{"meta":{"key":"r009--pass-01","task":"R009","title":"Federal credit-card payment crediting, excess-payment allocation, and credit-balance refunds","parent_title":"Credit cards and charge accounts","edition":"pass-01","path":"/research/r009--pass-01/","kind":"split_pass","category":"subject","role":"primary_area","area_numbers":[9],"groups":["debt-types"],"date":"2026-10-27","tables":15,"claims":61,"sources":17,"review_status":"accepted_with_limits","review_complete":true,"sha256":"802f9b0b43a7090b38daf2b9fa29ba26953bb90ca122d94021c2622c924a6ef5","headings":["Federal credit-card payment crediting, excess-payment allocation, and credit-balance refunds","Material source-status qualification","1. Principal findings and scope","2. Source register","A. Substantive sources and version metadata","B. Failed and limited-use source routes","3. Atomic claim register","A. Coverage and actors","B. Receipt and payment crediting","C. Excess-payment allocation","D. Credit balances and refunds","E. Generic forms, proof, and version limits","4. Clock and proof comparison","5. Necessary generic model material","6. Clearly hypothetical qualitative failure branches","7. Blank generic document-audit worksheet","8. Granular coverage register","9. Question → claim/source crosswalk","10. Read and failure log","11. Researcher self-check — not independent review","12. Specific parent holds and remaining limits"],"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":"R009/pass-01","facets":{"geography":["us","us-federal"],"debt_type":["credit_cards"],"stage":["current"],"subject":[]},"scope":"SettleADebt R009 PASS-01 — FIRST FOCUSED A009 COMPONENT: US FEDERAL OPEN-END CREDIT-CARD PAYMENT CREDITING, EXCESS-PAYMENT ALLOCATION AND CREDIT-BALANCE REFUNDS. Independently investigate these operational payment rules and their exact limits; no actual account, creditor contract or identifier query. A005 change-in-terms report and all other unreviewed reports are NOT foundations. Parent A009 includes general/store/secured/charge/business/cash-advance/transfer/promotional/joint/closed-with-balance products; preserve all unaddressed dimensions.","pending_corrections":0},"markdown":"# SettleADebt R009 PASS-01\n\n## Federal credit-card payment crediting, excess-payment allocation, and credit-balance refunds\n\n**The central finding is that these rules govern three different things:** receipt of a payment controls its effective crediting date; the amount above the required minimum payment controls the allocation rule; and an actual credit balance exceeding $1 triggers the credit-balance provisions. Paying more than the minimum does not, by itself, create money refundable to the consumer. Nor does timely crediting establish that the full amount needed to avoid interest was paid. [Consumer Financial Protection Bureau+2](https://www.consumerfinance.gov/rules-policy/regulations/1026/10/?utm_source=chatgpt.com)\n\n**Actual source-access date:** October 27, 2026, America/Los_Angeles.\n**Research basis:** Fresh public primary-source reading for this assignment. No A005/R005 report or other research report was used as a foundation.\n**Review status:** Researcher self-check only; **not independent review, component acceptance, or parent acceptance**.\n**Provenance limitation:** I cannot independently verify the chat interface’s selected model or tier and make no claim that its selector showed GPT-6 Pro.\n\n### Material source-status qualification\n\nThe substantive payment rules and associated official interpretations were recovered from CFPB regulation pages, with the operative regulations also checked against retrieved eCFR bodies. The CFPB version index identified **April 8, 2026** as its current Part 1026 version. Retrieved eCFR packets identified Title 12 as updated through **October 22, 2026** for §§ 1026.10 and .53, and **October 23, 2026** in the later § 1026.11 packet. Those are publisher/version observations, not findings that these particular sections were amended on those dates. eCFR itself distinguishes its continuously updated text from an official legal edition of the CFR. [Consumer Financial Protection Bureau+3](https://www.consumerfinance.gov/rules-policy/regulations/1026/versions/10/?utm_source=chatgpt.com)\n\nCurrent House Code body requests failed through the routes recorded below. I therefore read the necessary statutory bodies in the **official 2024 U.S. Code edition on GovInfo**. Search-index descriptions of newer House compilations were **not substituted for body reading**. Accordingly, the findings below are substantively developed, but **verification against a successfully retrieved current House statutory body and a complete subsequent session-law/CFR amendment audit remains partial**. This limitation attaches to every statutory-currentness assertion.\n\n## 1. Principal findings and scope\n\nThe general open-end crediting and credit-balance provisions have broader coverage than § 1026.53’s allocation rule. The latter applies to a **credit card account under an open-end, not home-secured, consumer credit plan**, subject to the governing definitions and exemptions. A home-equity plan accessed by a card and specified overdraft arrangements are excluded from that defined category. Charge cards, however, are generally included in references to credit cards and covered credit-card accounts; their absence of a periodic interest rate is not a blanket exclusion. [Consumer Financial Protection Bureau+2](https://www.consumerfinance.gov/rules-policy/regulations/1026/2/?utm_source=chatgpt.com)\n\nThe principal operational distinctions are:\n\n| Subject | Supported finding | Boundary that must remain visible |\n| --- | --- | --- |\n| Crediting | Generally credit a payment **as of receipt**, with the exceptions in § 1026.10. | Posting, receipt, collection of a check, available credit, and debt forgiveness are different questions. |\n| Conforming payment | Reasonable requirements and method-specific cutoffs matter. A creditor-promoted method generally produces conforming payments when the applicable conditions are met. | The creditor cannot automatically invoke the nonconforming-payment delay for a method it promotes. |\n| Nonconforming payment | When qualifying requirements were specified on or with the statement and a nonconforming payment is accepted, crediting is generally required within **five days of receipt**. | The provision says “days,” not “business days”; it is not a universal five-day processing allowance. |\n| Excess allocation | Ordinarily allocate the amount above the required minimum to balances in descending APR order. | Minimum-payment allocation is not prescribed by this general excess-only rule. |\n| Deferred interest | Special treatment applies during the promotion, including priority near expiration. | A true zero-rate promotion and a recurring grace period are not automatically deferred-interest programs. |\n| Consumer allocation requests | Specified deferred-interest and secured-balance exceptions permit issuer acceptance of consumer instructions. | The issuer generally may decline a request and follow the applicable default rule. |\n| Credit balance | A qualifying credit balance **exceeding $1** must be credited, with request-based and aged-balance refund duties. | An excess payment above the minimum, a zero balance, or a disputed merchant charge is not necessarily a refundable credit balance. |\n| Refund clocks | Written-request receipt starts the seven-business-day rule; more than six months of remaining credit balance triggers a good-faith effort. | These are different triggers. Neither supplies a universal immediate cash-refund rule on closure. |\n\nAuthorities and exact predicates for these findings appear in the claim register below. [Consumer Financial Protection Bureau+4](https://www.consumerfinance.gov/rules-policy/regulations/1026/10/?utm_source=chatgpt.com)\n\n## 2. Source register\n\n**Register conventions.** All sources were accessed on **October 27, 2026, America/Los_Angeles**, and concern U.S. federal law unless a row says otherwise. “Fresh” means read for this assignment, not imported from another report. HTML sources have no printed page or PDF index. A PDF index is zero-based.\n\nS001–S004 are portions of the same official Code edition. S005–S010 are navigation groups within Regulation Z and its official interpretations/model materials. Multiple publisher presentations of the same provision are **not independent corroboration**.\n\n### A. Substantive sources and version metadata\n\n| Source ID | Issuer/title and complete literal HTTPS URLs | Exact clauses and actual read bounds | Page / PDF index / image extent | Version, effective predicate, and currentness limit |\n| --- | --- | --- | --- | --- |\n| **R009-P1-S001** | GPO, **15 U.S.C. § 1666c, Prompt and fair crediting of payments**. [https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap41-subchapI-partD-sec1666c.htm](https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap41-subchapI-partD-sec1666c.htm?utm_source=chatgpt.com) | Fresh; complete operative subsections (a), (b)(1)–(2), and (c), plus displayed amendment/effective-date notes; HTML lines 9–44. | HTML; page/index N/A. | Official **2024 edition**. The 2009-amendment note states nine months after May 22, 2009, except as otherwise specified. S011 independently establishes the relevant 2010 regulatory compliance date. Current House-body gap remains. |\n| **R009-P1-S002** | GPO, **15 U.S.C. § 1666d, Treatment of credit balances**. [https://www.govinfo.gov/content/pkg/USCODE-2024-title15/pdf/USCODE-2024-title15-chap41-subchapI-partD-sec1666d.pdf](https://www.govinfo.gov/content/pkg/USCODE-2024-title15/pdf/USCODE-2024-title15-chap41-subchapI-partD-sec1666d.pdf?utm_source=chatgpt.com). Same text also recovered through [https://www.govinfo.gov/link/uscode/15/1666d](https://www.govinfo.gov/link/uscode/15/1666d?utm_source=chatgpt.com). | Fresh; complete § 1666d, including its three credit-creation categories, duties (A)–(C), and displayed 1980 amendment/transition notes; PDF text lines 26–63. Adjacent §§ 1666e–f were not adopted as additional research conclusions. | Printed **1542**, PDF **0**. Page image retrieved; the § 1666d block was inspected. No broader Code-volume image review. | Official 2024 edition established by the edition-specific URL; the generic link is duplicate access, not a second authority. Historical amendment note is not an account-specific effective-date calculation. |\n| **R009-P1-S003** | GPO, **15 U.S.C. §§ 1602 and 1603**. [https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap41-subchapI-partA-sec1602.htm](https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap41-subchapI-partA-sec1602.htm?utm_source=chatgpt.com); [https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap41-subchapI-partA-sec1603.htm](https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap41-subchapI-partA-sec1603.htm?utm_source=chatgpt.com) | Fresh selected bodies: § 1602(d)–(g), (i)–(j), (l), (n)–(o), and (s); § 1603(1) and (3), with surrounding exemption text read for context. No complete TILA-definition survey claimed. | HTML; N/A. | Official 2024 edition. The annually adjusted regulatory threshold is established separately by S005/S012; the statutory base amount is not presented as the 2026 threshold. |\n| **R009-P1-S004** | GPO, **15 U.S.C. § 1637, Open end consumer credit plans**. [https://www.govinfo.gov/content/pkg/USCODE-2024-title15/pdf/USCODE-2024-title15-chap41-subchapI-partB-sec1637.pdf](https://www.govinfo.gov/content/pkg/USCODE-2024-title15/pdf/USCODE-2024-title15-chap41-subchapI-partB-sec1637.pdf?utm_source=chatgpt.com) | Fresh selected bodies: complete **(l)**, payment-method fees, and **(o)(1)–(2)**, due dates and mail nonreceipt days; text lines 907–915 and 942–951. Other § 1637 subjects are not findings of this pass. | Printed **1488**, PDF **8**; selected parsed text read, **not page pixels**. | Official 2024 edition; current statutory-body limitation applies. |\n| **R009-P1-S005** | CFPB, **Regulation Z scope, definitions, exemptions**. [https://www.consumerfinance.gov/rules-policy/regulations/1026/1/](https://www.consumerfinance.gov/rules-policy/regulations/1026/1/?utm_source=chatgpt.com); [https://www.consumerfinance.gov/rules-policy/regulations/1026/2/](https://www.consumerfinance.gov/rules-policy/regulations/1026/2/?utm_source=chatgpt.com); [https://www.consumerfinance.gov/rules-policy/regulations/1026/3/](https://www.consumerfinance.gov/rules-policy/regulations/1026/3/?utm_source=chatgpt.com) | Fresh selected operative bodies and relevant inline interpretations: § 1(c); § 2(a)(4), (6)–(8), (10)–(12), (14)–(15), relevant (17), and (20); § 3(a), (b), especially comments 3(a)-1–3, -7, -9 and 3(b)-3–4. Remaining threshold commentary material recovered in S012. | HTML; N/A. | Publisher-marked current regulation; Part-version metadata in S013. This is a necessary coverage study, not every exemption or every hybrid-prepaid feature. |\n| **R009-P1-S006** | CFPB/OFR, **12 C.F.R. § 1026.10, Payments**, with Supplement I. [https://www.consumerfinance.gov/rules-policy/regulations/1026/10/](https://www.consumerfinance.gov/rules-policy/regulations/1026/10/?utm_source=chatgpt.com); [https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-B/section-1026.10](https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-B/section-1026.10) | Fresh; complete **(a)–(f)** and all inline comments: 10(a)-1–2; 10(b)-1–7; 10(d)-1–2; 10(e)-1–4; 10(f)-1–5, including examples. CFPB body lines 56–166; eCFR operative body lines 103–133. | HTML; N/A. | CFPB current label; retrieved eCFR title banner through **2026-10-22**. No particular-date posting mandate inferred. |\n| **R009-P1-S007** | CFPB/OFR, **12 C.F.R. § 1026.53, Allocation of payments**, with Supplement I. [https://www.consumerfinance.gov/rules-policy/regulations/1026/53/](https://www.consumerfinance.gov/rules-policy/regulations/1026/53/?utm_source=chatgpt.com); [https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-G/section-1026.53](https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-G/section-1026.53) | Fresh; complete **(a), (b)(1)(i)–(ii), (b)(2)**; complete comments **53-1–5** and **53(b)-1–3**, including their examples and invalid-request examples. CFPB body lines 55–125; eCFR lines 103–110. | HTML; N/A. | CFPB current label; retrieved eCFR title banner through **2026-10-22**. Comments 53-1–5 are section-level comments, not invented “53(a)” paragraph numbers. |\n| **R009-P1-S008** | CFPB/OFR, **12 C.F.R. § 1026.11, Treatment of credit balances; account termination**, with Supplement I. [https://www.consumerfinance.gov/rules-policy/regulations/1026/11/](https://www.consumerfinance.gov/rules-policy/regulations/1026/11/?utm_source=chatgpt.com); [https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-B/section-1026.11](https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-B/section-1026.11) | Fresh; complete **(a)(1)–(3)** and comments 11(a)-1–2, 11(a)(2)-1, 11(a)(3)-1–2. Paragraph (b) and its comment read to distinguish termination. Estate-debt subsection (c) excluded from substantive analysis. | HTML; N/A. | Later retrieved eCFR packet through **2026-10-23**; earlier packet displayed **2026-04-21** and is preserved as an access discrepancy, not silently treated as current. |\n| **R009-P1-S009** | CFPB, **necessary adjacent provisions**. [https://www.consumerfinance.gov/rules-policy/regulations/1026/5/](https://www.consumerfinance.gov/rules-policy/regulations/1026/5/?utm_source=chatgpt.com); [https://www.consumerfinance.gov/rules-policy/regulations/1026/7/](https://www.consumerfinance.gov/rules-policy/regulations/1026/7/?utm_source=chatgpt.com); [https://www.consumerfinance.gov/rules-policy/regulations/1026/16/](https://www.consumerfinance.gov/rules-policy/regulations/1026/16/?utm_source=chatgpt.com) | Fresh selected text: comment **5(b)(2)(ii)-2**, meaning of treating payment as late; **7(b)(13)–(14)** and corresponding format comment; **16(h)(2)** and comment 16(h)-1. Surrounding text was viewed, but broad statement-timing, advertising, and billing-dispute regimes are not adopted here. | HTML; N/A. | Agency current-label text, subject to S013 and the stated currentness limits. |\n| **R009-P1-S010** | CFPB, **Appendix G, Open-End Model Forms and Clauses**. [https://www.consumerfinance.gov/rules-policy/regulations/1026/g/](https://www.consumerfinance.gov/rules-policy/regulations/1026/g/?utm_source=chatgpt.com); **G-18(D)** image: [https://files.consumerfinance.gov/eregulations/ER22DE11.026-2.png](https://files.consumerfinance.gov/eregulations/ER22DE11.026-2.png) | Fresh; Appendix G comments **8–10**, G-18(D) payment-information sample, and complete **G-18(H)** deferred-interest clause. G-18(F)/(G) instructions read, but their complete images were **not** inspected. | G-18(D): one image surface, no PDF page/index. G-18(H): HTML text. No unseen full-form review claimed. | Generic official model material, not evidence of any creditor’s contract, statement, rate, fee, or actual deadline. |\n| **R009-P1-S011** | Federal Reserve/GPO, **Truth in Lending, final rule**, 75 FR 7658, February 22, 2010. [https://www.govinfo.gov/content/pkg/FR-2010-02-22/pdf/2010-624.pdf](https://www.govinfo.gov/content/pkg/FR-2010-02-22/pdf/2010-624.pdf?utm_source=chatgpt.com) | Fresh selected reading: action/effective/mandatory-compliance text; allocation discussion beginning at § 226.53 and continuing through the minimum, rate-date, dispute, and equal-rate explanation. Not a read of all 268 pages. | Printed **7658**, PDF **0**, image inspected; selected text at **7726–7727**, PDF **68–69**. Other search-returned passages are not asserted as whole-page reads. | **Historical final rule**, not current Part 1026 text. Effective February 22, 2010; listed § 226.10 and §§ 226.51–58 had that mandatory compliance date. Used for historical implementation, not to override current text. |\n| **R009-P1-S012** | Federal Reserve/CFPB/GPO, **Truth in Lending (Regulation Z), final rules; official interpretations**, 90 FR 57882, December 15, 2025. [https://www.govinfo.gov/content/pkg/FR-2025-12-15/pdf/2025-22814.pdf](https://www.govinfo.gov/content/pkg/FR-2025-12-15/pdf/2025-22814.pdf?utm_source=chatgpt.com) | Fresh selected reading: action/effective clause, 2026 threshold explanation, and operative CFPB comments **3(b)-3.xvii, -4, -6(i), -7, -8**. Surrounding closed-end commentary was encountered but not made a new closed-end investigation. | Printed **57882–57883**, PDF **0–1**, selected text; **57887–57888**, PDF **5–6**, selected operative text. Image **5** inspected. | Final and effective **January 1, 2026**; states **$73,400 for January 1–December 31, 2026**. No future-year threshold inferred. |\n| **R009-P1-S013** | CFPB, **All versions of 12 CFR Part 1026**. [https://www.consumerfinance.gov/rules-policy/regulations/1026/versions/10/](https://www.consumerfinance.gov/rules-policy/regulations/1026/versions/10/?utm_source=chatgpt.com) | Fresh metadata reading, especially the current-version entry. | HTML; N/A. | Lists **April 8, 2026** as current. A Part-level version index is not a section-specific amendment history, official annual CFR edition, or complete lag audit. |\n\nPrimary bodies supporting the register are available through the corresponding citations. [COMMERCE AND TRADE+9](https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap41-subchapI-partD-sec1666c.htm?utm_source=chatgpt.com)\n\n### B. Failed and limited-use source routes\n\nThese rows are part of the source register. **A failed retrieval supports no inference that a rule is absent.**\n\n| Source ID | Complete literal HTTPS URLs attempted | Actual result and effect |\n| --- | --- | --- |\n| **R009-P1-S014** | House current/preliminary routes: **a.** [https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section1666c&num=0&edition=prelim](https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section1666c&num=0&edition=prelim&utm_source=chatgpt.com); **b.** [https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section1666d&num=0&edition=prelim](https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section1666d&num=0&edition=prelim); **c.** [https://uscode.house.gov/us/usc/t15/s1666c/](https://uscode.house.gov/us/usc/t15/s1666c/?utm_source=chatgpt.com); **d.** [https://uscode.house.gov/us/usc/t15/s1666d/](https://uscode.house.gov/us/usc/t15/s1666d/); **e.** [https://uscode.house.gov/view.xhtml?req=%28title%3A15+section%3A1666c+edition%3Aprelim%29](https://uscode.house.gov/view.xhtml?req=(title:15+section:1666c+edition:prelim)&utm_source=chatgpt.com); **f.** [https://uscode.house.gov/view.xhtml?req=%28title%3A15+section%3A1666d+edition%3Aprelim%29](https://uscode.house.gov/view.xhtml?req=%28title%3A15+section%3A1666d+edition%3Aprelim%29); **g.** [https://uscode.house.gov/us/usc/119-134/t15/s1666c/](https://uscode.house.gov/us/usc/119-134/t15/s1666c/); **h.** [https://uscode.house.gov/us/usc/119-134/t15/s1666d/](https://uscode.house.gov/us/usc/119-134/t15/s1666d/) | a–b and f returned fetch/404 failures; c–d and g–h were inaccessible through the tool; e returned a maintenance page. Newer compilation descriptions appeared in search results but were **discovery only**. Current House operative bodies not recovered. |\n| **R009-P1-S015** | GovInfo unsuccessful HTML routes: **a.** [https://www.govinfo.gov/content/pkg/USCODE-2025-title15/html/USCODE-2025-title15-chap41-subchapI-partD-sec1666c.htm](https://www.govinfo.gov/content/pkg/USCODE-2025-title15/html/USCODE-2025-title15-chap41-subchapI-partD-sec1666c.htm); **b.** [https://www.govinfo.gov/content/pkg/USCODE-2025-title15/html/USCODE-2025-title15-chap41-subchapI-partD-sec1666d.htm](https://www.govinfo.gov/content/pkg/USCODE-2025-title15/html/USCODE-2025-title15-chap41-subchapI-partD-sec1666d.htm); **c.** [https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap41-subchapI-partD-sec1666d.htm](https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap41-subchapI-partD-sec1666d.htm); **d.** [https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap41-subchapI-partB-sec1665d.htm](https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap41-subchapI-partB-sec1665d.htm); **e.** [https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap41-subchapI-partD-sec1666j.htm](https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap41-subchapI-partD-sec1666j.htm); **f.** [https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap41-subchapI-partB-sec1637.htm](https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap41-subchapI-partB-sec1637.htm) | All returned inaccessible results. a–b did not establish a 2025 edition. c and f were recovered in edition-specific PDFs. d was an unsuccessful exploratory citation route and supplies no conclusion. e was followed by the PDF in S017; it was not the payment-method-fee authority. Correct fee authority was recovered in **§ 1637(l), S004**. |\n| **R009-P1-S016** | OFR, full Supplement I: [https://www.ecfr.gov/current/title-12/chapter-X/part-1026/appendix-Supplement%20I%20to%20Part%201026](https://www.ecfr.gov/current/title-12/chapter-X/part-1026/appendix-Supplement%20I%20to%20Part%201026?utm_source=chatgpt.com) | Retrieval failed because content exceeded the tool’s size limit. This was not treated as absence of official commentary. Necessary comments were read in the CFPB section bodies; additional threshold text was read in S012. |\n| **R009-P1-S017** | Auxiliary opened routes: [https://www.govinfo.gov/content/pkg/USCODE-2024-title15/pdf/USCODE-2024-title15-chap41-subchapI-partD-sec1666j.pdf](https://www.govinfo.gov/content/pkg/USCODE-2024-title15/pdf/USCODE-2024-title15-chap41-subchapI-partD-sec1666j.pdf?utm_source=chatgpt.com); [https://www.consumerfinance.gov/rules-policy/regulations/1026/13/](https://www.consumerfinance.gov/rules-policy/regulations/1026/13/?utm_source=chatgpt.com); [https://www.consumerfinance.gov/rules-policy/regulations/1026/interp-10/](https://www.consumerfinance.gov/rules-policy/regulations/1026/interp-10/); [https://www.consumerfinance.gov/rules-policy/regulations/1026/interp-11/](https://www.consumerfinance.gov/rules-policy/regulations/1026/interp-11/); [https://www.consumerfinance.gov/rules-policy/regulations/1026/interp-53/](https://www.consumerfinance.gov/rules-policy/regulations/1026/interp-53/); [https://www.consumerfinance.gov/rules-policy/regulations/1026/interp-3/](https://www.consumerfinance.gov/rules-policy/regulations/1026/interp-3/?utm_source=chatgpt.com) | § 1666j’s selected text concerned state-law applicability and was not used as the fee rule or as a state-law analysis. § 13 was opened/searched but not used as a completed billing-error investigation. Standalone interpretation routes were navigation/duplicate access; the complete payment/refund/allocation comment readings claimed above are the integrated bodies in S006–S008. No separate corroboration count. |\n\nNo CFPB circular, bulletin, advisory opinion, or other guidance document was used as a substantive foundation. Consequently, no such document is represented as having passed a Withdrawn Guidance register check. No proposed rule, withdrawn guidance, or case opinion supplies a conclusion here. No litigation-status or docket search was performed.\n\n## 3. Atomic claim register\n\n**Status key**\n\n- **R:** Supported by the regulatory body or official interpretation actually read.\n- **S:** Supported by statutory text actually read in the official 2024 edition; current-body limitation remains.\n- **I:** Expressly identified inference or limitation drawn from the identified provisions.\n- **U:** Actual application remains unknown because the relevant facts or additional authority were not investigated.\n\nAll claims retain the source-version limits above. “Covered account” never substitutes for establishing the applicable consumer, product, actor, exemption, and provision-specific predicates.\n\n### A. Coverage and actors\n\n| Claim ID | Area and precise claim | Trigger, conditions, exceptions | Source pinpoint | Status / limit |\n| --- | --- | --- | --- | --- |\n| **R009-P1-C001** | Consumer coverage depends on credit primarily for personal, family, or household purposes. | The statutory consumer-transaction definition refers to a natural person; regulatory cardholder and specified trust rules require their own treatment. A consumer-facing label alone is insufficient. | S003, § 1602(i); S005, § 2(a)(11)–(12), comments 2(a)(11)-1, -3 and 2(a)(12)-1. | S/R; actual purpose and status U. |\n| **R009-P1-C002** | Open-end credit ordinarily requires a plan contemplating repeated transactions, possible finance charges on unpaid balances, and generally replenishing credit. | All three regulatory criteria matter. Card-issuer provisions also bring specified no-finance-charge and closed-end card arrangements within relevant Subpart B rules; “not ordinary revolving credit” is not a universal exclusion from §§ 10–11. | S003, § 1602(g), (j); S005, § 2(a)(17)(iii)–(iv), (20), comments 2(a)(17)(iii)-1, 2(a)(17)(iv)-1, 2(a)(20)-1–5. | S/R; specialized closed-end applications otherwise held. |\n| **R009-P1-C003** | A card issuer is the issuer or its agent with respect to the card; “creditor” has provision-specific routes. | Mere card production or data processing does not alone establish agency. Section 10(e) separately expands its own creditor definition to specified payment processors. | S003, § 1602(g), (o); S005, § 2(a)(7), (17), comment 2(a)(7)-1; S006, § 10(e). | S/R; agency and actual creditor status U. |\n| **R009-P1-C004** | Regulatory cardholder status can include a natural person agreeing with the issuer to pay consumer-card obligations issued to another. | The commentary distinguishes a co-obligor/guarantor from a merely authorized user. This definition does not itself decide contract liability, joint ownership, or entitlement to a particular refund. | S005, § 2(a)(8), comment 2(a)(8)-1–4. | R; liability/refund ownership U. |\n| **R009-P1-C005** | The narrow covered-credit-card-account definition excludes a § 1026.40 home-equity plan accessed by a card and the specified overdraft lines. | The account-number overdraft exclusion has an express exception for a hybrid prepaid-credit card accessing a covered separate credit feature. A debit card without a credit feature is not automatically a credit card. | S005, § 2(a)(15)(i)–(ii), comments 2(a)(15)-2 and -4. | R; full hybrid-prepaid classification held. |\n| **R009-P1-C006** | A charge card is a credit card for which no periodic rate computes a finance charge; references to covered card accounts in Subparts B and G generally include charge cards. | Particular sections contain express distinctions. Section 53 still requires an actual excess amount and allocable balances; no interest-bearing balance is invented for a charge card. | S005, § 2(a)(15)(iii), comment 2(a)(15)-3; S007, § 53(a). | R/I; product features U. |\n| **R009-P1-C007** | General-purpose, store, cash-advance, balance-transfer, promotional, and non-home-secured secured-card labels do not independently displace the core coverage tests. | The actual plan, access device, consumer purpose, security, balances, and exemptions control. A secured balance can expressly fall within § 53(b)(2). | S005, § 2(a)(15), (20); S007, § 53(a), (b)(2), comment 53-5. | I anchored in R; no comprehensive subtype acceptance. |\n| **R009-P1-C008** | Business-purpose cards do not acquire these consumer operational protections merely through occasional personal use; consumer-purpose cards do not lose them through occasional business use. | Section 3(a)’s commercial/organizational exclusions and the limited § 12(a)–(b) exceptions must be distinguished. Those exceptions are not a general extension of §§ 10, 11, or 53 to business cards. | S003, § 1603(1); S005, § 3(a), comments 3-1, 3(a)-2 and 2(a)(8)-4. | S/R; actual mixed-purpose classification U. |\n| **R009-P1-C009** | The high-value exemption can matter even to an open-end account. The 2026 threshold is **$73,400**. | The relevant route is an initial extension exceeding the then-applicable threshold or a qualifying firm written commitment at opening—not merely a later displayed balance. Real-property/principal-dwelling security and private-education exceptions must be respected. | S005, § 3(b)(1), comment 3(b)-3.xvii; S012, comments 3(b)-4.i and -6(i). | R; threshold effective Jan. 1–Dec. 31, 2026; actual exemption U. |\n| **R009-P1-C010** | An exemption’s history matters: initial-extension and firm-commitment routes do not have identical persistence rules. | Reduction of a qualifying commitment can end that route; a qualifying initial extension can preserve exemption despite later reductions. Combining smaller advances is not the same as the specified single initial advance. Later real-property/principal-dwelling security can end an open-end exemption. | S012, comments 3(b)-4.ii–iv, -6(i), -7; legacy transition in -8. | R; no actual opening/history determination. |\n| **R009-P1-C011** | Exclusion from § 53’s narrow account category does not automatically eliminate general open-end crediting or credit-balance duties. | A covered home-equity line or non-card open-end plan can remain subject to general § 10 and § 11(a) requirements, while § 10(b)(3), § 10(e), and § 53 have their narrower express scopes. | S005, § 2(a)(15)(ii), (17), (20); S006–S008, respective operative clauses. | R; no wholesale application of card-specific rules to HELOCs. |\n\nThese scope conclusions follow the statute/regulation distinction rather than treating all products called “cards” alike. [COMMERCE AND TRADE+6](https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap41-subchapI-partA-sec1602.htm?utm_source=chatgpt.com)\n\n### B. Receipt and payment crediting\n\n| Claim ID | Area and precise claim | Trigger, conditions, exceptions | Source pinpoint | Status / limit |\n| --- | --- | --- | --- | --- |\n| **R009-P1-C012** | Section 1666c(a) requires prompt posting as specified by regulation and protection against a finance charge when its stated payment conditions are met. | Receipt in readily identifiable form by 5 p.m. on the due date, in the amount, manner, and location indicated to avoid the charge. This is not a rule that every timely minimum payment prevents all interest. | S001, § 1666c(a). | S; read with implementing regulation. |\n| **R009-P1-C013** | Section 10(a) generally requires crediting **as of receipt**, not posting on one particular date. | Exceptions: delay produces no finance or other charge, or paragraph (b) applies. Posting date alone therefore does not establish a crediting violation. | S006, § 10(a), comment 10(a)-1. | R. |\n| **R009-P1-C014** | A check is received when it reaches the creditor, rather than when the funds are collected. | Sending or postmarking is not the identified receipt event. Applicable requirements and cutoffs still matter. | S006, comment 10(a)-2.i; § 10(b). | R/I; no universal postmark rule. |\n| **R009-P1-C015** | With a consumer-selected third-party payor, receipt generally occurs when the creditor receives that payor’s check or transfer medium. | The payment must satisfy applicable § 10(b) requirements. An instruction to another bank is not automatically receipt by the creditor. | S006, comment 10(a)-2.iii. | R; actual transfer/agency facts U. |\n| **R009-P1-C016** | An issuer-website payment is received on the date the consumer authorizes the issuer to effect it. | Advance scheduling does not move receipt to the earlier instruction date. An immediate instruction received after 5 p.m. or a later specified cutoff is deemed authorized for the next business day. | S006, comment 10(a)-2.iv. | R; exact method, authorization date, cutoff, and calendar U. |\n| **R009-P1-C017** | The specified voluntary payroll arrangement uses the debit from the asset account as receipt, not the earlier payroll deposit. | Consumer retains use until the contractual payment date; the commentary separately describes the covered hybrid-prepaid arrangement. This does not establish general setoff or compulsory-autopay authority. | S006, comment 10(a)-2.ii. | R; cross-referenced setoff/prepaid regimes held. |\n| **R009-P1-C018** | A creditor may prescribe reasonable requirements enabling most consumers to conform. | Examples include an account locator/stub, checks or money orders by mail, U.S. dollars, and a specified address. Ordinary mail/electronic/telephone/in-person cutoffs may not be earlier than **5 p.m. on the due date at the specified receipt location**, subject to the branch exception. | S006, § 10(b)(1)–(2). | R; no universal consumer-local-time assumption. |\n| **R009-P1-C019** | If requirements were not specified, the commentary supplies implied payment guidelines. | Payment at business locations during normal business hours; cash, money order, draft, similar negotiable instrument, or agreed electronic transfer. Comment 10(b)-1 separately flags possible compulsory-EFT restrictions. | S006, comments 10(b)-1 and -4. | R; full Regulation E analysis excluded. |\n| **R009-P1-C020** | Creditor-promoted payment methods are treated as conforming under § 10(b)(4)(ii). | Promotion can encompass website, telephone, in-person, or specified third-party channels. Applicable permitted cutoffs remain relevant; conformity does not independently prove receipt. | S006, § 10(b)(4)(ii), comment 10(b)-2.i–iv. | R. |\n| **R009-P1-C021** | An accepted nonconforming payment generally must be credited within **five days of receipt**. | Qualifying requirements must have been specified on or with the periodic statement. Promoted-method treatment can defeat the asserted nonconformity. Commentary permits finance-charge accrual between receipt and crediting in this branch. | S006, § 10(b)(4)(i)–(ii), comment 10(b)-3. | R; no general duty to accept every defective tender inferred. |\n| **R009-P1-C022** | Qualifying in-person payments at a financial-institution issuer’s branch/office count as received that day when made before close of business. | Covered not-home-secured consumer card account; accepted branch location; financial institution means bank, savings association, or credit union. Closing time controls, including an earlier-than-5-p.m. closing. | S006, § 10(b)(3)(i)–(ii). | R. |\n| **R009-P1-C023** | A merchant retail location is not automatically the issuing financial institution’s branch or office. | The commentary specifically addresses merchant-limited and cobranded cards. A merchant payment may still be conforming under other provisions. | S006, comment 10(b)-5; § 10(b)(4)(ii). | R. |\n| **R009-P1-C024** | Employee assistance and affiliate relationships affect the in-person branch rule. | Teller/employee-assisted payment qualifies; a branch mail slot does not qualify as in-person under this rule. A same-name affiliate accepting issuer-account payments is covered by the stated affiliate interpretation. | S006, comments 10(b)-6–7. | R; factual relationship U. |\n| **R009-P1-C025** | Improperly delayed crediting that causes finance or other charges requires an account adjustment during the next billing cycle. | The failure must violate § 10(a) or (b) and result in the charges described. This is the section’s account-adjustment duty, not a damages award or complete remedies analysis. | S006, § 10(c). | R. |\n| **R009-P1-C026** | If the creditor does not receive or accept mail payments on the due date, the next-mail-business-day protection generally applies. | For **§ 10(d)**, that next business day means the next day the creditor accepts or receives payments by mail. This is not a universal Monday–Friday definition. | S004, § 1637(o)(2); S006, § 10(d)(1), comment 10(d)-1. | S/R. |\n| **R009-P1-C027** | A mail-closure extension does not necessarily extend a different payment channel. | If electronic or telephone payments are accepted on the due date, payments made by that channel the next business day need not be treated as timely under § 10(d)(2). Ordinary periodic interest on a no-grace account is not, by itself, late treatment. | S006, § 10(d)(2), comment 10(d)-2; S009, comment 5(b)(2)(ii)-2. | R; other timing protections not decided. |\n| **R009-P1-C028** | A separate fee for making a payment is generally prohibited on the specified covered card accounts unless the stated expedited-service exception applies. | Section 1637(l) supplies the statutory rule; § 10(e) uses the narrow not-home-secured account category and includes a processor acting for the creditor. A late charge is not classified as this separate payment-method fee merely because payment was late. | S004, § 1637(l); S006, § 10(e), comments 10(e)-1, -4. | S/R; general late-fee legality held. |\n| **R009-P1-C029** | The § 10(e) exception requires expedited service involving a live representative or agent. | Expedited means same-day crediting, or next-business-day crediting after cutoff. Automated-only service is not a representative; mixed live/automated service may qualify. A consumer’s own transfer service/bill-pay bank is not thereby the creditor’s processor. | S006, comments 10(e)-2–4. | R; exception is not an all-law permission to charge. |\n| **R009-P1-C030** | A material issuer change in payment address/procedures can prohibit late-payment fees or finance charges during the specified **60-day** period. | Required causal link: the change causes material delay. A harmless address-format change or continued successful acceptance at the former address does not establish that predicate. | S001, § 1666c(c); S006, § 10(f), comments 10(f)-1–4. | S/R; change date and causation U. |\n| **R009-P1-C031** | The retail-location interpretation has a specific notice-based correction mechanism. | If the issuer uses that treatment, notice must reach it no later than 60 days after transmission of the first statement reflecting the affected charge; qualifying charges imposed in the change’s 60-day period must be waived, removed, or equivalently credited. | S006, comment 10(f)-3.ii, -4.vi. | R; the two 60-day triggers must not be merged. |\n| **R009-P1-C032** | Section 10(f)’s safe harbor and late-payment-charge concept have limits. | The issuer may avoid affected charges for the specified period; waiver/removal/equivalent credit counts. Ordinary periodic interest on an account without a grace period is not automatically a finance charge “for a late payment.” | S006, comments 10(f)-3.i and -5. | R. |\n| **R009-P1-C033** | The crediting provisions do not themselves establish instantaneous restoration of available credit, cancellation of debt, or a particular allocation of the payment. | This is a limitation of the provisions examined. Other contract, funds-availability, payment-system, or legal requirements may matter. | S006, § 10; S005, comment 2(a)(20)-5; S007–S008. | I; broader duties U. |\n\nThe complete payment text and comments support the method-specific distinctions above. [Consumer Financial Protection Bureau+5](https://www.consumerfinance.gov/rules-policy/regulations/1026/10/?utm_source=chatgpt.com)\n\n### C. Excess-payment allocation\n\n| Claim ID | Area and precise claim | Trigger, conditions, exceptions | Source pinpoint | Status / limit |\n| --- | --- | --- | --- | --- |\n| **R009-P1-C034** | On a covered card account, the ordinary rule allocates **excess above the required minimum** first to the highest-APR balance, then other balances in descending APR order. | Subject to § 53(b) and official dispute-related interpretation. Product coverage must first be established. | S001, § 1666c(b)(1); S007, § 53(a). | S/R. |\n| **R009-P1-C035** | Section 53 does not prescribe the amount of the required minimum or generally dictate how that minimum is allocated. | The issuer remains subject to other applicable law and regulatory guidance. Voluntarily using the excess-payment method for the minimum is permitted where otherwise consistent. | S007, comment 53-1. | R; minimum-setting/allocation law otherwise held. |\n| **R009-P1-C036** | The issuer may use rates and balances from the preceding cycle’s end, the payment-crediting date, or a date between. | The selection generally must be consistent between cycles, although adjustments from time to time are permitted. This does not authorize a rate change or prove the selected APR lawful. | S007, comment 53-2 and examples. | R; actual valuation practice and lawful rate U. |\n| **R009-P1-C037** | The commentary generally prescribes no particular allocation among tied-rate balances when at least one other balance has a different rate. | Tied balances may be treated together or separately. If all rates are identical, the descending-rate rule itself supplies no differential ranking; that last point is a textual inference, subject to special rules and other law. | S007, comment 53-4, example 53-5.iv; § 53(a). | R for specified tie case; I for all-identical-rate observation. |\n| **R009-P1-C038** | Deferred-interest treatment depends on interest accruing but being avoidable, waived, or refunded through full payment by the specified expiration. | Applies regardless of required interim payments. A recurring grace period is excluded. A temporary zero APR is not enough unless interest accrued during the period can become payable. | S007, comment 53(b)-1; S009, § 16(h)(2), comment 16(h)-1. | R; promotional label alone insufficient. |\n| **R009-P1-C039** | During the relevant deferred-interest period, the balance is treated as having a **zero APR for § 53 allocation**. | Consequently, equal nominal accrual rates do not necessarily create tied allocation rates. The expiration-period exception remains applicable. | S007, comment 53-4. | R; not a finding that no interest is accruing. |\n| **R009-P1-C040** | In the default deferred-interest branch, excess goes first to that balance during the two billing cycles immediately preceding expiration; remainder follows § 53(a). | Outside that period, ordinary allocation applies, unless a permitted consumer-request allocation is used. The statutory “entire excess” language is implemented with an express rule for any remainder after the deferred balance is satisfied. | S001, § 1666c(b)(2); S007, § 53(b)(1)(i)–(ii). | S/R; no assumption that “two cycles” equals two calendar months. |\n| **R009-P1-C041** | Expiration before a cycle’s payment due date changes which cycles count. | That expiration cycle is not one of the two immediately preceding cycles under comment 53(b)-2. Its example gives priority in the preceding two cycles and in the preexpiration portion of the expiration cycle. | S007, comment 53(b)-2; S005, § 2(a)(4). | R; actual cycle/due/expiration dates U. |\n| **R009-P1-C042** | The issuer is generally not required to follow a consumer’s allocation request. | It may decline requests generally or for failure to meet its requirements, provided default allocation complies with § 53(a) or (b)(1)(i). Missing or unusable requests likewise require default allocation unless corrected. | S007, § 53(b)(1)(ii), comment 53(b)-3.i. | R; no general request-based override. |\n| **R009-P1-C043** | A qualifying request must be an affirmative consumer instruction, not merely issuer-imposed or preselected language. | Commentary recognizes oral/electronic/written instructions, purpose-built submitted forms, and requests to reallocate a prior payment. Preprinted assent, untouched preselected boxes, and conditioning features/services on an allocation are insufficient examples. Issuer acceptance requirements remain relevant. | S007, comment 53(b)-3.ii–iii. | R. |\n| **R009-P1-C044** | For a secured balance on a covered **not-home-secured** card account, the issuer may elect to allocate excess to that balance if the consumer requests it. | This is the specific secured-balance option, not a requirement to comply or permission to import § 53 into a home-equity plan. | S007, § 53(b)(2), comment 53(b)-3. | R; existence and reach of security interest U. |\n| **R009-P1-C045** | A qualifying § 12(c) claim/defense or § 13 billing-error allegation affects payment allocation. | The issuer must avoid or minimize reducing the disputed amount. The official example permits residual application to it when no other amounts remain; a subsequently established billing error still requires the identified correction. Not every informal complaint is assumed to meet the referenced provisions. | S007, comment 53-3.i–ii. | R; dispute qualification, merits, procedures, and remedies held. |\n\nThe statutory rule, current regulation, and official commentary must be read together; neither “highest rate first for every dollar” nor “the consumer can always choose” is supported. [COMMERCE AND TRADE+5](https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap41-subchapI-partD-sec1666c.htm?utm_source=chatgpt.com)\n\n### D. Credit balances and refunds\n\n| Claim ID | Area and precise claim | Trigger, conditions, exceptions | Source pinpoint | Status / limit |\n| --- | --- | --- | --- | --- |\n| **R009-P1-C046** | The credit-balance rule is triggered by a credit balance **in excess of $1**, created through the specified categories. | Categories include funds above the total balance due, rebates of unearned finance charges/insurance premiums, and amounts otherwise owed to or held for the consumer. An excess above the minimum alone does not establish this. | S002, § 1666d opening clause; S008, § 11(a). | S/R; actual ledger balance U. |\n| **R009-P1-C047** | A qualifying credit balance must be credited to the consumer’s account. | This is separate from the request-based refund and aged-balance effort. The provision does not make cash refund immediate in every case. | S002, § 1666d(A); S008, § 11(a)(1). | S/R. |\n| **R009-P1-C048** | The statute requires refund upon request; the regulation specifies refund of the remaining credit balance within **seven business days after receipt of a written request**. | The written-request and seven-business-day details appear in the regulation, not the statutory wording. Whether a particular electronic communication legally constitutes the required writing is not determined here. | S002, § 1666d(B); S008, § 11(a)(2). | S/R; request form/receipt U. |\n| **R009-P1-C049** | The ordinary § 2(a)(6) business-function definition governs the § 11(a)(2) period. | It asks when the creditor’s offices are open to the public for substantially all business functions; limited bill-payment/deposit services alone do not establish that. Section 10(d)’s mail-specific definition is not imported. | S005, § 2(a)(6), comment 2(a)(6)-1; S008, § 11(a)(2). | R; no calendar calculated. |\n| **R009-P1-C050** | A creditor may satisfy the obligation earlier, including by immediate refund, refund before written request, or refund on oral/electronic request. | These permitted compliance methods do not erase the mandatory written-request trigger or establish that every oral request starts the same seven-business-day clock. | S008, comment 11(a)-1.i–iii. | R; electronic-writing characterization held. |\n| **R009-P1-C051** | The creditor need not honor standing orders requesting refunds of future credit balances. | This concerns prospective standing orders; it is not a general exception to a qualifying request for an existing credit balance. | S008, comment 11(a)(2)-1. | R. |\n| **R009-P1-C052** | Refund amount is the remaining credit balance at the time refund is required. | Intervening purchases or other debits, including amounts not yet shown on a periodic statement, may decrease or eliminate it. Their underlying validity is not established merely by appearing in a ledger. | S008, comment 11(a)-2. | R/I; debit validity U. |\n| **R009-P1-C053** | A credit balance remaining for **more than six months** requires a good-faith refund effort. | Statutory channels are cash/check/money order; the regulation also lists credit to the consumer’s deposit account. This duty is not conditional on a new written request. | S002, § 1666d(C); S008, § 11(a)(3). | S/R. |\n| **R009-P1-C054** | “Unlocated consumer” requires more than a stale address on file. | Positive steps are required, including necessary tracing through the last-known address or telephone number, or both. The text’s no-further-action condition requires unknown current location and inability to trace through those sources. | S002, § 1666d(C); S008, § 11(a)(3), comment 11(a)(3)-1. | S/R; adequacy of an actual effort U. |\n| **R009-P1-C055** | An unsuccessful qualifying good-faith effort can exhaust the further duties imposed by § 11; an unsuccessful early effort need not be repeated merely at six months. | The ultimate disposition of an unsuccessful-refund balance, or a balance of $1 or less, remains governed by other applicable law. This is not creditor ownership or debt-forfeiture authority. | S008, comments 11(a)-1.iv and 11(a)(3)-2. | R; property/unclaimed-property law held. |\n| **R009-P1-C056** | Closure alone supplies no express exception to § 11(a)’s credit-balance duties and no express new immediate-cash deadline. | This is a textual inference from § 1666d and § 11(a); the separately stated termination provisions do not supply either proposition. Particular closure, security-deposit, or contract obligations remain unexamined. | S002; S008, § 11(a)–(b). | I; broader closure consequences U. |\n| **R009-P1-C057** | Zero balance, an unposted payment, a merchant dispute, and a settlement discount are not interchangeable with an established credit balance. | A merchant credit or other adjustment can contribute to a credit balance once legally/accountingly owed, but the label or allegation alone does not establish money held for the consumer. | S002, opening clause; S006, § 10; S008, § 11(a). | I; underlying merits and accounting U. |\n\nThe statute–regulation differences are substantive enough that the seven-business-day period, written request, and deposit-account refund method should be attributed to the regulation rather than silently inserted into the statutory text. [govinfo.gov+3](https://www.govinfo.gov/content/pkg/USCODE-2024-title15/pdf/USCODE-2024-title15-chap41-subchapI-partD-sec1666d.pdf?utm_source=chatgpt.com)\n\n### E. Generic forms, proof, and version limits\n\n| Claim ID | Area and precise claim | Trigger, conditions, exceptions | Source pinpoint | Status / limit |\n| --- | --- | --- | --- | --- |\n| **R009-P1-C058** | G-18(D) illustrates placement/proximity of payment information; it is not an account agreement or universal processing instruction. | Appendix G allows adjustment for charge-card/revolving features. G-18(F)/(G) contain some optional information and formats. No sample amount, rate, or date was adopted as law. | S010, comments 9–10; S009, § 7(b)(13). | R; complete F/G images not inspected. |\n| **R009-P1-C059** | An outstanding deferred-interest balance has a periodic-statement expiration disclosure requirement. | Under § 7(b)(14), the full-payment date must appear on the front of a page of each statement issued during the period, beginning with the first statement reflecting the transaction; wording substantially similar to G-18(H). | S009, § 7(b)(14); S010, G-18(H). | R; disclosure is not an actual receipt or payoff determination. |\n| **R009-P1-C060** | The worksheet’s evidence categories are analytical needs, not newly asserted statutory document-production duties or universal evidentiary presumptions. | A statement may show requirements and dates; it does not alone establish delivery of a particular payment or the legal correctness of every balance/rate. | S006–S010, compared by function. | I; admissibility, burdens, and records requests excluded. |\n| **R009-P1-C061** | Currentness verification is bounded by the actual retrieved versions and failures. | Historical final rules establish specified historical implementation; metadata/search descriptions do not replace current operative bodies. No full repeal/stay/vacatur/session-law audit is claimed. | S001–S017 and the retrieval log. | Observed research limitation; not legal acceptance. |\n\n## 4. Clock and proof comparison\n\n**No actual or hypothetical calendar deadline is calculated in this report.** Periods below are the source-prescribed periods; the trigger and calendar must be established before any application.\n\n| Event / clock | Trigger and prescribed treatment | Calendar or measurement rule | Evidence categories needed for a later authorized analysis | Claim links |\n| --- | --- | --- | --- | --- |\n| Ordinary payment crediting | Payment received; generally credit **as of that date**. | Not a particular posting date; no-charge and paragraph (b) exceptions. | Method, receipt event, effective-credit date, charges attributable to delay. | C012–C016 |\n| Website scheduling | Date the creditor is authorized to effect payment. | Immediate instructions after permitted cutoff move to next business day under comment 10(a)-2.iv. | Authorization content, selected execution date, timestamp, cutoff/location. | C016, C018 |\n| Accepted nonconforming payment | Receipt of an accepted payment failing properly specified requirements. | **Within five days**; source does not say five business days. | Statement requirements, acceptance, actual nonconformity, promoted-method facts. | C020–C021 |\n| Assisted branch payment | Payment before qualifying branch/office closes. | Same-day receipt; branch closing may precede 5 p.m. | Financial-institution issuer, accepted location, employee involvement, closing time. | C022–C024 |\n| No mail accepted on due date | Due date is a day creditor does not receive/accept mail payments. | Next business day **for this paragraph** means next mail-receipt/acceptance day. Other channels have their own exception. | Due date, mail schedule, chosen channel, receipt date. | C026–C027 |\n| Correction of crediting-caused charges | Failure to credit under § 10(a)/(b) causes covered charges. | Credit those charges during the **next billing cycle**. | Required crediting date, imposed charge, causal connection, cycle boundaries. | C025 |\n| Material payment-procedure change | Effective change causes material delay. | Specified **60-day period after change**. Retail notice branch separately uses **60 days after transmission of first statement showing the charge**. | Change effective date, affected procedure, causal delay, statement transmission and notice dates. | C030–C032 |\n| Excess allocation | Payment exceeds required minimum on a covered account. | Allocation uses a permitted rate/balance reference date; no separate universal waiting period is created by § 53. | Minimum, payment, separate balances/rates, chosen reference-date practice, exceptions. | C034–C045 |\n| Deferred-interest priority | Relevant promotion approaches expiration. | **Two billing cycles**, with the expiration-before-due-date interpretation. | Promotion terms, expiration date, cycle boundaries, each cycle’s due date, requests. | C038–C043 |\n| Requested credit-balance refund | Receipt of qualifying written request for an existing credit balance. | **Seven business days**, using the applicable business-function test. | Credit-balance creation, request form/receipt, business-function schedule, intervening debits, refund. | C046–C052 |\n| Aged credit balance | Qualifying credit balance remains for **more than six months**. | Good-faith effort; not a fixed substitute mailing deadline derived here. | Age of remaining credit, prior efforts, permissible return channel, tracing evidence. | C053–C055 |\n\nThese clocks cannot be combined into a single “payment processing period.” In particular, a five-day nonconforming-payment rule is not a seven-business-day refund rule, and a mail-specific next-business-day definition does not supply the refund calendar. [Consumer Financial Protection Bureau+4](https://www.consumerfinance.gov/rules-policy/regulations/1026/10/?utm_source=chatgpt.com)\n\n## 5. Necessary generic model material\n\nThe complete G-18(H) model clause read was:\n\n“You must pay your promotional balance in full by [date] to avoid paying accrued interest charges.”\n\nThis is a generic disclosure of the promotion’s full-payment condition. It does not establish the date for an actual promotion, the amount needed to satisfy it, whether a payment arrived, or which billing cycles receive priority. The operative statement requirement comes from § 1026.7(b)(14), and allocation comes from § 1026.53. [Consumer Financial Protection Bureau+1](https://www.consumerfinance.gov/rules-policy/regulations/1026/g/?utm_source=chatgpt.com)\n\nG-18(D) was examined only as the official payment-information sample. The instructions explain its proximity purpose and permit distinguishing charge and revolving features. No actual creditor statement, generic creditor contract, or account-identifying document was queried. Full G-18(F)/(G) forms were not claimed as visually reviewed. [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/rules-policy/regulations/1026/g/?utm_source=chatgpt.com)\n\n## 6. Clearly hypothetical qualitative failure branches\n\n**All facts below are stipulated teaching assumptions.** There are no real or invented person, provider, account, property, or case identifiers. “Evidence needed” describes why an application would remain uncertain; it is not an instruction to search for, request, or obtain actual records.\n\n| Example | Stipulated facts | Provision-specific result versus unknown | Evidence needed | Adverse misclassification to avoid |\n| --- | --- | --- | --- | --- |\n| **E01 — Sent, not received** | A consumer mails a payment using the designated address; creditor receipt is not established. | Section 10’s receipt-based crediting date cannot be fixed from mailing alone. Whether a separate payment-procedure-change protection applies is also unknown. | Receipt evidence, method requirements, any relevant address change. | Treating a postmark as conclusive timely receipt. C014–C015, C030. |\n| **E02 — Conforming timely receipt** | A covered payment reaches the creditor before its valid cutoff, meets requirements, and is posted later. | It generally must be credited as of receipt. Later posting alone is not the violation. Whether the amount satisfies the minimum or avoids all interest remains separate. | Effective-credit date, amount required, resulting charges. | Equating posting delay with unlawful crediting, or timely minimum payment with interest forgiveness. C012–C014, C033. |\n| **E03 — Accepted nonconforming payment** | Requirements were properly specified with the statement; payment fails them, is accepted, and uses no promoted method. | The five-day receipt rule can apply; the commentary permits intervening finance-charge accrual in this branch. Actual charge legality beyond that remains unknown. | Requirements, defect, acceptance, receipt/credit dates. | Applying ordinary same-day effective crediting without testing the exception—or calling the allowance five business days. C021. |\n| **E04 — Promoted telephone channel** | A creditor advertises telephone payment, and a payment is made through it within the applicable conditions. | The promoted-method rule prevents treating it as nonconforming merely because it was not mailed with a stub. Actual completion/receipt still matters. | Promotion, call/payment completion, cutoff, effective credit. | Automatically granting five days because the payment was not mailed. C018, C020. |\n| **E05 — Minimum plus excess** | A covered account has two different-rate balances; payment exceeds the required minimum; no special exception applies. | Section 53 directs the excess by descending APR. It does not establish how the minimum portion was allocated. | Minimum, balance/rate schedule, reference-date practice. | Applying highest-rate-first to every dollar or assuming the minimum necessarily goes to the lowest rate. C034–C036. |\n| **E06 — Deferred-interest expiration** | A qualifying deferred-interest balance remains; the promotion expires before the due date in its expiration cycle; issuer does not accept allocation requests. | Comment 53(b)-2 changes which two cycles count and preserves priority for relevant preexpiration payments. No actual dates are computed. | Exact expiration, cycle boundaries, due dates, receipt/allocation history. | Counting “two months back” without the due-date relationship, or treating deferred accrual rate as the current ranking rate. C038–C041. |\n| **E07 — Equal-rate balances** | Two balances share an APR; a third bears a higher APR; no deferred-interest, secured-request, or dispute exception applies. | After required priority to the higher-rate balance, the commentary generally leaves the method among tied balances unspecified. | Rates at the issuer’s permitted reference date; other governing terms/law. | Calling every non-pro-rata tie allocation a § 53 violation. C036–C037. |\n| **E08 — Requested credit balance** | An actual credit balance exceeding $1 exists and a written refund request is received. | Section 11(a)(2)’s seven-business-day period applies, subject to the remaining credit balance when refund is required. No date is calculated. | Request receipt, creditor business functions, intervening debits, refund action. | Substituting seven calendar days, starting from request dispatch, or refunding an assumed original amount despite intervening activity. C046–C052. |\n| **E09 — Consumer cannot be located** | A qualifying balance remains more than six months; a statement address is stale, but no tracing effort is established. | Stale address alone does not establish the no-further-action condition. Positive good-faith steps remain material. Ultimate disposition under other law is unknown. | Efforts through last-known address/telephone, their results, remaining balance. | Treating returned mail as automatic creditor ownership. C053–C055. |\n| **E10 — Business-purpose card** | The card was issued for business purposes and occasionally used personally. | The commentary does not extend the consumer payment/allocation/refund rules merely because of those purchases. Contract or other-law protections are not decided. | Issuance purpose and governing legal classification. | Applying the full consumer-card regime transaction by transaction. C008. |\n| **E11 — Home-equity card access** | A § 1026.40 home-equity plan is accessed through a card. | It is excluded from the narrow § 53 account definition; general covered open-end crediting/refund duties are not thereby erased. | Plan classification, applicable general duties, security facts. | Applying § 53 automatically—or concluding that no payment rules apply. C005, C011. |\n| **E12 — Branch payment versus slot** | One payment is made with a teller before a qualifying branch closes; another is placed in a mail slot without employee assistance. | The first falls within the described in-person rule. The second does not obtain that treatment merely from being at the same building; other receipt rules still govern. | Assistance, location, acceptance policy, closing time, actual collection/receipt. | Treating every branch deposit as assisted in-person receipt. C022–C024. |\n| **E13 — Mail closure, electronic availability** | No mail is accepted on the due date, but the creditor accepts electronic payments that day; payment is made electronically the next business day. | Section 10(d)(2) does not require that electronic payment to be treated as timely merely because mail was closed. Other protections are not decided. | Channel availability, cutoff, due date, receipt. | Extending a mail-specific protection to every payment method. C026–C027. |\n| **E14 — Secured-balance request** | A covered not-home-secured card contains a secured balance; consumer affirmatively requests excess allocation to it. | Section 53(b)(2) allows the issuer to elect that allocation. Request alone does not compel it. | Security scope, request, issuer acceptance, default allocation if declined. | Treating all secured cards as excluded or treating the request as mandatory. C042–C044. |\n| **E15 — Qualifying disputed amount** | A stipulated qualifying § 12(c) claim or § 13 billing-error allegation affects part of a balance. | The allocation must avoid or minimize reducing that amount; the official example allows a residual application when nothing else remains. Merits and procedural compliance are not decided. | Qualifying dispute predicate, affected amount, other balances, final disposition. | Saying either “disputed amounts can never receive payment” or “highest rate always controls despite the dispute.” C045. |\n| **E16 — Closure and ledger adjustment** | An account closes with an asserted consumer credit; later activity may reduce that credit. | Closure alone supplies neither a refund exemption nor an immediate cash deadline under the examined rule. The amount actually owed, request trigger, and lawful intervening debits remain necessary. | Credit creation, valid later entries, request/age, closure terms, other law. | Equating closure with forfeiture, or assuming a settlement discount is refundable cash. C046, C052, C056–C057. |\n| **E17 — Payment procedure changed** | An issuer materially changes an accepted payment route; the change causes a late payment during the relevant period. | The § 10(f) branch must be tested, including the separate retail notice mechanism if applicable. Ordinary no-grace interest is not automatically a prohibited late-payment charge. | Effective change, causation, charge type, statement transmission, notice timing. | Treating every address change as a blanket 60-day payment holiday. C030–C032. |\n\n## 7. Blank generic document-audit worksheet\n\n**Every entry remains blank.** This is an analytical worksheet, not a request for actual documents or identifiers. No field authorizes a record search, contact, or account action.\n\n| Field | Blank entry | What the field would establish | Claim links |\n| --- | --- | --- | --- |\n| W01 — Applicable jurisdiction and source version | ______ | Federal version applicable to the event; other jurisdictions still held. | C061 |\n| W02 — Consumer/commercial purpose classification | ______ | Whether the consumer operational regime applies. | C001, C008 |\n| W03 — Plan and device type | ______ | Open-end/card/charge/non-card/hybrid distinction. | C002, C005–C007 |\n| W04 — Home or other security | ______ | Narrow account exclusion versus secured-balance option. | C005, C011, C044 |\n| W05 — High-value exemption history | ______ | Opening commitment, initial extension, later changes, relevant period’s threshold. | C009–C010 |\n| W06 — Relevant actor roles | ______ | Creditor, issuer, agent, creditor processor, consumer-selected payor. | C003–C004, C015, C029 |\n| W07 — Payment method | ______ | Mail, issuer website, telephone, transfer, assisted branch, other. | C014–C024 |\n| W08 — Stated receipt requirements | ______ | Reasonableness, statement specification, accepted media/location. | C018–C021 |\n| W09 — Creditor promotion of method | ______ | Conforming-method treatment. | C020 |\n| W10 — Receipt event and proof category | ______ | Receipt rather than dispatch, posting, or bank collection. | C013–C017 |\n| W11 — Instruction and authorized execution dates | ______ | Scheduled website payment distinction. | C016 |\n| W12 — Cutoff, specified location, time zone | ______ | Applicable permitted receipt cutoff. | C018, C022 |\n| W13 — Branch status, assistance, and closing time | ______ | Special in-person conditions. | C022–C024 |\n| W14 — Acceptance of nonconforming payment | ______ | Whether the five-day branch is available. | C021 |\n| W15 — Due-date mail acceptance and other channels | ______ | Channel-specific next-business-day rule. | C026–C027 |\n| W16 — Effective-credit date, posting date, available credit | ______ | Separating three operational events. | C013, C033 |\n| W17 — Charge caused by crediting delay and adjustment | ______ | Causation and next-cycle correction. | C025 |\n| W18 — Payment amount and required minimum | ______ | Whether an excess exists; no minimum formula assumed. | C034–C035 |\n| W19 — Separate balances and applicable rates | ______ | Allocation order at a permissible reference date. | C034, C036–C037 |\n| W20 — Issuer reference-date practice | ______ | Cycle-end/payment-date/intervening-date method and consistency. | C036 |\n| W21 — Deferred-interest terms and expiration | ______ | Actual deferred-interest predicate rather than label. | C038–C039 |\n| W22 — Cycle boundaries and payment due dates | ______ | Correct final-two-cycle treatment. | C040–C041 |\n| W23 — Consumer allocation request and issuer response | ______ | Affirmative request, acceptance conditions, usable instruction. | C042–C044 |\n| W24 — Qualifying disputed-amount flag | ______ | Whether the narrow payment-allocation interaction is implicated. | C045 |\n| W25 — Credit-balance creation and remaining amount | ______ | More-than-$1 trigger and consumer-credit accounting. | C046–C047, C052 |\n| W26 — Refund-request form and receipt | ______ | Written-request trigger; electronic-writing question if relevant. | C048, C050–C051 |\n| W27 — Creditor business-function calendar | ______ | Seven-business-day measurement inputs. | C049 |\n| W28 — Intervening debits and refund action | ______ | Remaining credit when refund is required. | C052 |\n| W29 — Age of remaining credit and prior efforts | ______ | More-than-six-month/early-attempt branches. | C053–C055 |\n| W30 — Last-known contact tracing and result | ______ | Good-faith/unlocated-consumer predicate. | C054–C055 |\n| W31 — Material payment-procedure change | ______ | Effective date, delay causation, retail notice branch. | C030–C032 |\n| W32 — Closure, contract, and remaining legal questions | ______ | Matters these provisions do not decide. | C056–C057, C060–C061 |\n\n## 8. Granular coverage register\n\n**“Answered” means answered at the generic legal scope and retrieved versions stated here.** It does not establish actual coverage or satisfy a parent acceptance gate. A next investigation listed below is limited to public legal authorities/generic materials; it does not authorize account, provider, or case-record investigation.\n\n| Coverage ID / assigned branch | Status and reason | Claim / example links | Exact missing authority or facts | Next bounded permissible investigation |\n| --- | --- | --- | --- | --- |\n| CV01 — Consumer/open-end gateway | Answered generically. | C001–C002 | Actual purpose, plan terms. | Additional public interpretation only if a particular product category is separately assigned. |\n| CV02 — Creditor/card issuer/agent | Answered generically. | C003 | Actual agency/issuer relationship. | Published legal treatment of a defined actor category, without entity searches. |\n| CV03 — Cardholder/joint/authorized user | Partial: necessary definition answered; liability and refund ownership excluded. | C004 | Agreement, assent, ownership, applicable contract law. | Separate generic joint-obligation/refund-ownership study. |\n| CV04 — General/store/secured/cash-advance/transfer labels | Answered for operational gateway only. | C007; E05, E14 | Actual plan and balance features. | Separate subtype-specific public-law pass if needed. |\n| CV05 — Charge cards | Answered for necessary inclusion and operational predicates. | C006 | Actual minimum/full-payment requirement and balances. | Charge-card lifecycle issues remain a separate assignment. |\n| CV06 — Home-secured exclusion versus general rules | Answered. | C005, C011; E11 | Actual § 40 classification. | Separate home-equity payment allocation/servicing law, without borrowing card rules. |\n| CV07 — Business/mixed use | Answered for the official card-use distinction. | C008; E10 | Issuance purpose and any actual conversion. | Narrow public mixed-purpose/conversion interpretation study if assigned. |\n| CV08 — Overdraft/hybrid-prepaid boundary | Partial: express exclusions/exception identified. | C005 | Full § 61 feature predicates and product facts. | Separate hybrid-prepaid classification pass. |\n| CV09 — High-value exemption | Answered for necessary 2026 and historical-route gates. | C009–C010 | Opening/initial-extension/commitment/security history. | Public historical-version study for a specified period, no account investigation. |\n| CV10 — Date of receipt versus posting | Answered. | C012–C014; E01–E02 | Actual receipt/effective credit. | No further generic authority necessary for the stated distinction. |\n| CV11 — Check collection and mailing | Answered; no postmark presumption invented. | C014; E01 | Receipt event. | Separate evidentiary-law inquiry only if authorized. |\n| CV12 — Third-party payor | Answered at comment’s scope. | C015 | Transfer medium, receipt, agency. | Generic payment-system law only for an expressly assigned unresolved method. |\n| CV13 — Issuer website/scheduled payment | Answered. | C016 | Authorized date and cutoff. | None for stated rule; factual application held. |\n| CV14 — Telephone payments | Answered for promoted conformity/cutoff/fee treatment; no universal call-date receipt rule asserted. | C018, C020, C028–C029; E04 | Completion and receipt method. | Narrow official interpretation of an assigned telephone mechanism if necessary. |\n| CV15 — Payroll deduction | Answered for specified voluntary arrangement only. | C017 | Voluntariness, retained use, debit date. | Full setoff/Regulation E/prepaid treatment excluded. |\n| CV16 — Reasonable requirements/location | Answered. | C018–C019 | Statement language and actual reasonableness. | Generic model instructions if a new requirements issue is assigned. |\n| CV17 — Creditor-promoted method | Answered. | C020; E04 | Promotion, cutoff compliance, receipt. | None for stated rule. |\n| CV18 — Accepted nonconforming payment | Answered. | C021; E03 | Specification, acceptance, defect, timing. | No actual tender investigation authorized. |\n| CV19 — Financial-institution branch | Answered. | C022; E12 | Financial-institution status, branch, closing. | Generic actor/category law only. |\n| CV20 — Retail/affiliate/mail-slot distinctions | Answered. | C023–C024; E12 | Actual relationship and assistance. | No provider/location lookup authorized. |\n| CV21 — Next-cycle charge adjustment | Answered narrowly. | C025 | Causation and billing cycle. | Remedies/awards remain excluded. |\n| CV22 — No-mail day and method exception | Answered. | C026–C027; E13 | Mail schedule and channel acceptance. | None for generic rule; no actual calendar calculation. |\n| CV23 — Payment-method fees | Answered at § 1637(l)/§ 10(e) scope. | C028–C029 | Live service, expedited crediting, processor role. | Other fee laws remain separate. |\n| CV24 — Material issuer procedure changes | Answered, including retail notice branch. | C030–C032; E17 | Change, causation, dates, charge type. | No full change-in-terms report rerun. |\n| CV25 — Available credit/forgiveness | Answered as limits of these provisions. | C033; E02 | Other law, agreement, payment finality. | Separate generic available-credit/payment-finality study if assigned. |\n| CV26 — Minimum versus excess | Answered. | C034–C035; E05 | Actual minimum and payment. | Minimum-payment law and formulas remain held. |\n| CV27 — Separate balances/rates/reference date | Answered. | C036 | Issuer practice and lawful rates. | Rate-change authority remains excluded. |\n| CV28 — Equal rates | Answered for explicit commentary scenario; all-identical inference identified. | C037; E07 | Other terms/law or exception. | Narrow tie-allocation authority if additional legal duties are separately assigned. |\n| CV29 — Deferred interest versus zero rate/grace | Answered. | C038–C039 | Actual promotion conditions. | No broad APR/grace-period rerun. |\n| CV30 — Last two cycles/expiration before due date | Answered. | C040–C041; E06 | Exact cycles, due dates, expiration. | No actual deadline calculation authorized. |\n| CV31 — Consumer request option/default | Answered. | C042–C043 | Affirmative instruction, issuer requirements/acceptance. | None for stated rule. |\n| CV32 — Secured-balance request | Answered at narrow federal scope. | C044; E14 | Security interest and request. | State security/contract effects remain excluded. |\n| CV33 — Disputed amount | Partial: allocation interaction answered; qualification/merits/resolution excluded. | C045; E15 | Full § 12(c)/§ 13 predicates and actual facts. | Separate billing-error/claims-and-defenses component. |\n| CV34 — Credit-balance meaning and dollar threshold | Answered. | C046–C047; E08 | Actual total balance/credits/debits. | No account accounting or settlement determination. |\n| CV35 — Written request and seven business days | Answered generically. | C048–C049; E08 | Request receipt, business-function calendar. | No actual deadline. |\n| CV36 — Electronic request as legally sufficient writing | Unresolved beyond the commentary’s permitted electronic-refund method. | C048, C050 | Applicable electronic-writing authority and form of communication. | Narrow public electronic-writing interpretation study; no request submission. |\n| CV37 — Oral requests/early refunds/standing orders | Answered. | C050–C051 | Actual method and existing/future balance distinction. | None for stated rules. |\n| CV38 — Intervening purchases/debits | Answered as refund-amount rule. | C052; E16 | Their validity and remaining credit. | Underlying transaction merits held. |\n| CV39 — More-than-six-month effort | Answered. | C053 | Credit age and efforts. | No funds tracing or actual account inquiry. |\n| CV40 — Last-known address/unlocated consumer | Answered at statutory/regulatory standard. | C054–C055; E09 | Adequacy and outcome of efforts. | Generic unclaimed-property/state law only in a separate authorized pass. |\n| CV41 — Balance of $1 or less | Answered as limit of this section; ultimate disposition unresolved. | C055 | Other applicable property law. | Separate jurisdiction-specific public-law study. |\n| CV42 — Closure/zero/unposted/dispute/discount | Partial: distinctions and textual limits answered; lifecycle/accounting consequences held. | C056–C057; E16 | Actual closure terms, lawful adjustments, other law. | Separate closure or accounting component. |\n| CV43 — Generic model clauses/instructions | Answered within declared read bounds. | C058–C059 | Actual applicable disclosure, not queried. | No need to retrieve unrelated forms. |\n| CV44 — Clock/proof comparison and worksheet | Answered as generic analytical framework. | C060; clock table; W01–W32 | All actual dates, documents, and proof. | Evidentiary/admissibility study only if separately authorized. |\n| CV45 — Current official statutory body and full amendment lag | Partial due retrieval failures and declared audit limit. | C061; S014–S016 | Successfully retrieved newer statutory body; complete subsequent amendment comparison. | Recheck public official bodies when accessible; compare published amendments and dated editions. |\n| CV46 — Parent product/lifecycle/legal dimensions | Excluded by assignment boundary. | Parent holds below | All unaddressed authorities and actual facts. | Separate bounded components; no parent closure inferred. |\n\n## 9. Question → claim/source crosswalk\n\n| Assigned question | Principal claims | Principal sources | Demonstration |\n| --- | --- | --- | --- |\n| **1. Necessary coverage and actors** | C001–C011 | S003, S005, S006–S008, S012 | E10–E12, E14; CV01–CV09 |\n| **2. Payment crediting and limits** | C012–C033 | S001, S004, S006, selected S009 | E01–E04, E12–E13, E17; crediting clock rows |\n| **3. Excess allocation and exceptions** | C034–C045 | S001, S007, selected S005/S009; historical S011 | E05–E07, E14–E15 |\n| **4. Credit-balance refunds and limits** | C046–C057 | S002, S008, business-day definition in S005 | E08–E09, E16 |\n| **5. Clocks, proof, generic material, worksheet, failure branches** | C058–C061 plus relevant operational claims | S005–S013; failure register S014–S017 | Clock table; G-18 discussion; E01–E17; W01–W32 |\n\n## 10. Read and failure log\n\n| Reading block | What was actually completed | What is not claimed |\n| --- | --- | --- |\n| Operative payment-crediting text | Complete § 1026.10(a)–(f), all accompanying inline official comments, and their examples. | No complete Regulation Z or Regulation E examination. |\n| Allocation | Complete § 1026.53 and its official comments, including minimum, reference date, ties, disputes, deferred expiration, secured balances, and request validity. | No lawful-APR determination, rate-change authority, or minimum-payment formula. |\n| Refunds | Complete § 1026.11(a) and its comments; related termination text distinguished. Complete § 1666d body recovered. | No estate-debt, unclaimed-property, security-deposit, or full closure dossier. |\n| Statutes | Complete § 1666c and § 1666d; necessary § 1602/1603 clauses; complete selected § 1637(l), (o). | No current House-body success or complete post-2024 session-law audit. |\n| Coverage commentary | Necessary definitions and consumer/business distinctions read; additional open-end threshold conditions recovered from the final rule. | No classification of any actual account or institution. |\n| Model material | G-18(H) text, G-18(D) image and explanatory instructions, selected F/G instructions. | No actual statement; no unseen complete F/G image review. |\n| Historical final rule | Effective/mandatory-compliance text and selected allocation explanation read. | No assertion that all 268 pages were read or that historical Part 226 is the current operative citation. |\n| 2026 threshold final rule | Effective date, 2026 threshold, and materially relevant open-end exemption commentary read. | No adoption of surrounding Regulation M/FCRA provisions appearing on shared pages. |\n| House failures | Eight alternate public routes recorded in S014. | Search results were not promoted to statutory body evidence. |\n| GovInfo format failures | Failed HTML routes recorded; relevant 2024 PDF bodies recovered. | Failed 2025 routes do not prove publication/nonpublication of a 2025 edition. |\n| eCFR Supplement I failure | Full-page retrieval exceeded size limit; necessary comments read through official agency presentations. | No complete eCFR Supplement I retrieval or full official annual CFR edition review. |\n| Version discrepancy | Initial § 11 packet’s April 21 banner distinguished from later October 23 packet. | No silent conflation of cache/version metadata. |\n| Unused material | Unopened secondary results, proposed-rule search results, ancillary § 1666j exploration, and the incomplete § 13 exploration were not foundations. | No withdrawal, repeal, litigation, or later-history conclusion derived from those discovery results. |\n\n## 11. Researcher self-check — not independent review\n\n| Check | Result |\n| --- | --- |\n| General open-end versus narrow card-account scope kept separate | Checked; C005–C011. |\n| Charge cards distinguished from commercial cards and home-equity access cards | Checked; no blanket inclusion/exclusion by marketing name. |\n| Receipt, posting, collection, and available credit separated | Checked; C013–C017, C033. |\n| No universal postmark rule or universal business-day definition | Checked. |\n| Five-day nonconforming allowance conditioned on specification, acceptance, and promoted-method exception | Checked. |\n| Minimum-payment allocation not inferred from excess-only rule | Checked; C035. |\n| Deferred interest distinguished from true zero-rate promotions and recurring grace periods | Checked. |\n| Final-two-cycle rule includes expiration-before-due-date interpretation | Checked; C041. |\n| Request option distinguished from issuer obligation; invalid preselection examples retained | Checked. |\n| Secured-balance and qualifying-dispute allocation branches retained | Checked. |\n| Credit-balance threshold strictly exceeds $1 | Checked; no “$1 or more” substitution. |\n| Written-request refund period and aged-balance effort separated | Checked. |\n| Unlocated-consumer limit does not become creditor ownership | Checked. |\n| Statute, regulation, official interpretation, model material, and historical final rule labeled distinctly | Checked. |\n| PDF text versus inspected image extent stated | Checked; no whole-form/pixel claim inferred from extraction. |\n| Actual account/person/provider/case searches, contacts, filings, purchases, account changes, or publication | None performed. |\n| Other reports, subagents, local coordinator files, hashes, or import records | None used or created for this investigation. |\n| Individual deadline, legal APR, award, liability, or creditworthiness calculation | None made. |\n| Currentness gaps preserved | Checked; no full current-edition/session-law audit claimed. |\n\n## 12. Specific parent holds and remaining limits\n\nThis pass preserves all actual agreement, account, receipt, assent, default, balance, rate-validity, payment-finality, ownership, security, and creditworthiness facts. It does not determine whether an actual payment satisfied a contractual obligation, whether a particular electronic request qualifies as a writing, whether an actual tracing effort was adequate, or who owns a refund on a joint or otherwise shared account.\n\nThe following remain outside this component: origination; underwriting; rate-change authority; general late-fee law beyond the necessary § 10 interactions; full billing-error resolution; credit reporting; setoff; collection; settlement; charge-off consequences; limitations; damages and remedies; litigation, standing, admissibility, or filing questions; taxes; insolvency; and state, local, tribal, international, and country-specific law.\n\nThe general/store/secured/charge/business/cash-advance/transfer/promotional/joint/closed-with-balance product families have been addressed **only to the extent needed for these payment operations**. Every other A009 product and lifecycle dimension remains open. The current House statutory-body retrieval gap and complete amendment-lag audit remain explicit source limitations.\n\n**No component, parent, operational, or publication acceptance is asserted.**\n\nEND R009 PASS-01\n\n","tables":[{"headers":["Subject","Supported finding","Boundary that must remain visible"],"index":0,"links":[],"row_links":[[],[],[],[],[],[],[],[],[]],"rows":[["Subject","Supported finding","Boundary that must remain visible"],["Crediting","Generally credit a payment as of receipt, with the exceptions in § 1026.10.","Posting, receipt, collection of a check, available credit, and debt forgiveness are different questions."],["Conforming payment","Reasonable requirements and method-specific cutoffs matter. A creditor-promoted method generally produces conforming payments when the applicable conditions are met.","The creditor cannot automatically invoke the nonconforming-payment delay for a method it promotes."],["Nonconforming payment","When qualifying requirements were specified on or with the statement and a nonconforming payment is accepted, crediting is generally required within five days of receipt.","The provision says “days,” not “business days”; it is not a universal five-day processing allowance."],["Excess allocation","Ordinarily allocate the amount above the required minimum to balances in descending APR order.","Minimum-payment allocation is not prescribed by this general excess-only rule."],["Deferred interest","Special treatment applies during the promotion, including priority near expiration.","A true zero-rate promotion and a recurring grace period are not automatically deferred-interest programs."],["Consumer allocation requests","Specified deferred-interest and secured-balance exceptions permit issuer acceptance of consumer instructions.","The issuer generally may decline a request and follow the applicable default rule."],["Credit balance","A qualifying credit balance exceeding $1 must be credited, with request-based and aged-balance refund duties.","An excess payment above the minimum, a zero balance, or a disputed merchant charge is not necessarily a refundable credit balance."],["Refund clocks","Written-request receipt starts the seven-business-day rule; more than six months of remaining credit balance triggers a good-faith effort.","These are different triggers. Neither supplies a universal immediate cash-refund rule on closure."]]},{"headers":["Source ID","Issuer/title and complete literal HTTPS URLs","Exact clauses and actual read bounds","Page / PDF index / image extent","Version, effective predicate, and currentness limit"],"index":1,"links":[{"href":"https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap41-subchapI-partD-sec1666c.htm?utm_source=chatgpt.com","text":"https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap41-subchapI-partD-sec1666c.htm"},{"href":"https://www.govinfo.gov/content/pkg/USCODE-2024-title15/pdf/USCODE-2024-title15-chap41-subchapI-partD-sec1666d.pdf?utm_source=chatgpt.com","text":"https://www.govinfo.gov/content/pkg/USCODE-2024-title15/pdf/USCODE-2024-title15-chap41-subchapI-partD-sec1666d.pdf"},{"href":"https://www.govinfo.gov/link/uscode/15/1666d?utm_source=chatgpt.com","text":"https://www.govinfo.gov/link/uscode/15/1666d"},{"href":"https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap41-subchapI-partA-sec1602.htm?utm_source=chatgpt.com","text":"https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap41-subchapI-partA-sec1602.htm"},{"href":"https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap41-subchapI-partA-sec1603.htm?utm_source=chatgpt.com","text":"https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap41-subchapI-partA-sec1603.htm"},{"href":"https://www.govinfo.gov/content/pkg/USCODE-2024-title15/pdf/USCODE-2024-title15-chap41-subchapI-partB-sec1637.pdf?utm_source=chatgpt.com","text":"https://www.govinfo.gov/content/pkg/USCODE-2024-title15/pdf/USCODE-2024-title15-chap41-subchapI-partB-sec1637.pdf"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/1/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1026/1/"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/2/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1026/2/"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/3/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1026/3/"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/10/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1026/10/"},{"href":"https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-B/section-1026.10","text":"https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-B/section-1026.10"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/53/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1026/53/"},{"href":"https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-G/section-1026.53","text":"https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-G/section-1026.53"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/11/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1026/11/"},{"href":"https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-B/section-1026.11","text":"https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-B/section-1026.11"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/5/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1026/5/"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/7/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1026/7/"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/16/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1026/16/"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/g/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1026/g/"},{"href":"https://files.consumerfinance.gov/eregulations/ER22DE11.026-2.png","text":"https://files.consumerfinance.gov/eregulations/ER22DE11.026-2.png"},{"href":"https://www.govinfo.gov/content/pkg/FR-2010-02-22/pdf/2010-624.pdf?utm_source=chatgpt.com","text":"https://www.govinfo.gov/content/pkg/FR-2010-02-22/pdf/2010-624.pdf"},{"href":"https://www.govinfo.gov/content/pkg/FR-2025-12-15/pdf/2025-22814.pdf?utm_source=chatgpt.com","text":"https://www.govinfo.gov/content/pkg/FR-2025-12-15/pdf/2025-22814.pdf"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/versions/10/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1026/versions/10/"}],"row_links":[[],[{"href":"https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap41-subchapI-partD-sec1666c.htm?utm_source=chatgpt.com","text":"https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap41-subchapI-partD-sec1666c.htm"}],[{"href":"https://www.govinfo.gov/content/pkg/USCODE-2024-title15/pdf/USCODE-2024-title15-chap41-subchapI-partD-sec1666d.pdf?utm_source=chatgpt.com","text":"https://www.govinfo.gov/content/pkg/USCODE-2024-title15/pdf/USCODE-2024-title15-chap41-subchapI-partD-sec1666d.pdf"},{"href":"https://www.govinfo.gov/link/uscode/15/1666d?utm_source=chatgpt.com","text":"https://www.govinfo.gov/link/uscode/15/1666d"}],[{"href":"https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap41-subchapI-partA-sec1602.htm?utm_source=chatgpt.com","text":"https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap41-subchapI-partA-sec1602.htm"},{"href":"https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap41-subchapI-partA-sec1603.htm?utm_source=chatgpt.com","text":"https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap41-subchapI-partA-sec1603.htm"}],[{"href":"https://www.govinfo.gov/content/pkg/USCODE-2024-title15/pdf/USCODE-2024-title15-chap41-subchapI-partB-sec1637.pdf?utm_source=chatgpt.com","text":"https://www.govinfo.gov/content/pkg/USCODE-2024-title15/pdf/USCODE-2024-title15-chap41-subchapI-partB-sec1637.pdf"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/1/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1026/1/"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/2/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1026/2/"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/3/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1026/3/"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/10/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1026/10/"},{"href":"https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-B/section-1026.10","text":"https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-B/section-1026.10"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/53/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1026/53/"},{"href":"https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-G/section-1026.53","text":"https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-G/section-1026.53"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/11/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1026/11/"},{"href":"https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-B/section-1026.11","text":"https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-B/section-1026.11"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/5/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1026/5/"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/7/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1026/7/"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/16/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1026/16/"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/g/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1026/g/"},{"href":"https://files.consumerfinance.gov/eregulations/ER22DE11.026-2.png","text":"https://files.consumerfinance.gov/eregulations/ER22DE11.026-2.png"}],[{"href":"https://www.govinfo.gov/content/pkg/FR-2010-02-22/pdf/2010-624.pdf?utm_source=chatgpt.com","text":"https://www.govinfo.gov/content/pkg/FR-2010-02-22/pdf/2010-624.pdf"}],[{"href":"https://www.govinfo.gov/content/pkg/FR-2025-12-15/pdf/2025-22814.pdf?utm_source=chatgpt.com","text":"https://www.govinfo.gov/content/pkg/FR-2025-12-15/pdf/2025-22814.pdf"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/versions/10/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1026/versions/10/"}]],"rows":[["Source ID","Issuer/title and complete literal HTTPS URLs","Exact clauses and actual read bounds","Page / PDF index / image extent","Version, effective predicate, and currentness limit"],["R009-P1-S001","GPO, 15 U.S.C. § 1666c, Prompt and fair crediting of payments. https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap41-subchapI-partD-sec1666c.htm","Fresh; complete operative subsections (a), (b)(1)–(2), and (c), plus displayed amendment/effective-date notes; HTML lines 9–44.","HTML; page/index N/A.","Official 2024 edition. The 2009-amendment note states nine months after May 22, 2009, except as otherwise specified. S011 independently establishes the relevant 2010 regulatory compliance date. Current House-body gap remains."],["R009-P1-S002","GPO, 15 U.S.C. § 1666d, Treatment of credit balances. https://www.govinfo.gov/content/pkg/USCODE-2024-title15/pdf/USCODE-2024-title15-chap41-subchapI-partD-sec1666d.pdf. Same text also recovered through https://www.govinfo.gov/link/uscode/15/1666d.","Fresh; complete § 1666d, including its three credit-creation categories, duties (A)–(C), and displayed 1980 amendment/transition notes; PDF text lines 26–63. Adjacent §§ 1666e–f were not adopted as additional research conclusions.","Printed 1542, PDF 0. Page image retrieved; the § 1666d block was inspected. No broader Code-volume image review.","Official 2024 edition established by the edition-specific URL; the generic link is duplicate access, not a second authority. Historical amendment note is not an account-specific effective-date calculation."],["R009-P1-S003","GPO, 15 U.S.C. §§ 1602 and 1603. https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap41-subchapI-partA-sec1602.htm; https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap41-subchapI-partA-sec1603.htm","Fresh selected bodies: § 1602(d)–(g), (i)–(j), (l), (n)–(o), and (s); § 1603(1) and (3), with surrounding exemption text read for context. No complete TILA-definition survey claimed.","HTML; N/A.","Official 2024 edition. The annually adjusted regulatory threshold is established separately by S005/S012; the statutory base amount is not presented as the 2026 threshold."],["R009-P1-S004","GPO, 15 U.S.C. § 1637, Open end consumer credit plans. https://www.govinfo.gov/content/pkg/USCODE-2024-title15/pdf/USCODE-2024-title15-chap41-subchapI-partB-sec1637.pdf","Fresh selected bodies: complete (l), payment-method fees, and (o)(1)–(2), due dates and mail nonreceipt days; text lines 907–915 and 942–951. Other § 1637 subjects are not findings of this pass.","Printed 1488, PDF 8; selected parsed text read, not page pixels.","Official 2024 edition; current statutory-body limitation applies."],["R009-P1-S005","CFPB, Regulation Z scope, definitions, exemptions. https://www.consumerfinance.gov/rules-policy/regulations/1026/1/; https://www.consumerfinance.gov/rules-policy/regulations/1026/2/; https://www.consumerfinance.gov/rules-policy/regulations/1026/3/","Fresh selected operative bodies and relevant inline interpretations: § 1(c); § 2(a)(4), (6)–(8), (10)–(12), (14)–(15), relevant (17), and (20); § 3(a), (b), especially comments 3(a)-1–3, -7, -9 and 3(b)-3–4. Remaining threshold commentary material recovered in S012.","HTML; N/A.","Publisher-marked current regulation; Part-version metadata in S013. This is a necessary coverage study, not every exemption or every hybrid-prepaid feature."],["R009-P1-S006","CFPB/OFR, 12 C.F.R. § 1026.10, Payments, with Supplement I. https://www.consumerfinance.gov/rules-policy/regulations/1026/10/; https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-B/section-1026.10","Fresh; complete (a)–(f) and all inline comments: 10(a)-1–2; 10(b)-1–7; 10(d)-1–2; 10(e)-1–4; 10(f)-1–5, including examples. CFPB body lines 56–166; eCFR operative body lines 103–133.","HTML; N/A.","CFPB current label; retrieved eCFR title banner through 2026-10-22. No particular-date posting mandate inferred."],["R009-P1-S007","CFPB/OFR, 12 C.F.R. § 1026.53, Allocation of payments, with Supplement I. https://www.consumerfinance.gov/rules-policy/regulations/1026/53/; https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-G/section-1026.53","Fresh; complete (a), (b)(1)(i)–(ii), (b)(2); complete comments 53-1–5 and 53(b)-1–3, including their examples and invalid-request examples. CFPB body lines 55–125; eCFR lines 103–110.","HTML; N/A.","CFPB current label; retrieved eCFR title banner through 2026-10-22. Comments 53-1–5 are section-level comments, not invented “53(a)” paragraph numbers."],["R009-P1-S008","CFPB/OFR, 12 C.F.R. § 1026.11, Treatment of credit balances; account termination, with Supplement I. https://www.consumerfinance.gov/rules-policy/regulations/1026/11/; https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-B/section-1026.11","Fresh; complete (a)(1)–(3) and comments 11(a)-1–2, 11(a)(2)-1, 11(a)(3)-1–2. Paragraph (b) and its comment read to distinguish termination. Estate-debt subsection (c) excluded from substantive analysis.","HTML; N/A.","Later retrieved eCFR packet through 2026-10-23; earlier packet displayed 2026-04-21 and is preserved as an access discrepancy, not silently treated as current."],["R009-P1-S009","CFPB, necessary adjacent provisions. https://www.consumerfinance.gov/rules-policy/regulations/1026/5/; https://www.consumerfinance.gov/rules-policy/regulations/1026/7/; https://www.consumerfinance.gov/rules-policy/regulations/1026/16/","Fresh selected text: comment 5(b)(2)(ii)-2, meaning of treating payment as late; 7(b)(13)–(14) and corresponding format comment; 16(h)(2) and comment 16(h)-1. Surrounding text was viewed, but broad statement-timing, advertising, and billing-dispute regimes are not adopted here.","HTML; N/A.","Agency current-label text, subject to S013 and the stated currentness limits."],["R009-P1-S010","CFPB, Appendix G, Open-End Model Forms and Clauses. https://www.consumerfinance.gov/rules-policy/regulations/1026/g/; G-18(D) image: https://files.consumerfinance.gov/eregulations/ER22DE11.026-2.png","Fresh; Appendix G comments 8–10, G-18(D) payment-information sample, and complete G-18(H) deferred-interest clause. G-18(F)/(G) instructions read, but their complete images were not inspected.","G-18(D): one image surface, no PDF page/index. G-18(H): HTML text. No unseen full-form review claimed.","Generic official model material, not evidence of any creditor’s contract, statement, rate, fee, or actual deadline."],["R009-P1-S011","Federal Reserve/GPO, Truth in Lending, final rule, 75 FR 7658, February 22, 2010. https://www.govinfo.gov/content/pkg/FR-2010-02-22/pdf/2010-624.pdf","Fresh selected reading: action/effective/mandatory-compliance text; allocation discussion beginning at § 226.53 and continuing through the minimum, rate-date, dispute, and equal-rate explanation. Not a read of all 268 pages.","Printed 7658, PDF 0, image inspected; selected text at 7726–7727, PDF 68–69. Other search-returned passages are not asserted as whole-page reads.","Historical final rule, not current Part 1026 text. Effective February 22, 2010; listed § 226.10 and §§ 226.51–58 had that mandatory compliance date. Used for historical implementation, not to override current text."],["R009-P1-S012","Federal Reserve/CFPB/GPO, Truth in Lending (Regulation Z), final rules; official interpretations, 90 FR 57882, December 15, 2025. https://www.govinfo.gov/content/pkg/FR-2025-12-15/pdf/2025-22814.pdf","Fresh selected reading: action/effective clause, 2026 threshold explanation, and operative CFPB comments 3(b)-3.xvii, -4, -6(i), -7, -8. Surrounding closed-end commentary was encountered but not made a new closed-end investigation.","Printed 57882–57883, PDF 0–1, selected text; 57887–57888, PDF 5–6, selected operative text. Image 5 inspected.","Final and effective January 1, 2026; states $73,400 for January 1–December 31, 2026. No future-year threshold inferred."],["R009-P1-S013","CFPB, All versions of 12 CFR Part 1026. https://www.consumerfinance.gov/rules-policy/regulations/1026/versions/10/","Fresh metadata reading, especially the current-version entry.","HTML; N/A.","Lists April 8, 2026 as current. A Part-level version index is not a section-specific amendment history, official annual CFR edition, or complete lag audit."]]},{"headers":["Source ID","Complete literal HTTPS URLs attempted","Actual result and effect"],"index":2,"links":[{"href":"https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section1666c&num=0&edition=prelim&utm_source=chatgpt.com","text":"https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section1666c&num=0&edition=prelim"},{"href":"https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section1666d&num=0&edition=prelim","text":"https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section1666d&num=0&edition=prelim"},{"href":"https://uscode.house.gov/us/usc/t15/s1666c/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/t15/s1666c/"},{"href":"https://uscode.house.gov/us/usc/t15/s1666d/","text":"https://uscode.house.gov/us/usc/t15/s1666d/"},{"href":"https://uscode.house.gov/view.xhtml?req=(title:15+section:1666c+edition:prelim)&utm_source=chatgpt.com","text":"https://uscode.house.gov/view.xhtml?req=%28title%3A15+section%3A1666c+edition%3Aprelim%29"},{"href":"https://uscode.house.gov/view.xhtml?req=%28title%3A15+section%3A1666d+edition%3Aprelim%29","text":"https://uscode.house.gov/view.xhtml?req=%28title%3A15+section%3A1666d+edition%3Aprelim%29"},{"href":"https://uscode.house.gov/us/usc/119-134/t15/s1666c/","text":"https://uscode.house.gov/us/usc/119-134/t15/s1666c/"},{"href":"https://uscode.house.gov/us/usc/119-134/t15/s1666d/","text":"https://uscode.house.gov/us/usc/119-134/t15/s1666d/"},{"href":"https://www.govinfo.gov/content/pkg/USCODE-2025-title15/html/USCODE-2025-title15-chap41-subchapI-partD-sec1666c.htm","text":"https://www.govinfo.gov/content/pkg/USCODE-2025-title15/html/USCODE-2025-title15-chap41-subchapI-partD-sec1666c.htm"},{"href":"https://www.govinfo.gov/content/pkg/USCODE-2025-title15/html/USCODE-2025-title15-chap41-subchapI-partD-sec1666d.htm","text":"https://www.govinfo.gov/content/pkg/USCODE-2025-title15/html/USCODE-2025-title15-chap41-subchapI-partD-sec1666d.htm"},{"href":"https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap41-subchapI-partD-sec1666d.htm","text":"https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap41-subchapI-partD-sec1666d.htm"},{"href":"https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap41-subchapI-partB-sec1665d.htm","text":"https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap41-subchapI-partB-sec1665d.htm"},{"href":"https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap41-subchapI-partD-sec1666j.htm","text":"https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap41-subchapI-partD-sec1666j.htm"},{"href":"https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap41-subchapI-partB-sec1637.htm","text":"https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap41-subchapI-partB-sec1637.htm"},{"href":"https://www.ecfr.gov/current/title-12/chapter-X/part-1026/appendix-Supplement%20I%20to%20Part%201026?utm_source=chatgpt.com","text":"https://www.ecfr.gov/current/title-12/chapter-X/part-1026/appendix-Supplement%20I%20to%20Part%201026"},{"href":"https://www.govinfo.gov/content/pkg/USCODE-2024-title15/pdf/USCODE-2024-title15-chap41-subchapI-partD-sec1666j.pdf?utm_source=chatgpt.com","text":"https://www.govinfo.gov/content/pkg/USCODE-2024-title15/pdf/USCODE-2024-title15-chap41-subchapI-partD-sec1666j.pdf"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/13/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1026/13/"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/interp-10/","text":"https://www.consumerfinance.gov/rules-policy/regulations/1026/interp-10/"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/interp-11/","text":"https://www.consumerfinance.gov/rules-policy/regulations/1026/interp-11/"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/interp-53/","text":"https://www.consumerfinance.gov/rules-policy/regulations/1026/interp-53/"},{"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/"}],"row_links":[[],[{"href":"https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section1666c&num=0&edition=prelim&utm_source=chatgpt.com","text":"https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section1666c&num=0&edition=prelim"},{"href":"https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section1666d&num=0&edition=prelim","text":"https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section1666d&num=0&edition=prelim"},{"href":"https://uscode.house.gov/us/usc/t15/s1666c/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/t15/s1666c/"},{"href":"https://uscode.house.gov/us/usc/t15/s1666d/","text":"https://uscode.house.gov/us/usc/t15/s1666d/"},{"href":"https://uscode.house.gov/view.xhtml?req=(title:15+section:1666c+edition:prelim)&utm_source=chatgpt.com","text":"https://uscode.house.gov/view.xhtml?req=%28title%3A15+section%3A1666c+edition%3Aprelim%29"},{"href":"https://uscode.house.gov/view.xhtml?req=%28title%3A15+section%3A1666d+edition%3Aprelim%29","text":"https://uscode.house.gov/view.xhtml?req=%28title%3A15+section%3A1666d+edition%3Aprelim%29"},{"href":"https://uscode.house.gov/us/usc/119-134/t15/s1666c/","text":"https://uscode.house.gov/us/usc/119-134/t15/s1666c/"},{"href":"https://uscode.house.gov/us/usc/119-134/t15/s1666d/","text":"https://uscode.house.gov/us/usc/119-134/t15/s1666d/"}],[{"href":"https://www.govinfo.gov/content/pkg/USCODE-2025-title15/html/USCODE-2025-title15-chap41-subchapI-partD-sec1666c.htm","text":"https://www.govinfo.gov/content/pkg/USCODE-2025-title15/html/USCODE-2025-title15-chap41-subchapI-partD-sec1666c.htm"},{"href":"https://www.govinfo.gov/content/pkg/USCODE-2025-title15/html/USCODE-2025-title15-chap41-subchapI-partD-sec1666d.htm","text":"https://www.govinfo.gov/content/pkg/USCODE-2025-title15/html/USCODE-2025-title15-chap41-subchapI-partD-sec1666d.htm"},{"href":"https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap41-subchapI-partD-sec1666d.htm","text":"https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap41-subchapI-partD-sec1666d.htm"},{"href":"https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap41-subchapI-partB-sec1665d.htm","text":"https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap41-subchapI-partB-sec1665d.htm"},{"href":"https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap41-subchapI-partD-sec1666j.htm","text":"https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap41-subchapI-partD-sec1666j.htm"},{"href":"https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap41-subchapI-partB-sec1637.htm","text":"https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap41-subchapI-partB-sec1637.htm"}],[{"href":"https://www.ecfr.gov/current/title-12/chapter-X/part-1026/appendix-Supplement%20I%20to%20Part%201026?utm_source=chatgpt.com","text":"https://www.ecfr.gov/current/title-12/chapter-X/part-1026/appendix-Supplement%20I%20to%20Part%201026"}],[{"href":"https://www.govinfo.gov/content/pkg/USCODE-2024-title15/pdf/USCODE-2024-title15-chap41-subchapI-partD-sec1666j.pdf?utm_source=chatgpt.com","text":"https://www.govinfo.gov/content/pkg/USCODE-2024-title15/pdf/USCODE-2024-title15-chap41-subchapI-partD-sec1666j.pdf"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/13/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1026/13/"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/interp-10/","text":"https://www.consumerfinance.gov/rules-policy/regulations/1026/interp-10/"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/interp-11/","text":"https://www.consumerfinance.gov/rules-policy/regulations/1026/interp-11/"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/interp-53/","text":"https://www.consumerfinance.gov/rules-policy/regulations/1026/interp-53/"},{"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/"}]],"rows":[["Source ID","Complete literal HTTPS URLs attempted","Actual result and effect"],["R009-P1-S014","House current/preliminary routes: a. https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section1666c&num=0&edition=prelim; b. https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section1666d&num=0&edition=prelim; c. https://uscode.house.gov/us/usc/t15/s1666c/; d. https://uscode.house.gov/us/usc/t15/s1666d/; e. https://uscode.house.gov/view.xhtml?req=%28title%3A15+section%3A1666c+edition%3Aprelim%29; f. https://uscode.house.gov/view.xhtml?req=%28title%3A15+section%3A1666d+edition%3Aprelim%29; g. https://uscode.house.gov/us/usc/119-134/t15/s1666c/; h. https://uscode.house.gov/us/usc/119-134/t15/s1666d/","a–b and f returned fetch/404 failures; c–d and g–h were inaccessible through the tool; e returned a maintenance page. Newer compilation descriptions appeared in search results but were discovery only. Current House operative bodies not recovered."],["R009-P1-S015","GovInfo unsuccessful HTML routes: a. https://www.govinfo.gov/content/pkg/USCODE-2025-title15/html/USCODE-2025-title15-chap41-subchapI-partD-sec1666c.htm; b. https://www.govinfo.gov/content/pkg/USCODE-2025-title15/html/USCODE-2025-title15-chap41-subchapI-partD-sec1666d.htm; c. https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap41-subchapI-partD-sec1666d.htm; d. https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap41-subchapI-partB-sec1665d.htm; e. https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap41-subchapI-partD-sec1666j.htm; f. https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap41-subchapI-partB-sec1637.htm","All returned inaccessible results. a–b did not establish a 2025 edition. c and f were recovered in edition-specific PDFs. d was an unsuccessful exploratory citation route and supplies no conclusion. e was followed by the PDF in S017; it was not the payment-method-fee authority. Correct fee authority was recovered in § 1637(l), S004."],["R009-P1-S016","OFR, full Supplement I: https://www.ecfr.gov/current/title-12/chapter-X/part-1026/appendix-Supplement%20I%20to%20Part%201026","Retrieval failed because content exceeded the tool’s size limit. This was not treated as absence of official commentary. Necessary comments were read in the CFPB section bodies; additional threshold text was read in S012."],["R009-P1-S017","Auxiliary opened routes: https://www.govinfo.gov/content/pkg/USCODE-2024-title15/pdf/USCODE-2024-title15-chap41-subchapI-partD-sec1666j.pdf; https://www.consumerfinance.gov/rules-policy/regulations/1026/13/; https://www.consumerfinance.gov/rules-policy/regulations/1026/interp-10/; https://www.consumerfinance.gov/rules-policy/regulations/1026/interp-11/; https://www.consumerfinance.gov/rules-policy/regulations/1026/interp-53/; https://www.consumerfinance.gov/rules-policy/regulations/1026/interp-3/","§ 1666j’s selected text concerned state-law applicability and was not used as the fee rule or as a state-law analysis. § 13 was opened/searched but not used as a completed billing-error investigation. Standalone interpretation routes were navigation/duplicate access; the complete payment/refund/allocation comment readings claimed above are the integrated bodies in S006–S008. No separate corroboration count."]]},{"headers":["Claim ID","Area and precise claim","Trigger, conditions, exceptions","Source pinpoint","Status / limit"],"index":3,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Claim ID","Area and precise claim","Trigger, conditions, exceptions","Source pinpoint","Status / limit"],["R009-P1-C001","Consumer coverage depends on credit primarily for personal, family, or household purposes.","The statutory consumer-transaction definition refers to a natural person; regulatory cardholder and specified trust rules require their own treatment. A consumer-facing label alone is insufficient.","S003, § 1602(i); S005, § 2(a)(11)–(12), comments 2(a)(11)-1, -3 and 2(a)(12)-1.","S/R; actual purpose and status U."],["R009-P1-C002","Open-end credit ordinarily requires a plan contemplating repeated transactions, possible finance charges on unpaid balances, and generally replenishing credit.","All three regulatory criteria matter. Card-issuer provisions also bring specified no-finance-charge and closed-end card arrangements within relevant Subpart B rules; “not ordinary revolving credit” is not a universal exclusion from §§ 10–11.","S003, § 1602(g), (j); S005, § 2(a)(17)(iii)–(iv), (20), comments 2(a)(17)(iii)-1, 2(a)(17)(iv)-1, 2(a)(20)-1–5.","S/R; specialized closed-end applications otherwise held."],["R009-P1-C003","A card issuer is the issuer or its agent with respect to the card; “creditor” has provision-specific routes.","Mere card production or data processing does not alone establish agency. Section 10(e) separately expands its own creditor definition to specified payment processors.","S003, § 1602(g), (o); S005, § 2(a)(7), (17), comment 2(a)(7)-1; S006, § 10(e).","S/R; agency and actual creditor status U."],["R009-P1-C004","Regulatory cardholder status can include a natural person agreeing with the issuer to pay consumer-card obligations issued to another.","The commentary distinguishes a co-obligor/guarantor from a merely authorized user. This definition does not itself decide contract liability, joint ownership, or entitlement to a particular refund.","S005, § 2(a)(8), comment 2(a)(8)-1–4.","R; liability/refund ownership U."],["R009-P1-C005","The narrow covered-credit-card-account definition excludes a § 1026.40 home-equity plan accessed by a card and the specified overdraft lines.","The account-number overdraft exclusion has an express exception for a hybrid prepaid-credit card accessing a covered separate credit feature. A debit card without a credit feature is not automatically a credit card.","S005, § 2(a)(15)(i)–(ii), comments 2(a)(15)-2 and -4.","R; full hybrid-prepaid classification held."],["R009-P1-C006","A charge card is a credit card for which no periodic rate computes a finance charge; references to covered card accounts in Subparts B and G generally include charge cards.","Particular sections contain express distinctions. Section 53 still requires an actual excess amount and allocable balances; no interest-bearing balance is invented for a charge card.","S005, § 2(a)(15)(iii), comment 2(a)(15)-3; S007, § 53(a).","R/I; product features U."],["R009-P1-C007","General-purpose, store, cash-advance, balance-transfer, promotional, and non-home-secured secured-card labels do not independently displace the core coverage tests.","The actual plan, access device, consumer purpose, security, balances, and exemptions control. A secured balance can expressly fall within § 53(b)(2).","S005, § 2(a)(15), (20); S007, § 53(a), (b)(2), comment 53-5.","I anchored in R; no comprehensive subtype acceptance."],["R009-P1-C008","Business-purpose cards do not acquire these consumer operational protections merely through occasional personal use; consumer-purpose cards do not lose them through occasional business use.","Section 3(a)’s commercial/organizational exclusions and the limited § 12(a)–(b) exceptions must be distinguished. Those exceptions are not a general extension of §§ 10, 11, or 53 to business cards.","S003, § 1603(1); S005, § 3(a), comments 3-1, 3(a)-2 and 2(a)(8)-4.","S/R; actual mixed-purpose classification U."],["R009-P1-C009","The high-value exemption can matter even to an open-end account. The 2026 threshold is $73,400.","The relevant route is an initial extension exceeding the then-applicable threshold or a qualifying firm written commitment at opening—not merely a later displayed balance. Real-property/principal-dwelling security and private-education exceptions must be respected.","S005, § 3(b)(1), comment 3(b)-3.xvii; S012, comments 3(b)-4.i and -6(i).","R; threshold effective Jan. 1–Dec. 31, 2026; actual exemption U."],["R009-P1-C010","An exemption’s history matters: initial-extension and firm-commitment routes do not have identical persistence rules.","Reduction of a qualifying commitment can end that route; a qualifying initial extension can preserve exemption despite later reductions. Combining smaller advances is not the same as the specified single initial advance. Later real-property/principal-dwelling security can end an open-end exemption.","S012, comments 3(b)-4.ii–iv, -6(i), -7; legacy transition in -8.","R; no actual opening/history determination."],["R009-P1-C011","Exclusion from § 53’s narrow account category does not automatically eliminate general open-end crediting or credit-balance duties.","A covered home-equity line or non-card open-end plan can remain subject to general § 10 and § 11(a) requirements, while § 10(b)(3), § 10(e), and § 53 have their narrower express scopes.","S005, § 2(a)(15)(ii), (17), (20); S006–S008, respective operative clauses.","R; no wholesale application of card-specific rules to HELOCs."]]},{"headers":["Claim ID","Area and precise claim","Trigger, conditions, exceptions","Source pinpoint","Status / limit"],"index":4,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Claim ID","Area and precise claim","Trigger, conditions, exceptions","Source pinpoint","Status / limit"],["R009-P1-C012","Section 1666c(a) requires prompt posting as specified by regulation and protection against a finance charge when its stated payment conditions are met.","Receipt in readily identifiable form by 5 p.m. on the due date, in the amount, manner, and location indicated to avoid the charge. This is not a rule that every timely minimum payment prevents all interest.","S001, § 1666c(a).","S; read with implementing regulation."],["R009-P1-C013","Section 10(a) generally requires crediting as of receipt, not posting on one particular date.","Exceptions: delay produces no finance or other charge, or paragraph (b) applies. Posting date alone therefore does not establish a crediting violation.","S006, § 10(a), comment 10(a)-1.","R."],["R009-P1-C014","A check is received when it reaches the creditor, rather than when the funds are collected.","Sending or postmarking is not the identified receipt event. Applicable requirements and cutoffs still matter.","S006, comment 10(a)-2.i; § 10(b).","R/I; no universal postmark rule."],["R009-P1-C015","With a consumer-selected third-party payor, receipt generally occurs when the creditor receives that payor’s check or transfer medium.","The payment must satisfy applicable § 10(b) requirements. An instruction to another bank is not automatically receipt by the creditor.","S006, comment 10(a)-2.iii.","R; actual transfer/agency facts U."],["R009-P1-C016","An issuer-website payment is received on the date the consumer authorizes the issuer to effect it.","Advance scheduling does not move receipt to the earlier instruction date. An immediate instruction received after 5 p.m. or a later specified cutoff is deemed authorized for the next business day.","S006, comment 10(a)-2.iv.","R; exact method, authorization date, cutoff, and calendar U."],["R009-P1-C017","The specified voluntary payroll arrangement uses the debit from the asset account as receipt, not the earlier payroll deposit.","Consumer retains use until the contractual payment date; the commentary separately describes the covered hybrid-prepaid arrangement. This does not establish general setoff or compulsory-autopay authority.","S006, comment 10(a)-2.ii.","R; cross-referenced setoff/prepaid regimes held."],["R009-P1-C018","A creditor may prescribe reasonable requirements enabling most consumers to conform.","Examples include an account locator/stub, checks or money orders by mail, U.S. dollars, and a specified address. Ordinary mail/electronic/telephone/in-person cutoffs may not be earlier than 5 p.m. on the due date at the specified receipt location, subject to the branch exception.","S006, § 10(b)(1)–(2).","R; no universal consumer-local-time assumption."],["R009-P1-C019","If requirements were not specified, the commentary supplies implied payment guidelines.","Payment at business locations during normal business hours; cash, money order, draft, similar negotiable instrument, or agreed electronic transfer. Comment 10(b)-1 separately flags possible compulsory-EFT restrictions.","S006, comments 10(b)-1 and -4.","R; full Regulation E analysis excluded."],["R009-P1-C020","Creditor-promoted payment methods are treated as conforming under § 10(b)(4)(ii).","Promotion can encompass website, telephone, in-person, or specified third-party channels. Applicable permitted cutoffs remain relevant; conformity does not independently prove receipt.","S006, § 10(b)(4)(ii), comment 10(b)-2.i–iv.","R."],["R009-P1-C021","An accepted nonconforming payment generally must be credited within five days of receipt.","Qualifying requirements must have been specified on or with the periodic statement. Promoted-method treatment can defeat the asserted nonconformity. Commentary permits finance-charge accrual between receipt and crediting in this branch.","S006, § 10(b)(4)(i)–(ii), comment 10(b)-3.","R; no general duty to accept every defective tender inferred."],["R009-P1-C022","Qualifying in-person payments at a financial-institution issuer’s branch/office count as received that day when made before close of business.","Covered not-home-secured consumer card account; accepted branch location; financial institution means bank, savings association, or credit union. Closing time controls, including an earlier-than-5-p.m. closing.","S006, § 10(b)(3)(i)–(ii).","R."],["R009-P1-C023","A merchant retail location is not automatically the issuing financial institution’s branch or office.","The commentary specifically addresses merchant-limited and cobranded cards. A merchant payment may still be conforming under other provisions.","S006, comment 10(b)-5; § 10(b)(4)(ii).","R."],["R009-P1-C024","Employee assistance and affiliate relationships affect the in-person branch rule.","Teller/employee-assisted payment qualifies; a branch mail slot does not qualify as in-person under this rule. A same-name affiliate accepting issuer-account payments is covered by the stated affiliate interpretation.","S006, comments 10(b)-6–7.","R; factual relationship U."],["R009-P1-C025","Improperly delayed crediting that causes finance or other charges requires an account adjustment during the next billing cycle.","The failure must violate § 10(a) or (b) and result in the charges described. This is the section’s account-adjustment duty, not a damages award or complete remedies analysis.","S006, § 10(c).","R."],["R009-P1-C026","If the creditor does not receive or accept mail payments on the due date, the next-mail-business-day protection generally applies.","For § 10(d), that next business day means the next day the creditor accepts or receives payments by mail. This is not a universal Monday–Friday definition.","S004, § 1637(o)(2); S006, § 10(d)(1), comment 10(d)-1.","S/R."],["R009-P1-C027","A mail-closure extension does not necessarily extend a different payment channel.","If electronic or telephone payments are accepted on the due date, payments made by that channel the next business day need not be treated as timely under § 10(d)(2). Ordinary periodic interest on a no-grace account is not, by itself, late treatment.","S006, § 10(d)(2), comment 10(d)-2; S009, comment 5(b)(2)(ii)-2.","R; other timing protections not decided."],["R009-P1-C028","A separate fee for making a payment is generally prohibited on the specified covered card accounts unless the stated expedited-service exception applies.","Section 1637(l) supplies the statutory rule; § 10(e) uses the narrow not-home-secured account category and includes a processor acting for the creditor. A late charge is not classified as this separate payment-method fee merely because payment was late.","S004, § 1637(l); S006, § 10(e), comments 10(e)-1, -4.","S/R; general late-fee legality held."],["R009-P1-C029","The § 10(e) exception requires expedited service involving a live representative or agent.","Expedited means same-day crediting, or next-business-day crediting after cutoff. Automated-only service is not a representative; mixed live/automated service may qualify. A consumer’s own transfer service/bill-pay bank is not thereby the creditor’s processor.","S006, comments 10(e)-2–4.","R; exception is not an all-law permission to charge."],["R009-P1-C030","A material issuer change in payment address/procedures can prohibit late-payment fees or finance charges during the specified 60-day period.","Required causal link: the change causes material delay. A harmless address-format change or continued successful acceptance at the former address does not establish that predicate.","S001, § 1666c(c); S006, § 10(f), comments 10(f)-1–4.","S/R; change date and causation U."],["R009-P1-C031","The retail-location interpretation has a specific notice-based correction mechanism.","If the issuer uses that treatment, notice must reach it no later than 60 days after transmission of the first statement reflecting the affected charge; qualifying charges imposed in the change’s 60-day period must be waived, removed, or equivalently credited.","S006, comment 10(f)-3.ii, -4.vi.","R; the two 60-day triggers must not be merged."],["R009-P1-C032","Section 10(f)’s safe harbor and late-payment-charge concept have limits.","The issuer may avoid affected charges for the specified period; waiver/removal/equivalent credit counts. Ordinary periodic interest on an account without a grace period is not automatically a finance charge “for a late payment.”","S006, comments 10(f)-3.i and -5.","R."],["R009-P1-C033","The crediting provisions do not themselves establish instantaneous restoration of available credit, cancellation of debt, or a particular allocation of the payment.","This is a limitation of the provisions examined. Other contract, funds-availability, payment-system, or legal requirements may matter.","S006, § 10; S005, comment 2(a)(20)-5; S007–S008.","I; broader duties U."]]},{"headers":["Claim ID","Area and precise claim","Trigger, conditions, exceptions","Source pinpoint","Status / limit"],"index":5,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Claim ID","Area and precise claim","Trigger, conditions, exceptions","Source pinpoint","Status / limit"],["R009-P1-C034","On a covered card account, the ordinary rule allocates excess above the required minimum first to the highest-APR balance, then other balances in descending APR order.","Subject to § 53(b) and official dispute-related interpretation. Product coverage must first be established.","S001, § 1666c(b)(1); S007, § 53(a).","S/R."],["R009-P1-C035","Section 53 does not prescribe the amount of the required minimum or generally dictate how that minimum is allocated.","The issuer remains subject to other applicable law and regulatory guidance. Voluntarily using the excess-payment method for the minimum is permitted where otherwise consistent.","S007, comment 53-1.","R; minimum-setting/allocation law otherwise held."],["R009-P1-C036","The issuer may use rates and balances from the preceding cycle’s end, the payment-crediting date, or a date between.","The selection generally must be consistent between cycles, although adjustments from time to time are permitted. This does not authorize a rate change or prove the selected APR lawful.","S007, comment 53-2 and examples.","R; actual valuation practice and lawful rate U."],["R009-P1-C037","The commentary generally prescribes no particular allocation among tied-rate balances when at least one other balance has a different rate.","Tied balances may be treated together or separately. If all rates are identical, the descending-rate rule itself supplies no differential ranking; that last point is a textual inference, subject to special rules and other law.","S007, comment 53-4, example 53-5.iv; § 53(a).","R for specified tie case; I for all-identical-rate observation."],["R009-P1-C038","Deferred-interest treatment depends on interest accruing but being avoidable, waived, or refunded through full payment by the specified expiration.","Applies regardless of required interim payments. A recurring grace period is excluded. A temporary zero APR is not enough unless interest accrued during the period can become payable.","S007, comment 53(b)-1; S009, § 16(h)(2), comment 16(h)-1.","R; promotional label alone insufficient."],["R009-P1-C039","During the relevant deferred-interest period, the balance is treated as having a zero APR for § 53 allocation.","Consequently, equal nominal accrual rates do not necessarily create tied allocation rates. The expiration-period exception remains applicable.","S007, comment 53-4.","R; not a finding that no interest is accruing."],["R009-P1-C040","In the default deferred-interest branch, excess goes first to that balance during the two billing cycles immediately preceding expiration; remainder follows § 53(a).","Outside that period, ordinary allocation applies, unless a permitted consumer-request allocation is used. The statutory “entire excess” language is implemented with an express rule for any remainder after the deferred balance is satisfied.","S001, § 1666c(b)(2); S007, § 53(b)(1)(i)–(ii).","S/R; no assumption that “two cycles” equals two calendar months."],["R009-P1-C041","Expiration before a cycle’s payment due date changes which cycles count.","That expiration cycle is not one of the two immediately preceding cycles under comment 53(b)-2. Its example gives priority in the preceding two cycles and in the preexpiration portion of the expiration cycle.","S007, comment 53(b)-2; S005, § 2(a)(4).","R; actual cycle/due/expiration dates U."],["R009-P1-C042","The issuer is generally not required to follow a consumer’s allocation request.","It may decline requests generally or for failure to meet its requirements, provided default allocation complies with § 53(a) or (b)(1)(i). Missing or unusable requests likewise require default allocation unless corrected.","S007, § 53(b)(1)(ii), comment 53(b)-3.i.","R; no general request-based override."],["R009-P1-C043","A qualifying request must be an affirmative consumer instruction, not merely issuer-imposed or preselected language.","Commentary recognizes oral/electronic/written instructions, purpose-built submitted forms, and requests to reallocate a prior payment. Preprinted assent, untouched preselected boxes, and conditioning features/services on an allocation are insufficient examples. Issuer acceptance requirements remain relevant.","S007, comment 53(b)-3.ii–iii.","R."],["R009-P1-C044","For a secured balance on a covered not-home-secured card account, the issuer may elect to allocate excess to that balance if the consumer requests it.","This is the specific secured-balance option, not a requirement to comply or permission to import § 53 into a home-equity plan.","S007, § 53(b)(2), comment 53(b)-3.","R; existence and reach of security interest U."],["R009-P1-C045","A qualifying § 12(c) claim/defense or § 13 billing-error allegation affects payment allocation.","The issuer must avoid or minimize reducing the disputed amount. The official example permits residual application to it when no other amounts remain; a subsequently established billing error still requires the identified correction. Not every informal complaint is assumed to meet the referenced provisions.","S007, comment 53-3.i–ii.","R; dispute qualification, merits, procedures, and remedies held."]]},{"headers":["Claim ID","Area and precise claim","Trigger, conditions, exceptions","Source pinpoint","Status / limit"],"index":6,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Claim ID","Area and precise claim","Trigger, conditions, exceptions","Source pinpoint","Status / limit"],["R009-P1-C046","The credit-balance rule is triggered by a credit balance in excess of $1, created through the specified categories.","Categories include funds above the total balance due, rebates of unearned finance charges/insurance premiums, and amounts otherwise owed to or held for the consumer. An excess above the minimum alone does not establish this.","S002, § 1666d opening clause; S008, § 11(a).","S/R; actual ledger balance U."],["R009-P1-C047","A qualifying credit balance must be credited to the consumer’s account.","This is separate from the request-based refund and aged-balance effort. The provision does not make cash refund immediate in every case.","S002, § 1666d(A); S008, § 11(a)(1).","S/R."],["R009-P1-C048","The statute requires refund upon request; the regulation specifies refund of the remaining credit balance within seven business days after receipt of a written request.","The written-request and seven-business-day details appear in the regulation, not the statutory wording. Whether a particular electronic communication legally constitutes the required writing is not determined here.","S002, § 1666d(B); S008, § 11(a)(2).","S/R; request form/receipt U."],["R009-P1-C049","The ordinary § 2(a)(6) business-function definition governs the § 11(a)(2) period.","It asks when the creditor’s offices are open to the public for substantially all business functions; limited bill-payment/deposit services alone do not establish that. Section 10(d)’s mail-specific definition is not imported.","S005, § 2(a)(6), comment 2(a)(6)-1; S008, § 11(a)(2).","R; no calendar calculated."],["R009-P1-C050","A creditor may satisfy the obligation earlier, including by immediate refund, refund before written request, or refund on oral/electronic request.","These permitted compliance methods do not erase the mandatory written-request trigger or establish that every oral request starts the same seven-business-day clock.","S008, comment 11(a)-1.i–iii.","R; electronic-writing characterization held."],["R009-P1-C051","The creditor need not honor standing orders requesting refunds of future credit balances.","This concerns prospective standing orders; it is not a general exception to a qualifying request for an existing credit balance.","S008, comment 11(a)(2)-1.","R."],["R009-P1-C052","Refund amount is the remaining credit balance at the time refund is required.","Intervening purchases or other debits, including amounts not yet shown on a periodic statement, may decrease or eliminate it. Their underlying validity is not established merely by appearing in a ledger.","S008, comment 11(a)-2.","R/I; debit validity U."],["R009-P1-C053","A credit balance remaining for more than six months requires a good-faith refund effort.","Statutory channels are cash/check/money order; the regulation also lists credit to the consumer’s deposit account. This duty is not conditional on a new written request.","S002, § 1666d(C); S008, § 11(a)(3).","S/R."],["R009-P1-C054","“Unlocated consumer” requires more than a stale address on file.","Positive steps are required, including necessary tracing through the last-known address or telephone number, or both. The text’s no-further-action condition requires unknown current location and inability to trace through those sources.","S002, § 1666d(C); S008, § 11(a)(3), comment 11(a)(3)-1.","S/R; adequacy of an actual effort U."],["R009-P1-C055","An unsuccessful qualifying good-faith effort can exhaust the further duties imposed by § 11; an unsuccessful early effort need not be repeated merely at six months.","The ultimate disposition of an unsuccessful-refund balance, or a balance of $1 or less, remains governed by other applicable law. This is not creditor ownership or debt-forfeiture authority.","S008, comments 11(a)-1.iv and 11(a)(3)-2.","R; property/unclaimed-property law held."],["R009-P1-C056","Closure alone supplies no express exception to § 11(a)’s credit-balance duties and no express new immediate-cash deadline.","This is a textual inference from § 1666d and § 11(a); the separately stated termination provisions do not supply either proposition. Particular closure, security-deposit, or contract obligations remain unexamined.","S002; S008, § 11(a)–(b).","I; broader closure consequences U."],["R009-P1-C057","Zero balance, an unposted payment, a merchant dispute, and a settlement discount are not interchangeable with an established credit balance.","A merchant credit or other adjustment can contribute to a credit balance once legally/accountingly owed, but the label or allegation alone does not establish money held for the consumer.","S002, opening clause; S006, § 10; S008, § 11(a).","I; underlying merits and accounting U."]]},{"headers":["Claim ID","Area and precise claim","Trigger, conditions, exceptions","Source pinpoint","Status / limit"],"index":7,"links":[],"row_links":[[],[],[],[],[]],"rows":[["Claim ID","Area and precise claim","Trigger, conditions, exceptions","Source pinpoint","Status / limit"],["R009-P1-C058","G-18(D) illustrates placement/proximity of payment information; it is not an account agreement or universal processing instruction.","Appendix G allows adjustment for charge-card/revolving features. G-18(F)/(G) contain some optional information and formats. No sample amount, rate, or date was adopted as law.","S010, comments 9–10; S009, § 7(b)(13).","R; complete F/G images not inspected."],["R009-P1-C059","An outstanding deferred-interest balance has a periodic-statement expiration disclosure requirement.","Under § 7(b)(14), the full-payment date must appear on the front of a page of each statement issued during the period, beginning with the first statement reflecting the transaction; wording substantially similar to G-18(H).","S009, § 7(b)(14); S010, G-18(H).","R; disclosure is not an actual receipt or payoff determination."],["R009-P1-C060","The worksheet’s evidence categories are analytical needs, not newly asserted statutory document-production duties or universal evidentiary presumptions.","A statement may show requirements and dates; it does not alone establish delivery of a particular payment or the legal correctness of every balance/rate.","S006–S010, compared by function.","I; admissibility, burdens, and records requests excluded."],["R009-P1-C061","Currentness verification is bounded by the actual retrieved versions and failures.","Historical final rules establish specified historical implementation; metadata/search descriptions do not replace current operative bodies. No full repeal/stay/vacatur/session-law audit is claimed.","S001–S017 and the retrieval log.","Observed research limitation; not legal acceptance."]]},{"headers":["Event / clock","Trigger and prescribed treatment","Calendar or measurement rule","Evidence categories needed for a later authorized analysis","Claim links"],"index":8,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Event / clock","Trigger and prescribed treatment","Calendar or measurement rule","Evidence categories needed for a later authorized analysis","Claim links"],["Ordinary payment crediting","Payment received; generally credit as of that date.","Not a particular posting date; no-charge and paragraph (b) exceptions.","Method, receipt event, effective-credit date, charges attributable to delay.","C012–C016"],["Website scheduling","Date the creditor is authorized to effect payment.","Immediate instructions after permitted cutoff move to next business day under comment 10(a)-2.iv.","Authorization content, selected execution date, timestamp, cutoff/location.","C016, C018"],["Accepted nonconforming payment","Receipt of an accepted payment failing properly specified requirements.","Within five days; source does not say five business days.","Statement requirements, acceptance, actual nonconformity, promoted-method facts.","C020–C021"],["Assisted branch payment","Payment before qualifying branch/office closes.","Same-day receipt; branch closing may precede 5 p.m.","Financial-institution issuer, accepted location, employee involvement, closing time.","C022–C024"],["No mail accepted on due date","Due date is a day creditor does not receive/accept mail payments.","Next business day for this paragraph means next mail-receipt/acceptance day. Other channels have their own exception.","Due date, mail schedule, chosen channel, receipt date.","C026–C027"],["Correction of crediting-caused charges","Failure to credit under § 10(a)/(b) causes covered charges.","Credit those charges during the next billing cycle.","Required crediting date, imposed charge, causal connection, cycle boundaries.","C025"],["Material payment-procedure change","Effective change causes material delay.","Specified 60-day period after change. Retail notice branch separately uses 60 days after transmission of first statement showing the charge.","Change effective date, affected procedure, causal delay, statement transmission and notice dates.","C030–C032"],["Excess allocation","Payment exceeds required minimum on a covered account.","Allocation uses a permitted rate/balance reference date; no separate universal waiting period is created by § 53.","Minimum, payment, separate balances/rates, chosen reference-date practice, exceptions.","C034–C045"],["Deferred-interest priority","Relevant promotion approaches expiration.","Two billing cycles, with the expiration-before-due-date interpretation.","Promotion terms, expiration date, cycle boundaries, each cycle’s due date, requests.","C038–C043"],["Requested credit-balance refund","Receipt of qualifying written request for an existing credit balance.","Seven business days, using the applicable business-function test.","Credit-balance creation, request form/receipt, business-function schedule, intervening debits, refund.","C046–C052"],["Aged credit balance","Qualifying credit balance remains for more than six months.","Good-faith effort; not a fixed substitute mailing deadline derived here.","Age of remaining credit, prior efforts, permissible return channel, tracing evidence.","C053–C055"]]},{"headers":["Example","Stipulated facts","Provision-specific result versus unknown","Evidence needed","Adverse misclassification to avoid"],"index":9,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Example","Stipulated facts","Provision-specific result versus unknown","Evidence needed","Adverse misclassification to avoid"],["E01 — Sent, not received","A consumer mails a payment using the designated address; creditor receipt is not established.","Section 10’s receipt-based crediting date cannot be fixed from mailing alone. Whether a separate payment-procedure-change protection applies is also unknown.","Receipt evidence, method requirements, any relevant address change.","Treating a postmark as conclusive timely receipt. C014–C015, C030."],["E02 — Conforming timely receipt","A covered payment reaches the creditor before its valid cutoff, meets requirements, and is posted later.","It generally must be credited as of receipt. Later posting alone is not the violation. Whether the amount satisfies the minimum or avoids all interest remains separate.","Effective-credit date, amount required, resulting charges.","Equating posting delay with unlawful crediting, or timely minimum payment with interest forgiveness. C012–C014, C033."],["E03 — Accepted nonconforming payment","Requirements were properly specified with the statement; payment fails them, is accepted, and uses no promoted method.","The five-day receipt rule can apply; the commentary permits intervening finance-charge accrual in this branch. Actual charge legality beyond that remains unknown.","Requirements, defect, acceptance, receipt/credit dates.","Applying ordinary same-day effective crediting without testing the exception—or calling the allowance five business days. C021."],["E04 — Promoted telephone channel","A creditor advertises telephone payment, and a payment is made through it within the applicable conditions.","The promoted-method rule prevents treating it as nonconforming merely because it was not mailed with a stub. Actual completion/receipt still matters.","Promotion, call/payment completion, cutoff, effective credit.","Automatically granting five days because the payment was not mailed. C018, C020."],["E05 — Minimum plus excess","A covered account has two different-rate balances; payment exceeds the required minimum; no special exception applies.","Section 53 directs the excess by descending APR. It does not establish how the minimum portion was allocated.","Minimum, balance/rate schedule, reference-date practice.","Applying highest-rate-first to every dollar or assuming the minimum necessarily goes to the lowest rate. C034–C036."],["E06 — Deferred-interest expiration","A qualifying deferred-interest balance remains; the promotion expires before the due date in its expiration cycle; issuer does not accept allocation requests.","Comment 53(b)-2 changes which two cycles count and preserves priority for relevant preexpiration payments. No actual dates are computed.","Exact expiration, cycle boundaries, due dates, receipt/allocation history.","Counting “two months back” without the due-date relationship, or treating deferred accrual rate as the current ranking rate. C038–C041."],["E07 — Equal-rate balances","Two balances share an APR; a third bears a higher APR; no deferred-interest, secured-request, or dispute exception applies.","After required priority to the higher-rate balance, the commentary generally leaves the method among tied balances unspecified.","Rates at the issuer’s permitted reference date; other governing terms/law.","Calling every non-pro-rata tie allocation a § 53 violation. C036–C037."],["E08 — Requested credit balance","An actual credit balance exceeding $1 exists and a written refund request is received.","Section 11(a)(2)’s seven-business-day period applies, subject to the remaining credit balance when refund is required. No date is calculated.","Request receipt, creditor business functions, intervening debits, refund action.","Substituting seven calendar days, starting from request dispatch, or refunding an assumed original amount despite intervening activity. C046–C052."],["E09 — Consumer cannot be located","A qualifying balance remains more than six months; a statement address is stale, but no tracing effort is established.","Stale address alone does not establish the no-further-action condition. Positive good-faith steps remain material. Ultimate disposition under other law is unknown.","Efforts through last-known address/telephone, their results, remaining balance.","Treating returned mail as automatic creditor ownership. C053–C055."],["E10 — Business-purpose card","The card was issued for business purposes and occasionally used personally.","The commentary does not extend the consumer payment/allocation/refund rules merely because of those purchases. Contract or other-law protections are not decided.","Issuance purpose and governing legal classification.","Applying the full consumer-card regime transaction by transaction. C008."],["E11 — Home-equity card access","A § 1026.40 home-equity plan is accessed through a card.","It is excluded from the narrow § 53 account definition; general covered open-end crediting/refund duties are not thereby erased.","Plan classification, applicable general duties, security facts.","Applying § 53 automatically—or concluding that no payment rules apply. C005, C011."],["E12 — Branch payment versus slot","One payment is made with a teller before a qualifying branch closes; another is placed in a mail slot without employee assistance.","The first falls within the described in-person rule. The second does not obtain that treatment merely from being at the same building; other receipt rules still govern.","Assistance, location, acceptance policy, closing time, actual collection/receipt.","Treating every branch deposit as assisted in-person receipt. C022–C024."],["E13 — Mail closure, electronic availability","No mail is accepted on the due date, but the creditor accepts electronic payments that day; payment is made electronically the next business day.","Section 10(d)(2) does not require that electronic payment to be treated as timely merely because mail was closed. Other protections are not decided.","Channel availability, cutoff, due date, receipt.","Extending a mail-specific protection to every payment method. C026–C027."],["E14 — Secured-balance request","A covered not-home-secured card contains a secured balance; consumer affirmatively requests excess allocation to it.","Section 53(b)(2) allows the issuer to elect that allocation. Request alone does not compel it.","Security scope, request, issuer acceptance, default allocation if declined.","Treating all secured cards as excluded or treating the request as mandatory. C042–C044."],["E15 — Qualifying disputed amount","A stipulated qualifying § 12(c) claim or § 13 billing-error allegation affects part of a balance.","The allocation must avoid or minimize reducing that amount; the official example allows a residual application when nothing else remains. Merits and procedural compliance are not decided.","Qualifying dispute predicate, affected amount, other balances, final disposition.","Saying either “disputed amounts can never receive payment” or “highest rate always controls despite the dispute.” C045."],["E16 — Closure and ledger adjustment","An account closes with an asserted consumer credit; later activity may reduce that credit.","Closure alone supplies neither a refund exemption nor an immediate cash deadline under the examined rule. The amount actually owed, request trigger, and lawful intervening debits remain necessary.","Credit creation, valid later entries, request/age, closure terms, other law.","Equating closure with forfeiture, or assuming a settlement discount is refundable cash. C046, C052, C056–C057."],["E17 — Payment procedure changed","An issuer materially changes an accepted payment route; the change causes a late payment during the relevant period.","The § 10(f) branch must be tested, including the separate retail notice mechanism if applicable. Ordinary no-grace interest is not automatically a prohibited late-payment charge.","Effective change, causation, charge type, statement transmission, notice timing.","Treating every address change as a blanket 60-day payment holiday. C030–C032."]]},{"headers":["Field","Blank entry","What the field would establish","Claim links"],"index":10,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Field","Blank entry","What the field would establish","Claim links"],["W01 — Applicable jurisdiction and source version","______","Federal version applicable to the event; other jurisdictions still held.","C061"],["W02 — Consumer/commercial purpose classification","______","Whether the consumer operational regime applies.","C001, C008"],["W03 — Plan and device type","______","Open-end/card/charge/non-card/hybrid distinction.","C002, C005–C007"],["W04 — Home or other security","______","Narrow account exclusion versus secured-balance option.","C005, C011, C044"],["W05 — High-value exemption history","______","Opening commitment, initial extension, later changes, relevant period’s threshold.","C009–C010"],["W06 — Relevant actor roles","______","Creditor, issuer, agent, creditor processor, consumer-selected payor.","C003–C004, C015, C029"],["W07 — Payment method","______","Mail, issuer website, telephone, transfer, assisted branch, other.","C014–C024"],["W08 — Stated receipt requirements","______","Reasonableness, statement specification, accepted media/location.","C018–C021"],["W09 — Creditor promotion of method","______","Conforming-method treatment.","C020"],["W10 — Receipt event and proof category","______","Receipt rather than dispatch, posting, or bank collection.","C013–C017"],["W11 — Instruction and authorized execution dates","______","Scheduled website payment distinction.","C016"],["W12 — Cutoff, specified location, time zone","______","Applicable permitted receipt cutoff.","C018, C022"],["W13 — Branch status, assistance, and closing time","______","Special in-person conditions.","C022–C024"],["W14 — Acceptance of nonconforming payment","______","Whether the five-day branch is available.","C021"],["W15 — Due-date mail acceptance and other channels","______","Channel-specific next-business-day rule.","C026–C027"],["W16 — Effective-credit date, posting date, available credit","______","Separating three operational events.","C013, C033"],["W17 — Charge caused by crediting delay and adjustment","______","Causation and next-cycle correction.","C025"],["W18 — Payment amount and required minimum","______","Whether an excess exists; no minimum formula assumed.","C034–C035"],["W19 — Separate balances and applicable rates","______","Allocation order at a permissible reference date.","C034, C036–C037"],["W20 — Issuer reference-date practice","______","Cycle-end/payment-date/intervening-date method and consistency.","C036"],["W21 — Deferred-interest terms and expiration","______","Actual deferred-interest predicate rather than label.","C038–C039"],["W22 — Cycle boundaries and payment due dates","______","Correct final-two-cycle treatment.","C040–C041"],["W23 — Consumer allocation request and issuer response","______","Affirmative request, acceptance conditions, usable instruction.","C042–C044"],["W24 — Qualifying disputed-amount flag","______","Whether the narrow payment-allocation interaction is implicated.","C045"],["W25 — Credit-balance creation and remaining amount","______","More-than-$1 trigger and consumer-credit accounting.","C046–C047, C052"],["W26 — Refund-request form and receipt","______","Written-request trigger; electronic-writing question if relevant.","C048, C050–C051"],["W27 — Creditor business-function calendar","______","Seven-business-day measurement inputs.","C049"],["W28 — Intervening debits and refund action","______","Remaining credit when refund is required.","C052"],["W29 — Age of remaining credit and prior efforts","______","More-than-six-month/early-attempt branches.","C053–C055"],["W30 — Last-known contact tracing and result","______","Good-faith/unlocated-consumer predicate.","C054–C055"],["W31 — Material payment-procedure change","______","Effective date, delay causation, retail notice branch.","C030–C032"],["W32 — Closure, contract, and remaining legal questions","______","Matters these provisions do not decide.","C056–C057, C060–C061"]]},{"headers":["Coverage ID / assigned branch","Status and reason","Claim / example links","Exact missing authority or facts","Next bounded permissible investigation"],"index":11,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Coverage ID / assigned branch","Status and reason","Claim / example links","Exact missing authority or facts","Next bounded permissible investigation"],["CV01 — Consumer/open-end gateway","Answered generically.","C001–C002","Actual purpose, plan terms.","Additional public interpretation only if a particular product category is separately assigned."],["CV02 — Creditor/card issuer/agent","Answered generically.","C003","Actual agency/issuer relationship.","Published legal treatment of a defined actor category, without entity searches."],["CV03 — Cardholder/joint/authorized user","Partial: necessary definition answered; liability and refund ownership excluded.","C004","Agreement, assent, ownership, applicable contract law.","Separate generic joint-obligation/refund-ownership study."],["CV04 — General/store/secured/cash-advance/transfer labels","Answered for operational gateway only.","C007; E05, E14","Actual plan and balance features.","Separate subtype-specific public-law pass if needed."],["CV05 — Charge cards","Answered for necessary inclusion and operational predicates.","C006","Actual minimum/full-payment requirement and balances.","Charge-card lifecycle issues remain a separate assignment."],["CV06 — Home-secured exclusion versus general rules","Answered.","C005, C011; E11","Actual § 40 classification.","Separate home-equity payment allocation/servicing law, without borrowing card rules."],["CV07 — Business/mixed use","Answered for the official card-use distinction.","C008; E10","Issuance purpose and any actual conversion.","Narrow public mixed-purpose/conversion interpretation study if assigned."],["CV08 — Overdraft/hybrid-prepaid boundary","Partial: express exclusions/exception identified.","C005","Full § 61 feature predicates and product facts.","Separate hybrid-prepaid classification pass."],["CV09 — High-value exemption","Answered for necessary 2026 and historical-route gates.","C009–C010","Opening/initial-extension/commitment/security history.","Public historical-version study for a specified period, no account investigation."],["CV10 — Date of receipt versus posting","Answered.","C012–C014; E01–E02","Actual receipt/effective credit.","No further generic authority necessary for the stated distinction."],["CV11 — Check collection and mailing","Answered; no postmark presumption invented.","C014; E01","Receipt event.","Separate evidentiary-law inquiry only if authorized."],["CV12 — Third-party payor","Answered at comment’s scope.","C015","Transfer medium, receipt, agency.","Generic payment-system law only for an expressly assigned unresolved method."],["CV13 — Issuer website/scheduled payment","Answered.","C016","Authorized date and cutoff.","None for stated rule; factual application held."],["CV14 — Telephone payments","Answered for promoted conformity/cutoff/fee treatment; no universal call-date receipt rule asserted.","C018, C020, C028–C029; E04","Completion and receipt method.","Narrow official interpretation of an assigned telephone mechanism if necessary."],["CV15 — Payroll deduction","Answered for specified voluntary arrangement only.","C017","Voluntariness, retained use, debit date.","Full setoff/Regulation E/prepaid treatment excluded."],["CV16 — Reasonable requirements/location","Answered.","C018–C019","Statement language and actual reasonableness.","Generic model instructions if a new requirements issue is assigned."],["CV17 — Creditor-promoted method","Answered.","C020; E04","Promotion, cutoff compliance, receipt.","None for stated rule."],["CV18 — Accepted nonconforming payment","Answered.","C021; E03","Specification, acceptance, defect, timing.","No actual tender investigation authorized."],["CV19 — Financial-institution branch","Answered.","C022; E12","Financial-institution status, branch, closing.","Generic actor/category law only."],["CV20 — Retail/affiliate/mail-slot distinctions","Answered.","C023–C024; E12","Actual relationship and assistance.","No provider/location lookup authorized."],["CV21 — Next-cycle charge adjustment","Answered narrowly.","C025","Causation and billing cycle.","Remedies/awards remain excluded."],["CV22 — No-mail day and method exception","Answered.","C026–C027; E13","Mail schedule and channel acceptance.","None for generic rule; no actual calendar calculation."],["CV23 — Payment-method fees","Answered at § 1637(l)/§ 10(e) scope.","C028–C029","Live service, expedited crediting, processor role.","Other fee laws remain separate."],["CV24 — Material issuer procedure changes","Answered, including retail notice branch.","C030–C032; E17","Change, causation, dates, charge type.","No full change-in-terms report rerun."],["CV25 — Available credit/forgiveness","Answered as limits of these provisions.","C033; E02","Other law, agreement, payment finality.","Separate generic available-credit/payment-finality study if assigned."],["CV26 — Minimum versus excess","Answered.","C034–C035; E05","Actual minimum and payment.","Minimum-payment law and formulas remain held."],["CV27 — Separate balances/rates/reference date","Answered.","C036","Issuer practice and lawful rates.","Rate-change authority remains excluded."],["CV28 — Equal rates","Answered for explicit commentary scenario; all-identical inference identified.","C037; E07","Other terms/law or exception.","Narrow tie-allocation authority if additional legal duties are separately assigned."],["CV29 — Deferred interest versus zero rate/grace","Answered.","C038–C039","Actual promotion conditions.","No broad APR/grace-period rerun."],["CV30 — Last two cycles/expiration before due date","Answered.","C040–C041; E06","Exact cycles, due dates, expiration.","No actual deadline calculation authorized."],["CV31 — Consumer request option/default","Answered.","C042–C043","Affirmative instruction, issuer requirements/acceptance.","None for stated rule."],["CV32 — Secured-balance request","Answered at narrow federal scope.","C044; E14","Security interest and request.","State security/contract effects remain excluded."],["CV33 — Disputed amount","Partial: allocation interaction answered; qualification/merits/resolution excluded.","C045; E15","Full § 12(c)/§ 13 predicates and actual facts.","Separate billing-error/claims-and-defenses component."],["CV34 — Credit-balance meaning and dollar threshold","Answered.","C046–C047; E08","Actual total balance/credits/debits.","No account accounting or settlement determination."],["CV35 — Written request and seven business days","Answered generically.","C048–C049; E08","Request receipt, business-function calendar.","No actual deadline."],["CV36 — Electronic request as legally sufficient writing","Unresolved beyond the commentary’s permitted electronic-refund method.","C048, C050","Applicable electronic-writing authority and form of communication.","Narrow public electronic-writing interpretation study; no request submission."],["CV37 — Oral requests/early refunds/standing orders","Answered.","C050–C051","Actual method and existing/future balance distinction.","None for stated rules."],["CV38 — Intervening purchases/debits","Answered as refund-amount rule.","C052; E16","Their validity and remaining credit.","Underlying transaction merits held."],["CV39 — More-than-six-month effort","Answered.","C053","Credit age and efforts.","No funds tracing or actual account inquiry."],["CV40 — Last-known address/unlocated consumer","Answered at statutory/regulatory standard.","C054–C055; E09","Adequacy and outcome of efforts.","Generic unclaimed-property/state law only in a separate authorized pass."],["CV41 — Balance of $1 or less","Answered as limit of this section; ultimate disposition unresolved.","C055","Other applicable property law.","Separate jurisdiction-specific public-law study."],["CV42 — Closure/zero/unposted/dispute/discount","Partial: distinctions and textual limits answered; lifecycle/accounting consequences held.","C056–C057; E16","Actual closure terms, lawful adjustments, other law.","Separate closure or accounting component."],["CV43 — Generic model clauses/instructions","Answered within declared read bounds.","C058–C059","Actual applicable disclosure, not queried.","No need to retrieve unrelated forms."],["CV44 — Clock/proof comparison and worksheet","Answered as generic analytical framework.","C060; clock table; W01–W32","All actual dates, documents, and proof.","Evidentiary/admissibility study only if separately authorized."],["CV45 — Current official statutory body and full amendment lag","Partial due retrieval failures and declared audit limit.","C061; S014–S016","Successfully retrieved newer statutory body; complete subsequent amendment comparison.","Recheck public official bodies when accessible; compare published amendments and dated editions."],["CV46 — Parent product/lifecycle/legal dimensions","Excluded by assignment boundary.","Parent holds below","All unaddressed authorities and actual facts.","Separate bounded components; no parent closure inferred."]]},{"headers":["Assigned question","Principal claims","Principal sources","Demonstration"],"index":12,"links":[],"row_links":[[],[],[],[],[],[]],"rows":[["Assigned question","Principal claims","Principal sources","Demonstration"],["1. Necessary coverage and actors","C001–C011","S003, S005, S006–S008, S012","E10–E12, E14; CV01–CV09"],["2. Payment crediting and limits","C012–C033","S001, S004, S006, selected S009","E01–E04, E12–E13, E17; crediting clock rows"],["3. Excess allocation and exceptions","C034–C045","S001, S007, selected S005/S009; historical S011","E05–E07, E14–E15"],["4. Credit-balance refunds and limits","C046–C057","S002, S008, business-day definition in S005","E08–E09, E16"],["5. Clocks, proof, generic material, worksheet, failure branches","C058–C061 plus relevant operational claims","S005–S013; failure register S014–S017","Clock table; G-18 discussion; E01–E17; W01–W32"]]},{"headers":["Reading block","What was actually completed","What is not claimed"],"index":13,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Reading block","What was actually completed","What is not claimed"],["Operative payment-crediting text","Complete § 1026.10(a)–(f), all accompanying inline official comments, and their examples.","No complete Regulation Z or Regulation E examination."],["Allocation","Complete § 1026.53 and its official comments, including minimum, reference date, ties, disputes, deferred expiration, secured balances, and request validity.","No lawful-APR determination, rate-change authority, or minimum-payment formula."],["Refunds","Complete § 1026.11(a) and its comments; related termination text distinguished. Complete § 1666d body recovered.","No estate-debt, unclaimed-property, security-deposit, or full closure dossier."],["Statutes","Complete § 1666c and § 1666d; necessary § 1602/1603 clauses; complete selected § 1637(l), (o).","No current House-body success or complete post-2024 session-law audit."],["Coverage commentary","Necessary definitions and consumer/business distinctions read; additional open-end threshold conditions recovered from the final rule.","No classification of any actual account or institution."],["Model material","G-18(H) text, G-18(D) image and explanatory instructions, selected F/G instructions.","No actual statement; no unseen complete F/G image review."],["Historical final rule","Effective/mandatory-compliance text and selected allocation explanation read.","No assertion that all 268 pages were read or that historical Part 226 is the current operative citation."],["2026 threshold final rule","Effective date, 2026 threshold, and materially relevant open-end exemption commentary read.","No adoption of surrounding Regulation M/FCRA provisions appearing on shared pages."],["House failures","Eight alternate public routes recorded in S014.","Search results were not promoted to statutory body evidence."],["GovInfo format failures","Failed HTML routes recorded; relevant 2024 PDF bodies recovered.","Failed 2025 routes do not prove publication/nonpublication of a 2025 edition."],["eCFR Supplement I failure","Full-page retrieval exceeded size limit; necessary comments read through official agency presentations.","No complete eCFR Supplement I retrieval or full official annual CFR edition review."],["Version discrepancy","Initial § 11 packet’s April 21 banner distinguished from later October 23 packet.","No silent conflation of cache/version metadata."],["Unused material","Unopened secondary results, proposed-rule search results, ancillary § 1666j exploration, and the incomplete § 13 exploration were not foundations.","No withdrawal, repeal, litigation, or later-history conclusion derived from those discovery results."]]},{"headers":["Check","Result"],"index":14,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Check","Result"],["General open-end versus narrow card-account scope kept separate","Checked; C005–C011."],["Charge cards distinguished from commercial cards and home-equity access cards","Checked; no blanket inclusion/exclusion by marketing name."],["Receipt, posting, collection, and available credit separated","Checked; C013–C017, C033."],["No universal postmark rule or universal business-day definition","Checked."],["Five-day nonconforming allowance conditioned on specification, acceptance, and promoted-method exception","Checked."],["Minimum-payment allocation not inferred from excess-only rule","Checked; C035."],["Deferred interest distinguished from true zero-rate promotions and recurring grace periods","Checked."],["Final-two-cycle rule includes expiration-before-due-date interpretation","Checked; C041."],["Request option distinguished from issuer obligation; invalid preselection examples retained","Checked."],["Secured-balance and qualifying-dispute allocation branches retained","Checked."],["Credit-balance threshold strictly exceeds $1","Checked; no “$1 or more” substitution."],["Written-request refund period and aged-balance effort separated","Checked."],["Unlocated-consumer limit does not become creditor ownership","Checked."],["Statute, regulation, official interpretation, model material, and historical final rule labeled distinctly","Checked."],["PDF text versus inspected image extent stated","Checked; no whole-form/pixel claim inferred from extraction."],["Actual account/person/provider/case searches, contacts, filings, purchases, account changes, or publication","None performed."],["Other reports, subagents, local coordinator files, hashes, or import records","None used or created for this investigation."],["Individual deadline, legal APR, award, liability, or creditworthiness calculation","None made."],["Currentness gaps preserved","Checked; no full current-edition/session-law audit claimed."]]}],"claims":[{"claim_id":"R009-P1-C001","area_numbers":[9],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R009-P1-C001","Area and precise claim":"Consumer coverage depends on credit primarily for personal, family, or household purposes.","Trigger, conditions, exceptions":"The statutory consumer-transaction definition refers to a natural person; regulatory cardholder and specified trust rules require their own treatment. A consumer-facing label alone is insufficient.","Source pinpoint":"S003, § 1602(i); S005, § 2(a)(11)–(12), comments 2(a)(11)-1, -3 and 2(a)(12)-1.","Status / limit":"S/R; actual purpose and status U."},"coordinator_verification_status":"conditional_framework_reviewed_source_currentness_form_actualfact_limits_retained","coordinator_review":"[internal evidence reference]"},{"claim_id":"R009-P1-C002","area_numbers":[9],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R009-P1-C002","Area and precise claim":"Open-end credit ordinarily requires a plan contemplating repeated transactions, possible finance charges on unpaid balances, and generally replenishing credit.","Trigger, conditions, exceptions":"All three regulatory criteria matter. Card-issuer provisions also bring specified no-finance-charge and closed-end card arrangements within relevant Subpart B rules; “not ordinary revolving credit” is not a universal exclusion from §§ 10–11.","Source pinpoint":"S003, § 1602(g), (j); S005, § 2(a)(17)(iii)–(iv), (20), comments 2(a)(17)(iii)-1, 2(a)(17)(iv)-1, 2(a)(20)-1–5.","Status / limit":"S/R; specialized closed-end applications otherwise held."},"coordinator_verification_status":"conditional_framework_reviewed_source_currentness_form_actualfact_limits_retained","coordinator_review":"[internal evidence reference]"},{"claim_id":"R009-P1-C003","area_numbers":[9],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R009-P1-C003","Area and precise claim":"A card issuer is the issuer or its agent with respect to the card; “creditor” has provision-specific routes.","Trigger, conditions, exceptions":"Mere card production or data processing does not alone establish agency. Section 10(e) separately expands its own creditor definition to specified payment processors.","Source pinpoint":"S003, § 1602(g), (o); S005, § 2(a)(7), (17), comment 2(a)(7)-1; S006, § 10(e).","Status / limit":"S/R; agency and actual creditor status U."},"coordinator_verification_status":"conditional_framework_reviewed_source_currentness_form_actualfact_limits_retained","coordinator_review":"[internal evidence reference]"},{"claim_id":"R009-P1-C004","area_numbers":[9],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R009-P1-C004","Area and precise claim":"Regulatory cardholder status can include a natural person agreeing with the issuer to pay consumer-card obligations issued to another.","Trigger, conditions, exceptions":"The commentary distinguishes a co-obligor/guarantor from a merely authorized user. This definition does not itself decide contract liability, joint ownership, or entitlement to a particular refund.","Source pinpoint":"S005, § 2(a)(8), comment 2(a)(8)-1–4.","Status / limit":"R; liability/refund ownership U."},"coordinator_verification_status":"conditional_framework_reviewed_source_currentness_form_actualfact_limits_retained","coordinator_review":"[internal evidence reference]"},{"claim_id":"R009-P1-C005","area_numbers":[9],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R009-P1-C005","Area and precise claim":"The narrow covered-credit-card-account definition excludes a § 1026.40 home-equity plan accessed by a card and the specified overdraft lines.","Trigger, conditions, exceptions":"The account-number overdraft exclusion has an express exception for a hybrid prepaid-credit card accessing a covered separate credit feature. A debit card without a credit feature is not automatically a credit card.","Source pinpoint":"S005, § 2(a)(15)(i)–(ii), comments 2(a)(15)-2 and -4.","Status / limit":"R; full hybrid-prepaid classification held."},"coordinator_verification_status":"conditional_framework_reviewed_source_currentness_form_actualfact_limits_retained","coordinator_review":"[internal evidence reference]"},{"claim_id":"R009-P1-C006","area_numbers":[9],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R009-P1-C006","Area and precise claim":"A charge card is a credit card for which no periodic rate computes a finance charge; references to covered card accounts in Subparts B and G generally include charge cards.","Trigger, conditions, exceptions":"Particular sections contain express distinctions. Section 53 still requires an actual excess amount and allocable balances; no interest-bearing balance is invented for a charge card.","Source pinpoint":"S005, § 2(a)(15)(iii), comment 2(a)(15)-3; S007, § 53(a).","Status / limit":"R/I; product features U."},"coordinator_verification_status":"conditional_framework_reviewed_source_currentness_form_actualfact_limits_retained","coordinator_review":"[internal evidence reference]"},{"claim_id":"R009-P1-C007","area_numbers":[9],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R009-P1-C007","Area and precise claim":"General-purpose, store, cash-advance, balance-transfer, promotional, and non-home-secured secured-card labels do not independently displace the core coverage tests.","Trigger, conditions, exceptions":"The actual plan, access device, consumer purpose, security, balances, and exemptions control. A secured balance can expressly fall within § 53(b)(2).","Source pinpoint":"S005, § 2(a)(15), (20); S007, § 53(a), (b)(2), comment 53-5.","Status / limit":"I anchored in R; no comprehensive subtype acceptance."},"coordinator_verification_status":"conditional_framework_reviewed_source_currentness_form_actualfact_limits_retained","coordinator_review":"[internal evidence reference]"},{"claim_id":"R009-P1-C008","area_numbers":[9],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R009-P1-C008","Area and precise claim":"Business-purpose cards do not acquire these consumer operational protections merely through occasional personal use; consumer-purpose cards do not lose them through occasional business use.","Trigger, conditions, exceptions":"Section 3(a)’s commercial/organizational exclusions and the limited § 12(a)–(b) exceptions must be distinguished. Those exceptions are not a general extension of §§ 10, 11, or 53 to business cards.","Source pinpoint":"S003, § 1603(1); S005, § 3(a), comments 3-1, 3(a)-2 and 2(a)(8)-4.","Status / limit":"S/R; actual mixed-purpose classification U."},"coordinator_verification_status":"conditional_framework_reviewed_source_currentness_form_actualfact_limits_retained","coordinator_review":"[internal evidence reference]"},{"claim_id":"R009-P1-C009","area_numbers":[9],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R009-P1-C009","Area and precise claim":"The high-value exemption can matter even to an open-end account. The 2026 threshold is $73,400.","Trigger, conditions, exceptions":"The relevant route is an initial extension exceeding the then-applicable threshold or a qualifying firm written commitment at opening—not merely a later displayed balance. Real-property/principal-dwelling security and private-education exceptions must be respected.","Source pinpoint":"S005, § 3(b)(1), comment 3(b)-3.xvii; S012, comments 3(b)-4.i and -6(i).","Status / limit":"R; threshold effective Jan. 1–Dec. 31, 2026; actual exemption U."},"coordinator_verification_status":"conditional_framework_reviewed_source_currentness_form_actualfact_limits_retained","coordinator_review":"[internal evidence reference]"},{"claim_id":"R009-P1-C010","area_numbers":[9],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R009-P1-C010","Area and precise claim":"An exemption’s history matters: initial-extension and firm-commitment routes do not have identical persistence rules.","Trigger, conditions, exceptions":"Reduction of a qualifying commitment can end that route; a qualifying initial extension can preserve exemption despite later reductions. Combining smaller advances is not the same as the specified single initial advance. Later real-property/principal-dwelling security can end an open-end exemption.","Source pinpoint":"S012, comments 3(b)-4.ii–iv, -6(i), -7; legacy transition in -8.","Status / limit":"R; no actual opening/history determination."},"coordinator_verification_status":"conditional_framework_reviewed_source_currentness_form_actualfact_limits_retained","coordinator_review":"[internal evidence reference]"},{"claim_id":"R009-P1-C011","area_numbers":[9],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R009-P1-C011","Area and precise claim":"Exclusion from § 53’s narrow account category does not automatically eliminate general open-end crediting or credit-balance duties.","Trigger, conditions, exceptions":"A covered home-equity line or non-card open-end plan can remain subject to general § 10 and § 11(a) requirements, while § 10(b)(3), § 10(e), and § 53 have their narrower express scopes.","Source pinpoint":"S005, § 2(a)(15)(ii), (17), (20); S006–S008, respective operative clauses.","Status / limit":"R; no wholesale application of card-specific rules to HELOCs."},"coordinator_verification_status":"conditional_framework_reviewed_source_currentness_form_actualfact_limits_retained","coordinator_review":"[internal evidence reference]"},{"claim_id":"R009-P1-C012","area_numbers":[9],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R009-P1-C012","Area and precise claim":"Section 1666c(a) requires prompt posting as specified by regulation and protection against a finance charge when its stated payment conditions are met.","Trigger, conditions, exceptions":"Receipt in readily identifiable form by 5 p.m. on the due date, in the amount, manner, and location indicated to avoid the charge. This is not a rule that every timely minimum payment prevents all interest.","Source pinpoint":"S001, § 1666c(a).","Status / limit":"S; read with implementing regulation."},"coordinator_verification_status":"conditional_framework_reviewed_source_currentness_form_actualfact_limits_retained","coordinator_review":"[internal evidence reference]"},{"claim_id":"R009-P1-C013","area_numbers":[9],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R009-P1-C013","Area and precise claim":"Section 10(a) generally requires crediting as of receipt, not posting on one particular date.","Trigger, conditions, exceptions":"Exceptions: delay produces no finance or other charge, or paragraph (b) applies. Posting date alone therefore does not establish a crediting violation.","Source pinpoint":"S006, § 10(a), comment 10(a)-1.","Status / limit":"R."},"coordinator_verification_status":"conditional_framework_reviewed_source_currentness_form_actualfact_limits_retained","coordinator_review":"[internal evidence reference]"},{"claim_id":"R009-P1-C014","area_numbers":[9],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R009-P1-C014","Area and precise claim":"A check is received when it reaches the creditor, rather than when the funds are collected.","Trigger, conditions, exceptions":"Sending or postmarking is not the identified receipt event. Applicable requirements and cutoffs still matter.","Source pinpoint":"S006, comment 10(a)-2.i; § 10(b).","Status / limit":"R/I; no universal postmark rule."},"coordinator_verification_status":"conditional_framework_reviewed_source_currentness_form_actualfact_limits_retained","coordinator_review":"[internal evidence reference]"},{"claim_id":"R009-P1-C015","area_numbers":[9],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R009-P1-C015","Area and precise claim":"With a consumer-selected third-party payor, receipt generally occurs when the creditor receives that payor’s check or transfer medium.","Trigger, conditions, exceptions":"The payment must satisfy applicable § 10(b) requirements. An instruction to another bank is not automatically receipt by the creditor.","Source pinpoint":"S006, comment 10(a)-2.iii.","Status / limit":"R; actual transfer/agency facts U."},"coordinator_verification_status":"conditional_framework_reviewed_source_currentness_form_actualfact_limits_retained","coordinator_review":"[internal evidence reference]"},{"claim_id":"R009-P1-C016","area_numbers":[9],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R009-P1-C016","Area and precise claim":"An issuer-website payment is received on the date the consumer authorizes the issuer to effect it.","Trigger, conditions, exceptions":"Advance scheduling does not move receipt to the earlier instruction date. An immediate instruction received after 5 p.m. or a later specified cutoff is deemed authorized for the next business day.","Source pinpoint":"S006, comment 10(a)-2.iv.","Status / limit":"R; exact method, authorization date, cutoff, and calendar U."},"coordinator_verification_status":"conditional_framework_reviewed_source_currentness_form_actualfact_limits_retained","coordinator_review":"[internal evidence reference]"},{"claim_id":"R009-P1-C017","area_numbers":[9],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R009-P1-C017","Area and precise claim":"The specified voluntary payroll arrangement uses the debit from the asset account as receipt, not the earlier payroll deposit.","Trigger, conditions, exceptions":"Consumer retains use until the contractual payment date; the commentary separately describes the covered hybrid-prepaid arrangement. This does not establish general setoff or compulsory-autopay authority.","Source pinpoint":"S006, comment 10(a)-2.ii.","Status / limit":"R; cross-referenced setoff/prepaid regimes held."},"coordinator_verification_status":"conditional_framework_reviewed_source_currentness_form_actualfact_limits_retained","coordinator_review":"[internal evidence reference]"},{"claim_id":"R009-P1-C018","area_numbers":[9],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R009-P1-C018","Area and precise claim":"A creditor may prescribe reasonable requirements enabling most consumers to conform.","Trigger, conditions, exceptions":"Examples include an account locator/stub, checks or money orders by mail, U.S. dollars, and a specified address. Ordinary mail/electronic/telephone/in-person cutoffs may not be earlier than 5 p.m. on the due date at the specified receipt location, subject to the branch exception.","Source pinpoint":"S006, § 10(b)(1)–(2).","Status / limit":"R; no universal consumer-local-time assumption."},"coordinator_verification_status":"conditional_framework_reviewed_source_currentness_form_actualfact_limits_retained","coordinator_review":"[internal evidence reference]"},{"claim_id":"R009-P1-C019","area_numbers":[9],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R009-P1-C019","Area and precise claim":"If requirements were not specified, the commentary supplies implied payment guidelines.","Trigger, conditions, exceptions":"Payment at business locations during normal business hours; cash, money order, draft, similar negotiable instrument, or agreed electronic transfer. Comment 10(b)-1 separately flags possible compulsory-EFT restrictions.","Source pinpoint":"S006, comments 10(b)-1 and -4.","Status / limit":"R; full Regulation E analysis excluded."},"coordinator_verification_status":"conditional_framework_reviewed_source_currentness_form_actualfact_limits_retained","coordinator_review":"[internal evidence reference]"},{"claim_id":"R009-P1-C020","area_numbers":[9],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R009-P1-C020","Area and precise claim":"Creditor-promoted payment methods are treated as conforming under § 10(b)(4)(ii).","Trigger, conditions, exceptions":"Promotion can encompass website, telephone, in-person, or specified third-party channels. Applicable permitted cutoffs remain relevant; conformity does not independently prove receipt.","Source pinpoint":"S006, § 10(b)(4)(ii), comment 10(b)-2.i–iv.","Status / limit":"R."},"coordinator_verification_status":"conditional_framework_reviewed_source_currentness_form_actualfact_limits_retained","coordinator_review":"[internal evidence reference]"},{"claim_id":"R009-P1-C021","area_numbers":[9],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R009-P1-C021","Area and precise claim":"An accepted nonconforming payment generally must be credited within five days of receipt.","Trigger, conditions, exceptions":"Qualifying requirements must have been specified on or with the periodic statement. Promoted-method treatment can defeat the asserted nonconformity. Commentary permits finance-charge accrual between receipt and crediting in this branch.","Source pinpoint":"S006, § 10(b)(4)(i)–(ii), comment 10(b)-3.","Status / limit":"R; no general duty to accept every defective tender inferred."},"coordinator_verification_status":"conditional_framework_reviewed_source_currentness_form_actualfact_limits_retained","coordinator_review":"[internal evidence reference]"},{"claim_id":"R009-P1-C022","area_numbers":[9],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R009-P1-C022","Area and precise claim":"Qualifying in-person payments at a financial-institution issuer’s branch/office count as received that day when made before close of business.","Trigger, conditions, exceptions":"Covered not-home-secured consumer card account; accepted branch location; financial institution means bank, savings association, or credit union. Closing time controls, including an earlier-than-5-p.m. closing.","Source pinpoint":"S006, § 10(b)(3)(i)–(ii).","Status / limit":"R."},"coordinator_verification_status":"conditional_framework_reviewed_source_currentness_form_actualfact_limits_retained","coordinator_review":"[internal evidence reference]"},{"claim_id":"R009-P1-C023","area_numbers":[9],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R009-P1-C023","Area and precise claim":"A merchant retail location is not automatically the issuing financial institution’s branch or office.","Trigger, conditions, exceptions":"The commentary specifically addresses merchant-limited and cobranded cards. A merchant payment may still be conforming under other provisions.","Source pinpoint":"S006, comment 10(b)-5; § 10(b)(4)(ii).","Status / limit":"R."},"coordinator_verification_status":"conditional_framework_reviewed_source_currentness_form_actualfact_limits_retained","coordinator_review":"[internal evidence reference]"},{"claim_id":"R009-P1-C024","area_numbers":[9],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R009-P1-C024","Area and precise claim":"Employee assistance and affiliate relationships affect the in-person branch rule.","Trigger, conditions, exceptions":"Teller/employee-assisted payment qualifies; a branch mail slot does not qualify as in-person under this rule. A same-name affiliate accepting issuer-account payments is covered by the stated affiliate interpretation.","Source pinpoint":"S006, comments 10(b)-6–7.","Status / limit":"R; factual relationship U."},"coordinator_verification_status":"conditional_framework_reviewed_source_currentness_form_actualfact_limits_retained","coordinator_review":"[internal evidence reference]"},{"claim_id":"R009-P1-C025","area_numbers":[9],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R009-P1-C025","Area and precise claim":"Improperly delayed crediting that causes finance or other charges requires an account adjustment during the next billing cycle.","Trigger, conditions, exceptions":"The failure must violate § 10(a) or (b) and result in the charges described. This is the section’s account-adjustment duty, not a damages award or complete remedies analysis.","Source pinpoint":"S006, § 10(c).","Status / limit":"R."},"coordinator_verification_status":"conditional_framework_reviewed_source_currentness_form_actualfact_limits_retained","coordinator_review":"[internal evidence reference]"},{"claim_id":"R009-P1-C026","area_numbers":[9],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R009-P1-C026","Area and precise claim":"If the creditor does not receive or accept mail payments on the due date, the next-mail-business-day protection generally applies.","Trigger, conditions, exceptions":"For § 10(d), that next business day means the next day the creditor accepts or receives payments by mail. This is not a universal Monday–Friday definition.","Source pinpoint":"S004, § 1637(o)(2); S006, § 10(d)(1), comment 10(d)-1.","Status / limit":"S/R."},"coordinator_verification_status":"conditional_framework_reviewed_source_currentness_form_actualfact_limits_retained","coordinator_review":"[internal evidence reference]"},{"claim_id":"R009-P1-C027","area_numbers":[9],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R009-P1-C027","Area and precise claim":"A mail-closure extension does not necessarily extend a different payment channel.","Trigger, conditions, exceptions":"If electronic or telephone payments are accepted on the due date, payments made by that channel the next business day need not be treated as timely under § 10(d)(2). Ordinary periodic interest on a no-grace account is not, by itself, late treatment.","Source pinpoint":"S006, § 10(d)(2), comment 10(d)-2; S009, comment 5(b)(2)(ii)-2.","Status / limit":"R; other timing protections not decided."},"coordinator_verification_status":"conditional_framework_reviewed_source_currentness_form_actualfact_limits_retained","coordinator_review":"[internal evidence reference]"},{"claim_id":"R009-P1-C028","area_numbers":[9],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R009-P1-C028","Area and precise claim":"A separate fee for making a payment is generally prohibited on the specified covered card accounts unless the stated expedited-service exception applies.","Trigger, conditions, exceptions":"Section 1637(l) supplies the statutory rule; § 10(e) uses the narrow not-home-secured account category and includes a processor acting for the creditor. A late charge is not classified as this separate payment-method fee merely because payment was late.","Source pinpoint":"S004, § 1637(l); S006, § 10(e), comments 10(e)-1, -4.","Status / limit":"S/R; general late-fee legality held."},"coordinator_verification_status":"conditional_framework_reviewed_source_currentness_form_actualfact_limits_retained","coordinator_review":"[internal evidence reference]"},{"claim_id":"R009-P1-C029","area_numbers":[9],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R009-P1-C029","Area and precise claim":"The § 10(e) exception requires expedited service involving a live representative or agent.","Trigger, conditions, exceptions":"Expedited means same-day crediting, or next-business-day crediting after cutoff. Automated-only service is not a representative; mixed live/automated service may qualify. A consumer’s own transfer service/bill-pay bank is not thereby the creditor’s processor.","Source pinpoint":"S006, comments 10(e)-2–4.","Status / limit":"R; exception is not an all-law permission to charge."},"coordinator_verification_status":"conditional_framework_reviewed_source_currentness_form_actualfact_limits_retained","coordinator_review":"[internal evidence reference]"},{"claim_id":"R009-P1-C030","area_numbers":[9],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R009-P1-C030","Area and precise claim":"A material issuer change in payment address/procedures can prohibit late-payment fees or finance charges during the specified 60-day period.","Trigger, conditions, exceptions":"Required causal link: the change causes material delay. A harmless address-format change or continued successful acceptance at the former address does not establish that predicate.","Source pinpoint":"S001, § 1666c(c); S006, § 10(f), comments 10(f)-1–4.","Status / limit":"S/R; change date and causation U."},"coordinator_verification_status":"conditional_framework_reviewed_source_currentness_form_actualfact_limits_retained","coordinator_review":"[internal evidence reference]"},{"claim_id":"R009-P1-C031","area_numbers":[9],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R009-P1-C031","Area and precise claim":"The retail-location interpretation has a specific notice-based correction mechanism.","Trigger, conditions, exceptions":"If the issuer uses that treatment, notice must reach it no later than 60 days after transmission of the first statement reflecting the affected charge; qualifying charges imposed in the change’s 60-day period must be waived, removed, or equivalently credited.","Source pinpoint":"S006, comment 10(f)-3.ii, -4.vi.","Status / limit":"R; the two 60-day triggers must not be merged."},"coordinator_verification_status":"conditional_framework_reviewed_source_currentness_form_actualfact_limits_retained","coordinator_review":"[internal evidence reference]"},{"claim_id":"R009-P1-C032","area_numbers":[9],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R009-P1-C032","Area and precise claim":"Section 10(f)’s safe harbor and late-payment-charge concept have limits.","Trigger, conditions, exceptions":"The issuer may avoid affected charges for the specified period; waiver/removal/equivalent credit counts. Ordinary periodic interest on an account without a grace period is not automatically a finance charge “for a late payment.”","Source pinpoint":"S006, comments 10(f)-3.i and -5.","Status / limit":"R."},"coordinator_verification_status":"conditional_framework_reviewed_source_currentness_form_actualfact_limits_retained","coordinator_review":"[internal evidence reference]"},{"claim_id":"R009-P1-C033","area_numbers":[9],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R009-P1-C033","Area and precise claim":"The crediting provisions do not themselves establish instantaneous restoration of available credit, cancellation of debt, or a particular allocation of the payment.","Trigger, conditions, exceptions":"This is a limitation of the provisions examined. Other contract, funds-availability, payment-system, or legal requirements may matter.","Source pinpoint":"S006, § 10; S005, comment 2(a)(20)-5; S007–S008.","Status / limit":"I; broader duties U."},"coordinator_verification_status":"conditional_framework_reviewed_source_currentness_form_actualfact_limits_retained","coordinator_review":"[internal evidence reference]"},{"claim_id":"R009-P1-C034","area_numbers":[9],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R009-P1-C034","Area and precise claim":"On a covered card account, the ordinary rule allocates excess above the required minimum first to the highest-APR balance, then other balances in descending APR order.","Trigger, conditions, exceptions":"Subject to § 53(b) and official dispute-related interpretation. Product coverage must first be established.","Source pinpoint":"S001, § 1666c(b)(1); S007, § 53(a).","Status / limit":"S/R."},"coordinator_verification_status":"conditional_framework_reviewed_source_currentness_form_actualfact_limits_retained","coordinator_review":"[internal evidence reference]"},{"claim_id":"R009-P1-C035","area_numbers":[9],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R009-P1-C035","Area and precise claim":"Section 53 does not prescribe the amount of the required minimum or generally dictate how that minimum is allocated.","Trigger, conditions, exceptions":"The issuer remains subject to other applicable law and regulatory guidance. Voluntarily using the excess-payment method for the minimum is permitted where otherwise consistent.","Source pinpoint":"S007, comment 53-1.","Status / limit":"R; minimum-setting/allocation law otherwise held."},"coordinator_verification_status":"conditional_framework_reviewed_source_currentness_form_actualfact_limits_retained","coordinator_review":"[internal evidence reference]"},{"claim_id":"R009-P1-C036","area_numbers":[9],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R009-P1-C036","Area and precise claim":"The issuer may use rates and balances from the preceding cycle’s end, the payment-crediting date, or a date between.","Trigger, conditions, exceptions":"The selection generally must be consistent between cycles, although adjustments from time to time are permitted. This does not authorize a rate change or prove the selected APR lawful.","Source pinpoint":"S007, comment 53-2 and examples.","Status / limit":"R; actual valuation practice and lawful rate U."},"coordinator_verification_status":"conditional_framework_reviewed_source_currentness_form_actualfact_limits_retained","coordinator_review":"[internal evidence reference]"},{"claim_id":"R009-P1-C037","area_numbers":[9],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R009-P1-C037","Area and precise claim":"The commentary generally prescribes no particular allocation among tied-rate balances when at least one other balance has a different rate.","Trigger, conditions, exceptions":"Tied balances may be treated together or separately. If all rates are identical, the descending-rate rule itself supplies no differential ranking; that last point is a textual inference, subject to special rules and other law.","Source pinpoint":"S007, comment 53-4, example 53-5.iv; § 53(a).","Status / limit":"R for specified tie case; I for all-identical-rate observation."},"coordinator_verification_status":"conditional_framework_reviewed_source_currentness_form_actualfact_limits_retained","coordinator_review":"[internal evidence reference]"},{"claim_id":"R009-P1-C038","area_numbers":[9],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R009-P1-C038","Area and precise claim":"Deferred-interest treatment depends on interest accruing but being avoidable, waived, or refunded through full payment by the specified expiration.","Trigger, conditions, exceptions":"Applies regardless of required interim payments. A recurring grace period is excluded. A temporary zero APR is not enough unless interest accrued during the period can become payable.","Source pinpoint":"S007, comment 53(b)-1; S009, § 16(h)(2), comment 16(h)-1.","Status / limit":"R; promotional label alone insufficient."},"coordinator_verification_status":"conditional_framework_reviewed_source_currentness_form_actualfact_limits_retained","coordinator_review":"[internal evidence reference]"},{"claim_id":"R009-P1-C039","area_numbers":[9],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R009-P1-C039","Area and precise claim":"During the relevant deferred-interest period, the balance is treated as having a zero APR for § 53 allocation.","Trigger, conditions, exceptions":"Consequently, equal nominal accrual rates do not necessarily create tied allocation rates. The expiration-period exception remains applicable.","Source pinpoint":"S007, comment 53-4.","Status / limit":"R; not a finding that no interest is accruing."},"coordinator_verification_status":"conditional_framework_reviewed_source_currentness_form_actualfact_limits_retained","coordinator_review":"[internal evidence reference]"},{"claim_id":"R009-P1-C040","area_numbers":[9],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R009-P1-C040","Area and precise claim":"In the default deferred-interest branch, excess goes first to that balance during the two billing cycles immediately preceding expiration; remainder follows § 53(a).","Trigger, conditions, exceptions":"Outside that period, ordinary allocation applies, unless a permitted consumer-request allocation is used. The statutory “entire excess” language is implemented with an express rule for any remainder after the deferred balance is satisfied.","Source pinpoint":"S001, § 1666c(b)(2); S007, § 53(b)(1)(i)–(ii).","Status / limit":"S/R; no assumption that “two cycles” equals two calendar months."},"coordinator_verification_status":"conditional_framework_reviewed_source_currentness_form_actualfact_limits_retained","coordinator_review":"[internal evidence reference]"},{"claim_id":"R009-P1-C041","area_numbers":[9],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R009-P1-C041","Area and precise claim":"Expiration before a cycle’s payment due date changes which cycles count.","Trigger, conditions, exceptions":"That expiration cycle is not one of the two immediately preceding cycles under comment 53(b)-2. Its example gives priority in the preceding two cycles and in the preexpiration portion of the expiration cycle.","Source pinpoint":"S007, comment 53(b)-2; S005, § 2(a)(4).","Status / limit":"R; actual cycle/due/expiration dates U."},"coordinator_verification_status":"conditional_framework_reviewed_source_currentness_form_actualfact_limits_retained","coordinator_review":"[internal evidence reference]"},{"claim_id":"R009-P1-C042","area_numbers":[9],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R009-P1-C042","Area and precise claim":"The issuer is generally not required to follow a consumer’s allocation request.","Trigger, conditions, exceptions":"It may decline requests generally or for failure to meet its requirements, provided default allocation complies with § 53(a) or (b)(1)(i). Missing or unusable requests likewise require default allocation unless corrected.","Source pinpoint":"S007, § 53(b)(1)(ii), comment 53(b)-3.i.","Status / limit":"R; no general request-based override."},"coordinator_verification_status":"conditional_framework_reviewed_source_currentness_form_actualfact_limits_retained","coordinator_review":"[internal evidence reference]"},{"claim_id":"R009-P1-C043","area_numbers":[9],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R009-P1-C043","Area and precise claim":"A qualifying request must be an affirmative consumer instruction, not merely issuer-imposed or preselected language.","Trigger, conditions, exceptions":"Commentary recognizes oral/electronic/written instructions, purpose-built submitted forms, and requests to reallocate a prior payment. Preprinted assent, untouched preselected boxes, and conditioning features/services on an allocation are insufficient examples. Issuer acceptance requirements remain relevant.","Source pinpoint":"S007, comment 53(b)-3.ii–iii.","Status / limit":"R."},"coordinator_verification_status":"conditional_framework_reviewed_source_currentness_form_actualfact_limits_retained","coordinator_review":"[internal evidence reference]"},{"claim_id":"R009-P1-C044","area_numbers":[9],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R009-P1-C044","Area and precise claim":"For a secured balance on a covered not-home-secured card account, the issuer may elect to allocate excess to that balance if the consumer requests it.","Trigger, conditions, exceptions":"This is the specific secured-balance option, not a requirement to comply or permission to import § 53 into a home-equity plan.","Source pinpoint":"S007, § 53(b)(2), comment 53(b)-3.","Status / limit":"R; existence and reach of security interest U."},"coordinator_verification_status":"conditional_framework_reviewed_source_currentness_form_actualfact_limits_retained","coordinator_review":"[internal evidence reference]"},{"claim_id":"R009-P1-C045","area_numbers":[9],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R009-P1-C045","Area and precise claim":"A qualifying § 12(c) claim/defense or § 13 billing-error allegation affects payment allocation.","Trigger, conditions, exceptions":"The issuer must avoid or minimize reducing the disputed amount. The official example permits residual application to it when no other amounts remain; a subsequently established billing error still requires the identified correction. Not every informal complaint is assumed to meet the referenced provisions.","Source pinpoint":"S007, comment 53-3.i–ii.","Status / limit":"R; dispute qualification, merits, procedures, and remedies held."},"coordinator_verification_status":"conditional_framework_reviewed_source_currentness_form_actualfact_limits_retained","coordinator_review":"[internal evidence reference]"},{"claim_id":"R009-P1-C046","area_numbers":[9],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R009-P1-C046","Area and precise claim":"The credit-balance rule is triggered by a credit balance in excess of $1, created through the specified categories.","Trigger, conditions, exceptions":"Categories include funds above the total balance due, rebates of unearned finance charges/insurance premiums, and amounts otherwise owed to or held for the consumer. An excess above the minimum alone does not establish this.","Source pinpoint":"S002, § 1666d opening clause; S008, § 11(a).","Status / limit":"S/R; actual ledger balance U."},"coordinator_verification_status":"conditional_framework_reviewed_source_currentness_form_actualfact_limits_retained","coordinator_review":"[internal evidence reference]"},{"claim_id":"R009-P1-C047","area_numbers":[9],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R009-P1-C047","Area and precise claim":"A qualifying credit balance must be credited to the consumer’s account.","Trigger, conditions, exceptions":"This is separate from the request-based refund and aged-balance effort. The provision does not make cash refund immediate in every case.","Source pinpoint":"S002, § 1666d(A); S008, § 11(a)(1).","Status / limit":"S/R."},"coordinator_verification_status":"conditional_framework_reviewed_source_currentness_form_actualfact_limits_retained","coordinator_review":"[internal evidence reference]"},{"claim_id":"R009-P1-C048","area_numbers":[9],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R009-P1-C048","Area and precise claim":"The statute requires refund upon request; the regulation specifies refund of the remaining credit balance within seven business days after receipt of a written request.","Trigger, conditions, exceptions":"The written-request and seven-business-day details appear in the regulation, not the statutory wording. Whether a particular electronic communication legally constitutes the required writing is not determined here.","Source pinpoint":"S002, § 1666d(B); S008, § 11(a)(2).","Status / limit":"S/R; request form/receipt U."},"coordinator_verification_status":"conditional_framework_reviewed_source_currentness_form_actualfact_limits_retained","coordinator_review":"[internal evidence reference]"},{"claim_id":"R009-P1-C049","area_numbers":[9],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R009-P1-C049","Area and precise claim":"The ordinary § 2(a)(6) business-function definition governs the § 11(a)(2) period.","Trigger, conditions, exceptions":"It asks when the creditor’s offices are open to the public for substantially all business functions; limited bill-payment/deposit services alone do not establish that. Section 10(d)’s mail-specific definition is not imported.","Source pinpoint":"S005, § 2(a)(6), comment 2(a)(6)-1; S008, § 11(a)(2).","Status / limit":"R; no calendar calculated."},"coordinator_verification_status":"conditional_framework_reviewed_source_currentness_form_actualfact_limits_retained","coordinator_review":"[internal evidence reference]"},{"claim_id":"R009-P1-C050","area_numbers":[9],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R009-P1-C050","Area and precise claim":"A creditor may satisfy the obligation earlier, including by immediate refund, refund before written request, or refund on oral/electronic request.","Trigger, conditions, exceptions":"These permitted compliance methods do not erase the mandatory written-request trigger or establish that every oral request starts the same seven-business-day clock.","Source pinpoint":"S008, comment 11(a)-1.i–iii.","Status / limit":"R; electronic-writing characterization held."},"coordinator_verification_status":"conditional_framework_reviewed_source_currentness_form_actualfact_limits_retained","coordinator_review":"[internal evidence reference]"},{"claim_id":"R009-P1-C051","area_numbers":[9],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R009-P1-C051","Area and precise claim":"The creditor need not honor standing orders requesting refunds of future credit balances.","Trigger, conditions, exceptions":"This concerns prospective standing orders; it is not a general exception to a qualifying request for an existing credit balance.","Source pinpoint":"S008, comment 11(a)(2)-1.","Status / limit":"R."},"coordinator_verification_status":"conditional_framework_reviewed_source_currentness_form_actualfact_limits_retained","coordinator_review":"[internal evidence reference]"},{"claim_id":"R009-P1-C052","area_numbers":[9],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R009-P1-C052","Area and precise claim":"Refund amount is the remaining credit balance at the time refund is required.","Trigger, conditions, exceptions":"Intervening purchases or other debits, including amounts not yet shown on a periodic statement, may decrease or eliminate it. Their underlying validity is not established merely by appearing in a ledger.","Source pinpoint":"S008, comment 11(a)-2.","Status / limit":"R/I; debit validity U."},"coordinator_verification_status":"conditional_framework_reviewed_source_currentness_form_actualfact_limits_retained","coordinator_review":"[internal evidence reference]"},{"claim_id":"R009-P1-C053","area_numbers":[9],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R009-P1-C053","Area and precise claim":"A credit balance remaining for more than six months requires a good-faith refund effort.","Trigger, conditions, exceptions":"Statutory channels are cash/check/money order; the regulation also lists credit to the consumer’s deposit account. This duty is not conditional on a new written request.","Source pinpoint":"S002, § 1666d(C); S008, § 11(a)(3).","Status / limit":"S/R."},"coordinator_verification_status":"conditional_framework_reviewed_source_currentness_form_actualfact_limits_retained","coordinator_review":"[internal evidence reference]"},{"claim_id":"R009-P1-C054","area_numbers":[9],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R009-P1-C054","Area and precise claim":"“Unlocated consumer” requires more than a stale address on file.","Trigger, conditions, exceptions":"Positive steps are required, including necessary tracing through the last-known address or telephone number, or both. The text’s no-further-action condition requires unknown current location and inability to trace through those sources.","Source pinpoint":"S002, § 1666d(C); S008, § 11(a)(3), comment 11(a)(3)-1.","Status / limit":"S/R; adequacy of an actual effort U."},"coordinator_verification_status":"conditional_framework_reviewed_source_currentness_form_actualfact_limits_retained","coordinator_review":"[internal evidence reference]"},{"claim_id":"R009-P1-C055","area_numbers":[9],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R009-P1-C055","Area and precise claim":"An unsuccessful qualifying good-faith effort can exhaust the further duties imposed by § 11; an unsuccessful early effort need not be repeated merely at six months.","Trigger, conditions, exceptions":"The ultimate disposition of an unsuccessful-refund balance, or a balance of $1 or less, remains governed by other applicable law. This is not creditor ownership or debt-forfeiture authority.","Source pinpoint":"S008, comments 11(a)-1.iv and 11(a)(3)-2.","Status / limit":"R; property/unclaimed-property law held."},"coordinator_verification_status":"conditional_framework_reviewed_source_currentness_form_actualfact_limits_retained","coordinator_review":"[internal evidence reference]"},{"claim_id":"R009-P1-C056","area_numbers":[9],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R009-P1-C056","Area and precise claim":"Closure alone supplies no express exception to § 11(a)’s credit-balance duties and no express new immediate-cash deadline.","Trigger, conditions, exceptions":"This is a textual inference from § 1666d and § 11(a); the separately stated termination provisions do not supply either proposition. Particular closure, security-deposit, or contract obligations remain unexamined.","Source pinpoint":"S002; S008, § 11(a)–(b).","Status / limit":"I; broader closure consequences U."},"coordinator_verification_status":"conditional_framework_reviewed_source_currentness_form_actualfact_limits_retained","coordinator_review":"[internal evidence reference]"},{"claim_id":"R009-P1-C057","area_numbers":[9],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R009-P1-C057","Area and precise claim":"Zero balance, an unposted payment, a merchant dispute, and a settlement discount are not interchangeable with an established credit balance.","Trigger, conditions, exceptions":"A merchant credit or other adjustment can contribute to a credit balance once legally/accountingly owed, but the label or allegation alone does not establish money held for the consumer.","Source pinpoint":"S002, opening clause; S006, § 10; S008, § 11(a).","Status / limit":"I; underlying merits and accounting U."},"coordinator_verification_status":"conditional_framework_reviewed_source_currentness_form_actualfact_limits_retained","coordinator_review":"[internal evidence reference]"},{"claim_id":"R009-P1-C058","area_numbers":[9],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R009-P1-C058","Area and precise claim":"G-18(D) illustrates placement/proximity of payment information; it is not an account agreement or universal processing instruction.","Trigger, conditions, exceptions":"Appendix G allows adjustment for charge-card/revolving features. G-18(F)/(G) contain some optional information and formats. No sample amount, rate, or date was adopted as law.","Source pinpoint":"S010, comments 9–10; S009, § 7(b)(13).","Status / limit":"R; complete F/G images not inspected."},"coordinator_verification_status":"conditional_framework_reviewed_source_currentness_form_actualfact_limits_retained","coordinator_review":"[internal evidence reference]"},{"claim_id":"R009-P1-C059","area_numbers":[9],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R009-P1-C059","Area and precise claim":"An outstanding deferred-interest balance has a periodic-statement expiration disclosure requirement.","Trigger, conditions, exceptions":"Under § 7(b)(14), the full-payment date must appear on the front of a page of each statement issued during the period, beginning with the first statement reflecting the transaction; wording substantially similar to G-18(H).","Source pinpoint":"S009, § 7(b)(14); S010, G-18(H).","Status / limit":"R; disclosure is not an actual receipt or payoff determination."},"coordinator_verification_status":"conditional_framework_reviewed_source_currentness_form_actualfact_limits_retained","coordinator_review":"[internal evidence reference]"},{"claim_id":"R009-P1-C060","area_numbers":[9],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R009-P1-C060","Area and precise claim":"The worksheet’s evidence categories are analytical needs, not newly asserted statutory document-production duties or universal evidentiary presumptions.","Trigger, conditions, exceptions":"A statement may show requirements and dates; it does not alone establish delivery of a particular payment or the legal correctness of every balance/rate.","Source pinpoint":"S006–S010, compared by function.","Status / limit":"I; admissibility, burdens, and records requests excluded."},"coordinator_verification_status":"conditional_framework_reviewed_source_currentness_form_actualfact_limits_retained","coordinator_review":"[internal evidence reference]"},{"claim_id":"R009-P1-C061","area_numbers":[9],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R009-P1-C061","Area and precise claim":"Currentness verification is bounded by the actual retrieved versions and failures.","Trigger, conditions, exceptions":"Historical final rules establish specified historical implementation; metadata/search descriptions do not replace current operative bodies. No full repeal/stay/vacatur/session-law audit is claimed.","Source pinpoint":"S001–S017 and the retrieval log.","Status / limit":"Observed research limitation; not legal acceptance."},"coordinator_verification_status":"conditional_framework_reviewed_source_currentness_form_actualfact_limits_retained","coordinator_review":"[internal evidence reference]"}],"sources":[{"source_id":"R009-P1-S001","urls":["https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap41-subchapI-partD-sec1666c.htm","https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap41-subchapI-partD-sec1666c.htm?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"R009-P1-S001","Issuer/title and complete literal HTTPS URLs":"GPO, 15 U.S.C. § 1666c, Prompt and fair crediting of payments. https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap41-subchapI-partD-sec1666c.htm","Exact clauses and actual read bounds":"Fresh; complete operative subsections (a), (b)(1)–(2), and (c), plus displayed amendment/effective-date notes; HTML lines 9–44.","Page / PDF index / image extent":"HTML; page/index N/A.","Version, effective predicate, and currentness limit":"Official 2024 edition. The 2009-amendment note states nine months after May 22, 2009, except as otherwise specified. S011 independently establishes the relevant 2010 regulatory compliance date. Current House-body gap remains."},"coordinator_verification_status":"fresh_selected_historical_body","coordinator_review":"[internal evidence reference]"},{"source_id":"R009-P1-S002","urls":["https://www.govinfo.gov/content/pkg/USCODE-2024-title15/pdf/USCODE-2024-title15-chap41-subchapI-partD-sec1666d.pdf","https://www.govinfo.gov/link/uscode/15/1666d","https://www.govinfo.gov/content/pkg/USCODE-2024-title15/pdf/USCODE-2024-title15-chap41-subchapI-partD-sec1666d.pdf?utm_source=chatgpt.com","https://www.govinfo.gov/link/uscode/15/1666d?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"R009-P1-S002","Issuer/title and complete literal HTTPS URLs":"GPO, 15 U.S.C. § 1666d, Treatment of credit balances. https://www.govinfo.gov/content/pkg/USCODE-2024-title15/pdf/USCODE-2024-title15-chap41-subchapI-partD-sec1666d.pdf. Same text also recovered through https://www.govinfo.gov/link/uscode/15/1666d.","Exact clauses and actual read bounds":"Fresh; complete § 1666d, including its three credit-creation categories, duties (A)–(C), and displayed 1980 amendment/transition notes; PDF text lines 26–63. Adjacent §§ 1666e–f were not adopted as additional research conclusions.","Page / PDF index / image extent":"Printed 1542, PDF 0. Page image retrieved; the § 1666d block was inspected. No broader Code-volume image review.","Version, effective predicate, and currentness limit":"Official 2024 edition established by the edition-specific URL; the generic link is duplicate access, not a second authority. Historical amendment note is not an account-specific effective-date calculation."},"coordinator_verification_status":"fresh_selected_historical_body","coordinator_review":"[internal evidence reference]"},{"source_id":"R009-P1-S003","urls":["https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap41-subchapI-partA-sec1602.htm","https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap41-subchapI-partA-sec1603.htm","https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap41-subchapI-partA-sec1602.htm?utm_source=chatgpt.com","https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap41-subchapI-partA-sec1603.htm?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"R009-P1-S003","Issuer/title and complete literal HTTPS URLs":"GPO, 15 U.S.C. §§ 1602 and 1603. https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap41-subchapI-partA-sec1602.htm; https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap41-subchapI-partA-sec1603.htm","Exact clauses and actual read bounds":"Fresh selected bodies: § 1602(d)–(g), (i)–(j), (l), (n)–(o), and (s); § 1603(1) and (3), with surrounding exemption text read for context. No complete TILA-definition survey claimed.","Page / PDF index / image extent":"HTML; N/A.","Version, effective predicate, and currentness limit":"Official 2024 edition. The annually adjusted regulatory threshold is established separately by S005/S012; the statutory base amount is not presented as the 2026 threshold."},"coordinator_verification_status":"fresh_selected_historical_body","coordinator_review":"[internal evidence reference]"},{"source_id":"R009-P1-S004","urls":["https://www.govinfo.gov/content/pkg/USCODE-2024-title15/pdf/USCODE-2024-title15-chap41-subchapI-partB-sec1637.pdf","https://www.govinfo.gov/content/pkg/USCODE-2024-title15/pdf/USCODE-2024-title15-chap41-subchapI-partB-sec1637.pdf?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"R009-P1-S004","Issuer/title and complete literal HTTPS URLs":"GPO, 15 U.S.C. § 1637, Open end consumer credit plans. https://www.govinfo.gov/content/pkg/USCODE-2024-title15/pdf/USCODE-2024-title15-chap41-subchapI-partB-sec1637.pdf","Exact clauses and actual read bounds":"Fresh selected bodies: complete (l), payment-method fees, and (o)(1)–(2), due dates and mail nonreceipt days; text lines 907–915 and 942–951. Other § 1637 subjects are not findings of this pass.","Page / PDF index / image extent":"Printed 1488, PDF 8; selected parsed text read, not page pixels.","Version, effective predicate, and currentness limit":"Official 2024 edition; current statutory-body limitation applies."},"coordinator_verification_status":"fresh_selected_historical_body","coordinator_review":"[internal evidence reference]"},{"source_id":"R009-P1-S005","urls":["https://www.consumerfinance.gov/rules-policy/regulations/1026/1/","https://www.consumerfinance.gov/rules-policy/regulations/1026/2/","https://www.consumerfinance.gov/rules-policy/regulations/1026/3/","https://www.consumerfinance.gov/rules-policy/regulations/1026/1/?utm_source=chatgpt.com","https://www.consumerfinance.gov/rules-policy/regulations/1026/2/?utm_source=chatgpt.com","https://www.consumerfinance.gov/rules-policy/regulations/1026/3/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"R009-P1-S005","Issuer/title and complete literal HTTPS URLs":"CFPB, Regulation Z scope, definitions, exemptions. https://www.consumerfinance.gov/rules-policy/regulations/1026/1/; https://www.consumerfinance.gov/rules-policy/regulations/1026/2/; https://www.consumerfinance.gov/rules-policy/regulations/1026/3/","Exact clauses and actual read bounds":"Fresh selected operative bodies and relevant inline interpretations: § 1(c); § 2(a)(4), (6)–(8), (10)–(12), (14)–(15), relevant (17), and (20); § 3(a), (b), especially comments 3(a)-1–3, -7, -9 and 3(b)-3–4. Remaining threshold commentary material recovered in S012.","Page / PDF index / image extent":"HTML; N/A.","Version, effective predicate, and currentness limit":"Publisher-marked current regulation; Part-version metadata in S013. This is a necessary coverage study, not every exemption or every hybrid-prepaid feature."},"coordinator_verification_status":"fresh_selected_partial_group","coordinator_review":"[internal evidence reference]"},{"source_id":"R009-P1-S006","urls":["https://www.consumerfinance.gov/rules-policy/regulations/1026/10/","https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-B/section-1026.10","https://www.consumerfinance.gov/rules-policy/regulations/1026/10/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"R009-P1-S006","Issuer/title and complete literal HTTPS URLs":"CFPB/OFR, 12 C.F.R. § 1026.10, Payments, with Supplement I. https://www.consumerfinance.gov/rules-policy/regulations/1026/10/; https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-B/section-1026.10","Exact clauses and actual read bounds":"Fresh; complete (a)–(f) and all inline comments: 10(a)-1–2; 10(b)-1–7; 10(d)-1–2; 10(e)-1–4; 10(f)-1–5, including examples. CFPB body lines 56–166; eCFR operative body lines 103–133.","Page / PDF index / image extent":"HTML; N/A.","Version, effective predicate, and currentness limit":"CFPB current label; retrieved eCFR title banner through 2026-10-22. No particular-date posting mandate inferred."},"coordinator_verification_status":"fresh_selected_body","coordinator_review":"[internal evidence reference]"},{"source_id":"R009-P1-S007","urls":["https://www.consumerfinance.gov/rules-policy/regulations/1026/53/","https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-G/section-1026.53","https://www.consumerfinance.gov/rules-policy/regulations/1026/53/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"R009-P1-S007","Issuer/title and complete literal HTTPS URLs":"CFPB/OFR, 12 C.F.R. § 1026.53, Allocation of payments, with Supplement I. https://www.consumerfinance.gov/rules-policy/regulations/1026/53/; https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-G/section-1026.53","Exact clauses and actual read bounds":"Fresh; complete (a), (b)(1)(i)–(ii), (b)(2); complete comments 53-1–5 and 53(b)-1–3, including their examples and invalid-request examples. CFPB body lines 55–125; eCFR lines 103–110.","Page / PDF index / image extent":"HTML; N/A.","Version, effective predicate, and currentness limit":"CFPB current label; retrieved eCFR title banner through 2026-10-22. Comments 53-1–5 are section-level comments, not invented “53(a)” paragraph numbers."},"coordinator_verification_status":"fresh_selected_body","coordinator_review":"[internal evidence reference]"},{"source_id":"R009-P1-S008","urls":["https://www.consumerfinance.gov/rules-policy/regulations/1026/11/","https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-B/section-1026.11","https://www.consumerfinance.gov/rules-policy/regulations/1026/11/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"R009-P1-S008","Issuer/title and complete literal HTTPS URLs":"CFPB/OFR, 12 C.F.R. § 1026.11, Treatment of credit balances; account termination, with Supplement I. https://www.consumerfinance.gov/rules-policy/regulations/1026/11/; https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-B/section-1026.11","Exact clauses and actual read bounds":"Fresh; complete (a)(1)–(3) and comments 11(a)-1–2, 11(a)(2)-1, 11(a)(3)-1–2. Paragraph (b) and its comment read to distinguish termination. Estate-debt subsection (c) excluded from substantive analysis.","Page / PDF index / image extent":"HTML; N/A.","Version, effective predicate, and currentness limit":"Later retrieved eCFR packet through 2026-10-23; earlier packet displayed 2026-04-21 and is preserved as an access discrepancy, not silently treated as current."},"coordinator_verification_status":"fresh_selected_body","coordinator_review":"[internal evidence reference]"},{"source_id":"R009-P1-S009","urls":["https://www.consumerfinance.gov/rules-policy/regulations/1026/5/","https://www.consumerfinance.gov/rules-policy/regulations/1026/7/","https://www.consumerfinance.gov/rules-policy/regulations/1026/16/","https://www.consumerfinance.gov/rules-policy/regulations/1026/5/?utm_source=chatgpt.com","https://www.consumerfinance.gov/rules-policy/regulations/1026/7/?utm_source=chatgpt.com","https://www.consumerfinance.gov/rules-policy/regulations/1026/16/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"R009-P1-S009","Issuer/title and complete literal HTTPS URLs":"CFPB, necessary adjacent provisions. https://www.consumerfinance.gov/rules-policy/regulations/1026/5/; https://www.consumerfinance.gov/rules-policy/regulations/1026/7/; https://www.consumerfinance.gov/rules-policy/regulations/1026/16/","Exact clauses and actual read bounds":"Fresh selected text: comment 5(b)(2)(ii)-2, meaning of treating payment as late; 7(b)(13)–(14) and corresponding format comment; 16(h)(2) and comment 16(h)-1. Surrounding text was viewed, but broad statement-timing, advertising, and billing-dispute regimes are not adopted here.","Page / PDF index / image extent":"HTML; N/A.","Version, effective predicate, and currentness limit":"Agency current-label text, subject to S013 and the stated currentness limits."},"coordinator_verification_status":"fresh_selected_partial_group","coordinator_review":"[internal evidence reference]"},{"source_id":"R009-P1-S010","urls":["https://www.consumerfinance.gov/rules-policy/regulations/1026/g/","https://files.consumerfinance.gov/eregulations/ER22DE11.026-2.png","https://www.consumerfinance.gov/rules-policy/regulations/1026/g/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"R009-P1-S010","Issuer/title and complete literal HTTPS URLs":"CFPB, Appendix G, Open-End Model Forms and Clauses. https://www.consumerfinance.gov/rules-policy/regulations/1026/g/; G-18(D) image: https://files.consumerfinance.gov/eregulations/ER22DE11.026-2.png","Exact clauses and actual read bounds":"Fresh; Appendix G comments 8–10, G-18(D) payment-information sample, and complete G-18(H) deferred-interest clause. G-18(F)/(G) instructions read, but their complete images were not inspected.","Page / PDF index / image extent":"G-18(D): one image surface, no PDF page/index. G-18(H): HTML text. No unseen full-form review claimed.","Version, effective predicate, and currentness limit":"Generic official model material, not evidence of any creditor’s contract, statement, rate, fee, or actual deadline."},"coordinator_verification_status":"fresh_selected_partial_group","coordinator_review":"[internal evidence reference]"},{"source_id":"R009-P1-S011","urls":["https://www.govinfo.gov/content/pkg/FR-2010-02-22/pdf/2010-624.pdf","https://www.govinfo.gov/content/pkg/FR-2010-02-22/pdf/2010-624.pdf?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"R009-P1-S011","Issuer/title and complete literal HTTPS URLs":"Federal Reserve/GPO, Truth in Lending, final rule, 75 FR 7658, February 22, 2010. https://www.govinfo.gov/content/pkg/FR-2010-02-22/pdf/2010-624.pdf","Exact clauses and actual read bounds":"Fresh selected reading: action/effective/mandatory-compliance text; allocation discussion beginning at § 226.53 and continuing through the minimum, rate-date, dispute, and equal-rate explanation. Not a read of all 268 pages.","Page / PDF index / image extent":"Printed 7658, PDF 0, image inspected; selected text at 7726–7727, PDF 68–69. Other search-returned passages are not asserted as whole-page reads.","Version, effective predicate, and currentness limit":"Historical final rule, not current Part 1026 text. Effective February 22, 2010; listed § 226.10 and §§ 226.51–58 had that mandatory compliance date. Used for historical implementation, not to override current text."},"coordinator_verification_status":"fresh_selected_partial_group","coordinator_review":"[internal evidence reference]"},{"source_id":"R009-P1-S012","urls":["https://www.govinfo.gov/content/pkg/FR-2025-12-15/pdf/2025-22814.pdf","https://www.govinfo.gov/content/pkg/FR-2025-12-15/pdf/2025-22814.pdf?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"R009-P1-S012","Issuer/title and complete literal HTTPS URLs":"Federal Reserve/CFPB/GPO, Truth in Lending (Regulation Z), final rules; official interpretations, 90 FR 57882, December 15, 2025. https://www.govinfo.gov/content/pkg/FR-2025-12-15/pdf/2025-22814.pdf","Exact clauses and actual read bounds":"Fresh selected reading: action/effective clause, 2026 threshold explanation, and operative CFPB comments 3(b)-3.xvii, -4, -6(i), -7, -8. Surrounding closed-end commentary was encountered but not made a new closed-end investigation.","Page / PDF index / image extent":"Printed 57882–57883, PDF 0–1, selected text; 57887–57888, PDF 5–6, selected operative text. Image 5 inspected.","Version, effective predicate, and currentness limit":"Final and effective January 1, 2026; states $73,400 for January 1–December 31, 2026. No future-year threshold inferred."},"coordinator_verification_status":"fresh_selected_partial_group","coordinator_review":"[internal evidence reference]"},{"source_id":"R009-P1-S013","urls":["https://www.consumerfinance.gov/rules-policy/regulations/1026/versions/10/","https://www.consumerfinance.gov/rules-policy/regulations/1026/versions/10/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"R009-P1-S013","Issuer/title and complete literal HTTPS URLs":"CFPB, All versions of 12 CFR Part 1026. https://www.consumerfinance.gov/rules-policy/regulations/1026/versions/10/","Exact clauses and actual read bounds":"Fresh metadata reading, especially the current-version entry.","Page / PDF index / image extent":"HTML; N/A.","Version, effective predicate, and currentness limit":"Lists April 8, 2026 as current. A Part-level version index is not a section-specific amendment history, official annual CFR edition, or complete lag audit."},"coordinator_verification_status":"fresh_metadata_route_failure","coordinator_review":"[internal evidence reference]"},{"source_id":"R009-P1-S014","urls":["https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section1666c&num=0&edition=prelim","https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section1666d&num=0&edition=prelim","https://uscode.house.gov/us/usc/t15/s1666c/","https://uscode.house.gov/us/usc/t15/s1666d/","https://uscode.house.gov/view.xhtml?req=%28title%3A15+section%3A1666c+edition%3Aprelim%29","https://uscode.house.gov/view.xhtml?req=%28title%3A15+section%3A1666d+edition%3Aprelim%29","https://uscode.house.gov/us/usc/119-134/t15/s1666c/","https://uscode.house.gov/us/usc/119-134/t15/s1666d/","https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section1666c&num=0&edition=prelim&utm_source=chatgpt.com","https://uscode.house.gov/us/usc/t15/s1666c/?utm_source=chatgpt.com","https://uscode.house.gov/view.xhtml?req=(title:15+section:1666c+edition:prelim)&utm_source=chatgpt.com"],"researcher_record":{"Source ID":"R009-P1-S014","Complete literal HTTPS URLs attempted":"House current/preliminary routes: a. https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section1666c&num=0&edition=prelim; b. https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section1666d&num=0&edition=prelim; c. https://uscode.house.gov/us/usc/t15/s1666c/; d. https://uscode.house.gov/us/usc/t15/s1666d/; e. https://uscode.house.gov/view.xhtml?req=%28title%3A15+section%3A1666c+edition%3Aprelim%29; f. https://uscode.house.gov/view.xhtml?req=%28title%3A15+section%3A1666d+edition%3Aprelim%29; g. https://uscode.house.gov/us/usc/119-134/t15/s1666c/; h. https://uscode.house.gov/us/usc/119-134/t15/s1666d/","Actual result and effect":"a–b and f returned fetch/404 failures; c–d and g–h were inaccessible through the tool; e returned a maintenance page. Newer compilation descriptions appeared in search results but were discovery only. Current House operative bodies not recovered."},"coordinator_verification_status":"fresh_current_route_failures","coordinator_review":"[internal evidence reference]"},{"source_id":"R009-P1-S015","urls":["https://www.govinfo.gov/content/pkg/USCODE-2025-title15/html/USCODE-2025-title15-chap41-subchapI-partD-sec1666c.htm","https://www.govinfo.gov/content/pkg/USCODE-2025-title15/html/USCODE-2025-title15-chap41-subchapI-partD-sec1666d.htm","https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap41-subchapI-partD-sec1666d.htm","https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap41-subchapI-partB-sec1665d.htm","https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap41-subchapI-partD-sec1666j.htm","https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap41-subchapI-partB-sec1637.htm"],"researcher_record":{"Source ID":"R009-P1-S015","Complete literal HTTPS URLs attempted":"GovInfo unsuccessful HTML routes: a. https://www.govinfo.gov/content/pkg/USCODE-2025-title15/html/USCODE-2025-title15-chap41-subchapI-partD-sec1666c.htm; b. https://www.govinfo.gov/content/pkg/USCODE-2025-title15/html/USCODE-2025-title15-chap41-subchapI-partD-sec1666d.htm; c. https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap41-subchapI-partD-sec1666d.htm; d. https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap41-subchapI-partB-sec1665d.htm; e. https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap41-subchapI-partD-sec1666j.htm; f. https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap41-subchapI-partB-sec1637.htm","Actual result and effect":"All returned inaccessible results. a–b did not establish a 2025 edition. c and f were recovered in edition-specific PDFs. d was an unsuccessful exploratory citation route and supplies no conclusion. e was followed by the PDF in S017; it was not the payment-method-fee authority. Correct fee authority was recovered in § 1637(l), S004."},"coordinator_verification_status":"unreopened_failed_formats_history","coordinator_review":"[internal evidence reference]"},{"source_id":"R009-P1-S016","urls":["https://www.ecfr.gov/current/title-12/chapter-X/part-1026/appendix-Supplement%20I%20to%20Part%201026","https://www.ecfr.gov/current/title-12/chapter-X/part-1026/appendix-Supplement%20I%20to%20Part%201026?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"R009-P1-S016","Complete literal HTTPS URLs attempted":"OFR, full Supplement I: https://www.ecfr.gov/current/title-12/chapter-X/part-1026/appendix-Supplement%20I%20to%20Part%201026","Actual result and effect":"Retrieval failed because content exceeded the tool’s size limit. This was not treated as absence of official commentary. Necessary comments were read in the CFPB section bodies; additional threshold text was read in S012."},"coordinator_verification_status":"unreopened_oversized_route_history","coordinator_review":"[internal evidence reference]"},{"source_id":"R009-P1-S017","urls":["https://www.govinfo.gov/content/pkg/USCODE-2024-title15/pdf/USCODE-2024-title15-chap41-subchapI-partD-sec1666j.pdf","https://www.consumerfinance.gov/rules-policy/regulations/1026/13/","https://www.consumerfinance.gov/rules-policy/regulations/1026/interp-10/","https://www.consumerfinance.gov/rules-policy/regulations/1026/interp-11/","https://www.consumerfinance.gov/rules-policy/regulations/1026/interp-53/","https://www.consumerfinance.gov/rules-policy/regulations/1026/interp-3/","https://www.govinfo.gov/content/pkg/USCODE-2024-title15/pdf/USCODE-2024-title15-chap41-subchapI-partD-sec1666j.pdf?utm_source=chatgpt.com","https://www.consumerfinance.gov/rules-policy/regulations/1026/13/?utm_source=chatgpt.com","https://www.consumerfinance.gov/rules-policy/regulations/1026/interp-3/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"R009-P1-S017","Complete literal HTTPS URLs attempted":"Auxiliary opened routes: https://www.govinfo.gov/content/pkg/USCODE-2024-title15/pdf/USCODE-2024-title15-chap41-subchapI-partD-sec1666j.pdf; https://www.consumerfinance.gov/rules-policy/regulations/1026/13/; https://www.consumerfinance.gov/rules-policy/regulations/1026/interp-10/; https://www.consumerfinance.gov/rules-policy/regulations/1026/interp-11/; https://www.consumerfinance.gov/rules-policy/regulations/1026/interp-53/; https://www.consumerfinance.gov/rules-policy/regulations/1026/interp-3/","Actual result and effect":"§ 1666j’s selected text concerned state-law applicability and was not used as the fee rule or as a state-law analysis. § 13 was opened/searched but not used as a completed billing-error investigation. Standalone interpretation routes were navigation/duplicate access; the complete payment/refund/allocation comment readings claimed above are the integrated bodies in S006–S008. No separate corroboration count."},"coordinator_verification_status":"unreopened_unused_navigation_history","coordinator_review":"[internal evidence reference]"}],"coverage":[{"topic":"CV01 — Consumer/open-end gateway","researcher_record":{"Coverage ID / assigned branch":"CV01 — Consumer/open-end gateway","Status and reason":"Answered generically.","Claim / example links":"C001–C002","Exact missing authority or facts":"Actual purpose, plan terms.","Next bounded permissible investigation":"Additional public interpretation only if a particular product category is separately assigned."},"raw_table_index":11,"coordinator_acceptance":"scoped_review_with_explicit_source_form_actualfact_and_parent_holds","coordinator_review":"[internal evidence reference]"},{"topic":"CV02 — Creditor/card issuer/agent","researcher_record":{"Coverage ID / assigned branch":"CV02 — Creditor/card issuer/agent","Status and reason":"Answered generically.","Claim / example links":"C003","Exact missing authority or facts":"Actual agency/issuer relationship.","Next bounded permissible investigation":"Published legal treatment of a defined actor category, without entity searches."},"raw_table_index":11,"coordinator_acceptance":"scoped_review_with_explicit_source_form_actualfact_and_parent_holds","coordinator_review":"[internal evidence reference]"},{"topic":"CV03 — Cardholder/joint/authorized user","researcher_record":{"Coverage ID / assigned branch":"CV03 — Cardholder/joint/authorized user","Status and reason":"Partial: necessary definition answered; liability and refund ownership excluded.","Claim / example links":"C004","Exact missing authority or facts":"Agreement, assent, ownership, applicable contract law.","Next bounded permissible investigation":"Separate generic joint-obligation/refund-ownership study."},"raw_table_index":11,"coordinator_acceptance":"scoped_review_with_explicit_source_form_actualfact_and_parent_holds","coordinator_review":"[internal evidence reference]"},{"topic":"CV04 — General/store/secured/cash-advance/transfer labels","researcher_record":{"Coverage ID / assigned branch":"CV04 — General/store/secured/cash-advance/transfer labels","Status and reason":"Answered for operational gateway only.","Claim / example links":"C007; E05, E14","Exact missing authority or facts":"Actual plan and balance features.","Next bounded permissible investigation":"Separate subtype-specific public-law pass if needed."},"raw_table_index":11,"coordinator_acceptance":"scoped_review_with_explicit_source_form_actualfact_and_parent_holds","coordinator_review":"[internal evidence reference]"},{"topic":"CV05 — Charge cards","researcher_record":{"Coverage ID / assigned branch":"CV05 — Charge cards","Status and reason":"Answered for necessary inclusion and operational predicates.","Claim / example links":"C006","Exact missing authority or facts":"Actual minimum/full-payment requirement and balances.","Next bounded permissible investigation":"Charge-card lifecycle issues remain a separate assignment."},"raw_table_index":11,"coordinator_acceptance":"scoped_review_with_explicit_source_form_actualfact_and_parent_holds","coordinator_review":"[internal evidence reference]"},{"topic":"CV06 — Home-secured exclusion versus general rules","researcher_record":{"Coverage ID / assigned branch":"CV06 — Home-secured exclusion versus general rules","Status and reason":"Answered.","Claim / example links":"C005, C011; E11","Exact missing authority or facts":"Actual § 40 classification.","Next bounded permissible investigation":"Separate home-equity payment allocation/servicing law, without borrowing card rules."},"raw_table_index":11,"coordinator_acceptance":"scoped_review_with_explicit_source_form_actualfact_and_parent_holds","coordinator_review":"[internal evidence reference]"},{"topic":"CV07 — Business/mixed use","researcher_record":{"Coverage ID / assigned branch":"CV07 — Business/mixed use","Status and reason":"Answered for the official card-use distinction.","Claim / example links":"C008; E10","Exact missing authority or facts":"Issuance purpose and any actual conversion.","Next bounded permissible investigation":"Narrow public mixed-purpose/conversion interpretation study if assigned."},"raw_table_index":11,"coordinator_acceptance":"scoped_review_with_explicit_source_form_actualfact_and_parent_holds","coordinator_review":"[internal evidence reference]"},{"topic":"CV08 — Overdraft/hybrid-prepaid boundary","researcher_record":{"Coverage ID / assigned branch":"CV08 — Overdraft/hybrid-prepaid boundary","Status and reason":"Partial: express exclusions/exception identified.","Claim / example links":"C005","Exact missing authority or facts":"Full § 61 feature predicates and product facts.","Next bounded permissible investigation":"Separate hybrid-prepaid classification pass."},"raw_table_index":11,"coordinator_acceptance":"scoped_review_with_explicit_source_form_actualfact_and_parent_holds","coordinator_review":"[internal evidence reference]"},{"topic":"CV09 — High-value exemption","researcher_record":{"Coverage ID / assigned branch":"CV09 — High-value exemption","Status and reason":"Answered for necessary 2026 and historical-route gates.","Claim / example links":"C009–C010","Exact missing authority or facts":"Opening/initial-extension/commitment/security history.","Next bounded permissible investigation":"Public historical-version study for a specified period, no account investigation."},"raw_table_index":11,"coordinator_acceptance":"scoped_review_with_explicit_source_form_actualfact_and_parent_holds","coordinator_review":"[internal evidence reference]"},{"topic":"CV10 — Date of receipt versus posting","researcher_record":{"Coverage ID / assigned branch":"CV10 — Date of receipt versus posting","Status and reason":"Answered.","Claim / example links":"C012–C014; E01–E02","Exact missing authority or facts":"Actual receipt/effective credit.","Next bounded permissible investigation":"No further generic authority necessary for the stated distinction."},"raw_table_index":11,"coordinator_acceptance":"scoped_review_with_explicit_source_form_actualfact_and_parent_holds","coordinator_review":"[internal evidence reference]"},{"topic":"CV11 — Check collection and mailing","researcher_record":{"Coverage ID / assigned branch":"CV11 — Check collection and mailing","Status and reason":"Answered; no postmark presumption invented.","Claim / example links":"C014; E01","Exact missing authority or facts":"Receipt event.","Next bounded permissible investigation":"Separate evidentiary-law inquiry only if authorized."},"raw_table_index":11,"coordinator_acceptance":"scoped_review_with_explicit_source_form_actualfact_and_parent_holds","coordinator_review":"[internal evidence reference]"},{"topic":"CV12 — Third-party payor","researcher_record":{"Coverage ID / assigned branch":"CV12 — Third-party payor","Status and reason":"Answered at comment’s scope.","Claim / example links":"C015","Exact missing authority or facts":"Transfer medium, receipt, agency.","Next bounded permissible investigation":"Generic payment-system law only for an expressly assigned unresolved method."},"raw_table_index":11,"coordinator_acceptance":"scoped_review_with_explicit_source_form_actualfact_and_parent_holds","coordinator_review":"[internal evidence reference]"},{"topic":"CV13 — Issuer website/scheduled payment","researcher_record":{"Coverage ID / assigned branch":"CV13 — Issuer website/scheduled payment","Status and reason":"Answered.","Claim / example links":"C016","Exact missing authority or facts":"Authorized date and cutoff.","Next bounded permissible investigation":"None for stated rule; factual application held."},"raw_table_index":11,"coordinator_acceptance":"scoped_review_with_explicit_source_form_actualfact_and_parent_holds","coordinator_review":"[internal evidence reference]"},{"topic":"CV14 — Telephone payments","researcher_record":{"Coverage ID / assigned branch":"CV14 — Telephone payments","Status and reason":"Answered for promoted conformity/cutoff/fee treatment; no universal call-date receipt rule asserted.","Claim / example links":"C018, C020, C028–C029; E04","Exact missing authority or facts":"Completion and receipt method.","Next bounded permissible investigation":"Narrow official interpretation of an assigned telephone mechanism if necessary."},"raw_table_index":11,"coordinator_acceptance":"scoped_review_with_explicit_source_form_actualfact_and_parent_holds","coordinator_review":"[internal evidence reference]"},{"topic":"CV15 — Payroll deduction","researcher_record":{"Coverage ID / assigned branch":"CV15 — Payroll deduction","Status and reason":"Answered for specified voluntary arrangement only.","Claim / example links":"C017","Exact missing authority or facts":"Voluntariness, retained use, debit date.","Next bounded permissible investigation":"Full setoff/Regulation E/prepaid treatment excluded."},"raw_table_index":11,"coordinator_acceptance":"scoped_review_with_explicit_source_form_actualfact_and_parent_holds","coordinator_review":"[internal evidence reference]"},{"topic":"CV16 — Reasonable requirements/location","researcher_record":{"Coverage ID / assigned branch":"CV16 — Reasonable requirements/location","Status and reason":"Answered.","Claim / example links":"C018–C019","Exact missing authority or facts":"Statement language and actual reasonableness.","Next bounded permissible investigation":"Generic model instructions if a new requirements issue is assigned."},"raw_table_index":11,"coordinator_acceptance":"scoped_review_with_explicit_source_form_actualfact_and_parent_holds","coordinator_review":"[internal evidence reference]"},{"topic":"CV17 — Creditor-promoted method","researcher_record":{"Coverage ID / assigned branch":"CV17 — Creditor-promoted method","Status and reason":"Answered.","Claim / example links":"C020; E04","Exact missing authority or facts":"Promotion, cutoff compliance, receipt.","Next bounded permissible investigation":"None for stated rule."},"raw_table_index":11,"coordinator_acceptance":"scoped_review_with_explicit_source_form_actualfact_and_parent_holds","coordinator_review":"[internal evidence reference]"},{"topic":"CV18 — Accepted nonconforming payment","researcher_record":{"Coverage ID / assigned branch":"CV18 — Accepted nonconforming payment","Status and reason":"Answered.","Claim / example links":"C021; E03","Exact missing authority or facts":"Specification, acceptance, defect, timing.","Next bounded permissible investigation":"No actual tender investigation authorized."},"raw_table_index":11,"coordinator_acceptance":"scoped_review_with_explicit_source_form_actualfact_and_parent_holds","coordinator_review":"[internal evidence reference]"},{"topic":"CV19 — Financial-institution branch","researcher_record":{"Coverage ID / assigned branch":"CV19 — Financial-institution branch","Status and reason":"Answered.","Claim / example links":"C022; E12","Exact missing authority or facts":"Financial-institution status, branch, closing.","Next bounded permissible investigation":"Generic actor/category law only."},"raw_table_index":11,"coordinator_acceptance":"scoped_review_with_explicit_source_form_actualfact_and_parent_holds","coordinator_review":"[internal evidence reference]"},{"topic":"CV20 — Retail/affiliate/mail-slot distinctions","researcher_record":{"Coverage ID / assigned branch":"CV20 — Retail/affiliate/mail-slot distinctions","Status and reason":"Answered.","Claim / example links":"C023–C024; E12","Exact missing authority or facts":"Actual relationship and assistance.","Next bounded permissible investigation":"No provider/location lookup authorized."},"raw_table_index":11,"coordinator_acceptance":"scoped_review_with_explicit_source_form_actualfact_and_parent_holds","coordinator_review":"[internal evidence reference]"},{"topic":"CV21 — Next-cycle charge adjustment","researcher_record":{"Coverage ID / assigned branch":"CV21 — Next-cycle charge adjustment","Status and reason":"Answered narrowly.","Claim / example links":"C025","Exact missing authority or facts":"Causation and billing cycle.","Next bounded permissible investigation":"Remedies/awards remain excluded."},"raw_table_index":11,"coordinator_acceptance":"scoped_review_with_explicit_source_form_actualfact_and_parent_holds","coordinator_review":"[internal evidence reference]"},{"topic":"CV22 — No-mail day and method exception","researcher_record":{"Coverage ID / assigned branch":"CV22 — No-mail day and method exception","Status and reason":"Answered.","Claim / example links":"C026–C027; E13","Exact missing authority or facts":"Mail schedule and channel acceptance.","Next bounded permissible investigation":"None for generic rule; no actual calendar calculation."},"raw_table_index":11,"coordinator_acceptance":"scoped_review_with_explicit_source_form_actualfact_and_parent_holds","coordinator_review":"[internal evidence reference]"},{"topic":"CV23 — Payment-method fees","researcher_record":{"Coverage ID / assigned branch":"CV23 — Payment-method fees","Status and reason":"Answered at § 1637(l)/§ 10(e) scope.","Claim / example links":"C028–C029","Exact missing authority or facts":"Live service, expedited crediting, processor role.","Next bounded permissible investigation":"Other fee laws remain separate."},"raw_table_index":11,"coordinator_acceptance":"scoped_review_with_explicit_source_form_actualfact_and_parent_holds","coordinator_review":"[internal evidence reference]"},{"topic":"CV24 — Material issuer procedure changes","researcher_record":{"Coverage ID / assigned branch":"CV24 — Material issuer procedure changes","Status and reason":"Answered, including retail notice branch.","Claim / example links":"C030–C032; E17","Exact missing authority or facts":"Change, causation, dates, charge type.","Next bounded permissible investigation":"No full change-in-terms report rerun."},"raw_table_index":11,"coordinator_acceptance":"scoped_review_with_explicit_source_form_actualfact_and_parent_holds","coordinator_review":"[internal evidence reference]"},{"topic":"CV25 — Available credit/forgiveness","researcher_record":{"Coverage ID / assigned branch":"CV25 — Available credit/forgiveness","Status and reason":"Answered as limits of these provisions.","Claim / example links":"C033; E02","Exact missing authority or facts":"Other law, agreement, payment finality.","Next bounded permissible investigation":"Separate generic available-credit/payment-finality study if assigned."},"raw_table_index":11,"coordinator_acceptance":"scoped_review_with_explicit_source_form_actualfact_and_parent_holds","coordinator_review":"[internal evidence reference]"},{"topic":"CV26 — Minimum versus excess","researcher_record":{"Coverage ID / assigned branch":"CV26 — Minimum versus excess","Status and reason":"Answered.","Claim / example links":"C034–C035; E05","Exact missing authority or facts":"Actual minimum and payment.","Next bounded permissible investigation":"Minimum-payment law and formulas remain held."},"raw_table_index":11,"coordinator_acceptance":"scoped_review_with_explicit_source_form_actualfact_and_parent_holds","coordinator_review":"[internal evidence reference]"},{"topic":"CV27 — Separate balances/rates/reference date","researcher_record":{"Coverage ID / assigned branch":"CV27 — Separate balances/rates/reference date","Status and reason":"Answered.","Claim / example links":"C036","Exact missing authority or facts":"Issuer practice and lawful rates.","Next bounded permissible investigation":"Rate-change authority remains excluded."},"raw_table_index":11,"coordinator_acceptance":"scoped_review_with_explicit_source_form_actualfact_and_parent_holds","coordinator_review":"[internal evidence reference]"},{"topic":"CV28 — Equal rates","researcher_record":{"Coverage ID / assigned branch":"CV28 — Equal rates","Status and reason":"Answered for explicit commentary scenario; all-identical inference identified.","Claim / example links":"C037; E07","Exact missing authority or facts":"Other terms/law or exception.","Next bounded permissible investigation":"Narrow tie-allocation authority if additional legal duties are separately assigned."},"raw_table_index":11,"coordinator_acceptance":"scoped_review_with_explicit_source_form_actualfact_and_parent_holds","coordinator_review":"[internal evidence reference]"},{"topic":"CV29 — Deferred interest versus zero rate/grace","researcher_record":{"Coverage ID / assigned branch":"CV29 — Deferred interest versus zero rate/grace","Status and reason":"Answered.","Claim / example links":"C038–C039","Exact missing authority or facts":"Actual promotion conditions.","Next bounded permissible investigation":"No broad APR/grace-period rerun."},"raw_table_index":11,"coordinator_acceptance":"scoped_review_with_explicit_source_form_actualfact_and_parent_holds","coordinator_review":"[internal evidence reference]"},{"topic":"CV30 — Last two cycles/expiration before due date","researcher_record":{"Coverage ID / assigned branch":"CV30 — Last two cycles/expiration before due date","Status and reason":"Answered.","Claim / example links":"C040–C041; E06","Exact missing authority or facts":"Exact cycles, due dates, expiration.","Next bounded permissible investigation":"No actual deadline calculation authorized."},"raw_table_index":11,"coordinator_acceptance":"scoped_review_with_explicit_source_form_actualfact_and_parent_holds","coordinator_review":"[internal evidence reference]"},{"topic":"CV31 — Consumer request option/default","researcher_record":{"Coverage ID / assigned branch":"CV31 — Consumer request option/default","Status and reason":"Answered.","Claim / example links":"C042–C043","Exact missing authority or facts":"Affirmative instruction, issuer requirements/acceptance.","Next bounded permissible investigation":"None for stated rule."},"raw_table_index":11,"coordinator_acceptance":"scoped_review_with_explicit_source_form_actualfact_and_parent_holds","coordinator_review":"[internal evidence reference]"},{"topic":"CV32 — Secured-balance request","researcher_record":{"Coverage ID / assigned branch":"CV32 — Secured-balance request","Status and reason":"Answered at narrow federal scope.","Claim / example links":"C044; E14","Exact missing authority or facts":"Security interest and request.","Next bounded permissible investigation":"State security/contract effects remain excluded."},"raw_table_index":11,"coordinator_acceptance":"scoped_review_with_explicit_source_form_actualfact_and_parent_holds","coordinator_review":"[internal evidence reference]"},{"topic":"CV33 — Disputed amount","researcher_record":{"Coverage ID / assigned branch":"CV33 — Disputed amount","Status and reason":"Partial: allocation interaction answered; qualification/merits/resolution excluded.","Claim / example links":"C045; E15","Exact missing authority or facts":"Full § 12(c)/§ 13 predicates and actual facts.","Next bounded permissible investigation":"Separate billing-error/claims-and-defenses component."},"raw_table_index":11,"coordinator_acceptance":"scoped_review_with_explicit_source_form_actualfact_and_parent_holds","coordinator_review":"[internal evidence reference]"},{"topic":"CV34 — Credit-balance meaning and dollar threshold","researcher_record":{"Coverage ID / assigned branch":"CV34 — Credit-balance meaning and dollar threshold","Status and reason":"Answered.","Claim / example links":"C046–C047; E08","Exact missing authority or facts":"Actual total balance/credits/debits.","Next bounded permissible investigation":"No account accounting or settlement determination."},"raw_table_index":11,"coordinator_acceptance":"scoped_review_with_explicit_source_form_actualfact_and_parent_holds","coordinator_review":"[internal evidence reference]"},{"topic":"CV35 — Written request and seven business days","researcher_record":{"Coverage ID / assigned branch":"CV35 — Written request and seven business days","Status and reason":"Answered generically.","Claim / example links":"C048–C049; E08","Exact missing authority or facts":"Request receipt, business-function calendar.","Next bounded permissible investigation":"No actual deadline."},"raw_table_index":11,"coordinator_acceptance":"scoped_review_with_explicit_source_form_actualfact_and_parent_holds","coordinator_review":"[internal evidence reference]"},{"topic":"CV36 — Electronic request as legally sufficient writing","researcher_record":{"Coverage ID / assigned branch":"CV36 — Electronic request as legally sufficient writing","Status and reason":"Unresolved beyond the commentary’s permitted electronic-refund method.","Claim / example links":"C048, C050","Exact missing authority or facts":"Applicable electronic-writing authority and form of communication.","Next bounded permissible investigation":"Narrow public electronic-writing interpretation study; no request submission."},"raw_table_index":11,"coordinator_acceptance":"scoped_review_with_explicit_source_form_actualfact_and_parent_holds","coordinator_review":"[internal evidence reference]"},{"topic":"CV37 — Oral requests/early refunds/standing orders","researcher_record":{"Coverage ID / assigned branch":"CV37 — Oral requests/early refunds/standing orders","Status and reason":"Answered.","Claim / example links":"C050–C051","Exact missing authority or facts":"Actual method and existing/future balance distinction.","Next bounded permissible investigation":"None for stated rules."},"raw_table_index":11,"coordinator_acceptance":"scoped_review_with_explicit_source_form_actualfact_and_parent_holds","coordinator_review":"[internal evidence reference]"},{"topic":"CV38 — Intervening purchases/debits","researcher_record":{"Coverage ID / assigned branch":"CV38 — Intervening purchases/debits","Status and reason":"Answered as refund-amount rule.","Claim / example links":"C052; E16","Exact missing authority or facts":"Their validity and remaining credit.","Next bounded permissible investigation":"Underlying transaction merits held."},"raw_table_index":11,"coordinator_acceptance":"scoped_review_with_explicit_source_form_actualfact_and_parent_holds","coordinator_review":"[internal evidence reference]"},{"topic":"CV39 — More-than-six-month effort","researcher_record":{"Coverage ID / assigned branch":"CV39 — More-than-six-month effort","Status and reason":"Answered.","Claim / example links":"C053","Exact missing authority or facts":"Credit age and efforts.","Next bounded permissible investigation":"No funds tracing or actual account inquiry."},"raw_table_index":11,"coordinator_acceptance":"scoped_review_with_explicit_source_form_actualfact_and_parent_holds","coordinator_review":"[internal evidence reference]"},{"topic":"CV40 — Last-known address/unlocated consumer","researcher_record":{"Coverage ID / assigned branch":"CV40 — Last-known address/unlocated consumer","Status and reason":"Answered at statutory/regulatory standard.","Claim / example links":"C054–C055; E09","Exact missing authority or facts":"Adequacy and outcome of efforts.","Next bounded permissible investigation":"Generic unclaimed-property/state law only in a separate authorized pass."},"raw_table_index":11,"coordinator_acceptance":"scoped_review_with_explicit_source_form_actualfact_and_parent_holds","coordinator_review":"[internal evidence reference]"},{"topic":"CV41 — Balance of $1 or less","researcher_record":{"Coverage ID / assigned branch":"CV41 — Balance of $1 or less","Status and reason":"Answered as limit of this section; ultimate disposition unresolved.","Claim / example links":"C055","Exact missing authority or facts":"Other applicable property law.","Next bounded permissible investigation":"Separate jurisdiction-specific public-law study."},"raw_table_index":11,"coordinator_acceptance":"scoped_review_with_explicit_source_form_actualfact_and_parent_holds","coordinator_review":"[internal evidence reference]"},{"topic":"CV42 — Closure/zero/unposted/dispute/discount","researcher_record":{"Coverage ID / assigned branch":"CV42 — Closure/zero/unposted/dispute/discount","Status and reason":"Partial: distinctions and textual limits answered; lifecycle/accounting consequences held.","Claim / example links":"C056–C057; E16","Exact missing authority or facts":"Actual closure terms, lawful adjustments, other law.","Next bounded permissible investigation":"Separate closure or accounting component."},"raw_table_index":11,"coordinator_acceptance":"scoped_review_with_explicit_source_form_actualfact_and_parent_holds","coordinator_review":"[internal evidence reference]"},{"topic":"CV43 — Generic model clauses/instructions","researcher_record":{"Coverage ID / assigned branch":"CV43 — Generic model clauses/instructions","Status and reason":"Answered within declared read bounds.","Claim / example links":"C058–C059","Exact missing authority or facts":"Actual applicable disclosure, not queried.","Next bounded permissible investigation":"No need to retrieve unrelated forms."},"raw_table_index":11,"coordinator_acceptance":"scoped_review_with_explicit_source_form_actualfact_and_parent_holds","coordinator_review":"[internal evidence reference]"},{"topic":"CV44 — Clock/proof comparison and worksheet","researcher_record":{"Coverage ID / assigned branch":"CV44 — Clock/proof comparison and worksheet","Status and reason":"Answered as generic analytical framework.","Claim / example links":"C060; clock table; W01–W32","Exact missing authority or facts":"All actual dates, documents, and proof.","Next bounded permissible investigation":"Evidentiary/admissibility study only if separately authorized."},"raw_table_index":11,"coordinator_acceptance":"scoped_review_with_explicit_source_form_actualfact_and_parent_holds","coordinator_review":"[internal evidence reference]"},{"topic":"CV45 — Current official statutory body and full amendment lag","researcher_record":{"Coverage ID / assigned branch":"CV45 — Current official statutory body and full amendment lag","Status and reason":"Partial due retrieval failures and declared audit limit.","Claim / example links":"C061; S014–S016","Exact missing authority or facts":"Successfully retrieved newer statutory body; complete subsequent amendment comparison.","Next bounded permissible investigation":"Recheck public official bodies when accessible; compare published amendments and dated editions."},"raw_table_index":11,"coordinator_acceptance":"scoped_review_with_explicit_source_form_actualfact_and_parent_holds","coordinator_review":"[internal evidence reference]"},{"topic":"CV46 — Parent product/lifecycle/legal dimensions","researcher_record":{"Coverage ID / assigned branch":"CV46 — Parent product/lifecycle/legal dimensions","Status and reason":"Excluded by assignment boundary.","Claim / example links":"Parent holds below","Exact missing authority or facts":"All unaddressed authorities and actual facts.","Next bounded permissible investigation":"Separate bounded components; no parent closure inferred."},"raw_table_index":11,"coordinator_acceptance":"scoped_review_with_explicit_source_form_actualfact_and_parent_holds","coordinator_review":"[internal evidence reference]"}],"annotations":{"at":"2026-10-27T22:21:35.186742+00:00","review":"[internal evidence reference]","disposition":"accepted_with_limits_conditional_federal_card_payment_operations_framework","first_scoped_review_complete":true,"raw_originals_unchanged":true,"independent_review":false,"material_correction_required":false,"whole_text_and_all_tables_reviewed":true,"no_component_or_parent_acceptance":true,"source_currentness_forms_history_and_actual_facts_held":true},"corrections":[],"resolved_corrections":[],"review_history":[{"id":"R009-P01-currentness-form-history-and-application-holds-20261027","status":"conditional_framework_reviewed_all_other_holds_remain","at":"2026-10-27T22:21:35.186742+00:00"}]}