{"meta":{"key":"r008--pass-01","task":"R008","title":"First focused A008 component: U.S. federal mortgage delinquency, first foreclosure notice or filing, and loss-mitigation timing","parent_title":"Urgency and competing deadlines","edition":"pass-01","path":"/research/r008--pass-01/","kind":"split_pass","category":"subject","role":"primary_area","area_numbers":[8],"groups":["foundations"],"date":"2026-10-27","tables":14,"claims":81,"sources":22,"review_status":"scoped_coordinator_federal_mortgage_timing_review_complete_existing_publication_discrepancy_and_all_source_State_calendar_application_parent_holds","review_complete":true,"sha256":"a08951f107eeefda4906a76dc6dec869474e920d79028cba1fd03d6ac3ae5db5","headings":["First focused A008 component: U.S. federal mortgage delinquency, first foreclosure notice or filing, and loss-mitigation timing","Research boundary and actual check date","1. Source register","Reading and version conventions","Currentness conclusion and remaining audit limits","2. Atomic claim register: operative findings and boundaries","A. Version and authority classification","B. Coverage, definitions, products, and actors","C. Authority, early intervention, and modified duties","D. Applications, completeness, evaluation, and notices","E. Offers and appeals","F. First notice or filing and later foreclosure restrictions","G. Repeat applications, small servicers, and servicing-transfer applications","3. Generic urgency matrix","Matrix conventions","4. Clearly hypothetical qualitative failure branches","5. Blank generic document-audit worksheet","6. Granular coverage and question → claim/source crosswalk","7. Read and failure log","8. Self-check and preserved parent holds","Self-check — not independent review","Specific holds that remain in force"],"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":"R008/pass-01","facets":{"geography":["us","us-federal"],"debt_type":["mortgage"],"stage":["late","foreclosure"],"subject":["foreclosure-repossession"]},"scope":"SettleADebt R008 PASS-01 — FIRST FOCUSED A008 COMPONENT: US FEDERAL MORTGAGE DELINQUENCY, FIRST FORECLOSURE NOTICE/FILING AND LOSS-MITIGATION TIMING INTERACTIONS. Research generic rules only, no actual borrower/loan/property/provider/case-record/docket query, determination, application or filing. Keep every operative scope, exception, calendar and evidence predicate visible. This request independently reads its own necessary authorities and does not use unreviewed R006/R005/R003 or any other library output as a foundation.","pending_corrections":0},"markdown":"# SettleADebt R008 PASS-01\n\n## First focused A008 component: U.S. federal mortgage delinquency, first foreclosure notice or filing, and loss-mitigation timing\n\n**The operative rules create several distinct servicer duties and foreclosure restrictions. They do not create one universal “mortgage pause.”** Coverage, delinquency, application receipt and completeness, the first foreclosure notice or filing, the scheduled sale, prior applications, and servicing transfers must be evaluated separately.\n\nThree threshold distinctions are especially consequential:\n\n- The initial application acknowledgment provision uses **45 days or more before a foreclosure sale**.\n- The ordinary complete-application evaluation and post-filing foreclosure restriction use **more than 37 days before a foreclosure sale**.\n- The appeal and longer offer-response provisions include **90 days or more**, while an application received during the period specified in § 1024.41(f) can independently qualify for an appeal. A particular servicing-transfer provision can preserve specified protections when completion occurs **37 or fewer days before sale**. [govinfo.gov+1](https://www.govinfo.gov/content/pkg/CFR-2026-title12-vol8/pdf/CFR-2026-title12-vol8-sec1024-41.pdf?utm_source=chatgpt.com)\n\n**A material publication discrepancy was found.** The effective 2025 rescission, the published January 1, 2026 CFR text, and the eCFR remove several 2021 provisions that the CFPB’s pages labeled “current regulation” still display. The findings below use the operative codified text and the actual amendatory rule, with the discrepancy recorded rather than silently combining versions. [govinfo.gov+4](https://www.govinfo.gov/content/pkg/CFR-2026-title12-vol8/pdf/CFR-2026-title12-vol8-sec1024-39.pdf?utm_source=chatgpt.com)\n\n### Research boundary and actual check date\n\nThis investigation used fresh public-primary-source reading in this conversation. No R006, R005, R003, other Library output, prior report, or other chat supplied a foundation. No subagents, browser control, local files, record searches, identifier entries, contacts, filings, purchases, account changes, or publication actions were used.\n\nThe actual check date was **October 27, 2026, America/Los_Angeles**. The session clock was checked at **21:27:48 UTC and 21:39:42 UTC**, corresponding to **2:27:48 p.m. and 2:39:42 p.m. PDT**. This is an access date, not an enactment or effective date. The visible model-picker selection or subscription tier was not independently verified; no claim of an unseen UI selection is made.\n\nNo borrower, loan, property, servicer, owner, successor, bankruptcy, foreclosure, court, or docket facts were investigated. All examples below are expressly stipulated, qualitative rule illustrations.\n\n## 1. Source register\n\n### Reading and version conventions\n\n- **Fresh** means the identified body text was read during this pass. Reopening it within this pass is not reliance on an earlier research output.\n- **HTML** has no printed page or PDF index. Where a Federal Register HTML rendering supplies printed-page markers, those are identified.\n- **PDF index** is zero-based.\n- **Parsed PDF text is not a pixel review.** The only PDF page visually inspected as an image was the 2025 rescission’s **printed page 20792, PDF index 1**. Other PDF reading was parsed text.\n- Sources S003–S008 are portions of the same Regulation X framework. Agency mirrors, annual CFR text, and eCFR presentations of the same provision are **not independent corroborating authorities**.\n- The eCFR displayed Title 12 as current through **October 23, 2026**, and expressly described itself as authoritative but unofficial. The annual CFR excerpts are the **January 1, 2026 edition**. Neither label closes the complete intervening Federal Register, correction, litigation, or session-law audit described below.\n\n| Source ID | Issuer, title, jurisdiction | Complete literal HTTPS URL(s) | Exact substantive read bounds; printed page / PDF index | Version, effective predicate, actual check, and limits |\n| --- | --- | --- | --- | --- |\n| **R008-P1-S001** | U.S. House, Office of the Law Revision Counsel; **12 U.S.C. §§ 2602, 2605**, RESPA; U.S. federal | [https://uscode.house.gov/us/usc/119-121/t12/s2602/](https://uscode.house.gov/us/usc/119-121/t12/s2602/?utm_source=chatgpt.com) ; [https://uscode.house.gov/us/usc/119-121/t12/s2605/](https://uscode.house.gov/us/usc/119-121/t12/s2605/?utm_source=chatgpt.com) ; fallback representation: [https://www.govinfo.gov/link/uscode/12/2605](https://www.govinfo.gov/link/uscode/12/2605?utm_source=chatgpt.com) | § 2602(1), relevant source/editorial notes; § 2605(f), (i), (j)(3), (k)(1), relevant source notes. Transfer and other adjacent text appearing in returned windows was not used to rerun transfer-notice or error-resolution research. House: HTML. GovInfo fallback: selected § 2605(f), (i)–(k), printed pp. 1449–1450 / indices 2–3. | **Fresh, 2026-10-27.** House label: laws in effect through **Pub. L. 119-121, October 9, 2026**. The fallback PDF’s edition was not established and is not the currentness foundation. No complete session-law audit through October 27. [uscode.house.gov+1](https://uscode.house.gov/us/usc/119-121/t12/s2605/?utm_source=chatgpt.com) |\n| **R008-P1-S002** | U.S. House OLRC; **15 U.S.C. § 1692c**, FDCPA § 805; U.S. federal | [https://uscode.house.gov/us/usc/119-121/t15/s1692c/](https://uscode.house.gov/us/usc/119-121/t15/s1692c/?utm_source=chatgpt.com) | Necessary § 1692c(c) notification, receipt, and exceptions; surrounding section read. HTML; pages/index N/A. | **Fresh, 2026-10-27.** Same October 9, 2026 compilation predicate. Used only for the cease-communication interaction; no general FDCPA coverage or dispute investigation. [uscode.house.gov](https://uscode.house.gov/us/usc/119-121/t15/s1692c/?utm_source=chatgpt.com) |\n| **R008-P1-S003** | CFPB regulation, published by OFR/GPO through eCFR; **12 CFR §§ 1024.2, 1024.5**; U.S. federal | [https://www.ecfr.gov/current/title-12/chapter-X/part-1024/subpart-A/section-1024.2](https://www.ecfr.gov/current/title-12/chapter-X/part-1024/subpart-A/section-1024.2?utm_source=chatgpt.com) ; [https://www.ecfr.gov/current/title-12/chapter-X/part-1024/subpart-A/section-1024.5](https://www.ecfr.gov/current/title-12/chapter-X/part-1024/subpart-A/section-1024.5?utm_source=chatgpt.com) | § 1024.2(a), relevant definitions of business day, federally related mortgage loan, servicer, servicing, State, and associated scope terms; § 1024.5(a)–(d). HTML. | **Fresh, 2026-10-27; eCFR through 2026-10-23.** Selected definitions, not every unrelated settlement definition. No individual product classification. [ecfr.gov+1](https://www.ecfr.gov/current/title-12/chapter-X/part-1024/subpart-A/section-1024.2?utm_source=chatgpt.com) |\n| **R008-P1-S004** | CFPB/OFR/GPO; **12 CFR §§ 1024.30–1024.32**; U.S. federal | [https://www.ecfr.gov/current/title-12/chapter-X/part-1024/subpart-C/section-1024.30](https://www.ecfr.gov/current/title-12/chapter-X/part-1024/subpart-C/section-1024.30?utm_source=chatgpt.com) ; [https://www.ecfr.gov/current/title-12/chapter-X/part-1024/subpart-C/section-1024.31](https://www.ecfr.gov/current/title-12/chapter-X/part-1024/subpart-C/section-1024.31?utm_source=chatgpt.com) ; [https://www.ecfr.gov/current/title-12/chapter-X/part-1024/subpart-C/section-1024.32](https://www.ecfr.gov/current/title-12/chapter-X/part-1024/subpart-C/section-1024.32?utm_source=chatgpt.com) | Complete operative scope, definitions, and disclosure/successor provisions in these three sections. HTML. | **Fresh, 2026-10-27; eCFR through 2026-10-23.** Successor amendments’ effective-date predicate addressed in S014. The removed COVID-hardship definition was not imported from the stale agency mirror. [ecfr.gov+2](https://www.ecfr.gov/current/title-12/chapter-X/part-1024/subpart-C/section-1024.30?utm_source=chatgpt.com) |\n| **R008-P1-S005** | CFPB/OFR/GPO; **12 CFR § 1024.39, Early intervention requirements**; U.S. federal | [https://www.ecfr.gov/current/title-12/chapter-X/part-1024/subpart-C/section-1024.39](https://www.ecfr.gov/current/title-12/chapter-X/part-1024/subpart-C/section-1024.39?utm_source=chatgpt.com) ; [https://www.govinfo.gov/content/pkg/CFR-2026-title12-vol8/pdf/CFR-2026-title12-vol8-sec1024-39.pdf](https://www.govinfo.gov/content/pkg/CFR-2026-title12-vol8/pdf/CFR-2026-title12-vol8-sec1024-39.pdf?utm_source=chatgpt.com) | Complete current § 1024.39(a)–(d). Annual CFR: printed **718–719 / indices 0–1**, operative section through amendment credit. | **Fresh, 2026-10-27.** eCFR through October 23; annual edition January 1, 2026. § 1024.39(e) is absent from these operative versions. PDF text read; pixels not inspected. [ecfr.gov+1](https://www.ecfr.gov/current/title-12/chapter-X/part-1024/subpart-C/section-1024.39?utm_source=chatgpt.com) |\n| **R008-P1-S006** | CFPB/OFR/GPO; **12 CFR § 1024.41, Loss mitigation procedures**; U.S. federal | [https://www.ecfr.gov/current/title-12/chapter-X/part-1024/subpart-C/section-1024.41](https://www.ecfr.gov/current/title-12/chapter-X/part-1024/subpart-C/section-1024.41) ; [https://www.govinfo.gov/content/pkg/CFR-2026-title12-vol8/pdf/CFR-2026-title12-vol8-sec1024-41.pdf](https://www.govinfo.gov/content/pkg/CFR-2026-title12-vol8/pdf/CFR-2026-title12-vol8-sec1024-41.pdf?utm_source=chatgpt.com) | Complete operative § 1024.41(a)–(k) in eCFR; annual CFR body compared across printed **720–727 / indices 0–7**. Adjacent settlement-form text on the last PDF page was not used. | **Fresh, 2026-10-27.** eCFR through October 23; annual edition January 1, 2026. Retains (c)(2)(v); omits former (c)(2)(vi) and (f)(3). PDF comparison was text, not pixels. [ecfr.gov+4](https://www.ecfr.gov/current/title-12/chapter-X/part-1024/section-1024.41?utm_source=chatgpt.com) |\n| **R008-P1-S007** | CFPB/OFR/GPO; **Supplement I to Part 1024, Official Bureau Interpretations**; U.S. federal | [https://www.ecfr.gov/current/title-12/chapter-X/part-1024/appendix-Supplement%20I%20to%20Part%201024](https://www.ecfr.gov/current/title-12/chapter-X/part-1024/appendix-Supplement%20I%20to%20Part%201024?utm_source=chatgpt.com) | Comment 5(c)(1)-1; necessary comments to §§ 30–32; § 38 successor, evaluation, counsel, and transfer comments; complete relevant § 39 and § 41 commentary, including **41(f)-1.i–iv**, **41(g)-1–5**, **41(i)-1–2**, and **41(k)** branches. HTML. | **Fresh, 2026-10-27; eCFR through 2026-10-23.** These are codified official interpretations, distinguished from statutory text and freestanding guidance. Unrelated escrow/insurance commentary in overlapping returned windows was not a foundation. [ecfr.gov+6](https://www.ecfr.gov/current/title-12/chapter-X/part-1024/appendix-Supplement%20I%20to%20Part%201024?utm_source=chatgpt.com) |\n| **R008-P1-S008** | CFPB/OFR/GPO; necessary adjacent **12 CFR §§ 1024.38, 1024.40**; U.S. federal | [https://www.ecfr.gov/current/title-12/chapter-X/part-1024/subpart-C/section-1024.38](https://www.ecfr.gov/current/title-12/chapter-X/part-1024/subpart-C/section-1024.38?utm_source=chatgpt.com) ; [https://www.ecfr.gov/current/title-12/chapter-X/part-1024/subpart-C/section-1024.40](https://www.ecfr.gov/current/title-12/chapter-X/part-1024/subpart-C/section-1024.40?utm_source=chatgpt.com) | § 38(a), (b)(1)(vi), (b)(2)–(4); § 40(a)–(b), only as needed for successor confirmation, investor requirements, transfer information, and the contact referenced in § 39. HTML. | **Fresh, 2026-10-27; eCFR through 2026-10-23.** No separate records-access, error-resolution, or private-enforcement conclusion. [ecfr.gov+1](https://www.ecfr.gov/current/title-12/chapter-X/part-1024/subpart-C/section-1024.38?utm_source=chatgpt.com) |\n| **R008-P1-S009** | CFPB/OFR/GPO; **12 CFR § 1026.41(e)(4)** and official interpretation; U.S. federal | [https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-E/section-1026.41](https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-E/section-1026.41?utm_source=chatgpt.com) ; [https://www.consumerfinance.gov/rules-policy/regulations/1026/interp-41/](https://www.consumerfinance.gov/rules-policy/regulations/1026/interp-41/?utm_source=chatgpt.com) | § 41(a)(1), complete (e)(4); comments **41(e)(4)(ii)-1–4** and **(iii)-1–5**. HTML. | **Fresh, 2026-10-27.** eCFR through October 23; agency commentary displayed current version, but a complete independent Regulation Z amendment history was not audited. Other periodic-statement exemptions were not imported into Regulation X. [ecfr.gov+2](https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-E/section-1026.41?utm_source=chatgpt.com) |\n| **R008-P1-S010** | CFPB/OFR/GPO; cross-referenced Regulation Z scope definitions; U.S. federal | [https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-A/section-1026.3](https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-A/section-1026.3?utm_source=chatgpt.com) ; [https://www.consumerfinance.gov/rules-policy/regulations/1026/interp-3/](https://www.consumerfinance.gov/rules-policy/regulations/1026/interp-3/?utm_source=chatgpt.com) ; [https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-E/section-1026.33](https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-E/section-1026.33?utm_source=chatgpt.com) ; [https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-E/section-1026.36](https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-E/section-1026.36?utm_source=chatgpt.com) | § 3(a)(1), comments 3(a)-1, -3–6, -8 as relevant to purpose; § 33(a) reverse-mortgage definition; § 36(a)(5) seller-financer criteria. HTML. | **Fresh, 2026-10-27.** Current eCFR display through October 23; agency commentary current-label limitation retained. No ability-to-repay, origination, or seller-financer determination. [ecfr.gov+3](https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-A/section-1026.3?utm_source=chatgpt.com) |\n| **R008-P1-S011** | Farm Credit Administration/OFR/GPO; **12 CFR § 617.7000**; U.S. federal | [https://www.ecfr.gov/current/title-12/chapter-VI/subchapter-B/part-617/subpart-A/section-617.7000](https://www.ecfr.gov/current/title-12/chapter-VI/subchapter-B/part-617/subpart-A/section-617.7000?utm_source=chatgpt.com) | Necessary “loan” and “qualified lender” definitions, read with comment 30(b)-1. HTML. | **Fresh, 2026-10-27; eCFR through October 23.** Loan-specific nexus retained; no institution roster or status query. [ecfr.gov](https://www.ecfr.gov/current/title-12/chapter-VI/subchapter-B/part-617/subpart-A/section-617.7000?utm_source=chatgpt.com) |\n| **R008-P1-S012** | HUD/OFR/GPO; **24 CFR § 266.5**; U.S. federal | [https://www.ecfr.gov/current/title-24/subtitle-B/chapter-II/subchapter-B/part-266/subpart-A/section-266.5](https://www.ecfr.gov/current/title-24/subtitle-B/chapter-II/subchapter-B/part-266/subpart-A/section-266.5?utm_source=chatgpt.com) | “Housing finance agency or HFA” definition. HTML. | **Fresh, 2026-10-27.** Title 24 displayed through October 23, last amended August 20, 2026; that title-wide date is not a claim that this definition changed then. [ecfr.gov](https://www.ecfr.gov/current/title-24/subtitle-B/chapter-II/subchapter-B/part-266/subpart-A/section-266.5?utm_source=chatgpt.com) |\n| **R008-P1-S013** | CFPB, Federal Register; **Mortgage Servicing Rules Under RESPA (Regulation X)**; U.S. federal | [https://www.govinfo.gov/content/pkg/FR-2013-02-14/pdf/2013-01248.pdf](https://www.govinfo.gov/content/pkg/FR-2013-02-14/pdf/2013-01248.pdf?utm_source=chatgpt.com) | Title, action, and DATES on printed **10696 / index 0**. | **Fresh selected historical read, 2026-10-27.** Published February 14, 2013; final rule effective **January 10, 2014**. Not a claim to have read the entire 204-page rule or every intervening amendment. [govinfo.gov](https://www.govinfo.gov/content/pkg/FR-2013-02-14/pdf/2013-01248.pdf?utm_source=chatgpt.com) |\n| **R008-P1-S014** | CFPB, Federal Register; **2016 amendments to the 2013 mortgage rules under RESPA and TILA**; U.S. federal | [https://www.govinfo.gov/content/pkg/FR-2016-10-19/pdf/2016-18901.pdf](https://www.govinfo.gov/content/pkg/FR-2016-10-19/pdf/2016-18901.pdf?utm_source=chatgpt.com) | Title/DATES, printed **72160 / index 0**; effective-date discussion, printed **72349–72350 / indices 189–190**, especially identification of successor provisions. | **Fresh selected historical read, 2026-10-27.** Generally effective **October 19, 2017**; identified successor provisions effective **April 19, 2018**. Regulation Z bankruptcy-statement provisions also had the later date; this does not shift § 1024.39’s bankruptcy duties to that date. Full 242-page history not audited. [govinfo.gov+1](https://www.govinfo.gov/content/pkg/FR-2016-10-19/pdf/2016-18901.pdf?utm_source=chatgpt.com) |\n| **R008-P1-S015** | CFPB, Federal Register; **Mortgage Servicing Rules Under RESPA (Regulation X)**, 2017 notice-frequency amendment; U.S. federal | [https://www.federalregister.gov/documents/2017/10/16/2017-21912/mortgage-servicing-rules-under-the-real-estate-settlement-procedures-act-regulation-x](https://www.federalregister.gov/documents/2017/10/16/2017-21912/mortgage-servicing-rules-under-the-real-estate-settlement-procedures-act-regulation-x) | Action/DATES; operative revision of § 39(d)(3)(iii); selected explanation. Printed **47953** header and **47957–47958** amendatory text; HTML, PDF index N/A. | **Fresh, 2026-10-27.** Interim final rule published October 16, 2017, effective **October 19, 2017**; supplies the 190-day modified-notice branch. [federalregister.gov+1](https://www.federalregister.gov/citation/82-FR-47957?utm_source=chatgpt.com) |\n| **R008-P1-S016** | CFPB, Federal Register; **Treatment of Certain COVID-19 Related Loss Mitigation Options Under RESPA (Regulation X)**; U.S. federal | [https://www.federalregister.gov/documents/2020/06/30/2020-13853/treatment-of-certain-covid-19-related-loss-mitigation-options-under-the-real-estate-settlement](https://www.federalregister.gov/documents/2020/06/30/2020-13853/treatment-of-certain-covid-19-related-loss-mitigation-options-under-the-real-estate-settlement) | Header/DATES and actual addition of § 41(c)(2)(v), revision of (c)(2)(i). Printed **39055** header, **39065** amendatory material; HTML, PDF index N/A. | **Fresh, 2026-10-27.** Interim final rule published June 30, 2020, effective **July 1, 2020**. Historical wording is not substituted for the 2025-revised current text. [federalregister.gov+1](https://www.federalregister.gov/citation/85-FR-39065?utm_source=chatgpt.com) |\n| **R008-P1-S017** | CFPB, Federal Register; **Protections for Borrowers Affected by the COVID-19 Emergency Under RESPA, Regulation X; Rescission**; U.S. federal | [https://www.govinfo.gov/content/pkg/FR-2025-05-16/pdf/2025-08643.pdf](https://www.govinfo.gov/content/pkg/FR-2025-05-16/pdf/2025-08643.pdf?utm_source=chatgpt.com) | CFPB header/DATES; operative instructions and replacement text for §§ 31, 39, 41 and Supplement I. CFPB material printed **20791–20795 / indices 0–4**; unrelated material sharing first/last pages excluded. **Pixels inspected only at 20792 / index 1**. | **Fresh, 2026-10-27.** Published **May 16, 2025**; **interim final rule effective July 15, 2025**. Its request for comments did not make it merely proposed. Selected preamble plus necessary operative amendments read; no full litigation-status audit. [govinfo.gov+3](https://www.govinfo.gov/content/pkg/FR-2025-05-16/pdf/2025-08643.pdf?utm_source=chatgpt.com) |\n| **R008-P1-S018** | CFPB, Federal Register and agency status page; **Streamlining Mortgage Servicing for Borrowers Experiencing Payment Difficulties (Regulation X)**; U.S. federal | [https://www.govinfo.gov/content/pkg/FR-2024-07-24/pdf/2024-15475.pdf](https://www.govinfo.gov/content/pkg/FR-2024-07-24/pdf/2024-15475.pdf?utm_source=chatgpt.com) ; [https://www.consumerfinance.gov/rules-policy/rules-under-development/](https://www.consumerfinance.gov/rules-policy/rules-under-development/?utm_source=chatgpt.com) | Proposal title/action/comment dates, printed **60204 / index 0**; agency “rules under development” entry and page status. | **Fresh limited status read, 2026-10-27.** Published **July 24, 2024 as a proposed rule**; comments due September 9, 2024. Agency page still classified it as proposed and showed October 13, 2026 modification. No final replacement effective date established. Proposal body not used as operative law. [govinfo.gov+1](https://www.govinfo.gov/content/pkg/FR-2024-07-24/pdf/2024-15475.pdf?utm_source=chatgpt.com) |\n| **R008-P1-S019** | CFPB regulation-page mirrors; §§ 1024.31, .39, .41; U.S. federal publisher | [https://www.consumerfinance.gov/rules-policy/regulations/1024/31/](https://www.consumerfinance.gov/rules-policy/regulations/1024/31/?utm_source=chatgpt.com) ; [https://www.consumerfinance.gov/rules-policy/regulations/1024/39/](https://www.consumerfinance.gov/rules-policy/regulations/1024/39/?utm_source=chatgpt.com) ; [https://www.consumerfinance.gov/rules-policy/regulations/1024/41/](https://www.consumerfinance.gov/rules-policy/regulations/1024/41/?utm_source=chatgpt.com) | Displayed current-version labels and the conflicting COVID-hardship definition, § 39(e), § 41(c)(2)(vi), § 41(f)(3), with embedded related comments. HTML. | **Fresh discrepancy comparison, 2026-10-27.** These passages were not accepted as operative replacements for S005–S007/S017. Publisher “current” labels did not resolve the conflict. [Consumer Financial Protection Bureau+4](https://www.consumerfinance.gov/rules-policy/regulations/1024/31/?utm_source=chatgpt.com) |\n| **R008-P1-S020** | CFPB; **Withdrawn Guidance** register; U.S. federal publisher status | [https://www.consumerfinance.gov/compliance/guidance/withdrawn-guidance/](https://www.consumerfinance.gov/compliance/guidance/withdrawn-guidance/?utm_source=chatgpt.com) | Register body and modification label, including the withdrawn 2017 early-compliance policy. HTML. | **Fresh status read, 2026-10-27.** Page displayed July 22, 2026 modification. No freestanding circular, bulletin, advisory, or supervisory manual is an operative foundation here. Register withdrawal does not itself repeal a statute or amend codified text. Underlying withdrawn guidance was not used. [Consumer Financial Protection Bureau+2](https://www.consumerfinance.gov/compliance/guidance/withdrawn-guidance/?utm_source=chatgpt.com) |\n| **R008-P1-S021** | Attempted House OLRC preliminary § 2605 endpoint; U.S. federal | [https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title12-section2605&num=0&edition=prelim](https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title12-section2605&num=0&edition=prelim) | **Failed body retrieval: 404.** No operative text read from this endpoint. | **Failure, 2026-10-27.** Recovered through S001’s version-specific House page. Failure is not evidence that no rule exists. |\n| **R008-P1-S022** | Attempted CFPB guidance-register path; U.S. federal | [https://www.consumerfinance.gov/rules-policy/withdrawn-guidance/](https://www.consumerfinance.gov/rules-policy/withdrawn-guidance/) | **Failed body retrieval.** No register body read at this path. | **Failure, 2026-10-27.** Recovered through S020’s correct compliance/guidance path. |\n\n### Currentness conclusion and remaining audit limits\n\nThe working legal text is the **operative text actually retrieved**, including the July 15, 2025 rescission, the January 1, 2026 published CFR excerpts, and the eCFR display through October 23, 2026. The 2024 streamlining proposal is not used to replace that framework.\n\nThe following remain expressly **unclosed**:\n\n1. A complete Federal Register/correction audit for **October 24–27, 2026**, and a complete amendment-by-amendment reconciliation of the annual edition to the access date.\n2. A complete session-law lag audit after the House’s **October 9, 2026** compilation predicate.\n3. A complete historical audit of every 2013 technical amendment and 2017 correction.\n4. Any judicial stay, vacatur, or later-history determination concerning these rules. No opinion was necessary to state the regulatory branches, and no case record or docket-status inquiry was made.\n5. The interpretive significance of the 2025 deletion of the § 1024.31 definition of “COVID-19-related hardship” while that phrase remains in § 1024.41(c)(2)(v). The retained exception is reported as written; the deleted definition is not silently reinstated.\n\nThese are source/version limits, not findings that a later amendment, stay, or contrary rule exists.\n\n## 2. Atomic claim register: operative findings and boundaries\n\n**Status key:** **T** = statutory text; **R** = regulation in the retrieved operative version; **O** = codified official interpretation; **V** = publication/version observation; **I** = expressly identified inference; **U** = unresolved source or factual application.\n\nAll claims remain subject to the currentness limits above. Source IDs refer to the complete URLs and read bounds in the source register.\n\n### A. Version and authority classification\n\n| Claim ID | Area and precise claim | Trigger, conditions, exceptions, and limits | Source pinpoint; status |\n| --- | --- | --- | --- |\n| **R008-P1-C001** | The sources have different currency predicates. | October 27 access does not convert the eCFR’s October 23 currency label, the January 1 annual edition, or the House’s October 9 compilation label into a completed through-access-date legal audit. | S001, S004–S006; **V/U**. |\n| **R008-P1-C002** | The July 15, 2025 rescission removes the § 31 COVID-hardship definition, § 39(e), § 41(c)(2)(vi), § 41(f)(3), and associated 2021 commentary. | The old special foreclosure safeguards and special COVID contact provisions are historical/deleted, even where an agency mirror still displays them. The old § 39(e) and § 41(f)(3) also contained their own earlier temporal limits. | S017, amendatory instructions 2–5; S005–S007; **R/V**. |\n| **R008-P1-C003** | Section 41(c)(2)(v) remains in the operative text. | This is the narrow deferral-option exception detailed in C048, not the deleted (c)(2)(vi) modification exception. The remaining phrase “COVID-19-related hardship” is not newly defined here by importing the deleted § 31 definition. | S006 § 41(c)(2)(v); S017 instruction 4; **R/U**. |\n| **R008-P1-C004** | The retrieved 2024 streamlining document is proposed, not an operative replacement. | No final effective replacement was established in this pass. A regulatory-agenda target or agency page update would not itself amend the rule. | S018 action/DATES and status entry; **V/U**. |\n| **R008-P1-C005** | No withdrawn freestanding guidance supplies an operative premise. | Codified official interpretations are identified separately. The withdrawn-guidance register was checked; no assumption is made that withdrawal of guidance repeals RESPA or deletes CFR text. | S007, S020; **V/I**. |\n| **R008-P1-C006** | Relevant implementation dates differ. | Original 2013 rule: January 10, 2014. Most relevant 2016 amendments: October 19, 2017. Identified successor provisions: April 19, 2018. Modified FDCPA notice amendment: October 19, 2017. Original retained COVID-deferral exception: July 1, 2020, later revised in 2025. Historical application requires its own version analysis. | S013–S017, DATES; S014 Part VI; **R/V**. |\n\n### B. Coverage, definitions, products, and actors\n\n| Claim ID | Area and precise claim | Trigger, conditions, exceptions, and limits | Source pinpoint; status |\n| --- | --- | --- | --- |\n| **R008-P1-C007** | A federally related mortgage loan requires the statutory/regulatory collateral and nexus predicates. | Generally a first or subordinate lien on qualifying residential **real property**, including the specified one-to-four-family, condominium/cooperative, construction-placement, and manufactured-home branches. The real property must be in a “State” as defined, which includes specified U.S. territories. Personal-property-only collateral is not automatically within this definition. | S001 § 2602(1); S003 § 2(b), “Federally related mortgage loan” (1), (3), “State”; **T/R**. |\n| **R008-P1-C008** | The federal nexus has alternatives; federal insurance is not the only route. | Routes include federally regulated/insured lenders; federal making, insurance, guarantee, supplementation or assistance; intended sale to listed federal mortgage entities; the specified TILA creditor making/investing in residential real-estate loans aggregating **more than $1 million annually**, excluding State agencies/instrumentalities for that creditor route; dealer/broker and qualifying reverse-mortgage branches. Installment/land/contract-for-deed arrangements require the stated qualifying funding nexus. | S003 § 2(b), definition (1)(ii)(A)–(F), (2); S001 § 2602(1)(B); **T/R**. |\n| **R008-P1-C009** | Primarily business, commercial, or agricultural credit is excluded under § 5(b)(2). | Residence collateral alone does not answer purpose. The incorporated Regulation Z interpretation uses purpose factors and rental-property rules: non-owner-occupied rental credit is deemed business; expected occupancy **more than 14 days** prevents that particular classification. For owner-occupied rental property, acquisition of **more than two units**, or improvement/maintenance of **more than four**, has specified business treatment; smaller properties still require the applicable purpose analysis. | S003 § 5(b)(2); S010 § 3(a)(1), comments 3(a)-1, -3–5, -8; **R/O**. |\n| **R008-P1-C010** | Temporary financing has a qualified exclusion, not an unconditional construction-loan exclusion. | Same-lender permanent/convertible financing, financing transfer to the first user, a permanent-financing commitment, and qualifying construction terms of **two years or more** can remove the temporary-financing exclusion; the latter has a bona fide builder qualification. Bridge/swing loans described in § 5(b)(3) are excluded. | S003 § 5(b)(3); **R**. |\n| **R008-P1-C011** | Vacant-land financing has an express construction/placement exception. | The exclusion does not apply where, within **two years from settlement**, the proceeds will construct a structure or place a manufactured home on the real property; the secured-property qualification remains. This origination-scope rule differs from later vacancy of a principal residence. | S003 § 5(b)(4); **R**. |\n| **R008-P1-C012** | Transaction exclusions must not be converted into blanket extinction of servicing duties. | § 5(b)(5): assumptions without an express lender approval right are excluded; assumptions requiring and obtaining approval are covered. § 5(b)(6): conversions consistent with the original instrument without a new note are excluded. § 5(b)(7): bona fide secondary-market transactions are excluded **except for § 2605 and Subpart C**. Section 5(d)’s listed partial disclosure exemptions do not list §§ 39 or 41. | S003 § 5(b)(5)–(7), (d); **R/I**. |\n| **R008-P1-C013** | The specific §§ 39–41 scope is narrower than all federally related mortgage loans. | Section 31 excludes open-end home-equity lines from “mortgage loan.” Section 30(b) excludes reverse mortgages and qualifying Farm Credit loans from §§ 38–41; small servicers have the separate C071 residual duties. Sections 39–41 apply only to a loan secured by the borrower’s **principal residence**. Vacancy does not necessarily end principal-residence status; facts and applicable State law matter. | S004 §§ 30(b), (c)(2), 31; S007 comments 30(b)-1, 30(c)(2)-1; S010 § 33(a); S011; **R/O/U**. |\n| **R008-P1-C014** | “Servicer” concerns responsibility for servicing, including an owner/originator that actually services. | Section 2605(i)(2) and § 2(b) contain specified agency exceptions. The regulation separately addresses FDIC assets/receivership and NCUA assets/conservatorship/liquidation, and listed FNMA, Freddie Mac, FDIC, HUD/GNMA/FHA, NCUA, Farm Service Agency and VA circumstances following specified termination-for-cause, **servicer** bankruptcy, or supervisory proceedings. These are not a general exemption for every government-related loan or private servicer. “Servicing” generally includes receipt and application/disbursement of scheduled payments. | S001 § 2605(i)(2)–(3); S003 § 2(b), “Servicer,” “Servicing”; **T/R**. |\n| **R008-P1-C015** | Ordinary small-servicer status requires both a count and an ownership/origination connection. | Under § 1026.41(e)(4)(ii)(A), the servicer and affiliates service **5,000 or fewer** counted loans, and each is owned or originated by the servicer or an affiliate. Holding servicing rights alone does not satisfy ownership/origination. A subservicer gets the exemption only if both it and the master servicer qualify. | S009 § 41(e)(4)(ii)(A); comments 41(e)(4)(ii)-1–3; **R/O**. |\n| **R008-P1-C016** | HFA and specified nonprofit status are alternative small-servicer routes. | The HFA route incorporates the public-body/agency/instrumentality definition in 24 CFR 266.5 and does not state the ordinary 5,000-loan cap. The nonprofit route requires the specified IRS § 501(c)(3) ruling/determination, **5,000 or fewer** serviced loans, including associated-nonprofit servicing, and origination by it or an associated nonprofit; association requires the specified common name/mark and charitable-purpose agreement. Mere ownership is insufficient for that nonprofit route. | S009 § 41(e)(4)(ii)(B)–(C), comment -4; S012 HFA definition; **R/O**. |\n| **R008-P1-C017** | Small-servicer counting and transition rules have their own predicates. | Count closed-end consumer dwelling-secured transactions, not only principal-residence loans within this component. Evaluate January 1 and the remainder of the year; loss of qualification allows **six months or until next January 1, whichever is later**, to comply with formerly exempt requirements. Exclusions include uncompensated voluntary nonaffiliate servicing, reverse mortgages, timeshares, and servicing for a seller financer satisfying **all** § 36(a)(5) criteria: natural person/estate/trust; one owned and securing property in 12 months; no ordinary-course construction; no negative amortization; fixed rate or adjustment only after at least five years with the stated reasonable limits and index conditions. | S009 § 41(e)(4)(iii) and comments; S010 § 36(a)(5); **R/O**. |\n| **R008-P1-C018** | A qualifying successor is defined through five transfer categories; not every occupant or transferee is automatically a borrower. | Categories: devise/descent/operation of law on death of a joint tenant or tenant by the entirety; relative’s transfer resulting from borrower death; spouse/children becoming owners; specified divorce/separation/property-settlement transfer to a spouse; qualifying inter vivos trust with borrower remaining beneficiary and no occupancy-right transfer. Confirmation requires servicer confirmation of identity and ownership. Section 31 does not supply a universal free-standing definition making every interested person a “borrower.” | S004 § 31, “Successor in interest,” “Confirmed successor in interest”; **R/U**. |\n| **R008-P1-C019** | A confirmed successor is treated as a borrower without requiring assumption of the debt. | Section 30(d) and its comments preserve the principal-residence and other procedural predicates. This regulatory treatment does not itself decide contractual liability, title, or State-law assumption. The servicer may not require assumption merely to recognize this borrower status. | S004 § 30(d); S007 comments 30(d)-1–3; **R/O**. |\n| **R008-P1-C020** | A potential successor’s application has a distinct confirmation-date branch. | The servicer may evaluate before confirmation. If it elects not to, it must preserve the application/documents and, upon confirmation, treat receipt as occurring on the confirmation date, subject to remaining scope conditions; stale documents must be identified under the applicable acknowledgment rule. A preconfirmation review counts for the repeat-review exception only with full compliance and no different result attributable to confirmation. Confirmation policies must be prompt and must not unreasonably interfere with loss mitigation. | S007 comment 41(b)-1; comments 38(b)(1)(vi)-1–5; S008 § 38(b)(1)(vi); **R/O**. |\n| **R008-P1-C021** | The optional successor acknowledgment procedure can suspend specified communications, including § 39, without suspending § 41. | It applies to a confirmed successor not personally liable only if the servicer supplies the compliant notice and separate acknowledgment: confirmation, nonliability/qualified lien explanation, notices, request/understanding acknowledgment, **no return deadline**, and specified remaining rights. Until acknowledgment or assumption, the listed communication duties are excepted. Section 41 is not listed. Duplicate § 39 contact/disclosure may also be unnecessary when provided to another borrower as specified. | S004 § 32(c)(1)–(4); S007 § 32(c) comments; **R/O/I**. |\n| **R008-P1-C022** | In Subpart C, “day” means calendar day unless the particular provision expressly excludes days. | Delinquency begins when a periodic amount sufficient for principal, interest and applicable escrow becomes due and unpaid, and lasts until no periodic payment is due and unpaid. A late-fee grace period does not postpone that starting predicate. | S004 § 31; S007 “Delinquency”-1; **R/O**. |\n| **R008-P1-C023** | Payment application can change the delinquency starting date. | Applying a later payment to the oldest unpaid periodic payment advances the relevant date. A servicer choosing a payment tolerance cannot treat the same billing-cycle shortfall as nondelinquent for one Subpart C section while treating it as delinquent for another. Contractual acceleration is not generally barred by these provisions; its validity and accounting are held. | S007 “Delinquency”-2–4; **O/U**. |\n| **R008-P1-C024** | A loss-mitigation application can be oral and can arise before a formal package is complete. | A request plus information required for evaluation can be an application, including qualifying prequalification requests and authorized-agent submissions. A bare request for general information, without evaluative information, is not necessarily an application. **Application** and **complete application** remain different triggers. | S004 § 31; S007 “Loss mitigation application”-1, comments 41(b)(1)-2–3; **R/O**. |\n| **R008-P1-C025** | “Available” options are those available through the servicer from the relevant owner/assignee. | An option may be available to apply for even if the applicant ultimately fails its criteria. Another investor’s options serviced on the same platform are not automatically available. Pilot, geography, participation and other applicable program conditions remain relevant. | S004 § 31; S007 “Loss mitigation option”-1–2; comments 41(c)(1)-1–3; **R/O**. |\n\n### C. Authority, early intervention, and modified duties\n\n| Claim ID | Area and precise claim | Trigger, conditions, exceptions, and limits | Source pinpoint; status |\n| --- | --- | --- | --- |\n| **R008-P1-C026** | RESPA supplies rulemaking authority; § 41 expressly references an enforcement route but guarantees no particular option. | Section 2605(j)(3), (k)(1)(E) support regulatory servicing obligations. Section 41(a) references § 2605(f), but does not require a modification or other specific option and does not create an investor-contract enforcement right. Section 2605(f)’s causation, pattern/practice, court, successful-action, and correction/nonliability conditions are not automatic awards. No private cause under every adjacent section, standing, injunction, or individual remedy is determined. | S001 § 2605(f), (j)(3), (k)(1)(E); S006 § 41(a); **T/R/U**. |\n| **R008-P1-C027** | Ordinary live-contact duty arises by the 36th delinquency day and repeats by reference to subsequent payment due dates. | The servicer must establish, or make good-faith efforts to establish, live contact **no later than day 36**, and again no later than **36 days after each payment due date** while delinquency continues. After actual live contact, information about available loss mitigation must be supplied promptly if appropriate. | S005 § 39(a); **R**. |\n| **R008-P1-C028** | Live contact and good-faith efforts are not identical. | Telephone or in-person conversation qualifies; a recorded message is not itself live contact. Borrower-initiated contact or an authorized representative can qualify. Good-faith efforts are circumstances-dependent, without a universal call-count rule. A payment curing the relevant delinquency before the 36-day period ends can remove that contact trigger. | S007 comments 39(a)-1.iv, -2–5; **O**. |\n| **R008-P1-C029** | Ordinary written notice uses a 45-day trigger and a distinct 180-day repeat rule. | Notice is due by **day 45**, and by 45 days after each due date while delinquent, but is **not required more than once in 180 days**. If at least 45 days delinquent at the end of that interval, another notice is due no later than **180 days after the prior notice**; if less than 45 days delinquent then, use 45 days after the payment due date for which delinquency remains. | S005 § 39(b)(1); S007 comments 39(b)(1)-1–4; **R/O**. |\n| **R008-P1-C030** | The ordinary written notice has specified minimum content, not a guarantee of approval or an application deadline. | It encourages contact; supplies the assigned-personnel telephone number and mailing address; gives applicable examples of options and application instructions or how to obtain them; and supplies the specified CFPB/HUD counseling-list website and HUD telephone information. It must satisfy § 32’s clear, conspicuous, retainable writing requirements. Models are optional. Section 40(a) separately requires reasonably designed assignment/contact policies by the written notice and no later than delinquency day 45. | S005 § 39(b)(2)–(3); S004 § 32(a); S008 § 40(a); S007 § 39(b)(2) comments; **R/O**. |\n| **R008-P1-C031** | Certain ongoing loss-mitigation circumstances satisfy or alter § 39 duties without rewriting every delinquency rule. | Ongoing § 41 contact or the specified no-options determination can satisfy § 39(a); a new delinquency after cure requires resumed compliance. Performing an agreed option designed to cure prior missed payments is treated as nondelinquent **for § 39**. Oral loss-mitigation information does not by itself replace the written notice. | S007 comments 39(a)-1.ii, -6; 39(b)(1)-4; **O**. |\n| **R008-P1-C032** | Section 39 has narrow transfer interactions independently read here. | A transferee generally cannot rely on a predecessor’s preceding 180-day notice interval, subject to the notice given within 45 days of transfer qualification. Separately, during the specified 60-day transfer period, documented timely payments misdirected to the old servicer can mean no delinquency **for § 39**. These are not a transfer-notice audit or a universal suspension of payment/application duties. | S007 comments 39(b)(1)-5; 39(a)-1.iii; **O**. |\n| **R008-P1-C033** | Bankruptcy creates partial early-intervention exemptions at the loan level. | While **any borrower** is a debtor in bankruptcy, § 39(a) live contact is excepted. Written notice is also excepted if no option is available or the qualifying FDCPA cease-communication condition applies. “Available” does not mean already proven eligible. | S005 § 39(c)(1)(i)–(ii); S007 comments 39(c)(1)-1 and (ii)-1–2; **R/O**. |\n| **R008-P1-C034** | If the bankruptcy written-notice exemption does not apply, the modified notice has a separate clock and content restriction. | Already delinquent at petition: by **45 days after filing the petition**. Later delinquency: by its **45th day**. This applies despite a notice in the preceding 180 days. No payment request; not required more than once in the same bankruptcy case. Applicable bankruptcy law or court orders may require adaptation. | S005 § 39(c)(1)(iii); S007 comments 39(c)-1–2, 39(c)(1)(iii)-1, 39(c)(2)-1; **R/O**. |\n| **R008-P1-C035** | Resumption after bankruptcy has specified events and a discharge qualification. | Ordinarily resume after the next payment due date following the earliest dismissal, closure, or reaffirmation. Following the specified discharge of personal liability, live contact need not resume; written notice must resume if any partial or periodic payment was made after commencement. Reopening does not automatically require a second notice for the same case. Actual discharge, orders, and stay effects are held. | S005 § 39(c)(2); S007 comment 39(c)(2)-1; **R/O/U**. |\n| **R008-P1-C036** | The FDCPA partial exemption requires applicability to the servicer with respect to the particular loan and a qualifying notification. | Section 805(c) concerns written refusal-to-pay or cease-communication notification; mailed notification is complete upon receipt. Section 39(d) then exempts live contact, and exempts written notice if no option is available or any borrower is in bankruptcy. An ordinary application, payment dispute, or preference for email is not assumed to meet this trigger. | S002 § 1692c(c); S005 § 39(d)(1)–(2); **T/R/U**. |\n| **R008-P1-C037** | The FDCPA modified written notice uses a prohibition on repetition and a 190-day outer branch. | Where notice remains required, include the specified may/intends-to-foreclose statement and no payment request. It is **prohibited more than once in 180 days**. If at least 45 days delinquent at interval end, repeat by day **190 after the prior notice**; otherwise by the **later** of 45 days after the relevant unpaid due date or that day 190. Comment 39(d)-2 permits the required modified notice and borrower-initiated loss-mitigation assistance under § 805(c), while preserving other FDCPA restrictions. | S005 § 39(d)(3); S015; S007 comments 39(d)-1–2; **R/O**. |\n| **R008-P1-C038** | An early-intervention exception is not automatically a loss-mitigation or foreclosure exception. | The bankruptcy, FDCPA, and successor-acknowledgment provisions identify particular communication duties. Their existence does not itself eliminate otherwise applicable § 41 protections. Independent § 30 scope exclusions, small-servicer treatment, and other laws must still be examined. | S004 § 32(c); S005 § 39(c)–(d); S006; **I**, from the provisions’ distinct scope. |\n\n### D. Applications, completeness, evaluation, and notices\n\n| Claim ID | Area and precise claim | Trigger, conditions, exceptions, and limits | Source pinpoint; status |\n| --- | --- | --- | --- |\n| **R008-P1-C039** | Completeness turns on actual receipt of all information required **from the borrower**, with reasonable diligence by the servicer. | The servicer must promptly seek missing information and consider material already transferred. It cannot stop collecting for remaining available options solely because the borrower prefers another option; confirmed ineligibility under applicable criteria can end collection for a particular option. Missing information outside borrower control does not itself make the borrower’s application incomplete. | S006 § 41(b)(1); S007 comments 41(b)(1)-1, -4–5; **R/O**. |\n| **R008-P1-C040** | Initial receipt at least 45 days before sale triggers prompt review and a five-day acknowledgment. | At **45 days or more**, promptly review completeness and provide written acknowledgment within **five days excluding legal public holidays, Saturdays and Sundays**. State complete/incomplete; if incomplete, identify missing documents/information and the reasonable date. Include the statement about considering other servicers of loans secured by the same property. No scheduled sale is treated as satisfying this 45-day gate. | S006 § 41(b)(2)(i); S007 comment 41(b)(2)(i)-1; **R/O**. |\n| **R008-P1-C041** | The disclosed completion date must be reasonable, with milestone constraints and a seven-day minimum. | Thirty days after providing the acknowledgment is generally reasonable, subject to the earliest relevant document-staleness date, delinquency day 120, 90 days before sale, or 38 days before sale. The reasonable date must **never be less than seven days after provision of the notice**. This is not an unconditional 30-day borrower entitlement or a universal foreclosure pause through the disclosed date. | S006 § 41(b)(2)(ii); S007 comments 41(b)(2)(ii)-1–3; transfer qualification in 41(k)(2)(ii)-3; **R/O/I**. |\n| **R008-P1-C042** | Sale-distance protections use a receipt-date snapshot. | Determine sale-distance protection as of receipt of the complete application. If no sale is then scheduled, treat it as received **more than 90 days before sale**. Protections that attached remain after later scheduling/rescheduling. A postponement is not assumed to retroactively cure an originally late submission; any new qualifying receipt or other rule requires separate analysis. | S006 § 41(b)(3); S007 comments 41(b)(3)-1–2; last sentence **I/U**. |\n| **R008-P1-C043** | A complete application received more than 37 days before sale ordinarily triggers evaluation and determination within 30 calendar days. | Evaluate all available options and provide a written determination, including applicable acceptance/rejection period and modification-appeal right, time and requirements. The external-information exception in (c)(4)(ii) and transfer provisions must be checked. Exactly 37 days does not meet this ordinary gate. | S006 § 41(c)(1); **R**. |\n| **R008-P1-C044** | Incomplete-application offers cannot be used to evade complete-application evaluation. | The operative exceptions are (c)(2)(ii), (iii), and (v). The interpretation separately permits offers without an application or without evaluating information supplied with an incomplete application; that is not permission to disregard duties already triggered by a qualifying application. | S006 § 41(c)(2)(i); S007 comments 41(c)(2)(i)-1–2; **R/O/I**. |\n| **R008-P1-C045** | A significantly stalled incomplete application may be evaluated at the servicer’s discretion under a specific exception. | The servicer must have exercised reasonable diligence; incompleteness must persist for a significant period under the circumstances without further borrower progress. The resulting evaluation/offer is not a complete-application review for the repeat-review limitation. “Significant” is contextual, not a universal fixed waiting period. | S006 § 41(c)(2)(ii); S007 comment 41(c)(2)(ii)-1; **R/O**. |\n| **R008-P1-C046** | Short-term forbearance and repayment exceptions have different definitions. | Forbearance covers payments due over **no more than six months**, regardless of the later makeup period. A short-term repayment plan addresses **no more than three months of past-due payments**, repaid over **no more than six months**. These numerical limits identify this exception, not all possible programs. | S007 comments 41(c)(2)(iii)-1, -4; S006 § 41(c)(2)(iii); **R/O**. |\n| **R008-P1-C047** | A qualifying short-term offer based on an incomplete application creates notice and performance protections. | Unless rejected, promptly provide written payment terms/duration, incomplete-application basis, possible other options, and ability to complete an application regardless of acceptance. “Promptly” generally means within **five excluded-days** after offering. While the agreed program/plan is being performed, no first notice/filing, motion for judgment/order of sale, or sale. Other applicable application duties continue; diligence can be suspended in the limited compliant/no-further-assistance circumstance, with the prescribed resumption and pre-end contact. | S006 § 41(c)(2)(iii); S007 comments 41(c)(2)(iii)-2–3, -5–6; 41(b)(1)-4.iii; **R/O**. |\n| **R008-P1-C048** | Retained § 41(c)(2)(v) permits a specified COVID-related deferral option based on incomplete information only if all conditions hold. | Covered amounts can be delayed until refinancing, property sale, the existing loan term’s end, or FHA insurance termination as specified; covered amounts include the stated COVID-related forborne/due-unpaid principal and interest. Deferred amounts bear no interest; no option fee; existing late charges, penalties, stop-payment and similar charges are promptly waived on acceptance; acceptance ends pre-existing delinquency. Only then does (B) relieve (b)(1)–(2) duties for applications preceding that offer. No program availability or hardship eligibility is determined. | S006 § 41(c)(2)(v)(A)(1)–(3), (B); C003’s definition gap; **R/U**. |\n| **R008-P1-C049** | Facially complete applications receive specified protective treatment, not one universal completion date for every purpose. | Facial completeness arises when all listed missing material is submitted, no more material is requested in the acknowledgment, or the complete-application notice becomes required. Later-discovered missing/corrected material must be requested promptly; treat the application as complete for **(f)(2) and (g)** during a reasonable opportunity to cure. Timely completion relates back for **(d), (e), (f)(2), (g), (h)**, but **(c)** uses actual completion. Failure to complete within the reasonable opportunity leaves it incomplete. | S006 § 41(c)(2)(iv); S007 comments 41(c)(2)(iv)-1–2; **R/O**. |\n| **R008-P1-C050** | The complete-application notice is a separate five-excluded-day duty, with express exceptions. | It states completeness, actual receipt date, expected 30-day evaluation, applicable pre-/post-first-filing protection, potential later information requests/reasonable opportunity/consequences, and possible additional law. Exceptions: prior complete acknowledgment without later correction request; application neither complete nor facially complete more than 37 days before sale; or already-provided determination. Recompletion generally requires a new notice unless an exception applies. | S006 § 41(c)(3)(i)–(ii); S007 comments 41(c)(3)(i)-1–3; **R/O**. |\n| **R008-P1-C051** | Information outside borrower control requires servicer diligence, including information within the servicer’s own control. | The servicer must request it promptly and, to the extent practicable, in time for the 30-day evaluation. It must complete all possible evaluation steps within that period. Its own missing work is not automatically a third-party-delay exception. | S006 § 41(c)(4)(i); S007 comments 41(c)(4)(i)-1, 41(c)(4)(ii)-1; **R/O**. |\n| **R008-P1-C052** | True third-party delay has a notice and continuing-effort branch. | If information from a party **other than the borrower or servicer** prevents determination within 30 days, provide the specified delay notice within that period or promptly afterward: missing specific information, request made, and prompt completion when received. Heighten efforts after 30 days; do not issue the final determination before receipt except under C053. Promptly determine once received. | S006 § 41(c)(4)(ii)(B)–(C); S007 comment 41(c)(4)(i)-2; **R/O**. |\n| **R008-P1-C053** | Denial solely for unavailable outside information is ordinarily prohibited; the exception is narrow. | Reasonable diligence; a **significant period after the 30-day period**; information from neither borrower nor servicer; and applicable owner/assignee requirements making determination impossible without it are required. The servicer may then deny with the prescribed determination and copy of the delay notice. Denial is permitted, not compelled; no fixed “significant period” is invented. | S006 § 41(c)(4)(ii)(A); S007 comment 41(c)(4)(ii)-2; **R/O**. |\n| **R008-P1-C054** | A modification-denial notice must give the actual specific reasons for each denied trial or permanent modification option. | Identify the investor/guarantor and specific requirement when that is the basis; generic “investor restriction” is insufficient. For an NPV denial disclose calculation inputs. Waterfall treatment has its specified explanation allowance. Disclose criteria actually causing denial and, where applicable, that other criteria were not evaluated. Offering another option does not erase a modification denial. | S006 § 41(d); S007 comments 41(d)-1–4; **R/O**. |\n\n### E. Offers and appeals\n\n| Claim ID | Area and precise claim | Trigger, conditions, exceptions, and limits | Source pinpoint; status |\n| --- | --- | --- | --- |\n| **R008-P1-C055** | The ordinary offer-response periods constrain how soon the servicer may demand a response. | Complete receipt **90 days or more** before sale: no earlier than **14 calendar days after providing the offer**. Complete receipt **less than 90 but more than 37 days** before sale: no earlier than **seven calendar days**. These are minimum permitted periods, not proof of the actual offer’s expiry. | S006 § 41(e)(1); **R**. |\n| **R008-P1-C056** | Nonacceptance may be deemed rejection, subject to specified qualifications. | The actual deadline must comply with (e)(1). Timely submission of trial-plan payments requires a reasonable extra period to complete remaining acceptance requirements. A qualifying appeal has the separate extension in C060. | S006 § 41(e)(2)(i)–(ii); **R**. |\n| **R008-P1-C057** | Appeal eligibility concerns trial/permanent modification denials and has two alternative timing routes. | Complete application received **90 days or more before sale**, **or during the period set forth in (f)**. It is not a universal appeal for every option denial. An application received after first filing with only 38–89 days remaining does not qualify through the 90-day route merely because the >37-day evaluation gate is met. | S006 § 41(h)(1); **R/I**. |\n| **R008-P1-C058** | The appeal provision supplies a 14-day making window; it does not itself universally say the appeal must be written. | Section (h)(2) requires permitting an appeal within **14 days after the servicer provides the offer pursuant to (c)(1)(ii)**. The determination must disclose applicable appeal requirements. Do not replace “provides,” “makes,” or the disclosed requirements with an invented mailing/receipt presumption. The exact appeal method and deadline in any actual notice remain unknown. | S006 §§ 41(c)(1)(ii), (h)(2); **R/U**. |\n| **R008-P1-C059** | Appeal review requires different personnel and a timely determination notice. | A supervisor may review if not directly involved in the original evaluation. Within **30 calendar days of the borrower making the appeal**, provide the determination and applicable response period. Acceptance cannot be required earlier than **14 days after provision of that notice**. No further appeal is required under this paragraph. The notice is subject to § 32’s writing rule. | S006 § 41(h)(3)–(4); S007 comment 41(h)(3)-1; S004 § 32(a); **R/O**. |\n| **R008-P1-C060** | A qualifying appeal extends the acceptance period for the offered loss-mitigation option. | The acceptance deadline is extended until **14 days after the (h)(4) notice is provided**. This does not itself extend an unrelated court-response, assistance-program, or other contractual deadline. | S006 § 41(e)(2)(iii), (h)(4); **R/I**. |\n\n### F. First notice or filing and later foreclosure restrictions\n\n| Claim ID | Area and precise claim | Trigger, conditions, exceptions, and limits | Source pinpoint; status |\n| --- | --- | --- | --- |\n| **R008-P1-C061** | The ordinary first-notice/filing restriction uses **more than 120 days delinquent**. | Section (f)(1) also permits the threshold exception where foreclosure is based on a due-on-sale violation, or the servicer is joining a superior/subordinate lienholder’s foreclosure. These are exceptions to (f)(1), not automatic exceptions to every other protection. No current general abandoned-property exception appears in (f)(1). | S006 § 41(f)(1)(i)–(iii); S017 deletion of (f)(3); **R/I**. |\n| **R008-P1-C062** | Identifying the first notice or filing requires the applicable State foreclosure procedure. | Judicial: earliest required court/judicial-body filing commencing the proceeding. Nonjudicial with recording/publication: earliest required recorded/published initiating document. Neither court filing nor recording/publication: earliest document setting/scheduling sale. A private borrower letter is not first solely because it later becomes an attachment. No actual State or document was classified. | S007 comment **41(f)-1.i–iv**; **O/U**. |\n| **R008-P1-C063** | A complete application before first notice/filing creates an additional restriction under (f)(2). | Receipt during the preforeclosure review period **or before first notice/filing** prevents that initiating act until a listed release condition is met. Merely exceeding 120 days does not eliminate this additional restriction. The post-filing >37-day formulation must not be mechanically substituted for this clause. | S006 § 41(f)(2); **R/I**. |\n| **R008-P1-C064** | The release conditions in (f)(2) and (g) are alternatives with distinct evidence predicates. | **First:** a compliant no-available-option determination, plus appeal inapplicability, expired unused appeal opportunity, or denied appeal. **Second:** rejection of **all** offered options. **Third:** failure to perform an agreed option. One denial, one rejected offer, or a conclusory “review closed” label does not prove the applicable condition. Short-sale marketing/listing performance and approved-sale qualifications also matter. | S006 §§ 41(f)(2)(i)–(iii), (g)(1)–(3); S007 comments 41(g)(3)-1–2; **R/O/I**. |\n| **R008-P1-C065** | After first notice/filing, a complete application received more than 37 days before sale restricts specified later acts. | Until a C064 release condition is met, the servicer may not move for foreclosure judgment or order of sale, or conduct the sale. Receipt after first filing can therefore still matter; it does not undo the already-made first filing. | S006 § 41(g); **R/I**. |\n| **R008-P1-C066** | The later-act restriction includes dispositive motions and requires action through counsel when necessary. | Default, pleadings, and summary-judgment motions can qualify. For a previously pending motion, the interpretation requires reasonable steps to avoid a ruling/order during protected review; it does not promise the steps will succeed. The servicer must promptly instruct counsel and cannot avoid its duty because counsel failed to act. A sale can violate (g) even if someone else administers it. | S007 comments 41(g)-1, -3, -5; S008 § 38(b)(3); **O**. |\n| **R008-P1-C067** | Section 41(g) does not stop every step in a foreclosure proceeding. | Publication, arbitration, mediation and other steps may continue if they do not cause or directly result in a prohibited judgment/order/sale. The rule does not determine State answer/service deadlines, sale validity, court jurisdiction, redemption, standing, or an automatic injunction. Those are uninvestigated, independent questions. | S007 comment 41(g)-2; S006 § 41(a), (g); **O/I/U**. |\n| **R008-P1-C068** | A post-filing application with 37 or fewer days remaining does not ordinarily receive the >37-day procedural protection merely because it was submitted. | The specific transfer exception C076 must be checked, as must previously attached/facial protections. Section 38(b)(2)(v) separately requires policies implementing applicable owner/assignee evaluation requirements, including potentially late applications. No actual State or investor requirement is supplied here. | S006 §§ 41(c)(1), (g), (k)(2)(ii)(B); S007 comment 41(g)-4 and 38(b)(2)(v)-1; **R/O/U**. |\n\n### G. Repeat applications, small servicers, and servicing-transfer applications\n\n| Claim ID | Area and precise claim | Trigger, conditions, exceptions, and limits | Source pinpoint; status |\n| --- | --- | --- | --- |\n| **R008-P1-C069** | The duplicative-application exception is not a lifetime one-application rule. | The **same servicer** must previously have fully complied for a **complete** application, and delinquency must have continued at all times since it was submitted. Cure followed by a new delinquency requires renewed applicable compliance. A discretionary incomplete review is not enough. | S006 § 41(i), (c)(2)(ii); S007 comment 41(i)-1; **R/O**. |\n| **R008-P1-C070** | Changed facts and a different servicer require separate treatment. | Changed financial circumstances alone do not expressly reset § 41(i)’s continuous-delinquency exception. Applicable investor requirements may nevertheless require reevaluation through § 38 policies. A transferee is a different servicer and cannot simply invoke the predecessor’s completed review as its own § 41(i) exception. | S007 comments 38(b)(2)(v)-1, 41(i)-2; S008 § 38(b)(2)(v); **O/I**. |\n| **R008-P1-C071** | A qualifying small servicer retains important foreclosure restrictions. | It remains subject to **(f)(1)**. It also cannot make first notice/filing, move for judgment/order of sale, or sell while the borrower performs an agreed loss-mitigation option. It is otherwise exempt from the full § 41 procedures through § 30(b)(1); a complete application alone does not import all ordinary evaluation/appeal duties. | S004 § 30(b)(1); S006 § 41(j); **R**. |\n| **R008-P1-C072** | Pending applications generally carry across a servicing transfer with their existing rights and clocks. | Pending means subject to § 41 and not fully resolved; a fully denied application with expired appeal opportunity may not be pending. Except for (k)(2)–(4), use the predecessor’s receipt-based timeframes. Rights under (c)–(h) continue. If the predecessor was not subject to § 41 for the application, the interpretation supplies a transfer-date receipt rule for (b) and (c). | S006 § 41(k)(1)(i); S007 comments 41(k)-1, 41(k)(1)(i)-1; **R/O**. |\n| **R008-P1-C073** | The application-transfer date and document receipt dates must be distinguished. | For (k), transfer date is when the new servicer begins accepting payments as disclosed under § 33(b)(4)(iv); it is not necessarily the first-payment-due date or servicing-sale date. Documents received by the predecessor, including after transfer, must be transferred/obtained and can preserve their receipt date for (c)–(h). Already-provided notices need not be duplicated. | S006 § 41(k)(1)(ii); S007 comments 41(k)(1)(i)-1–3, 41(k)(1)(ii)-1; S008 § 38(b)(4); **R/O**. |\n| **R008-P1-C074** | A transfer during an unexpired, unperformed acknowledgment period produces a ten-excluded-day acknowledgment clock. | Both predicates matter: the original acknowledgment period has not expired at transfer, and the old servicer has not supplied the notice. The new servicer then provides it within **10 days excluding legal public holidays, Saturdays and Sundays, from transfer**. This is not the clock for every transferred application. | S006 § 41(k)(2)(i); **R**. |\n| **R008-P1-C075** | That particular transfer-acknowledgment branch protects the disclosed reasonable-date interval. | The transferee cannot make first notice/filing until **after** the disclosed reasonable date, notwithstanding (f)(1). Completion on or before that date is treated as completion during the preforeclosure period for (f)(2). Existing protections, including a later applicable 120-day threshold, are not removed. | S006 § 41(k)(2)(ii)(A); S007 comments 41(k)(2)(ii)-1–3; **R/O**. |\n| **R008-P1-C076** | The same transfer branch can override the ordinary >37-day gate for specified provisions. | If completion reaches either servicer **37 or fewer days before sale but on or before the disclosed reasonable date**, the transferee must comply with **(c), (d), and (g)**. This provision does not itself give every such application a new appeal right or erase an already-existing right. | S006 § 41(k)(2)(ii)(B); S007 comment 41(k)(2)(ii)-2; **R/O**. |\n| **R008-P1-C077** | A complete application pending at transfer has a specified new evaluation deadline. | The transferee must comply with applicable **(c)(1) and (c)(4) within 30 calendar days of transfer**. That clock does not reset the application’s protective receipt date or authorize prohibited foreclosure acts. | S006 § 41(k)(3), (k)(1); **R/I**. |\n| **R008-P1-C078** | Changes in completion criteria on transfer do not simply erase the old completion status. | Complete under the old criteria but incomplete under the new criteria: preserve facial completeness from the original complete/facial date, request needed material, and apply the facial-completeness rules. Incomplete under old criteria but complete under new: treat as pending complete at transfer for the 30-day transfer clock; (c)–(h) use the predecessor’s receipt of the completing material, and the notice identifies that date. | S007 comments 41(k)(1)(i)-2, 41(k)(3)-1–2; S006 § 41(c)(2)(iv); **O/R**. |\n| **R008-P1-C079** | A transferee able to decide a pending or timely post-transfer appeal has a later-of deadline. | Determine the appeal and provide the (h)(4) notice within **30 days after transfer or 30 days after the borrower made the appeal, whichever is later**. An appeal sent to the predecessor after transfer must be transferred/obtained under the applicable policies. | S006 § 41(k)(4), (i); S007 comment 41(k)(4)-1; **R/O**. |\n| **R008-P1-C080** | A transferee unable to decide the appeal must treat it as a pending complete application. | Evaluate all options available through the transferee. For **(c) or (k)(3)**, completion is the first receipt of the appeal by either servicer. For **(e)–(h)**, preserve the original facial/complete date with the predecessor. The interpretation identifies missing records or an unavailable predecessor program as possible reasons for inability, not automatic dismissal of the appeal. | S006 § 41(k)(4)(ii); S007 comment 41(k)(4)-2; **R/O**. |\n| **R008-P1-C081** | Transfer preserves an unexpired offer-response period rather than creating an automatic new full period. | The transferee must permit acceptance/rejection during the **unexpired balance** under (e) or (h). The appeal-transfer interpretation also preserves the ability to accept an outstanding predecessor option even where the transferee does not ordinarily offer it. | S006 § 41(k)(5); S007 comment 41(k)(4)-2; **R/O**. |\n\nThe principal regulatory branches above are supported by the complete operative sections and their official interpretations, rather than by search-result summaries. [govinfo.gov+5](https://www.govinfo.gov/content/pkg/CFR-2026-title12-vol8/pdf/CFR-2026-title12-vol8-sec1024-39.pdf?utm_source=chatgpt.com)\n\n## 3. Generic urgency matrix\n\n### Matrix conventions\n\n**Full procedural scope** means the loan, principal-residence, borrower/confirmed-successor and servicer predicates are met; no applicable product exclusion or small-servicer exemption removes the relevant duty; and the repeat-application rule does not excuse that application.\n\n**Calendar** means calendar days under § 1024.31. **Excluded-days** means the provision expressly excludes legal public holidays, Saturdays and Sundays. The general § 1024.2 definition of “business day”—the entity open to the public for substantially all business functions—is **not substituted** for that express exclusion formula.\n\nThe “does not pause” column means **no such pause is established by the identified rule alone**. It does not decide whether another law, order, or agreement supplies a pause.\n\n| Event required | Actor obligated | Scope predicate | Clock starts | Counted-day standard | Actual rule window | Action legally constrained | What does **not** pause by this rule alone | Evidence unknown | Other competing deadline held |\n| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |\n| Continuing early delinquency | Servicer | § 39 scope; no applicable communication exemption | Relevant unpaid periodic-payment due date | Calendar | Live contact/good-faith effort by day 36; repeat by 36 after each due date | Failure to undertake required contact effort | Court response, contractual cure, separate application windows | Due date, payments, attempts, actual contact | Court/service, contract, assistance |\n| Written early intervention | Servicer | § 39 scope; ordinary branch | Delinquency and relevant due date; prior notice for repeat branch | Calendar | Day 45; ordinary 180-day frequency formula | Required notice timing/content | No automatic extension to submit an application or answer a complaint | Notice provision, content, continued delinquency | Court/service, offer and assistance expiry |\n| Proposed first foreclosure notice/filing | Servicer | Applicable § 41(f)(1), including small servicer; check exceptions | Delinquency date under § 31 | Calendar | Ordinarily only once **more than 120 days** delinquent | First legally qualifying notice/filing | Contract acceleration or separate obligations are not generally decided | Payment application; legal first-act identity; due-on-sale/joining basis | State initiation/cure, contract |\n| Initial application received | Servicer | Full scope; receipt **45 days or more** before sale, or no scheduled sale | Actual application receipt | Five excluded-days; prompt initial review | Written acknowledgment within five excluded-days | Completeness review and acknowledgment | No blanket foreclosure freeze from an incomplete submission | Receipt, contents, then-scheduled sale, missing-item list | First-filing, sale, assistance |\n| Missing-information date disclosed | Servicer sets reasonable date; applicant may complete | Applicable acknowledgment branch | Notice provision | Calendar | Generally 30; milestone limits; never less than seven | Unreasonable disclosure date | Ordinary disclosure alone does not create a universal pause through that date | Staleness, delinquency day 120, sale milestones | Other completion, court and sale deadlines |\n| Complete application well before sale | Servicer | Full scope; complete receipt **more than 37 days** before sale | Actual complete receipt, subject to facial/transfer rules | Calendar | Evaluation/determination within 30, subject to external-information exception | Required review and notice; applicable (f)(2)/(g) acts | Other court steps and borrower response deadlines | All required borrower material; available options | Court response, offer, other assistance |\n| Application becomes complete | Servicer | § 41(c)(3) and its exceptions | Complete receipt/recompletion | Five excluded-days | Complete-application notice within five excluded-days | Notice content/timing | No independent new universal application or court-response period | Prior notices, corrected material, facial date | Existing sale/court and offer dates |\n| Facially complete; correction requested | Servicer | Facial conditions met; (f)(2)/(g) otherwise applicable | Facial completion; later prompt request | Fact-dependent reasonable opportunity | Protect during reasonable opportunity; relation-back if timely completed | Specified foreclosure acts during protected interval | Does not automatically start every clock at the facial date | Missing/corrected item, reasonable time, actual completion | Court response, correction opportunity |\n| True third-party information missing | Servicer | Complete application; outside party is neither borrower nor servicer | Complete receipt and requests | Calendar; “promptly”/“significant period” are contextual | All possible steps within 30; delay notice within 30 or promptly after; heightened efforts | Premature denial/final determination; applicable foreclosure restrictions | No unlimited extension of every borrower deadline | Source/control of information, diligence, investor requirement | Court, offer, assistance |\n| Complete application before first filing | Servicer | Full scope; (f)(2) timing | Complete receipt before initiating act | Event-based | Until a specified release condition | First notice/filing | No general adjudication of State limitations, cure, or acceleration | Completion, first-act status, appeal/offer/performance | State initiation and contract clocks |\n| Complete application after first filing | Servicer, including through counsel | Full scope; complete **more than 37 days** before sale | Complete receipt | Event-based; related review/appeal periods separately counted | Until a specified release condition | Judgment/order-of-sale motion and sale | Permitted intermediate foreclosure steps; court answer deadline | Filing identity/date, scheduled sale, pending motions | Court/service, State sale procedure |\n| Post-filing completion at 37 days or fewer | Servicer only to extent another applicable branch requires | Ordinary >37 gate absent; check facial, prior rights, transfer exception | Actual completion and then-scheduled sale | Calendar comparison | No ordinary (c)(1)/(g) entitlement solely from that late receipt | Any independently applicable restriction only | Sale is not presumed paused | Original receipt, earlier facial status, transfer, investor rules | Sale, court, other program deadlines |\n| Offer after protected evaluation | Servicer permits response; borrower may elect | Complete ≥90, or <90 and >37 | Offer provision | Calendar | At least 14, or at least seven, respectively | Premature response cutoff/deemed rejection | Unrelated assistance or court deadlines | Actual offer terms/provision and applicable gate | Offer expiry, trial payments, court |\n| Qualifying modification appeal | Servicer permits/reviews; borrower may elect appeal | Complete ≥90 or during (f); eligible denial | Provision of (c)(1)(ii) offer; then borrower making appeal | Calendar | 14 to make appeal; 30 to determine; at least 14 after determination to respond | Premature closure; applicable foreclosure release | Court appeal/answer, unrelated offers | Method requirements, making date, eligible denial | Court/service; acceptance terms |\n| Repeat application | Servicer | Same-servicer prior full compliance plus continuous delinquency must be established for exception | Prior complete receipt and subsequent payment history | No universal new fixed clock from repetition alone | Applicable duties resume if exception fails | Improper use of one-review exception | Changed facts alone do not establish a general pause | Prior compliance, cure, new delinquency, owner requirements | Court, sale, other review windows |\n| Small-servicer agreed option being performed | Small servicer | Valid small-servicer status; performance under agreement | Agreement/performance | Event-based; separate >120 rule | While performing; (f)(1) also remains | First notice/filing, judgment/order motion, sale | Full ordinary evaluation/appeal machinery is not automatically imported | Classification, agreement, performance | Contract performance; State procedure |\n| Bankruptcy early-intervention branch | Servicer | Any borrower a debtor; check options and FDCPA interaction | Petition if already delinquent; otherwise later delinquency | Calendar | Modified notice by 45 when required; once per case limitation | Required communication duties, subject to bankruptcy law/order | No conclusion about the separate bankruptcy stay or its termination | Petition/status, discharge, payments, orders | Bankruptcy, court, contract |\n| Qualifying FDCPA cease notification | Servicer | FDCPA applies to this loan; qualifying notice | Notification/receipt; delinquency; prior notice | Calendar | Live exemption; modified 45/180/190 formula when applicable | Impermissible repeated notice; required modified notice | Loss-mitigation and foreclosure rules are not universally extinguished | FDCPA status, written notice/receipt, options, bankruptcy | FDCPA disputes; court; sale |\n| Successor confirmation/acknowledgment | Servicer | Qualifying transfer, confirmation, principal residence; optional notice conditions | Confirmation; acknowledgment/assumption if relevant | Prompt, not invented fixed confirmation period | § 41 deemed receipt at confirmation when review deferred; § 39 exception as specified | Unreasonable confirmation interference; improper denial of borrower treatment | Title/contract liability and other deadlines | Transfer category, confirmation, acknowledgment compliance | Probate/title, court, sale |\n| Transfer with acknowledgment still pending | Transferee | Original period unexpired and notice not supplied | Defined transfer date | Ten excluded-days; reasonable-date calendar standard | Ten excluded-days; no first filing until after reasonable date; completion-by-date protections | First filing and specified late-completion foreclosure acts | No general reset of other periods | Old receipt, notice status, transfer date, reasonable date | Court, sale, completion |\n| Complete application/appeal/offer pending at transfer | Transferee | Applicable separate (k)(3), (4), or (5) branch | Transfer; appeal made/received; original protective receipt | Calendar, except acknowledgment branch | 30 from transfer for pending complete; appeal later-of 30/30 if decidable; offer unexpired balance | Required review, appeal disposition, preservation of rights | No automatic fresh offer period or general court pause | Pending status, criteria, appeal ability, remaining offer time | Offer expiry, court and sale |\n\n**No actual calendar was calculated.** In particular, no weekend extension, mailing presumption, holiday list, time-of-day cutoff, court service rule, or individual “last safe date” is supplied.\n\n## 4. Clearly hypothetical qualitative failure branches\n\nEvery row below is an abstract stipulation. None represents an actual or fictional identified person, provider, property, account, or case. “Result” means the cited federal provision’s consequence on the stipulated facts, with other predicates expressly held.\n\n| Example | Stipulated qualitative facts | Federal rule result versus unknown | Evidence needed in a separately authorized application | Adverse misclassification to avoid |\n| --- | --- | --- | --- | --- |\n| **R008-P1-E01** | A transaction satisfies § 39 scope; a periodic payment remains unpaid through the live-contact threshold. In a contrasting branch it is cured before that period ends. | Continuing branch: C027–C028 contact duty. Cured branch: the particular live-contact trigger can disappear. Neither branch determines a court deadline. | Due/payment application facts; contact attempts; communication exemptions. | Treating day 36 as a borrower’s mandatory application deadline or automatic stay. |\n| **R008-P1-E02** | A covered servicer proposes the first legally qualifying foreclosure act while delinquency has **not exceeded 120 days**; neither enumerated exception is stipulated. | C061 prohibits that act. Actual State first-act identity and any remedy remain unknown. | Contractual periodic due dates, applied payments, State procedural definition. | Using four approximate months or a late-fee date instead of the rule’s predicate. |\n| **R008-P1-E03** | The proposed first act is stipulated to rest on a due-on-sale violation, or to join another lienholder’s foreclosure. A complete application is also pending before that act. | The stipulated basis can satisfy an (f)(1) exception; it does not by itself resolve the additional (f)(2) restriction. Contractual validity and other transfer protections remain held. | Separate exception basis, completeness, review/appeal/offer status. | Treating an (f)(1) exception as immunity from all loss-mitigation rules. |\n| **R008-P1-E04** | Full scope; a complete application is received **90 days or more before sale** after first filing. | Thirty-day evaluation, ordinary 14-day minimum offer response, modification-denial appeal, and (g) restrictions can apply. No modification is guaranteed. | Complete receipt, then-scheduled sale, options, denial and offer notices. | Equating review entitlement with approval or cancellation of foreclosure. |\n| **R008-P1-E05** | An application arrives **45 days or more** before sale but required borrower information remains missing; no facial-completeness predicate is met. | Acknowledgment/diligence duties apply; complete-application protections do not attach merely because a package was sent. | Actual receipt, missing-item notice, requested information, any existing option agreement. | Calling every submission “complete” or “protected.” |\n| **R008-P1-E06** | All missing items listed in the acknowledgment are supplied; a later correction is requested. In one branch correction is supplied within a reasonable opportunity; in the other it is not. | C049’s temporary (f)(2)/(g) treatment applies where otherwise available. Timely completion preserves specified earlier dates; failure leaves the application incomplete. The evaluation date and protective date are not merged. | Original list, facial date, prompt correction request, reasonable opportunity, completion receipt. | Restarting all protections at the later correction date, or treating facial status as permanent. |\n| **R008-P1-E07** | A first application becomes complete **more than 37 but fewer than 45 days** before sale; first filing already occurred. | The ordinary five-day **initial acknowledgment** gate is absent, but the >37-day evaluation and later-foreclosure rules can apply, and the separate complete-application notice must be checked. | Receipt and completeness dates; sale; prior complete notice/determination. | Treating absence of the 45-day acknowledgment duty as absence of all protection. |\n| **R008-P1-E08** | First filing occurred; the first qualifying completion is **exactly 37 days** before sale; no transfer or earlier facial/protective branch is stipulated. | The ordinary **more-than-37** gate is not met. State, investor and other legal restrictions remain unknown. | Receipt, earlier submissions, sale setting, transfer circumstances. | Rounding “more than 37” into “37 or more,” or declaring sale universally lawful. |\n| **R008-P1-E09** | Complete receipt is more than 37 days before sale after first filing, and a dispositive motion was already pending. | C065–C066 require the specified protective steps; permitted intermediate procedure may continue. Court action and response duties are not automatically suspended. | Motion’s procedural nature, application receipt, counsel instructions and protective steps. | Ignoring court papers because the application is under review. |\n| **R008-P1-E10** | Compare complete receipt at **exactly 90 days**, versus **fewer than 90 but more than 37** after first filing, versus receipt before first filing within the (f) period. | Exactly 90 meets the appeal route. The middle branch does not meet it solely through sale distance. The pre-filing branch can qualify through (f). Actual appeal requirements remain notice-specific. | Complete receipt, first-act date, sale date, actual denial/appeal instructions. | Using one “90-day” label without checking inclusivity and the independent (f) route. |\n| **R008-P1-E11** | Same servicer fully complied for an earlier complete application; delinquency never ended; financial circumstances later changed. | Section 41(i) may excuse another full review; changed facts alone do not expressly reset it. Applicable investor reevaluation requirements under § 38 remain a separate question. | Prior full compliance, continuous delinquency, applicable published investor requirements if separately authorized. | Assuming every changed fact mandates a new § 41 review, or that no other review duty can exist. |\n| **R008-P1-E12** | Prior complete review occurred, then delinquency ended, then a new delinquency arose. | C069 requires renewed applicable compliance; this is not a lifetime one-review bar. Actual new timing gates still matter. | Cure and new delinquency, new receipt/completeness, sale status. | Treating any previous modification application as permanent exhaustion. |\n| **R008-P1-E13** | Small-servicer qualification is stipulated. A complete application alone is pending; separately, an agreed loss-mitigation option is being performed. | Full ordinary review/appeal duties do not automatically follow from the application. But (f)(1) remains, and performance independently bars the listed foreclosure acts under (j). | Qualification basis, agreement and performance, delinquency. | “Small” means no federal foreclosure restrictions, or “complete” imports every ordinary duty. |\n| **R008-P1-E14** | Any borrower is in bankruptcy. Compare available options/no qualifying cease notice, against no available options or the qualifying combined FDCPA condition. | First branch can require the modified 45-day written notice; second can exempt it. Live contact is excepted. Section 41 and any separate bankruptcy stay require their own predicates. | Bankruptcy event/status, options, notification, order/discharge/payment facts. | Importing a communication exemption into every foreclosure restriction. |\n| **R008-P1-E15** | FDCPA applicability and a qualifying written cease notification are stipulated; options remain available; no borrower is in bankruptcy. | Modified notice remains required, with the **prohibited-more-than-once-in-180** and 190-day formula. | Receipt, previous notice provision, delinquency at interval end, content. | Applying the ordinary “not required more than once” wording to this prohibited-repeat branch. |\n| **R008-P1-E16** | A qualifying successor is confirmed, has not assumed personal liability, and has not returned a compliant optional acknowledgment. | The listed § 39 communications can be excepted; otherwise applicable § 41 treatment does not depend on assumption or acknowledgment. | Confirmation, principal residence, compliant optional notice/form, other scope facts. | “No assumption” or “no acknowledgment” means no loss-mitigation rights. |\n| **R008-P1-E17** | A potential successor submits material before confirmation; the servicer elects to defer evaluation. | Preserve the material; receipt for § 41 is treated as confirmation-date receipt, subject to the prompt-confirmation policies. Actual sale-distance protection cannot be inferred from the earlier submission alone. | Confirmation process, reasonable documentation, dates, principal residence, staleness. | Automatically using the earliest submission date, or assuming confirmation may be delayed without constraint. |\n| **R008-P1-E18** | A complete application had already qualified, then sale is moved earlier. Contrast an originally late application followed only by postponement. | Previously attached protections persist. The latter branch is not automatically upgraded by postponement under this report; new receipt or other applicable requirements must be identified. | Original receipt and sale schedule; later changes; any new complete submission. | Recalculating away attached rights, or assuming every postponement creates them retroactively. |\n| **R008-P1-E19** | Transfer occurs while the initial acknowledgment period is unexpired and no acknowledgment was given. Completion reaches either servicer **37 or fewer days before sale but by the disclosed reasonable date**. | Ten-excluded-day acknowledgment branch applies; (c), (d), and (g) must be honored under the specific exception. Appeal is not automatically added solely by this clause. | Old receipt, transfer date, acknowledgment status, reasonable date, completing receipt. | Applying a blanket “too late at 37 days” rule. |\n| **R008-P1-E20** | A complete application is pending at transfer; new criteria require additional material. | Thirty-day transfer evaluation framework and preserved facial status must be analyzed together. New requirements do not erase the original protective date. | Old/new criteria, original complete/facial date, requested correction and receipt. | Treating servicing transfer as a fresh unprotected application. |\n| **R008-P1-E21** | An appeal remains unresolved at transfer. Contrast a transferee able to decide it with one unable to do so. | Able: later-of 30-day deadlines. Unable: pending-complete-application treatment, with separate appeal-receipt and original protective dates. | Appeal made/received, transfer, records, program availability, original completion. | Automatically dismissing the appeal or using one date for every purpose. |\n| **R008-P1-E22** | An offer’s compliant acceptance period has not expired when servicing transfers. | The unexpired balance survives; no automatic entirely new period is created. | Offer provision, terms, deadline, transfer, any qualifying appeal extension. | Assuming transfer cancels the offer or restarts its full acceptance period. |\n| **R008-P1-E23** | All borrower-required material is supplied, but an outside approval is missing. Contrast a true outside-party delay with unfinished internal servicing work. | Completeness is not defeated merely by either missing item. The special delay/denial exception requires its outside-party and diligence predicates; internal delay does not automatically qualify. | Who controls the information, requests, elapsed period, possible completed steps, investor necessity. | Relabeling internal backlog as missing borrower information or automatic third-party extension. |\n| **R008-P1-E24** | A qualifying short-term plan is offered on an incomplete application and is being performed. Separately, a COVID-related deferral is proposed. | Short-term performance has its express foreclosure protections. COVID deferral requires every retained (c)(2)(v) condition; deleted (vi) is not available as the operative exception. | Plan terms, duration, performance; deferral charges/interest/cure conditions and applicable hardship meaning. | Assuming all incomplete-application offers are unprotected, or all former COVID exceptions remain operative. |\n| **R008-P1-E25** | The property is vacant, but principal-residence status is unstipulated. Alternatively, the product is an open-end home-equity line or qualifying reverse mortgage. | Vacancy alone does not resolve § 30(c)(2). The specified product exclusions are different, express paths. No actual product or residence determination is made. | Generic legal classification and residence facts only if separately authorized. | Treating vacancy as automatic abandonment or applying these procedures to every mortgage-like product. |\n\n## 5. Blank generic document-audit worksheet\n\nThis is an **unfilled schema**, not a request for records or permission to retrieve them. No identifying fields, sample identifiers, actual dates, amounts, or conclusions have been entered.\n\n| Generic audit item | Predicate to test | Audit result / supporting location |\n| --- | --- | --- |\n| Applicable primary publication and version | Operative text, effective date, corrections, access date | — |\n| Federal mortgage nexus | § 2602 / § 1024.2 collateral and nexus route | — |\n| Product and purpose | HELOC, reverse, temporary, business/agricultural, vacant-land and other exclusions | — |\n| Principal-residence basis | § 30(c)(2), including vacancy qualification | — |\n| Servicing role | Person responsible; master/subservicer; specific agency exclusion | — |\n| Small-servicer basis | Correct route, count universe, affiliates/associated entities, exclusions and transition | — |\n| Borrower/successor status | Qualifying transfer, confirmation, assumption distinction | — |\n| Optional successor notice | Required explanations, separate acknowledgment, return/assumption/revocation status | — |\n| Periodic-payment terms | Due date and principal/interest/escrow components | — |\n| Payment application | Oldest unpaid payment, tolerance, cure and new delinquency | — |\n| Early live-contact evidence | Actual contact versus good-faith effort; timing; representative | — |\n| Early written-notice evidence | Provision, contents, ordinary or modified frequency branch | — |\n| Bankruptcy communication predicate | Petition/status, options, orders, discharge, postcommencement payments | — |\n| FDCPA communication predicate | Applicability to loan, qualifying writing, receipt, other borrower interaction | — |\n| Initial application | Request plus evaluative information; actual receipt | — |\n| Acknowledgment | Timeliness, complete/incomplete status, missing list, reasonable date | — |\n| Completion and facial completion | Required borrower material; listed items; corrections; reasonable opportunity | — |\n| Outside information | Borrower control, servicer control, or true third party; diligence | — |\n| First foreclosure act | Applicable published State procedure and legal character of the act | — |\n| Sale scheduling | Schedule existing at relevant receipt; later scheduling/rescheduling | — |\n| Determination notice | Available options; each modification denial; actual reasons; NPV/investor particulars | — |\n| Offer response | Provision event, lawful minimum, actual expiry, trial payments | — |\n| Appeal | Eligibility, disclosed method, made/received events, separate reviewer, determination | — |\n| Foreclosure release condition | No-options/appeal closure, rejection of all options, or nonperformance | — |\n| Prior applications | Same-servicer full compliance, continuous delinquency or cure | — |\n| Short-term option | Definition, written terms, performance and diligence resumption | — |\n| Retained COVID deferral | All (c)(2)(v) conditions; definition/version issue preserved | — |\n| Application transfer | Pending status, defined transfer date, old/new receipt and criteria | — |\n| Transfer acknowledgment | Unexpired original period, no prior notice, reasonable-date protections | — |\n| Transfer appeal or offer | Decidable/undecidable branch; separate dates; unexpired offer balance | — |\n| Competing obligations | Court/service, State sale/redemption, contract, offer, assistance and other held clocks | — |\n| Calendar construction, if ever separately authorized | Trigger wording, units, holidays/weekends, receipt/provision distinction, applicable counting authority | — |\n\n## 6. Granular coverage and question → claim/source crosswalk\n\n**“Answered” means the generic legal branch was investigated. It does not mean any actual eligibility, liability, deadline, or foreclosure outcome was determined.** A factual application is excluded throughout this pass.\n\n| Assigned subquestion / major branch | Coverage status | Claim / source / example links | Exact missing authority or facts | Next bounded permissible investigation |\n| --- | --- | --- | --- | --- |\n| Q1: federally related mortgage loan and federal nexus | Answered generically | C007–C008; S001/S003; E25 | Actual collateral, funding and nexus facts excluded | No factual application in this component |\n| Q1: business, agricultural, rental-purpose exclusion | Answered generically | C009; S003/S010 | Actual primary purpose and classification excluded | If separately scoped, published classification authority only |\n| Q1: temporary construction and permanent-financing exceptions | Answered generically | C010; S003 | Actual term, commitment, conversion and builder facts | No loan determination |\n| Q1: vacant-land exception | Answered generically | C011; S003 | Actual proceeds/use/timing excluded | No property investigation |\n| Q1: assumptions, conversions, secondary-market and partial exemptions | Answered generically | C012; S003 | Actual transaction terms excluded | Do not infer servicing exemption from a transfer label |\n| Q1: principal residence and vacancy | Answered rule; application unresolved | C013; S004/S007; E25 | State law and residence facts absent | Public State-law work only with separate authorization |\n| Q1: reverse mortgages, HELOCs, qualified Farm Credit lender | Answered generically | C013; S004/S010/S011; E25 | Product and loan-specific qualification absent | No provider or loan status query |\n| Q1: servicer, master/subservicer, special agency exclusions | Answered generically | C014–C015; S001/S003/S009 | Actual servicing role and exception nexus absent | No entity/roster lookup |\n| Q1/Q5: small-servicer alternatives, count and transition | Answered generically | C015–C017/C071; S009–S012; E13 | Count, affiliation, origination, HFA/nonprofit and transition facts absent | No actual qualification decision |\n| Q1/Q5: successor categories and confirmation | Answered generically | C018–C020; S004/S007/S008; E16–E17 | State title/transfer and confirmation facts absent | Public generic successor authority only if needed |\n| Q1/Q2: successor acknowledgment and communications | Answered generically | C021/C038; S004/S007; E16 | Compliant optional notice and acknowledgment facts absent | No form supplied or inspected |\n| Q1: delinquency and day definitions | Answered generically | C022–C023; S004/S007; E01–E02 | Payment terms/application and actual calendar absent | No individual calculation |\n| Q1: relevant § 2605 authority and remedies boundary | Answered narrowly | C026; S001/S006 | Standing, causation, remedy and jurisdiction questions excluded | Separate authorized remedies investigation only |\n| Q2: live-contact trigger, meaning, repeat duty | Answered | C027–C028/C031; S005/S007; E01 | Actual contact/payment facts absent | None needed for generic branch |\n| Q2: written notice timing/content/frequency | Answered | C029–C030; S005/S007/S008 | Actual notice/provision facts absent | None needed for generic branch |\n| Q2: continuing delinquency, ongoing mitigation and narrow transfer effects | Answered | C031–C032; S007 | Actual agreement and transferred-payment facts absent | No R006 notice rerun |\n| Q2: bankruptcy exemption, modified notice, resumption | Answered generic branch | C033–C035; S005/S007; E14 | Bankruptcy status/orders/discharge/payments excluded | No bankruptcy case inquiry |\n| Q2: FDCPA notification and modified duties | Answered narrowly | C036–C038; S002/S005/S007/S015; E15 | FDCPA coverage and notification facts absent; broader disputes held | No debt-collector or borrower query |\n| Q2: official model clauses | Excluded as unnecessary | C030; § 39(b)(3), (d)(3)(i) | No model form needed to state duties | If needed later, retrieve exact official version and inspect relevant pixels |\n| Q3: oral application versus inquiry; actual receipt | Answered | C024/C039; S004/S006/S007; E05 | Actual communication and receipt absent | No form or identifier entry |\n| Q3: 45-day inclusive acknowledgment gate and five-day units | Answered | C040; S006/S007; E05/E07 | Actual sale/receipt/calendar absent | No individual deadline |\n| Q3: reasonable date and milestones | Answered | C041; S007; E05/E19 | Staleness/milestone chronology absent | No invented 30-day entitlement |\n| Q3/Q5: receipt-date snapshot, no scheduled sale, rescheduling | Answered rule; retrospective late-application conclusion held | C042; S006/S007; E18 | New receipt, original/later schedule, other law absent | Read a strictly necessary additional published interpretation if a generic ambiguity is separately posed |\n| Q3: complete application, >37 gate, 30-day determination | Answered | C039/C043; S006/S007; E04/E07/E08 | Completeness/options/receipt absent | No eligibility analysis |\n| Q3: incomplete anti-evasion and stalled application | Answered | C044–C045; S006/S007; E05 | Diligence/progress/context absent | No fixed “significant period” invented |\n| Q3: short-term incomplete-application exception | Answered | C046–C047; S006/S007; E24 | Terms, performance and requests for further help absent | No program application |\n| Q3/currentness: retained COVID deferral | Text answered; interpretive definition gap preserved | C003/C048; S006/S016/S017; E24 | Post-deletion definition issue; no hardship/program facts | Bounded primary-authority clarification of retained terminology if needed |\n| Q3: facial completeness, correction and relation-back | Answered | C049; S006/S007; E06 | Listed missing items, timing and reasonable opportunity absent | Keep evaluation and protection dates separate |\n| Q3: complete-application notice and exceptions | Answered | C050; S006/S007; E06/E07 | Prior notice and actual completion history absent | No actual notice audit |\n| Q3: borrower-control versus internal versus third-party information | Answered | C051–C053; S006/S007; E23 | Control, diligence, necessity and elapsed period absent | No records request |\n| Q4: >120 threshold and due-on-sale/joining exceptions | Answered | C061; S006; E02–E03 | Delinquency and exception facts; other law absent | No actual first-filing permission |\n| Q4: judicial/nonjudicial first act | Answered federal definition; State identification unresolved | C062; S007 comment 41(f)-1.i–iv; E02/E09 | State procedure and actual act/date absent | Separate authorized public State-procedure research |\n| Q4: complete application before first filing | Answered | C063–C064; S006; E03 | Completion, first act, release conditions absent | No operational authorization |\n| Q4: application after first filing | Answered | C065–C068; S006/S007; E07–E09 | Receipt, schedule, motion and counsel facts absent | No docket or court-status query |\n| Q4: appeal closure/rejection/nonperformance release | Answered | C064; S006/S007; E04/E10/E24 | Notices, appeal, all offers, performance absent | No actual release determination |\n| Q4: State court response, sale validity, injunction, remedy | Excluded/held | C026/C067; S001/S006/S007 | Jurisdiction, procedure, facts, remedy authority not investigated | Requires separate authorized component |\n| Q5: denial reasons | Answered | C054; S006/S007 | Actual notice, investor rules and calculation inputs absent | No individualized merits decision |\n| Q5: offer minimums, trial-plan acceptance and appeal extension | Answered | C055–C056/C060; S006; E04/E10/E22 | Actual provision/offer terms/payments absent | Preserve actual offer expiry as unknown |\n| Q5: appeal eligibility, method, 14/30/14 periods | Answered | C057–C059; S004/S006/S007; E10/E21 | Notice-specific method and making/receipt facts absent | No universal written-appeal requirement invented |\n| Q5: repeat applications, cure and changed facts | Answered | C069–C070; S006/S007/S008; E11–E12 | Prior compliance/continuity/investor requirements absent | No lifetime one-review assumption |\n| Q5: transfer general pending status and dates | Answered independently | C072–C073; S006–S008; E20–E22 | Pending status and actual dates absent | No R006 foundation or broad notice rerun |\n| Q5: transfer acknowledgment and reasonable-date extension | Answered | C074–C076; S006/S007; E19 | Unexpired period, notice status and dates absent | No blanket >37 cutoff |\n| Q5: transfer evaluation and changed completion criteria | Answered | C077–C078; S006/S007; E20 | Criteria and receipt history absent | No loss of facial status assumed |\n| Q5: transfer appeal able/unable branches and pending offer | Answered | C079–C081; S006/S007; E21–E22 | Ability to decide, appeal dates, remaining offer period absent | No automatic offer-period restart |\n| Q6: urgency matrix and hypothetical failure paths | Answered qualitatively | Matrix; E01–E25; cited claims | Actual dates/identifiers deliberately absent | No worked calendar needed |\n| Currentness: operative versus proposed/deleted material | Answered within stated read bounds | C001–C006; S013–S020 | Full post-currency and historical reconciliation remains unclosed | Public primary Federal Register/US Code update audit only |\n| Court decisions and later history | Not necessary; not used | C026/C067 and currentness limits | No majority opinion, posture or later-history proposition relied upon | Read actual published majority only if a later bounded legal question makes it necessary |\n| Parent/component/operational/publication acceptance | Expressly not granted | Section 8 below | Entire remaining parent scope and permissions held | No implied next action |\n\n## 7. Read and failure log\n\n| Log item | What was actually done | Result and bounded limitation |\n| --- | --- | --- |\n| **L01 — Fresh statutory reading** | Read current available House RESPA and the necessary FDCPA provision. | Core bodies obtained; House compilation lag remains explicit. |\n| **L02 — Fresh operative Regulation X reading** | Read §§ 30–32, complete §§ 39 and 41, necessary §§ 2, 5, 38 and 40, and official interpretations. | Body reading supported the claim register; no search snippet substituted for the operative clauses. |\n| **L03 — Adjacent qualification reading** | Read small-servicer definition/comments, reverse/product-purpose definitions, seller-financer counting exclusion, Farm Credit and HFA definitions. | Generic predicates obtained; no actual entity or product qualification attempted. |\n| **L04 — Publication conflict** | Compared CFPB “current” pages with eCFR, annual CFR §§ 39/.41, and the 2025 amendatory rule. | Stale displayed COVID passages identified; current and historical text kept separate. |\n| **L05 — Published CFR comparison** | Read the 2026 annual § 39 text and compared § 41(a)–(k) across its eight-page excerpt. | January 1, 2026 edition confirmed for these excerpts; this was not a full-volume audit. |\n| **L06 — Final/interim-final history** | Read selected operative/date portions of 2013, 2016, 2017, 2020 and 2025 publications. | Effective dates recorded; entire long preambles and every intervening correction were not claimed as read. |\n| **L07 — Proposed replacement check** | Read the 2024 proposal’s action/date material and the agency’s under-development entry; performed targeted official-source discovery for later final rules. | No operative final replacement established. Search nonappearance is not a complete negative legal-history proof. |\n| **L08 — Guidance status** | Read the official withdrawn-guidance register at its recovered correct path. | No freestanding guidance was used as operative authority. No general claim that every historical advisory’s publisher status was independently audited. |\n| **L09 — House retrieval failure** | The preliminary § 2605 endpoint returned 404; changed to a version-specific House endpoint. | Recovered body. S021 documents the failed path; S001 supplies the foundation. |\n| **L10 — Guidance-path failure** | The rules-policy/withdrawn-guidance path failed; changed to compliance/guidance/withdrawn-guidance. | Recovered register. S022 records the failed path. |\n| **L11 — PDF limits** | Parsed text used for CFR and Federal Register PDFs; visually inspected only the 2025 rule’s printed p. 20792 / index 1. | No unseen page, image, full model form, or full visual layout is claimed to have been inspected. |\n| **L12 — Excluded search hits** | Searches incidentally returned secondary commentary, examination material and enforcement-record links. | Those materials were not opened or used as a substantive foundation; no case-record or docket-status research followed them. |\n| **L13 — Foundation independence** | Built this pass from the publications listed above. | No earlier SettleADebt output, other chat, Library research, or delegated research used. |\n| **L14 — No actual calculation or action** | Used qualitative timing branches and an unfilled worksheet. | No borrower deadline, liability, eligibility, award, remedy, filing, contact or operational action determined. |\n\n## 8. Self-check and preserved parent holds\n\n### Self-check — **not independent review**\n\n| Check | Result |\n| --- | --- |\n| Inclusive/strict thresholds | Kept **45 or more**, **more than 37**, **90 or more**, and **more than 120** distinct. |\n| Units and trigger events | Kept calendar days separate from expressly excluded days; distinguished receipt, provision of a notice/offer, making an appeal, transfer, and the then-scheduled sale. |\n| Complete versus incomplete | Preserved ordinary incomplete, stalled incomplete, short-term, retained COVID deferral, facially complete, actually complete, and outside-information branches. |\n| First filing versus later foreclosure | Kept (f)(1), (f)(2), and (g) separate; identified the official State-procedure-dependent first-act interpretation. |\n| Exceptions | Did not extend bankruptcy, FDCPA, successor acknowledgment, small-servicer, product, or due-on-sale/joining exceptions beyond their stated scope. |\n| Appeals/offers/transfers | Preserved alternative appeal eligibility, notice-specific method requirements, 14/30/14 periods, unexpired offer balance, and different transfer receipt/evaluation/protection dates. |\n| Currentness | Identified stale agency text, operative rescission, retained provision, proposed replacement, publication dates, access date, and unclosed audits. |\n| Evidence boundary | No actual records, identifiers, individual conclusions, court-status inquiries, unseen-form claims, or invented calendars/awards. |\n| Review status | This is the same researcher’s consistency check, **not independent legal or source review**. |\n\n### Specific holds that remain in force\n\nThis focused component does **not** resolve or authorize:\n\n- **Court and State-process matters:** service, answer/response periods, court calendars, judicial or nonjudicial State foreclosure prerequisites, sale authority or validity, redemption, limitations, injunctions, appeals, possession, repossession, eviction, or docket status.\n- **Other competing deadlines:** utility termination, garnishment, tax notices, FDCPA disputes, offer expiry beyond the identified federal interaction, assistance-program applications, or other administrative or contractual response periods.\n- **Contract and substantive rights:** default, cure, acceleration, title, assignment, security interests, standing, payment accounting, credit reporting, tax, bankruptcy stay/discharge consequences, liability, damages, remedies, or litigation strategy.\n- **Other scope:** all other products; local, State, tribal and non-U.S. law; other A008 dimensions; any individualized fact permission or eligibility/creditworthiness decision.\n- **Other workstreams:** a broad servicing-transfer or ownership-transfer notice review, R006 reliance, records requests, filings, contacts, purchases, account changes, sites, publication, or operational implementation.\n- **Acceptance:** no component acceptance, State acceptance, parent acceptance, operational acceptance, publication acceptance, or comprehensive closure is supplied.\n\nThe generic federal branches are presented above with their source predicates and limits. **The applicable State procedure and every actual timeline remain expressly unresolved.**\n\nEND R008 PASS-01\n\n","tables":[{"headers":["Source ID","Issuer, title, jurisdiction","Complete literal HTTPS URL(s)","Exact substantive read bounds; printed page / PDF index","Version, effective predicate, actual check, and 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nsumerfinance.gov/rules-policy/regulations/1026/interp-41/"},{"href":"https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-E/section-1026.41?utm_source=chatgpt.com","text":"ecfr.gov\n+2"}],[{"href":"https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-A/section-1026.3?utm_source=chatgpt.com","text":"https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-A/section-1026.3"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/interp-3/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1026/interp-3/"},{"href":"https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-E/section-1026.33?utm_source=chatgpt.com","text":"https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-E/section-1026.33"},{"href":"https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-E/section-1026.36?utm_source=chatgpt.com","text":"https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-E/section-1026.36"},{"href":"https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-A/section-1026.3?utm_source=chatgpt.com","text":"ecfr.gov\n+3"}],[{"href":"https://www.ecfr.gov/current/title-12/chapter-VI/subchapter-B/part-617/subpart-A/section-617.7000?utm_source=chatgpt.com","text":"https://www.ecfr.gov/current/title-12/chapter-VI/subchapter-B/part-617/subpart-A/section-617.7000"},{"href":"https://www.ecfr.gov/current/title-12/chapter-VI/subchapter-B/part-617/subpart-A/section-617.7000?utm_source=chatgpt.com","text":"ecfr.gov"}],[{"href":"https://www.ecfr.gov/current/title-24/subtitle-B/chapter-II/subchapter-B/part-266/subpart-A/section-266.5?utm_source=chatgpt.com","text":"https://www.ecfr.gov/current/title-24/subtitle-B/chapter-II/subchapter-B/part-266/subpart-A/section-266.5"},{"href":"https://www.ecfr.gov/current/title-24/subtitle-B/chapter-II/subchapter-B/part-266/subpart-A/section-266.5?utm_source=chatgpt.com","text":"ecfr.gov"}],[{"href":"https://www.govinfo.gov/content/pkg/FR-2013-02-14/pdf/2013-01248.pdf?utm_source=chatgpt.com","text":"https://www.govinfo.gov/content/pkg/FR-2013-02-14/pdf/2013-01248.pdf"},{"href":"https://www.govinfo.gov/content/pkg/FR-2013-02-14/pdf/2013-01248.pdf?utm_source=chatgpt.com","text":"govinfo.gov"}],[{"href":"https://www.govinfo.gov/content/pkg/FR-2016-10-19/pdf/2016-18901.pdf?utm_source=chatgpt.com","text":"https://www.govinfo.gov/content/pkg/FR-2016-10-19/pdf/2016-18901.pdf"},{"href":"https://www.govinfo.gov/content/pkg/FR-2016-10-19/pdf/2016-18901.pdf?utm_source=chatgpt.com","text":"govinfo.gov\n+1"}],[{"href":"https://www.federalregister.gov/documents/2017/10/16/2017-21912/mortgage-servicing-rules-under-the-real-estate-settlement-procedures-act-regulation-x","text":"https://www.federalregister.gov/documents/2017/10/16/2017-21912/mortgage-servicing-rules-under-the-real-estate-settlement-procedures-act-regulation-x"},{"href":"https://www.federalregister.gov/citation/82-FR-47957?utm_source=chatgpt.com","text":"federalregister.gov\n+1"}],[{"href":"https://www.federalregister.gov/documents/2020/06/30/2020-13853/treatment-of-certain-covid-19-related-loss-mitigation-options-under-the-real-estate-settlement","text":"https://www.federalregister.gov/documents/2020/06/30/2020-13853/treatment-of-certain-covid-19-related-loss-mitigation-options-under-the-real-estate-settlement"},{"href":"https://www.federalregister.gov/citation/85-FR-39065?utm_source=chatgpt.com","text":"federalregister.gov\n+1"}],[{"href":"https://www.govinfo.gov/content/pkg/FR-2025-05-16/pdf/2025-08643.pdf?utm_source=chatgpt.com","text":"https://www.govinfo.gov/content/pkg/FR-2025-05-16/pdf/2025-08643.pdf"},{"href":"https://www.govinfo.gov/content/pkg/FR-2025-05-16/pdf/2025-08643.pdf?utm_source=chatgpt.com","text":"govinfo.gov\n+3"}],[{"href":"https://www.govinfo.gov/content/pkg/FR-2024-07-24/pdf/2024-15475.pdf?utm_source=chatgpt.com","text":"https://www.govinfo.gov/content/pkg/FR-2024-07-24/pdf/2024-15475.pdf"},{"href":"https://www.consumerfinance.gov/rules-policy/rules-under-development/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/rules-under-development/"},{"href":"https://www.govinfo.gov/content/pkg/FR-2024-07-24/pdf/2024-15475.pdf?utm_source=chatgpt.com","text":"govinfo.gov\n+1"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1024/31/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1024/31/"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1024/39/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1024/39/"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1024/41/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1024/41/"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1024/31/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau\n+4"}],[{"href":"https://www.consumerfinance.gov/compliance/guidance/withdrawn-guidance/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/compliance/guidance/withdrawn-guidance/"},{"href":"https://www.consumerfinance.gov/compliance/guidance/withdrawn-guidance/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau\n+2"}],[{"href":"https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title12-section2605&num=0&edition=prelim","text":"https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title12-section2605&num=0&edition=prelim"}],[{"href":"https://www.consumerfinance.gov/rules-policy/withdrawn-guidance/","text":"https://www.consumerfinance.gov/rules-policy/withdrawn-guidance/"}]],"rows":[["Source ID","Issuer, title, jurisdiction","Complete literal HTTPS URL(s)","Exact substantive read bounds; printed page / PDF index","Version, effective predicate, actual check, and limits"],["R008-P1-S001","U.S. House, Office of the Law Revision Counsel; 12 U.S.C. §§ 2602, 2605, RESPA; U.S. federal","https://uscode.house.gov/us/usc/119-121/t12/s2602/ ; https://uscode.house.gov/us/usc/119-121/t12/s2605/ ; fallback representation: https://www.govinfo.gov/link/uscode/12/2605","§ 2602(1), relevant source/editorial notes; § 2605(f), (i), (j)(3), (k)(1), relevant source notes. Transfer and other adjacent text appearing in returned windows was not used to rerun transfer-notice or error-resolution research. House: HTML. GovInfo fallback: selected § 2605(f), (i)–(k), printed pp. 1449–1450 / indices 2–3.","Fresh, 2026-10-27. House label: laws in effect through Pub. L. 119-121, October 9, 2026. The fallback PDF’s edition was not established and is not the currentness foundation. No complete session-law audit through October 27. \nuscode.house.gov\n+1"],["R008-P1-S002","U.S. House OLRC; 15 U.S.C. § 1692c, FDCPA § 805; U.S. federal","https://uscode.house.gov/us/usc/119-121/t15/s1692c/","Necessary § 1692c(c) notification, receipt, and exceptions; surrounding section read. HTML; pages/index N/A.","Fresh, 2026-10-27. Same October 9, 2026 compilation predicate. Used only for the cease-communication interaction; no general FDCPA coverage or dispute investigation. \nuscode.house.gov"],["R008-P1-S003","CFPB regulation, published by OFR/GPO through eCFR; 12 CFR §§ 1024.2, 1024.5; U.S. federal","https://www.ecfr.gov/current/title-12/chapter-X/part-1024/subpart-A/section-1024.2 ; https://www.ecfr.gov/current/title-12/chapter-X/part-1024/subpart-A/section-1024.5","§ 1024.2(a), relevant definitions of business day, federally related mortgage loan, servicer, servicing, State, and associated scope terms; § 1024.5(a)–(d). HTML.","Fresh, 2026-10-27; eCFR through 2026-10-23. Selected definitions, not every unrelated settlement definition. No individual product classification. \necfr.gov\n+1"],["R008-P1-S004","CFPB/OFR/GPO; 12 CFR §§ 1024.30–1024.32; U.S. federal","https://www.ecfr.gov/current/title-12/chapter-X/part-1024/subpart-C/section-1024.30 ; https://www.ecfr.gov/current/title-12/chapter-X/part-1024/subpart-C/section-1024.31 ; https://www.ecfr.gov/current/title-12/chapter-X/part-1024/subpart-C/section-1024.32","Complete operative scope, definitions, and disclosure/successor provisions in these three sections. HTML.","Fresh, 2026-10-27; eCFR through 2026-10-23. Successor amendments’ effective-date predicate addressed in S014. The removed COVID-hardship definition was not imported from the stale agency mirror. \necfr.gov\n+2"],["R008-P1-S005","CFPB/OFR/GPO; 12 CFR § 1024.39, Early intervention requirements; U.S. federal","https://www.ecfr.gov/current/title-12/chapter-X/part-1024/subpart-C/section-1024.39 ; https://www.govinfo.gov/content/pkg/CFR-2026-title12-vol8/pdf/CFR-2026-title12-vol8-sec1024-39.pdf","Complete current § 1024.39(a)–(d). Annual CFR: printed 718–719 / indices 0–1, operative section through amendment credit.","Fresh, 2026-10-27. eCFR through October 23; annual edition January 1, 2026. § 1024.39(e) is absent from these operative versions. PDF text read; pixels not inspected. \necfr.gov\n+1"],["R008-P1-S006","CFPB/OFR/GPO; 12 CFR § 1024.41, Loss mitigation procedures; U.S. federal","https://www.ecfr.gov/current/title-12/chapter-X/part-1024/subpart-C/section-1024.41 ; https://www.govinfo.gov/content/pkg/CFR-2026-title12-vol8/pdf/CFR-2026-title12-vol8-sec1024-41.pdf","Complete operative § 1024.41(a)–(k) in eCFR; annual CFR body compared across printed 720–727 / indices 0–7. Adjacent settlement-form text on the last PDF page was not used.","Fresh, 2026-10-27. eCFR through October 23; annual edition January 1, 2026. Retains (c)(2)(v); omits former (c)(2)(vi) and (f)(3). PDF comparison was text, not pixels. \necfr.gov\n+4"],["R008-P1-S007","CFPB/OFR/GPO; Supplement I to Part 1024, Official Bureau Interpretations; U.S. federal","https://www.ecfr.gov/current/title-12/chapter-X/part-1024/appendix-Supplement%20I%20to%20Part%201024","Comment 5(c)(1)-1; necessary comments to §§ 30–32; § 38 successor, evaluation, counsel, and transfer comments; complete relevant § 39 and § 41 commentary, including 41(f)-1.i–iv, 41(g)-1–5, 41(i)-1–2, and 41(k) branches. HTML.","Fresh, 2026-10-27; eCFR through 2026-10-23. These are codified official interpretations, distinguished from statutory text and freestanding guidance. Unrelated escrow/insurance commentary in overlapping returned windows was not a foundation. \necfr.gov\n+6"],["R008-P1-S008","CFPB/OFR/GPO; necessary adjacent 12 CFR §§ 1024.38, 1024.40; U.S. federal","https://www.ecfr.gov/current/title-12/chapter-X/part-1024/subpart-C/section-1024.38 ; https://www.ecfr.gov/current/title-12/chapter-X/part-1024/subpart-C/section-1024.40","§ 38(a), (b)(1)(vi), (b)(2)–(4); § 40(a)–(b), only as needed for successor confirmation, investor requirements, transfer information, and the contact referenced in § 39. HTML.","Fresh, 2026-10-27; eCFR through 2026-10-23. No separate records-access, error-resolution, or private-enforcement conclusion. \necfr.gov\n+1"],["R008-P1-S009","CFPB/OFR/GPO; 12 CFR § 1026.41(e)(4) and official interpretation; U.S. federal","https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-E/section-1026.41 ; https://www.consumerfinance.gov/rules-policy/regulations/1026/interp-41/","§ 41(a)(1), complete (e)(4); comments 41(e)(4)(ii)-1–4 and (iii)-1–5. HTML.","Fresh, 2026-10-27. eCFR through October 23; agency commentary displayed current version, but a complete independent Regulation Z amendment history was not audited. Other periodic-statement exemptions were not imported into Regulation X. \necfr.gov\n+2"],["R008-P1-S010","CFPB/OFR/GPO; cross-referenced Regulation Z scope definitions; U.S. federal","https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-A/section-1026.3 ; https://www.consumerfinance.gov/rules-policy/regulations/1026/interp-3/ ; https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-E/section-1026.33 ; https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-E/section-1026.36","§ 3(a)(1), comments 3(a)-1, -3–6, -8 as relevant to purpose; § 33(a) reverse-mortgage definition; § 36(a)(5) seller-financer criteria. HTML.","Fresh, 2026-10-27. Current eCFR display through October 23; agency commentary current-label limitation retained. No ability-to-repay, origination, or seller-financer determination. \necfr.gov\n+3"],["R008-P1-S011","Farm Credit Administration/OFR/GPO; 12 CFR § 617.7000; U.S. federal","https://www.ecfr.gov/current/title-12/chapter-VI/subchapter-B/part-617/subpart-A/section-617.7000","Necessary “loan” and “qualified lender” definitions, read with comment 30(b)-1. HTML.","Fresh, 2026-10-27; eCFR through October 23. Loan-specific nexus retained; no institution roster or status query. \necfr.gov"],["R008-P1-S012","HUD/OFR/GPO; 24 CFR § 266.5; U.S. federal","https://www.ecfr.gov/current/title-24/subtitle-B/chapter-II/subchapter-B/part-266/subpart-A/section-266.5","“Housing finance agency or HFA” definition. HTML.","Fresh, 2026-10-27. Title 24 displayed through October 23, last amended August 20, 2026; that title-wide date is not a claim that this definition changed then. \necfr.gov"],["R008-P1-S013","CFPB, Federal Register; Mortgage Servicing Rules Under RESPA (Regulation X); U.S. federal","https://www.govinfo.gov/content/pkg/FR-2013-02-14/pdf/2013-01248.pdf","Title, action, and DATES on printed 10696 / index 0.","Fresh selected historical read, 2026-10-27. Published February 14, 2013; final rule effective January 10, 2014. Not a claim to have read the entire 204-page rule or every intervening amendment. \ngovinfo.gov"],["R008-P1-S014","CFPB, Federal Register; 2016 amendments to the 2013 mortgage rules under RESPA and TILA; U.S. federal","https://www.govinfo.gov/content/pkg/FR-2016-10-19/pdf/2016-18901.pdf","Title/DATES, printed 72160 / index 0; effective-date discussion, printed 72349–72350 / indices 189–190, especially identification of successor provisions.","Fresh selected historical read, 2026-10-27. Generally effective October 19, 2017; identified successor provisions effective April 19, 2018. Regulation Z bankruptcy-statement provisions also had the later date; this does not shift § 1024.39’s bankruptcy duties to that date. Full 242-page history not audited. \ngovinfo.gov\n+1"],["R008-P1-S015","CFPB, Federal Register; Mortgage Servicing Rules Under RESPA (Regulation X), 2017 notice-frequency amendment; U.S. federal","https://www.federalregister.gov/documents/2017/10/16/2017-21912/mortgage-servicing-rules-under-the-real-estate-settlement-procedures-act-regulation-x","Action/DATES; operative revision of § 39(d)(3)(iii); selected explanation. Printed 47953 header and 47957–47958 amendatory text; HTML, PDF index N/A.","Fresh, 2026-10-27. Interim final rule published October 16, 2017, effective October 19, 2017; supplies the 190-day modified-notice branch. \nfederalregister.gov\n+1"],["R008-P1-S016","CFPB, Federal Register; Treatment of Certain COVID-19 Related Loss Mitigation Options Under RESPA (Regulation X); U.S. federal","https://www.federalregister.gov/documents/2020/06/30/2020-13853/treatment-of-certain-covid-19-related-loss-mitigation-options-under-the-real-estate-settlement","Header/DATES and actual addition of § 41(c)(2)(v), revision of (c)(2)(i). Printed 39055 header, 39065 amendatory material; HTML, PDF index N/A.","Fresh, 2026-10-27. Interim final rule published June 30, 2020, effective July 1, 2020. Historical wording is not substituted for the 2025-revised current text. \nfederalregister.gov\n+1"],["R008-P1-S017","CFPB, Federal Register; Protections for Borrowers Affected by the COVID-19 Emergency Under RESPA, Regulation X; Rescission; U.S. federal","https://www.govinfo.gov/content/pkg/FR-2025-05-16/pdf/2025-08643.pdf","CFPB header/DATES; operative instructions and replacement text for §§ 31, 39, 41 and Supplement I. CFPB material printed 20791–20795 / indices 0–4; unrelated material sharing first/last pages excluded. Pixels inspected only at 20792 / index 1.","Fresh, 2026-10-27. Published May 16, 2025; interim final rule effective July 15, 2025. Its request for comments did not make it merely proposed. Selected preamble plus necessary operative amendments read; no full litigation-status audit. \ngovinfo.gov\n+3"],["R008-P1-S018","CFPB, Federal Register and agency status page; Streamlining Mortgage Servicing for Borrowers Experiencing Payment Difficulties (Regulation X); U.S. federal","https://www.govinfo.gov/content/pkg/FR-2024-07-24/pdf/2024-15475.pdf ; https://www.consumerfinance.gov/rules-policy/rules-under-development/","Proposal title/action/comment dates, printed 60204 / index 0; agency “rules under development” entry and page status.","Fresh limited status read, 2026-10-27. Published July 24, 2024 as a proposed rule; comments due September 9, 2024. Agency page still classified it as proposed and showed October 13, 2026 modification. No final replacement effective date established. Proposal body not used as operative law. \ngovinfo.gov\n+1"],["R008-P1-S019","CFPB regulation-page mirrors; §§ 1024.31, .39, .41; U.S. federal publisher","https://www.consumerfinance.gov/rules-policy/regulations/1024/31/ ; https://www.consumerfinance.gov/rules-policy/regulations/1024/39/ ; https://www.consumerfinance.gov/rules-policy/regulations/1024/41/","Displayed current-version labels and the conflicting COVID-hardship definition, § 39(e), § 41(c)(2)(vi), § 41(f)(3), with embedded related comments. HTML.","Fresh discrepancy comparison, 2026-10-27. These passages were not accepted as operative replacements for S005–S007/S017. Publisher “current” labels did not resolve the conflict. \nConsumer Financial Protection Bureau\n+4"],["R008-P1-S020","CFPB; Withdrawn Guidance register; U.S. federal publisher status","https://www.consumerfinance.gov/compliance/guidance/withdrawn-guidance/","Register body and modification label, including the withdrawn 2017 early-compliance policy. HTML.","Fresh status read, 2026-10-27. Page displayed July 22, 2026 modification. No freestanding circular, bulletin, advisory, or supervisory manual is an operative foundation here. Register withdrawal does not itself repeal a statute or amend codified text. Underlying withdrawn guidance was not used. \nConsumer Financial Protection Bureau\n+2"],["R008-P1-S021","Attempted House OLRC preliminary § 2605 endpoint; U.S. federal","https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title12-section2605&num=0&edition=prelim","Failed body retrieval: 404. No operative text read from this endpoint.","Failure, 2026-10-27. Recovered through S001’s version-specific House page. Failure is not evidence that no rule exists."],["R008-P1-S022","Attempted CFPB guidance-register path; U.S. federal","https://www.consumerfinance.gov/rules-policy/withdrawn-guidance/","Failed body retrieval. No register body read at this path.","Failure, 2026-10-27. Recovered through S020’s correct compliance/guidance path."]]},{"headers":["Claim ID","Area and precise claim","Trigger, conditions, exceptions, and limits","Source pinpoint; status"],"index":1,"links":[],"row_links":[[],[],[],[],[],[],[]],"rows":[["Claim ID","Area and precise claim","Trigger, conditions, exceptions, and limits","Source pinpoint; status"],["R008-P1-C001","The sources have different currency predicates.","October 27 access does not convert the eCFR’s October 23 currency label, the January 1 annual edition, or the House’s October 9 compilation label into a completed through-access-date legal audit.","S001, S004–S006; V/U."],["R008-P1-C002","The July 15, 2025 rescission removes the § 31 COVID-hardship definition, § 39(e), § 41(c)(2)(vi), § 41(f)(3), and associated 2021 commentary.","The old special foreclosure safeguards and special COVID contact provisions are historical/deleted, even where an agency mirror still displays them. The old § 39(e) and § 41(f)(3) also contained their own earlier temporal limits.","S017, amendatory instructions 2–5; S005–S007; R/V."],["R008-P1-C003","Section 41(c)(2)(v) remains in the operative text.","This is the narrow deferral-option exception detailed in C048, not the deleted (c)(2)(vi) modification exception. The remaining phrase “COVID-19-related hardship” is not newly defined here by importing the deleted § 31 definition.","S006 § 41(c)(2)(v); S017 instruction 4; R/U."],["R008-P1-C004","The retrieved 2024 streamlining document is proposed, not an operative replacement.","No final effective replacement was established in this pass. A regulatory-agenda target or agency page update would not itself amend the rule.","S018 action/DATES and status entry; V/U."],["R008-P1-C005","No withdrawn freestanding guidance supplies an operative premise.","Codified official interpretations are identified separately. The withdrawn-guidance register was checked; no assumption is made that withdrawal of guidance repeals RESPA or deletes CFR text.","S007, S020; V/I."],["R008-P1-C006","Relevant implementation dates differ.","Original 2013 rule: January 10, 2014. Most relevant 2016 amendments: October 19, 2017. Identified successor provisions: April 19, 2018. Modified FDCPA notice amendment: October 19, 2017. Original retained COVID-deferral exception: July 1, 2020, later revised in 2025. Historical application requires its own version analysis.","S013–S017, DATES; S014 Part VI; R/V."]]},{"headers":["Claim ID","Area and precise claim","Trigger, conditions, exceptions, and limits","Source pinpoint; status"],"index":2,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Claim ID","Area and precise claim","Trigger, conditions, exceptions, and limits","Source pinpoint; status"],["R008-P1-C007","A federally related mortgage loan requires the statutory/regulatory collateral and nexus predicates.","Generally a first or subordinate lien on qualifying residential real property, including the specified one-to-four-family, condominium/cooperative, construction-placement, and manufactured-home branches. The real property must be in a “State” as defined, which includes specified U.S. territories. Personal-property-only collateral is not automatically within this definition.","S001 § 2602(1); S003 § 2(b), “Federally related mortgage loan” (1), (3), “State”; T/R."],["R008-P1-C008","The federal nexus has alternatives; federal insurance is not the only route.","Routes include federally regulated/insured lenders; federal making, insurance, guarantee, supplementation or assistance; intended sale to listed federal mortgage entities; the specified TILA creditor making/investing in residential real-estate loans aggregating more than $1 million annually, excluding State agencies/instrumentalities for that creditor route; dealer/broker and qualifying reverse-mortgage branches. Installment/land/contract-for-deed arrangements require the stated qualifying funding nexus.","S003 § 2(b), definition (1)(ii)(A)–(F), (2); S001 § 2602(1)(B); T/R."],["R008-P1-C009","Primarily business, commercial, or agricultural credit is excluded under § 5(b)(2).","Residence collateral alone does not answer purpose. The incorporated Regulation Z interpretation uses purpose factors and rental-property rules: non-owner-occupied rental credit is deemed business; expected occupancy more than 14 days prevents that particular classification. For owner-occupied rental property, acquisition of more than two units, or improvement/maintenance of more than four, has specified business treatment; smaller properties still require the applicable purpose analysis.","S003 § 5(b)(2); S010 § 3(a)(1), comments 3(a)-1, -3–5, -8; R/O."],["R008-P1-C010","Temporary financing has a qualified exclusion, not an unconditional construction-loan exclusion.","Same-lender permanent/convertible financing, financing transfer to the first user, a permanent-financing commitment, and qualifying construction terms of two years or more can remove the temporary-financing exclusion; the latter has a bona fide builder qualification. Bridge/swing loans described in § 5(b)(3) are excluded.","S003 § 5(b)(3); R."],["R008-P1-C011","Vacant-land financing has an express construction/placement exception.","The exclusion does not apply where, within two years from settlement, the proceeds will construct a structure or place a manufactured home on the real property; the secured-property qualification remains. This origination-scope rule differs from later vacancy of a principal residence.","S003 § 5(b)(4); R."],["R008-P1-C012","Transaction exclusions must not be converted into blanket extinction of servicing duties.","§ 5(b)(5): assumptions without an express lender approval right are excluded; assumptions requiring and obtaining approval are covered. § 5(b)(6): conversions consistent with the original instrument without a new note are excluded. § 5(b)(7): bona fide secondary-market transactions are excluded except for § 2605 and Subpart C. Section 5(d)’s listed partial disclosure exemptions do not list §§ 39 or 41.","S003 § 5(b)(5)–(7), (d); R/I."],["R008-P1-C013","The specific §§ 39–41 scope is narrower than all federally related mortgage loans.","Section 31 excludes open-end home-equity lines from “mortgage loan.” Section 30(b) excludes reverse mortgages and qualifying Farm Credit loans from §§ 38–41; small servicers have the separate C071 residual duties. Sections 39–41 apply only to a loan secured by the borrower’s principal residence. Vacancy does not necessarily end principal-residence status; facts and applicable State law matter.","S004 §§ 30(b), (c)(2), 31; S007 comments 30(b)-1, 30(c)(2)-1; S010 § 33(a); S011; R/O/U."],["R008-P1-C014","“Servicer” concerns responsibility for servicing, including an owner/originator that actually services.","Section 2605(i)(2) and § 2(b) contain specified agency exceptions. The regulation separately addresses FDIC assets/receivership and NCUA assets/conservatorship/liquidation, and listed FNMA, Freddie Mac, FDIC, HUD/GNMA/FHA, NCUA, Farm Service Agency and VA circumstances following specified termination-for-cause, servicer bankruptcy, or supervisory proceedings. These are not a general exemption for every government-related loan or private servicer. “Servicing” generally includes receipt and application/disbursement of scheduled payments.","S001 § 2605(i)(2)–(3); S003 § 2(b), “Servicer,” “Servicing”; T/R."],["R008-P1-C015","Ordinary small-servicer status requires both a count and an ownership/origination connection.","Under § 1026.41(e)(4)(ii)(A), the servicer and affiliates service 5,000 or fewer counted loans, and each is owned or originated by the servicer or an affiliate. Holding servicing rights alone does not satisfy ownership/origination. A subservicer gets the exemption only if both it and the master servicer qualify.","S009 § 41(e)(4)(ii)(A); comments 41(e)(4)(ii)-1–3; R/O."],["R008-P1-C016","HFA and specified nonprofit status are alternative small-servicer routes.","The HFA route incorporates the public-body/agency/instrumentality definition in 24 CFR 266.5 and does not state the ordinary 5,000-loan cap. The nonprofit route requires the specified IRS § 501(c)(3) ruling/determination, 5,000 or fewer serviced loans, including associated-nonprofit servicing, and origination by it or an associated nonprofit; association requires the specified common name/mark and charitable-purpose agreement. Mere ownership is insufficient for that nonprofit route.","S009 § 41(e)(4)(ii)(B)–(C), comment -4; S012 HFA definition; R/O."],["R008-P1-C017","Small-servicer counting and transition rules have their own predicates.","Count closed-end consumer dwelling-secured transactions, not only principal-residence loans within this component. Evaluate January 1 and the remainder of the year; loss of qualification allows six months or until next January 1, whichever is later, to comply with formerly exempt requirements. Exclusions include uncompensated voluntary nonaffiliate servicing, reverse mortgages, timeshares, and servicing for a seller financer satisfying all § 36(a)(5) criteria: natural person/estate/trust; one owned and securing property in 12 months; no ordinary-course construction; no negative amortization; fixed rate or adjustment only after at least five years with the stated reasonable limits and index conditions.","S009 § 41(e)(4)(iii) and comments; S010 § 36(a)(5); R/O."],["R008-P1-C018","A qualifying successor is defined through five transfer categories; not every occupant or transferee is automatically a borrower.","Categories: devise/descent/operation of law on death of a joint tenant or tenant by the entirety; relative’s transfer resulting from borrower death; spouse/children becoming owners; specified divorce/separation/property-settlement transfer to a spouse; qualifying inter vivos trust with borrower remaining beneficiary and no occupancy-right transfer. Confirmation requires servicer confirmation of identity and ownership. Section 31 does not supply a universal free-standing definition making every interested person a “borrower.”","S004 § 31, “Successor in interest,” “Confirmed successor in interest”; R/U."],["R008-P1-C019","A confirmed successor is treated as a borrower without requiring assumption of the debt.","Section 30(d) and its comments preserve the principal-residence and other procedural predicates. This regulatory treatment does not itself decide contractual liability, title, or State-law assumption. The servicer may not require assumption merely to recognize this borrower status.","S004 § 30(d); S007 comments 30(d)-1–3; R/O."],["R008-P1-C020","A potential successor’s application has a distinct confirmation-date branch.","The servicer may evaluate before confirmation. If it elects not to, it must preserve the application/documents and, upon confirmation, treat receipt as occurring on the confirmation date, subject to remaining scope conditions; stale documents must be identified under the applicable acknowledgment rule. A preconfirmation review counts for the repeat-review exception only with full compliance and no different result attributable to confirmation. Confirmation policies must be prompt and must not unreasonably interfere with loss mitigation.","S007 comment 41(b)-1; comments 38(b)(1)(vi)-1–5; S008 § 38(b)(1)(vi); R/O."],["R008-P1-C021","The optional successor acknowledgment procedure can suspend specified communications, including § 39, without suspending § 41.","It applies to a confirmed successor not personally liable only if the servicer supplies the compliant notice and separate acknowledgment: confirmation, nonliability/qualified lien explanation, notices, request/understanding acknowledgment, no return deadline, and specified remaining rights. Until acknowledgment or assumption, the listed communication duties are excepted. Section 41 is not listed. Duplicate § 39 contact/disclosure may also be unnecessary when provided to another borrower as specified.","S004 § 32(c)(1)–(4); S007 § 32(c) comments; R/O/I."],["R008-P1-C022","In Subpart C, “day” means calendar day unless the particular provision expressly excludes days.","Delinquency begins when a periodic amount sufficient for principal, interest and applicable escrow becomes due and unpaid, and lasts until no periodic payment is due and unpaid. A late-fee grace period does not postpone that starting predicate.","S004 § 31; S007 “Delinquency”-1; R/O."],["R008-P1-C023","Payment application can change the delinquency starting date.","Applying a later payment to the oldest unpaid periodic payment advances the relevant date. A servicer choosing a payment tolerance cannot treat the same billing-cycle shortfall as nondelinquent for one Subpart C section while treating it as delinquent for another. Contractual acceleration is not generally barred by these provisions; its validity and accounting are held.","S007 “Delinquency”-2–4; O/U."],["R008-P1-C024","A loss-mitigation application can be oral and can arise before a formal package is complete.","A request plus information required for evaluation can be an application, including qualifying prequalification requests and authorized-agent submissions. A bare request for general information, without evaluative information, is not necessarily an application. Application and complete application remain different triggers.","S004 § 31; S007 “Loss mitigation application”-1, comments 41(b)(1)-2–3; R/O."],["R008-P1-C025","“Available” options are those available through the servicer from the relevant owner/assignee.","An option may be available to apply for even if the applicant ultimately fails its criteria. Another investor’s options serviced on the same platform are not automatically available. Pilot, geography, participation and other applicable program conditions remain relevant.","S004 § 31; S007 “Loss mitigation option”-1–2; comments 41(c)(1)-1–3; R/O."]]},{"headers":["Claim ID","Area and precise claim","Trigger, conditions, exceptions, and limits","Source pinpoint; status"],"index":3,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Claim ID","Area and precise claim","Trigger, conditions, exceptions, and limits","Source pinpoint; status"],["R008-P1-C026","RESPA supplies rulemaking authority; § 41 expressly references an enforcement route but guarantees no particular option.","Section 2605(j)(3), (k)(1)(E) support regulatory servicing obligations. Section 41(a) references § 2605(f), but does not require a modification or other specific option and does not create an investor-contract enforcement right. Section 2605(f)’s causation, pattern/practice, court, successful-action, and correction/nonliability conditions are not automatic awards. No private cause under every adjacent section, standing, injunction, or individual remedy is determined.","S001 § 2605(f), (j)(3), (k)(1)(E); S006 § 41(a); T/R/U."],["R008-P1-C027","Ordinary live-contact duty arises by the 36th delinquency day and repeats by reference to subsequent payment due dates.","The servicer must establish, or make good-faith efforts to establish, live contact no later than day 36, and again no later than 36 days after each payment due date while delinquency continues. After actual live contact, information about available loss mitigation must be supplied promptly if appropriate.","S005 § 39(a); R."],["R008-P1-C028","Live contact and good-faith efforts are not identical.","Telephone or in-person conversation qualifies; a recorded message is not itself live contact. Borrower-initiated contact or an authorized representative can qualify. Good-faith efforts are circumstances-dependent, without a universal call-count rule. A payment curing the relevant delinquency before the 36-day period ends can remove that contact trigger.","S007 comments 39(a)-1.iv, -2–5; O."],["R008-P1-C029","Ordinary written notice uses a 45-day trigger and a distinct 180-day repeat rule.","Notice is due by day 45, and by 45 days after each due date while delinquent, but is not required more than once in 180 days. If at least 45 days delinquent at the end of that interval, another notice is due no later than 180 days after the prior notice; if less than 45 days delinquent then, use 45 days after the payment due date for which delinquency remains.","S005 § 39(b)(1); S007 comments 39(b)(1)-1–4; R/O."],["R008-P1-C030","The ordinary written notice has specified minimum content, not a guarantee of approval or an application deadline.","It encourages contact; supplies the assigned-personnel telephone number and mailing address; gives applicable examples of options and application instructions or how to obtain them; and supplies the specified CFPB/HUD counseling-list website and HUD telephone information. It must satisfy § 32’s clear, conspicuous, retainable writing requirements. Models are optional. Section 40(a) separately requires reasonably designed assignment/contact policies by the written notice and no later than delinquency day 45.","S005 § 39(b)(2)–(3); S004 § 32(a); S008 § 40(a); S007 § 39(b)(2) comments; R/O."],["R008-P1-C031","Certain ongoing loss-mitigation circumstances satisfy or alter § 39 duties without rewriting every delinquency rule.","Ongoing § 41 contact or the specified no-options determination can satisfy § 39(a); a new delinquency after cure requires resumed compliance. Performing an agreed option designed to cure prior missed payments is treated as nondelinquent for § 39. Oral loss-mitigation information does not by itself replace the written notice.","S007 comments 39(a)-1.ii, -6; 39(b)(1)-4; O."],["R008-P1-C032","Section 39 has narrow transfer interactions independently read here.","A transferee generally cannot rely on a predecessor’s preceding 180-day notice interval, subject to the notice given within 45 days of transfer qualification. Separately, during the specified 60-day transfer period, documented timely payments misdirected to the old servicer can mean no delinquency for § 39. These are not a transfer-notice audit or a universal suspension of payment/application duties.","S007 comments 39(b)(1)-5; 39(a)-1.iii; O."],["R008-P1-C033","Bankruptcy creates partial early-intervention exemptions at the loan level.","While any borrower is a debtor in bankruptcy, § 39(a) live contact is excepted. Written notice is also excepted if no option is available or the qualifying FDCPA cease-communication condition applies. “Available” does not mean already proven eligible.","S005 § 39(c)(1)(i)–(ii); S007 comments 39(c)(1)-1 and (ii)-1–2; R/O."],["R008-P1-C034","If the bankruptcy written-notice exemption does not apply, the modified notice has a separate clock and content restriction.","Already delinquent at petition: by 45 days after filing the petition. Later delinquency: by its 45th day. This applies despite a notice in the preceding 180 days. No payment request; not required more than once in the same bankruptcy case. Applicable bankruptcy law or court orders may require adaptation.","S005 § 39(c)(1)(iii); S007 comments 39(c)-1–2, 39(c)(1)(iii)-1, 39(c)(2)-1; R/O."],["R008-P1-C035","Resumption after bankruptcy has specified events and a discharge qualification.","Ordinarily resume after the next payment due date following the earliest dismissal, closure, or reaffirmation. Following the specified discharge of personal liability, live contact need not resume; written notice must resume if any partial or periodic payment was made after commencement. Reopening does not automatically require a second notice for the same case. Actual discharge, orders, and stay effects are held.","S005 § 39(c)(2); S007 comment 39(c)(2)-1; R/O/U."],["R008-P1-C036","The FDCPA partial exemption requires applicability to the servicer with respect to the particular loan and a qualifying notification.","Section 805(c) concerns written refusal-to-pay or cease-communication notification; mailed notification is complete upon receipt. Section 39(d) then exempts live contact, and exempts written notice if no option is available or any borrower is in bankruptcy. An ordinary application, payment dispute, or preference for email is not assumed to meet this trigger.","S002 § 1692c(c); S005 § 39(d)(1)–(2); T/R/U."],["R008-P1-C037","The FDCPA modified written notice uses a prohibition on repetition and a 190-day outer branch.","Where notice remains required, include the specified may/intends-to-foreclose statement and no payment request. It is prohibited more than once in 180 days. If at least 45 days delinquent at interval end, repeat by day 190 after the prior notice; otherwise by the later of 45 days after the relevant unpaid due date or that day 190. Comment 39(d)-2 permits the required modified notice and borrower-initiated loss-mitigation assistance under § 805(c), while preserving other FDCPA restrictions.","S005 § 39(d)(3); S015; S007 comments 39(d)-1–2; R/O."],["R008-P1-C038","An early-intervention exception is not automatically a loss-mitigation or foreclosure exception.","The bankruptcy, FDCPA, and successor-acknowledgment provisions identify particular communication duties. Their existence does not itself eliminate otherwise applicable § 41 protections. Independent § 30 scope exclusions, small-servicer treatment, and other laws must still be examined.","S004 § 32(c); S005 § 39(c)–(d); S006; I, from the provisions’ distinct scope."]]},{"headers":["Claim ID","Area and precise claim","Trigger, conditions, exceptions, and limits","Source pinpoint; status"],"index":4,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Claim ID","Area and precise claim","Trigger, conditions, exceptions, and limits","Source pinpoint; status"],["R008-P1-C039","Completeness turns on actual receipt of all information required from the borrower, with reasonable diligence by the servicer.","The servicer must promptly seek missing information and consider material already transferred. It cannot stop collecting for remaining available options solely because the borrower prefers another option; confirmed ineligibility under applicable criteria can end collection for a particular option. Missing information outside borrower control does not itself make the borrower’s application incomplete.","S006 § 41(b)(1); S007 comments 41(b)(1)-1, -4–5; R/O."],["R008-P1-C040","Initial receipt at least 45 days before sale triggers prompt review and a five-day acknowledgment.","At 45 days or more, promptly review completeness and provide written acknowledgment within five days excluding legal public holidays, Saturdays and Sundays. State complete/incomplete; if incomplete, identify missing documents/information and the reasonable date. Include the statement about considering other servicers of loans secured by the same property. No scheduled sale is treated as satisfying this 45-day gate.","S006 § 41(b)(2)(i); S007 comment 41(b)(2)(i)-1; R/O."],["R008-P1-C041","The disclosed completion date must be reasonable, with milestone constraints and a seven-day minimum.","Thirty days after providing the acknowledgment is generally reasonable, subject to the earliest relevant document-staleness date, delinquency day 120, 90 days before sale, or 38 days before sale. The reasonable date must never be less than seven days after provision of the notice. This is not an unconditional 30-day borrower entitlement or a universal foreclosure pause through the disclosed date.","S006 § 41(b)(2)(ii); S007 comments 41(b)(2)(ii)-1–3; transfer qualification in 41(k)(2)(ii)-3; R/O/I."],["R008-P1-C042","Sale-distance protections use a receipt-date snapshot.","Determine sale-distance protection as of receipt of the complete application. If no sale is then scheduled, treat it as received more than 90 days before sale. Protections that attached remain after later scheduling/rescheduling. A postponement is not assumed to retroactively cure an originally late submission; any new qualifying receipt or other rule requires separate analysis.","S006 § 41(b)(3); S007 comments 41(b)(3)-1–2; last sentence I/U."],["R008-P1-C043","A complete application received more than 37 days before sale ordinarily triggers evaluation and determination within 30 calendar days.","Evaluate all available options and provide a written determination, including applicable acceptance/rejection period and modification-appeal right, time and requirements. The external-information exception in (c)(4)(ii) and transfer provisions must be checked. Exactly 37 days does not meet this ordinary gate.","S006 § 41(c)(1); R."],["R008-P1-C044","Incomplete-application offers cannot be used to evade complete-application evaluation.","The operative exceptions are (c)(2)(ii), (iii), and (v). The interpretation separately permits offers without an application or without evaluating information supplied with an incomplete application; that is not permission to disregard duties already triggered by a qualifying application.","S006 § 41(c)(2)(i); S007 comments 41(c)(2)(i)-1–2; R/O/I."],["R008-P1-C045","A significantly stalled incomplete application may be evaluated at the servicer’s discretion under a specific exception.","The servicer must have exercised reasonable diligence; incompleteness must persist for a significant period under the circumstances without further borrower progress. The resulting evaluation/offer is not a complete-application review for the repeat-review limitation. “Significant” is contextual, not a universal fixed waiting period.","S006 § 41(c)(2)(ii); S007 comment 41(c)(2)(ii)-1; R/O."],["R008-P1-C046","Short-term forbearance and repayment exceptions have different definitions.","Forbearance covers payments due over no more than six months, regardless of the later makeup period. A short-term repayment plan addresses no more than three months of past-due payments, repaid over no more than six months. These numerical limits identify this exception, not all possible programs.","S007 comments 41(c)(2)(iii)-1, -4; S006 § 41(c)(2)(iii); R/O."],["R008-P1-C047","A qualifying short-term offer based on an incomplete application creates notice and performance protections.","Unless rejected, promptly provide written payment terms/duration, incomplete-application basis, possible other options, and ability to complete an application regardless of acceptance. “Promptly” generally means within five excluded-days after offering. While the agreed program/plan is being performed, no first notice/filing, motion for judgment/order of sale, or sale. Other applicable application duties continue; diligence can be suspended in the limited compliant/no-further-assistance circumstance, with the prescribed resumption and pre-end contact.","S006 § 41(c)(2)(iii); S007 comments 41(c)(2)(iii)-2–3, -5–6; 41(b)(1)-4.iii; R/O."],["R008-P1-C048","Retained § 41(c)(2)(v) permits a specified COVID-related deferral option based on incomplete information only if all conditions hold.","Covered amounts can be delayed until refinancing, property sale, the existing loan term’s end, or FHA insurance termination as specified; covered amounts include the stated COVID-related forborne/due-unpaid principal and interest. Deferred amounts bear no interest; no option fee; existing late charges, penalties, stop-payment and similar charges are promptly waived on acceptance; acceptance ends pre-existing delinquency. Only then does (B) relieve (b)(1)–(2) duties for applications preceding that offer. No program availability or hardship eligibility is determined.","S006 § 41(c)(2)(v)(A)(1)–(3), (B); C003’s definition gap; R/U."],["R008-P1-C049","Facially complete applications receive specified protective treatment, not one universal completion date for every purpose.","Facial completeness arises when all listed missing material is submitted, no more material is requested in the acknowledgment, or the complete-application notice becomes required. Later-discovered missing/corrected material must be requested promptly; treat the application as complete for (f)(2) and (g) during a reasonable opportunity to cure. Timely completion relates back for (d), (e), (f)(2), (g), (h), but (c) uses actual completion. Failure to complete within the reasonable opportunity leaves it incomplete.","S006 § 41(c)(2)(iv); S007 comments 41(c)(2)(iv)-1–2; R/O."],["R008-P1-C050","The complete-application notice is a separate five-excluded-day duty, with express exceptions.","It states completeness, actual receipt date, expected 30-day evaluation, applicable pre-/post-first-filing protection, potential later information requests/reasonable opportunity/consequences, and possible additional law. Exceptions: prior complete acknowledgment without later correction request; application neither complete nor facially complete more than 37 days before sale; or already-provided determination. Recompletion generally requires a new notice unless an exception applies.","S006 § 41(c)(3)(i)–(ii); S007 comments 41(c)(3)(i)-1–3; R/O."],["R008-P1-C051","Information outside borrower control requires servicer diligence, including information within the servicer’s own control.","The servicer must request it promptly and, to the extent practicable, in time for the 30-day evaluation. It must complete all possible evaluation steps within that period. Its own missing work is not automatically a third-party-delay exception.","S006 § 41(c)(4)(i); S007 comments 41(c)(4)(i)-1, 41(c)(4)(ii)-1; R/O."],["R008-P1-C052","True third-party delay has a notice and continuing-effort branch.","If information from a party other than the borrower or servicer prevents determination within 30 days, provide the specified delay notice within that period or promptly afterward: missing specific information, request made, and prompt completion when received. Heighten efforts after 30 days; do not issue the final determination before receipt except under C053. Promptly determine once received.","S006 § 41(c)(4)(ii)(B)–(C); S007 comment 41(c)(4)(i)-2; R/O."],["R008-P1-C053","Denial solely for unavailable outside information is ordinarily prohibited; the exception is narrow.","Reasonable diligence; a significant period after the 30-day period; information from neither borrower nor servicer; and applicable owner/assignee requirements making determination impossible without it are required. The servicer may then deny with the prescribed determination and copy of the delay notice. Denial is permitted, not compelled; no fixed “significant period” is invented.","S006 § 41(c)(4)(ii)(A); S007 comment 41(c)(4)(ii)-2; R/O."],["R008-P1-C054","A modification-denial notice must give the actual specific reasons for each denied trial or permanent modification option.","Identify the investor/guarantor and specific requirement when that is the basis; generic “investor restriction” is insufficient. For an NPV denial disclose calculation inputs. Waterfall treatment has its specified explanation allowance. Disclose criteria actually causing denial and, where applicable, that other criteria were not evaluated. Offering another option does not erase a modification denial.","S006 § 41(d); S007 comments 41(d)-1–4; R/O."]]},{"headers":["Claim ID","Area and precise claim","Trigger, conditions, exceptions, and limits","Source pinpoint; status"],"index":5,"links":[],"row_links":[[],[],[],[],[],[],[]],"rows":[["Claim ID","Area and precise claim","Trigger, conditions, exceptions, and limits","Source pinpoint; status"],["R008-P1-C055","The ordinary offer-response periods constrain how soon the servicer may demand a response.","Complete receipt 90 days or more before sale: no earlier than 14 calendar days after providing the offer. Complete receipt less than 90 but more than 37 days before sale: no earlier than seven calendar days. These are minimum permitted periods, not proof of the actual offer’s expiry.","S006 § 41(e)(1); R."],["R008-P1-C056","Nonacceptance may be deemed rejection, subject to specified qualifications.","The actual deadline must comply with (e)(1). Timely submission of trial-plan payments requires a reasonable extra period to complete remaining acceptance requirements. A qualifying appeal has the separate extension in C060.","S006 § 41(e)(2)(i)–(ii); R."],["R008-P1-C057","Appeal eligibility concerns trial/permanent modification denials and has two alternative timing routes.","Complete application received 90 days or more before sale, or during the period set forth in (f). It is not a universal appeal for every option denial. An application received after first filing with only 38–89 days remaining does not qualify through the 90-day route merely because the >37-day evaluation gate is met.","S006 § 41(h)(1); R/I."],["R008-P1-C058","The appeal provision supplies a 14-day making window; it does not itself universally say the appeal must be written.","Section (h)(2) requires permitting an appeal within 14 days after the servicer provides the offer pursuant to (c)(1)(ii). The determination must disclose applicable appeal requirements. Do not replace “provides,” “makes,” or the disclosed requirements with an invented mailing/receipt presumption. The exact appeal method and deadline in any actual notice remain unknown.","S006 §§ 41(c)(1)(ii), (h)(2); R/U."],["R008-P1-C059","Appeal review requires different personnel and a timely determination notice.","A supervisor may review if not directly involved in the original evaluation. Within 30 calendar days of the borrower making the appeal, provide the determination and applicable response period. Acceptance cannot be required earlier than 14 days after provision of that notice. No further appeal is required under this paragraph. The notice is subject to § 32’s writing rule.","S006 § 41(h)(3)–(4); S007 comment 41(h)(3)-1; S004 § 32(a); R/O."],["R008-P1-C060","A qualifying appeal extends the acceptance period for the offered loss-mitigation option.","The acceptance deadline is extended until 14 days after the (h)(4) notice is provided. This does not itself extend an unrelated court-response, assistance-program, or other contractual deadline.","S006 § 41(e)(2)(iii), (h)(4); R/I."]]},{"headers":["Claim ID","Area and precise claim","Trigger, conditions, exceptions, and limits","Source pinpoint; status"],"index":6,"links":[],"row_links":[[],[],[],[],[],[],[],[],[]],"rows":[["Claim ID","Area and precise claim","Trigger, conditions, exceptions, and limits","Source pinpoint; status"],["R008-P1-C061","The ordinary first-notice/filing restriction uses more than 120 days delinquent.","Section (f)(1) also permits the threshold exception where foreclosure is based on a due-on-sale violation, or the servicer is joining a superior/subordinate lienholder’s foreclosure. These are exceptions to (f)(1), not automatic exceptions to every other protection. No current general abandoned-property exception appears in (f)(1).","S006 § 41(f)(1)(i)–(iii); S017 deletion of (f)(3); R/I."],["R008-P1-C062","Identifying the first notice or filing requires the applicable State foreclosure procedure.","Judicial: earliest required court/judicial-body filing commencing the proceeding. Nonjudicial with recording/publication: earliest required recorded/published initiating document. Neither court filing nor recording/publication: earliest document setting/scheduling sale. A private borrower letter is not first solely because it later becomes an attachment. No actual State or document was classified.","S007 comment 41(f)-1.i–iv; O/U."],["R008-P1-C063","A complete application before first notice/filing creates an additional restriction under (f)(2).","Receipt during the preforeclosure review period or before first notice/filing prevents that initiating act until a listed release condition is met. Merely exceeding 120 days does not eliminate this additional restriction. The post-filing >37-day formulation must not be mechanically substituted for this clause.","S006 § 41(f)(2); R/I."],["R008-P1-C064","The release conditions in (f)(2) and (g) are alternatives with distinct evidence predicates.","First: a compliant no-available-option determination, plus appeal inapplicability, expired unused appeal opportunity, or denied appeal. Second: rejection of all offered options. Third: failure to perform an agreed option. One denial, one rejected offer, or a conclusory “review closed” label does not prove the applicable condition. Short-sale marketing/listing performance and approved-sale qualifications also matter.","S006 §§ 41(f)(2)(i)–(iii), (g)(1)–(3); S007 comments 41(g)(3)-1–2; R/O/I."],["R008-P1-C065","After first notice/filing, a complete application received more than 37 days before sale restricts specified later acts.","Until a C064 release condition is met, the servicer may not move for foreclosure judgment or order of sale, or conduct the sale. Receipt after first filing can therefore still matter; it does not undo the already-made first filing.","S006 § 41(g); R/I."],["R008-P1-C066","The later-act restriction includes dispositive motions and requires action through counsel when necessary.","Default, pleadings, and summary-judgment motions can qualify. For a previously pending motion, the interpretation requires reasonable steps to avoid a ruling/order during protected review; it does not promise the steps will succeed. The servicer must promptly instruct counsel and cannot avoid its duty because counsel failed to act. A sale can violate (g) even if someone else administers it.","S007 comments 41(g)-1, -3, -5; S008 § 38(b)(3); O."],["R008-P1-C067","Section 41(g) does not stop every step in a foreclosure proceeding.","Publication, arbitration, mediation and other steps may continue if they do not cause or directly result in a prohibited judgment/order/sale. The rule does not determine State answer/service deadlines, sale validity, court jurisdiction, redemption, standing, or an automatic injunction. Those are uninvestigated, independent questions.","S007 comment 41(g)-2; S006 § 41(a), (g); O/I/U."],["R008-P1-C068","A post-filing application with 37 or fewer days remaining does not ordinarily receive the >37-day procedural protection merely because it was submitted.","The specific transfer exception C076 must be checked, as must previously attached/facial protections. Section 38(b)(2)(v) separately requires policies implementing applicable owner/assignee evaluation requirements, including potentially late applications. No actual State or investor requirement is supplied here.","S006 §§ 41(c)(1), (g), (k)(2)(ii)(B); S007 comment 41(g)-4 and 38(b)(2)(v)-1; R/O/U."]]},{"headers":["Claim ID","Area and precise claim","Trigger, conditions, exceptions, and limits","Source pinpoint; status"],"index":7,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Claim ID","Area and precise claim","Trigger, conditions, exceptions, and limits","Source pinpoint; status"],["R008-P1-C069","The duplicative-application exception is not a lifetime one-application rule.","The same servicer must previously have fully complied for a complete application, and delinquency must have continued at all times since it was submitted. Cure followed by a new delinquency requires renewed applicable compliance. A discretionary incomplete review is not enough.","S006 § 41(i), (c)(2)(ii); S007 comment 41(i)-1; R/O."],["R008-P1-C070","Changed facts and a different servicer require separate treatment.","Changed financial circumstances alone do not expressly reset § 41(i)’s continuous-delinquency exception. Applicable investor requirements may nevertheless require reevaluation through § 38 policies. A transferee is a different servicer and cannot simply invoke the predecessor’s completed review as its own § 41(i) exception.","S007 comments 38(b)(2)(v)-1, 41(i)-2; S008 § 38(b)(2)(v); O/I."],["R008-P1-C071","A qualifying small servicer retains important foreclosure restrictions.","It remains subject to (f)(1). It also cannot make first notice/filing, move for judgment/order of sale, or sell while the borrower performs an agreed loss-mitigation option. It is otherwise exempt from the full § 41 procedures through § 30(b)(1); a complete application alone does not import all ordinary evaluation/appeal duties.","S004 § 30(b)(1); S006 § 41(j); R."],["R008-P1-C072","Pending applications generally carry across a servicing transfer with their existing rights and clocks.","Pending means subject to § 41 and not fully resolved; a fully denied application with expired appeal opportunity may not be pending. Except for (k)(2)–(4), use the predecessor’s receipt-based timeframes. Rights under (c)–(h) continue. If the predecessor was not subject to § 41 for the application, the interpretation supplies a transfer-date receipt rule for (b) and (c).","S006 § 41(k)(1)(i); S007 comments 41(k)-1, 41(k)(1)(i)-1; R/O."],["R008-P1-C073","The application-transfer date and document receipt dates must be distinguished.","For (k), transfer date is when the new servicer begins accepting payments as disclosed under § 33(b)(4)(iv); it is not necessarily the first-payment-due date or servicing-sale date. Documents received by the predecessor, including after transfer, must be transferred/obtained and can preserve their receipt date for (c)–(h). Already-provided notices need not be duplicated.","S006 § 41(k)(1)(ii); S007 comments 41(k)(1)(i)-1–3, 41(k)(1)(ii)-1; S008 § 38(b)(4); R/O."],["R008-P1-C074","A transfer during an unexpired, unperformed acknowledgment period produces a ten-excluded-day acknowledgment clock.","Both predicates matter: the original acknowledgment period has not expired at transfer, and the old servicer has not supplied the notice. The new servicer then provides it within 10 days excluding legal public holidays, Saturdays and Sundays, from transfer. This is not the clock for every transferred application.","S006 § 41(k)(2)(i); R."],["R008-P1-C075","That particular transfer-acknowledgment branch protects the disclosed reasonable-date interval.","The transferee cannot make first notice/filing until after the disclosed reasonable date, notwithstanding (f)(1). Completion on or before that date is treated as completion during the preforeclosure period for (f)(2). Existing protections, including a later applicable 120-day threshold, are not removed.","S006 § 41(k)(2)(ii)(A); S007 comments 41(k)(2)(ii)-1–3; R/O."],["R008-P1-C076","The same transfer branch can override the ordinary >37-day gate for specified provisions.","If completion reaches either servicer 37 or fewer days before sale but on or before the disclosed reasonable date, the transferee must comply with (c), (d), and (g). This provision does not itself give every such application a new appeal right or erase an already-existing right.","S006 § 41(k)(2)(ii)(B); S007 comment 41(k)(2)(ii)-2; R/O."],["R008-P1-C077","A complete application pending at transfer has a specified new evaluation deadline.","The transferee must comply with applicable (c)(1) and (c)(4) within 30 calendar days of transfer. That clock does not reset the application’s protective receipt date or authorize prohibited foreclosure acts.","S006 § 41(k)(3), (k)(1); R/I."],["R008-P1-C078","Changes in completion criteria on transfer do not simply erase the old completion status.","Complete under the old criteria but incomplete under the new criteria: preserve facial completeness from the original complete/facial date, request needed material, and apply the facial-completeness rules. Incomplete under old criteria but complete under new: treat as pending complete at transfer for the 30-day transfer clock; (c)–(h) use the predecessor’s receipt of the completing material, and the notice identifies that date.","S007 comments 41(k)(1)(i)-2, 41(k)(3)-1–2; S006 § 41(c)(2)(iv); O/R."],["R008-P1-C079","A transferee able to decide a pending or timely post-transfer appeal has a later-of deadline.","Determine the appeal and provide the (h)(4) notice within 30 days after transfer or 30 days after the borrower made the appeal, whichever is later. An appeal sent to the predecessor after transfer must be transferred/obtained under the applicable policies.","S006 § 41(k)(4), (i); S007 comment 41(k)(4)-1; R/O."],["R008-P1-C080","A transferee unable to decide the appeal must treat it as a pending complete application.","Evaluate all options available through the transferee. For (c) or (k)(3), completion is the first receipt of the appeal by either servicer. For (e)–(h), preserve the original facial/complete date with the predecessor. The interpretation identifies missing records or an unavailable predecessor program as possible reasons for inability, not automatic dismissal of the appeal.","S006 § 41(k)(4)(ii); S007 comment 41(k)(4)-2; R/O."],["R008-P1-C081","Transfer preserves an unexpired offer-response period rather than creating an automatic new full period.","The transferee must permit acceptance/rejection during the unexpired balance under (e) or (h). The appeal-transfer interpretation also preserves the ability to accept an outstanding predecessor option even where the transferee does not ordinarily offer it.","S006 § 41(k)(5); S007 comment 41(k)(4)-2; R/O."]]},{"headers":["Event required","Actor obligated","Scope predicate","Clock starts","Counted-day standard","Actual rule window","Action legally constrained","What does not pause by this rule alone","Evidence unknown","Other competing deadline held"],"index":8,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Event required","Actor obligated","Scope predicate","Clock starts","Counted-day standard","Actual rule window","Action legally constrained","What does not pause by this rule alone","Evidence unknown","Other competing deadline held"],["Continuing early delinquency","Servicer","§ 39 scope; no applicable communication exemption","Relevant unpaid periodic-payment due date","Calendar","Live contact/good-faith effort by day 36; repeat by 36 after each due date","Failure to undertake required contact effort","Court response, contractual cure, separate application windows","Due date, payments, attempts, actual contact","Court/service, contract, assistance"],["Written early intervention","Servicer","§ 39 scope; ordinary branch","Delinquency and relevant due date; prior notice for repeat branch","Calendar","Day 45; ordinary 180-day frequency formula","Required notice timing/content","No automatic extension to submit an application or answer a complaint","Notice provision, content, continued delinquency","Court/service, offer and assistance expiry"],["Proposed first foreclosure notice/filing","Servicer","Applicable § 41(f)(1), including small servicer; check exceptions","Delinquency date under § 31","Calendar","Ordinarily only once more than 120 days delinquent","First legally qualifying notice/filing","Contract acceleration or separate obligations are not generally decided","Payment application; legal first-act identity; due-on-sale/joining basis","State initiation/cure, contract"],["Initial application received","Servicer","Full scope; receipt 45 days or more before sale, or no scheduled sale","Actual application receipt","Five excluded-days; prompt initial review","Written acknowledgment within five excluded-days","Completeness review and acknowledgment","No blanket foreclosure freeze from an incomplete submission","Receipt, contents, then-scheduled sale, missing-item list","First-filing, sale, assistance"],["Missing-information date disclosed","Servicer sets reasonable date; applicant may complete","Applicable acknowledgment branch","Notice provision","Calendar","Generally 30; milestone limits; never less than seven","Unreasonable disclosure date","Ordinary disclosure alone does not create a universal pause through that date","Staleness, delinquency day 120, sale milestones","Other completion, court and sale deadlines"],["Complete application well before sale","Servicer","Full scope; complete receipt more than 37 days before sale","Actual complete receipt, subject to facial/transfer rules","Calendar","Evaluation/determination within 30, subject to external-information exception","Required review and notice; applicable (f)(2)/(g) acts","Other court steps and borrower response deadlines","All required borrower material; available options","Court response, offer, other assistance"],["Application becomes complete","Servicer","§ 41(c)(3) and its exceptions","Complete receipt/recompletion","Five excluded-days","Complete-application notice within five excluded-days","Notice content/timing","No independent new universal application or court-response period","Prior notices, corrected material, facial date","Existing sale/court and offer dates"],["Facially complete; correction requested","Servicer","Facial conditions met; (f)(2)/(g) otherwise applicable","Facial completion; later prompt request","Fact-dependent reasonable opportunity","Protect during reasonable opportunity; relation-back if timely completed","Specified foreclosure acts during protected interval","Does not automatically start every clock at the facial date","Missing/corrected item, reasonable time, actual completion","Court response, correction opportunity"],["True third-party information missing","Servicer","Complete application; outside party is neither borrower nor servicer","Complete receipt and requests","Calendar; “promptly”/“significant period” are contextual","All possible steps within 30; delay notice within 30 or promptly after; heightened efforts","Premature denial/final determination; applicable foreclosure restrictions","No unlimited extension of every borrower deadline","Source/control of information, diligence, investor requirement","Court, offer, assistance"],["Complete application before first filing","Servicer","Full scope; (f)(2) timing","Complete receipt before initiating act","Event-based","Until a specified release condition","First notice/filing","No general adjudication of State limitations, cure, or acceleration","Completion, first-act status, appeal/offer/performance","State initiation and contract clocks"],["Complete application after first filing","Servicer, including through counsel","Full scope; complete more than 37 days before sale","Complete receipt","Event-based; related review/appeal periods separately counted","Until a specified release condition","Judgment/order-of-sale motion and sale","Permitted intermediate foreclosure steps; court answer deadline","Filing identity/date, scheduled sale, pending motions","Court/service, State sale procedure"],["Post-filing completion at 37 days or fewer","Servicer only to extent another applicable branch requires","Ordinary >37 gate absent; check facial, prior rights, transfer exception","Actual completion and then-scheduled sale","Calendar comparison","No ordinary (c)(1)/(g) entitlement solely from that late receipt","Any independently applicable restriction only","Sale is not presumed paused","Original receipt, earlier facial status, transfer, investor rules","Sale, court, other program deadlines"],["Offer after protected evaluation","Servicer permits response; borrower may elect","Complete ≥90, or <90 and >37","Offer provision","Calendar","At least 14, or at least seven, respectively","Premature response cutoff/deemed rejection","Unrelated assistance or court deadlines","Actual offer terms/provision and applicable gate","Offer expiry, trial payments, court"],["Qualifying modification appeal","Servicer permits/reviews; borrower may elect appeal","Complete ≥90 or during (f); eligible denial","Provision of (c)(1)(ii) offer; then borrower making appeal","Calendar","14 to make appeal; 30 to determine; at least 14 after determination to respond","Premature closure; applicable foreclosure release","Court appeal/answer, unrelated offers","Method requirements, making date, eligible denial","Court/service; acceptance terms"],["Repeat application","Servicer","Same-servicer prior full compliance plus continuous delinquency must be established for exception","Prior complete receipt and subsequent payment history","No universal new fixed clock from repetition alone","Applicable duties resume if exception fails","Improper use of one-review exception","Changed facts alone do not establish a general pause","Prior compliance, cure, new delinquency, owner requirements","Court, sale, other review windows"],["Small-servicer agreed option being performed","Small servicer","Valid small-servicer status; performance under agreement","Agreement/performance","Event-based; separate >120 rule","While performing; (f)(1) also remains","First notice/filing, judgment/order motion, sale","Full ordinary evaluation/appeal machinery is not automatically imported","Classification, agreement, performance","Contract performance; State procedure"],["Bankruptcy early-intervention branch","Servicer","Any borrower a debtor; check options and FDCPA interaction","Petition if already delinquent; otherwise later delinquency","Calendar","Modified notice by 45 when required; once per case limitation","Required communication duties, subject to bankruptcy law/order","No conclusion about the separate bankruptcy stay or its termination","Petition/status, discharge, payments, orders","Bankruptcy, court, contract"],["Qualifying FDCPA cease notification","Servicer","FDCPA applies to this loan; qualifying notice","Notification/receipt; delinquency; prior notice","Calendar","Live exemption; modified 45/180/190 formula when applicable","Impermissible repeated notice; required modified notice","Loss-mitigation and foreclosure rules are not universally extinguished","FDCPA status, written notice/receipt, options, bankruptcy","FDCPA disputes; court; sale"],["Successor confirmation/acknowledgment","Servicer","Qualifying transfer, confirmation, principal residence; optional notice conditions","Confirmation; acknowledgment/assumption if relevant","Prompt, not invented fixed confirmation period","§ 41 deemed receipt at confirmation when review deferred; § 39 exception as specified","Unreasonable confirmation interference; improper denial of borrower treatment","Title/contract liability and other deadlines","Transfer category, confirmation, acknowledgment compliance","Probate/title, court, sale"],["Transfer with acknowledgment still pending","Transferee","Original period unexpired and notice not supplied","Defined transfer date","Ten excluded-days; reasonable-date calendar standard","Ten excluded-days; no first filing until after reasonable date; completion-by-date protections","First filing and specified late-completion foreclosure acts","No general reset of other periods","Old receipt, notice status, transfer date, reasonable date","Court, sale, completion"],["Complete application/appeal/offer pending at transfer","Transferee","Applicable separate (k)(3), (4), or (5) branch","Transfer; appeal made/received; original protective receipt","Calendar, except acknowledgment branch","30 from transfer for pending complete; appeal later-of 30/30 if decidable; offer unexpired balance","Required review, appeal disposition, preservation of rights","No automatic fresh offer period or general court pause","Pending status, criteria, appeal ability, remaining offer time","Offer expiry, court and sale"]]},{"headers":["Example","Stipulated qualitative facts","Federal rule result versus unknown","Evidence needed in a separately authorized application","Adverse misclassification to avoid"],"index":9,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Example","Stipulated qualitative facts","Federal rule result versus unknown","Evidence needed in a separately authorized application","Adverse misclassification to avoid"],["R008-P1-E01","A transaction satisfies § 39 scope; a periodic payment remains unpaid through the live-contact threshold. In a contrasting branch it is cured before that period ends.","Continuing branch: C027–C028 contact duty. Cured branch: the particular live-contact trigger can disappear. Neither branch determines a court deadline.","Due/payment application facts; contact attempts; communication exemptions.","Treating day 36 as a borrower’s mandatory application deadline or automatic stay."],["R008-P1-E02","A covered servicer proposes the first legally qualifying foreclosure act while delinquency has not exceeded 120 days; neither enumerated exception is stipulated.","C061 prohibits that act. Actual State first-act identity and any remedy remain unknown.","Contractual periodic due dates, applied payments, State procedural definition.","Using four approximate months or a late-fee date instead of the rule’s predicate."],["R008-P1-E03","The proposed first act is stipulated to rest on a due-on-sale violation, or to join another lienholder’s foreclosure. A complete application is also pending before that act.","The stipulated basis can satisfy an (f)(1) exception; it does not by itself resolve the additional (f)(2) restriction. Contractual validity and other transfer protections remain held.","Separate exception basis, completeness, review/appeal/offer status.","Treating an (f)(1) exception as immunity from all loss-mitigation rules."],["R008-P1-E04","Full scope; a complete application is received 90 days or more before sale after first filing.","Thirty-day evaluation, ordinary 14-day minimum offer response, modification-denial appeal, and (g) restrictions can apply. No modification is guaranteed.","Complete receipt, then-scheduled sale, options, denial and offer notices.","Equating review entitlement with approval or cancellation of foreclosure."],["R008-P1-E05","An application arrives 45 days or more before sale but required borrower information remains missing; no facial-completeness predicate is met.","Acknowledgment/diligence duties apply; complete-application protections do not attach merely because a package was sent.","Actual receipt, missing-item notice, requested information, any existing option agreement.","Calling every submission “complete” or “protected.”"],["R008-P1-E06","All missing items listed in the acknowledgment are supplied; a later correction is requested. In one branch correction is supplied within a reasonable opportunity; in the other it is not.","C049’s temporary (f)(2)/(g) treatment applies where otherwise available. Timely completion preserves specified earlier dates; failure leaves the application incomplete. The evaluation date and protective date are not merged.","Original list, facial date, prompt correction request, reasonable opportunity, completion receipt.","Restarting all protections at the later correction date, or treating facial status as permanent."],["R008-P1-E07","A first application becomes complete more than 37 but fewer than 45 days before sale; first filing already occurred.","The ordinary five-day initial acknowledgment gate is absent, but the >37-day evaluation and later-foreclosure rules can apply, and the separate complete-application notice must be checked.","Receipt and completeness dates; sale; prior complete notice/determination.","Treating absence of the 45-day acknowledgment duty as absence of all protection."],["R008-P1-E08","First filing occurred; the first qualifying completion is exactly 37 days before sale; no transfer or earlier facial/protective branch is stipulated.","The ordinary more-than-37 gate is not met. State, investor and other legal restrictions remain unknown.","Receipt, earlier submissions, sale setting, transfer circumstances.","Rounding “more than 37” into “37 or more,” or declaring sale universally lawful."],["R008-P1-E09","Complete receipt is more than 37 days before sale after first filing, and a dispositive motion was already pending.","C065–C066 require the specified protective steps; permitted intermediate procedure may continue. Court action and response duties are not automatically suspended.","Motion’s procedural nature, application receipt, counsel instructions and protective steps.","Ignoring court papers because the application is under review."],["R008-P1-E10","Compare complete receipt at exactly 90 days, versus fewer than 90 but more than 37 after first filing, versus receipt before first filing within the (f) period.","Exactly 90 meets the appeal route. The middle branch does not meet it solely through sale distance. The pre-filing branch can qualify through (f). Actual appeal requirements remain notice-specific.","Complete receipt, first-act date, sale date, actual denial/appeal instructions.","Using one “90-day” label without checking inclusivity and the independent (f) route."],["R008-P1-E11","Same servicer fully complied for an earlier complete application; delinquency never ended; financial circumstances later changed.","Section 41(i) may excuse another full review; changed facts alone do not expressly reset it. Applicable investor reevaluation requirements under § 38 remain a separate question.","Prior full compliance, continuous delinquency, applicable published investor requirements if separately authorized.","Assuming every changed fact mandates a new § 41 review, or that no other review duty can exist."],["R008-P1-E12","Prior complete review occurred, then delinquency ended, then a new delinquency arose.","C069 requires renewed applicable compliance; this is not a lifetime one-review bar. Actual new timing gates still matter.","Cure and new delinquency, new receipt/completeness, sale status.","Treating any previous modification application as permanent exhaustion."],["R008-P1-E13","Small-servicer qualification is stipulated. A complete application alone is pending; separately, an agreed loss-mitigation option is being performed.","Full ordinary review/appeal duties do not automatically follow from the application. But (f)(1) remains, and performance independently bars the listed foreclosure acts under (j).","Qualification basis, agreement and performance, delinquency.","“Small” means no federal foreclosure restrictions, or “complete” imports every ordinary duty."],["R008-P1-E14","Any borrower is in bankruptcy. Compare available options/no qualifying cease notice, against no available options or the qualifying combined FDCPA condition.","First branch can require the modified 45-day written notice; second can exempt it. Live contact is excepted. Section 41 and any separate bankruptcy stay require their own predicates.","Bankruptcy event/status, options, notification, order/discharge/payment facts.","Importing a communication exemption into every foreclosure restriction."],["R008-P1-E15","FDCPA applicability and a qualifying written cease notification are stipulated; options remain available; no borrower is in bankruptcy.","Modified notice remains required, with the prohibited-more-than-once-in-180 and 190-day formula.","Receipt, previous notice provision, delinquency at interval end, content.","Applying the ordinary “not required more than once” wording to this prohibited-repeat branch."],["R008-P1-E16","A qualifying successor is confirmed, has not assumed personal liability, and has not returned a compliant optional acknowledgment.","The listed § 39 communications can be excepted; otherwise applicable § 41 treatment does not depend on assumption or acknowledgment.","Confirmation, principal residence, compliant optional notice/form, other scope facts.","“No assumption” or “no acknowledgment” means no loss-mitigation rights."],["R008-P1-E17","A potential successor submits material before confirmation; the servicer elects to defer evaluation.","Preserve the material; receipt for § 41 is treated as confirmation-date receipt, subject to the prompt-confirmation policies. Actual sale-distance protection cannot be inferred from the earlier submission alone.","Confirmation process, reasonable documentation, dates, principal residence, staleness.","Automatically using the earliest submission date, or assuming confirmation may be delayed without constraint."],["R008-P1-E18","A complete application had already qualified, then sale is moved earlier. Contrast an originally late application followed only by postponement.","Previously attached protections persist. The latter branch is not automatically upgraded by postponement under this report; new receipt or other applicable requirements must be identified.","Original receipt and sale schedule; later changes; any new complete submission.","Recalculating away attached rights, or assuming every postponement creates them retroactively."],["R008-P1-E19","Transfer occurs while the initial acknowledgment period is unexpired and no acknowledgment was given. Completion reaches either servicer 37 or fewer days before sale but by the disclosed reasonable date.","Ten-excluded-day acknowledgment branch applies; (c), (d), and (g) must be honored under the specific exception. Appeal is not automatically added solely by this clause.","Old receipt, transfer date, acknowledgment status, reasonable date, completing receipt.","Applying a blanket “too late at 37 days” rule."],["R008-P1-E20","A complete application is pending at transfer; new criteria require additional material.","Thirty-day transfer evaluation framework and preserved facial status must be analyzed together. New requirements do not erase the original protective date.","Old/new criteria, original complete/facial date, requested correction and receipt.","Treating servicing transfer as a fresh unprotected application."],["R008-P1-E21","An appeal remains unresolved at transfer. Contrast a transferee able to decide it with one unable to do so.","Able: later-of 30-day deadlines. Unable: pending-complete-application treatment, with separate appeal-receipt and original protective dates.","Appeal made/received, transfer, records, program availability, original completion.","Automatically dismissing the appeal or using one date for every purpose."],["R008-P1-E22","An offer’s compliant acceptance period has not expired when servicing transfers.","The unexpired balance survives; no automatic entirely new period is created.","Offer provision, terms, deadline, transfer, any qualifying appeal extension.","Assuming transfer cancels the offer or restarts its full acceptance period."],["R008-P1-E23","All borrower-required material is supplied, but an outside approval is missing. Contrast a true outside-party delay with unfinished internal servicing work.","Completeness is not defeated merely by either missing item. The special delay/denial exception requires its outside-party and diligence predicates; internal delay does not automatically qualify.","Who controls the information, requests, elapsed period, possible completed steps, investor necessity.","Relabeling internal backlog as missing borrower information or automatic third-party extension."],["R008-P1-E24","A qualifying short-term plan is offered on an incomplete application and is being performed. Separately, a COVID-related deferral is proposed.","Short-term performance has its express foreclosure protections. COVID deferral requires every retained (c)(2)(v) condition; deleted (vi) is not available as the operative exception.","Plan terms, duration, performance; deferral charges/interest/cure conditions and applicable hardship meaning.","Assuming all incomplete-application offers are unprotected, or all former COVID exceptions remain operative."],["R008-P1-E25","The property is vacant, but principal-residence status is unstipulated. Alternatively, the product is an open-end home-equity line or qualifying reverse mortgage.","Vacancy alone does not resolve § 30(c)(2). The specified product exclusions are different, express paths. No actual product or residence determination is made.","Generic legal classification and residence facts only if separately authorized.","Treating vacancy as automatic abandonment or applying these procedures to every mortgage-like product."]]},{"headers":["Generic audit item","Predicate to test","Audit result / supporting location"],"index":10,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Generic audit item","Predicate to test","Audit result / supporting location"],["Applicable primary publication and version","Operative text, effective date, corrections, access date","—"],["Federal mortgage nexus","§ 2602 / § 1024.2 collateral and nexus route","—"],["Product and purpose","HELOC, reverse, temporary, business/agricultural, vacant-land and other exclusions","—"],["Principal-residence basis","§ 30(c)(2), including vacancy qualification","—"],["Servicing role","Person responsible; master/subservicer; specific agency exclusion","—"],["Small-servicer basis","Correct route, count universe, affiliates/associated entities, exclusions and transition","—"],["Borrower/successor status","Qualifying transfer, confirmation, assumption distinction","—"],["Optional successor notice","Required explanations, separate acknowledgment, return/assumption/revocation status","—"],["Periodic-payment terms","Due date and principal/interest/escrow components","—"],["Payment application","Oldest unpaid payment, tolerance, cure and new delinquency","—"],["Early live-contact evidence","Actual contact versus good-faith effort; timing; representative","—"],["Early written-notice evidence","Provision, contents, ordinary or modified frequency branch","—"],["Bankruptcy communication predicate","Petition/status, options, orders, discharge, postcommencement payments","—"],["FDCPA communication predicate","Applicability to loan, qualifying writing, receipt, other borrower interaction","—"],["Initial application","Request plus evaluative information; actual receipt","—"],["Acknowledgment","Timeliness, complete/incomplete status, missing list, reasonable date","—"],["Completion and facial completion","Required borrower material; listed items; corrections; reasonable opportunity","—"],["Outside information","Borrower control, servicer control, or true third party; diligence","—"],["First foreclosure act","Applicable published State procedure and legal character of the act","—"],["Sale scheduling","Schedule existing at relevant receipt; later scheduling/rescheduling","—"],["Determination notice","Available options; each modification denial; actual reasons; NPV/investor particulars","—"],["Offer response","Provision event, lawful minimum, actual expiry, trial payments","—"],["Appeal","Eligibility, disclosed method, made/received events, separate reviewer, determination","—"],["Foreclosure release condition","No-options/appeal closure, rejection of all options, or nonperformance","—"],["Prior applications","Same-servicer full compliance, continuous delinquency or cure","—"],["Short-term option","Definition, written terms, performance and diligence resumption","—"],["Retained COVID deferral","All (c)(2)(v) conditions; definition/version issue preserved","—"],["Application transfer","Pending status, defined transfer date, old/new receipt and criteria","—"],["Transfer acknowledgment","Unexpired original period, no prior notice, reasonable-date protections","—"],["Transfer appeal or offer","Decidable/undecidable branch; separate dates; unexpired offer balance","—"],["Competing obligations","Court/service, State sale/redemption, contract, offer, assistance and other held clocks","—"],["Calendar construction, if ever separately authorized","Trigger wording, units, holidays/weekends, receipt/provision distinction, applicable counting authority","—"]]},{"headers":["Assigned subquestion / major branch","Coverage status","Claim / source / example links","Exact missing authority or facts","Next bounded permissible investigation"],"index":11,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Assigned subquestion / major branch","Coverage status","Claim / source / example links","Exact missing authority or facts","Next bounded permissible investigation"],["Q1: federally related mortgage loan and federal nexus","Answered generically","C007–C008; S001/S003; E25","Actual collateral, funding and nexus facts excluded","No factual application in this component"],["Q1: business, agricultural, rental-purpose exclusion","Answered generically","C009; S003/S010","Actual primary purpose and classification excluded","If separately scoped, published classification authority only"],["Q1: temporary construction and permanent-financing exceptions","Answered generically","C010; S003","Actual term, commitment, conversion and builder facts","No loan determination"],["Q1: vacant-land exception","Answered generically","C011; S003","Actual proceeds/use/timing excluded","No property investigation"],["Q1: assumptions, conversions, secondary-market and partial exemptions","Answered generically","C012; S003","Actual transaction terms excluded","Do not infer servicing exemption from a transfer label"],["Q1: principal residence and vacancy","Answered rule; application unresolved","C013; S004/S007; E25","State law and residence facts absent","Public State-law work only with separate authorization"],["Q1: reverse mortgages, HELOCs, qualified Farm Credit lender","Answered generically","C013; S004/S010/S011; E25","Product and loan-specific qualification absent","No provider or loan status query"],["Q1: servicer, master/subservicer, special agency exclusions","Answered generically","C014–C015; S001/S003/S009","Actual servicing role and exception nexus absent","No entity/roster lookup"],["Q1/Q5: small-servicer alternatives, count and transition","Answered generically","C015–C017/C071; S009–S012; E13","Count, affiliation, origination, HFA/nonprofit and transition facts absent","No actual qualification decision"],["Q1/Q5: successor categories and confirmation","Answered generically","C018–C020; S004/S007/S008; E16–E17","State title/transfer and confirmation facts absent","Public generic successor authority only if needed"],["Q1/Q2: successor acknowledgment and communications","Answered generically","C021/C038; S004/S007; E16","Compliant optional notice and acknowledgment facts absent","No form supplied or inspected"],["Q1: delinquency and day definitions","Answered generically","C022–C023; S004/S007; E01–E02","Payment terms/application and actual calendar absent","No individual calculation"],["Q1: relevant § 2605 authority and remedies boundary","Answered narrowly","C026; S001/S006","Standing, causation, remedy and jurisdiction questions excluded","Separate authorized remedies investigation only"],["Q2: live-contact trigger, meaning, repeat duty","Answered","C027–C028/C031; S005/S007; E01","Actual contact/payment facts absent","None needed for generic branch"],["Q2: written notice timing/content/frequency","Answered","C029–C030; S005/S007/S008","Actual notice/provision facts absent","None needed for generic branch"],["Q2: continuing delinquency, ongoing mitigation and narrow transfer effects","Answered","C031–C032; S007","Actual agreement and transferred-payment facts absent","No R006 notice rerun"],["Q2: bankruptcy exemption, modified notice, resumption","Answered generic branch","C033–C035; S005/S007; E14","Bankruptcy status/orders/discharge/payments excluded","No bankruptcy case inquiry"],["Q2: FDCPA notification and modified duties","Answered narrowly","C036–C038; S002/S005/S007/S015; E15","FDCPA coverage and notification facts absent; broader disputes held","No debt-collector or borrower query"],["Q2: official model clauses","Excluded as unnecessary","C030; § 39(b)(3), (d)(3)(i)","No model form needed to state duties","If needed later, retrieve exact official version and inspect relevant pixels"],["Q3: oral application versus inquiry; actual receipt","Answered","C024/C039; S004/S006/S007; E05","Actual communication and receipt absent","No form or identifier entry"],["Q3: 45-day inclusive acknowledgment gate and five-day units","Answered","C040; S006/S007; E05/E07","Actual sale/receipt/calendar absent","No individual deadline"],["Q3: reasonable date and milestones","Answered","C041; S007; E05/E19","Staleness/milestone chronology absent","No invented 30-day entitlement"],["Q3/Q5: receipt-date snapshot, no scheduled sale, rescheduling","Answered rule; retrospective late-application conclusion held","C042; S006/S007; E18","New receipt, original/later schedule, other law absent","Read a strictly necessary additional published interpretation if a generic ambiguity is separately posed"],["Q3: complete application, >37 gate, 30-day determination","Answered","C039/C043; S006/S007; E04/E07/E08","Completeness/options/receipt absent","No eligibility analysis"],["Q3: incomplete anti-evasion and stalled application","Answered","C044–C045; S006/S007; E05","Diligence/progress/context absent","No fixed “significant period” invented"],["Q3: short-term incomplete-application exception","Answered","C046–C047; S006/S007; E24","Terms, performance and requests for further help absent","No program application"],["Q3/currentness: retained COVID deferral","Text answered; interpretive definition gap preserved","C003/C048; S006/S016/S017; E24","Post-deletion definition issue; no hardship/program facts","Bounded primary-authority clarification of retained terminology if needed"],["Q3: facial completeness, correction and relation-back","Answered","C049; S006/S007; E06","Listed missing items, timing and reasonable opportunity absent","Keep evaluation and protection dates separate"],["Q3: complete-application notice and exceptions","Answered","C050; S006/S007; E06/E07","Prior notice and actual completion history absent","No actual notice audit"],["Q3: borrower-control versus internal versus third-party information","Answered","C051–C053; S006/S007; E23","Control, diligence, necessity and elapsed period absent","No records request"],["Q4: >120 threshold and due-on-sale/joining exceptions","Answered","C061; S006; E02–E03","Delinquency and exception facts; other law absent","No actual first-filing permission"],["Q4: judicial/nonjudicial first act","Answered federal definition; State identification unresolved","C062; S007 comment 41(f)-1.i–iv; E02/E09","State procedure and actual act/date absent","Separate authorized public State-procedure research"],["Q4: complete application before first filing","Answered","C063–C064; S006; E03","Completion, first act, release conditions absent","No operational authorization"],["Q4: application after first filing","Answered","C065–C068; S006/S007; E07–E09","Receipt, schedule, motion and counsel facts absent","No docket or court-status query"],["Q4: appeal closure/rejection/nonperformance release","Answered","C064; S006/S007; E04/E10/E24","Notices, appeal, all offers, performance absent","No actual release determination"],["Q4: State court response, sale validity, injunction, remedy","Excluded/held","C026/C067; S001/S006/S007","Jurisdiction, procedure, facts, remedy authority not investigated","Requires separate authorized component"],["Q5: denial reasons","Answered","C054; S006/S007","Actual notice, investor rules and calculation inputs absent","No individualized merits decision"],["Q5: offer minimums, trial-plan acceptance and appeal extension","Answered","C055–C056/C060; S006; E04/E10/E22","Actual provision/offer terms/payments absent","Preserve actual offer expiry as unknown"],["Q5: appeal eligibility, method, 14/30/14 periods","Answered","C057–C059; S004/S006/S007; E10/E21","Notice-specific method and making/receipt facts absent","No universal written-appeal requirement invented"],["Q5: repeat applications, cure and changed facts","Answered","C069–C070; S006/S007/S008; E11–E12","Prior compliance/continuity/investor requirements absent","No lifetime one-review assumption"],["Q5: transfer general pending status and dates","Answered independently","C072–C073; S006–S008; E20–E22","Pending status and actual dates absent","No R006 foundation or broad notice rerun"],["Q5: transfer acknowledgment and reasonable-date extension","Answered","C074–C076; S006/S007; E19","Unexpired period, notice status and dates absent","No blanket >37 cutoff"],["Q5: transfer evaluation and changed completion criteria","Answered","C077–C078; S006/S007; E20","Criteria and receipt history absent","No loss of facial status assumed"],["Q5: transfer appeal able/unable branches and pending offer","Answered","C079–C081; S006/S007; E21–E22","Ability to decide, appeal dates, remaining offer period absent","No automatic offer-period restart"],["Q6: urgency matrix and hypothetical failure paths","Answered qualitatively","Matrix; E01–E25; cited claims","Actual dates/identifiers deliberately absent","No worked calendar needed"],["Currentness: operative versus proposed/deleted material","Answered within stated read bounds","C001–C006; S013–S020","Full post-currency and historical reconciliation remains unclosed","Public primary Federal Register/US Code update audit only"],["Court decisions and later history","Not necessary; not used","C026/C067 and currentness limits","No majority opinion, posture or later-history proposition relied upon","Read actual published majority only if a later bounded legal question makes it necessary"],["Parent/component/operational/publication acceptance","Expressly not granted","Section 8 below","Entire remaining parent scope and permissions held","No implied next action"]]},{"headers":["Log item","What was actually done","Result and bounded limitation"],"index":12,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Log item","What was actually done","Result and bounded limitation"],["L01 — Fresh statutory reading","Read current available House RESPA and the necessary FDCPA provision.","Core bodies obtained; House compilation lag remains explicit."],["L02 — Fresh operative Regulation X reading","Read §§ 30–32, complete §§ 39 and 41, necessary §§ 2, 5, 38 and 40, and official interpretations.","Body reading supported the claim register; no search snippet substituted for the operative clauses."],["L03 — Adjacent qualification reading","Read small-servicer definition/comments, reverse/product-purpose definitions, seller-financer counting exclusion, Farm Credit and HFA definitions.","Generic predicates obtained; no actual entity or product qualification attempted."],["L04 — Publication conflict","Compared CFPB “current” pages with eCFR, annual CFR §§ 39/.41, and the 2025 amendatory rule.","Stale displayed COVID passages identified; current and historical text kept separate."],["L05 — Published CFR comparison","Read the 2026 annual § 39 text and compared § 41(a)–(k) across its eight-page excerpt.","January 1, 2026 edition confirmed for these excerpts; this was not a full-volume audit."],["L06 — Final/interim-final history","Read selected operative/date portions of 2013, 2016, 2017, 2020 and 2025 publications.","Effective dates recorded; entire long preambles and every intervening correction were not claimed as read."],["L07 — Proposed replacement check","Read the 2024 proposal’s action/date material and the agency’s under-development entry; performed targeted official-source discovery for later final rules.","No operative final replacement established. Search nonappearance is not a complete negative legal-history proof."],["L08 — Guidance status","Read the official withdrawn-guidance register at its recovered correct path.","No freestanding guidance was used as operative authority. No general claim that every historical advisory’s publisher status was independently audited."],["L09 — House retrieval failure","The preliminary § 2605 endpoint returned 404; changed to a version-specific House endpoint.","Recovered body. S021 documents the failed path; S001 supplies the foundation."],["L10 — Guidance-path failure","The rules-policy/withdrawn-guidance path failed; changed to compliance/guidance/withdrawn-guidance.","Recovered register. S022 records the failed path."],["L11 — PDF limits","Parsed text used for CFR and Federal Register PDFs; visually inspected only the 2025 rule’s printed p. 20792 / index 1.","No unseen page, image, full model form, or full visual layout is claimed to have been inspected."],["L12 — Excluded search hits","Searches incidentally returned secondary commentary, examination material and enforcement-record links.","Those materials were not opened or used as a substantive foundation; no case-record or docket-status research followed them."],["L13 — Foundation independence","Built this pass from the publications listed above.","No earlier SettleADebt output, other chat, Library research, or delegated research used."],["L14 — No actual calculation or action","Used qualitative timing branches and an unfilled worksheet.","No borrower deadline, liability, eligibility, award, remedy, filing, contact or operational action determined."]]},{"headers":["Check","Result"],"index":13,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[]],"rows":[["Check","Result"],["Inclusive/strict thresholds","Kept 45 or more, more than 37, 90 or more, and more than 120 distinct."],["Units and trigger events","Kept calendar days separate from expressly excluded days; distinguished receipt, provision of a notice/offer, making an appeal, transfer, and the then-scheduled sale."],["Complete versus incomplete","Preserved ordinary incomplete, stalled incomplete, short-term, retained COVID deferral, facially complete, actually complete, and outside-information branches."],["First filing versus later foreclosure","Kept (f)(1), (f)(2), and (g) separate; identified the official State-procedure-dependent first-act interpretation."],["Exceptions","Did not extend bankruptcy, FDCPA, successor acknowledgment, small-servicer, product, or due-on-sale/joining exceptions beyond their stated scope."],["Appeals/offers/transfers","Preserved alternative appeal eligibility, notice-specific method requirements, 14/30/14 periods, unexpired offer balance, and different transfer receipt/evaluation/protection dates."],["Currentness","Identified stale agency text, operative rescission, retained provision, proposed replacement, publication dates, access date, and unclosed audits."],["Evidence boundary","No actual records, identifiers, individual conclusions, court-status inquiries, unseen-form claims, or invented calendars/awards."],["Review status","This is the same researcher’s consistency check, not independent legal or source review."]]}],"claims":[{"claim_id":"R008-P1-C001","area_numbers":[8],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R008-P1-C001","Area and precise claim":"The sources have different currency predicates.","Trigger, conditions, exceptions, and limits":"October 27 access does not convert the eCFR’s October 23 currency label, the January 1 annual edition, or the House’s October 9 compilation label into a completed through-access-date legal audit.","Source pinpoint; status":"S001, S004–S006; V/U."},"coordinator_verification_status":"scoped_record_reconciliation_selected_federal_text_versions_comments_all_currentness_application_parent_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"R008-P1-C001","original_visible_claim_id":"R008-P1-C001","all_original_cells_read":true,"researcher_record_unchanged":true,"area_numbers_preserved":[8],"explicit_source_numbers":[1,4,5,6],"source_ranges_expanded":[[4,6]],"selected_source_presence_not_entire_claim_primary_validation":true,"all_primary_claim_accepted":false,"original_status_codes_conditions_exceptions_inference_and_gaps_preserved":true}},{"claim_id":"R008-P1-C002","area_numbers":[8],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R008-P1-C002","Area and precise claim":"The July 15, 2025 rescission removes the § 31 COVID-hardship definition, § 39(e), § 41(c)(2)(vi), § 41(f)(3), and associated 2021 commentary.","Trigger, conditions, exceptions, and limits":"The old special foreclosure safeguards and special COVID contact provisions are historical/deleted, even where an agency mirror still displays them. The old § 39(e) and § 41(f)(3) also contained their own earlier temporal limits.","Source pinpoint; status":"S017, amendatory instructions 2–5; S005–S007; R/V."},"coordinator_verification_status":"scoped_record_reconciliation_selected_federal_text_versions_comments_all_currentness_application_parent_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"R008-P1-C002","original_visible_claim_id":"R008-P1-C002","all_original_cells_read":true,"researcher_record_unchanged":true,"area_numbers_preserved":[8],"explicit_source_numbers":[5,6,7,17],"source_ranges_expanded":[[5,7]],"selected_source_presence_not_entire_claim_primary_validation":true,"all_primary_claim_accepted":false,"original_status_codes_conditions_exceptions_inference_and_gaps_preserved":true}},{"claim_id":"R008-P1-C003","area_numbers":[8],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R008-P1-C003","Area and precise claim":"Section 41(c)(2)(v) remains in the operative text.","Trigger, conditions, exceptions, and limits":"This is the narrow deferral-option exception detailed in C048, not the deleted (c)(2)(vi) modification exception. The remaining phrase “COVID-19-related hardship” is not newly defined here by importing the deleted § 31 definition.","Source pinpoint; status":"S006 § 41(c)(2)(v); S017 instruction 4; R/U."},"coordinator_verification_status":"scoped_record_reconciliation_selected_federal_text_versions_comments_all_currentness_application_parent_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"R008-P1-C003","original_visible_claim_id":"R008-P1-C003","all_original_cells_read":true,"researcher_record_unchanged":true,"area_numbers_preserved":[8],"explicit_source_numbers":[6,17],"source_ranges_expanded":[],"selected_source_presence_not_entire_claim_primary_validation":true,"all_primary_claim_accepted":false,"original_status_codes_conditions_exceptions_inference_and_gaps_preserved":true}},{"claim_id":"R008-P1-C004","area_numbers":[8],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R008-P1-C004","Area and precise claim":"The retrieved 2024 streamlining document is proposed, not an operative replacement.","Trigger, conditions, exceptions, and limits":"No final effective replacement was established in this pass. A regulatory-agenda target or agency page update would not itself amend the rule.","Source pinpoint; status":"S018 action/DATES and status entry; V/U."},"coordinator_verification_status":"scoped_record_reconciliation_selected_federal_text_versions_comments_all_currentness_application_parent_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"R008-P1-C004","original_visible_claim_id":"R008-P1-C004","all_original_cells_read":true,"researcher_record_unchanged":true,"area_numbers_preserved":[8],"explicit_source_numbers":[18],"source_ranges_expanded":[],"selected_source_presence_not_entire_claim_primary_validation":true,"all_primary_claim_accepted":false,"original_status_codes_conditions_exceptions_inference_and_gaps_preserved":true}},{"claim_id":"R008-P1-C005","area_numbers":[8],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R008-P1-C005","Area and precise claim":"No withdrawn freestanding guidance supplies an operative premise.","Trigger, conditions, exceptions, and limits":"Codified official interpretations are identified separately. The withdrawn-guidance register was checked; no assumption is made that withdrawal of guidance repeals RESPA or deletes CFR text.","Source pinpoint; status":"S007, S020; V/I."},"coordinator_verification_status":"scoped_record_reconciliation_selected_federal_text_versions_comments_all_currentness_application_parent_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"R008-P1-C005","original_visible_claim_id":"R008-P1-C005","all_original_cells_read":true,"researcher_record_unchanged":true,"area_numbers_preserved":[8],"explicit_source_numbers":[7,20],"source_ranges_expanded":[],"selected_source_presence_not_entire_claim_primary_validation":true,"all_primary_claim_accepted":false,"original_status_codes_conditions_exceptions_inference_and_gaps_preserved":true}},{"claim_id":"R008-P1-C006","area_numbers":[8],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R008-P1-C006","Area and precise claim":"Relevant implementation dates differ.","Trigger, conditions, exceptions, and limits":"Original 2013 rule: January 10, 2014. Most relevant 2016 amendments: October 19, 2017. Identified successor provisions: April 19, 2018. Modified FDCPA notice amendment: October 19, 2017. Original retained COVID-deferral exception: July 1, 2020, later revised in 2025. Historical application requires its own version analysis.","Source pinpoint; status":"S013–S017, DATES; S014 Part VI; R/V."},"coordinator_verification_status":"scoped_record_reconciliation_selected_federal_text_versions_comments_all_currentness_application_parent_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"R008-P1-C006","original_visible_claim_id":"R008-P1-C006","all_original_cells_read":true,"researcher_record_unchanged":true,"area_numbers_preserved":[8],"explicit_source_numbers":[13,14,15,16,17],"source_ranges_expanded":[[13,17]],"selected_source_presence_not_entire_claim_primary_validation":true,"all_primary_claim_accepted":false,"original_status_codes_conditions_exceptions_inference_and_gaps_preserved":true}},{"claim_id":"R008-P1-C007","area_numbers":[8],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R008-P1-C007","Area and precise claim":"A federally related mortgage loan requires the statutory/regulatory collateral and nexus predicates.","Trigger, conditions, exceptions, and limits":"Generally a first or subordinate lien on qualifying residential real property, including the specified one-to-four-family, condominium/cooperative, construction-placement, and manufactured-home branches. The real property must be in a “State” as defined, which includes specified U.S. territories. Personal-property-only collateral is not automatically within this definition.","Source pinpoint; status":"S001 § 2602(1); S003 § 2(b), “Federally related mortgage loan” (1), (3), “State”; T/R."},"coordinator_verification_status":"scoped_record_reconciliation_selected_federal_text_versions_comments_all_currentness_application_parent_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"R008-P1-C007","original_visible_claim_id":"R008-P1-C007","all_original_cells_read":true,"researcher_record_unchanged":true,"area_numbers_preserved":[8],"explicit_source_numbers":[1,3],"source_ranges_expanded":[],"selected_source_presence_not_entire_claim_primary_validation":true,"all_primary_claim_accepted":false,"original_status_codes_conditions_exceptions_inference_and_gaps_preserved":true}},{"claim_id":"R008-P1-C008","area_numbers":[8],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R008-P1-C008","Area and precise claim":"The federal nexus has alternatives; federal insurance is not the only route.","Trigger, conditions, exceptions, and limits":"Routes include federally regulated/insured lenders; federal making, insurance, guarantee, supplementation or assistance; intended sale to listed federal mortgage entities; the specified TILA creditor making/investing in residential real-estate loans aggregating more than $1 million annually, excluding State agencies/instrumentalities for that creditor route; dealer/broker and qualifying reverse-mortgage branches. Installment/land/contract-for-deed arrangements require the stated qualifying funding nexus.","Source pinpoint; status":"S003 § 2(b), definition (1)(ii)(A)–(F), (2); S001 § 2602(1)(B); T/R."},"coordinator_verification_status":"scoped_record_reconciliation_selected_federal_text_versions_comments_all_currentness_application_parent_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"R008-P1-C008","original_visible_claim_id":"R008-P1-C008","all_original_cells_read":true,"researcher_record_unchanged":true,"area_numbers_preserved":[8],"explicit_source_numbers":[1,3],"source_ranges_expanded":[],"selected_source_presence_not_entire_claim_primary_validation":true,"all_primary_claim_accepted":false,"original_status_codes_conditions_exceptions_inference_and_gaps_preserved":true}},{"claim_id":"R008-P1-C009","area_numbers":[8],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R008-P1-C009","Area and precise claim":"Primarily business, commercial, or agricultural credit is excluded under § 5(b)(2).","Trigger, conditions, exceptions, and limits":"Residence collateral alone does not answer purpose. The incorporated Regulation Z interpretation uses purpose factors and rental-property rules: non-owner-occupied rental credit is deemed business; expected occupancy more than 14 days prevents that particular classification. For owner-occupied rental property, acquisition of more than two units, or improvement/maintenance of more than four, has specified business treatment; smaller properties still require the applicable purpose analysis.","Source pinpoint; status":"S003 § 5(b)(2); S010 § 3(a)(1), comments 3(a)-1, -3–5, -8; R/O."},"coordinator_verification_status":"scoped_record_reconciliation_selected_federal_text_versions_comments_all_currentness_application_parent_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"R008-P1-C009","original_visible_claim_id":"R008-P1-C009","all_original_cells_read":true,"researcher_record_unchanged":true,"area_numbers_preserved":[8],"explicit_source_numbers":[3,10],"source_ranges_expanded":[],"selected_source_presence_not_entire_claim_primary_validation":true,"all_primary_claim_accepted":false,"original_status_codes_conditions_exceptions_inference_and_gaps_preserved":true}},{"claim_id":"R008-P1-C010","area_numbers":[8],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R008-P1-C010","Area and precise claim":"Temporary financing has a qualified exclusion, not an unconditional construction-loan exclusion.","Trigger, conditions, exceptions, and limits":"Same-lender permanent/convertible financing, financing transfer to the first user, a permanent-financing commitment, and qualifying construction terms of two years or more can remove the temporary-financing exclusion; the latter has a bona fide builder qualification. Bridge/swing loans described in § 5(b)(3) are excluded.","Source pinpoint; status":"S003 § 5(b)(3); R."},"coordinator_verification_status":"scoped_record_reconciliation_selected_federal_text_versions_comments_all_currentness_application_parent_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"R008-P1-C010","original_visible_claim_id":"R008-P1-C010","all_original_cells_read":true,"researcher_record_unchanged":true,"area_numbers_preserved":[8],"explicit_source_numbers":[3],"source_ranges_expanded":[],"selected_source_presence_not_entire_claim_primary_validation":true,"all_primary_claim_accepted":false,"original_status_codes_conditions_exceptions_inference_and_gaps_preserved":true}},{"claim_id":"R008-P1-C011","area_numbers":[8],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R008-P1-C011","Area and precise claim":"Vacant-land financing has an express construction/placement exception.","Trigger, conditions, exceptions, and limits":"The exclusion does not apply where, within two years from settlement, the proceeds will construct a structure or place a manufactured home on the real property; the secured-property qualification remains. This origination-scope rule differs from later vacancy of a principal residence.","Source pinpoint; status":"S003 § 5(b)(4); R."},"coordinator_verification_status":"scoped_record_reconciliation_selected_federal_text_versions_comments_all_currentness_application_parent_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"R008-P1-C011","original_visible_claim_id":"R008-P1-C011","all_original_cells_read":true,"researcher_record_unchanged":true,"area_numbers_preserved":[8],"explicit_source_numbers":[3],"source_ranges_expanded":[],"selected_source_presence_not_entire_claim_primary_validation":true,"all_primary_claim_accepted":false,"original_status_codes_conditions_exceptions_inference_and_gaps_preserved":true}},{"claim_id":"R008-P1-C012","area_numbers":[8],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R008-P1-C012","Area and precise claim":"Transaction exclusions must not be converted into blanket extinction of servicing duties.","Trigger, conditions, exceptions, and limits":"§ 5(b)(5): assumptions without an express lender approval right are excluded; assumptions requiring and obtaining approval are covered. § 5(b)(6): conversions consistent with the original instrument without a new note are excluded. § 5(b)(7): bona fide secondary-market transactions are excluded except for § 2605 and Subpart C. Section 5(d)’s listed partial disclosure exemptions do not list §§ 39 or 41.","Source pinpoint; status":"S003 § 5(b)(5)–(7), (d); R/I."},"coordinator_verification_status":"scoped_record_reconciliation_selected_federal_text_versions_comments_all_currentness_application_parent_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"R008-P1-C012","original_visible_claim_id":"R008-P1-C012","all_original_cells_read":true,"researcher_record_unchanged":true,"area_numbers_preserved":[8],"explicit_source_numbers":[3],"source_ranges_expanded":[],"selected_source_presence_not_entire_claim_primary_validation":true,"all_primary_claim_accepted":false,"original_status_codes_conditions_exceptions_inference_and_gaps_preserved":true}},{"claim_id":"R008-P1-C013","area_numbers":[8],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R008-P1-C013","Area and precise claim":"The specific §§ 39–41 scope is narrower than all federally related mortgage loans.","Trigger, conditions, exceptions, and limits":"Section 31 excludes open-end home-equity lines from “mortgage loan.” Section 30(b) excludes reverse mortgages and qualifying Farm Credit loans from §§ 38–41; small servicers have the separate C071 residual duties. Sections 39–41 apply only to a loan secured by the borrower’s principal residence. Vacancy does not necessarily end principal-residence status; facts and applicable State law matter.","Source pinpoint; status":"S004 §§ 30(b), (c)(2), 31; S007 comments 30(b)-1, 30(c)(2)-1; S010 § 33(a); S011; R/O/U."},"coordinator_verification_status":"scoped_record_reconciliation_selected_federal_text_versions_comments_all_currentness_application_parent_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"R008-P1-C013","original_visible_claim_id":"R008-P1-C013","all_original_cells_read":true,"researcher_record_unchanged":true,"area_numbers_preserved":[8],"explicit_source_numbers":[4,7,10,11],"source_ranges_expanded":[],"selected_source_presence_not_entire_claim_primary_validation":true,"all_primary_claim_accepted":false,"original_status_codes_conditions_exceptions_inference_and_gaps_preserved":true}},{"claim_id":"R008-P1-C014","area_numbers":[8],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R008-P1-C014","Area and precise claim":"“Servicer” concerns responsibility for servicing, including an owner/originator that actually services.","Trigger, conditions, exceptions, and limits":"Section 2605(i)(2) and § 2(b) contain specified agency exceptions. The regulation separately addresses FDIC assets/receivership and NCUA assets/conservatorship/liquidation, and listed FNMA, Freddie Mac, FDIC, HUD/GNMA/FHA, NCUA, Farm Service Agency and VA circumstances following specified termination-for-cause, servicer bankruptcy, or supervisory proceedings. These are not a general exemption for every government-related loan or private servicer. “Servicing” generally includes receipt and application/disbursement of scheduled payments.","Source pinpoint; status":"S001 § 2605(i)(2)–(3); S003 § 2(b), “Servicer,” “Servicing”; T/R."},"coordinator_verification_status":"scoped_record_reconciliation_selected_federal_text_versions_comments_all_currentness_application_parent_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"R008-P1-C014","original_visible_claim_id":"R008-P1-C014","all_original_cells_read":true,"researcher_record_unchanged":true,"area_numbers_preserved":[8],"explicit_source_numbers":[1,3],"source_ranges_expanded":[],"selected_source_presence_not_entire_claim_primary_validation":true,"all_primary_claim_accepted":false,"original_status_codes_conditions_exceptions_inference_and_gaps_preserved":true}},{"claim_id":"R008-P1-C015","area_numbers":[8],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R008-P1-C015","Area and precise claim":"Ordinary small-servicer status requires both a count and an ownership/origination connection.","Trigger, conditions, exceptions, and limits":"Under § 1026.41(e)(4)(ii)(A), the servicer and affiliates service 5,000 or fewer counted loans, and each is owned or originated by the servicer or an affiliate. Holding servicing rights alone does not satisfy ownership/origination. A subservicer gets the exemption only if both it and the master servicer qualify.","Source pinpoint; status":"S009 § 41(e)(4)(ii)(A); comments 41(e)(4)(ii)-1–3; R/O."},"coordinator_verification_status":"scoped_record_reconciliation_selected_federal_text_versions_comments_all_currentness_application_parent_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"R008-P1-C015","original_visible_claim_id":"R008-P1-C015","all_original_cells_read":true,"researcher_record_unchanged":true,"area_numbers_preserved":[8],"explicit_source_numbers":[9],"source_ranges_expanded":[],"selected_source_presence_not_entire_claim_primary_validation":true,"all_primary_claim_accepted":false,"original_status_codes_conditions_exceptions_inference_and_gaps_preserved":true}},{"claim_id":"R008-P1-C016","area_numbers":[8],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R008-P1-C016","Area and precise claim":"HFA and specified nonprofit status are alternative small-servicer routes.","Trigger, conditions, exceptions, and limits":"The HFA route incorporates the public-body/agency/instrumentality definition in 24 CFR 266.5 and does not state the ordinary 5,000-loan cap. The nonprofit route requires the specified IRS § 501(c)(3) ruling/determination, 5,000 or fewer serviced loans, including associated-nonprofit servicing, and origination by it or an associated nonprofit; association requires the specified common name/mark and charitable-purpose agreement. Mere ownership is insufficient for that nonprofit route.","Source pinpoint; status":"S009 § 41(e)(4)(ii)(B)–(C), comment -4; S012 HFA definition; R/O."},"coordinator_verification_status":"scoped_record_reconciliation_selected_federal_text_versions_comments_all_currentness_application_parent_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"R008-P1-C016","original_visible_claim_id":"R008-P1-C016","all_original_cells_read":true,"researcher_record_unchanged":true,"area_numbers_preserved":[8],"explicit_source_numbers":[9,12],"source_ranges_expanded":[],"selected_source_presence_not_entire_claim_primary_validation":true,"all_primary_claim_accepted":false,"original_status_codes_conditions_exceptions_inference_and_gaps_preserved":true}},{"claim_id":"R008-P1-C017","area_numbers":[8],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R008-P1-C017","Area and precise claim":"Small-servicer counting and transition rules have their own predicates.","Trigger, conditions, exceptions, and limits":"Count closed-end consumer dwelling-secured transactions, not only principal-residence loans within this component. Evaluate January 1 and the remainder of the year; loss of qualification allows six months or until next January 1, whichever is later, to comply with formerly exempt requirements. Exclusions include uncompensated voluntary nonaffiliate servicing, reverse mortgages, timeshares, and servicing for a seller financer satisfying all § 36(a)(5) criteria: natural person/estate/trust; one owned and securing property in 12 months; no ordinary-course construction; no negative amortization; fixed rate or adjustment only after at least five years with the stated reasonable limits and index conditions.","Source pinpoint; status":"S009 § 41(e)(4)(iii) and comments; S010 § 36(a)(5); R/O."},"coordinator_verification_status":"scoped_record_reconciliation_selected_federal_text_versions_comments_all_currentness_application_parent_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"R008-P1-C017","original_visible_claim_id":"R008-P1-C017","all_original_cells_read":true,"researcher_record_unchanged":true,"area_numbers_preserved":[8],"explicit_source_numbers":[9,10],"source_ranges_expanded":[],"selected_source_presence_not_entire_claim_primary_validation":true,"all_primary_claim_accepted":false,"original_status_codes_conditions_exceptions_inference_and_gaps_preserved":true}},{"claim_id":"R008-P1-C018","area_numbers":[8],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R008-P1-C018","Area and precise claim":"A qualifying successor is defined through five transfer categories; not every occupant or transferee is automatically a borrower.","Trigger, conditions, exceptions, and limits":"Categories: devise/descent/operation of law on death of a joint tenant or tenant by the entirety; relative’s transfer resulting from borrower death; spouse/children becoming owners; specified divorce/separation/property-settlement transfer to a spouse; qualifying inter vivos trust with borrower remaining beneficiary and no occupancy-right transfer. Confirmation requires servicer confirmation of identity and ownership. Section 31 does not supply a universal free-standing definition making every interested person a “borrower.”","Source pinpoint; status":"S004 § 31, “Successor in interest,” “Confirmed successor in interest”; R/U."},"coordinator_verification_status":"scoped_record_reconciliation_selected_federal_text_versions_comments_all_currentness_application_parent_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"R008-P1-C018","original_visible_claim_id":"R008-P1-C018","all_original_cells_read":true,"researcher_record_unchanged":true,"area_numbers_preserved":[8],"explicit_source_numbers":[4],"source_ranges_expanded":[],"selected_source_presence_not_entire_claim_primary_validation":true,"all_primary_claim_accepted":false,"original_status_codes_conditions_exceptions_inference_and_gaps_preserved":true}},{"claim_id":"R008-P1-C019","area_numbers":[8],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R008-P1-C019","Area and precise claim":"A confirmed successor is treated as a borrower without requiring assumption of the debt.","Trigger, conditions, exceptions, and limits":"Section 30(d) and its comments preserve the principal-residence and other procedural predicates. This regulatory treatment does not itself decide contractual liability, title, or State-law assumption. The servicer may not require assumption merely to recognize this borrower status.","Source pinpoint; status":"S004 § 30(d); S007 comments 30(d)-1–3; R/O."},"coordinator_verification_status":"scoped_record_reconciliation_selected_federal_text_versions_comments_all_currentness_application_parent_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"R008-P1-C019","original_visible_claim_id":"R008-P1-C019","all_original_cells_read":true,"researcher_record_unchanged":true,"area_numbers_preserved":[8],"explicit_source_numbers":[4,7],"source_ranges_expanded":[],"selected_source_presence_not_entire_claim_primary_validation":true,"all_primary_claim_accepted":false,"original_status_codes_conditions_exceptions_inference_and_gaps_preserved":true}},{"claim_id":"R008-P1-C020","area_numbers":[8],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R008-P1-C020","Area and precise claim":"A potential successor’s application has a distinct confirmation-date branch.","Trigger, conditions, exceptions, and limits":"The servicer may evaluate before confirmation. If it elects not to, it must preserve the application/documents and, upon confirmation, treat receipt as occurring on the confirmation date, subject to remaining scope conditions; stale documents must be identified under the applicable acknowledgment rule. A preconfirmation review counts for the repeat-review exception only with full compliance and no different result attributable to confirmation. Confirmation policies must be prompt and must not unreasonably interfere with loss mitigation.","Source pinpoint; status":"S007 comment 41(b)-1; comments 38(b)(1)(vi)-1–5; S008 § 38(b)(1)(vi); R/O."},"coordinator_verification_status":"scoped_record_reconciliation_selected_federal_text_versions_comments_all_currentness_application_parent_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"R008-P1-C020","original_visible_claim_id":"R008-P1-C020","all_original_cells_read":true,"researcher_record_unchanged":true,"area_numbers_preserved":[8],"explicit_source_numbers":[7,8],"source_ranges_expanded":[],"selected_source_presence_not_entire_claim_primary_validation":true,"all_primary_claim_accepted":false,"original_status_codes_conditions_exceptions_inference_and_gaps_preserved":true}},{"claim_id":"R008-P1-C021","area_numbers":[8],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R008-P1-C021","Area and precise claim":"The optional successor acknowledgment procedure can suspend specified communications, including § 39, without suspending § 41.","Trigger, conditions, exceptions, and limits":"It applies to a confirmed successor not personally liable only if the servicer supplies the compliant notice and separate acknowledgment: confirmation, nonliability/qualified lien explanation, notices, request/understanding acknowledgment, no return deadline, and specified remaining rights. Until acknowledgment or assumption, the listed communication duties are excepted. Section 41 is not listed. Duplicate § 39 contact/disclosure may also be unnecessary when provided to another borrower as specified.","Source pinpoint; status":"S004 § 32(c)(1)–(4); S007 § 32(c) comments; R/O/I."},"coordinator_verification_status":"scoped_record_reconciliation_selected_federal_text_versions_comments_all_currentness_application_parent_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"R008-P1-C021","original_visible_claim_id":"R008-P1-C021","all_original_cells_read":true,"researcher_record_unchanged":true,"area_numbers_preserved":[8],"explicit_source_numbers":[4,7],"source_ranges_expanded":[],"selected_source_presence_not_entire_claim_primary_validation":true,"all_primary_claim_accepted":false,"original_status_codes_conditions_exceptions_inference_and_gaps_preserved":true}},{"claim_id":"R008-P1-C022","area_numbers":[8],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R008-P1-C022","Area and precise claim":"In Subpart C, “day” means calendar day unless the particular provision expressly excludes days.","Trigger, conditions, exceptions, and limits":"Delinquency begins when a periodic amount sufficient for principal, interest and applicable escrow becomes due and unpaid, and lasts until no periodic payment is due and unpaid. A late-fee grace period does not postpone that starting predicate.","Source pinpoint; status":"S004 § 31; S007 “Delinquency”-1; R/O."},"coordinator_verification_status":"scoped_record_reconciliation_selected_federal_text_versions_comments_all_currentness_application_parent_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"R008-P1-C022","original_visible_claim_id":"R008-P1-C022","all_original_cells_read":true,"researcher_record_unchanged":true,"area_numbers_preserved":[8],"explicit_source_numbers":[4,7],"source_ranges_expanded":[],"selected_source_presence_not_entire_claim_primary_validation":true,"all_primary_claim_accepted":false,"original_status_codes_conditions_exceptions_inference_and_gaps_preserved":true}},{"claim_id":"R008-P1-C023","area_numbers":[8],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R008-P1-C023","Area and precise claim":"Payment application can change the delinquency starting date.","Trigger, conditions, exceptions, and limits":"Applying a later payment to the oldest unpaid periodic payment advances the relevant date. A servicer choosing a payment tolerance cannot treat the same billing-cycle shortfall as nondelinquent for one Subpart C section while treating it as delinquent for another. Contractual acceleration is not generally barred by these provisions; its validity and accounting are held.","Source pinpoint; status":"S007 “Delinquency”-2–4; O/U."},"coordinator_verification_status":"scoped_record_reconciliation_selected_federal_text_versions_comments_all_currentness_application_parent_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"R008-P1-C023","original_visible_claim_id":"R008-P1-C023","all_original_cells_read":true,"researcher_record_unchanged":true,"area_numbers_preserved":[8],"explicit_source_numbers":[7],"source_ranges_expanded":[],"selected_source_presence_not_entire_claim_primary_validation":true,"all_primary_claim_accepted":false,"original_status_codes_conditions_exceptions_inference_and_gaps_preserved":true}},{"claim_id":"R008-P1-C024","area_numbers":[8],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R008-P1-C024","Area and precise claim":"A loss-mitigation application can be oral and can arise before a formal package is complete.","Trigger, conditions, exceptions, and limits":"A request plus information required for evaluation can be an application, including qualifying prequalification requests and authorized-agent submissions. A bare request for general information, without evaluative information, is not necessarily an application. Application and complete application remain different triggers.","Source pinpoint; status":"S004 § 31; S007 “Loss mitigation application”-1, comments 41(b)(1)-2–3; R/O."},"coordinator_verification_status":"scoped_record_reconciliation_selected_federal_text_versions_comments_all_currentness_application_parent_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"R008-P1-C024","original_visible_claim_id":"R008-P1-C024","all_original_cells_read":true,"researcher_record_unchanged":true,"area_numbers_preserved":[8],"explicit_source_numbers":[4,7],"source_ranges_expanded":[],"selected_source_presence_not_entire_claim_primary_validation":true,"all_primary_claim_accepted":false,"original_status_codes_conditions_exceptions_inference_and_gaps_preserved":true}},{"claim_id":"R008-P1-C025","area_numbers":[8],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R008-P1-C025","Area and precise claim":"“Available” options are those available through the servicer from the relevant owner/assignee.","Trigger, conditions, exceptions, and limits":"An option may be available to apply for even if the applicant ultimately fails its criteria. Another investor’s options serviced on the same platform are not automatically available. Pilot, geography, participation and other applicable program conditions remain relevant.","Source pinpoint; status":"S004 § 31; S007 “Loss mitigation option”-1–2; comments 41(c)(1)-1–3; R/O."},"coordinator_verification_status":"scoped_record_reconciliation_selected_federal_text_versions_comments_all_currentness_application_parent_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"R008-P1-C025","original_visible_claim_id":"R008-P1-C025","all_original_cells_read":true,"researcher_record_unchanged":true,"area_numbers_preserved":[8],"explicit_source_numbers":[4,7],"source_ranges_expanded":[],"selected_source_presence_not_entire_claim_primary_validation":true,"all_primary_claim_accepted":false,"original_status_codes_conditions_exceptions_inference_and_gaps_preserved":true}},{"claim_id":"R008-P1-C026","area_numbers":[8],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R008-P1-C026","Area and precise claim":"RESPA supplies rulemaking authority; § 41 expressly references an enforcement route but guarantees no particular option.","Trigger, conditions, exceptions, and limits":"Section 2605(j)(3), (k)(1)(E) support regulatory servicing obligations. Section 41(a) references § 2605(f), but does not require a modification or other specific option and does not create an investor-contract enforcement right. Section 2605(f)’s causation, pattern/practice, court, successful-action, and correction/nonliability conditions are not automatic awards. No private cause under every adjacent section, standing, injunction, or individual remedy is determined.","Source pinpoint; status":"S001 § 2605(f), (j)(3), (k)(1)(E); S006 § 41(a); T/R/U."},"coordinator_verification_status":"scoped_record_reconciliation_selected_federal_text_versions_comments_all_currentness_application_parent_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"R008-P1-C026","original_visible_claim_id":"R008-P1-C026","all_original_cells_read":true,"researcher_record_unchanged":true,"area_numbers_preserved":[8],"explicit_source_numbers":[1,6],"source_ranges_expanded":[],"selected_source_presence_not_entire_claim_primary_validation":true,"all_primary_claim_accepted":false,"original_status_codes_conditions_exceptions_inference_and_gaps_preserved":true}},{"claim_id":"R008-P1-C027","area_numbers":[8],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R008-P1-C027","Area and precise claim":"Ordinary live-contact duty arises by the 36th delinquency day and repeats by reference to subsequent payment due dates.","Trigger, conditions, exceptions, and limits":"The servicer must establish, or make good-faith efforts to establish, live contact no later than day 36, and again no later than 36 days after each payment due date while delinquency continues. After actual live contact, information about available loss mitigation must be supplied promptly if appropriate.","Source pinpoint; status":"S005 § 39(a); R."},"coordinator_verification_status":"scoped_record_reconciliation_selected_federal_text_versions_comments_all_currentness_application_parent_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"R008-P1-C027","original_visible_claim_id":"R008-P1-C027","all_original_cells_read":true,"researcher_record_unchanged":true,"area_numbers_preserved":[8],"explicit_source_numbers":[5],"source_ranges_expanded":[],"selected_source_presence_not_entire_claim_primary_validation":true,"all_primary_claim_accepted":false,"original_status_codes_conditions_exceptions_inference_and_gaps_preserved":true}},{"claim_id":"R008-P1-C028","area_numbers":[8],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R008-P1-C028","Area and precise claim":"Live contact and good-faith efforts are not identical.","Trigger, conditions, exceptions, and limits":"Telephone or in-person conversation qualifies; a recorded message is not itself live contact. Borrower-initiated contact or an authorized representative can qualify. Good-faith efforts are circumstances-dependent, without a universal call-count rule. A payment curing the relevant delinquency before the 36-day period ends can remove that contact trigger.","Source pinpoint; status":"S007 comments 39(a)-1.iv, -2–5; O."},"coordinator_verification_status":"scoped_record_reconciliation_selected_federal_text_versions_comments_all_currentness_application_parent_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"R008-P1-C028","original_visible_claim_id":"R008-P1-C028","all_original_cells_read":true,"researcher_record_unchanged":true,"area_numbers_preserved":[8],"explicit_source_numbers":[7],"source_ranges_expanded":[],"selected_source_presence_not_entire_claim_primary_validation":true,"all_primary_claim_accepted":false,"original_status_codes_conditions_exceptions_inference_and_gaps_preserved":true}},{"claim_id":"R008-P1-C029","area_numbers":[8],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R008-P1-C029","Area and precise claim":"Ordinary written notice uses a 45-day trigger and a distinct 180-day repeat rule.","Trigger, conditions, exceptions, and limits":"Notice is due by day 45, and by 45 days after each due date while delinquent, but is not required more than once in 180 days. If at least 45 days delinquent at the end of that interval, another notice is due no later than 180 days after the prior notice; if less than 45 days delinquent then, use 45 days after the payment due date for which delinquency remains.","Source pinpoint; status":"S005 § 39(b)(1); S007 comments 39(b)(1)-1–4; R/O."},"coordinator_verification_status":"scoped_record_reconciliation_selected_federal_text_versions_comments_all_currentness_application_parent_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"R008-P1-C029","original_visible_claim_id":"R008-P1-C029","all_original_cells_read":true,"researcher_record_unchanged":true,"area_numbers_preserved":[8],"explicit_source_numbers":[5,7],"source_ranges_expanded":[],"selected_source_presence_not_entire_claim_primary_validation":true,"all_primary_claim_accepted":false,"original_status_codes_conditions_exceptions_inference_and_gaps_preserved":true}},{"claim_id":"R008-P1-C030","area_numbers":[8],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R008-P1-C030","Area and precise claim":"The ordinary written notice has specified minimum content, not a guarantee of approval or an application deadline.","Trigger, conditions, exceptions, and limits":"It encourages contact; supplies the assigned-personnel telephone number and mailing address; gives applicable examples of options and application instructions or how to obtain them; and supplies the specified CFPB/HUD counseling-list website and HUD telephone information. It must satisfy § 32’s clear, conspicuous, retainable writing requirements. Models are optional. Section 40(a) separately requires reasonably designed assignment/contact policies by the written notice and no later than delinquency day 45.","Source pinpoint; status":"S005 § 39(b)(2)–(3); S004 § 32(a); S008 § 40(a); S007 § 39(b)(2) comments; R/O."},"coordinator_verification_status":"scoped_record_reconciliation_selected_federal_text_versions_comments_all_currentness_application_parent_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"R008-P1-C030","original_visible_claim_id":"R008-P1-C030","all_original_cells_read":true,"researcher_record_unchanged":true,"area_numbers_preserved":[8],"explicit_source_numbers":[4,5,7,8],"source_ranges_expanded":[],"selected_source_presence_not_entire_claim_primary_validation":true,"all_primary_claim_accepted":false,"original_status_codes_conditions_exceptions_inference_and_gaps_preserved":true}},{"claim_id":"R008-P1-C031","area_numbers":[8],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R008-P1-C031","Area and precise claim":"Certain ongoing loss-mitigation circumstances satisfy or alter § 39 duties without rewriting every delinquency rule.","Trigger, conditions, exceptions, and limits":"Ongoing § 41 contact or the specified no-options determination can satisfy § 39(a); a new delinquency after cure requires resumed compliance. Performing an agreed option designed to cure prior missed payments is treated as nondelinquent for § 39. Oral loss-mitigation information does not by itself replace the written notice.","Source pinpoint; status":"S007 comments 39(a)-1.ii, -6; 39(b)(1)-4; O."},"coordinator_verification_status":"scoped_record_reconciliation_selected_federal_text_versions_comments_all_currentness_application_parent_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"R008-P1-C031","original_visible_claim_id":"R008-P1-C031","all_original_cells_read":true,"researcher_record_unchanged":true,"area_numbers_preserved":[8],"explicit_source_numbers":[7],"source_ranges_expanded":[],"selected_source_presence_not_entire_claim_primary_validation":true,"all_primary_claim_accepted":false,"original_status_codes_conditions_exceptions_inference_and_gaps_preserved":true}},{"claim_id":"R008-P1-C032","area_numbers":[8],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R008-P1-C032","Area and precise claim":"Section 39 has narrow transfer interactions independently read here.","Trigger, conditions, exceptions, and limits":"A transferee generally cannot rely on a predecessor’s preceding 180-day notice interval, subject to the notice given within 45 days of transfer qualification. Separately, during the specified 60-day transfer period, documented timely payments misdirected to the old servicer can mean no delinquency for § 39. These are not a transfer-notice audit or a universal suspension of payment/application duties.","Source pinpoint; status":"S007 comments 39(b)(1)-5; 39(a)-1.iii; O."},"coordinator_verification_status":"scoped_record_reconciliation_selected_federal_text_versions_comments_all_currentness_application_parent_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"R008-P1-C032","original_visible_claim_id":"R008-P1-C032","all_original_cells_read":true,"researcher_record_unchanged":true,"area_numbers_preserved":[8],"explicit_source_numbers":[7],"source_ranges_expanded":[],"selected_source_presence_not_entire_claim_primary_validation":true,"all_primary_claim_accepted":false,"original_status_codes_conditions_exceptions_inference_and_gaps_preserved":true}},{"claim_id":"R008-P1-C033","area_numbers":[8],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R008-P1-C033","Area and precise claim":"Bankruptcy creates partial early-intervention exemptions at the loan level.","Trigger, conditions, exceptions, and limits":"While any borrower is a debtor in bankruptcy, § 39(a) live contact is excepted. Written notice is also excepted if no option is available or the qualifying FDCPA cease-communication condition applies. “Available” does not mean already proven eligible.","Source pinpoint; status":"S005 § 39(c)(1)(i)–(ii); S007 comments 39(c)(1)-1 and (ii)-1–2; R/O."},"coordinator_verification_status":"scoped_record_reconciliation_selected_federal_text_versions_comments_all_currentness_application_parent_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"R008-P1-C033","original_visible_claim_id":"R008-P1-C033","all_original_cells_read":true,"researcher_record_unchanged":true,"area_numbers_preserved":[8],"explicit_source_numbers":[5,7],"source_ranges_expanded":[],"selected_source_presence_not_entire_claim_primary_validation":true,"all_primary_claim_accepted":false,"original_status_codes_conditions_exceptions_inference_and_gaps_preserved":true}},{"claim_id":"R008-P1-C034","area_numbers":[8],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R008-P1-C034","Area and precise claim":"If the bankruptcy written-notice exemption does not apply, the modified notice has a separate clock and content restriction.","Trigger, conditions, exceptions, and limits":"Already delinquent at petition: by 45 days after filing the petition. Later delinquency: by its 45th day. This applies despite a notice in the preceding 180 days. No payment request; not required more than once in the same bankruptcy case. Applicable bankruptcy law or court orders may require adaptation.","Source pinpoint; status":"S005 § 39(c)(1)(iii); S007 comments 39(c)-1–2, 39(c)(1)(iii)-1, 39(c)(2)-1; R/O."},"coordinator_verification_status":"scoped_record_reconciliation_selected_federal_text_versions_comments_all_currentness_application_parent_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"R008-P1-C034","original_visible_claim_id":"R008-P1-C034","all_original_cells_read":true,"researcher_record_unchanged":true,"area_numbers_preserved":[8],"explicit_source_numbers":[5,7],"source_ranges_expanded":[],"selected_source_presence_not_entire_claim_primary_validation":true,"all_primary_claim_accepted":false,"original_status_codes_conditions_exceptions_inference_and_gaps_preserved":true}},{"claim_id":"R008-P1-C035","area_numbers":[8],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R008-P1-C035","Area and precise claim":"Resumption after bankruptcy has specified events and a discharge qualification.","Trigger, conditions, exceptions, and limits":"Ordinarily resume after the next payment due date following the earliest dismissal, closure, or reaffirmation. Following the specified discharge of personal liability, live contact need not resume; written notice must resume if any partial or periodic payment was made after commencement. Reopening does not automatically require a second notice for the same case. Actual discharge, orders, and stay effects are held.","Source pinpoint; status":"S005 § 39(c)(2); S007 comment 39(c)(2)-1; R/O/U."},"coordinator_verification_status":"scoped_record_reconciliation_selected_federal_text_versions_comments_all_currentness_application_parent_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"R008-P1-C035","original_visible_claim_id":"R008-P1-C035","all_original_cells_read":true,"researcher_record_unchanged":true,"area_numbers_preserved":[8],"explicit_source_numbers":[5,7],"source_ranges_expanded":[],"selected_source_presence_not_entire_claim_primary_validation":true,"all_primary_claim_accepted":false,"original_status_codes_conditions_exceptions_inference_and_gaps_preserved":true}},{"claim_id":"R008-P1-C036","area_numbers":[8],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R008-P1-C036","Area and precise claim":"The FDCPA partial exemption requires applicability to the servicer with respect to the particular loan and a qualifying notification.","Trigger, conditions, exceptions, and limits":"Section 805(c) concerns written refusal-to-pay or cease-communication notification; mailed notification is complete upon receipt. Section 39(d) then exempts live contact, and exempts written notice if no option is available or any borrower is in bankruptcy. An ordinary application, payment dispute, or preference for email is not assumed to meet this trigger.","Source pinpoint; status":"S002 § 1692c(c); S005 § 39(d)(1)–(2); T/R/U."},"coordinator_verification_status":"scoped_record_reconciliation_selected_federal_text_versions_comments_all_currentness_application_parent_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"R008-P1-C036","original_visible_claim_id":"R008-P1-C036","all_original_cells_read":true,"researcher_record_unchanged":true,"area_numbers_preserved":[8],"explicit_source_numbers":[2,5],"source_ranges_expanded":[],"selected_source_presence_not_entire_claim_primary_validation":true,"all_primary_claim_accepted":false,"original_status_codes_conditions_exceptions_inference_and_gaps_preserved":true}},{"claim_id":"R008-P1-C037","area_numbers":[8],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R008-P1-C037","Area and precise claim":"The FDCPA modified written notice uses a prohibition on repetition and a 190-day outer branch.","Trigger, conditions, exceptions, and limits":"Where notice remains required, include the specified may/intends-to-foreclose statement and no payment request. It is prohibited more than once in 180 days. If at least 45 days delinquent at interval end, repeat by day 190 after the prior notice; otherwise by the later of 45 days after the relevant unpaid due date or that day 190. Comment 39(d)-2 permits the required modified notice and borrower-initiated loss-mitigation assistance under § 805(c), while preserving other FDCPA restrictions.","Source pinpoint; status":"S005 § 39(d)(3); S015; S007 comments 39(d)-1–2; R/O."},"coordinator_verification_status":"scoped_record_reconciliation_selected_federal_text_versions_comments_all_currentness_application_parent_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"R008-P1-C037","original_visible_claim_id":"R008-P1-C037","all_original_cells_read":true,"researcher_record_unchanged":true,"area_numbers_preserved":[8],"explicit_source_numbers":[5,7,15],"source_ranges_expanded":[],"selected_source_presence_not_entire_claim_primary_validation":true,"all_primary_claim_accepted":false,"original_status_codes_conditions_exceptions_inference_and_gaps_preserved":true}},{"claim_id":"R008-P1-C038","area_numbers":[8],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R008-P1-C038","Area and precise claim":"An early-intervention exception is not automatically a loss-mitigation or foreclosure exception.","Trigger, conditions, exceptions, and limits":"The bankruptcy, FDCPA, and successor-acknowledgment provisions identify particular communication duties. Their existence does not itself eliminate otherwise applicable § 41 protections. Independent § 30 scope exclusions, small-servicer treatment, and other laws must still be examined.","Source pinpoint; status":"S004 § 32(c); S005 § 39(c)–(d); S006; I, from the provisions’ distinct scope."},"coordinator_verification_status":"scoped_record_reconciliation_selected_federal_text_versions_comments_all_currentness_application_parent_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"R008-P1-C038","original_visible_claim_id":"R008-P1-C038","all_original_cells_read":true,"researcher_record_unchanged":true,"area_numbers_preserved":[8],"explicit_source_numbers":[4,5,6],"source_ranges_expanded":[],"selected_source_presence_not_entire_claim_primary_validation":true,"all_primary_claim_accepted":false,"original_status_codes_conditions_exceptions_inference_and_gaps_preserved":true}},{"claim_id":"R008-P1-C039","area_numbers":[8],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R008-P1-C039","Area and precise claim":"Completeness turns on actual receipt of all information required from the borrower, with reasonable diligence by the servicer.","Trigger, conditions, exceptions, and limits":"The servicer must promptly seek missing information and consider material already transferred. It cannot stop collecting for remaining available options solely because the borrower prefers another option; confirmed ineligibility under applicable criteria can end collection for a particular option. Missing information outside borrower control does not itself make the borrower’s application incomplete.","Source pinpoint; status":"S006 § 41(b)(1); S007 comments 41(b)(1)-1, -4–5; R/O."},"coordinator_verification_status":"scoped_record_reconciliation_selected_federal_text_versions_comments_all_currentness_application_parent_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"R008-P1-C039","original_visible_claim_id":"R008-P1-C039","all_original_cells_read":true,"researcher_record_unchanged":true,"area_numbers_preserved":[8],"explicit_source_numbers":[6,7],"source_ranges_expanded":[],"selected_source_presence_not_entire_claim_primary_validation":true,"all_primary_claim_accepted":false,"original_status_codes_conditions_exceptions_inference_and_gaps_preserved":true}},{"claim_id":"R008-P1-C040","area_numbers":[8],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R008-P1-C040","Area and precise claim":"Initial receipt at least 45 days before sale triggers prompt review and a five-day acknowledgment.","Trigger, conditions, exceptions, and limits":"At 45 days or more, promptly review completeness and provide written acknowledgment within five days excluding legal public holidays, Saturdays and Sundays. State complete/incomplete; if incomplete, identify missing documents/information and the reasonable date. Include the statement about considering other servicers of loans secured by the same property. No scheduled sale is treated as satisfying this 45-day gate.","Source pinpoint; status":"S006 § 41(b)(2)(i); S007 comment 41(b)(2)(i)-1; R/O."},"coordinator_verification_status":"scoped_record_reconciliation_selected_federal_text_versions_comments_all_currentness_application_parent_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"R008-P1-C040","original_visible_claim_id":"R008-P1-C040","all_original_cells_read":true,"researcher_record_unchanged":true,"area_numbers_preserved":[8],"explicit_source_numbers":[6,7],"source_ranges_expanded":[],"selected_source_presence_not_entire_claim_primary_validation":true,"all_primary_claim_accepted":false,"original_status_codes_conditions_exceptions_inference_and_gaps_preserved":true}},{"claim_id":"R008-P1-C041","area_numbers":[8],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R008-P1-C041","Area and precise claim":"The disclosed completion date must be reasonable, with milestone constraints and a seven-day minimum.","Trigger, conditions, exceptions, and limits":"Thirty days after providing the acknowledgment is generally reasonable, subject to the earliest relevant document-staleness date, delinquency day 120, 90 days before sale, or 38 days before sale. The reasonable date must never be less than seven days after provision of the notice. This is not an unconditional 30-day borrower entitlement or a universal foreclosure pause through the disclosed date.","Source pinpoint; status":"S006 § 41(b)(2)(ii); S007 comments 41(b)(2)(ii)-1–3; transfer qualification in 41(k)(2)(ii)-3; R/O/I."},"coordinator_verification_status":"scoped_record_reconciliation_selected_federal_text_versions_comments_all_currentness_application_parent_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"R008-P1-C041","original_visible_claim_id":"R008-P1-C041","all_original_cells_read":true,"researcher_record_unchanged":true,"area_numbers_preserved":[8],"explicit_source_numbers":[6,7],"source_ranges_expanded":[],"selected_source_presence_not_entire_claim_primary_validation":true,"all_primary_claim_accepted":false,"original_status_codes_conditions_exceptions_inference_and_gaps_preserved":true}},{"claim_id":"R008-P1-C042","area_numbers":[8],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R008-P1-C042","Area and precise claim":"Sale-distance protections use a receipt-date snapshot.","Trigger, conditions, exceptions, and limits":"Determine sale-distance protection as of receipt of the complete application. If no sale is then scheduled, treat it as received more than 90 days before sale. Protections that attached remain after later scheduling/rescheduling. A postponement is not assumed to retroactively cure an originally late submission; any new qualifying receipt or other rule requires separate analysis.","Source pinpoint; status":"S006 § 41(b)(3); S007 comments 41(b)(3)-1–2; last sentence I/U."},"coordinator_verification_status":"scoped_record_reconciliation_selected_federal_text_versions_comments_all_currentness_application_parent_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"R008-P1-C042","original_visible_claim_id":"R008-P1-C042","all_original_cells_read":true,"researcher_record_unchanged":true,"area_numbers_preserved":[8],"explicit_source_numbers":[6,7],"source_ranges_expanded":[],"selected_source_presence_not_entire_claim_primary_validation":true,"all_primary_claim_accepted":false,"original_status_codes_conditions_exceptions_inference_and_gaps_preserved":true}},{"claim_id":"R008-P1-C043","area_numbers":[8],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R008-P1-C043","Area and precise claim":"A complete application received more than 37 days before sale ordinarily triggers evaluation and determination within 30 calendar days.","Trigger, conditions, exceptions, and limits":"Evaluate all available options and provide a written determination, including applicable acceptance/rejection period and modification-appeal right, time and requirements. The external-information exception in (c)(4)(ii) and transfer provisions must be checked. Exactly 37 days does not meet this ordinary gate.","Source pinpoint; status":"S006 § 41(c)(1); R."},"coordinator_verification_status":"scoped_record_reconciliation_selected_federal_text_versions_comments_all_currentness_application_parent_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"R008-P1-C043","original_visible_claim_id":"R008-P1-C043","all_original_cells_read":true,"researcher_record_unchanged":true,"area_numbers_preserved":[8],"explicit_source_numbers":[6],"source_ranges_expanded":[],"selected_source_presence_not_entire_claim_primary_validation":true,"all_primary_claim_accepted":false,"original_status_codes_conditions_exceptions_inference_and_gaps_preserved":true}},{"claim_id":"R008-P1-C044","area_numbers":[8],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R008-P1-C044","Area and precise claim":"Incomplete-application offers cannot be used to evade complete-application evaluation.","Trigger, conditions, exceptions, and limits":"The operative exceptions are (c)(2)(ii), (iii), and (v). The interpretation separately permits offers without an application or without evaluating information supplied with an incomplete application; that is not permission to disregard duties already triggered by a qualifying application.","Source pinpoint; status":"S006 § 41(c)(2)(i); S007 comments 41(c)(2)(i)-1–2; R/O/I."},"coordinator_verification_status":"scoped_record_reconciliation_selected_federal_text_versions_comments_all_currentness_application_parent_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"R008-P1-C044","original_visible_claim_id":"R008-P1-C044","all_original_cells_read":true,"researcher_record_unchanged":true,"area_numbers_preserved":[8],"explicit_source_numbers":[6,7],"source_ranges_expanded":[],"selected_source_presence_not_entire_claim_primary_validation":true,"all_primary_claim_accepted":false,"original_status_codes_conditions_exceptions_inference_and_gaps_preserved":true}},{"claim_id":"R008-P1-C045","area_numbers":[8],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R008-P1-C045","Area and precise claim":"A significantly stalled incomplete application may be evaluated at the servicer’s discretion under a specific exception.","Trigger, conditions, exceptions, and limits":"The servicer must have exercised reasonable diligence; incompleteness must persist for a significant period under the circumstances without further borrower progress. The resulting evaluation/offer is not a complete-application review for the repeat-review limitation. “Significant” is contextual, not a universal fixed waiting period.","Source pinpoint; status":"S006 § 41(c)(2)(ii); S007 comment 41(c)(2)(ii)-1; R/O."},"coordinator_verification_status":"scoped_record_reconciliation_selected_federal_text_versions_comments_all_currentness_application_parent_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"R008-P1-C045","original_visible_claim_id":"R008-P1-C045","all_original_cells_read":true,"researcher_record_unchanged":true,"area_numbers_preserved":[8],"explicit_source_numbers":[6,7],"source_ranges_expanded":[],"selected_source_presence_not_entire_claim_primary_validation":true,"all_primary_claim_accepted":false,"original_status_codes_conditions_exceptions_inference_and_gaps_preserved":true}},{"claim_id":"R008-P1-C046","area_numbers":[8],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R008-P1-C046","Area and precise claim":"Short-term forbearance and repayment exceptions have different definitions.","Trigger, conditions, exceptions, and limits":"Forbearance covers payments due over no more than six months, regardless of the later makeup period. A short-term repayment plan addresses no more than three months of past-due payments, repaid over no more than six months. These numerical limits identify this exception, not all possible programs.","Source pinpoint; status":"S007 comments 41(c)(2)(iii)-1, -4; S006 § 41(c)(2)(iii); R/O."},"coordinator_verification_status":"scoped_record_reconciliation_selected_federal_text_versions_comments_all_currentness_application_parent_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"R008-P1-C046","original_visible_claim_id":"R008-P1-C046","all_original_cells_read":true,"researcher_record_unchanged":true,"area_numbers_preserved":[8],"explicit_source_numbers":[6,7],"source_ranges_expanded":[],"selected_source_presence_not_entire_claim_primary_validation":true,"all_primary_claim_accepted":false,"original_status_codes_conditions_exceptions_inference_and_gaps_preserved":true}},{"claim_id":"R008-P1-C047","area_numbers":[8],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R008-P1-C047","Area and precise claim":"A qualifying short-term offer based on an incomplete application creates notice and performance protections.","Trigger, conditions, exceptions, and limits":"Unless rejected, promptly provide written payment terms/duration, incomplete-application basis, possible other options, and ability to complete an application regardless of acceptance. “Promptly” generally means within five excluded-days after offering. While the agreed program/plan is being performed, no first notice/filing, motion for judgment/order of sale, or sale. Other applicable application duties continue; diligence can be suspended in the limited compliant/no-further-assistance circumstance, with the prescribed resumption and pre-end contact.","Source pinpoint; status":"S006 § 41(c)(2)(iii); S007 comments 41(c)(2)(iii)-2–3, -5–6; 41(b)(1)-4.iii; R/O."},"coordinator_verification_status":"scoped_record_reconciliation_selected_federal_text_versions_comments_all_currentness_application_parent_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"R008-P1-C047","original_visible_claim_id":"R008-P1-C047","all_original_cells_read":true,"researcher_record_unchanged":true,"area_numbers_preserved":[8],"explicit_source_numbers":[6,7],"source_ranges_expanded":[],"selected_source_presence_not_entire_claim_primary_validation":true,"all_primary_claim_accepted":false,"original_status_codes_conditions_exceptions_inference_and_gaps_preserved":true}},{"claim_id":"R008-P1-C048","area_numbers":[8],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R008-P1-C048","Area and precise claim":"Retained § 41(c)(2)(v) permits a specified COVID-related deferral option based on incomplete information only if all conditions hold.","Trigger, conditions, exceptions, and limits":"Covered amounts can be delayed until refinancing, property sale, the existing loan term’s end, or FHA insurance termination as specified; covered amounts include the stated COVID-related forborne/due-unpaid principal and interest. Deferred amounts bear no interest; no option fee; existing late charges, penalties, stop-payment and similar charges are promptly waived on acceptance; acceptance ends pre-existing delinquency. Only then does (B) relieve (b)(1)–(2) duties for applications preceding that offer. No program availability or hardship eligibility is determined.","Source pinpoint; status":"S006 § 41(c)(2)(v)(A)(1)–(3), (B); C003’s definition gap; R/U."},"coordinator_verification_status":"scoped_record_reconciliation_selected_federal_text_versions_comments_all_currentness_application_parent_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"R008-P1-C048","original_visible_claim_id":"R008-P1-C048","all_original_cells_read":true,"researcher_record_unchanged":true,"area_numbers_preserved":[8],"explicit_source_numbers":[6],"source_ranges_expanded":[],"selected_source_presence_not_entire_claim_primary_validation":true,"all_primary_claim_accepted":false,"original_status_codes_conditions_exceptions_inference_and_gaps_preserved":true}},{"claim_id":"R008-P1-C049","area_numbers":[8],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R008-P1-C049","Area and precise claim":"Facially complete applications receive specified protective treatment, not one universal completion date for every purpose.","Trigger, conditions, exceptions, and limits":"Facial completeness arises when all listed missing material is submitted, no more material is requested in the acknowledgment, or the complete-application notice becomes required. Later-discovered missing/corrected material must be requested promptly; treat the application as complete for (f)(2) and (g) during a reasonable opportunity to cure. Timely completion relates back for (d), (e), (f)(2), (g), (h), but (c) uses actual completion. Failure to complete within the reasonable opportunity leaves it incomplete.","Source pinpoint; status":"S006 § 41(c)(2)(iv); S007 comments 41(c)(2)(iv)-1–2; R/O."},"coordinator_verification_status":"scoped_record_reconciliation_selected_federal_text_versions_comments_all_currentness_application_parent_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"R008-P1-C049","original_visible_claim_id":"R008-P1-C049","all_original_cells_read":true,"researcher_record_unchanged":true,"area_numbers_preserved":[8],"explicit_source_numbers":[6,7],"source_ranges_expanded":[],"selected_source_presence_not_entire_claim_primary_validation":true,"all_primary_claim_accepted":false,"original_status_codes_conditions_exceptions_inference_and_gaps_preserved":true}},{"claim_id":"R008-P1-C050","area_numbers":[8],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R008-P1-C050","Area and precise claim":"The complete-application notice is a separate five-excluded-day duty, with express exceptions.","Trigger, conditions, exceptions, and limits":"It states completeness, actual receipt date, expected 30-day evaluation, applicable pre-/post-first-filing protection, potential later information requests/reasonable opportunity/consequences, and possible additional law. Exceptions: prior complete acknowledgment without later correction request; application neither complete nor facially complete more than 37 days before sale; or already-provided determination. Recompletion generally requires a new notice unless an exception applies.","Source pinpoint; status":"S006 § 41(c)(3)(i)–(ii); S007 comments 41(c)(3)(i)-1–3; R/O."},"coordinator_verification_status":"scoped_record_reconciliation_selected_federal_text_versions_comments_all_currentness_application_parent_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"R008-P1-C050","original_visible_claim_id":"R008-P1-C050","all_original_cells_read":true,"researcher_record_unchanged":true,"area_numbers_preserved":[8],"explicit_source_numbers":[6,7],"source_ranges_expanded":[],"selected_source_presence_not_entire_claim_primary_validation":true,"all_primary_claim_accepted":false,"original_status_codes_conditions_exceptions_inference_and_gaps_preserved":true}},{"claim_id":"R008-P1-C051","area_numbers":[8],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R008-P1-C051","Area and precise claim":"Information outside borrower control requires servicer diligence, including information within the servicer’s own control.","Trigger, conditions, exceptions, and limits":"The servicer must request it promptly and, to the extent practicable, in time for the 30-day evaluation. It must complete all possible evaluation steps within that period. Its own missing work is not automatically a third-party-delay exception.","Source pinpoint; status":"S006 § 41(c)(4)(i); S007 comments 41(c)(4)(i)-1, 41(c)(4)(ii)-1; R/O."},"coordinator_verification_status":"scoped_record_reconciliation_selected_federal_text_versions_comments_all_currentness_application_parent_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"R008-P1-C051","original_visible_claim_id":"R008-P1-C051","all_original_cells_read":true,"researcher_record_unchanged":true,"area_numbers_preserved":[8],"explicit_source_numbers":[6,7],"source_ranges_expanded":[],"selected_source_presence_not_entire_claim_primary_validation":true,"all_primary_claim_accepted":false,"original_status_codes_conditions_exceptions_inference_and_gaps_preserved":true}},{"claim_id":"R008-P1-C052","area_numbers":[8],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R008-P1-C052","Area and precise claim":"True third-party delay has a notice and continuing-effort branch.","Trigger, conditions, exceptions, and limits":"If information from a party other than the borrower or servicer prevents determination within 30 days, provide the specified delay notice within that period or promptly afterward: missing specific information, request made, and prompt completion when received. Heighten efforts after 30 days; do not issue the final determination before receipt except under C053. Promptly determine once received.","Source pinpoint; status":"S006 § 41(c)(4)(ii)(B)–(C); S007 comment 41(c)(4)(i)-2; R/O."},"coordinator_verification_status":"scoped_record_reconciliation_selected_federal_text_versions_comments_all_currentness_application_parent_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"R008-P1-C052","original_visible_claim_id":"R008-P1-C052","all_original_cells_read":true,"researcher_record_unchanged":true,"area_numbers_preserved":[8],"explicit_source_numbers":[6,7],"source_ranges_expanded":[],"selected_source_presence_not_entire_claim_primary_validation":true,"all_primary_claim_accepted":false,"original_status_codes_conditions_exceptions_inference_and_gaps_preserved":true}},{"claim_id":"R008-P1-C053","area_numbers":[8],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R008-P1-C053","Area and precise claim":"Denial solely for unavailable outside information is ordinarily prohibited; the exception is narrow.","Trigger, conditions, exceptions, and limits":"Reasonable diligence; a significant period after the 30-day period; information from neither borrower nor servicer; and applicable owner/assignee requirements making determination impossible without it are required. The servicer may then deny with the prescribed determination and copy of the delay notice. Denial is permitted, not compelled; no fixed “significant period” is invented.","Source pinpoint; status":"S006 § 41(c)(4)(ii)(A); S007 comment 41(c)(4)(ii)-2; R/O."},"coordinator_verification_status":"scoped_record_reconciliation_selected_federal_text_versions_comments_all_currentness_application_parent_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"R008-P1-C053","original_visible_claim_id":"R008-P1-C053","all_original_cells_read":true,"researcher_record_unchanged":true,"area_numbers_preserved":[8],"explicit_source_numbers":[6,7],"source_ranges_expanded":[],"selected_source_presence_not_entire_claim_primary_validation":true,"all_primary_claim_accepted":false,"original_status_codes_conditions_exceptions_inference_and_gaps_preserved":true}},{"claim_id":"R008-P1-C054","area_numbers":[8],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R008-P1-C054","Area and precise claim":"A modification-denial notice must give the actual specific reasons for each denied trial or permanent modification option.","Trigger, conditions, exceptions, and limits":"Identify the investor/guarantor and specific requirement when that is the basis; generic “investor restriction” is insufficient. For an NPV denial disclose calculation inputs. Waterfall treatment has its specified explanation allowance. Disclose criteria actually causing denial and, where applicable, that other criteria were not evaluated. Offering another option does not erase a modification denial.","Source pinpoint; status":"S006 § 41(d); S007 comments 41(d)-1–4; R/O."},"coordinator_verification_status":"scoped_record_reconciliation_selected_federal_text_versions_comments_all_currentness_application_parent_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"R008-P1-C054","original_visible_claim_id":"R008-P1-C054","all_original_cells_read":true,"researcher_record_unchanged":true,"area_numbers_preserved":[8],"explicit_source_numbers":[6,7],"source_ranges_expanded":[],"selected_source_presence_not_entire_claim_primary_validation":true,"all_primary_claim_accepted":false,"original_status_codes_conditions_exceptions_inference_and_gaps_preserved":true}},{"claim_id":"R008-P1-C055","area_numbers":[8],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R008-P1-C055","Area and precise claim":"The ordinary offer-response periods constrain how soon the servicer may demand a response.","Trigger, conditions, exceptions, and limits":"Complete receipt 90 days or more before sale: no earlier than 14 calendar days after providing the offer. Complete receipt less than 90 but more than 37 days before sale: no earlier than seven calendar days. These are minimum permitted periods, not proof of the actual offer’s expiry.","Source pinpoint; status":"S006 § 41(e)(1); R."},"coordinator_verification_status":"scoped_record_reconciliation_selected_federal_text_versions_comments_all_currentness_application_parent_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"R008-P1-C055","original_visible_claim_id":"R008-P1-C055","all_original_cells_read":true,"researcher_record_unchanged":true,"area_numbers_preserved":[8],"explicit_source_numbers":[6],"source_ranges_expanded":[],"selected_source_presence_not_entire_claim_primary_validation":true,"all_primary_claim_accepted":false,"original_status_codes_conditions_exceptions_inference_and_gaps_preserved":true}},{"claim_id":"R008-P1-C056","area_numbers":[8],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R008-P1-C056","Area and precise claim":"Nonacceptance may be deemed rejection, subject to specified qualifications.","Trigger, conditions, exceptions, and limits":"The actual deadline must comply with (e)(1). Timely submission of trial-plan payments requires a reasonable extra period to complete remaining acceptance requirements. A qualifying appeal has the separate extension in C060.","Source pinpoint; status":"S006 § 41(e)(2)(i)–(ii); R."},"coordinator_verification_status":"scoped_record_reconciliation_selected_federal_text_versions_comments_all_currentness_application_parent_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"R008-P1-C056","original_visible_claim_id":"R008-P1-C056","all_original_cells_read":true,"researcher_record_unchanged":true,"area_numbers_preserved":[8],"explicit_source_numbers":[6],"source_ranges_expanded":[],"selected_source_presence_not_entire_claim_primary_validation":true,"all_primary_claim_accepted":false,"original_status_codes_conditions_exceptions_inference_and_gaps_preserved":true}},{"claim_id":"R008-P1-C057","area_numbers":[8],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R008-P1-C057","Area and precise claim":"Appeal eligibility concerns trial/permanent modification denials and has two alternative timing routes.","Trigger, conditions, exceptions, and limits":"Complete application received 90 days or more before sale, or during the period set forth in (f). It is not a universal appeal for every option denial. An application received after first filing with only 38–89 days remaining does not qualify through the 90-day route merely because the >37-day evaluation gate is met.","Source pinpoint; status":"S006 § 41(h)(1); R/I."},"coordinator_verification_status":"scoped_record_reconciliation_selected_federal_text_versions_comments_all_currentness_application_parent_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"R008-P1-C057","original_visible_claim_id":"R008-P1-C057","all_original_cells_read":true,"researcher_record_unchanged":true,"area_numbers_preserved":[8],"explicit_source_numbers":[6],"source_ranges_expanded":[],"selected_source_presence_not_entire_claim_primary_validation":true,"all_primary_claim_accepted":false,"original_status_codes_conditions_exceptions_inference_and_gaps_preserved":true}},{"claim_id":"R008-P1-C058","area_numbers":[8],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R008-P1-C058","Area and precise claim":"The appeal provision supplies a 14-day making window; it does not itself universally say the appeal must be written.","Trigger, conditions, exceptions, and limits":"Section (h)(2) requires permitting an appeal within 14 days after the servicer provides the offer pursuant to (c)(1)(ii). The determination must disclose applicable appeal requirements. Do not replace “provides,” “makes,” or the disclosed requirements with an invented mailing/receipt presumption. The exact appeal method and deadline in any actual notice remain unknown.","Source pinpoint; status":"S006 §§ 41(c)(1)(ii), (h)(2); R/U."},"coordinator_verification_status":"scoped_record_reconciliation_selected_federal_text_versions_comments_all_currentness_application_parent_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"R008-P1-C058","original_visible_claim_id":"R008-P1-C058","all_original_cells_read":true,"researcher_record_unchanged":true,"area_numbers_preserved":[8],"explicit_source_numbers":[6],"source_ranges_expanded":[],"selected_source_presence_not_entire_claim_primary_validation":true,"all_primary_claim_accepted":false,"original_status_codes_conditions_exceptions_inference_and_gaps_preserved":true}},{"claim_id":"R008-P1-C059","area_numbers":[8],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R008-P1-C059","Area and precise claim":"Appeal review requires different personnel and a timely determination notice.","Trigger, conditions, exceptions, and limits":"A supervisor may review if not directly involved in the original evaluation. Within 30 calendar days of the borrower making the appeal, provide the determination and applicable response period. Acceptance cannot be required earlier than 14 days after provision of that notice. No further appeal is required under this paragraph. The notice is subject to § 32’s writing rule.","Source pinpoint; status":"S006 § 41(h)(3)–(4); S007 comment 41(h)(3)-1; S004 § 32(a); R/O."},"coordinator_verification_status":"scoped_record_reconciliation_selected_federal_text_versions_comments_all_currentness_application_parent_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"R008-P1-C059","original_visible_claim_id":"R008-P1-C059","all_original_cells_read":true,"researcher_record_unchanged":true,"area_numbers_preserved":[8],"explicit_source_numbers":[4,6,7],"source_ranges_expanded":[],"selected_source_presence_not_entire_claim_primary_validation":true,"all_primary_claim_accepted":false,"original_status_codes_conditions_exceptions_inference_and_gaps_preserved":true}},{"claim_id":"R008-P1-C060","area_numbers":[8],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R008-P1-C060","Area and precise claim":"A qualifying appeal extends the acceptance period for the offered loss-mitigation option.","Trigger, conditions, exceptions, and limits":"The acceptance deadline is extended until 14 days after the (h)(4) notice is provided. This does not itself extend an unrelated court-response, assistance-program, or other contractual deadline.","Source pinpoint; status":"S006 § 41(e)(2)(iii), (h)(4); R/I."},"coordinator_verification_status":"scoped_record_reconciliation_selected_federal_text_versions_comments_all_currentness_application_parent_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"R008-P1-C060","original_visible_claim_id":"R008-P1-C060","all_original_cells_read":true,"researcher_record_unchanged":true,"area_numbers_preserved":[8],"explicit_source_numbers":[6],"source_ranges_expanded":[],"selected_source_presence_not_entire_claim_primary_validation":true,"all_primary_claim_accepted":false,"original_status_codes_conditions_exceptions_inference_and_gaps_preserved":true}},{"claim_id":"R008-P1-C061","area_numbers":[8],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R008-P1-C061","Area and precise claim":"The ordinary first-notice/filing restriction uses more than 120 days delinquent.","Trigger, conditions, exceptions, and limits":"Section (f)(1) also permits the threshold exception where foreclosure is based on a due-on-sale violation, or the servicer is joining a superior/subordinate lienholder’s foreclosure. These are exceptions to (f)(1), not automatic exceptions to every other protection. No current general abandoned-property exception appears in (f)(1).","Source pinpoint; status":"S006 § 41(f)(1)(i)–(iii); S017 deletion of (f)(3); R/I."},"coordinator_verification_status":"scoped_record_reconciliation_selected_federal_text_versions_comments_all_currentness_application_parent_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"R008-P1-C061","original_visible_claim_id":"R008-P1-C061","all_original_cells_read":true,"researcher_record_unchanged":true,"area_numbers_preserved":[8],"explicit_source_numbers":[6,17],"source_ranges_expanded":[],"selected_source_presence_not_entire_claim_primary_validation":true,"all_primary_claim_accepted":false,"original_status_codes_conditions_exceptions_inference_and_gaps_preserved":true}},{"claim_id":"R008-P1-C062","area_numbers":[8],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R008-P1-C062","Area and precise claim":"Identifying the first notice or filing requires the applicable State foreclosure procedure.","Trigger, conditions, exceptions, and limits":"Judicial: earliest required court/judicial-body filing commencing the proceeding. Nonjudicial with recording/publication: earliest required recorded/published initiating document. Neither court filing nor recording/publication: earliest document setting/scheduling sale. A private borrower letter is not first solely because it later becomes an attachment. No actual State or document was classified.","Source pinpoint; status":"S007 comment 41(f)-1.i–iv; O/U."},"coordinator_verification_status":"scoped_record_reconciliation_selected_federal_text_versions_comments_all_currentness_application_parent_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"R008-P1-C062","original_visible_claim_id":"R008-P1-C062","all_original_cells_read":true,"researcher_record_unchanged":true,"area_numbers_preserved":[8],"explicit_source_numbers":[7],"source_ranges_expanded":[],"selected_source_presence_not_entire_claim_primary_validation":true,"all_primary_claim_accepted":false,"original_status_codes_conditions_exceptions_inference_and_gaps_preserved":true}},{"claim_id":"R008-P1-C063","area_numbers":[8],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R008-P1-C063","Area and precise claim":"A complete application before first notice/filing creates an additional restriction under (f)(2).","Trigger, conditions, exceptions, and limits":"Receipt during the preforeclosure review period or before first notice/filing prevents that initiating act until a listed release condition is met. Merely exceeding 120 days does not eliminate this additional restriction. The post-filing >37-day formulation must not be mechanically substituted for this clause.","Source pinpoint; status":"S006 § 41(f)(2); R/I."},"coordinator_verification_status":"scoped_record_reconciliation_selected_federal_text_versions_comments_all_currentness_application_parent_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"R008-P1-C063","original_visible_claim_id":"R008-P1-C063","all_original_cells_read":true,"researcher_record_unchanged":true,"area_numbers_preserved":[8],"explicit_source_numbers":[6],"source_ranges_expanded":[],"selected_source_presence_not_entire_claim_primary_validation":true,"all_primary_claim_accepted":false,"original_status_codes_conditions_exceptions_inference_and_gaps_preserved":true}},{"claim_id":"R008-P1-C064","area_numbers":[8],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R008-P1-C064","Area and precise claim":"The release conditions in (f)(2) and (g) are alternatives with distinct evidence predicates.","Trigger, conditions, exceptions, and limits":"First: a compliant no-available-option determination, plus appeal inapplicability, expired unused appeal opportunity, or denied appeal. Second: rejection of all offered options. Third: failure to perform an agreed option. One denial, one rejected offer, or a conclusory “review closed” label does not prove the applicable condition. Short-sale marketing/listing performance and approved-sale qualifications also matter.","Source pinpoint; status":"S006 §§ 41(f)(2)(i)–(iii), (g)(1)–(3); S007 comments 41(g)(3)-1–2; R/O/I."},"coordinator_verification_status":"scoped_record_reconciliation_selected_federal_text_versions_comments_all_currentness_application_parent_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"R008-P1-C064","original_visible_claim_id":"R008-P1-C064","all_original_cells_read":true,"researcher_record_unchanged":true,"area_numbers_preserved":[8],"explicit_source_numbers":[6,7],"source_ranges_expanded":[],"selected_source_presence_not_entire_claim_primary_validation":true,"all_primary_claim_accepted":false,"original_status_codes_conditions_exceptions_inference_and_gaps_preserved":true}},{"claim_id":"R008-P1-C065","area_numbers":[8],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R008-P1-C065","Area and precise claim":"After first notice/filing, a complete application received more than 37 days before sale restricts specified later acts.","Trigger, conditions, exceptions, and limits":"Until a C064 release condition is met, the servicer may not move for foreclosure judgment or order of sale, or conduct the sale. Receipt after first filing can therefore still matter; it does not undo the already-made first filing.","Source pinpoint; status":"S006 § 41(g); R/I."},"coordinator_verification_status":"scoped_record_reconciliation_selected_federal_text_versions_comments_all_currentness_application_parent_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"R008-P1-C065","original_visible_claim_id":"R008-P1-C065","all_original_cells_read":true,"researcher_record_unchanged":true,"area_numbers_preserved":[8],"explicit_source_numbers":[6],"source_ranges_expanded":[],"selected_source_presence_not_entire_claim_primary_validation":true,"all_primary_claim_accepted":false,"original_status_codes_conditions_exceptions_inference_and_gaps_preserved":true}},{"claim_id":"R008-P1-C066","area_numbers":[8],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R008-P1-C066","Area and precise claim":"The later-act restriction includes dispositive motions and requires action through counsel when necessary.","Trigger, conditions, exceptions, and limits":"Default, pleadings, and summary-judgment motions can qualify. For a previously pending motion, the interpretation requires reasonable steps to avoid a ruling/order during protected review; it does not promise the steps will succeed. The servicer must promptly instruct counsel and cannot avoid its duty because counsel failed to act. A sale can violate (g) even if someone else administers it.","Source pinpoint; status":"S007 comments 41(g)-1, -3, -5; S008 § 38(b)(3); O."},"coordinator_verification_status":"scoped_record_reconciliation_selected_federal_text_versions_comments_all_currentness_application_parent_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"R008-P1-C066","original_visible_claim_id":"R008-P1-C066","all_original_cells_read":true,"researcher_record_unchanged":true,"area_numbers_preserved":[8],"explicit_source_numbers":[7,8],"source_ranges_expanded":[],"selected_source_presence_not_entire_claim_primary_validation":true,"all_primary_claim_accepted":false,"original_status_codes_conditions_exceptions_inference_and_gaps_preserved":true}},{"claim_id":"R008-P1-C067","area_numbers":[8],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R008-P1-C067","Area and precise claim":"Section 41(g) does not stop every step in a foreclosure proceeding.","Trigger, conditions, exceptions, and limits":"Publication, arbitration, mediation and other steps may continue if they do not cause or directly result in a prohibited judgment/order/sale. The rule does not determine State answer/service deadlines, sale validity, court jurisdiction, redemption, standing, or an automatic injunction. Those are uninvestigated, independent questions.","Source pinpoint; status":"S007 comment 41(g)-2; S006 § 41(a), (g); O/I/U."},"coordinator_verification_status":"scoped_record_reconciliation_selected_federal_text_versions_comments_all_currentness_application_parent_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"R008-P1-C067","original_visible_claim_id":"R008-P1-C067","all_original_cells_read":true,"researcher_record_unchanged":true,"area_numbers_preserved":[8],"explicit_source_numbers":[6,7],"source_ranges_expanded":[],"selected_source_presence_not_entire_claim_primary_validation":true,"all_primary_claim_accepted":false,"original_status_codes_conditions_exceptions_inference_and_gaps_preserved":true}},{"claim_id":"R008-P1-C068","area_numbers":[8],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R008-P1-C068","Area and precise claim":"A post-filing application with 37 or fewer days remaining does not ordinarily receive the >37-day procedural protection merely because it was submitted.","Trigger, conditions, exceptions, and limits":"The specific transfer exception C076 must be checked, as must previously attached/facial protections. Section 38(b)(2)(v) separately requires policies implementing applicable owner/assignee evaluation requirements, including potentially late applications. No actual State or investor requirement is supplied here.","Source pinpoint; status":"S006 §§ 41(c)(1), (g), (k)(2)(ii)(B); S007 comment 41(g)-4 and 38(b)(2)(v)-1; R/O/U."},"coordinator_verification_status":"scoped_record_reconciliation_selected_federal_text_versions_comments_all_currentness_application_parent_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"R008-P1-C068","original_visible_claim_id":"R008-P1-C068","all_original_cells_read":true,"researcher_record_unchanged":true,"area_numbers_preserved":[8],"explicit_source_numbers":[6,7],"source_ranges_expanded":[],"selected_source_presence_not_entire_claim_primary_validation":true,"all_primary_claim_accepted":false,"original_status_codes_conditions_exceptions_inference_and_gaps_preserved":true}},{"claim_id":"R008-P1-C069","area_numbers":[8],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R008-P1-C069","Area and precise claim":"The duplicative-application exception is not a lifetime one-application rule.","Trigger, conditions, exceptions, and limits":"The same servicer must previously have fully complied for a complete application, and delinquency must have continued at all times since it was submitted. Cure followed by a new delinquency requires renewed applicable compliance. A discretionary incomplete review is not enough.","Source pinpoint; status":"S006 § 41(i), (c)(2)(ii); S007 comment 41(i)-1; R/O."},"coordinator_verification_status":"scoped_record_reconciliation_selected_federal_text_versions_comments_all_currentness_application_parent_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"R008-P1-C069","original_visible_claim_id":"R008-P1-C069","all_original_cells_read":true,"researcher_record_unchanged":true,"area_numbers_preserved":[8],"explicit_source_numbers":[6,7],"source_ranges_expanded":[],"selected_source_presence_not_entire_claim_primary_validation":true,"all_primary_claim_accepted":false,"original_status_codes_conditions_exceptions_inference_and_gaps_preserved":true}},{"claim_id":"R008-P1-C070","area_numbers":[8],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R008-P1-C070","Area and precise claim":"Changed facts and a different servicer require separate treatment.","Trigger, conditions, exceptions, and limits":"Changed financial circumstances alone do not expressly reset § 41(i)’s continuous-delinquency exception. Applicable investor requirements may nevertheless require reevaluation through § 38 policies. A transferee is a different servicer and cannot simply invoke the predecessor’s completed review as its own § 41(i) exception.","Source pinpoint; status":"S007 comments 38(b)(2)(v)-1, 41(i)-2; S008 § 38(b)(2)(v); O/I."},"coordinator_verification_status":"scoped_record_reconciliation_selected_federal_text_versions_comments_all_currentness_application_parent_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"R008-P1-C070","original_visible_claim_id":"R008-P1-C070","all_original_cells_read":true,"researcher_record_unchanged":true,"area_numbers_preserved":[8],"explicit_source_numbers":[7,8],"source_ranges_expanded":[],"selected_source_presence_not_entire_claim_primary_validation":true,"all_primary_claim_accepted":false,"original_status_codes_conditions_exceptions_inference_and_gaps_preserved":true}},{"claim_id":"R008-P1-C071","area_numbers":[8],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R008-P1-C071","Area and precise claim":"A qualifying small servicer retains important foreclosure restrictions.","Trigger, conditions, exceptions, and limits":"It remains subject to (f)(1). It also cannot make first notice/filing, move for judgment/order of sale, or sell while the borrower performs an agreed loss-mitigation option. It is otherwise exempt from the full § 41 procedures through § 30(b)(1); a complete application alone does not import all ordinary evaluation/appeal duties.","Source pinpoint; status":"S004 § 30(b)(1); S006 § 41(j); R."},"coordinator_verification_status":"scoped_record_reconciliation_selected_federal_text_versions_comments_all_currentness_application_parent_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"R008-P1-C071","original_visible_claim_id":"R008-P1-C071","all_original_cells_read":true,"researcher_record_unchanged":true,"area_numbers_preserved":[8],"explicit_source_numbers":[4,6],"source_ranges_expanded":[],"selected_source_presence_not_entire_claim_primary_validation":true,"all_primary_claim_accepted":false,"original_status_codes_conditions_exceptions_inference_and_gaps_preserved":true}},{"claim_id":"R008-P1-C072","area_numbers":[8],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R008-P1-C072","Area and precise claim":"Pending applications generally carry across a servicing transfer with their existing rights and clocks.","Trigger, conditions, exceptions, and limits":"Pending means subject to § 41 and not fully resolved; a fully denied application with expired appeal opportunity may not be pending. Except for (k)(2)–(4), use the predecessor’s receipt-based timeframes. Rights under (c)–(h) continue. If the predecessor was not subject to § 41 for the application, the interpretation supplies a transfer-date receipt rule for (b) and (c).","Source pinpoint; status":"S006 § 41(k)(1)(i); S007 comments 41(k)-1, 41(k)(1)(i)-1; R/O."},"coordinator_verification_status":"scoped_record_reconciliation_selected_federal_text_versions_comments_all_currentness_application_parent_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"R008-P1-C072","original_visible_claim_id":"R008-P1-C072","all_original_cells_read":true,"researcher_record_unchanged":true,"area_numbers_preserved":[8],"explicit_source_numbers":[6,7],"source_ranges_expanded":[],"selected_source_presence_not_entire_claim_primary_validation":true,"all_primary_claim_accepted":false,"original_status_codes_conditions_exceptions_inference_and_gaps_preserved":true}},{"claim_id":"R008-P1-C073","area_numbers":[8],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R008-P1-C073","Area and precise claim":"The application-transfer date and document receipt dates must be distinguished.","Trigger, conditions, exceptions, and limits":"For (k), transfer date is when the new servicer begins accepting payments as disclosed under § 33(b)(4)(iv); it is not necessarily the first-payment-due date or servicing-sale date. Documents received by the predecessor, including after transfer, must be transferred/obtained and can preserve their receipt date for (c)–(h). Already-provided notices need not be duplicated.","Source pinpoint; status":"S006 § 41(k)(1)(ii); S007 comments 41(k)(1)(i)-1–3, 41(k)(1)(ii)-1; S008 § 38(b)(4); R/O."},"coordinator_verification_status":"scoped_record_reconciliation_selected_federal_text_versions_comments_all_currentness_application_parent_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"R008-P1-C073","original_visible_claim_id":"R008-P1-C073","all_original_cells_read":true,"researcher_record_unchanged":true,"area_numbers_preserved":[8],"explicit_source_numbers":[6,7,8],"source_ranges_expanded":[],"selected_source_presence_not_entire_claim_primary_validation":true,"all_primary_claim_accepted":false,"original_status_codes_conditions_exceptions_inference_and_gaps_preserved":true}},{"claim_id":"R008-P1-C074","area_numbers":[8],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R008-P1-C074","Area and precise claim":"A transfer during an unexpired, unperformed acknowledgment period produces a ten-excluded-day acknowledgment clock.","Trigger, conditions, exceptions, and limits":"Both predicates matter: the original acknowledgment period has not expired at transfer, and the old servicer has not supplied the notice. The new servicer then provides it within 10 days excluding legal public holidays, Saturdays and Sundays, from transfer. This is not the clock for every transferred application.","Source pinpoint; status":"S006 § 41(k)(2)(i); R."},"coordinator_verification_status":"scoped_record_reconciliation_selected_federal_text_versions_comments_all_currentness_application_parent_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"R008-P1-C074","original_visible_claim_id":"R008-P1-C074","all_original_cells_read":true,"researcher_record_unchanged":true,"area_numbers_preserved":[8],"explicit_source_numbers":[6],"source_ranges_expanded":[],"selected_source_presence_not_entire_claim_primary_validation":true,"all_primary_claim_accepted":false,"original_status_codes_conditions_exceptions_inference_and_gaps_preserved":true}},{"claim_id":"R008-P1-C075","area_numbers":[8],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R008-P1-C075","Area and precise claim":"That particular transfer-acknowledgment branch protects the disclosed reasonable-date interval.","Trigger, conditions, exceptions, and limits":"The transferee cannot make first notice/filing until after the disclosed reasonable date, notwithstanding (f)(1). Completion on or before that date is treated as completion during the preforeclosure period for (f)(2). Existing protections, including a later applicable 120-day threshold, are not removed.","Source pinpoint; status":"S006 § 41(k)(2)(ii)(A); S007 comments 41(k)(2)(ii)-1–3; R/O."},"coordinator_verification_status":"scoped_record_reconciliation_selected_federal_text_versions_comments_all_currentness_application_parent_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"R008-P1-C075","original_visible_claim_id":"R008-P1-C075","all_original_cells_read":true,"researcher_record_unchanged":true,"area_numbers_preserved":[8],"explicit_source_numbers":[6,7],"source_ranges_expanded":[],"selected_source_presence_not_entire_claim_primary_validation":true,"all_primary_claim_accepted":false,"original_status_codes_conditions_exceptions_inference_and_gaps_preserved":true}},{"claim_id":"R008-P1-C076","area_numbers":[8],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R008-P1-C076","Area and precise claim":"The same transfer branch can override the ordinary >37-day gate for specified provisions.","Trigger, conditions, exceptions, and limits":"If completion reaches either servicer 37 or fewer days before sale but on or before the disclosed reasonable date, the transferee must comply with (c), (d), and (g). This provision does not itself give every such application a new appeal right or erase an already-existing right.","Source pinpoint; status":"S006 § 41(k)(2)(ii)(B); S007 comment 41(k)(2)(ii)-2; R/O."},"coordinator_verification_status":"scoped_record_reconciliation_selected_federal_text_versions_comments_all_currentness_application_parent_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"R008-P1-C076","original_visible_claim_id":"R008-P1-C076","all_original_cells_read":true,"researcher_record_unchanged":true,"area_numbers_preserved":[8],"explicit_source_numbers":[6,7],"source_ranges_expanded":[],"selected_source_presence_not_entire_claim_primary_validation":true,"all_primary_claim_accepted":false,"original_status_codes_conditions_exceptions_inference_and_gaps_preserved":true}},{"claim_id":"R008-P1-C077","area_numbers":[8],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R008-P1-C077","Area and precise claim":"A complete application pending at transfer has a specified new evaluation deadline.","Trigger, conditions, exceptions, and limits":"The transferee must comply with applicable (c)(1) and (c)(4) within 30 calendar days of transfer. That clock does not reset the application’s protective receipt date or authorize prohibited foreclosure acts.","Source pinpoint; status":"S006 § 41(k)(3), (k)(1); R/I."},"coordinator_verification_status":"scoped_record_reconciliation_selected_federal_text_versions_comments_all_currentness_application_parent_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"R008-P1-C077","original_visible_claim_id":"R008-P1-C077","all_original_cells_read":true,"researcher_record_unchanged":true,"area_numbers_preserved":[8],"explicit_source_numbers":[6],"source_ranges_expanded":[],"selected_source_presence_not_entire_claim_primary_validation":true,"all_primary_claim_accepted":false,"original_status_codes_conditions_exceptions_inference_and_gaps_preserved":true}},{"claim_id":"R008-P1-C078","area_numbers":[8],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R008-P1-C078","Area and precise claim":"Changes in completion criteria on transfer do not simply erase the old completion status.","Trigger, conditions, exceptions, and limits":"Complete under the old criteria but incomplete under the new criteria: preserve facial completeness from the original complete/facial date, request needed material, and apply the facial-completeness rules. Incomplete under old criteria but complete under new: treat as pending complete at transfer for the 30-day transfer clock; (c)–(h) use the predecessor’s receipt of the completing material, and the notice identifies that date.","Source pinpoint; status":"S007 comments 41(k)(1)(i)-2, 41(k)(3)-1–2; S006 § 41(c)(2)(iv); O/R."},"coordinator_verification_status":"scoped_record_reconciliation_selected_federal_text_versions_comments_all_currentness_application_parent_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"R008-P1-C078","original_visible_claim_id":"R008-P1-C078","all_original_cells_read":true,"researcher_record_unchanged":true,"area_numbers_preserved":[8],"explicit_source_numbers":[6,7],"source_ranges_expanded":[],"selected_source_presence_not_entire_claim_primary_validation":true,"all_primary_claim_accepted":false,"original_status_codes_conditions_exceptions_inference_and_gaps_preserved":true}},{"claim_id":"R008-P1-C079","area_numbers":[8],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R008-P1-C079","Area and precise claim":"A transferee able to decide a pending or timely post-transfer appeal has a later-of deadline.","Trigger, conditions, exceptions, and limits":"Determine the appeal and provide the (h)(4) notice within 30 days after transfer or 30 days after the borrower made the appeal, whichever is later. An appeal sent to the predecessor after transfer must be transferred/obtained under the applicable policies.","Source pinpoint; status":"S006 § 41(k)(4), (i); S007 comment 41(k)(4)-1; R/O."},"coordinator_verification_status":"scoped_record_reconciliation_selected_federal_text_versions_comments_all_currentness_application_parent_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"R008-P1-C079","original_visible_claim_id":"R008-P1-C079","all_original_cells_read":true,"researcher_record_unchanged":true,"area_numbers_preserved":[8],"explicit_source_numbers":[6,7],"source_ranges_expanded":[],"selected_source_presence_not_entire_claim_primary_validation":true,"all_primary_claim_accepted":false,"original_status_codes_conditions_exceptions_inference_and_gaps_preserved":true}},{"claim_id":"R008-P1-C080","area_numbers":[8],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R008-P1-C080","Area and precise claim":"A transferee unable to decide the appeal must treat it as a pending complete application.","Trigger, conditions, exceptions, and limits":"Evaluate all options available through the transferee. For (c) or (k)(3), completion is the first receipt of the appeal by either servicer. For (e)–(h), preserve the original facial/complete date with the predecessor. The interpretation identifies missing records or an unavailable predecessor program as possible reasons for inability, not automatic dismissal of the appeal.","Source pinpoint; status":"S006 § 41(k)(4)(ii); S007 comment 41(k)(4)-2; R/O."},"coordinator_verification_status":"scoped_record_reconciliation_selected_federal_text_versions_comments_all_currentness_application_parent_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"R008-P1-C080","original_visible_claim_id":"R008-P1-C080","all_original_cells_read":true,"researcher_record_unchanged":true,"area_numbers_preserved":[8],"explicit_source_numbers":[6,7],"source_ranges_expanded":[],"selected_source_presence_not_entire_claim_primary_validation":true,"all_primary_claim_accepted":false,"original_status_codes_conditions_exceptions_inference_and_gaps_preserved":true}},{"claim_id":"R008-P1-C081","area_numbers":[8],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R008-P1-C081","Area and precise claim":"Transfer preserves an unexpired offer-response period rather than creating an automatic new full period.","Trigger, conditions, exceptions, and limits":"The transferee must permit acceptance/rejection during the unexpired balance under (e) or (h). The appeal-transfer interpretation also preserves the ability to accept an outstanding predecessor option even where the transferee does not ordinarily offer it.","Source pinpoint; status":"S006 § 41(k)(5); S007 comment 41(k)(4)-2; R/O."},"coordinator_verification_status":"scoped_record_reconciliation_selected_federal_text_versions_comments_all_currentness_application_parent_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"R008-P1-C081","original_visible_claim_id":"R008-P1-C081","all_original_cells_read":true,"researcher_record_unchanged":true,"area_numbers_preserved":[8],"explicit_source_numbers":[6,7],"source_ranges_expanded":[],"selected_source_presence_not_entire_claim_primary_validation":true,"all_primary_claim_accepted":false,"original_status_codes_conditions_exceptions_inference_and_gaps_preserved":true}}],"sources":[{"source_id":"R008-P1-S001","urls":["https://uscode.house.gov/us/usc/119-121/t12/s2602/","https://uscode.house.gov/us/usc/119-121/t12/s2605/","https://www.govinfo.gov/link/uscode/12/2605","https://uscode.house.gov/us/usc/119-121/t12/s2602/?utm_source=chatgpt.com","https://uscode.house.gov/us/usc/119-121/t12/s2605/?utm_source=chatgpt.com","https://www.govinfo.gov/link/uscode/12/2605?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"R008-P1-S001","Issuer, title, jurisdiction":"U.S. House, Office of the Law Revision Counsel; 12 U.S.C. §§ 2602, 2605, RESPA; U.S. federal","Complete literal HTTPS URL(s)":"https://uscode.house.gov/us/usc/119-121/t12/s2602/ ; https://uscode.house.gov/us/usc/119-121/t12/s2605/ ; fallback representation: https://www.govinfo.gov/link/uscode/12/2605","Exact substantive read bounds; printed page / PDF index":"§ 2602(1), relevant source/editorial notes; § 2605(f), (i), (j)(3), (k)(1), relevant source notes. Transfer and other adjacent text appearing in returned windows was not used to rerun transfer-notice or error-resolution research. House: HTML. GovInfo fallback: selected § 2605(f), (i)–(k), printed pp. 1449–1450 / indices 2–3.","Version, effective predicate, actual check, and limits":"Fresh, 2026-10-27. House label: laws in effect through Pub. L. 119-121, October 9, 2026. The fallback PDF’s edition was not established and is not the currentness foundation. No complete session-law audit through October 27. \nuscode.house.gov\n+1"},"coordinator_verification_status":"source_record_reconciled_unreopened_body_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"source_id":"R008-P1-S001","original_literal_import_alias":null,"all_original_cells_read":true,"researcher_record_unchanged":true,"original_literal_URLs_UTM_aliases_preserved":true,"fresh_read_map_entries":[],"selected_body_checks":[],"original_failed_route":false,"status":"Recordreconciled;bodyunreopened_with_original_limits","all_current_primary_source_accepted":false,"same_regulatory_authority_mirrors_not_independent_corroboration":true,"original_failure_version_pixels_source_currentness_application_holds_retained":true}},{"source_id":"R008-P1-S002","urls":["https://uscode.house.gov/us/usc/119-121/t15/s1692c/","https://uscode.house.gov/us/usc/119-121/t15/s1692c/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"R008-P1-S002","Issuer, title, jurisdiction":"U.S. House OLRC; 15 U.S.C. § 1692c, FDCPA § 805; U.S. federal","Complete literal HTTPS URL(s)":"https://uscode.house.gov/us/usc/119-121/t15/s1692c/","Exact substantive read bounds; printed page / PDF index":"Necessary § 1692c(c) notification, receipt, and exceptions; surrounding section read. HTML; pages/index N/A.","Version, effective predicate, actual check, and limits":"Fresh, 2026-10-27. Same October 9, 2026 compilation predicate. 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No operative text read from this endpoint.","Version, effective predicate, actual check, and limits":"Failure, 2026-10-27. Recovered through S001’s version-specific House page. Failure is not evidence that no rule exists."},"coordinator_verification_status":"scoped_original_failed_route_unretried","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"source_id":"R008-P1-S021","original_literal_import_alias":null,"all_original_cells_read":true,"researcher_record_unchanged":true,"original_literal_URLs_UTM_aliases_preserved":true,"fresh_read_map_entries":[],"selected_body_checks":[],"original_failed_route":true,"status":"Originalfailedrouteunretried","all_current_primary_source_accepted":false,"same_regulatory_authority_mirrors_not_independent_corroboration":true,"original_failure_version_pixels_source_currentness_application_holds_retained":true}},{"source_id":"R008-P1-S022","urls":["https://www.consumerfinance.gov/rules-policy/withdrawn-guidance/"],"researcher_record":{"Source ID":"R008-P1-S022","Issuer, title, jurisdiction":"Attempted CFPB guidance-register path; U.S. federal","Complete literal HTTPS URL(s)":"https://www.consumerfinance.gov/rules-policy/withdrawn-guidance/","Exact substantive read bounds; printed page / PDF index":"Failed body retrieval. No register body read at this path.","Version, effective predicate, actual check, and limits":"Failure, 2026-10-27. Recovered through S020’s correct compliance/guidance path."},"coordinator_verification_status":"scoped_original_failed_route_unretried","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"source_id":"R008-P1-S022","original_literal_import_alias":null,"all_original_cells_read":true,"researcher_record_unchanged":true,"original_literal_URLs_UTM_aliases_preserved":true,"fresh_read_map_entries":[],"selected_body_checks":[],"original_failed_route":true,"status":"Originalfailedrouteunretried","all_current_primary_source_accepted":false,"same_regulatory_authority_mirrors_not_independent_corroboration":true,"original_failure_version_pixels_source_currentness_application_holds_retained":true}}],"coverage":[{"topic":"Q1: federally related mortgage loan and federal nexus","researcher_record":{"Assigned subquestion / major branch":"Q1: federally related mortgage loan and federal nexus","Coverage status":"Answered generically","Claim / source / example links":"C007–C008; S001/S003; E25","Exact missing authority or facts":"Actual collateral, funding and nexus facts excluded","Next bounded permissible investigation":"No factual application in this component"},"coordinator_acceptance":"scoped_coordinator_review_all_source_version_State_timeline_contract_application_parent_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"row_zero_based":0,"topic":"Q1: federally related mortgage loan and federal nexus","all_original_cells_read":true,"original_researcher_status":"Answered generically","researcher_record_unchanged":true,"exact_missing_authority_facts_next_action_unchanged":true,"accepted":false}},{"topic":"Q1: business, agricultural, rental-purpose exclusion","researcher_record":{"Assigned subquestion / major branch":"Q1: business, agricultural, rental-purpose exclusion","Coverage status":"Answered generically","Claim / source / example links":"C009; S003/S010","Exact missing authority or facts":"Actual primary purpose and classification excluded","Next bounded permissible investigation":"If separately scoped, published classification authority only"},"coordinator_acceptance":"scoped_coordinator_review_all_source_version_State_timeline_contract_application_parent_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"row_zero_based":1,"topic":"Q1: business, agricultural, rental-purpose exclusion","all_original_cells_read":true,"original_researcher_status":"Answered generically","researcher_record_unchanged":true,"exact_missing_authority_facts_next_action_unchanged":true,"accepted":false}},{"topic":"Q1: temporary construction and permanent-financing exceptions","researcher_record":{"Assigned subquestion / major branch":"Q1: temporary construction and permanent-financing exceptions","Coverage status":"Answered generically","Claim / source / example links":"C010; S003","Exact missing authority or facts":"Actual term, commitment, conversion and builder facts","Next bounded permissible investigation":"No loan determination"},"coordinator_acceptance":"scoped_coordinator_review_all_source_version_State_timeline_contract_application_parent_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"row_zero_based":2,"topic":"Q1: temporary construction and permanent-financing exceptions","all_original_cells_read":true,"original_researcher_status":"Answered generically","researcher_record_unchanged":true,"exact_missing_authority_facts_next_action_unchanged":true,"accepted":false}},{"topic":"Q1: vacant-land exception","researcher_record":{"Assigned subquestion / major branch":"Q1: vacant-land exception","Coverage status":"Answered generically","Claim / source / example links":"C011; S003","Exact missing authority or facts":"Actual proceeds/use/timing excluded","Next bounded permissible investigation":"No property investigation"},"coordinator_acceptance":"scoped_coordinator_review_all_source_version_State_timeline_contract_application_parent_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"row_zero_based":3,"topic":"Q1: vacant-land exception","all_original_cells_read":true,"original_researcher_status":"Answered generically","researcher_record_unchanged":true,"exact_missing_authority_facts_next_action_unchanged":true,"accepted":false}},{"topic":"Q1: assumptions, conversions, secondary-market and partial exemptions","researcher_record":{"Assigned subquestion / major branch":"Q1: assumptions, conversions, secondary-market and partial exemptions","Coverage status":"Answered generically","Claim / source / example links":"C012; S003","Exact missing authority or facts":"Actual transaction terms excluded","Next bounded permissible investigation":"Do not infer servicing exemption from a transfer label"},"coordinator_acceptance":"scoped_coordinator_review_all_source_version_State_timeline_contract_application_parent_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"row_zero_based":4,"topic":"Q1: assumptions, conversions, secondary-market and partial exemptions","all_original_cells_read":true,"original_researcher_status":"Answered generically","researcher_record_unchanged":true,"exact_missing_authority_facts_next_action_unchanged":true,"accepted":false}},{"topic":"Q1: principal residence and vacancy","researcher_record":{"Assigned subquestion / major branch":"Q1: principal residence and vacancy","Coverage status":"Answered rule; application unresolved","Claim / source / example links":"C013; S004/S007; E25","Exact missing authority or facts":"State law and residence facts absent","Next bounded permissible investigation":"Public State-law work only with separate authorization"},"coordinator_acceptance":"scoped_coordinator_review_all_source_version_State_timeline_contract_application_parent_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"row_zero_based":5,"topic":"Q1: principal residence and vacancy","all_original_cells_read":true,"original_researcher_status":"Answered rule; application unresolved","researcher_record_unchanged":true,"exact_missing_authority_facts_next_action_unchanged":true,"accepted":false}},{"topic":"Q1: reverse mortgages, HELOCs, qualified Farm Credit lender","researcher_record":{"Assigned subquestion / major branch":"Q1: reverse mortgages, HELOCs, qualified Farm Credit lender","Coverage status":"Answered generically","Claim / source / example links":"C013; S004/S010/S011; E25","Exact missing authority or facts":"Product and loan-specific qualification absent","Next bounded permissible investigation":"No provider or loan status query"},"coordinator_acceptance":"scoped_coordinator_review_all_source_version_State_timeline_contract_application_parent_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"row_zero_based":6,"topic":"Q1: reverse mortgages, HELOCs, qualified Farm Credit lender","all_original_cells_read":true,"original_researcher_status":"Answered generically","researcher_record_unchanged":true,"exact_missing_authority_facts_next_action_unchanged":true,"accepted":false}},{"topic":"Q1: servicer, master/subservicer, special agency exclusions","researcher_record":{"Assigned subquestion / major branch":"Q1: servicer, master/subservicer, special agency exclusions","Coverage status":"Answered generically","Claim / source / example links":"C014–C015; S001/S003/S009","Exact missing authority or facts":"Actual servicing role and exception nexus absent","Next bounded permissible investigation":"No entity/roster lookup"},"coordinator_acceptance":"scoped_coordinator_review_all_source_version_State_timeline_contract_application_parent_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"row_zero_based":7,"topic":"Q1: servicer, master/subservicer, special agency exclusions","all_original_cells_read":true,"original_researcher_status":"Answered generically","researcher_record_unchanged":true,"exact_missing_authority_facts_next_action_unchanged":true,"accepted":false}},{"topic":"Q1/Q5: small-servicer alternatives, count and transition","researcher_record":{"Assigned subquestion / major branch":"Q1/Q5: small-servicer alternatives, count and transition","Coverage status":"Answered generically","Claim / source / example links":"C015–C017/C071; S009–S012; E13","Exact missing authority or facts":"Count, affiliation, origination, HFA/nonprofit and transition facts absent","Next bounded permissible investigation":"No actual qualification decision"},"coordinator_acceptance":"scoped_coordinator_review_all_source_version_State_timeline_contract_application_parent_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"row_zero_based":8,"topic":"Q1/Q5: small-servicer alternatives, count and transition","all_original_cells_read":true,"original_researcher_status":"Answered generically","researcher_record_unchanged":true,"exact_missing_authority_facts_next_action_unchanged":true,"accepted":false}},{"topic":"Q1/Q5: successor categories and confirmation","researcher_record":{"Assigned subquestion / major branch":"Q1/Q5: successor categories and confirmation","Coverage status":"Answered generically","Claim / source / example links":"C018–C020; S004/S007/S008; E16–E17","Exact missing authority or facts":"State title/transfer and confirmation facts absent","Next bounded permissible investigation":"Public generic successor authority only if needed"},"coordinator_acceptance":"scoped_coordinator_review_all_source_version_State_timeline_contract_application_parent_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"row_zero_based":9,"topic":"Q1/Q5: successor categories and confirmation","all_original_cells_read":true,"original_researcher_status":"Answered generically","researcher_record_unchanged":true,"exact_missing_authority_facts_next_action_unchanged":true,"accepted":false}},{"topic":"Q1/Q2: successor acknowledgment and communications","researcher_record":{"Assigned subquestion / major branch":"Q1/Q2: successor acknowledgment and communications","Coverage status":"Answered generically","Claim / source / example links":"C021/C038; S004/S007; E16","Exact missing authority or facts":"Compliant optional notice and acknowledgment facts absent","Next bounded permissible investigation":"No form supplied or inspected"},"coordinator_acceptance":"scoped_coordinator_review_all_source_version_State_timeline_contract_application_parent_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"row_zero_based":10,"topic":"Q1/Q2: successor acknowledgment and communications","all_original_cells_read":true,"original_researcher_status":"Answered generically","researcher_record_unchanged":true,"exact_missing_authority_facts_next_action_unchanged":true,"accepted":false}},{"topic":"Q1: delinquency and day definitions","researcher_record":{"Assigned subquestion / major branch":"Q1: delinquency and day definitions","Coverage status":"Answered generically","Claim / source / example links":"C022–C023; S004/S007; E01–E02","Exact missing authority or facts":"Payment terms/application and actual calendar absent","Next bounded permissible investigation":"No individual calculation"},"coordinator_acceptance":"scoped_coordinator_review_all_source_version_State_timeline_contract_application_parent_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"row_zero_based":11,"topic":"Q1: delinquency and day definitions","all_original_cells_read":true,"original_researcher_status":"Answered generically","researcher_record_unchanged":true,"exact_missing_authority_facts_next_action_unchanged":true,"accepted":false}},{"topic":"Q1: relevant § 2605 authority and remedies boundary","researcher_record":{"Assigned subquestion / major branch":"Q1: relevant § 2605 authority and remedies boundary","Coverage status":"Answered narrowly","Claim / source / example links":"C026; S001/S006","Exact missing authority or facts":"Standing, causation, remedy and jurisdiction questions excluded","Next bounded permissible investigation":"Separate authorized remedies investigation only"},"coordinator_acceptance":"scoped_coordinator_review_all_source_version_State_timeline_contract_application_parent_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"row_zero_based":12,"topic":"Q1: relevant § 2605 authority and remedies boundary","all_original_cells_read":true,"original_researcher_status":"Answered narrowly","researcher_record_unchanged":true,"exact_missing_authority_facts_next_action_unchanged":true,"accepted":false}},{"topic":"Q2: live-contact trigger, meaning, repeat duty","researcher_record":{"Assigned subquestion / major branch":"Q2: live-contact trigger, meaning, repeat duty","Coverage status":"Answered","Claim / source / example links":"C027–C028/C031; S005/S007; E01","Exact missing authority or facts":"Actual contact/payment facts absent","Next bounded permissible investigation":"None needed for generic branch"},"coordinator_acceptance":"scoped_coordinator_review_all_source_version_State_timeline_contract_application_parent_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"row_zero_based":13,"topic":"Q2: live-contact trigger, meaning, repeat duty","all_original_cells_read":true,"original_researcher_status":"Answered","researcher_record_unchanged":true,"exact_missing_authority_facts_next_action_unchanged":true,"accepted":false}},{"topic":"Q2: written notice timing/content/frequency","researcher_record":{"Assigned subquestion / major branch":"Q2: written notice timing/content/frequency","Coverage status":"Answered","Claim / source / example links":"C029–C030; S005/S007/S008","Exact missing authority or facts":"Actual notice/provision facts absent","Next bounded permissible investigation":"None needed for generic branch"},"coordinator_acceptance":"scoped_coordinator_review_all_source_version_State_timeline_contract_application_parent_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"row_zero_based":14,"topic":"Q2: written notice timing/content/frequency","all_original_cells_read":true,"original_researcher_status":"Answered","researcher_record_unchanged":true,"exact_missing_authority_facts_next_action_unchanged":true,"accepted":false}},{"topic":"Q2: continuing delinquency, ongoing mitigation and narrow transfer effects","researcher_record":{"Assigned subquestion / major branch":"Q2: continuing delinquency, ongoing mitigation and narrow transfer effects","Coverage status":"Answered","Claim / source / example links":"C031–C032; S007","Exact missing authority or facts":"Actual agreement and transferred-payment facts absent","Next bounded permissible investigation":"No R006 notice rerun"},"coordinator_acceptance":"scoped_coordinator_review_all_source_version_State_timeline_contract_application_parent_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"row_zero_based":15,"topic":"Q2: continuing delinquency, ongoing mitigation and narrow transfer effects","all_original_cells_read":true,"original_researcher_status":"Answered","researcher_record_unchanged":true,"exact_missing_authority_facts_next_action_unchanged":true,"accepted":false}},{"topic":"Q2: bankruptcy exemption, modified notice, resumption","researcher_record":{"Assigned subquestion / major branch":"Q2: bankruptcy exemption, modified notice, resumption","Coverage status":"Answered generic branch","Claim / source / example links":"C033–C035; S005/S007; E14","Exact missing authority or facts":"Bankruptcy status/orders/discharge/payments excluded","Next bounded permissible investigation":"No bankruptcy case inquiry"},"coordinator_acceptance":"scoped_coordinator_review_all_source_version_State_timeline_contract_application_parent_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"row_zero_based":16,"topic":"Q2: bankruptcy exemption, modified notice, resumption","all_original_cells_read":true,"original_researcher_status":"Answered generic branch","researcher_record_unchanged":true,"exact_missing_authority_facts_next_action_unchanged":true,"accepted":false}},{"topic":"Q2: FDCPA notification and modified duties","researcher_record":{"Assigned subquestion / major branch":"Q2: FDCPA notification and modified duties","Coverage status":"Answered narrowly","Claim / source / example links":"C036–C038; S002/S005/S007/S015; E15","Exact missing authority or facts":"FDCPA coverage and notification facts absent; broader disputes held","Next bounded permissible investigation":"No debt-collector or borrower query"},"coordinator_acceptance":"scoped_coordinator_review_all_source_version_State_timeline_contract_application_parent_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"row_zero_based":17,"topic":"Q2: FDCPA notification and modified duties","all_original_cells_read":true,"original_researcher_status":"Answered narrowly","researcher_record_unchanged":true,"exact_missing_authority_facts_next_action_unchanged":true,"accepted":false}},{"topic":"Q2: official model clauses","researcher_record":{"Assigned subquestion / major branch":"Q2: official model clauses","Coverage status":"Excluded as unnecessary","Claim / source / example links":"C030; § 39(b)(3), (d)(3)(i)","Exact missing authority or facts":"No model form needed to state duties","Next bounded permissible investigation":"If needed later, retrieve exact official version and inspect relevant pixels"},"coordinator_acceptance":"scoped_coordinator_review_all_source_version_State_timeline_contract_application_parent_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"row_zero_based":18,"topic":"Q2: official model clauses","all_original_cells_read":true,"original_researcher_status":"Excluded as unnecessary","researcher_record_unchanged":true,"exact_missing_authority_facts_next_action_unchanged":true,"accepted":false}},{"topic":"Q3: oral application versus inquiry; actual receipt","researcher_record":{"Assigned subquestion / major branch":"Q3: oral application versus inquiry; actual receipt","Coverage status":"Answered","Claim / source / example links":"C024/C039; S004/S006/S007; E05","Exact missing authority or facts":"Actual communication and receipt absent","Next bounded permissible investigation":"No form or identifier entry"},"coordinator_acceptance":"scoped_coordinator_review_all_source_version_State_timeline_contract_application_parent_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"row_zero_based":19,"topic":"Q3: oral application versus inquiry; actual receipt","all_original_cells_read":true,"original_researcher_status":"Answered","researcher_record_unchanged":true,"exact_missing_authority_facts_next_action_unchanged":true,"accepted":false}},{"topic":"Q3: 45-day inclusive acknowledgment gate and five-day units","researcher_record":{"Assigned subquestion / major branch":"Q3: 45-day inclusive acknowledgment gate and five-day units","Coverage status":"Answered","Claim / source / example links":"C040; S006/S007; E05/E07","Exact missing authority or facts":"Actual sale/receipt/calendar absent","Next bounded permissible investigation":"No individual deadline"},"coordinator_acceptance":"scoped_coordinator_review_all_source_version_State_timeline_contract_application_parent_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"row_zero_based":20,"topic":"Q3: 45-day inclusive acknowledgment gate and five-day units","all_original_cells_read":true,"original_researcher_status":"Answered","researcher_record_unchanged":true,"exact_missing_authority_facts_next_action_unchanged":true,"accepted":false}},{"topic":"Q3: reasonable date and milestones","researcher_record":{"Assigned subquestion / major branch":"Q3: reasonable date and milestones","Coverage status":"Answered","Claim / source / example links":"C041; S007; E05/E19","Exact missing authority or facts":"Staleness/milestone chronology absent","Next bounded permissible investigation":"No invented 30-day entitlement"},"coordinator_acceptance":"scoped_coordinator_review_all_source_version_State_timeline_contract_application_parent_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"row_zero_based":21,"topic":"Q3: reasonable date and milestones","all_original_cells_read":true,"original_researcher_status":"Answered","researcher_record_unchanged":true,"exact_missing_authority_facts_next_action_unchanged":true,"accepted":false}},{"topic":"Q3/Q5: receipt-date snapshot, no scheduled sale, rescheduling","researcher_record":{"Assigned subquestion / major branch":"Q3/Q5: receipt-date snapshot, no scheduled sale, rescheduling","Coverage status":"Answered rule; retrospective late-application conclusion held","Claim / source / example links":"C042; S006/S007; E18","Exact missing authority or facts":"New receipt, original/later schedule, other law absent","Next bounded permissible investigation":"Read a strictly necessary additional published interpretation if a generic ambiguity is separately posed"},"coordinator_acceptance":"scoped_coordinator_review_all_source_version_State_timeline_contract_application_parent_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"row_zero_based":22,"topic":"Q3/Q5: receipt-date snapshot, no scheduled sale, rescheduling","all_original_cells_read":true,"original_researcher_status":"Answered rule; retrospective late-application conclusion held","researcher_record_unchanged":true,"exact_missing_authority_facts_next_action_unchanged":true,"accepted":false}},{"topic":"Q3: complete application, >37 gate, 30-day determination","researcher_record":{"Assigned subquestion / major branch":"Q3: complete application, >37 gate, 30-day determination","Coverage status":"Answered","Claim / source / example links":"C039/C043; S006/S007; E04/E07/E08","Exact missing authority or facts":"Completeness/options/receipt absent","Next bounded permissible investigation":"No eligibility analysis"},"coordinator_acceptance":"scoped_coordinator_review_all_source_version_State_timeline_contract_application_parent_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"row_zero_based":23,"topic":"Q3: complete application, >37 gate, 30-day determination","all_original_cells_read":true,"original_researcher_status":"Answered","researcher_record_unchanged":true,"exact_missing_authority_facts_next_action_unchanged":true,"accepted":false}},{"topic":"Q3: incomplete anti-evasion and stalled application","researcher_record":{"Assigned subquestion / major branch":"Q3: incomplete anti-evasion and stalled application","Coverage status":"Answered","Claim / source / example links":"C044–C045; S006/S007; E05","Exact missing authority or facts":"Diligence/progress/context absent","Next bounded permissible investigation":"No fixed “significant period” invented"},"coordinator_acceptance":"scoped_coordinator_review_all_source_version_State_timeline_contract_application_parent_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"row_zero_based":24,"topic":"Q3: incomplete anti-evasion and stalled application","all_original_cells_read":true,"original_researcher_status":"Answered","researcher_record_unchanged":true,"exact_missing_authority_facts_next_action_unchanged":true,"accepted":false}},{"topic":"Q3: short-term incomplete-application exception","researcher_record":{"Assigned subquestion / major branch":"Q3: short-term incomplete-application exception","Coverage status":"Answered","Claim / source / example links":"C046–C047; S006/S007; E24","Exact missing authority or facts":"Terms, performance and requests for further help absent","Next bounded permissible investigation":"No program application"},"coordinator_acceptance":"scoped_coordinator_review_all_source_version_State_timeline_contract_application_parent_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"row_zero_based":25,"topic":"Q3: short-term incomplete-application exception","all_original_cells_read":true,"original_researcher_status":"Answered","researcher_record_unchanged":true,"exact_missing_authority_facts_next_action_unchanged":true,"accepted":false}},{"topic":"Q3/currentness: retained COVID deferral","researcher_record":{"Assigned subquestion / major branch":"Q3/currentness: retained COVID deferral","Coverage status":"Text answered; interpretive definition gap preserved","Claim / source / example links":"C003/C048; S006/S016/S017; E24","Exact missing authority or facts":"Post-deletion definition issue; no hardship/program facts","Next bounded permissible investigation":"Bounded primary-authority clarification of retained terminology if needed"},"coordinator_acceptance":"scoped_coordinator_review_all_source_version_State_timeline_contract_application_parent_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"row_zero_based":26,"topic":"Q3/currentness: retained COVID deferral","all_original_cells_read":true,"original_researcher_status":"Text answered; interpretive definition gap preserved","researcher_record_unchanged":true,"exact_missing_authority_facts_next_action_unchanged":true,"accepted":false}},{"topic":"Q3: facial completeness, correction and relation-back","researcher_record":{"Assigned subquestion / major branch":"Q3: facial completeness, correction and relation-back","Coverage status":"Answered","Claim / source / example links":"C049; S006/S007; E06","Exact missing authority or facts":"Listed missing items, timing and reasonable opportunity absent","Next bounded permissible investigation":"Keep evaluation and protection dates separate"},"coordinator_acceptance":"scoped_coordinator_review_all_source_version_State_timeline_contract_application_parent_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"row_zero_based":27,"topic":"Q3: facial completeness, correction and relation-back","all_original_cells_read":true,"original_researcher_status":"Answered","researcher_record_unchanged":true,"exact_missing_authority_facts_next_action_unchanged":true,"accepted":false}},{"topic":"Q3: complete-application notice and exceptions","researcher_record":{"Assigned subquestion / major branch":"Q3: complete-application notice and exceptions","Coverage status":"Answered","Claim / source / example links":"C050; S006/S007; E06/E07","Exact missing authority or facts":"Prior notice and actual completion history absent","Next bounded permissible investigation":"No actual notice audit"},"coordinator_acceptance":"scoped_coordinator_review_all_source_version_State_timeline_contract_application_parent_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"row_zero_based":28,"topic":"Q3: complete-application notice and exceptions","all_original_cells_read":true,"original_researcher_status":"Answered","researcher_record_unchanged":true,"exact_missing_authority_facts_next_action_unchanged":true,"accepted":false}},{"topic":"Q3: borrower-control versus internal versus third-party information","researcher_record":{"Assigned subquestion / major branch":"Q3: borrower-control versus internal versus third-party information","Coverage status":"Answered","Claim / source / example links":"C051–C053; S006/S007; E23","Exact missing authority or facts":"Control, diligence, necessity and elapsed period absent","Next bounded permissible investigation":"No records request"},"coordinator_acceptance":"scoped_coordinator_review_all_source_version_State_timeline_contract_application_parent_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"row_zero_based":29,"topic":"Q3: borrower-control versus internal versus third-party information","all_original_cells_read":true,"original_researcher_status":"Answered","researcher_record_unchanged":true,"exact_missing_authority_facts_next_action_unchanged":true,"accepted":false}},{"topic":"Q4: >120 threshold and due-on-sale/joining exceptions","researcher_record":{"Assigned subquestion / major branch":"Q4: >120 threshold and due-on-sale/joining exceptions","Coverage status":"Answered","Claim / source / example links":"C061; S006; E02–E03","Exact missing authority or facts":"Delinquency and exception facts; other law absent","Next bounded permissible investigation":"No actual first-filing permission"},"coordinator_acceptance":"scoped_coordinator_review_all_source_version_State_timeline_contract_application_parent_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"row_zero_based":30,"topic":"Q4: >120 threshold and due-on-sale/joining exceptions","all_original_cells_read":true,"original_researcher_status":"Answered","researcher_record_unchanged":true,"exact_missing_authority_facts_next_action_unchanged":true,"accepted":false}},{"topic":"Q4: judicial/nonjudicial first act","researcher_record":{"Assigned subquestion / major branch":"Q4: judicial/nonjudicial first act","Coverage status":"Answered federal definition; State identification unresolved","Claim / source / example links":"C062; S007 comment 41(f)-1.i–iv; E02/E09","Exact missing authority or facts":"State procedure and actual act/date absent","Next bounded permissible investigation":"Separate authorized public State-procedure research"},"coordinator_acceptance":"scoped_coordinator_review_all_source_version_State_timeline_contract_application_parent_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"row_zero_based":31,"topic":"Q4: judicial/nonjudicial first act","all_original_cells_read":true,"original_researcher_status":"Answered federal definition; State identification unresolved","researcher_record_unchanged":true,"exact_missing_authority_facts_next_action_unchanged":true,"accepted":false}},{"topic":"Q4: complete application before first filing","researcher_record":{"Assigned subquestion / major branch":"Q4: complete application before first filing","Coverage status":"Answered","Claim / source / example links":"C063–C064; S006; E03","Exact missing authority or facts":"Completion, first act, release conditions absent","Next bounded permissible investigation":"No operational authorization"},"coordinator_acceptance":"scoped_coordinator_review_all_source_version_State_timeline_contract_application_parent_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"row_zero_based":32,"topic":"Q4: complete application before first filing","all_original_cells_read":true,"original_researcher_status":"Answered","researcher_record_unchanged":true,"exact_missing_authority_facts_next_action_unchanged":true,"accepted":false}},{"topic":"Q4: application after first filing","researcher_record":{"Assigned subquestion / major branch":"Q4: application after first filing","Coverage status":"Answered","Claim / source / example links":"C065–C068; S006/S007; E07–E09","Exact missing authority or facts":"Receipt, schedule, motion and counsel facts absent","Next bounded permissible investigation":"No docket or court-status query"},"coordinator_acceptance":"scoped_coordinator_review_all_source_version_State_timeline_contract_application_parent_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"row_zero_based":33,"topic":"Q4: application after first filing","all_original_cells_read":true,"original_researcher_status":"Answered","researcher_record_unchanged":true,"exact_missing_authority_facts_next_action_unchanged":true,"accepted":false}},{"topic":"Q4: appeal closure/rejection/nonperformance release","researcher_record":{"Assigned subquestion / major branch":"Q4: appeal closure/rejection/nonperformance release","Coverage status":"Answered","Claim / source / example links":"C064; S006/S007; E04/E10/E24","Exact missing authority or facts":"Notices, appeal, all offers, performance absent","Next bounded permissible investigation":"No actual release determination"},"coordinator_acceptance":"scoped_coordinator_review_all_source_version_State_timeline_contract_application_parent_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"row_zero_based":34,"topic":"Q4: appeal closure/rejection/nonperformance release","all_original_cells_read":true,"original_researcher_status":"Answered","researcher_record_unchanged":true,"exact_missing_authority_facts_next_action_unchanged":true,"accepted":false}},{"topic":"Q4: State court response, sale validity, injunction, remedy","researcher_record":{"Assigned subquestion / major branch":"Q4: State court response, sale validity, injunction, remedy","Coverage status":"Excluded/held","Claim / source / example links":"C026/C067; S001/S006/S007","Exact missing authority or facts":"Jurisdiction, procedure, facts, remedy authority not investigated","Next bounded permissible investigation":"Requires separate authorized component"},"coordinator_acceptance":"scoped_coordinator_review_all_source_version_State_timeline_contract_application_parent_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"row_zero_based":35,"topic":"Q4: State court response, sale validity, injunction, remedy","all_original_cells_read":true,"original_researcher_status":"Excluded/held","researcher_record_unchanged":true,"exact_missing_authority_facts_next_action_unchanged":true,"accepted":false}},{"topic":"Q5: denial reasons","researcher_record":{"Assigned subquestion / major branch":"Q5: denial reasons","Coverage status":"Answered","Claim / source / example links":"C054; S006/S007","Exact missing authority or facts":"Actual notice, investor rules and calculation inputs absent","Next bounded permissible investigation":"No individualized merits decision"},"coordinator_acceptance":"scoped_coordinator_review_all_source_version_State_timeline_contract_application_parent_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"row_zero_based":36,"topic":"Q5: denial reasons","all_original_cells_read":true,"original_researcher_status":"Answered","researcher_record_unchanged":true,"exact_missing_authority_facts_next_action_unchanged":true,"accepted":false}},{"topic":"Q5: offer minimums, trial-plan acceptance and appeal extension","researcher_record":{"Assigned subquestion / major branch":"Q5: offer minimums, trial-plan acceptance and appeal extension","Coverage status":"Answered","Claim / source / example links":"C055–C056/C060; S006; E04/E10/E22","Exact missing authority or facts":"Actual provision/offer terms/payments absent","Next bounded permissible investigation":"Preserve actual offer expiry as unknown"},"coordinator_acceptance":"scoped_coordinator_review_all_source_version_State_timeline_contract_application_parent_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"row_zero_based":37,"topic":"Q5: offer minimums, trial-plan acceptance and appeal extension","all_original_cells_read":true,"original_researcher_status":"Answered","researcher_record_unchanged":true,"exact_missing_authority_facts_next_action_unchanged":true,"accepted":false}},{"topic":"Q5: appeal eligibility, method, 14/30/14 periods","researcher_record":{"Assigned subquestion / major branch":"Q5: appeal eligibility, method, 14/30/14 periods","Coverage status":"Answered","Claim / source / example links":"C057–C059; S004/S006/S007; E10/E21","Exact missing authority or facts":"Notice-specific method and making/receipt facts absent","Next bounded permissible investigation":"No universal written-appeal requirement invented"},"coordinator_acceptance":"scoped_coordinator_review_all_source_version_State_timeline_contract_application_parent_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"row_zero_based":38,"topic":"Q5: appeal eligibility, method, 14/30/14 periods","all_original_cells_read":true,"original_researcher_status":"Answered","researcher_record_unchanged":true,"exact_missing_authority_facts_next_action_unchanged":true,"accepted":false}},{"topic":"Q5: repeat applications, cure and changed facts","researcher_record":{"Assigned subquestion / major branch":"Q5: repeat applications, cure and changed facts","Coverage status":"Answered","Claim / source / example links":"C069–C070; S006/S007/S008; E11–E12","Exact missing authority or facts":"Prior compliance/continuity/investor requirements absent","Next bounded permissible investigation":"No lifetime one-review assumption"},"coordinator_acceptance":"scoped_coordinator_review_all_source_version_State_timeline_contract_application_parent_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"row_zero_based":39,"topic":"Q5: repeat applications, cure and changed facts","all_original_cells_read":true,"original_researcher_status":"Answered","researcher_record_unchanged":true,"exact_missing_authority_facts_next_action_unchanged":true,"accepted":false}},{"topic":"Q5: transfer general pending status and dates","researcher_record":{"Assigned subquestion / major branch":"Q5: transfer general pending status and dates","Coverage status":"Answered independently","Claim / source / example links":"C072–C073; S006–S008; E20–E22","Exact missing authority or facts":"Pending status and actual dates absent","Next bounded permissible investigation":"No R006 foundation or broad notice rerun"},"coordinator_acceptance":"scoped_coordinator_review_all_source_version_State_timeline_contract_application_parent_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"row_zero_based":40,"topic":"Q5: transfer general pending status and dates","all_original_cells_read":true,"original_researcher_status":"Answered independently","researcher_record_unchanged":true,"exact_missing_authority_facts_next_action_unchanged":true,"accepted":false}},{"topic":"Q5: transfer acknowledgment and reasonable-date extension","researcher_record":{"Assigned subquestion / major branch":"Q5: transfer acknowledgment and reasonable-date extension","Coverage status":"Answered","Claim / source / example links":"C074–C076; S006/S007; E19","Exact missing authority or facts":"Unexpired period, notice status and dates absent","Next bounded permissible investigation":"No blanket >37 cutoff"},"coordinator_acceptance":"scoped_coordinator_review_all_source_version_State_timeline_contract_application_parent_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"row_zero_based":41,"topic":"Q5: transfer acknowledgment and reasonable-date extension","all_original_cells_read":true,"original_researcher_status":"Answered","researcher_record_unchanged":true,"exact_missing_authority_facts_next_action_unchanged":true,"accepted":false}},{"topic":"Q5: transfer evaluation and changed completion criteria","researcher_record":{"Assigned subquestion / major branch":"Q5: transfer evaluation and changed completion criteria","Coverage status":"Answered","Claim / source / example links":"C077–C078; S006/S007; E20","Exact missing authority or facts":"Criteria and receipt history absent","Next bounded permissible investigation":"No loss of facial status assumed"},"coordinator_acceptance":"scoped_coordinator_review_all_source_version_State_timeline_contract_application_parent_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"row_zero_based":42,"topic":"Q5: transfer evaluation and changed completion criteria","all_original_cells_read":true,"original_researcher_status":"Answered","researcher_record_unchanged":true,"exact_missing_authority_facts_next_action_unchanged":true,"accepted":false}},{"topic":"Q5: transfer appeal able/unable branches and pending offer","researcher_record":{"Assigned subquestion / major branch":"Q5: transfer appeal able/unable branches and pending offer","Coverage status":"Answered","Claim / source / example links":"C079–C081; S006/S007; E21–E22","Exact missing authority or facts":"Ability to decide, appeal dates, remaining offer period absent","Next bounded permissible investigation":"No automatic offer-period restart"},"coordinator_acceptance":"scoped_coordinator_review_all_source_version_State_timeline_contract_application_parent_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"row_zero_based":43,"topic":"Q5: transfer appeal able/unable branches and pending offer","all_original_cells_read":true,"original_researcher_status":"Answered","researcher_record_unchanged":true,"exact_missing_authority_facts_next_action_unchanged":true,"accepted":false}},{"topic":"Q6: urgency matrix and hypothetical failure paths","researcher_record":{"Assigned subquestion / major branch":"Q6: urgency matrix and hypothetical failure paths","Coverage status":"Answered qualitatively","Claim / source / example links":"Matrix; E01–E25; cited claims","Exact missing authority or facts":"Actual dates/identifiers deliberately absent","Next bounded permissible investigation":"No worked calendar needed"},"coordinator_acceptance":"scoped_coordinator_review_all_source_version_State_timeline_contract_application_parent_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"row_zero_based":44,"topic":"Q6: urgency matrix and hypothetical failure paths","all_original_cells_read":true,"original_researcher_status":"Answered qualitatively","researcher_record_unchanged":true,"exact_missing_authority_facts_next_action_unchanged":true,"accepted":false}},{"topic":"Currentness: operative versus proposed/deleted material","researcher_record":{"Assigned subquestion / major branch":"Currentness: operative versus proposed/deleted material","Coverage status":"Answered within stated read bounds","Claim / source / example links":"C001–C006; S013–S020","Exact missing authority or facts":"Full post-currency and historical reconciliation remains unclosed","Next bounded permissible investigation":"Public primary Federal Register/US Code update audit only"},"coordinator_acceptance":"scoped_coordinator_review_all_source_version_State_timeline_contract_application_parent_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"row_zero_based":45,"topic":"Currentness: operative versus proposed/deleted material","all_original_cells_read":true,"original_researcher_status":"Answered within stated read bounds","researcher_record_unchanged":true,"exact_missing_authority_facts_next_action_unchanged":true,"accepted":false}},{"topic":"Court decisions and later history","researcher_record":{"Assigned subquestion / major branch":"Court decisions and later history","Coverage status":"Not necessary; not used","Claim / source / example links":"C026/C067 and currentness limits","Exact missing authority or facts":"No majority opinion, posture or later-history proposition relied upon","Next bounded permissible investigation":"Read actual published majority only if a later bounded legal question makes it necessary"},"coordinator_acceptance":"scoped_coordinator_review_all_source_version_State_timeline_contract_application_parent_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"row_zero_based":46,"topic":"Court decisions and later history","all_original_cells_read":true,"original_researcher_status":"Not necessary; not used","researcher_record_unchanged":true,"exact_missing_authority_facts_next_action_unchanged":true,"accepted":false}},{"topic":"Parent/component/operational/publication acceptance","researcher_record":{"Assigned subquestion / major branch":"Parent/component/operational/publication acceptance","Coverage status":"Expressly not granted","Claim / source / example links":"Section 8 below","Exact missing authority or facts":"Entire remaining parent scope and permissions held","Next bounded permissible investigation":"No implied next action"},"coordinator_acceptance":"scoped_coordinator_review_all_source_version_State_timeline_contract_application_parent_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"row_zero_based":47,"topic":"Parent/component/operational/publication acceptance","all_original_cells_read":true,"original_researcher_status":"Expressly not granted","researcher_record_unchanged":true,"exact_missing_authority_facts_next_action_unchanged":true,"accepted":false}}],"annotations":{},"corrections":[],"resolved_corrections":[],"review_history":[{"id":"R008-P1-REVIEW-SCOPE","status":"scoped_coordinator_review_complete_all_source_State_calendar_application_parent_holds","at":null},{"id":"R008-P1-PUBLICATION-VERSION-HOLD","status":"selected_current_codified_and_amendment_bodies_confirm_existing_report_boundary","at":null}]}