** | Source versions and status distinctions | Partial with precise limits | C086–C088; source register | Official annual CFR/session-law lag; limited publication inconsistencies | Narrow public amendment/correction checks only. |\n| **CV56** | Guidance-withdrawal check | Not triggered | Source register and read log | No circular, bulletin, or advisory used | If one is later used, check official withdrawal register and publisher status then. |\n| **CV57** | All other A005/parent dimensions | Excluded by assignment | C090; Section 9 | Authorities and facts intentionally not investigated | Separate authorized component; no parent closure inferred. |\n\n## 7. Read and failure log\n\n| Log item | What was actually done | Outcome and boundary |\n| --- | --- | --- |\n| **RL01 — Primary statutory retrieval** | Opened the requested House provisions and necessary adjacent operative clauses. | Initial endpoints failed; successful bodies were later read in S001–S003. No search snippet was substituted for the operative text. |\n| **RL02 — Statutory fallback** | Read GovInfo extracted statutory text and the identified 2024 edition. | Used to recover body text while House routes failed; edition/currency limits retained. Same statute in two presentations is not independent corroboration. |\n| **RL03 — Complete notice branches** | Read the full relevant § 9(c)(2), § 9(g), § 9(h), necessary § 9(b), and OI. | Included exceptions, content, format, timing, rejection, and reduced-limit conditions—not merely headings or summaries. |\n| **RL04 — Complete § 55 branches** | Read operative (a)–(e), all seven exception branches, and necessary OI. | Kept authority, cohorts, repayment, transfer, waiver/rebate, and restoration separate. |\n| **RL05 — Complete § 56** | Read (a)–(j) and OI. | Limited conclusions to over-limit consent/fee interactions; did not investigate penalty-fee dollar limits. |\n| **RL06 — Necessary cross-references** | Read bounded coverage, disclosure, payment, first-year fee, and rate-review provisions. | No broad APR/finance-charge, underwriting, origination, or servicing investigation. |\n| **RL07 — Amendment reconciliation** | Read 2021 and 2023 rule dates and the relevant 2023 amended clauses/OI. | Corrected reliance on stale LIBOR commentary by using the published amendment; preserved the separate inconsistent example. |\n| **RL08 — Workout-list discrepancy** | Compared the operative list on CFPB and eCFR with its OI. | Duplicate (ix) versus OI’s (xi) documented; no silent repair. |\n| **RL09 — Published opinion** | Read the complete majority and its disposition in S016. | Staff summary was not the holding source. Later history remained unchecked; no actual case record or docket-status investigation. |\n| **RL10 — Models and PDF presentation** | Read accessible official model text/descriptions and parsed PDF text. | Image calls yielded placeholders rather than usable inspected pixels. No claim of unseen full-form or PDF-layout inspection. |\n| **RL11 — Oversized/truncated responses** | Complete eCFR Supplement I retrieval failed on size; some multi-open responses were truncated. | Relevant necessary text was recovered through section-level reads and narrower published-rule reads. Truncated output was not counted as unseen text read. |\n| **RL12 — SCRA cross-reference** | Failed to retrieve the newer House route; read the 2024 GPO codification note. | Confirmed old app. § 527 cross-reference only; current eligibility and service-status questions remain held. |\n| **RL13 — Guidance status** | No CFPB circular, bulletin, advisory opinion, or other such guidance was used. | The official Withdrawn Guidance register was therefore **not invoked or represented as checked**. No withdrawal was treated as statutory repeal. |\n| **RL14 — Status audit limits** | Distinguished current-labelled compilations, historical final rules, the effective 2023 interim final rule, and the opinion as issued. | No proposed or future rule was substituted for operative text. No comprehensive stay/vacatur/repeal or session-law-lag conclusion was made. |\n\n## 8. Question → claim/source crosswalk\n\n| Assigned question | Answer location | Principal claims | Principal sources |\n| --- | --- | --- | --- |\n| **1. Necessary actors/products/consumer/open-end/card coverage and statutes** | Claim table 2A; coverage CV01–CV08 | C002–C009, C037–C039 | S001–S005, S002–S003 in particular |\n| **2. Complete relevant change/penalty notice branches, exceptions, timing, delivery, content** | Claim tables 2A–2B; timing matrix | C010–C036 | S006, necessary S004–S005/S009; amended OI in S014 |\n| **3. § 55 authority, all relevant exceptions, old/new balances, restoration, repayment** | Claim tables 2C–2D | C037–C067 | S002, S007, S010–S014; narrowly S016 and S024 |\n| **4. Rejection, closure/access/debt/repayment, § 56 intersection, narrow first-year overlay** | Claim tables 2D–2E | C065–C085 | S003, S006–S008, S010–S012 |\n| **5. Generic audit, eight or more qualitative branches, what notice cannot prove** | Worksheet; H001–H015; coverage table | C001, C036, C086–C090 and branch-specific claims | Sources identified for each underlying claim; no actual agreement/account source |\n| **Standards: actual primary reading, status, bounds, failures, no unseen foundation** | Source register; read log; Sections 1, 6, 9 | C086–C090 | S001–S024, with failures and partial reads expressly distinguished |\n\n## 9. Self-check — **not independent review**\n\nThis is a self-check of the same investigation, not a separate reviewer’s approval.\n\n| Check | Result |\n| --- | --- |\n| Notice distinguished from substantive authority | Yes; C001 and the exception-specific claims preserve the distinction. |\n| New transactions distinguished from older balances | Yes; 14-day cohort, effectiveness, posting/hold qualifications, and alternative exceptions are separate. |\n| Forty-five days treated as universal | No; specific agreed changes, other charges, checks, temporary terms, variable movements, workouts, and reduced-limit branches are separately addressed. |\n| Rejection treated as debt cancellation or guaranteed access | No; scope, closure/suspension, continuing charges, balance obligation, and repayment limits are separate. |\n| Every § 55 exception addressed | Yes; temporary, variable, advance notice, delinquency, workout, SCRA-related restoration, and index replacement. |\n| Numeric legal periods invented | No. Stated numbers come from the identified authorities; no individual deadline, award, debt amount, or payment plan was calculated. |\n| Statute/regulation/OI/preamble/opinion distinguished | Yes. Historical explanations do not replace current operative clauses. |\n| Currentness overstated | No. Compilation dates, eCFR date, effective dates, older commentary, textual inconsistencies, and later-history limits are recorded. |\n| Unseen forms or PDF pixels claimed read | No. Parsed text and image failures are expressly distinguished. |\n| Actual records or identities investigated | No. No real or invented identifiers were entered to test a record search. |\n| Independent legal review or acceptance claimed | No. This self-check records neither component acceptance nor parent/operations/publication acceptance. |\n\n### Specific parent holds retained\n\nThe following remain outside this component: actual contract formation and consent; e-sign validity; assignment; choice of law; arbitration; waiver; unconscionability; full disclosures, accrual, fee classification, origination and servicing; mortgages, auto, student, payday, BNPL, business, tribal, international and other-product merits; state, local and foreign consumer law; limitations, evidence, standing, remedies, litigation and court filing; guarantors, spouses and property; actual debt validity or amount; settlement; eligibility; creditworthiness; operational tools and all other A005 dimensions.\n\nThe unresolved publication and currentness items are specifically **the statutory compilation lag, lack of a complete official annual-CFR/session-law audit, the workout fee-list discrepancy, the inconsistent LIBOR example, uninspected image-only model layouts, the opinion’s unchecked later history, and the limited SCRA cross-reference currency**. Missing actual product, agreement, notice, transaction, payment, consent, and calendar facts remain missing; this report supplies no individualized liability or eligibility decision.\n\nEND R005 PASS-01\n\n","tables":[{"headers":["Source ID","Issuer, title, and complete literal HTTPS URL(s)","Exact clauses and actual read bounds; printed page / PDF index","Version, effective predicate, and currentness limits","Check / jurisdiction / 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Financial Protection Bureau\n+2"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/5/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1026/5/"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/6/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1026/6/"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/5/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau\n+2"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/9/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1026/9/"},{"href":"https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-B/section-1026.9?utm_source=chatgpt.com","text":"https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-B/section-1026.9"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/9/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau\n+3"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/55/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1026/55/"},{"href":"https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-G/section-1026.55?utm_source=chatgpt.com","text":"https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-G/section-1026.55"},{"href":"https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-G/section-1026.55?utm_source=chatgpt.com","text":"ecfr.gov\n+3"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/56/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1026/56/"},{"href":"https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-G/section-1026.56?utm_source=chatgpt.com","text":"https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-G/section-1026.56"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/56/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau\n+2"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/10/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1026/10/"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/10/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/52/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1026/52/"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/52/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau\n+1"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/59/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1026/59/"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/59/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau\n+1"}],[{"href":"https://www.federalregister.gov/documents/2010/02/22/2010-624/truth-in-lending?utm_source=chatgpt.com","text":"https://www.federalregister.gov/documents/2010/02/22/2010-624/truth-in-lending"},{"href":"https://www.govinfo.gov/content/pkg/FR-2010-02-22/pdf/2010-624.pdf?utm_source=chatgpt.com","text":"https://www.govinfo.gov/content/pkg/FR-2010-02-22/pdf/2010-624.pdf"},{"href":"https://www.govinfo.gov/content/pkg/FR-2010-02-22/pdf/2010-624.pdf?utm_source=chatgpt.com","text":"govinfo.gov\n+1"}],[{"href":"https://www.federalregister.gov/documents/2021/12/08/2021-25825/facilitating-the-libor-transition-regulation-z","text":"https://www.federalregister.gov/documents/2021/12/08/2021-25825/facilitating-the-libor-transition-regulation-z"},{"href":"https://www.govinfo.gov/content/pkg/FR-2021-12-08/pdf/2021-25825.pdf?utm_source=chatgpt.com","text":"https://www.govinfo.gov/content/pkg/FR-2021-12-08/pdf/2021-25825.pdf"},{"href":"https://www.govinfo.gov/content/pkg/FR-2021-12-08/pdf/2021-25825.pdf?utm_source=chatgpt.com","text":"govinfo.gov\n+1"}],[{"href":"https://www.federalregister.gov/documents/2023/05/11/2023-09129/facilitating-the-libor-transition-consistent-with-the-libor-act-regulation-z?utm_source=chatgpt.com","text":"https://www.federalregister.gov/documents/2023/05/11/2023-09129/facilitating-the-libor-transition-consistent-with-the-libor-act-regulation-z"},{"href":"https://www.govinfo.gov/content/pkg/FR-2023-05-11/pdf/2023-09129.pdf?utm_source=chatgpt.com","text":"https://www.govinfo.gov/content/pkg/FR-2023-05-11/pdf/2023-09129.pdf"},{"href":"https://www.federalregister.gov/documents/2023/05/11/2023-09129/facilitating-the-libor-transition-consistent-with-the-libor-act-regulation-z?utm_source=chatgpt.com","text":"federalregister.gov\n+2"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/g/","text":"https://www.consumerfinance.gov/rules-policy/regulations/1026/g/"},{"href":"https://files.consumerfinance.gov/eregulations/ER22DE11.031-2.png","text":"https://files.consumerfinance.gov/eregulations/ER22DE11.031-2.png"},{"href":"https://files.consumerfinance.gov/eregulations/ER22DE11.032-1.png","text":"https://files.consumerfinance.gov/eregulations/ER22DE11.032-1.png"},{"href":"https://files.consumerfinance.gov/eregulations/ER22DE11.032-2.png","text":"https://files.consumerfinance.gov/eregulations/ER22DE11.032-2.png"},{"href":"https://files.consumerfinance.gov/eregulations/ER22DE11.032-3.png","text":"https://files.consumerfinance.gov/eregulations/ER22DE11.032-3.png"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/G/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau\n+1"}],[{"href":"https://cdn.ca9.uscourts.gov/datastore/opinions/2025/12/29/24-4498.pdf?utm_source=chatgpt.com","text":"https://cdn.ca9.uscourts.gov/datastore/opinions/2025/12/29/24-4498.pdf"},{"href":"https://cdn.ca9.uscourts.gov/datastore/opinions/2025/12/29/24-4498.pdf?utm_source=chatgpt.com","text":"cdn.ca9.uscourts.gov"}],[{"href":"https://www.govinfo.gov/link/uscode/15/1666i-1?utm_source=chatgpt.com","text":"https://www.govinfo.gov/link/uscode/15/1666i-1"},{"href":"https://www.govinfo.gov/link/uscode/15/1637?utm_source=chatgpt.com","text":"https://www.govinfo.gov/link/uscode/15/1637"},{"href":"https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap41-subchapI-partD-sec1666i-1.htm?utm_source=chatgpt.com","text":"https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap41-subchapI-partD-sec1666i-1.htm"},{"href":"https://www.govinfo.gov/link/uscode/15/1666i-1?utm_source=chatgpt.com","text":"govinfo.gov\n+2"}],[{"href":"https://www.govinfo.gov/content/pkg/USCODE-2024-title50/html/USCODE-2024-title50-chap50-subchapII-sec3937.htm?utm_source=chatgpt.com","text":"https://www.govinfo.gov/content/pkg/USCODE-2024-title50/html/USCODE-2024-title50-chap50-subchapII-sec3937.htm"},{"href":"https://uscode.house.gov/us/usc/119-124/t50/s3937/","text":"https://uscode.house.gov/us/usc/119-124/t50/s3937/"}]],"rows":[["Source ID","Issuer, title, and complete literal HTTPS URL(s)","Exact clauses and actual read bounds; printed page / PDF index","Version, effective predicate, and currentness limits","Check / jurisdiction / outcome"],["R005-P1-S001","U.S. House, Office of the Law Revision Counsel, 15 U.S.C. §§ 1602, 1603. https://uscode.house.gov/us/usc/119-124/t15/s1602/ ; https://uscode.house.gov/us/usc/119-124/t15/s1603/","Necessary § 1602 actor, consumer, credit, open-end, card, and issuer provisions; § 1603 operative exemptions and relevant notes. HTML. Unrelated mortgage definitions were not a substantive foundation.","Pages stated laws through P.L. 119-124, October 15, 2026. Compilation currency is not proof that every later enactment was checked.","2026-10-27 / US federal / Fresh body read. \nuscode.house.gov\n+1"],["R005-P1-S002","House OLRC, 15 U.S.C. §§ 1666i-1, 1666i-2. https://uscode.house.gov/us/usc/119-118/t15/s1666i-1/ ; https://uscode.house.gov/us/usc/119-118/t15/s1666i-2/","Complete operative § 1666i-1(a)–(d), § 1666i-2(a)–(b) and displayed source/effective-date notes. HTML.","Although URLs contain 119-118, retrieved bodies stated laws through P.L. 119-120, October 7, 2026. Added May 22, 2009; relevant statutory effective-date note uses nine months after enactment. No complete later-session-law audit.","2026-10-27 / US federal / Fresh complete relevant body read; recovered after other endpoints failed. \nuscode.house.gov\n+1"],["R005-P1-S003","House OLRC, 15 U.S.C. § 1637. https://uscode.house.gov/us/usc/119-124/t15/s1637/","Complete relevant (i) notice/cancellation, (k) over-limit election, (n) first-year-fee restriction; relevant (o) payment-date text also read. HTML. Not a read of every unrelated subsection.","Body stated laws through P.L. 119-124, October 15, 2026. Historical staged implementation checked against S012.","2026-10-27 / US federal / Fresh bounded body read. \nuscode.house.gov\n+1"],["R005-P1-S004","CFPB, Regulation Z §§ 1026.1, .2, .3 and OI. 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/","§ 1(c); § 2(a)(6)–(8), (11), (12), (14), (15), necessary (17), (20), with relevant OI; § 3(a), (b) and relevant business/open-end exemption comments. HTML.","CFPB “current regulation” presentation. § 3(b) comment includes 2026 threshold $73,400. This is a coverage gateway, not an exhaustive excluded-product study. § 2(a)(28)’s amended benchmark definition was also read in S014.","2026-10-27 / US federal / Fresh relevant body and OI read. \nConsumer Financial Protection Bureau\n+2"],["R005-P1-S005","CFPB, §§ 1026.5, .6 and OI. https://www.consumerfinance.gov/rules-policy/regulations/1026/5/ ; https://www.consumerfinance.gov/rules-policy/regulations/1026/6/","§ 5(a), relevant (c), (d); § 6(b)(1), relevant (b)(2) categories, (b)(3)(i)–(ii), (b)(4), with necessary OI. HTML. No full finance-charge or fee-classification investigation.","CFPB current-labelled presentation. Used for notice form, disclosure cross-references, and the three § 55 fee groups; actual e-sign compliance held.","2026-10-27 / US federal / Fresh bounded read. \nConsumer Financial Protection Bureau\n+2"],["R005-P1-S006","CFPB and OFR/GPO eCFR, § 1026.9, Subsequent disclosure requirements. https://www.consumerfinance.gov/rules-policy/regulations/1026/9/ ; https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-B/section-1026.9","Complete relevant (b)(1)–(3), (c)(2), (g), (h) and inline OI; operative core cross-checked in eCFR. CFPB body read bounds included lines 80–141, 209–382, 473–593. HTML. LIBOR OI amendment reconciled with S014.","eCFR displayed Title 12 through 10/23/2026. Source note includes 76 FR 79772 and 86 FR 69781. The workout cross-reference inconsistency remains flagged in C021.","2026-10-27 / US federal / Fresh complete assigned branches; alternate presentations are one regulatory source family. \nConsumer Financial Protection Bureau\n+3"],["R005-P1-S007","CFPB and eCFR, § 1026.55, Limitations on increasing APRs, fees, and charges. https://www.consumerfinance.gov/rules-policy/regulations/1026/55/ ; https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-G/section-1026.55","Complete operative (a)–(e), every (b)(1)–(7) exception, and relevant inline OI, including repayment, closure/transfer, and promotional-waiver comments. HTML. Older displayed LIBOR comments were checked against S014’s amended text.","eCFR through 10/23/2026; section source note: 76 FR 79772; 86 FR 69782; 88 FR 30622. Title-level amendment date is not this section’s amendment date.","2026-10-27 / US federal / Fresh body read; identified and reconciled an OI version mismatch. \necfr.gov\n+3"],["R005-P1-S008","CFPB and eCFR, § 1026.56, Requirements for over-the-limit transactions. https://www.consumerfinance.gov/rules-policy/regulations/1026/56/ ; https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-G/section-1026.56","Complete (a)–(j) and inline OI, CFPB substantive lines 56–198; operative eCFR text cross-checked. HTML.","eCFR Title 12 through 10/23/2026. This pass does not determine permissible penalty-fee dollar amounts under § 52(b).","2026-10-27 / US federal / Fresh complete read. \nConsumer Financial Protection Bureau\n+2"],["R005-P1-S009","CFPB, § 1026.10, Payments. https://www.consumerfinance.gov/rules-policy/regulations/1026/10/","Necessary (a)–(d) and payment-receipt, conforming-payment, cutoff, and nonacceptance-day OI. HTML, substantive read principally lines 56–127.","Current-labelled presentation; used only to avoid equating mailing, posting, and receipt when evaluating a delinquency predicate.","2026-10-27 / US federal / Fresh bounded read. \nConsumer Financial Protection Bureau"],["R005-P1-S010","CFPB, § 1026.52(a), First-year fee limitations, and OI. https://www.consumerfinance.gov/rules-policy/regulations/1026/52/","Complete necessary (a) and OI, including comment 52(a)(1)-4 opening-date methods. HTML, relevant lines 56–138.","Current-labelled presentation. § 52(b) penalty-fee amounts, reasonableness, and associated litigation were not investigated.","2026-10-27 / US federal / Fresh bounded read. \nConsumer Financial Protection Bureau\n+1"],["R005-P1-S011","CFPB, § 1026.59, Reevaluation of rate increases. https://www.consumerfinance.gov/rules-policy/regulations/1026/59/","Operative (a)–(h) and necessary OI read; used for the narrow distinction between review and § 55(b)(4) restoration. Updated LIBOR-related OI checked in S014. HTML.","Current-labelled presentation; covered historical increases are those specified in the rule, including its January 1, 2009 predicate. No individualized underwriting or creditworthiness assessment.","2026-10-27 / US federal / Fresh bounded substantive use. \nConsumer Financial Protection Bureau\n+1"],["R005-P1-S012","Federal Reserve Board, Truth in Lending, 75 FR 7658, February 22, 2010, final rule. https://www.federalregister.gov/documents/2010/02/22/2010-624/truth-in-lending ; https://www.govinfo.gov/content/pkg/FR-2010-02-22/pdf/2010-624.pdf","Dates and staged implementation; § 9(h) preamble explaining APR rejection, especially printed p. 7706 / PDF index 48; opening dates p. 7658 / index 0. Relevant HTML preamble also read. Full PDF is 268 pages, 7658–7925; not all read.","Historical predecessor final rule, generally effective February 22, 2010; specified formatting compliance July 1, 2010. Notice statute’s earlier August 20, 2009 stage distinguished. Used as explanation, not as a substitute for current § 1026 text.","2026-10-27 / US federal / Fresh selected preamble and dates. \ngovinfo.gov\n+1"],["R005-P1-S013","CFPB, Facilitating the LIBOR Transition (Regulation Z), 86 FR 69716, December 8, 2021, final rule. https://www.federalregister.gov/documents/2021/12/08/2021-25825/facilitating-the-libor-transition-regulation-z ; https://www.govinfo.gov/content/pkg/FR-2021-12-08/pdf/2021-25825.pdf","Dates p. 69716 / index 0; selected transition/contract discussion pp. 69757–69758 / indices 41–42; relevant current operative amendments checked through S006–S007. PDF is 85 pages, 69716–69800; not all read.","Relevant provisions effective April 1, 2022; mandatory reduced-margin change-notice treatment October 1, 2022. Certain original LIBOR language subsequently amended by S014. Unrelated later Appendix H date not applied to cards.","2026-10-27 / US federal / Fresh selected final-rule text. \ngovinfo.gov\n+1"],["R005-P1-S014","CFPB, Facilitating the LIBOR Transition Consistent With the LIBOR Act (Regulation Z), 88 FR 30598, May 11, 2023. https://www.federalregister.gov/documents/2023/05/11/2023-09129/facilitating-the-libor-transition-consistent-with-the-libor-act-regulation-z ; https://www.govinfo.gov/content/pkg/FR-2023-05-11/pdf/2023-09129.pdf","Dates p. 30598 / index 0; amended §§ 2(a)(28), 55(b)(7)(ii), pp. 30622–30623 / indices 24–25; amended OI 9(c)(2)(iv), pp. 30623–30624 / indices 25–26; complete relevant 55(b)(7) OI, pp. 30628–30630 / indices 30–32, read through published HTML/XML; selected PDF text directly read. Necessary § 59(f) update also read.","Interim final rule effective May 15, 2023—not merely a proposal because comments were invited. Full PDF 35 pages, 30598–30632; not all read. Governs the updated four-tenor benchmark discussion used here.","2026-10-27 / US federal / Fresh amended operative text and OI; example inconsistency preserved. \nfederalregister.gov\n+2"],["R005-P1-S015","CFPB, Appendix G—Open-End Model Forms and Clauses. https://www.consumerfinance.gov/rules-policy/regulations/1026/g/ ; G-20 image https://files.consumerfinance.gov/eregulations/ER22DE11.031-2.png ; G-21 https://files.consumerfinance.gov/eregulations/ER22DE11.032-1.png ; G-22 https://files.consumerfinance.gov/eregulations/ER22DE11.032-2.png ; G-23 https://files.consumerfinance.gov/eregulations/ER22DE11.032-3.png","G-20–G-23 headings and their descriptions in § 9 OI; G-25(A)/(B) textual clauses read. HTML. Model-image retrieval produced placeholders; direct G-20 image access also failed. Full image layout/body not visually inspected.","Official models, not real agreements. Their sample fee figures are not treated as current legal caps. Worksheet below is an analytical worksheet, not a government form or claimed safe harbor.","2026-10-27 / US federal / Fresh textual read; image-inspection limitation. \nConsumer Financial Protection Bureau\n+1"],["R005-P1-S016","U.S. Court of Appeals for the Ninth Circuit, Milliken v. Bank of America, N.A., published majority, December 29, 2025. https://cdn.ca9.uscourts.gov/datastore/opinions/2025/12/29/24-4498.pdf","Entire majority, printed pp. 4–13 / indices 3–12, plus cover p. 1 / index 0, read as extracted text. Staff summary pp. 2–3 was not the holding foundation. Relevant analysis pp. 7–12 / indices 6–11; disposition p. 13 / index 12.","Appeal from Rule 12(b)(6) dismissal; majority affirmed. Used only for the variable-index/cycle question. Later history not checked; no docket-status query. No claim of nationwide finality or absence of negative history.","2026-10-27 / Ninth Circuit federal / Fresh published majority read, no case-record investigation. \ncdn.ca9.uscourts.gov"],["R005-P1-S017","GPO GovInfo, statutory fallback presentations. https://www.govinfo.gov/link/uscode/15/1666i-1 ; https://www.govinfo.gov/link/uscode/15/1637 ; https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap41-subchapI-partD-sec1666i-1.htm","First PDF: complete relevant §§ 1666i-1 and adjacent 1666i-2, pp. 1544–1545 / indices 0–1. § 1637 PDF: relevant (i), (k), (n), (o), pp. 1487–1488 / indices 7–8 of 13 pages, not whole document. 2024 HTML § 1666i-1 complete.","Dynamic-link PDFs did not expose a sufficiently verified edition in the retrieved metadata. Explicit 2024 edition is historical. Later successful House bodies in S002–S003 supplied the better currency labels.","2026-10-27 / US federal / Fresh fallback reads; not independent corroboration of the same statute. \ngovinfo.gov\n+2"],["R005-P1-S024","GPO, 50 U.S.C. § 3937, 2024 edition; failed newer House route. https://www.govinfo.gov/content/pkg/USCODE-2024-title50/html/USCODE-2024-title50-chap50-subchapII-sec3937.htm ; https://uscode.house.gov/us/usc/119-124/t50/s3937/","GPO operative (a)–(e) and notes read; used here only for the codification note identifying former 50 U.S.C. app. § 527 as § 3937. HTML.","Historical 2024 edition. House route inaccessible. No 2026 SCRA eligibility, service-status, remedies, or full amendment audit.","2026-10-27 / US federal / Fresh codification read; newer-body failure preserved."]]},{"headers":["Source ID","Official target and complete literal HTTPS URL(s)","Actual result / read bounds","Version and consequence","Check / jurisdiction"],"index":1,"links":[{"href":"https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section1666i-1&num=0&edition=prelim","text":"https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section1666i-1&num=0&edition=prelim"},{"href":"https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section1666i-2&num=0&edition=prelim&utm_source=chatgpt.com","text":"https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section1666i-2&num=0&edition=prelim"},{"href":"https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section1637&num=0&edition=prelim","text":"https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section1637&num=0&edition=prelim"},{"href":"https://uscode.house.gov/view.xhtml?req=(title:15+section:1666i-2+edition:prelim)&utm_source=chatgpt.com","text":"https://uscode.house.gov/view.xhtml?req=%28title%3A15+section%3A1666i-2+edition%3Aprelim%29"},{"href":"https://uscode.house.gov/view.xhtml?req=(title:15+section:1666i-1+edition:prelim)&utm_source=chatgpt.com","text":"https://uscode.house.gov/view.xhtml?req=%28title%3A15+section%3A1666i-1+edition%3Aprelim%29"},{"href":"https://uscode.house.gov/view.xhtml?req=(title:15%20section:1637%20edition:prelim)","text":"https://uscode.house.gov/view.xhtml?req=(title:15%20section:1637%20edition:prelim)"},{"href":"https://uscode.house.gov/us/usc/119-124/t15/s1666i-1/","text":"https://uscode.house.gov/us/usc/119-124/t15/s1666i-1/"},{"href":"https://uscode.house.gov/us/usc/119-124/t15/s1666i-2/","text":"https://uscode.house.gov/us/usc/119-124/t15/s1666i-2/"},{"href":"https://uscode.house.gov/us/usc/t15/s1666i-1/","text":"https://uscode.house.gov/us/usc/t15/s1666i-1/"},{"href":"https://uscode.house.gov/us/usc/t15/s1666i-2/","text":"https://uscode.house.gov/us/usc/t15/s1666i-2/"},{"href":"https://uscode.house.gov/us/usc/119-134/t15/s1666i-1/","text":"https://uscode.house.gov/us/usc/119-134/t15/s1666i-1/"},{"href":"https://uscode.house.gov/us/usc/119-134/t15/s1666i-2/","text":"https://uscode.house.gov/us/usc/119-134/t15/s1666i-2/"},{"href":"https://uscodeweb1.house.gov/view.xhtml?edition=prelim&req=granuleid:USC-prelim-title15-chapter41-subchapter1&saved=|Z3JhbnVsZWlkOlVTQy1wcmVsaW0tdGl0bGUxNS1zZWN0aW9uMTYwMg==|||0|false|prelim&utm_source=chatgpt.com","text":"https://uscodeweb1.house.gov/view.xhtml?edition=prelim&req=granuleid%3AUSC-prelim-title15-chapter41-subchapter1&saved=%7CZ3JhbnVsZWlkOlVTQy1wcmVsaW0tdGl0bGUxNS1zZWN0aW9uMTYwMg%3D%3D%7C%7C%7C0%7Cfalse%7Cprelim"},{"href":"https://www.govinfo.gov/link/uscode/15/1666i-2","text":"https://www.govinfo.gov/link/uscode/15/1666i-2"},{"href":"https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap41-subchapI-partD-sec1666i-2.htm","text":"https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap41-subchapI-partD-sec1666i-2.htm"},{"href":"https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap41-subchapI-partB-sec1637.htm","text":"https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap41-subchapI-partB-sec1637.htm"},{"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"}],"row_links":[[],[{"href":"https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section1666i-1&num=0&edition=prelim","text":"https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section1666i-1&num=0&edition=prelim"},{"href":"https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section1666i-2&num=0&edition=prelim&utm_source=chatgpt.com","text":"https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section1666i-2&num=0&edition=prelim"},{"href":"https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section1637&num=0&edition=prelim","text":"https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section1637&num=0&edition=prelim"}],[{"href":"https://uscode.house.gov/view.xhtml?req=(title:15+section:1666i-2+edition:prelim)&utm_source=chatgpt.com","text":"https://uscode.house.gov/view.xhtml?req=%28title%3A15+section%3A1666i-2+edition%3Aprelim%29"},{"href":"https://uscode.house.gov/view.xhtml?req=(title:15+section:1666i-1+edition:prelim)&utm_source=chatgpt.com","text":"https://uscode.house.gov/view.xhtml?req=%28title%3A15+section%3A1666i-1+edition%3Aprelim%29"},{"href":"https://uscode.house.gov/view.xhtml?req=(title:15%20section:1637%20edition:prelim)","text":"https://uscode.house.gov/view.xhtml?req=(title:15%20section:1637%20edition:prelim)"}],[{"href":"https://uscode.house.gov/us/usc/119-124/t15/s1666i-1/","text":"https://uscode.house.gov/us/usc/119-124/t15/s1666i-1/"},{"href":"https://uscode.house.gov/us/usc/119-124/t15/s1666i-2/","text":"https://uscode.house.gov/us/usc/119-124/t15/s1666i-2/"},{"href":"https://uscode.house.gov/us/usc/t15/s1666i-1/","text":"https://uscode.house.gov/us/usc/t15/s1666i-1/"},{"href":"https://uscode.house.gov/us/usc/t15/s1666i-2/","text":"https://uscode.house.gov/us/usc/t15/s1666i-2/"},{"href":"https://uscode.house.gov/us/usc/119-134/t15/s1666i-1/","text":"https://uscode.house.gov/us/usc/119-134/t15/s1666i-1/"},{"href":"https://uscode.house.gov/us/usc/119-134/t15/s1666i-2/","text":"https://uscode.house.gov/us/usc/119-134/t15/s1666i-2/"}],[{"href":"https://uscodeweb1.house.gov/view.xhtml?edition=prelim&req=granuleid:USC-prelim-title15-chapter41-subchapter1&saved=|Z3JhbnVsZWlkOlVTQy1wcmVsaW0tdGl0bGUxNS1zZWN0aW9uMTYwMg==|||0|false|prelim&utm_source=chatgpt.com","text":"https://uscodeweb1.house.gov/view.xhtml?edition=prelim&req=granuleid%3AUSC-prelim-title15-chapter41-subchapter1&saved=%7CZ3JhbnVsZWlkOlVTQy1wcmVsaW0tdGl0bGUxNS1zZWN0aW9uMTYwMg%3D%3D%7C%7C%7C0%7Cfalse%7Cprelim"}],[{"href":"https://www.govinfo.gov/link/uscode/15/1666i-2","text":"https://www.govinfo.gov/link/uscode/15/1666i-2"},{"href":"https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap41-subchapI-partD-sec1666i-2.htm","text":"https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap41-subchapI-partD-sec1666i-2.htm"},{"href":"https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap41-subchapI-partB-sec1637.htm","text":"https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap41-subchapI-partB-sec1637.htm"}],[{"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"}]],"rows":[["Source ID","Official target and complete literal HTTPS URL(s)","Actual result / read bounds","Version and consequence","Check / jurisdiction"],["R005-P1-S018","House preliminary endpoints: https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section1666i-1&num=0&edition=prelim ; https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section1666i-2&num=0&edition=prelim ; https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section1637&num=0&edition=prelim","Respectively server error, maintenance response, and not-found response. No operative body established through those attempts. HTML; pages N/A.","Recovered relevant bodies through S002–S003. Preliminary endpoint labels did not establish a current edition.","2026-10-27 / US federal / Failure."],["R005-P1-S019","Alternate House queries: https://uscode.house.gov/view.xhtml?req=%28title%3A15+section%3A1666i-2+edition%3Aprelim%29 ; https://uscode.house.gov/view.xhtml?req=%28title%3A15+section%3A1666i-1+edition%3Aprelim%29 ; https://uscode.house.gov/view.xhtml?req=(title:15%20section:1637%20edition:prelim)","Server-error responses; no usable statutory body from these routes.","Search-index snippets were discovery only. Successful body reads, not snippets, support the report.","2026-10-27 / US federal / Failure."],["R005-P1-S020","Other House routes: https://uscode.house.gov/us/usc/119-124/t15/s1666i-1/ ; https://uscode.house.gov/us/usc/119-124/t15/s1666i-2/ ; https://uscode.house.gov/us/usc/t15/s1666i-1/ ; https://uscode.house.gov/us/usc/t15/s1666i-2/ ; https://uscode.house.gov/us/usc/119-134/t15/s1666i-1/ ; https://uscode.house.gov/us/usc/119-134/t15/s1666i-2/","Inaccessible through the public retrieval tool. No body read from these endpoints.","S002’s successful bodies remain bounded by their displayed compilation date. A newer-looking URL is not proof of newer text.","2026-10-27 / US federal / Failure."],["R005-P1-S021","House alternate host/chapter route: https://uscodeweb1.house.gov/view.xhtml?edition=prelim&req=granuleid%3AUSC-prelim-title15-chapter41-subchapter1&saved=%7CZ3JhbnVsZWlkOlVTQy1wcmVsaW0tdGl0bGUxNS1zZWN0aW9uMTYwMg%3D%3D%7C%7C%7C0%7Cfalse%7Cprelim","Timeout; no usable chapter-body read.","Individual successful statutory sections used instead.","2026-10-27 / US federal / Failure."],["R005-P1-S022","GovInfo failed routes: https://www.govinfo.gov/link/uscode/15/1666i-2 ; https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap41-subchapI-partD-sec1666i-2.htm ; https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap41-subchapI-partB-sec1637.htm","Inaccessible. § 1666i-2 recovered in adjacent PDF text and later House body; § 1637 recovered separately.","Failed historical routes do not negate the operative provisions.","2026-10-27 / US federal / Failure."],["R005-P1-S023","eCFR, complete Supplement I: https://www.ecfr.gov/current/title-12/chapter-X/part-1026/appendix-Supplement%20I%20to%20Part%201026","Retrieval rejected as content too large, exceeding the tool’s approximately 4 MB response limit. No complete Supplement I body read from this route.","Relevant OI read on CFPB section pages and reconciled with S014. No claim to have read all Regulation Z commentary.","2026-10-27 / US federal / Failure, bounded alternative reads."]]},{"headers":["Claim ID / area","Precise claim","Trigger, conditions, and exceptions","Source pinpoint","Status / limits"],"index":2,"links":[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/9/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau\n+2"},{"href":"https://uscode.house.gov/us/usc/119-124/t15/s1602/?utm_source=chatgpt.com","text":"uscode.house.gov\n+2"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/2/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau\n+1"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/2/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"},{"href":"https://uscode.house.gov/us/usc/119-124/t15/s1603/?utm_source=chatgpt.com","text":"uscode.house.gov\n+2"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/2/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/3/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/9/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau\n+2"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/5/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau\n+1"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/9/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/9/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/9/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/9/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/9/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau\n+2"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/9/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"}],"row_links":[[],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/9/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau\n+2"}],[{"href":"https://uscode.house.gov/us/usc/119-124/t15/s1602/?utm_source=chatgpt.com","text":"uscode.house.gov\n+2"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/2/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau\n+1"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/2/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"}],[{"href":"https://uscode.house.gov/us/usc/119-124/t15/s1603/?utm_source=chatgpt.com","text":"uscode.house.gov\n+2"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/2/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/3/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/9/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau\n+2"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/5/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau\n+1"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/9/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/9/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/9/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/9/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/9/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau\n+2"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/9/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"}]],"rows":[["Claim ID / area","Precise claim","Trigger, conditions, and exceptions","Source pinpoint","Status / limits"],["R005-P1-C001 — Separate legal gates","Notice compliance and substantive authority are distinct. A notice cannot itself establish permission to increase a rate on a particular balance.","Establish coverage, applicable § 9 notice, applicable § 55 exception, affected cohort, and remaining contract/other-law constraints separately.","S006, OI 9(c)(2)-1, -2 and 9(g)-1; S007, § 55(a), (b). \nConsumer Financial Protection Bureau\n+2","L/OI; actual contract legality held."],["R005-P1-C002 — Actors","“Creditor” and “card issuer” are legal coverage concepts, not merely labels on a notice.","General creditor rules include regular extension and the initial-payee test; card-specific tests also exist. A card issuer includes its relevant agent, but ordinary processing services alone do not establish agency.","S001, § 1602; S004, §§ 1(c), 2(a)(7), (17), relevant OI. \nuscode.house.gov\n+2","L/OI; no entity or agency determination."],["R005-P1-C003 — Consumer/open-end gateway","The ordinary target is consumer credit, primarily for personal, family, or household purposes, under an open-end plan.","Necessary open-end features include reasonably contemplated repeated transactions and replenishing credit; the regulation’s card-specific rules must also be considered.","S001, § 1602; S004, § 2(a)(11), (12), (20), OI. \nConsumer Financial Protection Bureau\n+1","L/OI; no general debt taxonomy or APR-definition rerun."],["R005-P1-C004 — Defined CARD Act account","The defined “credit card account under an open-end (not home-secured) consumer credit plan” is narrower than every credit device.","§ 2(a)(15)(ii) excludes § 40 home-equity plans, debit-card-accessed overdraft lines, and specified account-number-accessed overdraft lines. The last exclusion has a covered hybrid prepaid-credit exception.","S004, § 2(a)(15)(i)–(iv), OI 2(a)(15)-4. \nConsumer Financial Protection Bureau","L/OI; hybrid/prepaid classification not independently investigated beyond this gateway."],["R005-P1-C005 — Business cards","A business-purpose card does not acquire these consumer protections merely because some purchases are personal.","Conversely, occasional business use does not by itself convert a consumer-purpose card into exempt business credit. Limited issuance/unauthorized-use provisions can apply more broadly, but do not import §§ 9, 55, 56 wholesale.","S001, § 1603(1); S004, § 3(a), OI 3(a)-2 and 2(a)(8)-4. \nuscode.house.gov\n+2","L/OI; unknown purpose remains unknown."],["R005-P1-C006 — Charge cards","Charge cards generally fall within references to credit cards and the defined consumer card account in subparts B and G.","A charge card has no periodic rate used to compute a finance charge. That does not categorically remove fee-change or over-limit rules; expressly differentiated provisions remain differentiated.","S004, § 2(a)(15)(iii), OI 2(a)(15)-3. \nConsumer Financial Protection Bureau","L/OI; no assumption that every APR rule has a factual application to a no-periodic-rate product."],["R005-P1-C007 — Dollar-amount exclusion","The general large-credit exemption can be a necessary coverage issue.","The retrieved 2026 threshold is $73,400. Open-end treatment depends on the applicable initial extension or qualifying firm written commitment and the rule’s conditions; a later balance alone is not the test.","S004, § 3(b)(1)–(2), OI 3(b)-3, -4. \nConsumer Financial Protection Bureau","L/OI; opening date, applicable year, commitment, and exclusions unknown. No amount calculation."],["R005-P1-C008 — Different scopes","§§ 9(c)(2) and 9(g) govern non-§ 40 open-end plans more broadly; §§ 55, 56 and the specific § 9(h) rejection branch use the narrower defined card-account scope.","A product may require a change notice without receiving every § 55 or § 56 protection.","S006, §§ 9(c)(2)(i), (g)(1), (h); S007–S008 scope clauses. \nConsumer Financial Protection Bureau\n+2","L; product classification must precede application."],["R005-P1-C009 — Notice form and recipients","Required written notices generally must be clear, conspicuous, and retainable; applicable electronic-delivery requirements remain separate.","§ 5(a) supplies the general form rule, subject to stated exceptions. § 5(d) addresses multiple consumers/creditors and permits specified single-recipient delivery; “each affected consumer” is read with that rule.","S005, § 5(a), (d); S006, OI 9(g)-2. \nConsumer Financial Protection Bureau\n+1","L/OI; actual consent, e-sign, address, recipient, and delivery validity held."],["R005-P1-C010 — Significant change","“Significant” is defined by specified disclosure categories, not a subjective assessment of importance.","Changes to § 6(b)(1)/(2) terms, an increase in the required minimum periodic payment, a § 6(b)(4) term change, or acquisition of a security interest qualify.","S006, § 9(c)(2)(ii); S005, § 6(b). \nConsumer Financial Protection Bureau","L; fee classification must be established, not assumed."],["R005-P1-C011 — Ordinary 45-day notice","A significant change ordinarily requires written notice at least 45 days before its effective date.","Express exceptions are in (i)(B), (iii), and (v). An existing contractual penalty triggered without changing contractual terms is ordinarily noticed under (g) instead of (c)(2).","S006, § 9(c)(2)(i)(A). \nConsumer Financial Protection Bureau","L; not a universal 45-day rule for every change or fee."],["R005-P1-C012 — Particular agreed change","The narrow agreed-change branch permits notice as late as the effective date.","It covers substituted collateral or a relatively unique change needed for additional credit. General reservation language, account use, accepting a generally applicable unilateral change, reopening, or upgrading do not qualify.","S006, § 9(c)(2)(i)(B). \nConsumer Financial Protection Bureau","L; this procedural exception does not establish contract formation or substantive permission."],["R005-P1-C013 — Other plan charges","For a new or increased § 6(b)(3) charge that is not a significant change, the creditor has a different notice choice.","Subject to the reduced-limit rule, either give the prescribed 45-day notice or disclose the charge’s amount before the consumer agrees to or becomes obligated to pay it; the latter disclosure may be oral or written.","S006, § 9(c)(2)(iii)(A)–(B), OI; S005, § 6(b)(3). \nConsumer Financial Protection Bureau","L/OI; classification and pre-obligation timing remain necessary."],["R005-P1-C014 — Added features and checks","Adding a feature can require both § 9(b) disclosures and § 9(c) advance notice; one notice can satisfy both.","Checks subject to § 9(b)(3) have their own on/with-check disclosure branch and a § 9(c) exception. That branch still does not override § 55.","S006, § 9(b)(1)–(3), OI 9(c)(2)-4; S007, § 55(b)(3)(i). \nConsumer Financial Protection Bureau\n+2","L/OI; not a blanket exemption for all new transactions."],["R005-P1-C015 — Initially disclosed versus discretionary","A specifically disclosed future change can avoid a later change notice only when the relevant conditions are satisfied.","A properly disclosed qualifying temporary rate or variable formula differs from a contract merely authorizing discretionary changes. The latter still requires applicable notice.","S006, OI 9(c)(2)-1; § 9(c)(2)(v). \nConsumer Financial Protection Bureau","OI/L; reservation language proves neither agreement to a particular change nor legality."]]},{"headers":["Claim ID / area","Precise claim","Trigger, conditions, and exceptions","Source pinpoint","Status / limits"],"index":3,"links":[{"href":"https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-B/section-1026.9?utm_source=chatgpt.com","text":"ecfr.gov\n+1"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/9/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau\n+1"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/9/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/9/?utm_source=chatgpt.com","text":"Consumer Financial Protection 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Bureau\n+1"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/9/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/9/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau\n+1"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/9/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau\n+1"}],[{"href":"https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-B/section-1026.9?utm_source=chatgpt.com","text":"ecfr.gov\n+1"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/9/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/9/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"}],[{"href":"https://www.federalregister.gov/documents/2023/05/11/2023-09129/facilitating-the-libor-transition-consistent-with-the-libor-act-regulation-z?utm_source=chatgpt.com","text":"federalregister.gov"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/9/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/9/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau\n+2"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/9/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"}],[{"href":"https://www.federalregister.gov/documents/2023/05/11/2023-09129/facilitating-the-libor-transition-consistent-with-the-libor-act-regulation-z?utm_source=chatgpt.com","text":"federalregister.gov"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/9/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/9/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/9/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/2/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau\n+1"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/9/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau\n+2"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/10/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/52/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau\n+1"}],[]],"rows":[["Claim ID / area","Precise claim","Trigger, conditions, and exceptions","Source pinpoint","Status / limits"],["R005-P1-C016 — Other no-notice branches","§ 9(c)(2)(v)(A) exempts specified changes from this change-notice requirement.","These include documentary-evidence charges, reductions of charge components, suspension/termination, certain court-proceeding agreements, grace-period extensions, and check-only changes governed by § 9(b)(3). Reduced-limit protections remain; LIBOR margin reductions have a stated exception. OI also addresses names, insurers, operation of law, and properly disclosed skip features.","S006, § 9(c)(2)(v)(A), OI -1, -2; S013. \necfr.gov\n+1","L/OI; “no notice under this branch” does not mean “no legal constraints.”"],["R005-P1-C017 — Temporary-term notice exception","Expiration of a disclosed period can avoid a fresh § 9(c)(2) notice.","Before commencement, disclose the period and subsequent rate/fee clearly, in writing, with the required proximity and prominence to the first listing. The later term cannot exceed what was disclosed; a disclosed variable formula must remain the same.","S006, § 9(c)(2)(v)(B), OI -6 to -10. \nConsumer Financial Protection Bureau\n+1","L/OI; this notice exception alone does not establish § 55’s six-month condition or dispose of another notice provision."],["R005-P1-C018 — Telephone temporary offer","OI permits delayed written temporary-offer disclosures in a narrow telephone branch.","Telephone acceptance; required disclosures and applicable rejection right given in the offer; writing as soon as reasonably practicable after the first covered transaction/fee. Generally allow rejection and reinstatement for 45 days after mailing/delivery of that writing, unless the post-offer term does not exceed the pre-offer term.","S006, OI 9(c)(2)(v)-5. \nConsumer Financial Protection Bureau","OI; this offer-rejection accommodation is distinct from the general § 9(h) APR exclusion."],["R005-P1-C019 — Variable movement notice exception","A qualifying index-driven rate increase does not require a fresh § 9(c)(2) change notice.","The rate varies under a properly disclosed plan according to an index available to the public and outside the creditor’s control; this does not excuse changing the margin or formula.","S006, § 9(c)(2)(v)(C), OI -12; S007, § 55(b)(2). \nConsumer Financial Protection Bureau\n+1","L/OI; “variable” printed on a notice is insufficient proof."],["R005-P1-C020 — Workout notice exception","Completion or failure of a qualifying workout can avoid a fresh § 9(c)(2) notice for the specified restoration.","Required terms must be disclosed beforehand; telephone disclosure may be followed by writing as soon as reasonably practicable. Disclosures include arrangement and post-arrangement rates/covered fees/minimums and relevant timely-payment conditions. Post-arrangement terms must satisfy the specified ceiling/formula conditions.","S006, § 9(c)(2)(v)(D), OI -11; S007, § 55(b)(5). \nConsumer Financial Protection Bureau\n+1","L/OI; fee-list inconsistency separately preserved in C021."],["R005-P1-C021 — Workout text inconsistency","The retrieved operative workout notice provision contains a duplicated fee reference.","Both CFPB and eCFR display (ix) twice, while OI 9(c)(2)(v)-11.iii includes (xi), returned-payment fees. This report does not silently substitute one for the other or give an unqualified returned-payment-fee exemption conclusion.","S006, § 9(c)(2)(v)(D); OI -11.iii. \necfr.gov\n+1","U—published-text inconsistency. A verified correction or further controlling authority would be needed for that disputed subbranch."],["R005-P1-C022 — Credit-limit reduction","A limit reduction itself does not universally require 45 days’ advance notice, but resulting over-limit consequences have a notice constraint.","Before imposing an over-limit fee or penalty rate solely because the balance exceeds the reduced limit, provide the required 45-day notice; § 9(c)(2)(vi) permits oral or written notice. §§ 55 and 56 remain separate constraints.","S006, § 9(c)(2)(vi), OI 9(c)(2)(v)-1.i. \nConsumer Financial Protection Bureau","L/OI; not authority to reprice old balances or charge an over-limit fee."],["R005-P1-C023 — General change-notice content","The notice must describe the change, its effective date, and required contextual information.","§ 9(c)(2)(iv)(A) requires the summary, statement that terms change, applicable additional-information/opt-out references, penalty-rate interaction, and identification of balances receiving an increased APR and balances retaining the current rate.","S006, § 9(c)(2)(iv)(A)(1)–(8). \nConsumer Financial Protection Bureau","L; a printed assertion about affected balances does not establish substantive authority."],["R005-P1-C024 — Reasons for APR increase","A covered card APR-increase notice must give no more than four principal reasons, ranked by importance.","The reasons must accurately describe factors actually considered. A violation on the affected account must be specifically identified if among those principal reasons; there is no mandated minimum number.","S006, § 9(c)(2)(iv)(A)(8), OI -11; § 9(g)(3)(i)(A)(6), OI 9(g)-7; S014 amended OI. \nfederalregister.gov","L/OI; stated reasons are not independent proof that their factual predicates occurred."],["R005-P1-C025 — Rejection disclosures","Where the rejection branch applies, the notice must disclose the right, its timing, a usable toll-free method, and applicable loss of future credit access.","It must state rejection before the effective date, the specified delinquency qualification, instructions and toll-free number, and whether use for further advances will terminate or be suspended.","S006, § 9(c)(2)(iv)(B)(1)–(3). \nConsumer Financial Protection Bureau","L; exclusions are detailed in C069."],["R005-P1-C026 — Delinquency restoration disclosures","A qualifying more-than-60-day increase requires disclosure of the six-payment restoration condition for the old/within-14-day cohort.","The first qualifying payment is the first due after the increase takes effect. A covered fee increase under (c)(2)(iv)(C) must also state the reason; § 9(g) supplies the analogous rate disclosure.","S006, §§ 9(c)(2)(iv)(C), 9(g)(3)(i)(B); S007, § 55(b)(4)(i). \nConsumer Financial Protection Bureau\n+2","L; notice language does not prove delinquency or later restoration compliance."],["R005-P1-C027 — Change-notice format","The required change summary generally uses a table with headings and format substantially similar to G-17.","Minimum-payment increases, specified non-table § 6(b)(4) terms, and security-interest descriptions have stated table exceptions. Statement notices use the front of any statement page; separate notices use the front of the first page or a segregated page, subject to the rule’s continuation and ordering requirements.","S006, § 9(c)(2)(iv)(D)(1)–(3). \nConsumer Financial Protection Bureau","L; actual layout not inspected."],["R005-P1-C028 — Formula and related-term disclosures","Margin/index changes require disclosure of the resulting rate and its variable character; fixed/variable conversions generally require notice even if the immediate rate falls.","Specified temporary/workout/statutory reductions and restoration exceptions apply. Changing a penalty rate, trigger, or duration requires redisclosure of the related penalty terms; changing a fee component requires the relevant full fee formula.","S006, OI 9(c)(2)(iv)-1 to -6; S014 updated version. \nfederalregister.gov","OI; notice does not establish authority for the conversion on protected balances."],["R005-P1-C029 — § 9(g) trigger and sequence","A delinquency/default/penalty rate notice generally must be written, provided after the triggering event, and at least 45 days before the increase takes effect.","Applies to non-§ 40 plans; § 9(g)(4) supplies a special reduced-limit route. A pre-event contractual disclosure is not the required post-trigger notice.","S006, § 9(g)(1)–(2). \nConsumer Financial Protection Bureau","L; trigger occurrence remains factual."],["R005-P1-C030 — § 9(g) content and format","A penalty notice must state the trigger, effective date, cessation conditions or potentially indefinite duration, affected balances, applicable protected balances, and required principal reasons/restoration information.","On/with a statement, use the required table on the front of a page, above a combined change notice. A separate notice begins on its first-page front and has restrictions on unrelated content; permitted combinations remain available.","S006, § 9(g)(3)(i)–(ii). \nConsumer Financial Protection Bureau","L; no conclusion about any unseen notice."],["R005-P1-C031 — § 9(g)(4) reduced-limit route","The alternative reduced-limit penalty notice is conditional, not unconditional permission to impose the rate.","Written notice at least 45 days before imposition must disclose the reduction, test date, nonimposition if the balance is within the limit on that date, duration, and affected/protected balances. The creditor must honor the nonimposition condition and prescribed format.","S006, § 9(g)(4)(i)–(iii). \nConsumer Financial Protection Bureau","L; § 55 independently limits old-balance repricing."],["R005-P1-C032 — Calendar versus business days","The relevant 45-, 14-, and 60-day periods are not business-day periods.","The text uses days without a business-day qualification. § 2(a)(6)’s office-open definition and its special Sundays/federal-holidays definition do not convert these periods into excluded-weekend calculations. Months, billing cycles, and payment sequences remain their stated units.","S004, § 2(a)(6); S006–S007 timing clauses. \nConsumer Financial Protection Bureau\n+1","L/I; no actual calendar calculation performed."],["R005-P1-C033 — No imported receipt presumption","These change-notice branches do not supply a universal three-business-day deemed-receipt rule.","The relevant anchor is provision of the required notice; the telephone-offer accommodation expressly uses mailing/delivery. A document’s printed date alone does not prove legally sufficient provision. Mortgage receipt presumptions are not imported.","S006, § 9(c)(2)(i), (g)(2), OI 9(c)(2)(v)-5; S004, § 2(a)(6). \nConsumer Financial Protection Bureau\n+2","L/I; contract, electronic-delivery validity, and any separate applicable-law presumption held."],["R005-P1-C034 — Payment receipt is different","Payment mailing, creditor receipt, crediting, and collection are not interchangeable dates.","§ 10 generally requires crediting as of receipt, subject to its conditions. Its next-business-day protection where payments are not accepted on the due date uses the next day the creditor accepts/receives mailed payments; it does not automatically extend available electronic/telephone methods.","S009, § 10(a)–(d), OI; S003, § 1637(o). \nConsumer Financial Protection Bureau","L/OI; this is a payment rule, not a change-notice mailing presumption."],["R005-P1-C035 — Opening-date convention","The first-year restriction is measured from a permitted opening date no earlier than usability.","Comment 52(a)(1)-4 permits specified first-use, activation, or seven-days-after-mailing/delivery of opening disclosures methods, with stated conditions and a reasonable-procedure adjustment. § 55 imports these methods.","S010, OI 52(a)(1)-4; S007, OI 55(b)(3)-7. \nConsumer Financial Protection Bureau\n+1","OI; this seven-day convention is not presumed receipt of a change notice."],["R005-P1-C036 — No actual deadline","No personalized effective date, rejection deadline, delinquency date, or restoration date can be established here.","Provision/delivery facts, the legally operative due dates, payment receipts, transaction dates, effective date, first post-effective payment, and billing-cycle boundaries were not supplied or investigated.","Audit inference from C011, C029, C032–C035, C040–C053.","I/U; legal periods are retained without inventing calendar facts."]]},{"headers":["Claim ID / area","Precise claim","Trigger, conditions, and exceptions","Source pinpoint","Status / limits"],"index":4,"links":[{"href":"https://uscode.house.gov/us/usc/119-118/t15/s1666i-1/?utm_source=chatgpt.com","text":"uscode.house.gov"},{"href":"https://uscode.house.gov/us/usc/119-118/t15/s1666i-2/?utm_source=chatgpt.com","text":"uscode.house.gov"},{"href":"https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-G/section-1026.55?utm_source=chatgpt.com","text":"ecfr.gov\n+2"},{"href":"https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-G/section-1026.55?utm_source=chatgpt.com","text":"ecfr.gov"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/55/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/55/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau\n+1"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/55/?utm_source=chatgpt.com","text":"Consumer Financial Protection 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Financial Protection Bureau"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/55/?utm_source=chatgpt.com","text":"Consumer Financial Protection 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Bureau\n+2"}],[{"href":"https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-G/section-1026.55?utm_source=chatgpt.com","text":"ecfr.gov\n+1"}],[{"href":"https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-G/section-1026.55?utm_source=chatgpt.com","text":"ecfr.gov\n+1"}],[{"href":"https://www.federalregister.gov/documents/2023/05/11/2023-09129/facilitating-the-libor-transition-consistent-with-the-libor-act-regulation-z?utm_source=chatgpt.com","text":"federalregister.gov\n+1"}],[{"href":"https://www.federalregister.gov/documents/2023/05/11/2023-09129/facilitating-the-libor-transition-consistent-with-the-libor-act-regulation-z?utm_source=chatgpt.com","text":"federalregister.gov\n+2"}]],"rows":[["Claim ID / area","Precise claim","Trigger, conditions, and exceptions","Source pinpoint","Status / limits"],["R005-P1-C037 — Statutory existing balance","§ 1666i-1 prohibits increases in APRs, fees, or finance charges on outstanding balances except its specified branches.","The statute addresses disclosed-period expiration, public uncontrolled indices, workout completion/failure, and qualifying 60-day nonpayment; it also governs repayment. Its “outstanding balance” definition uses the amount owed at the end of the 14th day after proper notice.","S002, § 1666i-1(a)–(d), complete. \nuscode.house.gov","Statute; regulatory implementation and transaction-date OI must also be read."],["R005-P1-C038 — Statutory first year/promotion","§ 1666i-2 supplies a first-year restriction and a minimum promotional-APR period.","Its first-year exception cross-references § 1666i-1(b)(1)–(4). Promotional APR increases generally cannot occur before the six-month period ends, subject to authorized regulatory exceptions.","S002, § 1666i-2(a)–(b), complete. \nuscode.house.gov","Statute; not a statement that every card fee is frozen for a year."],["R005-P1-C039 — § 55’s regulated terms","§ 55(a) covers APRs and specifically the fees/charges disclosed under § 6(b)(2)(ii), (iii), and (xii).","These are issuance/availability charges; fixed finance/minimum-interest charges; and required insurance/debt-cancellation/debt-suspension coverage. The rule does not label every card fee a § 55 fee.","S007, § 55(a); S005, exact § 6(b)(2) clauses. \necfr.gov\n+2","L; statute and regulation use different wording and are not silently merged."],["R005-P1-C040 — Advance-notice balance cohorts","Under § 55(b)(3), an increased term disclosed under § 9(b) cannot reach earlier transactions; a § 9(c)/(g) increase cannot reach transactions before or within 14 days after provision.","Compliance with applicable notice is necessary. Protection is against that increase under that exception, not every separately authorized future movement.","S007, § 55(b)(3)(i)–(ii). \necfr.gov","L; no actual transaction classification."],["R005-P1-C041 — First year, closure, unavailable credit","The advance-notice exception cannot be used during the first year, while the account is closed, or while new transactions are not permitted.","Notice may precede the permissible application date. OI permits a limited delay to the next cycle if unavailable on the original effective date; continued unavailability then requires a new notice. Other independently satisfied exceptions remain distinct.","S007, § 55(b)(3)(iii), OI -6, -7. \nConsumer Financial Protection Bureau","L/OI; closure is not universal immunity from all previously applicable charges."],["R005-P1-C042 — Transaction-date qualifications","Transaction date generally controls, but posting and estimated-hold rules can change the § 55 classification.","A within-14-day transaction not charged before the effective date may be treated as later. For an estimated merchant hold, the relevant date is when the issuer receives the actual transaction amount.","S007, OI 55(b)-4; 55(b)(3)-4.iii. \nConsumer Financial Protection Bureau\n+1","OI; authorization date alone is insufficient."],["R005-P1-C043 — Effective date and interest","Eligibility of a later transaction for an increase does not permit charging the increased rate before the required notice effective date.","This concerns increases requiring the § 9(c)/(g) notice. It must not be generalized into a prohibition on every billing-cycle application of a genuine variable-index formula.","S007, OI 55(b)-2; S016, pp. 9–10. \nConsumer Financial Protection Bureau\n+1","OI/J; formula and exception matter."],["R005-P1-C044 — Temporary exception: duration/disclosure","§ 55(b)(1) permits expiration increases only after a specified period of at least six months, with required prior written disclosure.","The period ordinarily runs no earlier than disclosure or later usability. For a single transaction it runs at least six months from that transaction; a qualifying transaction-window promotion does not necessarily give each transaction its own six months.","S007, § 55(b)(1)(i), OI -1, -2. \nConsumer Financial Protection Bureau","L/OI; notice exception C017 is not a substitute for this substantive test."],["R005-P1-C045 — Temporary exception: cohort ceilings","Expiration does not permit one indiscriminate post-promotion rate on all balances.","Pre-period transactions cannot exceed their pre-period term under this branch; if disclosures were under § 9(c), within-14-day transactions have the specified prior-category ceiling; during-period transactions cannot exceed the disclosed subsequent term.","S007, § 55(b)(1)(ii)(A)–(C). \nConsumer Financial Protection Bureau\n+1","L; other independent exceptions may affect the applicable rate."],["R005-P1-C046 — Contingencies and deferred interest","A discretionary or event-contingent revocation is not merely expiration of a specified period.","A minor late payment or missed spending condition does not itself authorize old-balance repricing under (b)(1). Deferred-interest programs have specific disclosed-duration/rate conditions; a qualifying (b)(4) increase and later restoration have distinct treatment, including no automatic refund of previously imposed deferred interest.","S007, OI 55(b)(1)-3, -4. \nConsumer Financial Protection Bureau","OI; no broader accrual or deferred-interest accounting study."],["R005-P1-C047 — Genuine variable-index exception","§ 55(b)(2) requires a public index outside the issuer’s control and an APR increase actually caused by its increase.","Own prime/cost-of-funds indices, a floor preventing corresponding decreases, or discretionary index-value selection can fail the test. A maximum cap is distinguished from a minimum floor.","S007, § 55(b)(2), OI -1, -2. \nConsumer Financial Protection Bureau\n+1","L/OI; no actual index series or agreement examined."],["R005-P1-C048 — Formula changes are different","Increasing a margin or changing the rate-determination method is not authorized merely by the variable-rate exception.","This remains true even without an immediate numerical increase. OI allows some changes in measurement day; that is not blanket discretion to choose an advantageous index value. Fixed-to-variable conversion cannot evade protection of the existing fixed-rate balance.","S007, OI 55(b)(2)-1 through -4. \nConsumer Financial Protection Bureau\n+1","OI; index replacement has its own C057–C060 branch."],["R005-P1-C049 — Material published opinion","In Milliken, the Ninth Circuit held that the stipulated public-prime-plus-constant-margin, fixed month-end observation formula could qualify without daily matching of index changes.","The majority distinguished discretionary manipulation and the notice-based no-pre-effective-interest commentary; it affirmed dismissal.","S016, majority pp. 7–12, disposition p. 13. \ncdn.ca9.uscourts.gov","J; Ninth Circuit, as issued. Later history held; not a universal validation of all variable-rate methods."],["R005-P1-C050 — Actual delinquency predicate","§ 55(b)(4) requires nonreceipt of the required minimum periodic payment within 60 days after its due date.","“Late,” “default,” a missed payment elsewhere, or a notice’s assertion is insufficient by itself. OI compares amounts received with the first outstanding required minimum; generic “two missed statements” language is not the legal test.","S007, § 55(b)(4), OI -1; S002, § 1666i-1(b)(4). \nConsumer Financial Protection Bureau","L/OI; required amount, due date, and receipt remain unproved."],["R005-P1-C051 — Later old-balance penalty requires proper notice","An earlier notice based on a shorter delinquency does not, merely by aging, prove compliance for a later old-balance increase under (b)(4).","The qualifying event and applicable post-trigger 45-day notice must be established. A later notice may be necessary; the earlier notice cannot be assumed to satisfy a condition that had not occurred.","S006, § 9(g)(2); S007, § 55(b)(4); OI 9(g)-1. \nConsumer Financial Protection Bureau\n+1","L/I; no actual sequence reconstructed."],["R005-P1-C052 — Mandatory six-payment restoration","If the first six consecutive required minimum payments beginning with the first due after effectiveness are received on/before their due dates, § 55(b)(4)(ii) requires restoration for the specified older cohort.","The cohort is transactions before or within 14 days after the notice. This is not a promise that any later six timely payments automatically restore every transaction’s rate.","S007, § 55(b)(4)(ii), OI -3; S006 restoration disclosures. \nConsumer Financial Protection Bureau\n+1","L/OI; first due date, six receipts, and cohort unknown."],["R005-P1-C053 — Restoration qualifications","Restoration can reflect another independently valid exception and has a stated implementation accommodation.","An expired qualifying temporary rate or genuine variable movement can affect the restored rate. OI permits implementation on the next cycle’s first day when the restoration date falls mid-cycle. Separate § 59 review may remain relevant.","S007, OI 55(b)(4)-3.ii–iii; S011. \nConsumer Financial Protection Bureau","OI; no universal return to the original opening APR."],["R005-P1-C054 — Workout substantive authority","§ 55(b)(5) permits specified increases on completion or failure of a workout only with required prior disclosure and a ceiling for pre-arrangement transactions.","The restored term for those transactions cannot exceed the pre-arrangement term under this exception. Other valid exceptions can separately affect that ceiling; oral-telephone disclosure has the prescribed prompt-writing route.","S007, § 55(b)(5)(i)–(ii), OI -2, -3; S006, § 9(c)(2)(v)(D). \nConsumer Financial Protection Bureau","L/OI; completion/failure and earlier terms must be proved."],["R005-P1-C055 — Workout is not a waiver of § 55","A workout does not permit the issuer to contract around § 55’s substantive or protected-balance repayment requirements.","Any increase still needs an exception; a protected balance cannot be required to repay on terms exceeding § 55(c)’s limits merely because a workout is involved.","S007, OI 55(b)(5)-1. \nConsumer Financial Protection Bureau","OI; no settlement, waiver, or actual workout validity determination."],["R005-P1-C056 — SCRA-related restoration","§ 55(b)(6) permits specified restoration when the legal protection causing the reduction no longer applies.","For transactions predating the reduction, this branch cannot exceed the pre-reduction term; other exceptions remain separate. Applicable change notice is still required. The fee-rejection exclusion has its own pre-reduction ceiling.","S007, § 55(b)(6), OI -1, -2; S006, § 9(c)(2)(iv)(B); S024 codification note. \nConsumer Financial Protection Bureau\n+2","L/OI; old app. § 527 reference identified as current § 3937 in the 2024 Code. Actual eligibility/end date and 2026 SCRA audit held."],["R005-P1-C057 — Unavailable-index replacement","§ 55(b)(7)(i) permits a replacement index and margin after the original index becomes unavailable, subject to substantial-similarity conditions.","Historical fluctuations must be substantially similar; the resulting rate must be substantially similar to the rate at unavailability. A new index without history has the specified rate test. Updated LIBOR OI ordinarily uses the unavailability-day values, or the previous calendar day both were published, subject to the Board-selected exception.","S007, § 55(b)(7)(i); S014, OI 55(b)(7)(i)-1, -2. \necfr.gov\n+1","L/OI; actual unavailability and comparison not established."],["R005-P1-C058 — Separate LIBOR transition route","§ 55(b)(7)(ii) permits a qualifying LIBOR replacement on or after April 1, 2022, without making unavailability the same prerequisite as (i).","It uses specified October 18, 2021 index comparisons and the relevant margin. OI defines the prior margin by reference to immediately before provision of the replacement notice. If the replacement was unpublished on the reference date, the general fallback is the next calendar day both were published.","S007, § 55(b)(7)(ii); S014, OI 55(b)(7)(ii)-1 to -3. \necfr.gov\n+1","L/OI; not a license for an arbitrary replacement margin."],["R005-P1-C059 — Updated benchmark conditions","The 2023 amendment covers Board-selected consumer-loan replacements for 1-, 3-, 6-, and 12-month U.S. dollar LIBOR.","The specified comparison uses LIBOR’s June 30, 2023 value and the replacement’s first published value. Updated OI supplies historical-similarity and same-margin deemed-compliance treatment. Its prime-index determination is narrower—1- and 3-month LIBOR—and does not dispense with the rate/margin test.","S014, § 2(a)(28), § 55(b)(7)(ii), OI 55(b)(7)(i)/(ii). \nfederalregister.gov\n+1","L/OI; broader LIBOR Act contract effects are held."],["R005-P1-C060 — Replacement notice and contract limits","Index replacement is a change requiring the applicable notice, not ordinary movement of an unchanged index.","From October 1, 2022, the specified LIBOR margin-reduction change also must be disclosed. A narrow estimate accommodation applies to an unpublished Board-selected replacement, unchanged margin, publication by effectiveness, and best available information clearly labelled an estimate. Neither § 55(b)(7) route excuses contract noncompliance.","S006, § 9(c)(2)(v)(A); S013; S014, OI 9(c)(2)(iv)-2.ii and 55(b)(7)-1. \nfederalregister.gov\n+2","L/OI; contract interpretation and actual replacement calculation held."]]},{"headers":["Claim ID / area","Precise claim","Trigger, conditions, and exceptions","Source pinpoint","Status / limits"],"index":5,"links":[{"href":"https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-G/section-1026.55?utm_source=chatgpt.com","text":"ecfr.gov\n+1"},{"href":"https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-G/section-1026.55?utm_source=chatgpt.com","text":"ecfr.gov\n+1"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/55/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/55/?utm_source=chatgpt.com","text":"Consumer Financial Protection 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Bureau"}],"row_links":[[],[{"href":"https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-G/section-1026.55?utm_source=chatgpt.com","text":"ecfr.gov\n+1"}],[{"href":"https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-G/section-1026.55?utm_source=chatgpt.com","text":"ecfr.gov\n+1"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/55/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/55/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/55/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/52/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau\n+2"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/59/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau\n+2"}],[{"href":"https://uscode.house.gov/us/usc/119-124/t15/s1637/?utm_source=chatgpt.com","text":"uscode.house.gov\n+2"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/9/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau\n+1"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/9/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/9/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/9/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau\n+1"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/9/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau\n+1"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/9/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/9/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/9/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"}]],"rows":[["Claim ID / area","Precise claim","Trigger, conditions, and exceptions","Source pinpoint","Status / limits"],["R005-P1-C061 — Continuing application","§ 55 continues after closure, acquisition by another creditor, and specified same-issuer/affiliate/subsidiary transfers.","The same-group transfer clause has an express destination-account exception for § 40 plans. Acquisition of an account is not automatically equated with a consumer’s unrelated new balance-transfer transaction.","S007, § 55(d), OI. \necfr.gov\n+1","L/OI; no actual assignment or chain-of-title determination."],["R005-P1-C062 — Promotional waivers/rebates","Ending a promoted and applied waiver/rebate of covered interest or fees can constitute an increase under § 55.","The rule cannot be avoided simply by calling the lower effective term a waiver or rebate. OI distinguishes specified goodwill adjustments and rewards not promoted as reductions of covered charges.","S007, § 55(e), OI. \necfr.gov\n+1","L/OI; no full rewards or fee-classification analysis."],["R005-P1-C063 — Protected balance is a defined category","§ 55(c)’s “protected balance” is not every balance that existed before any event.","It is the amount for a transaction category to which a § 55(b)(3) increase cannot apply. OI explains why this specific paragraph is not itself the first-year repayment rule and why changing a balance-computation method is not categorically prohibited by § 55.","S007, § 55(c)(1), OI -1 to -4. \nConsumer Financial Protection Bureau","L/OI; other rules, including § 54 where relevant, remain separate."],["R005-P1-C064 — Repayment alternatives","Repayment of a protected balance cannot be less beneficial than one of three permitted methods.","The benchmarks are the prior method; amortization over at least five years beginning no earlier than effectiveness; or a minimum payment whose balance-percentage component is no more than twice the prior percentage. A different method is allowed if no less beneficial than one benchmark.","S007, § 55(c)(2)(i)–(iii), OI. S002, § 1666i-1(c). \nConsumer Financial Protection Bureau","L/OI; not an absolute five-year entitlement, not twice the entire payment, and not a statutory consumer-choice menu."],["R005-P1-C065 — Account-wide fees and old balances","The existence of a protected balance does not prohibit every account-wide fee increase.","After the first year, an annual or maintenance fee can potentially be added/increased with applicable notice and rejection rights, subject to availability/closure and other conditions. The fee cannot be imposed after a valid rejection.","S007, OI 55(c)(1)-3; S006, § 9(h). \nConsumer Financial Protection Bureau","OI/L; “old balance” is not a universal fee freeze."],["R005-P1-C066 — Narrow first-year fee overlay","§ 52(a) limits required fees during the first year to 25% of the applicable credit limit under its rules.","Periodic interest, specified late/over-limit/returned-payment fees, and fees not required to be paid have stated exclusions. A later limit increase does not expand the allowance; a reduction can require correction. Being below the cap does not legalize an otherwise prohibited fee.","S010, § 52(a), OI; S003, § 1637(n). \nConsumer Financial Protection Bureau\n+2","L/OI; no fee amount or penalty-reasonableness determination."],["R005-P1-C067 — Separate rate review","§ 59 review is different from the automatic conditional restoration in § 55(b)(4).","Covered actually imposed APR increases must generally be reviewed at least every six months; an appropriate reduction must take effect within 45 days after review. Delinquency timing, termination, SCRA/charged-off/qualifying-LIBOR exceptions apply. A transition does not erase an existing review duty.","S011, § 59(a)–(h); S014 relevant updated OI. \nConsumer Financial Protection Bureau\n+2","L/OI; no guarantee of return to opening APR and no individualized review performed."],["R005-P1-C068 — Statutory cancellation and regulatory rejection","§ 1637(i) uses cancellation language; the current § 9(h) implementation does not provide a general APR-change rejection right.","The 2010 preamble explains removal of the APR opt-out approach in light of automatic existing-balance protections. The statute, current regulation, and historical explanation are distinct source levels.","S003, § 1637(i)(3)–(4); S006, §§ 9(c)(2)(iv)(B), 9(h); S012, p. 7706 / index 48. \nuscode.house.gov\n+2","Statute/L/P; no adjudication of a statutory cause of action or remedy."],["R005-P1-C069 — Exact rejection exclusions","§ 9(h) applies when § 9(c)(2)(iv)(B) requires rejection disclosure.","Exclusions include required-minimum-payment increases; APR changes; specified § 52(b) cost reevaluations/CPI adjustments; qualifying restoration of a legally reduced fee no higher than before reduction; and qualifying more-than-60-day nonpayment. OI also excludes a balance-method change necessary to comply with § 54.","S006, § 9(c)(2)(iv)(B), OI 9(h)-1. \nConsumer Financial Protection Bureau\n+1","L/OI; another contractual right is not assumed absent or present. Telephone temporary-offer rights remain distinct."],["R005-P1-C070 — Rejection deadline/channel","To use § 9(h), the creditor must be notified before the effective date.","Reasonable submission requirements may include use of the disclosed toll-free number; writing cannot be made a mandatory additional channel. A cutoff earlier than the day before effectiveness is unreasonable. Timely but unprocessed rejections require delay or reversal/crediting of the change’s effects.","S006, § 9(h)(1), OI -1. \nConsumer Financial Protection Bureau","L/OI; no mailbox-rule assumption and no actual response date determined."],["R005-P1-C071 — Account use","Account use before effectiveness does not waive the regulatory right to reject; use after rejection does not revoke it.","This rule concerns § 9(h), not a resolution of all contract-assent questions.","S006, OI 9(h)(1)-2. \nConsumer Financial Protection Bureau","OI; formation/consent remains held."],["R005-P1-C072 — Prohibited rejection consequences","A timely qualifying rejection prevents applying that change and prohibits a fee, charge, or default treatment solely because of rejection.","The § 9(h)(3) delinquency exception can later matter. Independent lawful events and requirements are not erased.","S006, § 9(h)(2)(i)–(ii), (3). \nConsumer Financial Protection Bureau\n+1","L; no blanket immunity from future charges."],["R005-P1-C073 — Closure/suspension permitted","Section 9(h) does not guarantee continued credit availability after rejection.","The creditor may terminate or suspend further credit availability, with the applicable notice disclosure; the continuing balance is still subject to relevant protections.","S006, OI 9(h)(2)(ii)-1; § 9(c)(2)(iv)(B)(3); S007, § 55(d). \nConsumer Financial Protection Bureau\n+1","L/OI; rejection, closure, and repayment are distinct events."],["R005-P1-C074 — Continuing charges and debt","Rejection does not discharge the debt or automatically stop every preexisting charge.","OI permits continuation of a previously charged periodic fee and a previously applicable late fee, subject to other law; a new closed-account fee imposed solely because of rejection is prohibited.","S006, OI 9(h)(2)(ii)-2. \nConsumer Financial Protection Bureau","OI; no finding that any actual charge is valid."],["R005-P1-C075 — Rejection repayment base/date","§ 9(h)(2)(iii) imports the § 55(c)(2) repayment benchmarks for the relevant account balance.","If credit is terminated/suspended because of rejection, use the balance at the end of that day. Otherwise use end of the notification day or a later date chosen by the creditor. The relevant amortization start cannot precede notification of rejection.","S006, § 9(h)(2)(iii), OI -1, -2. \nConsumer Financial Protection Bureau","L/OI; no actual balance or lawful plan calculated."],["R005-P1-C076 — Later qualifying delinquency","Section 9(h)’s protections do not continue unchanged after its qualifying 60-day nonpayment exception applies.","OI’s later-delinquency example requires another § 9(c) notice before imposing a previously rejected fee; rejection disclosure is then unnecessary and § 9(h)(2) restrictions cease under that exception. § 55 still applies independently.","S006, § 9(h)(3), OI -1.ii; S007. \nConsumer Financial Protection Bureau","L/OI; no presumption that this exception occurred."]]},{"headers":["Claim ID / area","Precise claim","Trigger, conditions, and exceptions","Source pinpoint","Status / limits"],"index":6,"links":[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/56/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/56/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau\n+1"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/56/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau\n+1"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/56/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/56/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/56/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau\n+1"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/56/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/56/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/56/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"},{"href":"https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-G/section-1026.55?utm_source=chatgpt.com","text":"ecfr.gov\n+2"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/55/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau\n+1"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/G/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau\n+2"}],"row_links":[[],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/56/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/56/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau\n+1"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/56/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau\n+1"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/56/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/56/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/56/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau\n+1"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/56/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/56/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/56/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"}],[{"href":"https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-G/section-1026.55?utm_source=chatgpt.com","text":"ecfr.gov\n+2"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/55/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau\n+1"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/G/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau\n+2"}],[],[]],"rows":[["Claim ID / area","Precise claim","Trigger, conditions, and exceptions","Source pinpoint","Status / limits"],["R005-P1-C077 — Separate over-limit consent","Charging for paying an over-limit transaction requires § 56’s separate affirmative-consent process.","The issuer must provide the prescribed notice, a reasonable opportunity to consent, obtain affirmative consent, and send confirmation before imposing the fee. A change notice or general reservation is not a substitute.","S008, § 56(a), (b)(1), OI; S003, § 1637(k). \nConsumer Financial Protection Bureau","L/OI; consent facts unknown."],["R005-P1-C078 — Opt-in notice content","The opt-in notice must be clear, conspicuous, and segregated as required, and describe the fee, applicable rate consequence, and consent method.","Written/electronic and oral-request routes have specified form and timing conditions; oral/electronic information must precede consent as required.","S008, § 56(c), (d), (e)(1), OI. \nConsumer Financial Protection Bureau\n+1","L/OI; actual e-delivery/consent validity not determined."],["R005-P1-C079 — Confirmation/revocation notice","Confirmation cannot be deferred past fee imposition merely because the next statement has not arrived.","It must be sent before a fee; the rule’s statement timing is an outer condition, not permission to charge first. A statement imposing an over-limit fee must carry the required revocation notice on the front of a page.","S008, § 56(b)(1)(iv), (d), (e)(2), OI. \nConsumer Financial Protection Bureau\n+1","L/OI; sending confirmation and proving consent are separate."],["R005-P1-C080 — Revocation","Consent can be revoked at any time through the prescribed methods, and revocation must be implemented as soon as reasonably practicable.","Revocation does not automatically reverse prior fees or erase the limited treatment of previously authorized over-limit transactions described in the rule.","S008, § 56(f)–(g), OI. \nConsumer Financial Protection Bureau","L/OI; not a general rejection of an APR or all account terms."],["R005-P1-C081 — Payment without opt-in","The issuer can pay an over-limit transaction without opt-in if it does not impose a fee or charge for doing so.","Otherwise lawful ordinary interest or transaction charges are not automatically eliminated solely because the transaction exceeded the limit.","S008, § 56(b)(2), OI. \nConsumer Financial Protection Bureau","L/OI; no determination that a particular charge is ordinary or lawful."],["R005-P1-C082 — Availability and conditioning","Opt-in does not require an issuer to approve an over-limit transaction, and the issuer cannot improperly condition credit access/limit on paid-over-limit consent.","§ 56(i) preserves discretion whether to pay; § 56(j)(3) and OI prohibit the described conditioning practices.","S008, § 56(i), (j)(3), OI 56(j)-4. \nConsumer Financial Protection Bureau\n+1","L/OI; no credit-access guarantee or eligibility decision."],["R005-P1-C083 — Joint consent","The joint-account consent rule differs from an authorized user’s action.","The issuer may treat affirmative consent by one jointly liable consumer as applying to all; revocation by one jointly liable consumer applies to all. A nonliable authorized user is not interchangeable.","S008, § 56(h), OI. \nConsumer Financial Protection Bureau","L/OI; no actual joint-liability determination."],["R005-P1-C084 — Cycle limitations","Section 56(j)(1) limits over-limit fees to one per cycle and only if the limit was exceeded during that cycle.","Its same-transaction rule generally limits charging to three cycles, with the stated balance-reduction and later-transaction qualifications. A further over-limit transaction in either of the last two cycles can change the three-cycle analysis.","S008, § 56(j)(1)(i)–(ii), OI -1, -2. \nConsumer Financial Protection Bureau","L/OI; no actual cycle count or fee amount."],["R005-P1-C085 — Additional over-limit prohibitions","An over-limit fee cannot be based solely on failure promptly to replenish available credit after crediting payment, or solely on same-cycle plan fees/interest pushing the balance over the limit.","Prior-cycle charges are treated differently in the latter test. Other § 52(b) restrictions remain outside this narrow investigation.","S008, § 56(j)(2), (4), OI -3, -5, -6. \nConsumer Financial Protection Bureau","L/OI; opt-in is necessary in its branch, not sufficient to legalize every fee."],["R005-P1-C086 — Currentness status","Access date, statutory compilation date, regulation-update date, and rule effective date are different facts.","eCFR’s 10/23/2026 label is title-level. House labels lag the actual check. Historical and amended texts are distinguished; no complete official-CFR/session-law/stay/vacatur audit is claimed.","S001–S003, S006–S007, S012–S014. \necfr.gov\n+2","U where specified; no assertion that every possible later legal development was excluded."],["R005-P1-C087 — Publication discrepancies","Current-labelled agency displays require reconciliation with actual amendments.","S014 replaces older LIBOR OI shown on the CFPB page. Separately, an example in OI 55(b)(7)(ii)-2.ii contains a margin inconsistent with its own setup/conclusion; the general operative rule is used, not reconstructed example arithmetic.","S007 displayed OI; S014 amended OI and example; C021 separate workout typo. \nConsumer Financial Protection Bureau\n+1","Resolved version conflict; unresolved printed-example inconsistency."],["R005-P1-C088 — Model limits","Official models illustrate required disclosures; model appearance does not prove authority, delivery, factual predicates, or current permissible fee amounts.","G-20–G-23 image bodies were not visually inspected; G-25 text and governing requirements were read. No unseen full-form compliance claim is made.","S015; S006, OI 9(c)(2)(iv)-8 and 9(g)-4; S008 model references. \nConsumer Financial Protection Bureau\n+2","OI/I/U; precise visual gap retained."],["R005-P1-C089 — What a notice cannot prove","A notice may evidence what was announced; it cannot alone prove coverage, valid prior terms, delivery, the exception’s predicate, correct transaction cohorts, payment receipts, consent, or legality under other law.","Each is a separate document/event/legal question. A reason stated in a notice is an assertion requiring its own support.","I from C001–C088; particularly OI 9(c)(2)-2 and § 55(b).","I, not a finding about an actual account."],["R005-P1-C090 — Meaning of an unresolved audit","“Unproved in this audit” does not mean the debt is void, the change necessarily unlawful, or a remedy available.","This component provides federal branch tests and preserves missing facts and authority; it does not adjudicate liability, standing, remedies, amount, or eligibility.","Scope boundary and inference from the conditional authorities above.","I/U; parent questions remain held."]]},{"headers":["Event or branch","Governing period or sequence","Actual anchor needed","What must not be substituted","Claims"],"index":7,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Event or branch","Governing period or sequence","Actual anchor needed","What must not be substituted","Claims"],["Ordinary significant change","At least 45 calendar days before effectiveness","Legally sufficient provision of required notice; stated effective date","Printed document date alone; mortgage deemed receipt; assumed business-day exclusions","C011, C032–C036"],["Penalty-rate notice","Trigger first, then required notice, then at least 45 days","Actual triggering event and notice provision","Initial penalty clause or pre-trigger warning","C029–C031, C051"],["New-transaction repricing under § 9(c)/(g)","Transactions before or within 14 days after notice excluded from that increase","Transaction classification and notice provision","Treating the 14-day boundary as the date higher interest begins","C040, C042–C043"],["Other nonsignificant plan charge","45-day route or disclosure before agreement/obligation","Fee category and actual pre-obligation disclosure","Assuming every fee requires 45 days","C013"],["Particular agreed change","Notice may be as late as effectiveness","Qualifying individualized change and actual agreement","General reservation, continued use, reopening, upgrade","C012"],["Temporary-term expiration","Prior disclosures; § 55 generally requires at least six months","Disclosure, usability, relevant transaction/period, disclosed subsequent term","Six months from an invented date or necessarily six months for every purchase in a window","C017–C018, C044–C046"],["Telephone temporary offer","Applicable offer-rejection period 45 days after mailing/delivery of writing","Qualifying telephone offer and written disclosure event","Treating this as the general § 9(h) APR right","C018"],["Delinquency exception","Required minimum not received within 60 days after due date","Operative due date, required minimum, credited receipts","“Late” label, statement count, payment mailing date","C034, C050"],["Mandatory restoration","First six consecutive required minimums, starting first due after effectiveness","Effective date, first subsequent due date, six timely receipts","Any six later payments; a promise to restore all newer balances","C052–C053"],["Ordinary rejection","Creditor notified before effective date","Authorized response channel and notification/receipt facts","Assuming posting a letter proves timely notification","C070"],["First-year restriction","First year after a permissible opening date","Usability and permitted opening-date method","Application approval alone; treating seven-day opening convention as change-notice receipt","C035, C041"],["Over-limit consent/revocation","Consent and confirmation before fee; revocation as soon as reasonably practicable","Affirmative consent, confirmation sent, revocation and implementation events","General acceptance, silence, or a change notice","C077–C085"],["§ 59 review","Generally at least every six months; appropriate reduction within 45 days after review","Covered increase and review facts","Automatic six-payment restoration or guaranteed return to opening APR","C067"]]},{"headers":["Audit field","Blank entry","Required distinction or test","Claim links"],"index":8,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Audit field","Blank entry","Required distinction or test","Claim links"],["Baseline agreement title, date, and version","—","Identify the relevant version without assuming formation or enforceability.","C001, C015, C089"],["Baseline disclosure version and applicable amendment sequence","—","Distinguish opening disclosures, later amendments, and notice of exercising an existing term.","C010–C015, C029"],["Consumer-purpose and product characteristics","—","Consumer/business; open-end; credit card/charge card; excluded overdraft/HELOC/hybrid gateway.","C002–C008"],["Applicable exemption-year/commitment facts","—","Coverage cannot be inferred from current balance alone.","C007"],["First usable date and selected opening-date method","—","Necessary first-year anchor; no assumed receipt date.","C035, C041"],["Exact old term and exact proposed new term","—","APR, margin, index, fee category, minimum payment, grace term, security, or other term.","C010, C013, C028, C039"],["Contract reservation or specific agreement language","—","Record language without treating it as permission or resolving assent.","C001, C012, C015"],["Claimed notice branch","—","§ 9(b), (c)(2), (g), or a specified exception.","C011–C031"],["Complete notice content and relevant layout","—","Summary, reasons, effective date, affected balances, rights, format.","C023–C031, C088"],["Mailing, delivery, and electronic-provision facts","—","Separate printed date from actual provision and legal sufficiency.","C009, C033"],["Stated effective date and any actual implementation event","—","Notice period and implementation must be separately checked.","C011, C029, C043"],["Transaction categories and applicable baseline rates","—","Purchases, transfers, advances, or other separately priced categories.","C039–C045"],["Pre-notice / within-14-day / later transaction facts","—","Include transaction, posting, and actual-amount hold events where relevant.","C040, C042"],["Claimed § 55 exception and exact predicate","—","Identify the specific exception before applying it.","C044–C060"],["Variable-index publication and formula facts","—","Public/uncontrolled index; margin; observation convention; actual causal movement.","C047–C049"],["Temporary-period disclosures and endpoints","—","Duration, prominence, subsequent term, prior/during-period cohorts.","C017–C018, C044–C046"],["Required minimums, due dates, and credited receipts","—","Test actual 60-day nonreceipt; do not infer from a delinquency label.","C034, C050–C051"],["First post-effective due date and first six payment events","—","Test restoration sequence and affected cohort.","C052–C053"],["Workout terms, disclosure, and completion/failure event","—","Pre-arrangement ceiling; telephone-writing route; protected repayment.","C020–C021, C054–C055"],["Statutory-reduction beginning/end facts, if relevant","—","Do not presume protection ended or determine personal eligibility.","C056"],["Replacement-index authority, tenor, dates, margins, and comparison","—","Separate unavailable-index and LIBOR-specific routes; use amended OI.","C057–C060, C087"],["Rejection wording and disclosed method","—","Confirm the change is covered and the notice gives the required instructions.","C025, C068–C070"],["Rejection communication and notification/receipt facts","—","Preserve uncertainty about timeliness and processing.","C070–C071"],["Closure/suspension event and continuing credit availability","—","Distinguish rejection, access, substantive increase authority, and continuing balance.","C041, C061, C073"],["Relevant balance and repayment method","—","Compare against the correct § 55(c)(2)/§ 9(h) benchmark and date.","C063–C065, C075"],["Over-limit consent, confirmation, and revocation events","—","Separate § 56 consent from rejecting a change.","C077–C085"],["Continuing preexisting charges and asserted new charges","—","Neither universal freeze nor automatic permission.","C065–C066, C072–C076"],["Remaining contract/state-law/source-version questions","—","Keep formation, authority, other law, and currentness unresolved where outside this component.","C001, C086–C090"]]},{"headers":["Example","Stipulated facts","Federal result versus unknown","Evidence conceptually needed","Adverse misclassification to avoid"],"index":9,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Example","Stipulated facts","Federal result versus unknown","Evidence conceptually needed","Adverse misclassification to avoid"],["R005-P1-H001 — Ordinary significant fee change","A covered consumer card account is beyond its first year. An annual fee is increased. No special exception is stipulated.","The ordinary significant-change notice and applicable rejection branch must be satisfied. An account-wide fee is not automatically prohibited merely because a protected balance exists. Contract authority and other fee limits remain unknown. C010–C011, C025, C065, C069–C075.","Prior fee, proposed fee category, complete notice, provision/effective dates, access status, rejection facts.","“Notice makes the fee lawful”; or “any old balance prevents every annual-fee change.”"],["R005-P1-H002 — New purchase rate versus older balance","The issuer invokes only § 55(b)(3), with an otherwise qualifying notice. Transactions fall on both sides of the 14-day boundary.","That exception excludes pre-notice and within-14-day transactions. Later transactions may receive the increase only when notice timing permits. A separate exception is not presumed. C040–C043.","Actual transaction/posting/hold facts, notice provision, effective date, category rates.","Applying the new APR to the entire statement balance; or beginning increased interest at the 14-day boundary."],["R005-P1-H003 — Genuine variable movement","A public external index changes; the margin remains constant; a predetermined observation method operates in both directions.","A genuine index-caused increase can qualify under § 55(b)(2) without a fresh § 9(c)(2) notice. The published Ninth Circuit opinion confirms that its specific month-end formula did not require daily matching. Actual formula conformity remains untested. C019, C047–C049.","Agreed formula, publication source, observation convention, old/new index values, unchanged margin, symmetric operation.","Treating every market movement as a discretionary 45-day change; or treating the word “variable” as enough to validate a margin increase."],["R005-P1-H004 — Temporary rate expires","A temporary rate ends after a disclosed period. The notice’s existence is stipulated, but duration, prominence, and cohort details are not.","No automatic approval follows. The notice exception and substantive six-month/ceiling requirements must both be established. Earlier balances and during-period transactions can have different ceilings. C017–C018, C044–C046.","Prior disclosure, usability/transaction anchor, period, post-period formula, pre-period and within-14-day cohorts.","“Promotional” means any increase is permitted; or every purchase receives an individual six-month period."],["R005-P1-H005 — Claimed late-payment exception unproved","A notice says “late payment” and proposes an increase on existing balances. No receipt chronology is supplied.","The § 55(b)(4) predicate is unproved. A shorter late event may support a properly noticed new-transaction branch after the first year, but does not itself establish old-balance authority. C029, C041, C050–C051.","Lawfully operative due date, required minimum, credited receipts, trigger date, post-trigger notice.","Equating any lateness, another obligation’s default, or two statement labels with the statutory 60-day test."],["R005-P1-H006 — Workout ends or fails","A reduced workout term ends. The original arrangement and pre-workout rate are unavailable.","§ 55(b)(5) cannot be applied conclusively. Required prior disclosures, completion/failure, and pre-arrangement ceiling remain unknown. Protected-balance repayment limits cannot be waived through the workout. C020–C021, C054–C055.","Arrangement terms, disclosure method/timing, baseline rates/fees, completion/failure facts, protected repayment method.","Treating workout failure as permission for any penalty rate; treating completion as a guarantee of the reduced rate forever."],["R005-P1-H007 — “Timely rejection” with unknown calendar","A qualifying fee increase is stipulated. A rejection is described as timely, but the effective date, permitted channel, and notification date are unknown.","The right exists in principle; timeliness cannot be decided. If timely, the change cannot stand merely because processing was late. Closure may still be permitted, and the balance remains. C070–C075.","Complete instructions, effective date, channel, notification/receipt and processing facts, closure event.","Treating a mailing date as automatically sufficient; treating rejection as debt cancellation or guaranteed future credit."],["R005-P1-H008 — Business/product scope unknown","A document is called a “card agreement,” but purpose and access features are unspecified.","Coverage is unresolved. Consumer, business, charge-card, overdraft-access, HELOC, and hybrid distinctions must be made before assigning the requested protections. C002–C008.","Product characteristics, primary purpose, applicable exemption facts, card/access function.","Applying all consumer CARD Act rules because the document says “card”; excluding a charge card solely because it has no periodic APR."],["R005-P1-H009 — Six payments claimed","A qualifying delinquency increase is stipulated, followed by “six timely payments,” but their position in the sequence is unknown.","Mandatory § 55(b)(4) restoration is not established until the first-post-effective sequence and required amounts are verified. The protected cohort and other valid rate adjustments also matter. C052–C053, C067.","Effective date, first following due date, first six required minimums/receipts, transaction cohorts, baseline formula.","Assuming any later six payments restore every balance; assuming a temporary pre-increase APR must be restored after its lawful expiration."],["R005-P1-H010 — Limit reduction plus over-limit fee","A limit is reduced and a balance is now over it. The notice asserts that an over-limit fee and penalty rate will follow; consent facts are unknown.","The applicable reduced-limit notice, § 56 consent/fee conditions, and § 55 rate authority are separate. None is established by the reduction notice alone. C022, C031, C077–C085.","Reduction notice and dates, actual balance condition, affirmative consent/confirmation, transaction cause, cycle facts, rate exception.","Treating a lower limit as consent to fees or as authority to reprice all existing balances."],["R005-P1-H011 — Other charge disclosed at election","A charge is stipulated to fall within § 6(b)(3), outside the significant-change definition, and is disclosed before obligation.","The alternative § 9(c)(2)(iii) timing route may apply. Whether the classification and pre-obligation sequence are correct remains necessary; other law is not resolved. C013, C039.","Exact charge classification and disclosure/election sequence.","Automatically condemning every fee without 45 days’ notice; accepting a misleading fee label instead of classifying it."],["R005-P1-H012 — LIBOR replacement and margin change","A notice replaces LIBOR and changes a margin, but its chosen route and comparisons are missing.","This is not ordinary movement under § 55(b)(2). The applicable § 55(b)(7) route, tenor, reference values, margin, notice, and contract conditions must be established using amended OI. C057–C060, C087.","Original/replacement indices, availability, tenor, reference-date values, relevant prior margin, notice, contract language.","Using stale three-tenor commentary; treating an equal current APR as proof of the prescribed historical comparison; ignoring contract constraints."],["R005-P1-H013 — First-year or closed-account notice","An increase relies only on § 55(b)(3), but it would apply during the first year or while new transactions are unavailable.","That exception does not authorize application then. Issuing a notice is not the same as permissibly implementing it. A different exception must be independently established. C035, C041.","Opening/usability facts, access/closure dates, effective date, asserted exception.","“Forty-five days passed, so the increase is valid.”"],["R005-P1-H014 — Repayment method changes","A protected balance or validly rejected change exists. A new repayment method is announced, without the old formula or relevant balance date.","No less-beneficial comparison can be completed. The rule uses alternative benchmarks; it does not promise five years in every case or cap the entire payment at twice its prior dollar amount. C063–C064, C075.","Prior payment formula, protected/rejection balance, correct benchmark date, proposed amortization/formula.","A universal five-year entitlement; doubling the total payment instead of examining the specified balance-percentage component."],["R005-P1-H015 — Previously charged fees after rejection","A valid rejection is stipulated; a preexisting periodic fee continues and a new “closure fee” is announced.","The preexisting fee is not automatically barred by rejection, subject to other law. A new fee imposed solely because of rejection is prohibited. The actual causal basis and legality remain unknown. C072–C074.","Before/after fee terms, rejection and closure sequence, reason for each charge.","“Rejection freezes all charges”; or “closure permits a new fee of any kind.”"]]},{"headers":["Coverage ID","Assigned subquestion or major branch","Status and reason","Claim / example links","Exact missing authority or facts","Next bounded permissible investigation"],"index":10,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Coverage ID","Assigned subquestion or major branch","Status and reason","Claim / example links","Exact missing authority or facts","Next bounded permissible investigation"],["CV01","Necessary TILA creditor/card-issuer coverage","Answered generically","C002; H008","No actual actor/agency facts","None needed for this generic component; any later legal issue would require a separately bounded authority question."],["CV02","Consumer and open-end coverage","Answered generically","C003, C007; H008","Purpose, plan mechanics, opening/exemption facts unknown","Review only the specific unresolved legal gateway if later assigned."],["CV03","Defined card account versus other open-end credit","Answered","C004, C008","Actual product unknown","No broader product survey."],["CV04","Business cards","Answered as exclusion boundary","C005; H008","Primary-purpose facts unknown","No business-card merits investigation in this component."],["CV05","Charge cards","Answered","C006; H008","Product’s actual fee/rate features unknown","Examine only a specifically identified rule distinction if separately authorized."],["CV06","HELOC, overdraft, hybrid exclusions","Answered as gateway; other-product merits excluded","C004","Detailed hybrid/other-product classification held","Separate product-specific public-law component if requested."],["CV07","Full relevant §§ 1666i-1/-2","Answered textually; currentness partial","C037–C038","Complete post-compilation session-law audit absent","Public session laws/classification tables for the exact lag interval."],["CV08","§ 1637 notice/cancellation/over-limit operative clauses","Answered relevant clauses","C011, C068, C077","Same statutory-currentness limit","Same narrow public-law update check."],["CV09","Ordinary significant-change definition and notice","Answered","C010–C011; H001","Actual changed term and notice unknown","No additional authority necessary for generic branch."],["CV10","Particular agreed change","Answered","C012","Actual qualifying agreement facts held","No formation/consent adjudication."],["CV11","Nonsignificant other charges","Answered","C013; H011","Actual fee classification and obligation sequence","Bounded classification authority only if later necessary."],["CV12","Added feature/check-only branch","Answered","C014","Actual feature/check package unknown","Official blank check-disclosure model inspection if separately needed."],["CV13","Initially disclosed versus discretionary change","Answered","C015","Baseline agreement/version unknown","Keep contract authority held."],["CV14","§ 9(c)(2)(v)(A) exceptions","Answered","C016","Whether an actual change matches an exception","None for abstract rule."],["CV15","Temporary-term notice exception","Answered","C017; H004","Prior disclosure, period, prominence, later formula","No actual document investigation."],["CV16","Telephone temporary offer","Answered","C018","Offer/disclosure/acceptance events unknown","No individualized deadline."],["CV17","Variable-index notice exception","Answered","C019; H003","Formula and causal index movement unknown","Public generic formula authority only if a further legal question arises."],["CV18","Workout notice exception","Answered except returned-fee cross-reference","C020–C021; H006","Duplicated (ix) versus OI (xi) remains unresolved","Check a published correction or directly applicable authoritative clarification."],["CV19","Credit-limit reduction notice","Answered","C022, C031; H010","Reduction/date/balance facts unknown","None for generic branch."],["CV20","Exact change-notice contents","Answered","C023–C026","No actual notice to inspect","Use blank models only; no account review."],["CV21","Exact format and redisclosure interactions","Answered textually; model pixels partial","C027–C028, C088","G-20–G-23 image layout not visually inspected","Retrieve usable official model images through permitted public tools."],["CV22","§ 9(g) triggering event and timing","Answered","C029; H005","Event, provision, effectiveness unknown","No actual calendar reconstruction."],["CV23","§ 9(g) contents, format, combination","Answered","C030","Actual notice unknown","No further authority needed for generic rule."],["CV24","§ 9(g)(4) conditional reduced-limit exception","Answered","C031; H010","Relevant balance/test date unknown","No individual application."],["CV25","Calendar/business-day standards","Answered","C032, C034–C035","Actual dates/acceptance practices unknown","Preserve legal units; no invented calculation."],["CV26","Mailing/receipt presumptions","Answered within assigned federal branches","C033–C036; H007","Delivery/e-sign/contract/other-law facts held","Separate issue only if a concrete legal presumption question is later assigned."],["CV27","Notice versus authority","Answered throughout","C001, C039–C060; H001–H013","Actual contract authority remains held","No contract-validity conclusion."],["CV28","New transactions versus existing balances","Answered","C040–C043; H002","Cohort/transaction facts unknown","None for generic branch."],["CV29","First-year/closed/unavailable advance-notice restriction","Answered","C035, C041; H013","Opening and availability facts unknown","No account investigation."],["CV30","Temporary exception: duration and ceilings","Answered","C044–C045; H004","Disclosure/period/cohort facts unknown","None for generic branch."],["CV31","Contingent revocation/deferred interest intersection","Answered narrowly","C046","Actual program and payment facts unknown","Full accrual/accounting remains held."],["CV32","Genuine variable-index authority and controls","Answered","C047–C049; H003","Actual formula/index evidence absent","Published-law question only; no lender-specific data query."],["CV33","Material case holding/posture/disposition","Answered as issued; later history unresolved","C049; S016","Subsequent precedential history not checked","Published later opinions only if strictly needed; no docket/status query."],["CV34","Actual delinquency predicate and new notice","Answered","C050–C051; H005","Required minimum/due/receipt sequence unknown","No individual delinquency decision."],["CV35","Restoration after first six timely payments","Answered","C052–C053; H009","First due date, sequence, amounts, cohorts unknown","No individualized restoration date."],["CV36","Workout authority and preserved repayment limits","Answered","C054–C055; H006","Prior terms and completion/failure unknown","No settlement/waiver analysis."],["CV37","SCRA-related exception","Answered at § 55 level; underlying currentness partial","C056; S024","2026 SCRA amendment audit and all eligibility facts held","Read current public § 3937 and intervening amendments only if needed; no service-record query."],["CV38","Unavailable-index exception","Answered","C057","Actual availability/history/comparison unknown","No replacement calculation."],["CV39","LIBOR-specific route and 2023 amendments","Answered, with example inconsistency flagged","C058–C060, C087; H012","Actual tenor/margin/comparison; example correction unresolved","Published correction if material; broader LIBOR Act contract effects held."],["CV40","Continuing application after closure/acquisition/transfer","Answered narrowly","C061","Actual transfer/assignment facts held","No chain-of-title or assignment investigation."],["CV41","Promotional waiver/rebate","Answered narrowly","C062","Actual promotion/charge classification unknown","No general rewards or fee study."],["CV42","Protected balance and repayment options","Answered","C063–C065; H014","Balance base and formulas unknown","No actual payment-plan or amount calculation."],["CV43","Necessary first-year fee overlay","Answered narrowly","C066","Actual fee set/limit unknown","Penalty caps/reasonableness/underwriting remain excluded."],["CV44","§ 59 restoration/review intersection","Answered narrowly","C067; H009","Actual increase/review facts unknown","No creditworthiness assessment."],["CV45","Which changes can be rejected","Answered","C068–C069; H001, H007","Actual change category unknown","No assumption of extra contractual rights."],["CV46","Rejection timing, channels, continued use","Answered","C070–C071; H007","Notification and calendar facts unknown","No personalized rejection deadline."],["CV47","Rejection’s prohibited consequences","Answered","C072, C074; H015","Causation and actual charges unknown","No liability/remedy determination."],["CV48","Closure, access, debt, repayment after rejection","Answered","C073–C075; H007, H014","Closure date, relevant balance, lawful plan unknown","No actual debt-validity or settlement decision."],["CV49","Later delinquency exception to rejection","Answered","C076","Qualifying later nonreceipt and second notice unknown","No individual determination."],["CV50","§ 56 separate opt-in, notice, confirmation","Answered","C077–C079; H010","Consent and sending events unknown","No account action or consent solicitation."],["CV51","§ 56 revocation, joint consent, credit availability","Answered","C080–C083","Actual joint-liability/consent facts unknown","Guarantor/spouse analysis remains held."],["CV52","§ 56 fee-cycle and causation restrictions","Answered","C084–C085; H010","Transactions/cycles/crediting unknown","§ 52(b) dollar caps and reasonableness excluded."],["CV53","Blank audit worksheet","Delivered","Section 4; C089","All fact fields intentionally blank","No records collection authorized by worksheet."],["CV54","At least eight hypothetical failure branches","Delivered: 15","H001–H015","Stipulations are abstract; no identifiers","No factual scenarios converted into actual-account conclusions."],["CV55","Source versions and status distinctions","Partial with precise limits","C086–C088; source register","Official annual CFR/session-law lag; limited publication inconsistencies","Narrow public amendment/correction checks only."],["CV56","Guidance-withdrawal check","Not triggered","Source register and read log","No circular, bulletin, or advisory used","If one is later used, check official withdrawal register and publisher status then."],["CV57","All other A005/parent dimensions","Excluded by assignment","C090; Section 9","Authorities and facts intentionally not investigated","Separate authorized component; no parent closure inferred."]]},{"headers":["Log item","What was actually done","Outcome and boundary"],"index":11,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Log item","What was actually done","Outcome and boundary"],["RL01 — Primary statutory retrieval","Opened the requested House provisions and necessary adjacent operative clauses.","Initial endpoints failed; successful bodies were later read in S001–S003. No search snippet was substituted for the operative text."],["RL02 — Statutory fallback","Read GovInfo extracted statutory text and the identified 2024 edition.","Used to recover body text while House routes failed; edition/currency limits retained. Same statute in two presentations is not independent corroboration."],["RL03 — Complete notice branches","Read the full relevant § 9(c)(2), § 9(g), § 9(h), necessary § 9(b), and OI.","Included exceptions, content, format, timing, rejection, and reduced-limit conditions—not merely headings or summaries."],["RL04 — Complete § 55 branches","Read operative (a)–(e), all seven exception branches, and necessary OI.","Kept authority, cohorts, repayment, transfer, waiver/rebate, and restoration separate."],["RL05 — Complete § 56","Read (a)–(j) and OI.","Limited conclusions to over-limit consent/fee interactions; did not investigate penalty-fee dollar limits."],["RL06 — Necessary cross-references","Read bounded coverage, disclosure, payment, first-year fee, and rate-review provisions.","No broad APR/finance-charge, underwriting, origination, or servicing investigation."],["RL07 — Amendment reconciliation","Read 2021 and 2023 rule dates and the relevant 2023 amended clauses/OI.","Corrected reliance on stale LIBOR commentary by using the published amendment; preserved the separate inconsistent example."],["RL08 — Workout-list discrepancy","Compared the operative list on CFPB and eCFR with its OI.","Duplicate (ix) versus OI’s (xi) documented; no silent repair."],["RL09 — Published opinion","Read the complete majority and its disposition in S016.","Staff summary was not the holding source. Later history remained unchecked; no actual case record or docket-status investigation."],["RL10 — Models and PDF presentation","Read accessible official model text/descriptions and parsed PDF text.","Image calls yielded placeholders rather than usable inspected pixels. No claim of unseen full-form or PDF-layout inspection."],["RL11 — Oversized/truncated responses","Complete eCFR Supplement I retrieval failed on size; some multi-open responses were truncated.","Relevant necessary text was recovered through section-level reads and narrower published-rule reads. Truncated output was not counted as unseen text read."],["RL12 — SCRA cross-reference","Failed to retrieve the newer House route; read the 2024 GPO codification note.","Confirmed old app. § 527 cross-reference only; current eligibility and service-status questions remain held."],["RL13 — Guidance status","No CFPB circular, bulletin, advisory opinion, or other such guidance was used.","The official Withdrawn Guidance register was therefore not invoked or represented as checked. No withdrawal was treated as statutory repeal."],["RL14 — Status audit limits","Distinguished current-labelled compilations, historical final rules, the effective 2023 interim final rule, and the opinion as issued.","No proposed or future rule was substituted for operative text. No comprehensive stay/vacatur/repeal or session-law-lag conclusion was made."]]},{"headers":["Assigned question","Answer location","Principal claims","Principal sources"],"index":12,"links":[],"row_links":[[],[],[],[],[],[],[]],"rows":[["Assigned question","Answer location","Principal claims","Principal sources"],["1. Necessary actors/products/consumer/open-end/card coverage and statutes","Claim table 2A; coverage CV01–CV08","C002–C009, C037–C039","S001–S005, S002–S003 in particular"],["2. Complete relevant change/penalty notice branches, exceptions, timing, delivery, content","Claim tables 2A–2B; timing matrix","C010–C036","S006, necessary S004–S005/S009; amended OI in S014"],["3. § 55 authority, all relevant exceptions, old/new balances, restoration, repayment","Claim tables 2C–2D","C037–C067","S002, S007, S010–S014; narrowly S016 and S024"],["4. Rejection, closure/access/debt/repayment, § 56 intersection, narrow first-year overlay","Claim tables 2D–2E","C065–C085","S003, S006–S008, S010–S012"],["5. Generic audit, eight or more qualitative branches, what notice cannot prove","Worksheet; H001–H015; coverage table","C001, C036, C086–C090 and branch-specific claims","Sources identified for each underlying claim; no actual agreement/account source"],["Standards: actual primary reading, status, bounds, failures, no unseen foundation","Source register; read log; Sections 1, 6, 9","C086–C090","S001–S024, with failures and partial reads expressly distinguished"]]},{"headers":["Check","Result"],"index":13,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Check","Result"],["Notice distinguished from substantive authority","Yes; C001 and the exception-specific claims preserve the distinction."],["New transactions distinguished from older balances","Yes; 14-day cohort, effectiveness, posting/hold qualifications, and alternative exceptions are separate."],["Forty-five days treated as universal","No; specific agreed changes, other charges, checks, temporary terms, variable movements, workouts, and reduced-limit branches are separately addressed."],["Rejection treated as debt cancellation or guaranteed access","No; scope, closure/suspension, continuing charges, balance obligation, and repayment limits are separate."],["Every § 55 exception addressed","Yes; temporary, variable, advance notice, delinquency, workout, SCRA-related restoration, and index replacement."],["Numeric legal periods invented","No. Stated numbers come from the identified authorities; no individual deadline, award, debt amount, or payment plan was calculated."],["Statute/regulation/OI/preamble/opinion distinguished","Yes. Historical explanations do not replace current operative clauses."],["Currentness overstated","No. Compilation dates, eCFR date, effective dates, older commentary, textual inconsistencies, and later-history limits are recorded."],["Unseen forms or PDF pixels claimed read","No. Parsed text and image failures are expressly distinguished."],["Actual records or identities investigated","No. No real or invented identifiers were entered to test a record search."],["Independent legal review or acceptance claimed","No. This self-check records neither component acceptance nor parent/operations/publication acceptance."]]}],"claims":[{"claim_id":"R005-P1-C001 — Separate legal gates","area_numbers":[5],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID / area":"R005-P1-C001 — Separate legal gates","Precise claim":"Notice compliance and substantive authority are distinct. A notice cannot itself establish permission to increase a rate on a particular balance.","Trigger, conditions, and exceptions":"Establish coverage, applicable § 9 notice, applicable § 55 exception, affected cohort, and remaining contract/other-law constraints separately.","Source pinpoint":"S006, OI 9(c)(2)-1, -2 and 9(g)-1; S007, § 55(a), (b). \nConsumer Financial Protection Bureau\n+2","Status / limits":"L/OI; actual contract legality held."},"coordinator_verification_status":"source_mapping_scope_reconciled_selected_passages_only","coordinator_review":{"at":"2026-10-29T08:26:02.273332+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","canonical_claim_ID":"R005-P1-C001","finding_ids":[],"scope":"Exact matching selected source passages only; selected source-group membership is not whole-clause/whole-claim/current-law certification. All original qualifiers/unreopened bodies/currentness/legal/application holds retained.","all_currentness_or_actual_application_accepted":false}},{"claim_id":"R005-P1-C002 — Actors","area_numbers":[5],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID / area":"R005-P1-C002 — Actors","Precise claim":"“Creditor” and “card issuer” are legal coverage concepts, not merely labels on a notice.","Trigger, conditions, and exceptions":"General creditor rules include regular extension and the initial-payee test; card-specific tests also exist. A card issuer includes its relevant agent, but ordinary processing services alone do not establish agency.","Source pinpoint":"S001, § 1602; S004, §§ 1(c), 2(a)(7), (17), relevant OI. \nuscode.house.gov\n+2","Status / limits":"L/OI; no entity or agency determination."},"coordinator_verification_status":"source_mapping_scope_reconciled_selected_passages_only","coordinator_review":{"at":"2026-10-29T08:26:02.273332+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","canonical_claim_ID":"R005-P1-C002","finding_ids":[],"scope":"Exact matching selected source passages only; selected source-group membership is not whole-clause/whole-claim/current-law certification. All original qualifiers/unreopened bodies/currentness/legal/application holds retained.","all_currentness_or_actual_application_accepted":false}},{"claim_id":"R005-P1-C003 — Consumer/open-end gateway","area_numbers":[5],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID / area":"R005-P1-C003 — Consumer/open-end gateway","Precise claim":"The ordinary target is consumer credit, primarily for personal, family, or household purposes, under an open-end plan.","Trigger, conditions, and exceptions":"Necessary open-end features include reasonably contemplated repeated transactions and replenishing credit; the regulation’s card-specific rules must also be considered.","Source pinpoint":"S001, § 1602; S004, § 2(a)(11), (12), (20), OI. \nConsumer Financial Protection Bureau\n+1","Status / limits":"L/OI; no general debt taxonomy or APR-definition rerun."},"coordinator_verification_status":"source_mapping_scope_reconciled_selected_passages_only","coordinator_review":{"at":"2026-10-29T08:26:02.273332+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","canonical_claim_ID":"R005-P1-C003","finding_ids":[],"scope":"Exact matching selected source passages only; selected source-group membership is not whole-clause/whole-claim/current-law certification. All original qualifiers/unreopened bodies/currentness/legal/application holds retained.","all_currentness_or_actual_application_accepted":false}},{"claim_id":"R005-P1-C004 — Defined CARD Act account","area_numbers":[5],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID / area":"R005-P1-C004 — Defined CARD Act account","Precise claim":"The defined “credit card account under an open-end (not home-secured) consumer credit plan” is narrower than every credit device.","Trigger, conditions, and exceptions":"§ 2(a)(15)(ii) excludes § 40 home-equity plans, debit-card-accessed overdraft lines, and specified account-number-accessed overdraft lines. The last exclusion has a covered hybrid prepaid-credit exception.","Source pinpoint":"S004, § 2(a)(15)(i)–(iv), OI 2(a)(15)-4. \nConsumer Financial Protection Bureau","Status / limits":"L/OI; hybrid/prepaid classification not independently investigated beyond this gateway."},"coordinator_verification_status":"source_mapping_scope_reconciled_selected_passages_only","coordinator_review":{"at":"2026-10-29T08:26:02.273332+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","canonical_claim_ID":"R005-P1-C004","finding_ids":[],"scope":"Exact matching selected source passages only; selected source-group membership is not whole-clause/whole-claim/current-law certification. All original qualifiers/unreopened bodies/currentness/legal/application holds retained.","all_currentness_or_actual_application_accepted":false}},{"claim_id":"R005-P1-C005 — Business cards","area_numbers":[5],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID / area":"R005-P1-C005 — Business cards","Precise claim":"A business-purpose card does not acquire these consumer protections merely because some purchases are personal.","Trigger, conditions, and exceptions":"Conversely, occasional business use does not by itself convert a consumer-purpose card into exempt business credit. Limited issuance/unauthorized-use provisions can apply more broadly, but do not import §§ 9, 55, 56 wholesale.","Source pinpoint":"S001, § 1603(1); S004, § 3(a), OI 3(a)-2 and 2(a)(8)-4. \nuscode.house.gov\n+2","Status / limits":"L/OI; unknown purpose remains unknown."},"coordinator_verification_status":"source_mapping_scope_reconciled_selected_passages_only","coordinator_review":{"at":"2026-10-29T08:26:02.273332+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","canonical_claim_ID":"R005-P1-C005","finding_ids":[],"scope":"Exact matching selected source passages only; selected source-group membership is not whole-clause/whole-claim/current-law certification. All original qualifiers/unreopened bodies/currentness/legal/application holds retained.","all_currentness_or_actual_application_accepted":false}},{"claim_id":"R005-P1-C006 — Charge cards","area_numbers":[5],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID / area":"R005-P1-C006 — Charge cards","Precise claim":"Charge cards generally fall within references to credit cards and the defined consumer card account in subparts B and G.","Trigger, conditions, and exceptions":"A charge card has no periodic rate used to compute a finance charge. That does not categorically remove fee-change or over-limit rules; expressly differentiated provisions remain differentiated.","Source pinpoint":"S004, § 2(a)(15)(iii), OI 2(a)(15)-3. \nConsumer Financial Protection Bureau","Status / limits":"L/OI; no assumption that every APR rule has a factual application to a no-periodic-rate product."},"coordinator_verification_status":"source_mapping_scope_reconciled_selected_passages_only","coordinator_review":{"at":"2026-10-29T08:26:02.273332+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","canonical_claim_ID":"R005-P1-C006","finding_ids":[],"scope":"Exact matching selected source passages only; selected source-group membership is not whole-clause/whole-claim/current-law certification. All original qualifiers/unreopened bodies/currentness/legal/application holds retained.","all_currentness_or_actual_application_accepted":false}},{"claim_id":"R005-P1-C007 — Dollar-amount exclusion","area_numbers":[5],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID / area":"R005-P1-C007 — Dollar-amount exclusion","Precise claim":"The general large-credit exemption can be a necessary coverage issue.","Trigger, conditions, and exceptions":"The retrieved 2026 threshold is $73,400. Open-end treatment depends on the applicable initial extension or qualifying firm written commitment and the rule’s conditions; a later balance alone is not the test.","Source pinpoint":"S004, § 3(b)(1)–(2), OI 3(b)-3, -4. \nConsumer Financial Protection Bureau","Status / limits":"L/OI; opening date, applicable year, commitment, and exclusions unknown. No amount calculation."},"coordinator_verification_status":"source_mapping_scope_reconciled_selected_passages_only","coordinator_review":{"at":"2026-10-29T08:26:02.273332+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","canonical_claim_ID":"R005-P1-C007","finding_ids":[],"scope":"Exact matching selected source passages only; selected source-group membership is not whole-clause/whole-claim/current-law certification. All original qualifiers/unreopened bodies/currentness/legal/application holds retained.","all_currentness_or_actual_application_accepted":false}},{"claim_id":"R005-P1-C008 — Different scopes","area_numbers":[5],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID / area":"R005-P1-C008 — Different scopes","Precise claim":"§§ 9(c)(2) and 9(g) govern non-§ 40 open-end plans more broadly; §§ 55, 56 and the specific § 9(h) rejection branch use the narrower defined card-account scope.","Trigger, conditions, and exceptions":"A product may require a change notice without receiving every § 55 or § 56 protection.","Source pinpoint":"S006, §§ 9(c)(2)(i), (g)(1), (h); S007–S008 scope clauses. \nConsumer Financial Protection Bureau\n+2","Status / limits":"L; product classification must precede application."},"coordinator_verification_status":"source_mapping_scope_reconciled_selected_passages_only","coordinator_review":{"at":"2026-10-29T08:26:02.273332+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","canonical_claim_ID":"R005-P1-C008","finding_ids":[],"scope":"Exact matching selected source passages only; selected source-group membership is not whole-clause/whole-claim/current-law certification. All original qualifiers/unreopened bodies/currentness/legal/application holds retained.","all_currentness_or_actual_application_accepted":false}},{"claim_id":"R005-P1-C009 — Notice form and recipients","area_numbers":[5],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID / area":"R005-P1-C009 — Notice form and recipients","Precise claim":"Required written notices generally must be clear, conspicuous, and retainable; applicable electronic-delivery requirements remain separate.","Trigger, conditions, and exceptions":"§ 5(a) supplies the general form rule, subject to stated exceptions. § 5(d) addresses multiple consumers/creditors and permits specified single-recipient delivery; “each affected consumer” is read with that rule.","Source pinpoint":"S005, § 5(a), (d); S006, OI 9(g)-2. \nConsumer Financial Protection Bureau\n+1","Status / limits":"L/OI; actual consent, e-sign, address, recipient, and delivery validity held."},"coordinator_verification_status":"source_mapping_scope_reconciled_selected_passages_only","coordinator_review":{"at":"2026-10-29T08:26:02.273332+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","canonical_claim_ID":"R005-P1-C009","finding_ids":[],"scope":"Exact matching selected source passages only; selected source-group membership is not whole-clause/whole-claim/current-law certification. All original qualifiers/unreopened bodies/currentness/legal/application holds retained.","all_currentness_or_actual_application_accepted":false}},{"claim_id":"R005-P1-C010 — Significant change","area_numbers":[5],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID / area":"R005-P1-C010 — Significant change","Precise claim":"“Significant” is defined by specified disclosure categories, not a subjective assessment of importance.","Trigger, conditions, and exceptions":"Changes to § 6(b)(1)/(2) terms, an increase in the required minimum periodic payment, a § 6(b)(4) term change, or acquisition of a security interest qualify.","Source pinpoint":"S006, § 9(c)(2)(ii); S005, § 6(b). \nConsumer Financial Protection Bureau","Status / limits":"L; fee classification must be established, not assumed."},"coordinator_verification_status":"source_mapping_scope_reconciled_selected_passages_only","coordinator_review":{"at":"2026-10-29T08:26:02.273332+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","canonical_claim_ID":"R005-P1-C010","finding_ids":[],"scope":"Exact matching selected source passages only; selected source-group membership is not whole-clause/whole-claim/current-law certification. All original qualifiers/unreopened bodies/currentness/legal/application holds retained.","all_currentness_or_actual_application_accepted":false}},{"claim_id":"R005-P1-C011 — Ordinary 45-day notice","area_numbers":[5],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID / area":"R005-P1-C011 — Ordinary 45-day notice","Precise claim":"A significant change ordinarily requires written notice at least 45 days before its effective date.","Trigger, conditions, and exceptions":"Express exceptions are in (i)(B), (iii), and (v). An existing contractual penalty triggered without changing contractual terms is ordinarily noticed under (g) instead of (c)(2).","Source pinpoint":"S006, § 9(c)(2)(i)(A). \nConsumer Financial Protection Bureau","Status / limits":"L; not a universal 45-day rule for every change or fee."},"coordinator_verification_status":"source_mapping_scope_reconciled_selected_passages_only","coordinator_review":{"at":"2026-10-29T08:26:02.273332+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","canonical_claim_ID":"R005-P1-C011","finding_ids":[],"scope":"Exact matching selected source passages only; selected source-group membership is not whole-clause/whole-claim/current-law certification. All original qualifiers/unreopened bodies/currentness/legal/application holds retained.","all_currentness_or_actual_application_accepted":false}},{"claim_id":"R005-P1-C012 — Particular agreed change","area_numbers":[5],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID / area":"R005-P1-C012 — Particular agreed change","Precise claim":"The narrow agreed-change branch permits notice as late as the effective date.","Trigger, conditions, and exceptions":"It covers substituted collateral or a relatively unique change needed for additional credit. General reservation language, account use, accepting a generally applicable unilateral change, reopening, or upgrading do not qualify.","Source pinpoint":"S006, § 9(c)(2)(i)(B). \nConsumer Financial Protection Bureau","Status / limits":"L; this procedural exception does not establish contract formation or substantive permission."},"coordinator_verification_status":"source_mapping_scope_reconciled_selected_passages_only","coordinator_review":{"at":"2026-10-29T08:26:02.273332+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","canonical_claim_ID":"R005-P1-C012","finding_ids":[],"scope":"Exact matching selected source passages only; selected source-group membership is not whole-clause/whole-claim/current-law certification. All original qualifiers/unreopened bodies/currentness/legal/application holds retained.","all_currentness_or_actual_application_accepted":false}},{"claim_id":"R005-P1-C013 — Other plan charges","area_numbers":[5],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID / area":"R005-P1-C013 — Other plan charges","Precise claim":"For a new or increased § 6(b)(3) charge that is not a significant change, the creditor has a different notice choice.","Trigger, conditions, and exceptions":"Subject to the reduced-limit rule, either give the prescribed 45-day notice or disclose the charge’s amount before the consumer agrees to or becomes obligated to pay it; the latter disclosure may be oral or written.","Source pinpoint":"S006, § 9(c)(2)(iii)(A)–(B), OI; S005, § 6(b)(3). \nConsumer Financial Protection Bureau","Status / limits":"L/OI; classification and pre-obligation timing remain necessary."},"coordinator_verification_status":"source_mapping_scope_reconciled_selected_passages_only","coordinator_review":{"at":"2026-10-29T08:26:02.273332+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","canonical_claim_ID":"R005-P1-C013","finding_ids":[],"scope":"Exact matching selected source passages only; selected source-group membership is not whole-clause/whole-claim/current-law certification. All original qualifiers/unreopened bodies/currentness/legal/application holds retained.","all_currentness_or_actual_application_accepted":false}},{"claim_id":"R005-P1-C014 — Added features and checks","area_numbers":[5],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID / area":"R005-P1-C014 — Added features and checks","Precise claim":"Adding a feature can require both § 9(b) disclosures and § 9(c) advance notice; one notice can satisfy both.","Trigger, conditions, and exceptions":"Checks subject to § 9(b)(3) have their own on/with-check disclosure branch and a § 9(c) exception. That branch still does not override § 55.","Source pinpoint":"S006, § 9(b)(1)–(3), OI 9(c)(2)-4; S007, § 55(b)(3)(i). \nConsumer Financial Protection Bureau\n+2","Status / limits":"L/OI; not a blanket exemption for all new transactions."},"coordinator_verification_status":"source_mapping_scope_reconciled_selected_passages_only","coordinator_review":{"at":"2026-10-29T08:26:02.273332+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","canonical_claim_ID":"R005-P1-C014","finding_ids":[],"scope":"Exact matching selected source passages only; selected source-group membership is not whole-clause/whole-claim/current-law certification. All original qualifiers/unreopened bodies/currentness/legal/application holds retained.","all_currentness_or_actual_application_accepted":false}},{"claim_id":"R005-P1-C015 — Initially disclosed versus discretionary","area_numbers":[5],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID / area":"R005-P1-C015 — Initially disclosed versus discretionary","Precise claim":"A specifically disclosed future change can avoid a later change notice only when the relevant conditions are satisfied.","Trigger, conditions, and exceptions":"A properly disclosed qualifying temporary rate or variable formula differs from a contract merely authorizing discretionary changes. The latter still requires applicable notice.","Source pinpoint":"S006, OI 9(c)(2)-1; § 9(c)(2)(v). \nConsumer Financial Protection Bureau","Status / limits":"OI/L; reservation language proves neither agreement to a particular change nor legality."},"coordinator_verification_status":"source_mapping_scope_reconciled_selected_passages_only","coordinator_review":{"at":"2026-10-29T08:26:02.273332+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","canonical_claim_ID":"R005-P1-C015","finding_ids":[],"scope":"Exact matching selected source passages only; selected source-group membership is not whole-clause/whole-claim/current-law certification. All original qualifiers/unreopened bodies/currentness/legal/application holds retained.","all_currentness_or_actual_application_accepted":false}},{"claim_id":"R005-P1-C016 — Other no-notice branches","area_numbers":[5],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID / area":"R005-P1-C016 — Other no-notice branches","Precise claim":"§ 9(c)(2)(v)(A) exempts specified changes from this change-notice requirement.","Trigger, conditions, and exceptions":"These include documentary-evidence charges, reductions of charge components, suspension/termination, certain court-proceeding agreements, grace-period extensions, and check-only changes governed by § 9(b)(3). Reduced-limit protections remain; LIBOR margin reductions have a stated exception. OI also addresses names, insurers, operation of law, and properly disclosed skip features.","Source pinpoint":"S006, § 9(c)(2)(v)(A), OI -1, -2; S013. \necfr.gov\n+1","Status / limits":"L/OI; “no notice under this branch” does not mean “no legal constraints.”"},"coordinator_verification_status":"source_mapping_scope_reconciled_selected_passages_only","coordinator_review":{"at":"2026-10-29T08:26:02.273332+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","canonical_claim_ID":"R005-P1-C016","finding_ids":[],"scope":"Exact matching selected source passages only; selected source-group membership is not whole-clause/whole-claim/current-law certification. All original qualifiers/unreopened bodies/currentness/legal/application holds retained.","all_currentness_or_actual_application_accepted":false}},{"claim_id":"R005-P1-C017 — Temporary-term notice exception","area_numbers":[5],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID / area":"R005-P1-C017 — Temporary-term notice exception","Precise claim":"Expiration of a disclosed period can avoid a fresh § 9(c)(2) notice.","Trigger, conditions, and exceptions":"Before commencement, disclose the period and subsequent rate/fee clearly, in writing, with the required proximity and prominence to the first listing. The later term cannot exceed what was disclosed; a disclosed variable formula must remain the same.","Source pinpoint":"S006, § 9(c)(2)(v)(B), OI -6 to -10. \nConsumer Financial Protection Bureau\n+1","Status / limits":"L/OI; this notice exception alone does not establish § 55’s six-month condition or dispose of another notice provision."},"coordinator_verification_status":"source_mapping_scope_reconciled_selected_passages_only","coordinator_review":{"at":"2026-10-29T08:26:02.273332+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","canonical_claim_ID":"R005-P1-C017","finding_ids":[],"scope":"Exact matching selected source passages only; selected source-group membership is not whole-clause/whole-claim/current-law certification. All original qualifiers/unreopened bodies/currentness/legal/application holds retained.","all_currentness_or_actual_application_accepted":false}},{"claim_id":"R005-P1-C018 — Telephone temporary offer","area_numbers":[5],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID / area":"R005-P1-C018 — Telephone temporary offer","Precise claim":"OI permits delayed written temporary-offer disclosures in a narrow telephone branch.","Trigger, conditions, and exceptions":"Telephone acceptance; required disclosures and applicable rejection right given in the offer; writing as soon as reasonably practicable after the first covered transaction/fee. Generally allow rejection and reinstatement for 45 days after mailing/delivery of that writing, unless the post-offer term does not exceed the pre-offer term.","Source pinpoint":"S006, OI 9(c)(2)(v)-5. \nConsumer Financial Protection Bureau","Status / limits":"OI; this offer-rejection accommodation is distinct from the general § 9(h) APR exclusion."},"coordinator_verification_status":"source_mapping_scope_reconciled_selected_passages_only","coordinator_review":{"at":"2026-10-29T08:26:02.273332+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","canonical_claim_ID":"R005-P1-C018","finding_ids":[],"scope":"Exact matching selected source passages only; selected source-group membership is not whole-clause/whole-claim/current-law certification. All original qualifiers/unreopened bodies/currentness/legal/application holds retained.","all_currentness_or_actual_application_accepted":false}},{"claim_id":"R005-P1-C019 — Variable movement notice exception","area_numbers":[5],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID / area":"R005-P1-C019 — Variable movement notice exception","Precise claim":"A qualifying index-driven rate increase does not require a fresh § 9(c)(2) change notice.","Trigger, conditions, and exceptions":"The rate varies under a properly disclosed plan according to an index available to the public and outside the creditor’s control; this does not excuse changing the margin or formula.","Source pinpoint":"S006, § 9(c)(2)(v)(C), OI -12; S007, § 55(b)(2). \nConsumer Financial Protection Bureau\n+1","Status / limits":"L/OI; “variable” printed on a notice is insufficient proof."},"coordinator_verification_status":"source_mapping_scope_reconciled_selected_passages_only","coordinator_review":{"at":"2026-10-29T08:26:02.273332+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","canonical_claim_ID":"R005-P1-C019","finding_ids":[],"scope":"Exact matching selected source passages only; selected source-group membership is not whole-clause/whole-claim/current-law certification. All original qualifiers/unreopened bodies/currentness/legal/application holds retained.","all_currentness_or_actual_application_accepted":false}},{"claim_id":"R005-P1-C020 — Workout notice exception","area_numbers":[5],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID / area":"R005-P1-C020 — Workout notice exception","Precise claim":"Completion or failure of a qualifying workout can avoid a fresh § 9(c)(2) notice for the specified restoration.","Trigger, conditions, and exceptions":"Required terms must be disclosed beforehand; telephone disclosure may be followed by writing as soon as reasonably practicable. Disclosures include arrangement and post-arrangement rates/covered fees/minimums and relevant timely-payment conditions. Post-arrangement terms must satisfy the specified ceiling/formula conditions.","Source pinpoint":"S006, § 9(c)(2)(v)(D), OI -11; S007, § 55(b)(5). \nConsumer Financial Protection Bureau\n+1","Status / limits":"L/OI; fee-list inconsistency separately preserved in C021."},"coordinator_verification_status":"source_mapping_scope_reconciled_selected_passages_only","coordinator_review":{"at":"2026-10-29T08:26:02.273332+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","canonical_claim_ID":"R005-P1-C020","finding_ids":[],"scope":"Exact matching selected source passages only; selected source-group membership is not whole-clause/whole-claim/current-law certification. All original qualifiers/unreopened bodies/currentness/legal/application holds retained.","all_currentness_or_actual_application_accepted":false}},{"claim_id":"R005-P1-C021 — Workout text inconsistency","area_numbers":[5],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID / area":"R005-P1-C021 — Workout text inconsistency","Precise claim":"The retrieved operative workout notice provision contains a duplicated fee reference.","Trigger, conditions, and exceptions":"Both CFPB and eCFR display (ix) twice, while OI 9(c)(2)(v)-11.iii includes (xi), returned-payment fees. This report does not silently substitute one for the other or give an unqualified returned-payment-fee exemption conclusion.","Source pinpoint":"S006, § 9(c)(2)(v)(D); OI -11.iii. \necfr.gov\n+1","Status / limits":"U—published-text inconsistency. A verified correction or further controlling authority would be needed for that disputed subbranch."},"coordinator_verification_status":"source_mapping_scope_reconciled_selected_passages_only","coordinator_review":{"at":"2026-10-29T08:26:02.273332+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","canonical_claim_ID":"R005-P1-C021","finding_ids":[],"scope":"Exact matching selected source passages only; selected source-group membership is not whole-clause/whole-claim/current-law certification. All original qualifiers/unreopened bodies/currentness/legal/application holds retained.","all_currentness_or_actual_application_accepted":false}},{"claim_id":"R005-P1-C022 — Credit-limit reduction","area_numbers":[5],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID / area":"R005-P1-C022 — Credit-limit reduction","Precise claim":"A limit reduction itself does not universally require 45 days’ advance notice, but resulting over-limit consequences have a notice constraint.","Trigger, conditions, and exceptions":"Before imposing an over-limit fee or penalty rate solely because the balance exceeds the reduced limit, provide the required 45-day notice; § 9(c)(2)(vi) permits oral or written notice. §§ 55 and 56 remain separate constraints.","Source pinpoint":"S006, § 9(c)(2)(vi), OI 9(c)(2)(v)-1.i. \nConsumer Financial Protection Bureau","Status / limits":"L/OI; not authority to reprice old balances or charge an over-limit fee."},"coordinator_verification_status":"source_mapping_scope_reconciled_selected_passages_only","coordinator_review":{"at":"2026-10-29T08:26:02.273332+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","canonical_claim_ID":"R005-P1-C022","finding_ids":[],"scope":"Exact matching selected source passages only; selected source-group membership is not whole-clause/whole-claim/current-law certification. All original qualifiers/unreopened bodies/currentness/legal/application holds retained.","all_currentness_or_actual_application_accepted":false}},{"claim_id":"R005-P1-C023 — General change-notice content","area_numbers":[5],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID / area":"R005-P1-C023 — General change-notice content","Precise claim":"The notice must describe the change, its effective date, and required contextual information.","Trigger, conditions, and exceptions":"§ 9(c)(2)(iv)(A) requires the summary, statement that terms change, applicable additional-information/opt-out references, penalty-rate interaction, and identification of balances receiving an increased APR and balances retaining the current rate.","Source pinpoint":"S006, § 9(c)(2)(iv)(A)(1)–(8). \nConsumer Financial Protection Bureau","Status / limits":"L; a printed assertion about affected balances does not establish substantive authority."},"coordinator_verification_status":"source_mapping_scope_reconciled_selected_passages_only","coordinator_review":{"at":"2026-10-29T08:26:02.273332+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","canonical_claim_ID":"R005-P1-C023","finding_ids":[],"scope":"Exact matching selected source passages only; selected source-group membership is not whole-clause/whole-claim/current-law certification. All original qualifiers/unreopened bodies/currentness/legal/application holds retained.","all_currentness_or_actual_application_accepted":false}},{"claim_id":"R005-P1-C024 — Reasons for APR increase","area_numbers":[5],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID / area":"R005-P1-C024 — Reasons for APR increase","Precise claim":"A covered card APR-increase notice must give no more than four principal reasons, ranked by importance.","Trigger, conditions, and exceptions":"The reasons must accurately describe factors actually considered. A violation on the affected account must be specifically identified if among those principal reasons; there is no mandated minimum number.","Source pinpoint":"S006, § 9(c)(2)(iv)(A)(8), OI -11; § 9(g)(3)(i)(A)(6), OI 9(g)-7; S014 amended OI. \nfederalregister.gov","Status / limits":"L/OI; stated reasons are not independent proof that their factual predicates occurred."},"coordinator_verification_status":"source_mapping_scope_reconciled_selected_passages_only","coordinator_review":{"at":"2026-10-29T08:26:02.273332+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","canonical_claim_ID":"R005-P1-C024","finding_ids":[],"scope":"Exact matching selected source passages only; selected source-group membership is not whole-clause/whole-claim/current-law certification. All original qualifiers/unreopened bodies/currentness/legal/application holds retained.","all_currentness_or_actual_application_accepted":false}},{"claim_id":"R005-P1-C025 — Rejection disclosures","area_numbers":[5],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID / area":"R005-P1-C025 — Rejection disclosures","Precise claim":"Where the rejection branch applies, the notice must disclose the right, its timing, a usable toll-free method, and applicable loss of future credit access.","Trigger, conditions, and exceptions":"It must state rejection before the effective date, the specified delinquency qualification, instructions and toll-free number, and whether use for further advances will terminate or be suspended.","Source pinpoint":"S006, § 9(c)(2)(iv)(B)(1)–(3). \nConsumer Financial Protection Bureau","Status / limits":"L; exclusions are detailed in C069."},"coordinator_verification_status":"source_mapping_scope_reconciled_selected_passages_only","coordinator_review":{"at":"2026-10-29T08:26:02.273332+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","canonical_claim_ID":"R005-P1-C025","finding_ids":[],"scope":"Exact matching selected source passages only; selected source-group membership is not whole-clause/whole-claim/current-law certification. All original qualifiers/unreopened bodies/currentness/legal/application holds retained.","all_currentness_or_actual_application_accepted":false}},{"claim_id":"R005-P1-C026 — Delinquency restoration disclosures","area_numbers":[5],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID / area":"R005-P1-C026 — Delinquency restoration disclosures","Precise claim":"A qualifying more-than-60-day increase requires disclosure of the six-payment restoration condition for the old/within-14-day cohort.","Trigger, conditions, and exceptions":"The first qualifying payment is the first due after the increase takes effect. A covered fee increase under (c)(2)(iv)(C) must also state the reason; § 9(g) supplies the analogous rate disclosure.","Source pinpoint":"S006, §§ 9(c)(2)(iv)(C), 9(g)(3)(i)(B); S007, § 55(b)(4)(i). \nConsumer Financial Protection Bureau\n+2","Status / limits":"L; notice language does not prove delinquency or later restoration compliance."},"coordinator_verification_status":"source_mapping_scope_reconciled_selected_passages_only","coordinator_review":{"at":"2026-10-29T08:26:02.273332+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","canonical_claim_ID":"R005-P1-C026","finding_ids":[],"scope":"Exact matching selected source passages only; selected source-group membership is not whole-clause/whole-claim/current-law certification. All original qualifiers/unreopened bodies/currentness/legal/application holds retained.","all_currentness_or_actual_application_accepted":false}},{"claim_id":"R005-P1-C027 — Change-notice format","area_numbers":[5],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID / area":"R005-P1-C027 — Change-notice format","Precise claim":"The required change summary generally uses a table with headings and format substantially similar to G-17.","Trigger, conditions, and exceptions":"Minimum-payment increases, specified non-table § 6(b)(4) terms, and security-interest descriptions have stated table exceptions. Statement notices use the front of any statement page; separate notices use the front of the first page or a segregated page, subject to the rule’s continuation and ordering requirements.","Source pinpoint":"S006, § 9(c)(2)(iv)(D)(1)–(3). \nConsumer Financial Protection Bureau","Status / limits":"L; actual layout not inspected."},"coordinator_verification_status":"source_mapping_scope_reconciled_selected_passages_only","coordinator_review":{"at":"2026-10-29T08:26:02.273332+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","canonical_claim_ID":"R005-P1-C027","finding_ids":[],"scope":"Exact matching selected source passages only; selected source-group membership is not whole-clause/whole-claim/current-law certification. All original qualifiers/unreopened bodies/currentness/legal/application holds retained.","all_currentness_or_actual_application_accepted":false}},{"claim_id":"R005-P1-C028 — Formula and related-term disclosures","area_numbers":[5],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID / area":"R005-P1-C028 — Formula and related-term disclosures","Precise claim":"Margin/index changes require disclosure of the resulting rate and its variable character; fixed/variable conversions generally require notice even if the immediate rate falls.","Trigger, conditions, and exceptions":"Specified temporary/workout/statutory reductions and restoration exceptions apply. Changing a penalty rate, trigger, or duration requires redisclosure of the related penalty terms; changing a fee component requires the relevant full fee formula.","Source pinpoint":"S006, OI 9(c)(2)(iv)-1 to -6; S014 updated version. \nfederalregister.gov","Status / limits":"OI; notice does not establish authority for the conversion on protected balances."},"coordinator_verification_status":"source_mapping_scope_reconciled_selected_passages_only","coordinator_review":{"at":"2026-10-29T08:26:02.273332+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","canonical_claim_ID":"R005-P1-C028","finding_ids":[],"scope":"Exact matching selected source passages only; selected source-group membership is not whole-clause/whole-claim/current-law certification. All original qualifiers/unreopened bodies/currentness/legal/application holds retained.","all_currentness_or_actual_application_accepted":false}},{"claim_id":"R005-P1-C029 — § 9(g) trigger and sequence","area_numbers":[5],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID / area":"R005-P1-C029 — § 9(g) trigger and sequence","Precise claim":"A delinquency/default/penalty rate notice generally must be written, provided after the triggering event, and at least 45 days before the increase takes effect.","Trigger, conditions, and exceptions":"Applies to non-§ 40 plans; § 9(g)(4) supplies a special reduced-limit route. A pre-event contractual disclosure is not the required post-trigger notice.","Source pinpoint":"S006, § 9(g)(1)–(2). \nConsumer Financial Protection Bureau","Status / limits":"L; trigger occurrence remains factual."},"coordinator_verification_status":"source_mapping_scope_reconciled_selected_passages_only","coordinator_review":{"at":"2026-10-29T08:26:02.273332+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","canonical_claim_ID":"R005-P1-C029","finding_ids":[],"scope":"Exact matching selected source passages only; selected source-group membership is not whole-clause/whole-claim/current-law certification. All original qualifiers/unreopened bodies/currentness/legal/application holds retained.","all_currentness_or_actual_application_accepted":false}},{"claim_id":"R005-P1-C030 — § 9(g) content and format","area_numbers":[5],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID / area":"R005-P1-C030 — § 9(g) content and format","Precise claim":"A penalty notice must state the trigger, effective date, cessation conditions or potentially indefinite duration, affected balances, applicable protected balances, and required principal reasons/restoration information.","Trigger, conditions, and exceptions":"On/with a statement, use the required table on the front of a page, above a combined change notice. A separate notice begins on its first-page front and has restrictions on unrelated content; permitted combinations remain available.","Source pinpoint":"S006, § 9(g)(3)(i)–(ii). \nConsumer Financial Protection Bureau","Status / limits":"L; no conclusion about any unseen notice."},"coordinator_verification_status":"source_mapping_scope_reconciled_selected_passages_only","coordinator_review":{"at":"2026-10-29T08:26:02.273332+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","canonical_claim_ID":"R005-P1-C030","finding_ids":[],"scope":"Exact matching selected source passages only; selected source-group membership is not whole-clause/whole-claim/current-law certification. All original qualifiers/unreopened bodies/currentness/legal/application holds retained.","all_currentness_or_actual_application_accepted":false}},{"claim_id":"R005-P1-C031 — § 9(g)(4) reduced-limit route","area_numbers":[5],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID / area":"R005-P1-C031 — § 9(g)(4) reduced-limit route","Precise claim":"The alternative reduced-limit penalty notice is conditional, not unconditional permission to impose the rate.","Trigger, conditions, and exceptions":"Written notice at least 45 days before imposition must disclose the reduction, test date, nonimposition if the balance is within the limit on that date, duration, and affected/protected balances. The creditor must honor the nonimposition condition and prescribed format.","Source pinpoint":"S006, § 9(g)(4)(i)–(iii). \nConsumer Financial Protection Bureau","Status / limits":"L; § 55 independently limits old-balance repricing."},"coordinator_verification_status":"source_mapping_scope_reconciled_selected_passages_only","coordinator_review":{"at":"2026-10-29T08:26:02.273332+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","canonical_claim_ID":"R005-P1-C031","finding_ids":[],"scope":"Exact matching selected source passages only; selected source-group membership is not whole-clause/whole-claim/current-law certification. All original qualifiers/unreopened bodies/currentness/legal/application holds retained.","all_currentness_or_actual_application_accepted":false}},{"claim_id":"R005-P1-C032 — Calendar versus business days","area_numbers":[5],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID / area":"R005-P1-C032 — Calendar versus business days","Precise claim":"The relevant 45-, 14-, and 60-day periods are not business-day periods.","Trigger, conditions, and exceptions":"The text uses days without a business-day qualification. § 2(a)(6)’s office-open definition and its special Sundays/federal-holidays definition do not convert these periods into excluded-weekend calculations. Months, billing cycles, and payment sequences remain their stated units.","Source pinpoint":"S004, § 2(a)(6); S006–S007 timing clauses. \nConsumer Financial Protection Bureau\n+1","Status / limits":"L/I; no actual calendar calculation performed."},"coordinator_verification_status":"source_mapping_scope_reconciled_selected_passages_only","coordinator_review":{"at":"2026-10-29T08:26:02.273332+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","canonical_claim_ID":"R005-P1-C032","finding_ids":[],"scope":"Exact matching selected source passages only; selected source-group membership is not whole-clause/whole-claim/current-law certification. All original qualifiers/unreopened bodies/currentness/legal/application holds retained.","all_currentness_or_actual_application_accepted":false}},{"claim_id":"R005-P1-C033 — No imported receipt presumption","area_numbers":[5],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID / area":"R005-P1-C033 — No imported receipt presumption","Precise claim":"These change-notice branches do not supply a universal three-business-day deemed-receipt rule.","Trigger, conditions, and exceptions":"The relevant anchor is provision of the required notice; the telephone-offer accommodation expressly uses mailing/delivery. A document’s printed date alone does not prove legally sufficient provision. Mortgage receipt presumptions are not imported.","Source pinpoint":"S006, § 9(c)(2)(i), (g)(2), OI 9(c)(2)(v)-5; S004, § 2(a)(6). \nConsumer Financial Protection Bureau\n+2","Status / limits":"L/I; contract, electronic-delivery validity, and any separate applicable-law presumption held."},"coordinator_verification_status":"source_mapping_scope_reconciled_selected_passages_only","coordinator_review":{"at":"2026-10-29T08:26:02.273332+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","canonical_claim_ID":"R005-P1-C033","finding_ids":[],"scope":"Exact matching selected source passages only; selected source-group membership is not whole-clause/whole-claim/current-law certification. All original qualifiers/unreopened bodies/currentness/legal/application holds retained.","all_currentness_or_actual_application_accepted":false}},{"claim_id":"R005-P1-C034 — Payment receipt is different","area_numbers":[5],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID / area":"R005-P1-C034 — Payment receipt is different","Precise claim":"Payment mailing, creditor receipt, crediting, and collection are not interchangeable dates.","Trigger, conditions, and exceptions":"§ 10 generally requires crediting as of receipt, subject to its conditions. Its next-business-day protection where payments are not accepted on the due date uses the next day the creditor accepts/receives mailed payments; it does not automatically extend available electronic/telephone methods.","Source pinpoint":"S009, § 10(a)–(d), OI; S003, § 1637(o). \nConsumer Financial Protection Bureau","Status / limits":"L/OI; this is a payment rule, not a change-notice mailing presumption."},"coordinator_verification_status":"source_mapping_scope_reconciled_selected_passages_only","coordinator_review":{"at":"2026-10-29T08:26:02.273332+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","canonical_claim_ID":"R005-P1-C034","finding_ids":[],"scope":"Exact matching selected source passages only; selected source-group membership is not whole-clause/whole-claim/current-law certification. All original qualifiers/unreopened bodies/currentness/legal/application holds retained.","all_currentness_or_actual_application_accepted":false}},{"claim_id":"R005-P1-C035 — Opening-date convention","area_numbers":[5],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID / area":"R005-P1-C035 — Opening-date convention","Precise claim":"The first-year restriction is measured from a permitted opening date no earlier than usability.","Trigger, conditions, and exceptions":"Comment 52(a)(1)-4 permits specified first-use, activation, or seven-days-after-mailing/delivery of opening disclosures methods, with stated conditions and a reasonable-procedure adjustment. § 55 imports these methods.","Source pinpoint":"S010, OI 52(a)(1)-4; S007, OI 55(b)(3)-7. \nConsumer Financial Protection Bureau\n+1","Status / limits":"OI; this seven-day convention is not presumed receipt of a change notice."},"coordinator_verification_status":"source_mapping_scope_reconciled_selected_passages_only","coordinator_review":{"at":"2026-10-29T08:26:02.273332+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","canonical_claim_ID":"R005-P1-C035","finding_ids":[],"scope":"Exact matching selected source passages only; selected source-group membership is not whole-clause/whole-claim/current-law certification. All original qualifiers/unreopened bodies/currentness/legal/application holds retained.","all_currentness_or_actual_application_accepted":false}},{"claim_id":"R005-P1-C036 — No actual deadline","area_numbers":[5],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID / area":"R005-P1-C036 — No actual deadline","Precise claim":"No personalized effective date, rejection deadline, delinquency date, or restoration date can be established here.","Trigger, conditions, and exceptions":"Provision/delivery facts, the legally operative due dates, payment receipts, transaction dates, effective date, first post-effective payment, and billing-cycle boundaries were not supplied or investigated.","Source pinpoint":"Audit inference from C011, C029, C032–C035, C040–C053.","Status / limits":"I/U; legal periods are retained without inventing calendar facts."},"coordinator_verification_status":"source_mapping_scope_reconciled_selected_passages_only","coordinator_review":{"at":"2026-10-29T08:26:02.273332+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","canonical_claim_ID":"R005-P1-C036","finding_ids":[],"scope":"Exact matching selected source passages only; selected source-group membership is not whole-clause/whole-claim/current-law certification. All original qualifiers/unreopened bodies/currentness/legal/application holds retained.","all_currentness_or_actual_application_accepted":false}},{"claim_id":"R005-P1-C037 — Statutory existing balance","area_numbers":[5],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID / area":"R005-P1-C037 — Statutory existing balance","Precise claim":"§ 1666i-1 prohibits increases in APRs, fees, or finance charges on outstanding balances except its specified branches.","Trigger, conditions, and exceptions":"The statute addresses disclosed-period expiration, public uncontrolled indices, workout completion/failure, and qualifying 60-day nonpayment; it also governs repayment. Its “outstanding balance” definition uses the amount owed at the end of the 14th day after proper notice.","Source pinpoint":"S002, § 1666i-1(a)–(d), complete. \nuscode.house.gov","Status / limits":"Statute; regulatory implementation and transaction-date OI must also be read."},"coordinator_verification_status":"source_mapping_scope_reconciled_selected_passages_only","coordinator_review":{"at":"2026-10-29T08:26:02.273332+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","canonical_claim_ID":"R005-P1-C037","finding_ids":[],"scope":"Exact matching selected source passages only; selected source-group membership is not whole-clause/whole-claim/current-law certification. All original qualifiers/unreopened bodies/currentness/legal/application holds retained.","all_currentness_or_actual_application_accepted":false}},{"claim_id":"R005-P1-C038 — Statutory first year/promotion","area_numbers":[5],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID / area":"R005-P1-C038 — Statutory first year/promotion","Precise claim":"§ 1666i-2 supplies a first-year restriction and a minimum promotional-APR period.","Trigger, conditions, and exceptions":"Its first-year exception cross-references § 1666i-1(b)(1)–(4). Promotional APR increases generally cannot occur before the six-month period ends, subject to authorized regulatory exceptions.","Source pinpoint":"S002, § 1666i-2(a)–(b), complete. \nuscode.house.gov","Status / limits":"Statute; not a statement that every card fee is frozen for a year."},"coordinator_verification_status":"source_mapping_scope_reconciled_selected_passages_only","coordinator_review":{"at":"2026-10-29T08:26:02.273332+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","canonical_claim_ID":"R005-P1-C038","finding_ids":[],"scope":"Exact matching selected source passages only; selected source-group membership is not whole-clause/whole-claim/current-law certification. All original qualifiers/unreopened bodies/currentness/legal/application holds retained.","all_currentness_or_actual_application_accepted":false}},{"claim_id":"R005-P1-C039 — § 55’s regulated terms","area_numbers":[5],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID / area":"R005-P1-C039 — § 55’s regulated terms","Precise claim":"§ 55(a) covers APRs and specifically the fees/charges disclosed under § 6(b)(2)(ii), (iii), and (xii).","Trigger, conditions, and exceptions":"These are issuance/availability charges; fixed finance/minimum-interest charges; and required insurance/debt-cancellation/debt-suspension coverage. The rule does not label every card fee a § 55 fee.","Source pinpoint":"S007, § 55(a); S005, exact § 6(b)(2) clauses. \necfr.gov\n+2","Status / limits":"L; statute and regulation use different wording and are not silently merged."},"coordinator_verification_status":"source_mapping_scope_reconciled_selected_passages_only","coordinator_review":{"at":"2026-10-29T08:26:02.273332+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","canonical_claim_ID":"R005-P1-C039","finding_ids":[],"scope":"Exact matching selected source passages only; selected source-group membership is not whole-clause/whole-claim/current-law certification. All original qualifiers/unreopened bodies/currentness/legal/application holds retained.","all_currentness_or_actual_application_accepted":false}},{"claim_id":"R005-P1-C040 — Advance-notice balance cohorts","area_numbers":[5],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID / area":"R005-P1-C040 — Advance-notice balance cohorts","Precise claim":"Under § 55(b)(3), an increased term disclosed under § 9(b) cannot reach earlier transactions; a § 9(c)/(g) increase cannot reach transactions before or within 14 days after provision.","Trigger, conditions, and exceptions":"Compliance with applicable notice is necessary. Protection is against that increase under that exception, not every separately authorized future movement.","Source pinpoint":"S007, § 55(b)(3)(i)–(ii). \necfr.gov","Status / limits":"L; no actual transaction classification."},"coordinator_verification_status":"source_mapping_scope_reconciled_selected_passages_only","coordinator_review":{"at":"2026-10-29T08:26:02.273332+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","canonical_claim_ID":"R005-P1-C040","finding_ids":[],"scope":"Exact matching selected source passages only; selected source-group membership is not whole-clause/whole-claim/current-law certification. All original qualifiers/unreopened bodies/currentness/legal/application holds retained.","all_currentness_or_actual_application_accepted":false}},{"claim_id":"R005-P1-C041 — First year, closure, unavailable credit","area_numbers":[5],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID / area":"R005-P1-C041 — First year, closure, unavailable credit","Precise claim":"The advance-notice exception cannot be used during the first year, while the account is closed, or while new transactions are not permitted.","Trigger, conditions, and exceptions":"Notice may precede the permissible application date. OI permits a limited delay to the next cycle if unavailable on the original effective date; continued unavailability then requires a new notice. Other independently satisfied exceptions remain distinct.","Source pinpoint":"S007, § 55(b)(3)(iii), OI -6, -7. \nConsumer Financial Protection Bureau","Status / limits":"L/OI; closure is not universal immunity from all previously applicable charges."},"coordinator_verification_status":"source_mapping_scope_reconciled_selected_passages_only","coordinator_review":{"at":"2026-10-29T08:26:02.273332+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","canonical_claim_ID":"R005-P1-C041","finding_ids":[],"scope":"Exact matching selected source passages only; selected source-group membership is not whole-clause/whole-claim/current-law certification. All original qualifiers/unreopened bodies/currentness/legal/application holds retained.","all_currentness_or_actual_application_accepted":false}},{"claim_id":"R005-P1-C042 — Transaction-date qualifications","area_numbers":[5],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID / area":"R005-P1-C042 — Transaction-date qualifications","Precise claim":"Transaction date generally controls, but posting and estimated-hold rules can change the § 55 classification.","Trigger, conditions, and exceptions":"A within-14-day transaction not charged before the effective date may be treated as later. For an estimated merchant hold, the relevant date is when the issuer receives the actual transaction amount.","Source pinpoint":"S007, OI 55(b)-4; 55(b)(3)-4.iii. \nConsumer Financial Protection Bureau\n+1","Status / limits":"OI; authorization date alone is insufficient."},"coordinator_verification_status":"source_mapping_scope_reconciled_selected_passages_only","coordinator_review":{"at":"2026-10-29T08:26:02.273332+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","canonical_claim_ID":"R005-P1-C042","finding_ids":[],"scope":"Exact matching selected source passages only; selected source-group membership is not whole-clause/whole-claim/current-law certification. All original qualifiers/unreopened bodies/currentness/legal/application holds retained.","all_currentness_or_actual_application_accepted":false}},{"claim_id":"R005-P1-C043 — Effective date and interest","area_numbers":[5],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID / area":"R005-P1-C043 — Effective date and interest","Precise claim":"Eligibility of a later transaction for an increase does not permit charging the increased rate before the required notice effective date.","Trigger, conditions, and exceptions":"This concerns increases requiring the § 9(c)/(g) notice. It must not be generalized into a prohibition on every billing-cycle application of a genuine variable-index formula.","Source pinpoint":"S007, OI 55(b)-2; S016, pp. 9–10. \nConsumer Financial Protection Bureau\n+1","Status / limits":"OI/J; formula and exception matter."},"coordinator_verification_status":"source_mapping_scope_reconciled_selected_passages_only","coordinator_review":{"at":"2026-10-29T08:26:02.273332+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","canonical_claim_ID":"R005-P1-C043","finding_ids":[],"scope":"Exact matching selected source passages only; selected source-group membership is not whole-clause/whole-claim/current-law certification. All original qualifiers/unreopened bodies/currentness/legal/application holds retained.","all_currentness_or_actual_application_accepted":false}},{"claim_id":"R005-P1-C044 — Temporary exception: duration/disclosure","area_numbers":[5],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID / area":"R005-P1-C044 — Temporary exception: duration/disclosure","Precise claim":"§ 55(b)(1) permits expiration increases only after a specified period of at least six months, with required prior written disclosure.","Trigger, conditions, and exceptions":"The period ordinarily runs no earlier than disclosure or later usability. For a single transaction it runs at least six months from that transaction; a qualifying transaction-window promotion does not necessarily give each transaction its own six months.","Source pinpoint":"S007, § 55(b)(1)(i), OI -1, -2. \nConsumer Financial Protection Bureau","Status / limits":"L/OI; notice exception C017 is not a substitute for this substantive test."},"coordinator_verification_status":"source_mapping_scope_reconciled_selected_passages_only","coordinator_review":{"at":"2026-10-29T08:26:02.273332+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","canonical_claim_ID":"R005-P1-C044","finding_ids":[],"scope":"Exact matching selected source passages only; selected source-group membership is not whole-clause/whole-claim/current-law certification. All original qualifiers/unreopened bodies/currentness/legal/application holds retained.","all_currentness_or_actual_application_accepted":false}},{"claim_id":"R005-P1-C045 — Temporary exception: cohort ceilings","area_numbers":[5],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID / area":"R005-P1-C045 — Temporary exception: cohort ceilings","Precise claim":"Expiration does not permit one indiscriminate post-promotion rate on all balances.","Trigger, conditions, and exceptions":"Pre-period transactions cannot exceed their pre-period term under this branch; if disclosures were under § 9(c), within-14-day transactions have the specified prior-category ceiling; during-period transactions cannot exceed the disclosed subsequent term.","Source pinpoint":"S007, § 55(b)(1)(ii)(A)–(C). \nConsumer Financial Protection Bureau\n+1","Status / limits":"L; other independent exceptions may affect the applicable rate."},"coordinator_verification_status":"source_mapping_scope_reconciled_selected_passages_only","coordinator_review":{"at":"2026-10-29T08:26:02.273332+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","canonical_claim_ID":"R005-P1-C045","finding_ids":[],"scope":"Exact matching selected source passages only; selected source-group membership is not whole-clause/whole-claim/current-law certification. All original qualifiers/unreopened bodies/currentness/legal/application holds retained.","all_currentness_or_actual_application_accepted":false}},{"claim_id":"R005-P1-C046 — Contingencies and deferred interest","area_numbers":[5],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID / area":"R005-P1-C046 — Contingencies and deferred interest","Precise claim":"A discretionary or event-contingent revocation is not merely expiration of a specified period.","Trigger, conditions, and exceptions":"A minor late payment or missed spending condition does not itself authorize old-balance repricing under (b)(1). Deferred-interest programs have specific disclosed-duration/rate conditions; a qualifying (b)(4) increase and later restoration have distinct treatment, including no automatic refund of previously imposed deferred interest.","Source pinpoint":"S007, OI 55(b)(1)-3, -4. \nConsumer Financial Protection Bureau","Status / limits":"OI; no broader accrual or deferred-interest accounting study."},"coordinator_verification_status":"source_mapping_scope_reconciled_selected_passages_only","coordinator_review":{"at":"2026-10-29T08:26:02.273332+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","canonical_claim_ID":"R005-P1-C046","finding_ids":[],"scope":"Exact matching selected source passages only; selected source-group membership is not whole-clause/whole-claim/current-law certification. All original qualifiers/unreopened bodies/currentness/legal/application holds retained.","all_currentness_or_actual_application_accepted":false}},{"claim_id":"R005-P1-C047 — Genuine variable-index exception","area_numbers":[5],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID / area":"R005-P1-C047 — Genuine variable-index exception","Precise claim":"§ 55(b)(2) requires a public index outside the issuer’s control and an APR increase actually caused by its increase.","Trigger, conditions, and exceptions":"Own prime/cost-of-funds indices, a floor preventing corresponding decreases, or discretionary index-value selection can fail the test. A maximum cap is distinguished from a minimum floor.","Source pinpoint":"S007, § 55(b)(2), OI -1, -2. \nConsumer Financial Protection Bureau\n+1","Status / limits":"L/OI; no actual index series or agreement examined."},"coordinator_verification_status":"source_mapping_scope_reconciled_selected_passages_only","coordinator_review":{"at":"2026-10-29T08:26:02.273332+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","canonical_claim_ID":"R005-P1-C047","finding_ids":[],"scope":"Exact matching selected source passages only; selected source-group membership is not whole-clause/whole-claim/current-law certification. All original qualifiers/unreopened bodies/currentness/legal/application holds retained.","all_currentness_or_actual_application_accepted":false}},{"claim_id":"R005-P1-C048 — Formula changes are different","area_numbers":[5],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID / area":"R005-P1-C048 — Formula changes are different","Precise claim":"Increasing a margin or changing the rate-determination method is not authorized merely by the variable-rate exception.","Trigger, conditions, and exceptions":"This remains true even without an immediate numerical increase. OI allows some changes in measurement day; that is not blanket discretion to choose an advantageous index value. Fixed-to-variable conversion cannot evade protection of the existing fixed-rate balance.","Source pinpoint":"S007, OI 55(b)(2)-1 through -4. \nConsumer Financial Protection Bureau\n+1","Status / limits":"OI; index replacement has its own C057–C060 branch."},"coordinator_verification_status":"source_mapping_scope_reconciled_selected_passages_only","coordinator_review":{"at":"2026-10-29T08:26:02.273332+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","canonical_claim_ID":"R005-P1-C048","finding_ids":[],"scope":"Exact matching selected source passages only; selected source-group membership is not whole-clause/whole-claim/current-law certification. All original qualifiers/unreopened bodies/currentness/legal/application holds retained.","all_currentness_or_actual_application_accepted":false}},{"claim_id":"R005-P1-C049 — Material published opinion","area_numbers":[5],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID / area":"R005-P1-C049 — Material published opinion","Precise claim":"In Milliken, the Ninth Circuit held that the stipulated public-prime-plus-constant-margin, fixed month-end observation formula could qualify without daily matching of index changes.","Trigger, conditions, and exceptions":"The majority distinguished discretionary manipulation and the notice-based no-pre-effective-interest commentary; it affirmed dismissal.","Source pinpoint":"S016, majority pp. 7–12, disposition p. 13. \ncdn.ca9.uscourts.gov","Status / limits":"J; Ninth Circuit, as issued. Later history held; not a universal validation of all variable-rate methods."},"coordinator_verification_status":"source_mapping_scope_reconciled_selected_passages_only","coordinator_review":{"at":"2026-10-29T08:26:02.273332+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","canonical_claim_ID":"R005-P1-C049","finding_ids":[],"scope":"Exact matching selected source passages only; selected source-group membership is not whole-clause/whole-claim/current-law certification. All original qualifiers/unreopened bodies/currentness/legal/application holds retained.","all_currentness_or_actual_application_accepted":false}},{"claim_id":"R005-P1-C050 — Actual delinquency predicate","area_numbers":[5],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID / area":"R005-P1-C050 — Actual delinquency predicate","Precise claim":"§ 55(b)(4) requires nonreceipt of the required minimum periodic payment within 60 days after its due date.","Trigger, conditions, and exceptions":"“Late,” “default,” a missed payment elsewhere, or a notice’s assertion is insufficient by itself. OI compares amounts received with the first outstanding required minimum; generic “two missed statements” language is not the legal test.","Source pinpoint":"S007, § 55(b)(4), OI -1; S002, § 1666i-1(b)(4). \nConsumer Financial Protection Bureau","Status / limits":"L/OI; required amount, due date, and receipt remain unproved."},"coordinator_verification_status":"source_mapping_scope_reconciled_selected_passages_only","coordinator_review":{"at":"2026-10-29T08:26:02.273332+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","canonical_claim_ID":"R005-P1-C050","finding_ids":[],"scope":"Exact matching selected source passages only; selected source-group membership is not whole-clause/whole-claim/current-law certification. All original qualifiers/unreopened bodies/currentness/legal/application holds retained.","all_currentness_or_actual_application_accepted":false}},{"claim_id":"R005-P1-C051 — Later old-balance penalty requires proper notice","area_numbers":[5],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID / area":"R005-P1-C051 — Later old-balance penalty requires proper notice","Precise claim":"An earlier notice based on a shorter delinquency does not, merely by aging, prove compliance for a later old-balance increase under (b)(4).","Trigger, conditions, and exceptions":"The qualifying event and applicable post-trigger 45-day notice must be established. A later notice may be necessary; the earlier notice cannot be assumed to satisfy a condition that had not occurred.","Source pinpoint":"S006, § 9(g)(2); S007, § 55(b)(4); OI 9(g)-1. \nConsumer Financial Protection Bureau\n+1","Status / limits":"L/I; no actual sequence reconstructed."},"coordinator_verification_status":"source_mapping_scope_reconciled_selected_passages_only","coordinator_review":{"at":"2026-10-29T08:26:02.273332+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","canonical_claim_ID":"R005-P1-C051","finding_ids":[],"scope":"Exact matching selected source passages only; selected source-group membership is not whole-clause/whole-claim/current-law certification. All original qualifiers/unreopened bodies/currentness/legal/application holds retained.","all_currentness_or_actual_application_accepted":false}},{"claim_id":"R005-P1-C052 — Mandatory six-payment restoration","area_numbers":[5],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID / area":"R005-P1-C052 — Mandatory six-payment restoration","Precise claim":"If the first six consecutive required minimum payments beginning with the first due after effectiveness are received on/before their due dates, § 55(b)(4)(ii) requires restoration for the specified older cohort.","Trigger, conditions, and exceptions":"The cohort is transactions before or within 14 days after the notice. This is not a promise that any later six timely payments automatically restore every transaction’s rate.","Source pinpoint":"S007, § 55(b)(4)(ii), OI -3; S006 restoration disclosures. \nConsumer Financial Protection Bureau\n+1","Status / limits":"L/OI; first due date, six receipts, and cohort unknown."},"coordinator_verification_status":"source_mapping_scope_reconciled_selected_passages_only","coordinator_review":{"at":"2026-10-29T08:26:02.273332+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","canonical_claim_ID":"R005-P1-C052","finding_ids":[],"scope":"Exact matching selected source passages only; selected source-group membership is not whole-clause/whole-claim/current-law certification. All original qualifiers/unreopened bodies/currentness/legal/application holds retained.","all_currentness_or_actual_application_accepted":false}},{"claim_id":"R005-P1-C053 — Restoration qualifications","area_numbers":[5],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID / area":"R005-P1-C053 — Restoration qualifications","Precise claim":"Restoration can reflect another independently valid exception and has a stated implementation accommodation.","Trigger, conditions, and exceptions":"An expired qualifying temporary rate or genuine variable movement can affect the restored rate. OI permits implementation on the next cycle’s first day when the restoration date falls mid-cycle. Separate § 59 review may remain relevant.","Source pinpoint":"S007, OI 55(b)(4)-3.ii–iii; S011. \nConsumer Financial Protection Bureau","Status / limits":"OI; no universal return to the original opening APR."},"coordinator_verification_status":"source_mapping_scope_reconciled_selected_passages_only","coordinator_review":{"at":"2026-10-29T08:26:02.273332+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","canonical_claim_ID":"R005-P1-C053","finding_ids":[],"scope":"Exact matching selected source passages only; selected source-group membership is not whole-clause/whole-claim/current-law certification. All original qualifiers/unreopened bodies/currentness/legal/application holds retained.","all_currentness_or_actual_application_accepted":false}},{"claim_id":"R005-P1-C054 — Workout substantive authority","area_numbers":[5],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID / area":"R005-P1-C054 — Workout substantive authority","Precise claim":"§ 55(b)(5) permits specified increases on completion or failure of a workout only with required prior disclosure and a ceiling for pre-arrangement transactions.","Trigger, conditions, and exceptions":"The restored term for those transactions cannot exceed the pre-arrangement term under this exception. Other valid exceptions can separately affect that ceiling; oral-telephone disclosure has the prescribed prompt-writing route.","Source pinpoint":"S007, § 55(b)(5)(i)–(ii), OI -2, -3; S006, § 9(c)(2)(v)(D). \nConsumer Financial Protection Bureau","Status / limits":"L/OI; completion/failure and earlier terms must be proved."},"coordinator_verification_status":"source_mapping_scope_reconciled_selected_passages_only","coordinator_review":{"at":"2026-10-29T08:26:02.273332+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","canonical_claim_ID":"R005-P1-C054","finding_ids":[],"scope":"Exact matching selected source passages only; selected source-group membership is not whole-clause/whole-claim/current-law certification. All original qualifiers/unreopened bodies/currentness/legal/application holds retained.","all_currentness_or_actual_application_accepted":false}},{"claim_id":"R005-P1-C055 — Workout is not a waiver of § 55","area_numbers":[5],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID / area":"R005-P1-C055 — Workout is not a waiver of § 55","Precise claim":"A workout does not permit the issuer to contract around § 55’s substantive or protected-balance repayment requirements.","Trigger, conditions, and exceptions":"Any increase still needs an exception; a protected balance cannot be required to repay on terms exceeding § 55(c)’s limits merely because a workout is involved.","Source pinpoint":"S007, OI 55(b)(5)-1. \nConsumer Financial Protection Bureau","Status / limits":"OI; no settlement, waiver, or actual workout validity determination."},"coordinator_verification_status":"source_mapping_scope_reconciled_selected_passages_only","coordinator_review":{"at":"2026-10-29T08:26:02.273332+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","canonical_claim_ID":"R005-P1-C055","finding_ids":[],"scope":"Exact matching selected source passages only; selected source-group membership is not whole-clause/whole-claim/current-law certification. All original qualifiers/unreopened bodies/currentness/legal/application holds retained.","all_currentness_or_actual_application_accepted":false}},{"claim_id":"R005-P1-C056 — SCRA-related restoration","area_numbers":[5],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID / area":"R005-P1-C056 — SCRA-related restoration","Precise claim":"§ 55(b)(6) permits specified restoration when the legal protection causing the reduction no longer applies.","Trigger, conditions, and exceptions":"For transactions predating the reduction, this branch cannot exceed the pre-reduction term; other exceptions remain separate. Applicable change notice is still required. The fee-rejection exclusion has its own pre-reduction ceiling.","Source pinpoint":"S007, § 55(b)(6), OI -1, -2; S006, § 9(c)(2)(iv)(B); S024 codification note. \nConsumer Financial Protection Bureau\n+2","Status / limits":"L/OI; old app. § 527 reference identified as current § 3937 in the 2024 Code. Actual eligibility/end date and 2026 SCRA audit held."},"coordinator_verification_status":"source_mapping_scope_reconciled_selected_passages_only","coordinator_review":{"at":"2026-10-29T08:26:02.273332+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","canonical_claim_ID":"R005-P1-C056","finding_ids":[],"scope":"Exact matching selected source passages only; selected source-group membership is not whole-clause/whole-claim/current-law certification. All original qualifiers/unreopened bodies/currentness/legal/application holds retained.","all_currentness_or_actual_application_accepted":false}},{"claim_id":"R005-P1-C057 — Unavailable-index replacement","area_numbers":[5],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID / area":"R005-P1-C057 — Unavailable-index replacement","Precise claim":"§ 55(b)(7)(i) permits a replacement index and margin after the original index becomes unavailable, subject to substantial-similarity conditions.","Trigger, conditions, and exceptions":"Historical fluctuations must be substantially similar; the resulting rate must be substantially similar to the rate at unavailability. A new index without history has the specified rate test. Updated LIBOR OI ordinarily uses the unavailability-day values, or the previous calendar day both were published, subject to the Board-selected exception.","Source pinpoint":"S007, § 55(b)(7)(i); S014, OI 55(b)(7)(i)-1, -2. \necfr.gov\n+1","Status / limits":"L/OI; actual unavailability and comparison not established."},"coordinator_verification_status":"source_mapping_scope_reconciled_selected_passages_only","coordinator_review":{"at":"2026-10-29T08:26:02.273332+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","canonical_claim_ID":"R005-P1-C057","finding_ids":[],"scope":"Exact matching selected source passages only; selected source-group membership is not whole-clause/whole-claim/current-law certification. All original qualifiers/unreopened bodies/currentness/legal/application holds retained.","all_currentness_or_actual_application_accepted":false}},{"claim_id":"R005-P1-C058 — Separate LIBOR transition route","area_numbers":[5],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID / area":"R005-P1-C058 — Separate LIBOR transition route","Precise claim":"§ 55(b)(7)(ii) permits a qualifying LIBOR replacement on or after April 1, 2022, without making unavailability the same prerequisite as (i).","Trigger, conditions, and exceptions":"It uses specified October 18, 2021 index comparisons and the relevant margin. OI defines the prior margin by reference to immediately before provision of the replacement notice. If the replacement was unpublished on the reference date, the general fallback is the next calendar day both were published.","Source pinpoint":"S007, § 55(b)(7)(ii); S014, OI 55(b)(7)(ii)-1 to -3. \necfr.gov\n+1","Status / limits":"L/OI; not a license for an arbitrary replacement margin."},"coordinator_verification_status":"source_mapping_scope_reconciled_selected_passages_only","coordinator_review":{"at":"2026-10-29T08:26:02.273332+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","canonical_claim_ID":"R005-P1-C058","finding_ids":[],"scope":"Exact matching selected source passages only; selected source-group membership is not whole-clause/whole-claim/current-law certification. All original qualifiers/unreopened bodies/currentness/legal/application holds retained.","all_currentness_or_actual_application_accepted":false}},{"claim_id":"R005-P1-C059 — Updated benchmark conditions","area_numbers":[5],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID / area":"R005-P1-C059 — Updated benchmark conditions","Precise claim":"The 2023 amendment covers Board-selected consumer-loan replacements for 1-, 3-, 6-, and 12-month U.S. dollar LIBOR.","Trigger, conditions, and exceptions":"The specified comparison uses LIBOR’s June 30, 2023 value and the replacement’s first published value. Updated OI supplies historical-similarity and same-margin deemed-compliance treatment. Its prime-index determination is narrower—1- and 3-month LIBOR—and does not dispense with the rate/margin test.","Source pinpoint":"S014, § 2(a)(28), § 55(b)(7)(ii), OI 55(b)(7)(i)/(ii). \nfederalregister.gov\n+1","Status / limits":"L/OI; broader LIBOR Act contract effects are held."},"coordinator_verification_status":"source_mapping_scope_reconciled_selected_passages_only","coordinator_review":{"at":"2026-10-29T08:26:02.273332+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","canonical_claim_ID":"R005-P1-C059","finding_ids":[],"scope":"Exact matching selected source passages only; selected source-group membership is not whole-clause/whole-claim/current-law certification. All original qualifiers/unreopened bodies/currentness/legal/application holds retained.","all_currentness_or_actual_application_accepted":false}},{"claim_id":"R005-P1-C060 — Replacement notice and contract limits","area_numbers":[5],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID / area":"R005-P1-C060 — Replacement notice and contract limits","Precise claim":"Index replacement is a change requiring the applicable notice, not ordinary movement of an unchanged index.","Trigger, conditions, and exceptions":"From October 1, 2022, the specified LIBOR margin-reduction change also must be disclosed. A narrow estimate accommodation applies to an unpublished Board-selected replacement, unchanged margin, publication by effectiveness, and best available information clearly labelled an estimate. Neither § 55(b)(7) route excuses contract noncompliance.","Source pinpoint":"S006, § 9(c)(2)(v)(A); S013; S014, OI 9(c)(2)(iv)-2.ii and 55(b)(7)-1. \nfederalregister.gov\n+2","Status / limits":"L/OI; contract interpretation and actual replacement calculation held."},"coordinator_verification_status":"source_mapping_scope_reconciled_selected_passages_only","coordinator_review":{"at":"2026-10-29T08:26:02.273332+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","canonical_claim_ID":"R005-P1-C060","finding_ids":[],"scope":"Exact matching selected source passages only; selected source-group membership is not whole-clause/whole-claim/current-law certification. All original qualifiers/unreopened bodies/currentness/legal/application holds retained.","all_currentness_or_actual_application_accepted":false}},{"claim_id":"R005-P1-C061 — Continuing application","area_numbers":[5],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID / area":"R005-P1-C061 — Continuing application","Precise claim":"§ 55 continues after closure, acquisition by another creditor, and specified same-issuer/affiliate/subsidiary transfers.","Trigger, conditions, and exceptions":"The same-group transfer clause has an express destination-account exception for § 40 plans. Acquisition of an account is not automatically equated with a consumer’s unrelated new balance-transfer transaction.","Source pinpoint":"S007, § 55(d), OI. \necfr.gov\n+1","Status / limits":"L/OI; no actual assignment or chain-of-title determination."},"coordinator_verification_status":"source_mapping_scope_reconciled_selected_passages_only","coordinator_review":{"at":"2026-10-29T08:26:02.273332+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","canonical_claim_ID":"R005-P1-C061","finding_ids":[],"scope":"Exact matching selected source passages only; selected source-group membership is not whole-clause/whole-claim/current-law certification. All original qualifiers/unreopened bodies/currentness/legal/application holds retained.","all_currentness_or_actual_application_accepted":false}},{"claim_id":"R005-P1-C062 — Promotional waivers/rebates","area_numbers":[5],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID / area":"R005-P1-C062 — Promotional waivers/rebates","Precise claim":"Ending a promoted and applied waiver/rebate of covered interest or fees can constitute an increase under § 55.","Trigger, conditions, and exceptions":"The rule cannot be avoided simply by calling the lower effective term a waiver or rebate. OI distinguishes specified goodwill adjustments and rewards not promoted as reductions of covered charges.","Source pinpoint":"S007, § 55(e), OI. \necfr.gov\n+1","Status / limits":"L/OI; no full rewards or fee-classification analysis."},"coordinator_verification_status":"source_mapping_scope_reconciled_selected_passages_only","coordinator_review":{"at":"2026-10-29T08:26:02.273332+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","canonical_claim_ID":"R005-P1-C062","finding_ids":[],"scope":"Exact matching selected source passages only; selected source-group membership is not whole-clause/whole-claim/current-law certification. All original qualifiers/unreopened bodies/currentness/legal/application holds retained.","all_currentness_or_actual_application_accepted":false}},{"claim_id":"R005-P1-C063 — Protected balance is a defined category","area_numbers":[5],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID / area":"R005-P1-C063 — Protected balance is a defined category","Precise claim":"§ 55(c)’s “protected balance” is not every balance that existed before any event.","Trigger, conditions, and exceptions":"It is the amount for a transaction category to which a § 55(b)(3) increase cannot apply. OI explains why this specific paragraph is not itself the first-year repayment rule and why changing a balance-computation method is not categorically prohibited by § 55.","Source pinpoint":"S007, § 55(c)(1), OI -1 to -4. \nConsumer Financial Protection Bureau","Status / limits":"L/OI; other rules, including § 54 where relevant, remain separate."},"coordinator_verification_status":"source_mapping_scope_reconciled_selected_passages_only","coordinator_review":{"at":"2026-10-29T08:26:02.273332+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","canonical_claim_ID":"R005-P1-C063","finding_ids":[],"scope":"Exact matching selected source passages only; selected source-group membership is not whole-clause/whole-claim/current-law certification. All original qualifiers/unreopened bodies/currentness/legal/application holds retained.","all_currentness_or_actual_application_accepted":false}},{"claim_id":"R005-P1-C064 — Repayment alternatives","area_numbers":[5],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID / area":"R005-P1-C064 — Repayment alternatives","Precise claim":"Repayment of a protected balance cannot be less beneficial than one of three permitted methods.","Trigger, conditions, and exceptions":"The benchmarks are the prior method; amortization over at least five years beginning no earlier than effectiveness; or a minimum payment whose balance-percentage component is no more than twice the prior percentage. A different method is allowed if no less beneficial than one benchmark.","Source pinpoint":"S007, § 55(c)(2)(i)–(iii), OI. S002, § 1666i-1(c). \nConsumer Financial Protection Bureau","Status / limits":"L/OI; not an absolute five-year entitlement, not twice the entire payment, and not a statutory consumer-choice menu."},"coordinator_verification_status":"source_mapping_scope_reconciled_selected_passages_only","coordinator_review":{"at":"2026-10-29T08:26:02.273332+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","canonical_claim_ID":"R005-P1-C064","finding_ids":[],"scope":"Exact matching selected source passages only; selected source-group membership is not whole-clause/whole-claim/current-law certification. All original qualifiers/unreopened bodies/currentness/legal/application holds retained.","all_currentness_or_actual_application_accepted":false}},{"claim_id":"R005-P1-C065 — Account-wide fees and old balances","area_numbers":[5],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID / area":"R005-P1-C065 — Account-wide fees and old balances","Precise claim":"The existence of a protected balance does not prohibit every account-wide fee increase.","Trigger, conditions, and exceptions":"After the first year, an annual or maintenance fee can potentially be added/increased with applicable notice and rejection rights, subject to availability/closure and other conditions. The fee cannot be imposed after a valid rejection.","Source pinpoint":"S007, OI 55(c)(1)-3; S006, § 9(h). \nConsumer Financial Protection Bureau","Status / limits":"OI/L; “old balance” is not a universal fee freeze."},"coordinator_verification_status":"source_mapping_scope_reconciled_selected_passages_only","coordinator_review":{"at":"2026-10-29T08:26:02.273332+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","canonical_claim_ID":"R005-P1-C065","finding_ids":[],"scope":"Exact matching selected source passages only; selected source-group membership is not whole-clause/whole-claim/current-law certification. All original qualifiers/unreopened bodies/currentness/legal/application holds retained.","all_currentness_or_actual_application_accepted":false}},{"claim_id":"R005-P1-C066 — Narrow first-year fee overlay","area_numbers":[5],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID / area":"R005-P1-C066 — Narrow first-year fee overlay","Precise claim":"§ 52(a) limits required fees during the first year to 25% of the applicable credit limit under its rules.","Trigger, conditions, and exceptions":"Periodic interest, specified late/over-limit/returned-payment fees, and fees not required to be paid have stated exclusions. A later limit increase does not expand the allowance; a reduction can require correction. Being below the cap does not legalize an otherwise prohibited fee.","Source pinpoint":"S010, § 52(a), OI; S003, § 1637(n). \nConsumer Financial Protection Bureau\n+2","Status / limits":"L/OI; no fee amount or penalty-reasonableness determination."},"coordinator_verification_status":"source_mapping_scope_reconciled_selected_passages_only","coordinator_review":{"at":"2026-10-29T08:26:02.273332+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","canonical_claim_ID":"R005-P1-C066","finding_ids":[],"scope":"Exact matching selected source passages only; selected source-group membership is not whole-clause/whole-claim/current-law certification. All original qualifiers/unreopened bodies/currentness/legal/application holds retained.","all_currentness_or_actual_application_accepted":false}},{"claim_id":"R005-P1-C067 — Separate rate review","area_numbers":[5],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID / area":"R005-P1-C067 — Separate rate review","Precise claim":"§ 59 review is different from the automatic conditional restoration in § 55(b)(4).","Trigger, conditions, and exceptions":"Covered actually imposed APR increases must generally be reviewed at least every six months; an appropriate reduction must take effect within 45 days after review. Delinquency timing, termination, SCRA/charged-off/qualifying-LIBOR exceptions apply. A transition does not erase an existing review duty.","Source pinpoint":"S011, § 59(a)–(h); S014 relevant updated OI. \nConsumer Financial Protection Bureau\n+2","Status / limits":"L/OI; no guarantee of return to opening APR and no individualized review performed."},"coordinator_verification_status":"source_mapping_scope_reconciled_selected_passages_only","coordinator_review":{"at":"2026-10-29T08:26:02.273332+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","canonical_claim_ID":"R005-P1-C067","finding_ids":[],"scope":"Exact matching selected source passages only; selected source-group membership is not whole-clause/whole-claim/current-law certification. All original qualifiers/unreopened bodies/currentness/legal/application holds retained.","all_currentness_or_actual_application_accepted":false}},{"claim_id":"R005-P1-C068 — Statutory cancellation and regulatory rejection","area_numbers":[5],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID / area":"R005-P1-C068 — Statutory cancellation and regulatory rejection","Precise claim":"§ 1637(i) uses cancellation language; the current § 9(h) implementation does not provide a general APR-change rejection right.","Trigger, conditions, and exceptions":"The 2010 preamble explains removal of the APR opt-out approach in light of automatic existing-balance protections. The statute, current regulation, and historical explanation are distinct source levels.","Source pinpoint":"S003, § 1637(i)(3)–(4); S006, §§ 9(c)(2)(iv)(B), 9(h); S012, p. 7706 / index 48. \nuscode.house.gov\n+2","Status / limits":"Statute/L/P; no adjudication of a statutory cause of action or remedy."},"coordinator_verification_status":"source_mapping_scope_reconciled_selected_passages_only","coordinator_review":{"at":"2026-10-29T08:26:02.273332+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","canonical_claim_ID":"R005-P1-C068","finding_ids":[],"scope":"Exact matching selected source passages only; selected source-group membership is not whole-clause/whole-claim/current-law certification. All original qualifiers/unreopened bodies/currentness/legal/application holds retained.","all_currentness_or_actual_application_accepted":false}},{"claim_id":"R005-P1-C069 — Exact rejection exclusions","area_numbers":[5],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID / area":"R005-P1-C069 — Exact rejection exclusions","Precise claim":"§ 9(h) applies when § 9(c)(2)(iv)(B) requires rejection disclosure.","Trigger, conditions, and exceptions":"Exclusions include required-minimum-payment increases; APR changes; specified § 52(b) cost reevaluations/CPI adjustments; qualifying restoration of a legally reduced fee no higher than before reduction; and qualifying more-than-60-day nonpayment. OI also excludes a balance-method change necessary to comply with § 54.","Source pinpoint":"S006, § 9(c)(2)(iv)(B), OI 9(h)-1. \nConsumer Financial Protection Bureau\n+1","Status / limits":"L/OI; another contractual right is not assumed absent or present. Telephone temporary-offer rights remain distinct."},"coordinator_verification_status":"source_mapping_scope_reconciled_selected_passages_only","coordinator_review":{"at":"2026-10-29T08:26:02.273332+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","canonical_claim_ID":"R005-P1-C069","finding_ids":[],"scope":"Exact matching selected source passages only; selected source-group membership is not whole-clause/whole-claim/current-law certification. All original qualifiers/unreopened bodies/currentness/legal/application holds retained.","all_currentness_or_actual_application_accepted":false}},{"claim_id":"R005-P1-C070 — Rejection deadline/channel","area_numbers":[5],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID / area":"R005-P1-C070 — Rejection deadline/channel","Precise claim":"To use § 9(h), the creditor must be notified before the effective date.","Trigger, conditions, and exceptions":"Reasonable submission requirements may include use of the disclosed toll-free number; writing cannot be made a mandatory additional channel. A cutoff earlier than the day before effectiveness is unreasonable. Timely but unprocessed rejections require delay or reversal/crediting of the change’s effects.","Source pinpoint":"S006, § 9(h)(1), OI -1. \nConsumer Financial Protection Bureau","Status / limits":"L/OI; no mailbox-rule assumption and no actual response date determined."},"coordinator_verification_status":"source_mapping_scope_reconciled_selected_passages_only","coordinator_review":{"at":"2026-10-29T08:26:02.273332+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","canonical_claim_ID":"R005-P1-C070","finding_ids":[],"scope":"Exact matching selected source passages only; selected source-group membership is not whole-clause/whole-claim/current-law certification. All original qualifiers/unreopened bodies/currentness/legal/application holds retained.","all_currentness_or_actual_application_accepted":false}},{"claim_id":"R005-P1-C071 — Account use","area_numbers":[5],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID / area":"R005-P1-C071 — Account use","Precise claim":"Account use before effectiveness does not waive the regulatory right to reject; use after rejection does not revoke it.","Trigger, conditions, and exceptions":"This rule concerns § 9(h), not a resolution of all contract-assent questions.","Source pinpoint":"S006, OI 9(h)(1)-2. \nConsumer Financial Protection Bureau","Status / limits":"OI; formation/consent remains held."},"coordinator_verification_status":"source_mapping_scope_reconciled_selected_passages_only","coordinator_review":{"at":"2026-10-29T08:26:02.273332+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","canonical_claim_ID":"R005-P1-C071","finding_ids":[],"scope":"Exact matching selected source passages only; selected source-group membership is not whole-clause/whole-claim/current-law certification. All original qualifiers/unreopened bodies/currentness/legal/application holds retained.","all_currentness_or_actual_application_accepted":false}},{"claim_id":"R005-P1-C072 — Prohibited rejection consequences","area_numbers":[5],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID / area":"R005-P1-C072 — Prohibited rejection consequences","Precise claim":"A timely qualifying rejection prevents applying that change and prohibits a fee, charge, or default treatment solely because of rejection.","Trigger, conditions, and exceptions":"The § 9(h)(3) delinquency exception can later matter. Independent lawful events and requirements are not erased.","Source pinpoint":"S006, § 9(h)(2)(i)–(ii), (3). \nConsumer Financial Protection Bureau\n+1","Status / limits":"L; no blanket immunity from future charges."},"coordinator_verification_status":"source_mapping_scope_reconciled_selected_passages_only","coordinator_review":{"at":"2026-10-29T08:26:02.273332+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","canonical_claim_ID":"R005-P1-C072","finding_ids":[],"scope":"Exact matching selected source passages only; selected source-group membership is not whole-clause/whole-claim/current-law certification. All original qualifiers/unreopened bodies/currentness/legal/application holds retained.","all_currentness_or_actual_application_accepted":false}},{"claim_id":"R005-P1-C073 — Closure/suspension permitted","area_numbers":[5],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID / area":"R005-P1-C073 — Closure/suspension permitted","Precise claim":"Section 9(h) does not guarantee continued credit availability after rejection.","Trigger, conditions, and exceptions":"The creditor may terminate or suspend further credit availability, with the applicable notice disclosure; the continuing balance is still subject to relevant protections.","Source pinpoint":"S006, OI 9(h)(2)(ii)-1; § 9(c)(2)(iv)(B)(3); S007, § 55(d). \nConsumer Financial Protection Bureau\n+1","Status / limits":"L/OI; rejection, closure, and repayment are distinct events."},"coordinator_verification_status":"source_mapping_scope_reconciled_selected_passages_only","coordinator_review":{"at":"2026-10-29T08:26:02.273332+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","canonical_claim_ID":"R005-P1-C073","finding_ids":[],"scope":"Exact matching selected source passages only; selected source-group membership is not whole-clause/whole-claim/current-law certification. All original qualifiers/unreopened bodies/currentness/legal/application holds retained.","all_currentness_or_actual_application_accepted":false}},{"claim_id":"R005-P1-C074 — Continuing charges and debt","area_numbers":[5],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID / area":"R005-P1-C074 — Continuing charges and debt","Precise claim":"Rejection does not discharge the debt or automatically stop every preexisting charge.","Trigger, conditions, and exceptions":"OI permits continuation of a previously charged periodic fee and a previously applicable late fee, subject to other law; a new closed-account fee imposed solely because of rejection is prohibited.","Source pinpoint":"S006, OI 9(h)(2)(ii)-2. \nConsumer Financial Protection Bureau","Status / limits":"OI; no finding that any actual charge is valid."},"coordinator_verification_status":"source_mapping_scope_reconciled_selected_passages_only","coordinator_review":{"at":"2026-10-29T08:26:02.273332+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","canonical_claim_ID":"R005-P1-C074","finding_ids":[],"scope":"Exact matching selected source passages only; selected source-group membership is not whole-clause/whole-claim/current-law certification. All original qualifiers/unreopened bodies/currentness/legal/application holds retained.","all_currentness_or_actual_application_accepted":false}},{"claim_id":"R005-P1-C075 — Rejection repayment base/date","area_numbers":[5],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID / area":"R005-P1-C075 — Rejection repayment base/date","Precise claim":"§ 9(h)(2)(iii) imports the § 55(c)(2) repayment benchmarks for the relevant account balance.","Trigger, conditions, and exceptions":"If credit is terminated/suspended because of rejection, use the balance at the end of that day. Otherwise use end of the notification day or a later date chosen by the creditor. The relevant amortization start cannot precede notification of rejection.","Source pinpoint":"S006, § 9(h)(2)(iii), OI -1, -2. \nConsumer Financial Protection Bureau","Status / limits":"L/OI; no actual balance or lawful plan calculated."},"coordinator_verification_status":"source_mapping_scope_reconciled_selected_passages_only","coordinator_review":{"at":"2026-10-29T08:26:02.273332+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","canonical_claim_ID":"R005-P1-C075","finding_ids":[],"scope":"Exact matching selected source passages only; selected source-group membership is not whole-clause/whole-claim/current-law certification. All original qualifiers/unreopened bodies/currentness/legal/application holds retained.","all_currentness_or_actual_application_accepted":false}},{"claim_id":"R005-P1-C076 — Later qualifying delinquency","area_numbers":[5],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID / area":"R005-P1-C076 — Later qualifying delinquency","Precise claim":"Section 9(h)’s protections do not continue unchanged after its qualifying 60-day nonpayment exception applies.","Trigger, conditions, and exceptions":"OI’s later-delinquency example requires another § 9(c) notice before imposing a previously rejected fee; rejection disclosure is then unnecessary and § 9(h)(2) restrictions cease under that exception. § 55 still applies independently.","Source pinpoint":"S006, § 9(h)(3), OI -1.ii; S007. \nConsumer Financial Protection Bureau","Status / limits":"L/OI; no presumption that this exception occurred."},"coordinator_verification_status":"source_mapping_scope_reconciled_selected_passages_only","coordinator_review":{"at":"2026-10-29T08:26:02.273332+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","canonical_claim_ID":"R005-P1-C076","finding_ids":[],"scope":"Exact matching selected source passages only; selected source-group membership is not whole-clause/whole-claim/current-law certification. All original qualifiers/unreopened bodies/currentness/legal/application holds retained.","all_currentness_or_actual_application_accepted":false}},{"claim_id":"R005-P1-C077 — Separate over-limit consent","area_numbers":[5],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID / area":"R005-P1-C077 — Separate over-limit consent","Precise claim":"Charging for paying an over-limit transaction requires § 56’s separate affirmative-consent process.","Trigger, conditions, and exceptions":"The issuer must provide the prescribed notice, a reasonable opportunity to consent, obtain affirmative consent, and send confirmation before imposing the fee. A change notice or general reservation is not a substitute.","Source pinpoint":"S008, § 56(a), (b)(1), OI; S003, § 1637(k). \nConsumer Financial Protection Bureau","Status / limits":"L/OI; consent facts unknown."},"coordinator_verification_status":"source_mapping_scope_reconciled_selected_passages_only","coordinator_review":{"at":"2026-10-29T08:26:02.273332+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","canonical_claim_ID":"R005-P1-C077","finding_ids":[],"scope":"Exact matching selected source passages only; selected source-group membership is not whole-clause/whole-claim/current-law certification. All original qualifiers/unreopened bodies/currentness/legal/application holds retained.","all_currentness_or_actual_application_accepted":false}},{"claim_id":"R005-P1-C078 — Opt-in notice content","area_numbers":[5],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID / area":"R005-P1-C078 — Opt-in notice content","Precise claim":"The opt-in notice must be clear, conspicuous, and segregated as required, and describe the fee, applicable rate consequence, and consent method.","Trigger, conditions, and exceptions":"Written/electronic and oral-request routes have specified form and timing conditions; oral/electronic information must precede consent as required.","Source pinpoint":"S008, § 56(c), (d), (e)(1), OI. \nConsumer Financial Protection Bureau\n+1","Status / limits":"L/OI; actual e-delivery/consent validity not determined."},"coordinator_verification_status":"source_mapping_scope_reconciled_selected_passages_only","coordinator_review":{"at":"2026-10-29T08:26:02.273332+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","canonical_claim_ID":"R005-P1-C078","finding_ids":[],"scope":"Exact matching selected source passages only; selected source-group membership is not whole-clause/whole-claim/current-law certification. All original qualifiers/unreopened bodies/currentness/legal/application holds retained.","all_currentness_or_actual_application_accepted":false}},{"claim_id":"R005-P1-C079 — Confirmation/revocation notice","area_numbers":[5],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID / area":"R005-P1-C079 — Confirmation/revocation notice","Precise claim":"Confirmation cannot be deferred past fee imposition merely because the next statement has not arrived.","Trigger, conditions, and exceptions":"It must be sent before a fee; the rule’s statement timing is an outer condition, not permission to charge first. A statement imposing an over-limit fee must carry the required revocation notice on the front of a page.","Source pinpoint":"S008, § 56(b)(1)(iv), (d), (e)(2), OI. \nConsumer Financial Protection Bureau\n+1","Status / limits":"L/OI; sending confirmation and proving consent are separate."},"coordinator_verification_status":"source_mapping_scope_reconciled_selected_passages_only","coordinator_review":{"at":"2026-10-29T08:26:02.273332+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","canonical_claim_ID":"R005-P1-C079","finding_ids":[],"scope":"Exact matching selected source passages only; selected source-group membership is not whole-clause/whole-claim/current-law certification. All original qualifiers/unreopened bodies/currentness/legal/application holds retained.","all_currentness_or_actual_application_accepted":false}},{"claim_id":"R005-P1-C080 — Revocation","area_numbers":[5],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID / area":"R005-P1-C080 — Revocation","Precise claim":"Consent can be revoked at any time through the prescribed methods, and revocation must be implemented as soon as reasonably practicable.","Trigger, conditions, and exceptions":"Revocation does not automatically reverse prior fees or erase the limited treatment of previously authorized over-limit transactions described in the rule.","Source pinpoint":"S008, § 56(f)–(g), OI. \nConsumer Financial Protection Bureau","Status / limits":"L/OI; not a general rejection of an APR or all account terms."},"coordinator_verification_status":"bounded_clause_or_modal_correction_UNSENT","coordinator_review":{"at":"2026-10-29T08:26:02.273332+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","canonical_claim_ID":"R005-P1-C080","finding_ids":["R005-P1-PINPOINT-001"],"scope":"Exact matching selected source passages only; selected source-group membership is not whole-clause/whole-claim/current-law certification. All original qualifiers/unreopened bodies/currentness/legal/application holds retained.","all_currentness_or_actual_application_accepted":false}},{"claim_id":"R005-P1-C081 — Payment without opt-in","area_numbers":[5],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID / area":"R005-P1-C081 — Payment without opt-in","Precise claim":"The issuer can pay an over-limit transaction without opt-in if it does not impose a fee or charge for doing so.","Trigger, conditions, and exceptions":"Otherwise lawful ordinary interest or transaction charges are not automatically eliminated solely because the transaction exceeded the limit.","Source pinpoint":"S008, § 56(b)(2), OI. \nConsumer Financial Protection Bureau","Status / limits":"L/OI; no determination that a particular charge is ordinary or lawful."},"coordinator_verification_status":"source_mapping_scope_reconciled_selected_passages_only","coordinator_review":{"at":"2026-10-29T08:26:02.273332+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","canonical_claim_ID":"R005-P1-C081","finding_ids":[],"scope":"Exact matching selected source passages only; selected source-group membership is not whole-clause/whole-claim/current-law certification. All original qualifiers/unreopened bodies/currentness/legal/application holds retained.","all_currentness_or_actual_application_accepted":false}},{"claim_id":"R005-P1-C082 — Availability and conditioning","area_numbers":[5],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID / area":"R005-P1-C082 — Availability and conditioning","Precise claim":"Opt-in does not require an issuer to approve an over-limit transaction, and the issuer cannot improperly condition credit access/limit on paid-over-limit consent.","Trigger, conditions, and exceptions":"§ 56(i) preserves discretion whether to pay; § 56(j)(3) and OI prohibit the described conditioning practices.","Source pinpoint":"S008, § 56(i), (j)(3), OI 56(j)-4. \nConsumer Financial Protection Bureau\n+1","Status / limits":"L/OI; no credit-access guarantee or eligibility decision."},"coordinator_verification_status":"bounded_clause_or_modal_correction_UNSENT","coordinator_review":{"at":"2026-10-29T08:26:02.273332+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","canonical_claim_ID":"R005-P1-C082","finding_ids":["R005-P1-PINPOINT-002"],"scope":"Exact matching selected source passages only; selected source-group membership is not whole-clause/whole-claim/current-law certification. All original qualifiers/unreopened bodies/currentness/legal/application holds retained.","all_currentness_or_actual_application_accepted":false}},{"claim_id":"R005-P1-C083 — Joint consent","area_numbers":[5],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID / area":"R005-P1-C083 — Joint consent","Precise claim":"The joint-account consent rule differs from an authorized user’s action.","Trigger, conditions, and exceptions":"The issuer may treat affirmative consent by one jointly liable consumer as applying to all; revocation by one jointly liable consumer applies to all. A nonliable authorized user is not interchangeable.","Source pinpoint":"S008, § 56(h), OI. \nConsumer Financial Protection Bureau","Status / limits":"L/OI; no actual joint-liability determination."},"coordinator_verification_status":"bounded_clause_or_modal_correction_UNSENT","coordinator_review":{"at":"2026-10-29T08:26:02.273332+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","canonical_claim_ID":"R005-P1-C083","finding_ids":["R005-P1-PINPOINT-MODAL-003"],"scope":"Exact matching selected source passages only; selected source-group membership is not whole-clause/whole-claim/current-law certification. All original qualifiers/unreopened bodies/currentness/legal/application holds retained.","all_currentness_or_actual_application_accepted":false}},{"claim_id":"R005-P1-C084 — Cycle limitations","area_numbers":[5],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID / area":"R005-P1-C084 — Cycle limitations","Precise claim":"Section 56(j)(1) limits over-limit fees to one per cycle and only if the limit was exceeded during that cycle.","Trigger, conditions, and exceptions":"Its same-transaction rule generally limits charging to three cycles, with the stated balance-reduction and later-transaction qualifications. A further over-limit transaction in either of the last two cycles can change the three-cycle analysis.","Source pinpoint":"S008, § 56(j)(1)(i)–(ii), OI -1, -2. \nConsumer Financial Protection Bureau","Status / limits":"L/OI; no actual cycle count or fee amount."},"coordinator_verification_status":"source_mapping_scope_reconciled_selected_passages_only","coordinator_review":{"at":"2026-10-29T08:26:02.273332+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","canonical_claim_ID":"R005-P1-C084","finding_ids":[],"scope":"Exact matching selected source passages only; selected source-group membership is not whole-clause/whole-claim/current-law certification. All original qualifiers/unreopened bodies/currentness/legal/application holds retained.","all_currentness_or_actual_application_accepted":false}},{"claim_id":"R005-P1-C085 — Additional over-limit prohibitions","area_numbers":[5],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID / area":"R005-P1-C085 — Additional over-limit prohibitions","Precise claim":"An over-limit fee cannot be based solely on failure promptly to replenish available credit after crediting payment, or solely on same-cycle plan fees/interest pushing the balance over the limit.","Trigger, conditions, and exceptions":"Prior-cycle charges are treated differently in the latter test. Other § 52(b) restrictions remain outside this narrow investigation.","Source pinpoint":"S008, § 56(j)(2), (4), OI -3, -5, -6. \nConsumer Financial Protection Bureau","Status / limits":"L/OI; opt-in is necessary in its branch, not sufficient to legalize every fee."},"coordinator_verification_status":"source_mapping_scope_reconciled_selected_passages_only","coordinator_review":{"at":"2026-10-29T08:26:02.273332+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","canonical_claim_ID":"R005-P1-C085","finding_ids":[],"scope":"Exact matching selected source passages only; selected source-group membership is not whole-clause/whole-claim/current-law certification. All original qualifiers/unreopened bodies/currentness/legal/application holds retained.","all_currentness_or_actual_application_accepted":false}},{"claim_id":"R005-P1-C086 — Currentness status","area_numbers":[5],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID / area":"R005-P1-C086 — Currentness status","Precise claim":"Access date, statutory compilation date, regulation-update date, and rule effective date are different facts.","Trigger, conditions, and exceptions":"eCFR’s 10/23/2026 label is title-level. House labels lag the actual check. Historical and amended texts are distinguished; no complete official-CFR/session-law/stay/vacatur audit is claimed.","Source pinpoint":"S001–S003, S006–S007, S012–S014. \necfr.gov\n+2","Status / limits":"U where specified; no assertion that every possible later legal development was excluded."},"coordinator_verification_status":"source_mapping_scope_reconciled_selected_passages_only","coordinator_review":{"at":"2026-10-29T08:26:02.273332+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","canonical_claim_ID":"R005-P1-C086","finding_ids":[],"scope":"Exact matching selected source passages only; selected source-group membership is not whole-clause/whole-claim/current-law certification. All original qualifiers/unreopened bodies/currentness/legal/application holds retained.","all_currentness_or_actual_application_accepted":false}},{"claim_id":"R005-P1-C087 — Publication discrepancies","area_numbers":[5],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID / area":"R005-P1-C087 — Publication discrepancies","Precise claim":"Current-labelled agency displays require reconciliation with actual amendments.","Trigger, conditions, and exceptions":"S014 replaces older LIBOR OI shown on the CFPB page. Separately, an example in OI 55(b)(7)(ii)-2.ii contains a margin inconsistent with its own setup/conclusion; the general operative rule is used, not reconstructed example arithmetic.","Source pinpoint":"S007 displayed OI; S014 amended OI and example; C021 separate workout typo. \nConsumer Financial Protection Bureau\n+1","Status / limits":"Resolved version conflict; unresolved printed-example inconsistency."},"coordinator_verification_status":"source_mapping_scope_reconciled_selected_passages_only","coordinator_review":{"at":"2026-10-29T08:26:02.273332+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","canonical_claim_ID":"R005-P1-C087","finding_ids":[],"scope":"Exact matching selected source passages only; selected source-group membership is not whole-clause/whole-claim/current-law certification. All original qualifiers/unreopened bodies/currentness/legal/application holds retained.","all_currentness_or_actual_application_accepted":false}},{"claim_id":"R005-P1-C088 — Model limits","area_numbers":[5],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID / area":"R005-P1-C088 — Model limits","Precise claim":"Official models illustrate required disclosures; model appearance does not prove authority, delivery, factual predicates, or current permissible fee amounts.","Trigger, conditions, and exceptions":"G-20–G-23 image bodies were not visually inspected; G-25 text and governing requirements were read. No unseen full-form compliance claim is made.","Source pinpoint":"S015; S006, OI 9(c)(2)(iv)-8 and 9(g)-4; S008 model references. \nConsumer Financial Protection Bureau\n+2","Status / limits":"OI/I/U; precise visual gap retained."},"coordinator_verification_status":"source_mapping_scope_reconciled_selected_passages_only","coordinator_review":{"at":"2026-10-29T08:26:02.273332+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","canonical_claim_ID":"R005-P1-C088","finding_ids":[],"scope":"Exact matching selected source passages only; selected source-group membership is not whole-clause/whole-claim/current-law certification. All original qualifiers/unreopened bodies/currentness/legal/application holds retained.","all_currentness_or_actual_application_accepted":false}},{"claim_id":"R005-P1-C089 — What a notice cannot prove","area_numbers":[5],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID / area":"R005-P1-C089 — What a notice cannot prove","Precise claim":"A notice may evidence what was announced; it cannot alone prove coverage, valid prior terms, delivery, the exception’s predicate, correct transaction cohorts, payment receipts, consent, or legality under other law.","Trigger, conditions, and exceptions":"Each is a separate document/event/legal question. A reason stated in a notice is an assertion requiring its own support.","Source pinpoint":"I from C001–C088; particularly OI 9(c)(2)-2 and § 55(b).","Status / limits":"I, not a finding about an actual account."},"coordinator_verification_status":"source_mapping_scope_reconciled_selected_passages_only","coordinator_review":{"at":"2026-10-29T08:26:02.273332+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","canonical_claim_ID":"R005-P1-C089","finding_ids":[],"scope":"Exact matching selected source passages only; selected source-group membership is not whole-clause/whole-claim/current-law certification. All original qualifiers/unreopened bodies/currentness/legal/application holds retained.","all_currentness_or_actual_application_accepted":false}},{"claim_id":"R005-P1-C090 — Meaning of an unresolved audit","area_numbers":[5],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID / area":"R005-P1-C090 — Meaning of an unresolved audit","Precise claim":"“Unproved in this audit” does not mean the debt is void, the change necessarily unlawful, or a remedy available.","Trigger, conditions, and exceptions":"This component provides federal branch tests and preserves missing facts and authority; it does not adjudicate liability, standing, remedies, amount, or eligibility.","Source pinpoint":"Scope boundary and inference from the conditional authorities above.","Status / limits":"I/U; parent questions remain held."},"coordinator_verification_status":"source_mapping_scope_reconciled_selected_passages_only","coordinator_review":{"at":"2026-10-29T08:26:02.273332+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","canonical_claim_ID":"R005-P1-C090","finding_ids":[],"scope":"Exact matching selected source passages only; selected source-group membership is not whole-clause/whole-claim/current-law certification. All original qualifiers/unreopened bodies/currentness/legal/application holds retained.","all_currentness_or_actual_application_accepted":false}}],"sources":[{"source_id":"R005-P1-S001","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":"R005-P1-S001","Issuer, title, and complete literal HTTPS URL(s)":"U.S. House, Office of the Law Revision Counsel, 15 U.S.C. §§ 1602, 1603. https://uscode.house.gov/us/usc/119-124/t15/s1602/ ; https://uscode.house.gov/us/usc/119-124/t15/s1603/","Exact clauses and actual read bounds; printed page / PDF index":"Necessary § 1602 actor, consumer, credit, open-end, card, and issuer provisions; § 1603 operative exemptions and relevant notes. HTML. Unrelated mortgage definitions were not a substantive foundation.","Version, effective predicate, and currentness limits":"Pages stated laws through P.L. 119-124, October 15, 2026. Compilation currency is not proof that every later enactment was checked.","Check / jurisdiction / outcome":"2026-10-27 / US federal / Fresh body read. \nuscode.house.gov\n+1"},"coordinator_verification_status":"original_source_attribution_not_newly_reopened","coordinator_review":{"at":"2026-10-29T08:26:02.273332+00:00","identity":"delegated_coordinator_not_independent","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","scope":"Original read/version/access/discovery claims remain researcher attribution. Protected failedprelim/query/edition/host/GPO/SupplementI/modelimage/newSCRAroutes not retried or bypassed. Unread statutory/regulatory/currentness/pixel/application parts not disproved or certified.","finding_ids":[],"selected_scope_only":true,"all_currentness_actual_application_accepted":false}},{"source_id":"R005-P1-S002","urls":["https://uscode.house.gov/us/usc/119-118/t15/s1666i-1/","https://uscode.house.gov/us/usc/119-118/t15/s1666i-2/","https://uscode.house.gov/us/usc/119-118/t15/s1666i-1/?utm_source=chatgpt.com","https://uscode.house.gov/us/usc/119-118/t15/s1666i-2/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"R005-P1-S002","Issuer, title, and complete literal HTTPS URL(s)":"House OLRC, 15 U.S.C. §§ 1666i-1, 1666i-2. https://uscode.house.gov/us/usc/119-118/t15/s1666i-1/ ; https://uscode.house.gov/us/usc/119-118/t15/s1666i-2/","Exact clauses and actual read bounds; printed page / PDF index":"Complete operative § 1666i-1(a)–(d), § 1666i-2(a)–(b) and displayed source/effective-date notes. HTML.","Version, effective predicate, and currentness limits":"Although URLs contain 119-118, retrieved bodies stated laws through P.L. 119-120, October 7, 2026. Added May 22, 2009; relevant statutory effective-date note uses nine months after enactment. No complete later-session-law audit.","Check / jurisdiction / outcome":"2026-10-27 / US federal / Fresh complete relevant body read; recovered after other endpoints failed. \nuscode.house.gov\n+1"},"coordinator_verification_status":"selected_fresh_public_primary_or_published_body_with_retained_limits","coordinator_review":{"at":"2026-10-29T08:26:02.273332+00:00","identity":"delegated_coordinator_not_independent","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","scope":"Fresh complete1666i-2(a)-(b)and displayed source/effective notes throughPL119-120Oct7,2026. Supplied1666i-1route failed onceUnexpectedStatusCode; its original body remains researcher-attributed, not freshly verified/disproved. No protectededition/query/host/fallback opened as workaround. Regulatory55body separately checked; full statutory/currentness gap remains.","finding_ids":[],"selected_scope_only":true,"all_currentness_actual_application_accepted":false}},{"source_id":"R005-P1-S003","urls":["https://uscode.house.gov/us/usc/119-124/t15/s1637/","https://uscode.house.gov/us/usc/119-124/t15/s1637/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"R005-P1-S003","Issuer, title, and complete literal HTTPS URL(s)":"House OLRC, 15 U.S.C. § 1637. https://uscode.house.gov/us/usc/119-124/t15/s1637/","Exact clauses and actual read bounds; printed page / PDF index":"Complete relevant (i) notice/cancellation, (k) over-limit election, (n) first-year-fee restriction; relevant (o) payment-date text also read. HTML. Not a read of every unrelated subsection.","Version, effective predicate, and currentness limits":"Body stated laws through P.L. 119-124, October 15, 2026. Historical staged implementation checked against S012.","Check / jurisdiction / outcome":"2026-10-27 / US federal / Fresh bounded body read. \nuscode.house.gov\n+1"},"coordinator_verification_status":"selected_fresh_public_primary_or_published_body_with_retained_limits","coordinator_review":{"at":"2026-10-29T08:26:02.273332+00:00","identity":"delegated_coordinator_not_independent","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","scope":"Selected1637(i)(1)-(4)and(k)(1)-(2)at378-390/408-413. Statutory cancellation wording remains distinct from regulatoryAPRrejection exclusion and historical explanation. No new whole1637/k/n/o/current-lag certificate.","finding_ids":[],"selected_scope_only":true,"all_currentness_actual_application_accepted":false}},{"source_id":"R005-P1-S004","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/1026/1/?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"],"researcher_record":{"Source ID":"R005-P1-S004","Issuer, title, and complete literal HTTPS URL(s)":"CFPB, Regulation Z §§ 1026.1, .2, .3 and OI. 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/","Exact clauses and actual read bounds; printed page / PDF index":"§ 1(c); § 2(a)(6)–(8), (11), (12), (14), (15), necessary (17), (20), with relevant OI; § 3(a), (b) and relevant business/open-end exemption comments. HTML.","Version, effective predicate, and currentness limits":"CFPB “current regulation” presentation. § 3(b) comment includes 2026 threshold $73,400. This is a coverage gateway, not an exhaustive excluded-product study. § 2(a)(28)’s amended benchmark definition was also read in S014.","Check / jurisdiction / outcome":"2026-10-27 / US federal / Fresh relevant body and OI read. \nConsumer Financial Protection Bureau\n+2"},"coordinator_verification_status":"selected_fresh_public_primary_or_published_body_with_retained_limits","coordinator_review":{"at":"2026-10-29T08:26:02.273332+00:00","identity":"delegated_coordinator_not_independent","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","scope":"Fresh selected consumer/business-card OI, charge-card/carddevice/account exclusions and hybrid caveat,2026threshold73400and openend initial-extension/firmcommitment treatment. Only2/3pages selected; no wholeactor/generalcreditcoverage or actualpurpose/product/exemption conclusion. Statutory1602/1603unreopened.","finding_ids":[],"selected_scope_only":true,"all_currentness_actual_application_accepted":false}},{"source_id":"R005-P1-S005","urls":["https://www.consumerfinance.gov/rules-policy/regulations/1026/5/","https://www.consumerfinance.gov/rules-policy/regulations/1026/6/","https://www.consumerfinance.gov/rules-policy/regulations/1026/5/?utm_source=chatgpt.com","https://www.consumerfinance.gov/rules-policy/regulations/1026/6/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"R005-P1-S005","Issuer, title, and complete literal HTTPS URL(s)":"CFPB, §§ 1026.5, .6 and OI. https://www.consumerfinance.gov/rules-policy/regulations/1026/5/ ; https://www.consumerfinance.gov/rules-policy/regulations/1026/6/","Exact clauses and actual read bounds; printed page / PDF index":"§ 5(a), relevant (c), (d); § 6(b)(1), relevant (b)(2) categories, (b)(3)(i)–(ii), (b)(4), with necessary OI. HTML. No full finance-charge or fee-classification investigation.","Version, effective predicate, and currentness limits":"CFPB current-labelled presentation. Used for notice form, disclosure cross-references, and the three § 55 fee groups; actual e-sign compliance held.","Check / jurisdiction / outcome":"2026-10-27 / US federal / Fresh bounded read. \nConsumer Financial Protection Bureau\n+2"},"coordinator_verification_status":"original_source_attribution_not_newly_reopened","coordinator_review":{"at":"2026-10-29T08:26:02.273332+00:00","identity":"delegated_coordinator_not_independent","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","scope":"Original read/version/access/discovery claims remain researcher attribution. Protected failedprelim/query/edition/host/GPO/SupplementI/modelimage/newSCRAroutes not retried or bypassed. Unread statutory/regulatory/currentness/pixel/application parts not disproved or certified.","finding_ids":[],"selected_scope_only":true,"all_currentness_actual_application_accepted":false}},{"source_id":"R005-P1-S006","urls":["https://www.consumerfinance.gov/rules-policy/regulations/1026/9/","https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-B/section-1026.9","https://www.consumerfinance.gov/rules-policy/regulations/1026/9/?utm_source=chatgpt.com","https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-B/section-1026.9?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"R005-P1-S006","Issuer, title, and complete literal HTTPS URL(s)":"CFPB and OFR/GPO eCFR, § 1026.9, Subsequent disclosure requirements. https://www.consumerfinance.gov/rules-policy/regulations/1026/9/ ; https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-B/section-1026.9","Exact clauses and actual read bounds; printed page / PDF index":"Complete relevant (b)(1)–(3), (c)(2), (g), (h) and inline OI; operative core cross-checked in eCFR. CFPB body read bounds included lines 80–141, 209–382, 473–593. HTML. LIBOR OI amendment reconciled with S014.","Version, effective predicate, and currentness limits":"eCFR displayed Title 12 through 10/23/2026. Source note includes 76 FR 79772 and 86 FR 69781. The workout cross-reference inconsistency remains flagged in C021.","Check / jurisdiction / outcome":"2026-10-27 / US federal / Fresh complete assigned branches; alternate presentations are one regulatory source family. \nConsumer Financial Protection Bureau\n+3"},"coordinator_verification_status":"selected_fresh_public_primary_or_published_body_with_retained_limits","coordinator_review":{"at":"2026-10-29T08:26:02.273332+00:00","identity":"delegated_coordinator_not_independent","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","scope":"Fresh whole operative9(c)(2)L141-202and9(g)/(h)L247-301on eCFR, plus selected CFPBOI initiallydisclosed/state-law/addedfeature/rejectionchannels/processing/use/closure/repayment/laterdelinquency, temporary-offer/workout/incompleteLIBORnoticecomments. eCFRdate10/26titlelastamended10/23distinctfromoriginal10/23. Duplicate(ix)operative and(xi)workoutOI confirmed; no silentrepair/noverifiedcorrection. Other9(b)/OI/currentness/modelimage branches remain held.","finding_ids":[],"selected_scope_only":true,"all_currentness_actual_application_accepted":false}},{"source_id":"R005-P1-S007","urls":["https://www.consumerfinance.gov/rules-policy/regulations/1026/55/","https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-G/section-1026.55","https://www.consumerfinance.gov/rules-policy/regulations/1026/55/?utm_source=chatgpt.com","https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-G/section-1026.55?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"R005-P1-S007","Issuer, title, and complete literal HTTPS URL(s)":"CFPB and eCFR, § 1026.55, Limitations on increasing APRs, fees, and charges. https://www.consumerfinance.gov/rules-policy/regulations/1026/55/ ; https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-G/section-1026.55","Exact clauses and actual read bounds; printed page / PDF index":"Complete operative (a)–(e), every (b)(1)–(7) exception, and relevant inline OI, including repayment, closure/transfer, and promotional-waiver comments. HTML. Older displayed LIBOR comments were checked against S014’s amended text.","Version, effective predicate, and currentness limits":"eCFR through 10/23/2026; section source note: 76 FR 79772; 86 FR 69782; 88 FR 30622. Title-level amendment date is not this section’s amendment date.","Check / jurisdiction / outcome":"2026-10-27 / US federal / Fresh body read; identified and reconciled an OI version mismatch. \necfr.gov\n+3"},"coordinator_verification_status":"selected_fresh_public_primary_or_published_body_with_retained_limits","coordinator_review":{"at":"2026-10-29T08:26:02.273332+00:00","identity":"delegated_coordinator_not_independent","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","scope":"Fresh whole operative55(a)-(e)L103-159, all(b)(1)-(7), protectedrepayment/closure/transfer/waiver; eCFR10/27lastamended10/23distinctfromoriginal. Selected CFPBOI temporaryduration, transactionposting/holds, publicindex/no-margin/control, delinquency/firstsix/restoration, delayedimplementation and openingdates. Older three-tenor OI compared with selected2023four-tenor amendment; no full all-commentary/currentness/contract/cohort certification.","finding_ids":[],"selected_scope_only":true,"all_currentness_actual_application_accepted":false}},{"source_id":"R005-P1-S008","urls":["https://www.consumerfinance.gov/rules-policy/regulations/1026/56/","https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-G/section-1026.56","https://www.consumerfinance.gov/rules-policy/regulations/1026/56/?utm_source=chatgpt.com","https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-G/section-1026.56?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"R005-P1-S008","Issuer, title, and complete literal HTTPS URL(s)":"CFPB and eCFR, § 1026.56, Requirements for over-the-limit transactions. https://www.consumerfinance.gov/rules-policy/regulations/1026/56/ ; https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-G/section-1026.56","Exact clauses and actual read bounds; printed page / PDF index":"Complete (a)–(j) and inline OI, CFPB substantive lines 56–198; operative eCFR text cross-checked. HTML.","Version, effective predicate, and currentness limits":"eCFR Title 12 through 10/23/2026. This pass does not determine permissible penalty-fee dollar amounts under § 52(b).","Check / jurisdiction / outcome":"2026-10-27 / US federal / Fresh complete read. \nConsumer Financial Protection Bureau\n+2"},"coordinator_verification_status":"selected_fresh_public_primary_or_published_body_with_retained_limits","coordinator_review":{"at":"2026-10-29T08:26:02.273332+00:00","identity":"delegated_coordinator_not_independent","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","scope":"Fresh whole operative56(a)-(j)at eCFRL103-151and selected extensiveCFPBOI; no new modelpixels or fee-dollar-cap study. Three bounded C080/C082/C083 clause/modal repairs needed: g/i timing; h issuer discretion; f mandatoryjointrelationships/OI. Separateconsent/confirmation, limited prior fees, one-per-cycle/three-cycle/causation conditions retained; actualconsent/product/account facts absent.","finding_ids":["R005-P1-PINPOINT-001","R005-P1-PINPOINT-002","R005-P1-PINPOINT-MODAL-003"],"selected_scope_only":true,"all_currentness_actual_application_accepted":false}},{"source_id":"R005-P1-S009","urls":["https://www.consumerfinance.gov/rules-policy/regulations/1026/10/","https://www.consumerfinance.gov/rules-policy/regulations/1026/10/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"R005-P1-S009","Issuer, title, and complete literal HTTPS URL(s)":"CFPB, § 1026.10, Payments. https://www.consumerfinance.gov/rules-policy/regulations/1026/10/","Exact clauses and actual read bounds; printed page / PDF index":"Necessary (a)–(d) and payment-receipt, conforming-payment, cutoff, and nonacceptance-day OI. HTML, substantive read principally lines 56–127.","Version, effective predicate, and currentness limits":"Current-labelled presentation; used only to avoid equating mailing, posting, and receipt when evaluating a delinquency predicate.","Check / jurisdiction / outcome":"2026-10-27 / US federal / Fresh bounded read. \nConsumer Financial Protection Bureau"},"coordinator_verification_status":"selected_fresh_public_primary_or_published_body_with_retained_limits","coordinator_review":{"at":"2026-10-29T08:26:02.273332+00:00","identity":"delegated_coordinator_not_independent","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","scope":"Selected10(b)reasonable/conforming/payment methods, creditedpayment adjustment and whole(d)next accepted mailed-payment day/different electronicroute. Operative(a)and otheroriginal clauses not newly reopened. No mailing/receipt/crediting equivalence or realdue/receipt findings.","finding_ids":[],"selected_scope_only":true,"all_currentness_actual_application_accepted":false}},{"source_id":"R005-P1-S010","urls":["https://www.consumerfinance.gov/rules-policy/regulations/1026/52/","https://www.consumerfinance.gov/rules-policy/regulations/1026/52/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"R005-P1-S010","Issuer, title, and complete literal HTTPS URL(s)":"CFPB, § 1026.52(a), First-year fee limitations, and OI. https://www.consumerfinance.gov/rules-policy/regulations/1026/52/","Exact clauses and actual read bounds; printed page / PDF index":"Complete necessary (a) and OI, including comment 52(a)(1)-4 opening-date methods. HTML, relevant lines 56–138.","Version, effective predicate, and currentness limits":"Current-labelled presentation. § 52(b) penalty-fee amounts, reasonableness, and associated litigation were not investigated.","Check / jurisdiction / outcome":"2026-10-27 / US federal / Fresh bounded read. \nConsumer Financial Protection Bureau\n+1"},"coordinator_verification_status":"selected_fresh_public_primary_or_published_body_with_retained_limits","coordinator_review":{"at":"2026-10-29T08:26:02.273332+00:00","identity":"delegated_coordinator_not_independent","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","scope":"Selected52(a)25percentopeninglimit/firstyear and openingdatecomments, namedexclusions and(a)(3)noauthorizationofotherwiseprohibitedfees. No penaltyfeeamount/reasonableness/litigation/currentallrulechain or actualfee/limit analysis.","finding_ids":[],"selected_scope_only":true,"all_currentness_actual_application_accepted":false}},{"source_id":"R005-P1-S011","urls":["https://www.consumerfinance.gov/rules-policy/regulations/1026/59/","https://www.consumerfinance.gov/rules-policy/regulations/1026/59/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"R005-P1-S011","Issuer, title, and complete literal HTTPS URL(s)":"CFPB, § 1026.59, Reevaluation of rate increases. https://www.consumerfinance.gov/rules-policy/regulations/1026/59/","Exact clauses and actual read bounds; printed page / PDF index":"Operative (a)–(h) and necessary OI read; used for the narrow distinction between review and § 55(b)(4) restoration. Updated LIBOR-related OI checked in S014. HTML.","Version, effective predicate, and currentness limits":"Current-labelled presentation; covered historical increases are those specified in the rule, including its January 1, 2009 predicate. No individualized underwriting or creditworthiness assessment.","Check / jurisdiction / outcome":"2026-10-27 / US federal / Fresh bounded substantive use. \nConsumer Financial Protection Bureau\n+1"},"coordinator_verification_status":"selected_fresh_public_primary_or_published_body_with_retained_limits","coordinator_review":{"at":"2026-10-29T08:26:02.273332+00:00","identity":"delegated_coordinator_not_independent","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","scope":"Selected59review/reduction distinction, reductionwithin45days, cnotlessfrequentthan6months, and historicalincrease predicates. Full(a)gateway,d-h/exclusions/LIBORamendment not all newly reopened. No individualizedrisk/review/raterestoration finding.","finding_ids":[],"selected_scope_only":true,"all_currentness_actual_application_accepted":false}},{"source_id":"R005-P1-S012","urls":["https://www.federalregister.gov/documents/2010/02/22/2010-624/truth-in-lending","https://www.govinfo.gov/content/pkg/FR-2010-02-22/pdf/2010-624.pdf","https://www.federalregister.gov/documents/2010/02/22/2010-624/truth-in-lending?utm_source=chatgpt.com","https://www.govinfo.gov/content/pkg/FR-2010-02-22/pdf/2010-624.pdf?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"R005-P1-S012","Issuer, title, and complete literal HTTPS URL(s)":"Federal Reserve Board, Truth in Lending, 75 FR 7658, February 22, 2010, final rule. https://www.federalregister.gov/documents/2010/02/22/2010-624/truth-in-lending ; https://www.govinfo.gov/content/pkg/FR-2010-02-22/pdf/2010-624.pdf","Exact clauses and actual read bounds; printed page / PDF index":"Dates and staged implementation; § 9(h) preamble explaining APR rejection, especially printed p. 7706 / PDF index 48; opening dates p. 7658 / index 0. Relevant HTML preamble also read. Full PDF is 268 pages, 7658–7925; not all read.","Version, effective predicate, and currentness limits":"Historical predecessor final rule, generally effective February 22, 2010; specified formatting compliance July 1, 2010. Notice statute’s earlier August 20, 2009 stage distinguished. Used as explanation, not as a substitute for current § 1026 text.","Check / jurisdiction / outcome":"2026-10-27 / US federal / Fresh selected preamble and dates. \ngovinfo.gov\n+1"},"coordinator_verification_status":"selected_fresh_public_primary_or_published_body_with_retained_limits","coordinator_review":{"at":"2026-10-29T08:26:02.273332+00:00","identity":"delegated_coordinator_not_independent","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","scope":"Fresh historical2010final-rule firstpageeffective/compliance dates and selectedpreamblep7705-7707/PDF47-49on post-trigger notice and removal ofAPRrejection. Not all268pages; historical226 predecessor distinguishedfromcurrent1026. Statutorytext/currentregulatorybranch/preamble keptseparate; no currentvalidity/remedy judgment.","finding_ids":[],"selected_scope_only":true,"all_currentness_actual_application_accepted":false}},{"source_id":"R005-P1-S013","urls":["https://www.federalregister.gov/documents/2021/12/08/2021-25825/facilitating-the-libor-transition-regulation-z","https://www.govinfo.gov/content/pkg/FR-2021-12-08/pdf/2021-25825.pdf","https://www.govinfo.gov/content/pkg/FR-2021-12-08/pdf/2021-25825.pdf?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"R005-P1-S013","Issuer, title, and complete literal HTTPS URL(s)":"CFPB, Facilitating the LIBOR Transition (Regulation Z), 86 FR 69716, December 8, 2021, final rule. https://www.federalregister.gov/documents/2021/12/08/2021-25825/facilitating-the-libor-transition-regulation-z ; https://www.govinfo.gov/content/pkg/FR-2021-12-08/pdf/2021-25825.pdf","Exact clauses and actual read bounds; printed page / PDF index":"Dates p. 69716 / index 0; selected transition/contract discussion pp. 69757–69758 / indices 41–42; relevant current operative amendments checked through S006–S007. PDF is 85 pages, 69716–69800; not all read.","Version, effective predicate, and currentness limits":"Relevant provisions effective April 1, 2022; mandatory reduced-margin change-notice treatment October 1, 2022. Certain original LIBOR language subsequently amended by S014. Unrelated later Appendix H date not applied to cards.","Check / jurisdiction / outcome":"2026-10-27 / US federal / Fresh selected final-rule text. \ngovinfo.gov\n+1"},"coordinator_verification_status":"original_source_attribution_not_newly_reopened","coordinator_review":{"at":"2026-10-29T08:26:02.273332+00:00","identity":"delegated_coordinator_not_independent","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","scope":"Original read/version/access/discovery claims remain researcher attribution. Protected failedprelim/query/edition/host/GPO/SupplementI/modelimage/newSCRAroutes not retried or bypassed. Unread statutory/regulatory/currentness/pixel/application parts not disproved or certified.","finding_ids":[],"selected_scope_only":true,"all_currentness_actual_application_accepted":false}},{"source_id":"R005-P1-S014","urls":["https://www.federalregister.gov/documents/2023/05/11/2023-09129/facilitating-the-libor-transition-consistent-with-the-libor-act-regulation-z","https://www.govinfo.gov/content/pkg/FR-2023-05-11/pdf/2023-09129.pdf","https://www.federalregister.gov/documents/2023/05/11/2023-09129/facilitating-the-libor-transition-consistent-with-the-libor-act-regulation-z?utm_source=chatgpt.com","https://www.govinfo.gov/content/pkg/FR-2023-05-11/pdf/2023-09129.pdf?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"R005-P1-S014","Issuer, title, and complete literal HTTPS URL(s)":"CFPB, Facilitating the LIBOR Transition Consistent With the LIBOR Act (Regulation Z), 88 FR 30598, May 11, 2023. https://www.federalregister.gov/documents/2023/05/11/2023-09129/facilitating-the-libor-transition-consistent-with-the-libor-act-regulation-z ; https://www.govinfo.gov/content/pkg/FR-2023-05-11/pdf/2023-09129.pdf","Exact clauses and actual read bounds; printed page / PDF index":"Dates p. 30598 / index 0; amended §§ 2(a)(28), 55(b)(7)(ii), pp. 30622–30623 / indices 24–25; amended OI 9(c)(2)(iv), pp. 30623–30624 / indices 25–26; complete relevant 55(b)(7) OI, pp. 30628–30630 / indices 30–32, read through published HTML/XML; selected PDF text directly read. Necessary § 59(f) update also read.","Version, effective predicate, and currentness limits":"Interim final rule effective May 15, 2023—not merely a proposal because comments were invited. Full PDF 35 pages, 30598–30632; not all read. Governs the updated four-tenor benchmark discussion used here.","Check / jurisdiction / outcome":"2026-10-27 / US federal / Fresh amended operative text and OI; example inconsistency preserved. \nfederalregister.gov\n+2"},"coordinator_verification_status":"selected_fresh_public_primary_or_published_body_with_retained_limits","coordinator_review":{"at":"2026-10-29T08:26:02.273332+00:00","identity":"delegated_coordinator_not_independent","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","scope":"Fresh2023interim-final-rule firstpageeffectiveMay15andselected amendedOI p30628-30630/PDF30-32; contractlimits, previous-versus-nextcalendarday, fourBoardreplacementtenors, datecomparisons/same-marginconditions and printedexample12vs20mismatch retained. Sparsefindpreamble fragments not completeoperative amendment. Unreadgaps/whole35pages/adoptionchain/currentness and broaderLIBORAct held.","finding_ids":[],"selected_scope_only":true,"all_currentness_actual_application_accepted":false}},{"source_id":"R005-P1-S015","urls":["https://www.consumerfinance.gov/rules-policy/regulations/1026/g/","https://files.consumerfinance.gov/eregulations/ER22DE11.031-2.png","https://files.consumerfinance.gov/eregulations/ER22DE11.032-1.png","https://files.consumerfinance.gov/eregulations/ER22DE11.032-2.png","https://files.consumerfinance.gov/eregulations/ER22DE11.032-3.png","https://www.consumerfinance.gov/rules-policy/regulations/1026/G/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"R005-P1-S015","Issuer, title, and complete literal HTTPS URL(s)":"CFPB, Appendix G—Open-End Model Forms and Clauses. https://www.consumerfinance.gov/rules-policy/regulations/1026/g/ ; G-20 image https://files.consumerfinance.gov/eregulations/ER22DE11.031-2.png ; G-21 https://files.consumerfinance.gov/eregulations/ER22DE11.032-1.png ; G-22 https://files.consumerfinance.gov/eregulations/ER22DE11.032-2.png ; G-23 https://files.consumerfinance.gov/eregulations/ER22DE11.032-3.png","Exact clauses and actual read bounds; printed page / PDF index":"G-20–G-23 headings and their descriptions in § 9 OI; G-25(A)/(B) textual clauses read. HTML. Model-image retrieval produced placeholders; direct G-20 image access also failed. Full image layout/body not visually inspected.","Version, effective predicate, and currentness limits":"Official models, not real agreements. Their sample fee figures are not treated as current legal caps. Worksheet below is an analytical worksheet, not a government form or claimed safe harbor.","Check / jurisdiction / outcome":"2026-10-27 / US federal / Fresh textual read; image-inspection limitation. \nConsumer Financial Protection Bureau\n+1"},"coordinator_verification_status":"original_source_attribution_not_newly_reopened","coordinator_review":{"at":"2026-10-29T08:26:02.273332+00:00","identity":"delegated_coordinator_not_independent","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","scope":"Original read/version/access/discovery claims remain researcher attribution. Protected failedprelim/query/edition/host/GPO/SupplementI/modelimage/newSCRAroutes not retried or bypassed. Unread statutory/regulatory/currentness/pixel/application parts not disproved or certified.","finding_ids":[],"selected_scope_only":true,"all_currentness_actual_application_accepted":false}},{"source_id":"R005-P1-S016","urls":["https://cdn.ca9.uscourts.gov/datastore/opinions/2025/12/29/24-4498.pdf","https://cdn.ca9.uscourts.gov/datastore/opinions/2025/12/29/24-4498.pdf?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"R005-P1-S016","Issuer, title, and complete literal HTTPS URL(s)":"U.S. Court of Appeals for the Ninth Circuit, Milliken v. Bank of America, N.A., published majority, December 29, 2025. https://cdn.ca9.uscourts.gov/datastore/opinions/2025/12/29/24-4498.pdf","Exact clauses and actual read bounds; printed page / PDF index":"Entire majority, printed pp. 4–13 / indices 3–12, plus cover p. 1 / index 0, read as extracted text. Staff summary pp. 2–3 was not the holding foundation. Relevant analysis pp. 7–12 / indices 6–11; disposition p. 13 / index 12.","Version, effective predicate, and currentness limits":"Appeal from Rule 12(b)(6) dismissal; majority affirmed. Used only for the variable-index/cycle question. Later history not checked; no docket-status query. No claim of nationwide finality or absence of negative history.","Check / jurisdiction / outcome":"2026-10-27 / Ninth Circuit federal / Fresh published majority read, no case-record investigation. \ncdn.ca9.uscourts.gov"},"coordinator_verification_status":"selected_fresh_public_primary_or_published_body_with_retained_limits","coordinator_review":{"at":"2026-10-29T08:26:02.273332+00:00","identity":"delegated_coordinator_not_independent","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","scope":"Fresh officialcoverand entire286parsed majoritylines66-351, printed4-13/PDF3-12. Rule12b6dismissalaffirmed; exactconstantmargin/publicprime/fixedmonthend/symmetricformula and notice-commentary distinction checked. Staffsummary not holding basis; quoted earlier cases not newly researched; finalreporter/revisions/laterhistory/application held, no docketquery.","finding_ids":[],"selected_scope_only":true,"all_currentness_actual_application_accepted":false}},{"source_id":"R005-P1-S017","urls":["https://www.govinfo.gov/link/uscode/15/1666i-1","https://www.govinfo.gov/link/uscode/15/1637","https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap41-subchapI-partD-sec1666i-1.htm","https://www.govinfo.gov/link/uscode/15/1666i-1?utm_source=chatgpt.com","https://www.govinfo.gov/link/uscode/15/1637?utm_source=chatgpt.com","https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap41-subchapI-partD-sec1666i-1.htm?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"R005-P1-S017","Issuer, title, and complete literal HTTPS URL(s)":"GPO GovInfo, statutory fallback presentations. https://www.govinfo.gov/link/uscode/15/1666i-1 ; https://www.govinfo.gov/link/uscode/15/1637 ; https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap41-subchapI-partD-sec1666i-1.htm","Exact clauses and actual read bounds; printed page / PDF index":"First PDF: complete relevant §§ 1666i-1 and adjacent 1666i-2, pp. 1544–1545 / indices 0–1. § 1637 PDF: relevant (i), (k), (n), (o), pp. 1487–1488 / indices 7–8 of 13 pages, not whole document. 2024 HTML § 1666i-1 complete.","Version, effective predicate, and currentness limits":"Dynamic-link PDFs did not expose a sufficiently verified edition in the retrieved metadata. Explicit 2024 edition is historical. Later successful House bodies in S002–S003 supplied the better currency labels.","Check / jurisdiction / outcome":"2026-10-27 / US federal / Fresh fallback reads; not independent corroboration of the same statute. \ngovinfo.gov\n+2"},"coordinator_verification_status":"original_source_attribution_not_newly_reopened","coordinator_review":{"at":"2026-10-29T08:26:02.273332+00:00","identity":"delegated_coordinator_not_independent","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","scope":"Original read/version/access/discovery claims remain researcher attribution. Protected failedprelim/query/edition/host/GPO/SupplementI/modelimage/newSCRAroutes not retried or bypassed. Unread statutory/regulatory/currentness/pixel/application parts not disproved or certified.","finding_ids":[],"selected_scope_only":true,"all_currentness_actual_application_accepted":false}},{"source_id":"R005-P1-S024","urls":["https://www.govinfo.gov/content/pkg/USCODE-2024-title50/html/USCODE-2024-title50-chap50-subchapII-sec3937.htm","https://uscode.house.gov/us/usc/119-124/t50/s3937/","https://www.govinfo.gov/content/pkg/USCODE-2024-title50/html/USCODE-2024-title50-chap50-subchapII-sec3937.htm?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"R005-P1-S024","Issuer, title, and complete literal HTTPS URL(s)":"GPO, 50 U.S.C. § 3937, 2024 edition; failed newer House route. https://www.govinfo.gov/content/pkg/USCODE-2024-title50/html/USCODE-2024-title50-chap50-subchapII-sec3937.htm ; https://uscode.house.gov/us/usc/119-124/t50/s3937/","Exact clauses and actual read bounds; printed page / PDF index":"GPO operative (a)–(e) and notes read; used here only for the codification note identifying former 50 U.S.C. app. § 527 as § 3937. HTML.","Version, effective predicate, and currentness limits":"Historical 2024 edition. House route inaccessible. No 2026 SCRA eligibility, service-status, remedies, or full amendment audit.","Check / jurisdiction / outcome":"2026-10-27 / US federal / Fresh codification read; newer-body failure preserved."},"coordinator_verification_status":"original_source_attribution_not_newly_reopened","coordinator_review":{"at":"2026-10-29T08:26:02.273332+00:00","identity":"delegated_coordinator_not_independent","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","scope":"Original read/version/access/discovery claims remain researcher attribution. Protected failedprelim/query/edition/host/GPO/SupplementI/modelimage/newSCRAroutes not retried or bypassed. Unread statutory/regulatory/currentness/pixel/application parts not disproved or certified.","finding_ids":[],"selected_scope_only":true,"all_currentness_actual_application_accepted":false}},{"source_id":"R005-P1-S018","urls":["https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section1666i-1&num=0&edition=prelim","https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section1666i-2&num=0&edition=prelim","https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section1637&num=0&edition=prelim","https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section1666i-2&num=0&edition=prelim&utm_source=chatgpt.com"],"researcher_record":{"Source ID":"R005-P1-S018","Official target and complete literal HTTPS URL(s)":"House preliminary endpoints: https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section1666i-1&num=0&edition=prelim ; https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section1666i-2&num=0&edition=prelim ; https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section1637&num=0&edition=prelim","Actual result / read bounds":"Respectively server error, maintenance response, and not-found response. No operative body established through those attempts. HTML; pages N/A.","Version and consequence":"Recovered relevant bodies through S002–S003. Preliminary endpoint labels did not establish a current edition.","Check / jurisdiction":"2026-10-27 / US federal / Failure."},"coordinator_verification_status":"original_source_attribution_not_newly_reopened","coordinator_review":{"at":"2026-10-29T08:26:02.273332+00:00","identity":"delegated_coordinator_not_independent","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","scope":"Original read/version/access/discovery claims remain researcher attribution. Protected failedprelim/query/edition/host/GPO/SupplementI/modelimage/newSCRAroutes not retried or bypassed. Unread statutory/regulatory/currentness/pixel/application parts not disproved or certified.","finding_ids":[],"selected_scope_only":true,"all_currentness_actual_application_accepted":false}},{"source_id":"R005-P1-S019","urls":["https://uscode.house.gov/view.xhtml?req=%28title%3A15+section%3A1666i-2+edition%3Aprelim%29","https://uscode.house.gov/view.xhtml?req=%28title%3A15+section%3A1666i-1+edition%3Aprelim%29","https://uscode.house.gov/view.xhtml?req=(title:15%20section:1637%20edition:prelim","https://uscode.house.gov/view.xhtml?req=(title:15+section:1666i-2+edition:prelim)&utm_source=chatgpt.com","https://uscode.house.gov/view.xhtml?req=(title:15+section:1666i-1+edition:prelim)&utm_source=chatgpt.com"],"researcher_record":{"Source ID":"R005-P1-S019","Official target and complete literal HTTPS URL(s)":"Alternate House queries: https://uscode.house.gov/view.xhtml?req=%28title%3A15+section%3A1666i-2+edition%3Aprelim%29 ; https://uscode.house.gov/view.xhtml?req=%28title%3A15+section%3A1666i-1+edition%3Aprelim%29 ; https://uscode.house.gov/view.xhtml?req=(title:15%20section:1637%20edition:prelim)","Actual result / read bounds":"Server-error responses; no usable statutory body from these routes.","Version and consequence":"Search-index snippets were discovery only. Successful body reads, not snippets, support the report.","Check / jurisdiction":"2026-10-27 / US federal / Failure."},"coordinator_verification_status":"original_source_attribution_not_newly_reopened","coordinator_review":{"at":"2026-10-29T08:26:02.273332+00:00","identity":"delegated_coordinator_not_independent","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","scope":"Original read/version/access/discovery claims remain researcher attribution. Protected failedprelim/query/edition/host/GPO/SupplementI/modelimage/newSCRAroutes not retried or bypassed. Unread statutory/regulatory/currentness/pixel/application parts not disproved or certified.","finding_ids":[],"selected_scope_only":true,"all_currentness_actual_application_accepted":false}},{"source_id":"R005-P1-S020","urls":["https://uscode.house.gov/us/usc/119-124/t15/s1666i-1/","https://uscode.house.gov/us/usc/119-124/t15/s1666i-2/","https://uscode.house.gov/us/usc/t15/s1666i-1/","https://uscode.house.gov/us/usc/t15/s1666i-2/","https://uscode.house.gov/us/usc/119-134/t15/s1666i-1/","https://uscode.house.gov/us/usc/119-134/t15/s1666i-2/"],"researcher_record":{"Source ID":"R005-P1-S020","Official target and complete literal HTTPS URL(s)":"Other House routes: https://uscode.house.gov/us/usc/119-124/t15/s1666i-1/ ; https://uscode.house.gov/us/usc/119-124/t15/s1666i-2/ ; https://uscode.house.gov/us/usc/t15/s1666i-1/ ; https://uscode.house.gov/us/usc/t15/s1666i-2/ ; https://uscode.house.gov/us/usc/119-134/t15/s1666i-1/ ; https://uscode.house.gov/us/usc/119-134/t15/s1666i-2/","Actual result / read bounds":"Inaccessible through the public retrieval tool. No body read from these endpoints.","Version and consequence":"S002’s successful bodies remain bounded by their displayed compilation date. A newer-looking URL is not proof of newer text.","Check / jurisdiction":"2026-10-27 / US federal / Failure."},"coordinator_verification_status":"original_source_attribution_not_newly_reopened","coordinator_review":{"at":"2026-10-29T08:26:02.273332+00:00","identity":"delegated_coordinator_not_independent","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","scope":"Original read/version/access/discovery claims remain researcher attribution. Protected failedprelim/query/edition/host/GPO/SupplementI/modelimage/newSCRAroutes not retried or bypassed. Unread statutory/regulatory/currentness/pixel/application parts not disproved or certified.","finding_ids":[],"selected_scope_only":true,"all_currentness_actual_application_accepted":false}},{"source_id":"R005-P1-S021","urls":["https://uscodeweb1.house.gov/view.xhtml?edition=prelim&req=granuleid%3AUSC-prelim-title15-chapter41-subchapter1&saved=%7CZ3JhbnVsZWlkOlVTQy1wcmVsaW0tdGl0bGUxNS1zZWN0aW9uMTYwMg%3D%3D%7C%7C%7C0%7Cfalse%7Cprelim","https://uscodeweb1.house.gov/view.xhtml?edition=prelim&req=granuleid:USC-prelim-title15-chapter41-subchapter1&saved=|Z3JhbnVsZWlkOlVTQy1wcmVsaW0tdGl0bGUxNS1zZWN0aW9uMTYwMg==|||0|false|prelim&utm_source=chatgpt.com"],"researcher_record":{"Source ID":"R005-P1-S021","Official target and complete literal HTTPS URL(s)":"House alternate host/chapter route: https://uscodeweb1.house.gov/view.xhtml?edition=prelim&req=granuleid%3AUSC-prelim-title15-chapter41-subchapter1&saved=%7CZ3JhbnVsZWlkOlVTQy1wcmVsaW0tdGl0bGUxNS1zZWN0aW9uMTYwMg%3D%3D%7C%7C%7C0%7Cfalse%7Cprelim","Actual result / read bounds":"Timeout; no usable chapter-body read.","Version and consequence":"Individual successful statutory sections used instead.","Check / jurisdiction":"2026-10-27 / US federal / Failure."},"coordinator_verification_status":"original_source_attribution_not_newly_reopened","coordinator_review":{"at":"2026-10-29T08:26:02.273332+00:00","identity":"delegated_coordinator_not_independent","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","scope":"Original read/version/access/discovery claims remain researcher attribution. Protected failedprelim/query/edition/host/GPO/SupplementI/modelimage/newSCRAroutes not retried or bypassed. Unread statutory/regulatory/currentness/pixel/application parts not disproved or certified.","finding_ids":[],"selected_scope_only":true,"all_currentness_actual_application_accepted":false}},{"source_id":"R005-P1-S022","urls":["https://www.govinfo.gov/link/uscode/15/1666i-2","https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap41-subchapI-partD-sec1666i-2.htm","https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap41-subchapI-partB-sec1637.htm"],"researcher_record":{"Source ID":"R005-P1-S022","Official target and complete literal HTTPS URL(s)":"GovInfo failed routes: https://www.govinfo.gov/link/uscode/15/1666i-2 ; https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap41-subchapI-partD-sec1666i-2.htm ; https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap41-subchapI-partB-sec1637.htm","Actual result / read bounds":"Inaccessible. § 1666i-2 recovered in adjacent PDF text and later House body; § 1637 recovered separately.","Version and consequence":"Failed historical routes do not negate the operative provisions.","Check / jurisdiction":"2026-10-27 / US federal / Failure."},"coordinator_verification_status":"original_source_attribution_not_newly_reopened","coordinator_review":{"at":"2026-10-29T08:26:02.273332+00:00","identity":"delegated_coordinator_not_independent","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","scope":"Original read/version/access/discovery claims remain researcher attribution. Protected failedprelim/query/edition/host/GPO/SupplementI/modelimage/newSCRAroutes not retried or bypassed. Unread statutory/regulatory/currentness/pixel/application parts not disproved or certified.","finding_ids":[],"selected_scope_only":true,"all_currentness_actual_application_accepted":false}},{"source_id":"R005-P1-S023","urls":["https://www.ecfr.gov/current/title-12/chapter-X/part-1026/appendix-Supplement%20I%20to%20Part%201026"],"researcher_record":{"Source ID":"R005-P1-S023","Official target and complete literal HTTPS URL(s)":"eCFR, complete Supplement I: https://www.ecfr.gov/current/title-12/chapter-X/part-1026/appendix-Supplement%20I%20to%20Part%201026","Actual result / read bounds":"Retrieval rejected as content too large, exceeding the tool’s approximately 4 MB response limit. No complete Supplement I body read from this route.","Version and consequence":"Relevant OI read on CFPB section pages and reconciled with S014. No claim to have read all Regulation Z commentary.","Check / jurisdiction":"2026-10-27 / US federal / Failure, bounded alternative reads."},"coordinator_verification_status":"original_source_attribution_not_newly_reopened","coordinator_review":{"at":"2026-10-29T08:26:02.273332+00:00","identity":"delegated_coordinator_not_independent","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","scope":"Original read/version/access/discovery claims remain researcher attribution. Protected failedprelim/query/edition/host/GPO/SupplementI/modelimage/newSCRAroutes not retried or bypassed. Unread statutory/regulatory/currentness/pixel/application parts not disproved or certified.","finding_ids":[],"selected_scope_only":true,"all_currentness_actual_application_accepted":false}}],"coverage":[{"topic":"CV01","researcher_record":{"Coverage ID":"CV01","Assigned subquestion or major branch":"Necessary TILA creditor/card-issuer coverage","Status and reason":"Answered generically","Claim / example links":"C002; H008","Exact missing authority or facts":"No actual actor/agency facts","Next bounded permissible investigation":"None needed for this generic component; any later legal issue would require a separately bounded authority question."},"coordinator_acceptance":"generic_component_reconciled_all_source_and_application_gaps_retained","coordinator_review":{"at":"2026-10-29T08:26:02.273332+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","finding_ids":[],"scope":"Retain exact original missingauthorities/facts and limits; source/branch reconciliation does not accept an actualproduct/notice/debt/change/rejection or parent."}},{"topic":"CV02","researcher_record":{"Coverage ID":"CV02","Assigned subquestion or major branch":"Consumer and open-end coverage","Status and reason":"Answered generically","Claim / example links":"C003, C007; H008","Exact missing authority or facts":"Purpose, plan mechanics, opening/exemption facts unknown","Next bounded permissible investigation":"Review only the specific unresolved legal gateway if later assigned."},"coordinator_acceptance":"generic_component_reconciled_all_source_and_application_gaps_retained","coordinator_review":{"at":"2026-10-29T08:26:02.273332+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","finding_ids":[],"scope":"Retain exact original missingauthorities/facts and limits; source/branch reconciliation does not accept an actualproduct/notice/debt/change/rejection or parent."}},{"topic":"CV03","researcher_record":{"Coverage ID":"CV03","Assigned subquestion or major branch":"Defined card account versus other open-end credit","Status and reason":"Answered","Claim / example links":"C004, C008","Exact missing authority or facts":"Actual product unknown","Next bounded permissible investigation":"No broader product survey."},"coordinator_acceptance":"generic_component_reconciled_all_source_and_application_gaps_retained","coordinator_review":{"at":"2026-10-29T08:26:02.273332+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","finding_ids":[],"scope":"Retain exact original missingauthorities/facts and limits; source/branch reconciliation does not accept an actualproduct/notice/debt/change/rejection or parent."}},{"topic":"CV04","researcher_record":{"Coverage ID":"CV04","Assigned subquestion or major branch":"Business cards","Status and reason":"Answered as exclusion boundary","Claim / example links":"C005; H008","Exact missing authority or facts":"Primary-purpose facts unknown","Next bounded permissible investigation":"No business-card merits investigation in this component."},"coordinator_acceptance":"generic_component_reconciled_all_source_and_application_gaps_retained","coordinator_review":{"at":"2026-10-29T08:26:02.273332+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","finding_ids":[],"scope":"Retain exact original missingauthorities/facts and limits; source/branch reconciliation does not accept an actualproduct/notice/debt/change/rejection or parent."}},{"topic":"CV05","researcher_record":{"Coverage ID":"CV05","Assigned subquestion or major branch":"Charge cards","Status and reason":"Answered","Claim / example links":"C006; H008","Exact missing authority or facts":"Product’s actual fee/rate features unknown","Next bounded permissible investigation":"Examine only a specifically identified rule distinction if separately authorized."},"coordinator_acceptance":"generic_component_reconciled_all_source_and_application_gaps_retained","coordinator_review":{"at":"2026-10-29T08:26:02.273332+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","finding_ids":[],"scope":"Retain exact original missingauthorities/facts and limits; source/branch reconciliation does not accept an actualproduct/notice/debt/change/rejection or parent."}},{"topic":"CV06","researcher_record":{"Coverage ID":"CV06","Assigned subquestion or major branch":"HELOC, overdraft, hybrid exclusions","Status and reason":"Answered as gateway; other-product merits excluded","Claim / example links":"C004","Exact missing authority or facts":"Detailed hybrid/other-product classification held","Next bounded permissible investigation":"Separate product-specific public-law component if requested."},"coordinator_acceptance":"generic_component_reconciled_all_source_and_application_gaps_retained","coordinator_review":{"at":"2026-10-29T08:26:02.273332+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","finding_ids":[],"scope":"Retain exact original missingauthorities/facts and limits; source/branch reconciliation does not accept an actualproduct/notice/debt/change/rejection or parent."}},{"topic":"CV07","researcher_record":{"Coverage ID":"CV07","Assigned subquestion or major branch":"Full relevant §§ 1666i-1/-2","Status and reason":"Answered textually; currentness partial","Claim / example links":"C037–C038","Exact missing authority or facts":"Complete post-compilation session-law audit absent","Next bounded permissible investigation":"Public session laws/classification tables for the exact lag interval."},"coordinator_acceptance":"generic_component_reconciled_all_source_and_application_gaps_retained","coordinator_review":{"at":"2026-10-29T08:26:02.273332+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","finding_ids":[],"scope":"Retain exact original missingauthorities/facts and limits; source/branch reconciliation does not accept an actualproduct/notice/debt/change/rejection or parent."}},{"topic":"CV08","researcher_record":{"Coverage ID":"CV08","Assigned subquestion or major branch":"§ 1637 notice/cancellation/over-limit operative clauses","Status and reason":"Answered relevant clauses","Claim / example links":"C011, C068, C077","Exact missing authority or facts":"Same statutory-currentness limit","Next bounded permissible investigation":"Same narrow public-law update check."},"coordinator_acceptance":"generic_component_reconciled_all_source_and_application_gaps_retained","coordinator_review":{"at":"2026-10-29T08:26:02.273332+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","finding_ids":[],"scope":"Retain exact original missingauthorities/facts and limits; source/branch reconciliation does not accept an actualproduct/notice/debt/change/rejection or parent."}},{"topic":"CV09","researcher_record":{"Coverage ID":"CV09","Assigned subquestion or major branch":"Ordinary significant-change definition and notice","Status and reason":"Answered","Claim / example links":"C010–C011; H001","Exact missing authority or facts":"Actual changed term and notice unknown","Next bounded permissible investigation":"No additional authority necessary for generic branch."},"coordinator_acceptance":"generic_component_reconciled_all_source_and_application_gaps_retained","coordinator_review":{"at":"2026-10-29T08:26:02.273332+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","finding_ids":[],"scope":"Retain exact original missingauthorities/facts and limits; source/branch reconciliation does not accept an actualproduct/notice/debt/change/rejection or parent."}},{"topic":"CV10","researcher_record":{"Coverage ID":"CV10","Assigned subquestion or major branch":"Particular agreed change","Status and reason":"Answered","Claim / example links":"C012","Exact missing authority or facts":"Actual qualifying agreement facts held","Next bounded permissible investigation":"No formation/consent adjudication."},"coordinator_acceptance":"generic_component_reconciled_all_source_and_application_gaps_retained","coordinator_review":{"at":"2026-10-29T08:26:02.273332+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","finding_ids":[],"scope":"Retain exact original missingauthorities/facts and limits; source/branch reconciliation does not accept an actualproduct/notice/debt/change/rejection or parent."}},{"topic":"CV11","researcher_record":{"Coverage ID":"CV11","Assigned subquestion or major branch":"Nonsignificant other charges","Status and reason":"Answered","Claim / example links":"C013; H011","Exact missing authority or facts":"Actual fee classification and obligation sequence","Next bounded permissible investigation":"Bounded classification authority only if later necessary."},"coordinator_acceptance":"generic_component_reconciled_all_source_and_application_gaps_retained","coordinator_review":{"at":"2026-10-29T08:26:02.273332+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","finding_ids":[],"scope":"Retain exact original missingauthorities/facts and limits; source/branch reconciliation does not accept an actualproduct/notice/debt/change/rejection or parent."}},{"topic":"CV12","researcher_record":{"Coverage ID":"CV12","Assigned subquestion or major branch":"Added feature/check-only branch","Status and reason":"Answered","Claim / example links":"C014","Exact missing authority or facts":"Actual feature/check package unknown","Next bounded permissible investigation":"Official blank check-disclosure model inspection if separately needed."},"coordinator_acceptance":"generic_component_reconciled_all_source_and_application_gaps_retained","coordinator_review":{"at":"2026-10-29T08:26:02.273332+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","finding_ids":[],"scope":"Retain exact original missingauthorities/facts and limits; source/branch reconciliation does not accept an actualproduct/notice/debt/change/rejection or parent."}},{"topic":"CV13","researcher_record":{"Coverage ID":"CV13","Assigned subquestion or major branch":"Initially disclosed versus discretionary change","Status and reason":"Answered","Claim / example links":"C015","Exact missing authority or facts":"Baseline agreement/version unknown","Next bounded permissible investigation":"Keep contract authority held."},"coordinator_acceptance":"generic_component_reconciled_all_source_and_application_gaps_retained","coordinator_review":{"at":"2026-10-29T08:26:02.273332+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","finding_ids":[],"scope":"Retain exact original missingauthorities/facts and limits; source/branch reconciliation does not accept an actualproduct/notice/debt/change/rejection or parent."}},{"topic":"CV14","researcher_record":{"Coverage ID":"CV14","Assigned subquestion or major branch":"§ 9(c)(2)(v)(A) exceptions","Status and reason":"Answered","Claim / example links":"C016","Exact missing authority or facts":"Whether an actual change matches an exception","Next bounded permissible investigation":"None for abstract rule."},"coordinator_acceptance":"generic_component_reconciled_all_source_and_application_gaps_retained","coordinator_review":{"at":"2026-10-29T08:26:02.273332+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","finding_ids":[],"scope":"Retain exact original missingauthorities/facts and limits; source/branch reconciliation does not accept an actualproduct/notice/debt/change/rejection or parent."}},{"topic":"CV15","researcher_record":{"Coverage ID":"CV15","Assigned subquestion or major branch":"Temporary-term notice exception","Status and reason":"Answered","Claim / example links":"C017; H004","Exact missing authority or facts":"Prior disclosure, period, prominence, later formula","Next bounded permissible investigation":"No actual document investigation."},"coordinator_acceptance":"generic_component_reconciled_all_source_and_application_gaps_retained","coordinator_review":{"at":"2026-10-29T08:26:02.273332+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","finding_ids":[],"scope":"Retain exact original missingauthorities/facts and limits; source/branch reconciliation does not accept an actualproduct/notice/debt/change/rejection or parent."}},{"topic":"CV16","researcher_record":{"Coverage ID":"CV16","Assigned subquestion or major branch":"Telephone temporary offer","Status and reason":"Answered","Claim / example links":"C018","Exact missing authority or facts":"Offer/disclosure/acceptance events unknown","Next bounded permissible investigation":"No individualized deadline."},"coordinator_acceptance":"generic_component_reconciled_all_source_and_application_gaps_retained","coordinator_review":{"at":"2026-10-29T08:26:02.273332+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","finding_ids":[],"scope":"Retain exact original missingauthorities/facts and limits; source/branch reconciliation does not accept an actualproduct/notice/debt/change/rejection or parent."}},{"topic":"CV17","researcher_record":{"Coverage ID":"CV17","Assigned subquestion or major branch":"Variable-index notice exception","Status and reason":"Answered","Claim / example links":"C019; H003","Exact missing authority or facts":"Formula and causal index movement unknown","Next bounded permissible investigation":"Public generic formula authority only if a further legal question arises."},"coordinator_acceptance":"generic_component_reconciled_all_source_and_application_gaps_retained","coordinator_review":{"at":"2026-10-29T08:26:02.273332+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","finding_ids":[],"scope":"Retain exact original missingauthorities/facts and limits; source/branch reconciliation does not accept an actualproduct/notice/debt/change/rejection or parent."}},{"topic":"CV18","researcher_record":{"Coverage ID":"CV18","Assigned subquestion or major branch":"Workout notice exception","Status and reason":"Answered except returned-fee cross-reference","Claim / example links":"C020–C021; H006","Exact missing authority or facts":"Duplicated (ix) versus OI (xi) remains unresolved","Next bounded permissible investigation":"Check a published correction or directly applicable authoritative clarification."},"coordinator_acceptance":"generic_component_reconciled_all_source_and_application_gaps_retained","coordinator_review":{"at":"2026-10-29T08:26:02.273332+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","finding_ids":[],"scope":"Retain exact original missingauthorities/facts and limits; source/branch reconciliation does not accept an actualproduct/notice/debt/change/rejection or parent."}},{"topic":"CV19","researcher_record":{"Coverage ID":"CV19","Assigned subquestion or major branch":"Credit-limit reduction notice","Status and reason":"Answered","Claim / example links":"C022, C031; H010","Exact missing authority or facts":"Reduction/date/balance facts unknown","Next bounded permissible investigation":"None for generic branch."},"coordinator_acceptance":"generic_component_reconciled_all_source_and_application_gaps_retained","coordinator_review":{"at":"2026-10-29T08:26:02.273332+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","finding_ids":[],"scope":"Retain exact original missingauthorities/facts and limits; source/branch reconciliation does not accept an actualproduct/notice/debt/change/rejection or parent."}},{"topic":"CV20","researcher_record":{"Coverage ID":"CV20","Assigned subquestion or major branch":"Exact change-notice contents","Status and reason":"Answered","Claim / example links":"C023–C026","Exact missing authority or facts":"No actual notice to inspect","Next bounded permissible investigation":"Use blank models only; no account review."},"coordinator_acceptance":"generic_component_reconciled_all_source_and_application_gaps_retained","coordinator_review":{"at":"2026-10-29T08:26:02.273332+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","finding_ids":[],"scope":"Retain exact original missingauthorities/facts and limits; source/branch reconciliation does not accept an actualproduct/notice/debt/change/rejection or parent."}},{"topic":"CV21","researcher_record":{"Coverage ID":"CV21","Assigned subquestion or major branch":"Exact format and redisclosure interactions","Status and reason":"Answered textually; model pixels partial","Claim / example links":"C027–C028, C088","Exact missing authority or facts":"G-20–G-23 image layout not visually inspected","Next bounded permissible investigation":"Retrieve usable official model images through permitted public tools."},"coordinator_acceptance":"generic_component_reconciled_all_source_and_application_gaps_retained","coordinator_review":{"at":"2026-10-29T08:26:02.273332+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","finding_ids":[],"scope":"Retain exact original missingauthorities/facts and limits; source/branch reconciliation does not accept an actualproduct/notice/debt/change/rejection or parent."}},{"topic":"CV22","researcher_record":{"Coverage ID":"CV22","Assigned subquestion or major branch":"§ 9(g) triggering event and timing","Status and reason":"Answered","Claim / example links":"C029; H005","Exact missing authority or facts":"Event, provision, effectiveness unknown","Next bounded permissible investigation":"No actual calendar reconstruction."},"coordinator_acceptance":"generic_component_reconciled_all_source_and_application_gaps_retained","coordinator_review":{"at":"2026-10-29T08:26:02.273332+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","finding_ids":[],"scope":"Retain exact original missingauthorities/facts and limits; source/branch reconciliation does not accept an actualproduct/notice/debt/change/rejection or parent."}},{"topic":"CV23","researcher_record":{"Coverage ID":"CV23","Assigned subquestion or major branch":"§ 9(g) contents, format, combination","Status and reason":"Answered","Claim / example links":"C030","Exact missing authority or facts":"Actual notice unknown","Next bounded permissible investigation":"No further authority needed for generic rule."},"coordinator_acceptance":"generic_component_reconciled_all_source_and_application_gaps_retained","coordinator_review":{"at":"2026-10-29T08:26:02.273332+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","finding_ids":[],"scope":"Retain exact original missingauthorities/facts and limits; source/branch reconciliation does not accept an actualproduct/notice/debt/change/rejection or parent."}},{"topic":"CV24","researcher_record":{"Coverage ID":"CV24","Assigned subquestion or major branch":"§ 9(g)(4) conditional reduced-limit exception","Status and reason":"Answered","Claim / example links":"C031; H010","Exact missing authority or facts":"Relevant balance/test date unknown","Next bounded permissible investigation":"No individual application."},"coordinator_acceptance":"generic_component_reconciled_all_source_and_application_gaps_retained","coordinator_review":{"at":"2026-10-29T08:26:02.273332+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","finding_ids":[],"scope":"Retain exact original missingauthorities/facts and limits; source/branch reconciliation does not accept an actualproduct/notice/debt/change/rejection or parent."}},{"topic":"CV25","researcher_record":{"Coverage ID":"CV25","Assigned subquestion or major branch":"Calendar/business-day standards","Status and reason":"Answered","Claim / example links":"C032, C034–C035","Exact missing authority or facts":"Actual dates/acceptance practices unknown","Next bounded permissible investigation":"Preserve legal units; no invented calculation."},"coordinator_acceptance":"generic_component_reconciled_all_source_and_application_gaps_retained","coordinator_review":{"at":"2026-10-29T08:26:02.273332+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","finding_ids":[],"scope":"Retain exact original missingauthorities/facts and limits; source/branch reconciliation does not accept an actualproduct/notice/debt/change/rejection or parent."}},{"topic":"CV26","researcher_record":{"Coverage ID":"CV26","Assigned subquestion or major branch":"Mailing/receipt presumptions","Status and reason":"Answered within assigned federal branches","Claim / example links":"C033–C036; H007","Exact missing authority or facts":"Delivery/e-sign/contract/other-law facts held","Next bounded permissible investigation":"Separate issue only if a concrete legal presumption question is later assigned."},"coordinator_acceptance":"generic_component_reconciled_all_source_and_application_gaps_retained","coordinator_review":{"at":"2026-10-29T08:26:02.273332+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","finding_ids":[],"scope":"Retain exact original missingauthorities/facts and limits; source/branch reconciliation does not accept an actualproduct/notice/debt/change/rejection or parent."}},{"topic":"CV27","researcher_record":{"Coverage ID":"CV27","Assigned subquestion or major branch":"Notice versus authority","Status and reason":"Answered throughout","Claim / example links":"C001, C039–C060; H001–H013","Exact missing authority or facts":"Actual contract authority remains held","Next bounded permissible investigation":"No contract-validity conclusion."},"coordinator_acceptance":"generic_component_reconciled_all_source_and_application_gaps_retained","coordinator_review":{"at":"2026-10-29T08:26:02.273332+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","finding_ids":[],"scope":"Retain exact original missingauthorities/facts and limits; source/branch reconciliation does not accept an actualproduct/notice/debt/change/rejection or parent."}},{"topic":"CV28","researcher_record":{"Coverage ID":"CV28","Assigned subquestion or major branch":"New transactions versus existing balances","Status and reason":"Answered","Claim / example links":"C040–C043; H002","Exact missing authority or facts":"Cohort/transaction facts unknown","Next bounded permissible investigation":"None for generic branch."},"coordinator_acceptance":"generic_component_reconciled_all_source_and_application_gaps_retained","coordinator_review":{"at":"2026-10-29T08:26:02.273332+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","finding_ids":[],"scope":"Retain exact original missingauthorities/facts and limits; source/branch reconciliation does not accept an actualproduct/notice/debt/change/rejection or parent."}},{"topic":"CV29","researcher_record":{"Coverage ID":"CV29","Assigned subquestion or major branch":"First-year/closed/unavailable advance-notice restriction","Status and reason":"Answered","Claim / example links":"C035, C041; H013","Exact missing authority or facts":"Opening and availability facts unknown","Next bounded permissible investigation":"No account investigation."},"coordinator_acceptance":"generic_component_reconciled_all_source_and_application_gaps_retained","coordinator_review":{"at":"2026-10-29T08:26:02.273332+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","finding_ids":[],"scope":"Retain exact original missingauthorities/facts and limits; source/branch reconciliation does not accept an actualproduct/notice/debt/change/rejection or parent."}},{"topic":"CV30","researcher_record":{"Coverage ID":"CV30","Assigned subquestion or major branch":"Temporary exception: duration and ceilings","Status and reason":"Answered","Claim / example links":"C044–C045; H004","Exact missing authority or facts":"Disclosure/period/cohort facts unknown","Next bounded permissible investigation":"None for generic branch."},"coordinator_acceptance":"generic_component_reconciled_all_source_and_application_gaps_retained","coordinator_review":{"at":"2026-10-29T08:26:02.273332+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","finding_ids":[],"scope":"Retain exact original missingauthorities/facts and limits; source/branch reconciliation does not accept an actualproduct/notice/debt/change/rejection or parent."}},{"topic":"CV31","researcher_record":{"Coverage ID":"CV31","Assigned subquestion or major branch":"Contingent revocation/deferred interest intersection","Status and reason":"Answered narrowly","Claim / example links":"C046","Exact missing authority or facts":"Actual program and payment facts unknown","Next bounded permissible investigation":"Full accrual/accounting remains held."},"coordinator_acceptance":"generic_component_reconciled_all_source_and_application_gaps_retained","coordinator_review":{"at":"2026-10-29T08:26:02.273332+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","finding_ids":[],"scope":"Retain exact original missingauthorities/facts and limits; source/branch reconciliation does not accept an actualproduct/notice/debt/change/rejection or parent."}},{"topic":"CV32","researcher_record":{"Coverage ID":"CV32","Assigned subquestion or major branch":"Genuine variable-index authority and controls","Status and reason":"Answered","Claim / example links":"C047–C049; H003","Exact missing authority or facts":"Actual formula/index evidence absent","Next bounded permissible investigation":"Published-law question only; no lender-specific data query."},"coordinator_acceptance":"generic_component_reconciled_all_source_and_application_gaps_retained","coordinator_review":{"at":"2026-10-29T08:26:02.273332+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","finding_ids":[],"scope":"Retain exact original missingauthorities/facts and limits; source/branch reconciliation does not accept an actualproduct/notice/debt/change/rejection or parent."}},{"topic":"CV33","researcher_record":{"Coverage ID":"CV33","Assigned subquestion or major branch":"Material case holding/posture/disposition","Status and reason":"Answered as issued; later history unresolved","Claim / example links":"C049; S016","Exact missing authority or facts":"Subsequent precedential history not checked","Next bounded permissible investigation":"Published later opinions only if strictly needed; no docket/status query."},"coordinator_acceptance":"generic_component_reconciled_all_source_and_application_gaps_retained","coordinator_review":{"at":"2026-10-29T08:26:02.273332+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","finding_ids":[],"scope":"Retain exact original missingauthorities/facts and limits; source/branch reconciliation does not accept an actualproduct/notice/debt/change/rejection or parent."}},{"topic":"CV34","researcher_record":{"Coverage ID":"CV34","Assigned subquestion or major branch":"Actual delinquency predicate and new notice","Status and reason":"Answered","Claim / example links":"C050–C051; H005","Exact missing authority or facts":"Required minimum/due/receipt sequence unknown","Next bounded permissible investigation":"No individual delinquency decision."},"coordinator_acceptance":"generic_component_reconciled_all_source_and_application_gaps_retained","coordinator_review":{"at":"2026-10-29T08:26:02.273332+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","finding_ids":[],"scope":"Retain exact original missingauthorities/facts and limits; source/branch reconciliation does not accept an actualproduct/notice/debt/change/rejection or parent."}},{"topic":"CV35","researcher_record":{"Coverage ID":"CV35","Assigned subquestion or major branch":"Restoration after first six timely payments","Status and reason":"Answered","Claim / example links":"C052–C053; H009","Exact missing authority or facts":"First due date, sequence, amounts, cohorts unknown","Next bounded permissible investigation":"No individualized restoration date."},"coordinator_acceptance":"generic_component_reconciled_all_source_and_application_gaps_retained","coordinator_review":{"at":"2026-10-29T08:26:02.273332+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","finding_ids":[],"scope":"Retain exact original missingauthorities/facts and limits; source/branch reconciliation does not accept an actualproduct/notice/debt/change/rejection or parent."}},{"topic":"CV36","researcher_record":{"Coverage ID":"CV36","Assigned subquestion or major branch":"Workout authority and preserved repayment limits","Status and reason":"Answered","Claim / example links":"C054–C055; H006","Exact missing authority or facts":"Prior terms and completion/failure unknown","Next bounded permissible investigation":"No settlement/waiver analysis."},"coordinator_acceptance":"generic_component_reconciled_all_source_and_application_gaps_retained","coordinator_review":{"at":"2026-10-29T08:26:02.273332+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","finding_ids":[],"scope":"Retain exact original missingauthorities/facts and limits; source/branch reconciliation does not accept an actualproduct/notice/debt/change/rejection or parent."}},{"topic":"CV37","researcher_record":{"Coverage ID":"CV37","Assigned subquestion or major branch":"SCRA-related exception","Status and reason":"Answered at § 55 level; underlying currentness partial","Claim / example links":"C056; S024","Exact missing authority or facts":"2026 SCRA amendment audit and all eligibility facts held","Next bounded permissible investigation":"Read current public § 3937 and intervening amendments only if needed; no service-record query."},"coordinator_acceptance":"generic_component_reconciled_all_source_and_application_gaps_retained","coordinator_review":{"at":"2026-10-29T08:26:02.273332+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","finding_ids":[],"scope":"Retain exact original missingauthorities/facts and limits; source/branch reconciliation does not accept an actualproduct/notice/debt/change/rejection or parent."}},{"topic":"CV38","researcher_record":{"Coverage ID":"CV38","Assigned subquestion or major branch":"Unavailable-index exception","Status and reason":"Answered","Claim / example links":"C057","Exact missing authority or facts":"Actual availability/history/comparison unknown","Next bounded permissible investigation":"No replacement calculation."},"coordinator_acceptance":"generic_component_reconciled_all_source_and_application_gaps_retained","coordinator_review":{"at":"2026-10-29T08:26:02.273332+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","finding_ids":[],"scope":"Retain exact original missingauthorities/facts and limits; source/branch reconciliation does not accept an actualproduct/notice/debt/change/rejection or parent."}},{"topic":"CV39","researcher_record":{"Coverage ID":"CV39","Assigned subquestion or major branch":"LIBOR-specific route and 2023 amendments","Status and reason":"Answered, with example inconsistency flagged","Claim / example links":"C058–C060, C087; H012","Exact missing authority or facts":"Actual tenor/margin/comparison; example correction unresolved","Next bounded permissible investigation":"Published correction if material; broader LIBOR Act contract effects held."},"coordinator_acceptance":"generic_component_reconciled_all_source_and_application_gaps_retained","coordinator_review":{"at":"2026-10-29T08:26:02.273332+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","finding_ids":[],"scope":"Retain exact original missingauthorities/facts and limits; source/branch reconciliation does not accept an actualproduct/notice/debt/change/rejection or parent."}},{"topic":"CV40","researcher_record":{"Coverage ID":"CV40","Assigned subquestion or major branch":"Continuing application after closure/acquisition/transfer","Status and reason":"Answered narrowly","Claim / example links":"C061","Exact missing authority or facts":"Actual transfer/assignment facts held","Next bounded permissible investigation":"No chain-of-title or assignment investigation."},"coordinator_acceptance":"generic_component_reconciled_all_source_and_application_gaps_retained","coordinator_review":{"at":"2026-10-29T08:26:02.273332+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","finding_ids":[],"scope":"Retain exact original missingauthorities/facts and limits; source/branch reconciliation does not accept an actualproduct/notice/debt/change/rejection or parent."}},{"topic":"CV41","researcher_record":{"Coverage ID":"CV41","Assigned subquestion or major branch":"Promotional waiver/rebate","Status and reason":"Answered narrowly","Claim / example links":"C062","Exact missing authority or facts":"Actual promotion/charge classification unknown","Next bounded permissible investigation":"No general rewards or fee study."},"coordinator_acceptance":"generic_component_reconciled_all_source_and_application_gaps_retained","coordinator_review":{"at":"2026-10-29T08:26:02.273332+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","finding_ids":[],"scope":"Retain exact original missingauthorities/facts and limits; source/branch reconciliation does not accept an actualproduct/notice/debt/change/rejection or parent."}},{"topic":"CV42","researcher_record":{"Coverage ID":"CV42","Assigned subquestion or major branch":"Protected balance and repayment options","Status and reason":"Answered","Claim / example links":"C063–C065; H014","Exact missing authority or facts":"Balance base and formulas unknown","Next bounded permissible investigation":"No actual payment-plan or amount calculation."},"coordinator_acceptance":"generic_component_reconciled_all_source_and_application_gaps_retained","coordinator_review":{"at":"2026-10-29T08:26:02.273332+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","finding_ids":[],"scope":"Retain exact original missingauthorities/facts and limits; source/branch reconciliation does not accept an actualproduct/notice/debt/change/rejection or parent."}},{"topic":"CV43","researcher_record":{"Coverage ID":"CV43","Assigned subquestion or major branch":"Necessary first-year fee overlay","Status and reason":"Answered narrowly","Claim / example links":"C066","Exact missing authority or facts":"Actual fee set/limit unknown","Next bounded permissible investigation":"Penalty caps/reasonableness/underwriting remain excluded."},"coordinator_acceptance":"generic_component_reconciled_all_source_and_application_gaps_retained","coordinator_review":{"at":"2026-10-29T08:26:02.273332+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","finding_ids":[],"scope":"Retain exact original missingauthorities/facts and limits; source/branch reconciliation does not accept an actualproduct/notice/debt/change/rejection or parent."}},{"topic":"CV44","researcher_record":{"Coverage ID":"CV44","Assigned subquestion or major branch":"§ 59 restoration/review intersection","Status and reason":"Answered narrowly","Claim / example links":"C067; H009","Exact missing authority or facts":"Actual increase/review facts unknown","Next bounded permissible investigation":"No creditworthiness assessment."},"coordinator_acceptance":"generic_component_reconciled_all_source_and_application_gaps_retained","coordinator_review":{"at":"2026-10-29T08:26:02.273332+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","finding_ids":[],"scope":"Retain exact original missingauthorities/facts and limits; source/branch reconciliation does not accept an actualproduct/notice/debt/change/rejection or parent."}},{"topic":"CV45","researcher_record":{"Coverage ID":"CV45","Assigned subquestion or major branch":"Which changes can be rejected","Status and reason":"Answered","Claim / example links":"C068–C069; H001, H007","Exact missing authority or facts":"Actual change category unknown","Next bounded permissible investigation":"No assumption of extra contractual rights."},"coordinator_acceptance":"generic_component_reconciled_all_source_and_application_gaps_retained","coordinator_review":{"at":"2026-10-29T08:26:02.273332+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","finding_ids":[],"scope":"Retain exact original missingauthorities/facts and limits; source/branch reconciliation does not accept an actualproduct/notice/debt/change/rejection or parent."}},{"topic":"CV46","researcher_record":{"Coverage ID":"CV46","Assigned subquestion or major branch":"Rejection timing, channels, continued use","Status and reason":"Answered","Claim / example links":"C070–C071; H007","Exact missing authority or facts":"Notification and calendar facts unknown","Next bounded permissible investigation":"No personalized rejection deadline."},"coordinator_acceptance":"generic_component_reconciled_all_source_and_application_gaps_retained","coordinator_review":{"at":"2026-10-29T08:26:02.273332+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","finding_ids":[],"scope":"Retain exact original missingauthorities/facts and limits; source/branch reconciliation does not accept an actualproduct/notice/debt/change/rejection or parent."}},{"topic":"CV47","researcher_record":{"Coverage ID":"CV47","Assigned subquestion or major branch":"Rejection’s prohibited consequences","Status and reason":"Answered","Claim / example links":"C072, C074; H015","Exact missing authority or facts":"Causation and actual charges unknown","Next bounded permissible investigation":"No liability/remedy determination."},"coordinator_acceptance":"generic_component_reconciled_all_source_and_application_gaps_retained","coordinator_review":{"at":"2026-10-29T08:26:02.273332+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","finding_ids":[],"scope":"Retain exact original missingauthorities/facts and limits; source/branch reconciliation does not accept an actualproduct/notice/debt/change/rejection or parent."}},{"topic":"CV48","researcher_record":{"Coverage ID":"CV48","Assigned subquestion or major branch":"Closure, access, debt, repayment after rejection","Status and reason":"Answered","Claim / example links":"C073–C075; H007, H014","Exact missing authority or facts":"Closure date, relevant balance, lawful plan unknown","Next bounded permissible investigation":"No actual debt-validity or settlement decision."},"coordinator_acceptance":"generic_component_reconciled_all_source_and_application_gaps_retained","coordinator_review":{"at":"2026-10-29T08:26:02.273332+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","finding_ids":[],"scope":"Retain exact original missingauthorities/facts and limits; source/branch reconciliation does not accept an actualproduct/notice/debt/change/rejection or parent."}},{"topic":"CV49","researcher_record":{"Coverage ID":"CV49","Assigned subquestion or major branch":"Later delinquency exception to rejection","Status and reason":"Answered","Claim / example links":"C076","Exact missing authority or facts":"Qualifying later nonreceipt and second notice unknown","Next bounded permissible investigation":"No individual determination."},"coordinator_acceptance":"generic_component_reconciled_all_source_and_application_gaps_retained","coordinator_review":{"at":"2026-10-29T08:26:02.273332+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","finding_ids":[],"scope":"Retain exact original missingauthorities/facts and limits; source/branch reconciliation does not accept an actualproduct/notice/debt/change/rejection or parent."}},{"topic":"CV50","researcher_record":{"Coverage ID":"CV50","Assigned subquestion or major branch":"§ 56 separate opt-in, notice, confirmation","Status and reason":"Answered","Claim / example links":"C077–C079; H010","Exact missing authority or facts":"Consent and sending events unknown","Next bounded permissible investigation":"No account action or consent solicitation."},"coordinator_acceptance":"generic_component_reconciled_all_source_and_application_gaps_retained","coordinator_review":{"at":"2026-10-29T08:26:02.273332+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","finding_ids":[],"scope":"Retain exact original missingauthorities/facts and limits; source/branch reconciliation does not accept an actualproduct/notice/debt/change/rejection or parent."}},{"topic":"CV51","researcher_record":{"Coverage ID":"CV51","Assigned subquestion or major branch":"§ 56 revocation, joint consent, credit availability","Status and reason":"Answered","Claim / example links":"C080–C083","Exact missing authority or facts":"Actual joint-liability/consent facts unknown","Next bounded permissible investigation":"Guarantor/spouse analysis remains held."},"coordinator_acceptance":"generic_component_reconciled_bounded_corrections_and_all_missing_facts_held","coordinator_review":{"at":"2026-10-29T08:26:02.273332+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","finding_ids":["R005-P1-PINPOINT-001","R005-P1-PINPOINT-002","R005-P1-PINPOINT-MODAL-003"],"scope":"Retain exact original missingauthorities/facts and limits; source/branch reconciliation does not accept an actualproduct/notice/debt/change/rejection or parent."}},{"topic":"CV52","researcher_record":{"Coverage ID":"CV52","Assigned subquestion or major branch":"§ 56 fee-cycle and causation restrictions","Status and reason":"Answered","Claim / example links":"C084–C085; H010","Exact missing authority or facts":"Transactions/cycles/crediting unknown","Next bounded permissible investigation":"§ 52(b) dollar caps and reasonableness excluded."},"coordinator_acceptance":"generic_component_reconciled_all_source_and_application_gaps_retained","coordinator_review":{"at":"2026-10-29T08:26:02.273332+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","finding_ids":[],"scope":"Retain exact original missingauthorities/facts and limits; source/branch reconciliation does not accept an actualproduct/notice/debt/change/rejection or parent."}},{"topic":"CV53","researcher_record":{"Coverage ID":"CV53","Assigned subquestion or major branch":"Blank audit worksheet","Status and reason":"Delivered","Claim / example links":"Section 4; C089","Exact missing authority or facts":"All fact fields intentionally blank","Next bounded permissible investigation":"No records collection authorized by worksheet."},"coordinator_acceptance":"generic_component_reconciled_all_source_and_application_gaps_retained","coordinator_review":{"at":"2026-10-29T08:26:02.273332+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","finding_ids":[],"scope":"Retain exact original missingauthorities/facts and limits; source/branch reconciliation does not accept an actualproduct/notice/debt/change/rejection or parent."}},{"topic":"CV54","researcher_record":{"Coverage ID":"CV54","Assigned subquestion or major branch":"At least eight hypothetical failure branches","Status and reason":"Delivered: 15","Claim / example links":"H001–H015","Exact missing authority or facts":"Stipulations are abstract; no identifiers","Next bounded permissible investigation":"No factual scenarios converted into actual-account conclusions."},"coordinator_acceptance":"generic_component_reconciled_all_source_and_application_gaps_retained","coordinator_review":{"at":"2026-10-29T08:26:02.273332+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","finding_ids":[],"scope":"Retain exact original missingauthorities/facts and limits; source/branch reconciliation does not accept an actualproduct/notice/debt/change/rejection or parent."}},{"topic":"CV55","researcher_record":{"Coverage ID":"CV55","Assigned subquestion or major branch":"Source versions and status distinctions","Status and reason":"Partial with precise limits","Claim / example links":"C086–C088; source register","Exact missing authority or facts":"Official annual CFR/session-law lag; limited publication inconsistencies","Next bounded permissible investigation":"Narrow public amendment/correction checks only."},"coordinator_acceptance":"generic_component_reconciled_all_source_and_application_gaps_retained","coordinator_review":{"at":"2026-10-29T08:26:02.273332+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","finding_ids":[],"scope":"Retain exact original missingauthorities/facts and limits; source/branch reconciliation does not accept an actualproduct/notice/debt/change/rejection or parent."}},{"topic":"CV56","researcher_record":{"Coverage ID":"CV56","Assigned subquestion or major branch":"Guidance-withdrawal check","Status and reason":"Not triggered","Claim / example links":"Source register and read log","Exact missing authority or facts":"No circular, bulletin, or advisory used","Next bounded permissible investigation":"If one is later used, check official withdrawal register and publisher status then."},"coordinator_acceptance":"generic_component_reconciled_all_source_and_application_gaps_retained","coordinator_review":{"at":"2026-10-29T08:26:02.273332+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","finding_ids":[],"scope":"Retain exact original missingauthorities/facts and limits; source/branch reconciliation does not accept an actualproduct/notice/debt/change/rejection or parent."}},{"topic":"CV57","researcher_record":{"Coverage ID":"CV57","Assigned subquestion or major branch":"All other A005/parent dimensions","Status and reason":"Excluded by assignment","Claim / example links":"C090; Section 9","Exact missing authority or facts":"Authorities and facts intentionally not investigated","Next bounded permissible investigation":"Separate authorized component; no parent closure inferred."},"coordinator_acceptance":"retained_explicit_parent_hold","coordinator_review":{"at":"2026-10-29T08:26:02.273332+00:00","review":"[internal evidence reference]","source_checks":"[internal evidence reference]","finding_ids":[],"scope":"Retain exact original missingauthorities/facts and limits; source/branch reconciliation does not accept an actualproduct/notice/debt/change/rejection or parent."}}],"annotations":{},"corrections":[{"issue_id":"R005-P1-PINPOINT-001","finding":"","affected_claim_ids":[],"related_claim_ids":[],"validated_exact_raw_rows":[{"raw_table_index_zero_based":6,"raw_array_row_index_zero_based_including_header":4,"header_repeated_at_row_zero":true,"row_cells_sha256":"f60cdfbd4e76d7c0fff9e575a21f1550f80ce9fbf74ddded660273a0ea5916a7","verbatim_cells":["R005-P1-C080 — Revocation","Consent can be revoked at any time through the prescribed methods, and revocation must be implemented as soon as reasonably practicable.","Revocation does not automatically reverse prior fees or erase the limited treatment of previously authorized over-limit transactions described in the rule.","S008, § 56(f)–(g), OI. \nConsumer Financial Protection Bureau","L/OI; not a general rejection of an APR or all account terms."]}],"exact_original_cell_matches":[],"source_urls":["https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-G/section-1026.56","https://www.consumerfinance.gov/rules-policy/regulations/1026/56/"],"localization":"exact_native_row_or_cell_matches_available","public_status":"Recorded correction pending; working-paper assertion requires the stated repair or qualification."},{"issue_id":"R005-P1-PINPOINT-002","finding":"","affected_claim_ids":[],"related_claim_ids":[],"validated_exact_raw_rows":[{"raw_table_index_zero_based":6,"raw_array_row_index_zero_based_including_header":6,"header_repeated_at_row_zero":true,"row_cells_sha256":"4605be2b4566900cb6adc8b7ecc9bc00df882df00925c29a44ae3ecfb58a22d3","verbatim_cells":["R005-P1-C082 — Availability and conditioning","Opt-in does not require an issuer to approve an over-limit transaction, and the issuer cannot improperly condition credit access/limit on paid-over-limit consent.","§ 56(i) preserves discretion whether to pay; § 56(j)(3) and OI prohibit the described conditioning practices.","S008, § 56(i), (j)(3), OI 56(j)-4. \nConsumer Financial Protection Bureau\n+1","L/OI; no credit-access guarantee or eligibility decision."]}],"exact_original_cell_matches":[],"source_urls":["https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-G/section-1026.56","https://www.consumerfinance.gov/rules-policy/regulations/1026/56/"],"localization":"exact_native_row_or_cell_matches_available","public_status":"Recorded correction pending; working-paper assertion requires the stated repair or qualification."},{"issue_id":"R005-P1-PINPOINT-MODAL-003","finding":"","affected_claim_ids":[],"related_claim_ids":[],"validated_exact_raw_rows":[{"raw_table_index_zero_based":6,"raw_array_row_index_zero_based_including_header":7,"header_repeated_at_row_zero":true,"row_cells_sha256":"1b7d0859ccbb0002a24dd99245e7e17282034ef326f918fa18e6cac9f6ad02be","verbatim_cells":["R005-P1-C083 — Joint consent","The joint-account consent rule differs from an authorized user’s action.","The issuer may treat affirmative consent by one jointly liable consumer as applying to all; revocation by one jointly liable consumer applies to all. A nonliable authorized user is not interchangeable.","S008, § 56(h), OI. \nConsumer Financial Protection Bureau","L/OI; no actual joint-liability determination."]}],"exact_original_cell_matches":[],"source_urls":["https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-G/section-1026.56","https://www.consumerfinance.gov/rules-policy/regulations/1026/56/"],"localization":"exact_native_row_or_cell_matches_available","public_status":"Recorded correction pending; working-paper assertion requires the stated repair or qualification."}],"resolved_corrections":[],"review_history":[{"id":"R005-P1-REVIEW-SCOPE","status":"scoped_delegated_coordinator_review_complete_three_bounded_UNSENT_corrections_retained_holds","at":null},{"id":"R005-P1-SOURCE-ACCESS-CURRENTNESS-HOLD","status":"open_original_and_new_failed_unread_version_pixel_and_judicial_limits_retained","at":null},{"id":"R005-P1-PUBLICATION-DISCREPANCY-HOLD","status":"open_preserve_existing_workout_and_LIBOR_inconsistencies","at":null},{"id":"R005-P1-CHANGE-REJECTION-APPLICATION-HOLD","status":"open_actualproduct_contract_notice_predicates_consents_cohorts_clocks_and_all_parent_dimensions","at":null}]}