{"meta":{"key":"r011--pass-01","task":"R011","title":"First focused A011 component: federal payment-transfer restrictions and notices under 12 CFR Part 1041","parent_title":"Payday title and small dollar credit","edition":"pass-01","path":"/research/r011--pass-01/","kind":"split_pass","category":"subject","role":"primary_area","area_numbers":[11],"groups":["debt-types"],"date":"2026-10-27","tables":15,"claims":98,"sources":24,"review_status":"scoped_coordinator_review_completed_with_retained_source_currentness_application_holds","review_complete":true,"sha256":"431bcaa3bab59453593fde49cf734c4ff1faaee9ba3677f0a8a901261b86ae35","headings":["First focused A011 component: federal payment-transfer restrictions and notices under 12 CFR Part 1041","Research boundary and reading conventions","1.1 R011-P1-S001 — Current Part 1041 text and official interpretations","1.2 Other primary sources and material retrieval failures","2.1 Version, chronology, authority, and status","2.2 Necessary definitions and coverage","2.3 Payment-transfer definition, failures, sequence, and scope","2.4 Further-transfer authorization and consumer-requested immediate payments","2.5 Notices: form, channel, timing, content, exceptions, and combination","Notice comparison table","Official generic model text actually read","2.6 Records, status definitions, and calendar limits","Self-check — not independent review","Specific unresolved items","Parent holds preserved"],"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":"R011/pass-01","facets":{"geography":["us","us-federal"],"debt_type":[],"stage":[],"subject":["ownership-transfer"]},"scope":"SettleADebt R011 PASS-01 — FIRST FOCUSED A011 COMPONENT: US FEDERAL SMALL-DOLLAR LOAN PAYMENT-TRANSFER ATTEMPT RESTRICTIONS AND REQUIRED NOTICES UNDER 12 CFR PART1041. Independently research published generic authorities; no actual person, lender, institution, consumer, account, property, transaction, license, case-record, docket-status or identifier query. No unreviewed R010 overdraft report or any other unreviewed report is a foundation. Parent A011 includes payday/title/high-cost installment/pawn/tribal/cash-advance/renewal/refinancing/licensing/enforceability; preserve unaddressed questions.","pending_corrections":0},"markdown":"# SettleADebt R011 PASS-01\n\n## First focused A011 component: federal payment-transfer restrictions and notices under 12 CFR Part 1041\n\n**The reviewed text establishes a conditional restriction on further lender-initiated withdrawals after two consecutive qualifying failures from the same consumer account.** The restriction can extend across different payment channels and different covered loans with the same lender. Further transfers can qualify under the new-authorization branch or the consumer-requested single immediate-payment branch. Separate notice and recordkeeping requirements apply. These provisions do **not** establish debt discharge, universal immunity from bank fees, license validity, or a prohibition on every later voluntary payment. [Consumer Financial Protection Bureau+3](https://www.consumerfinance.gov/rules-policy/regulations/1041/8/?utm_source=chatgpt.com)\n\n**Currentness remains qualified.** The eCFR retrieved on October 27, 2026 displayed Title 12 as current through October 23, 2026. The CFPB’s March 28, 2025 announcement described the payment provisions as becoming operative March 30, 2025 and announced limited enforcement and supervision prioritization concerning associated penalties or fines. That announcement is not a repeal. The complete intervening stay chronology and an exhaustive search for later legislation, amendments, or published judicial developments were not established. Those precise applicability and time questions remain open. [ecfr.gov+2](https://www.ecfr.gov/current/title-12/chapter-X/part-1041?utm_source=chatgpt.com)\n\n### Research boundary and reading conventions\n\nThe actual research date was **October 27, 2026, America/Los_Angeles, PDT, UTC−07:00**. A clock check during the research showed **3:26:23 p.m. PDT**. Publication dates, effective dates, compliance dates, and displayed compilation dates below are different facts.\n\nThis investigation used public primary sources and published opinions. No R010 report, other unreviewed report, prior chat, actual account document, person or lender lookup, license search, case-record search, docket-status query, submission, contact, or identifier test supplied a foundation.\n\nIn the tables:\n\n- **R** means regulatory text as retrieved, subject to the currentness limitations stated here.\n- **I** means an official interpretation accompanying that text.\n- **S** means statutory text.\n- **H** means historical authority or a historical procedural event.\n- **P** means agency policy or enforcement prioritization.\n- **INF** means a stated inference from the cited provisions.\n- **U** means unresolved.\n- Short references such as **C021**, **S001**, and **E006** mean the corresponding **R011-P1-** identifiers.\n- “Answered” in the coverage table means that the **generic legal branch** was addressed. It does not mean actual applicability or component acceptance.\n\nAll actual classification, contract, authorization, payment, return, notice, consent, and timing facts remain held.\n\n# 1. Source register\n\n## 1.1 R011-P1-S001 — Current Part 1041 text and official interpretations\n\nThese are views of **the same regulatory body**, not independent corroborating authorities. The complete operative bodies of the listed CFPB sections and their relevant embedded official interpretations were read. The eCFR was additionally used for its currency statement, § 1041.1, and Supplement I comment 7-1, which was not exposed in the CFPB section-navigation list.\n\n**Issuer/jurisdiction:** CFPB; U.S. federal regulation and official interpretations.\n**Actual check date:** October 27, 2026 PDT.\n**Version predicate:** CFPB pages labeled their version current; eCFR displayed Title 12 current through October 23, 2026. The eCFR expressly identifies itself as authoritative but unofficial, rather than an official legal edition of the CFR. The title-wide amendment date is not a Part 1041 amendment date.\n**Reading status:** Fresh body reads in this assignment; no prior-report reuse. HTML has no PDF page index.\n**Currentness limit:** This is not a complete annual-CFR or Federal Register/session-law lag audit. [ecfr.gov](https://www.ecfr.gov/current/title-12/chapter-X/part-1041?utm_source=chatgpt.com)\n\n| S001 view | Complete literal HTTPS URL | Exact reading bounds and use |\n| --- | --- | --- |\n| eCFR Part 1041 | [https://www.ecfr.gov/current/title-12/chapter-X/part-1041](https://www.ecfr.gov/current/title-12/chapter-X/part-1041?utm_source=chatgpt.com) | Currency and legal-edition statements; authority/source notes; § 1041.1; selected operative cross-checks; Supplement I comment 7-1. The entire consolidated eCFR page was not independently reread end to end. |\n| Definitions | [https://www.consumerfinance.gov/rules-policy/regulations/1041/2/](https://www.consumerfinance.gov/rules-policy/regulations/1041/2/?utm_source=chatgpt.com) | Complete § 1041.2(a)–(b), including reserved paragraphs and embedded interpretations. |\n| Coverage | [https://www.consumerfinance.gov/rules-policy/regulations/1041/3/](https://www.consumerfinance.gov/rules-policy/regulations/1041/3/?utm_source=chatgpt.com) | Complete § 1041.3(a)–(h), all eight exclusions, both conditional exemptions, and embedded interpretations. |\n| Identified practice | [https://www.consumerfinance.gov/rules-policy/regulations/1041/7/](https://www.consumerfinance.gov/rules-policy/regulations/1041/7/?utm_source=chatgpt.com) | Complete § 1041.7; comment 7-1 obtained from eCFR and the annual-CFR cross-check. |\n| Payment attempts | [https://www.consumerfinance.gov/rules-policy/regulations/1041/8/](https://www.consumerfinance.gov/rules-policy/regulations/1041/8/?utm_source=chatgpt.com) | Complete § 1041.8(a)–(e) and embedded interpretations, including definitions, counting, authorization, immediate-payment exception, and evasion. |\n| Notices | [https://www.consumerfinance.gov/rules-policy/regulations/1041/9/](https://www.consumerfinance.gov/rules-policy/regulations/1041/9/?utm_source=chatgpt.com) | Complete § 1041.9(a)–(c) and embedded interpretations, including full and short notices, electronic consent, timing, exceptions, and segregation. |\n| Compliance/records | [https://www.consumerfinance.gov/rules-policy/regulations/1041/12/](https://www.consumerfinance.gov/rules-policy/regulations/1041/12/?utm_source=chatgpt.com) | Complete § 1041.12(a)–(b)(5), reserved paragraphs, and interpretations. |\n| Evasion | [https://www.consumerfinance.gov/rules-policy/regulations/1041/13/](https://www.consumerfinance.gov/rules-policy/regulations/1041/13/?utm_source=chatgpt.com) | Complete § 1041.13 and interpretation. |\n| Severability | [https://www.consumerfinance.gov/rules-policy/regulations/1041/14/](https://www.consumerfinance.gov/rules-policy/regulations/1041/14/?utm_source=chatgpt.com) | Complete severability clause; not treated as proof of current judicial status. |\n| Dates | [https://www.consumerfinance.gov/rules-policy/regulations/1041/15/](https://www.consumerfinance.gov/rules-policy/regulations/1041/15/?utm_source=chatgpt.com) | Complete § 1041.15(a)–(c), including the still-printed historical registration and compliance dates. |\n| Appendix A | [https://www.consumerfinance.gov/rules-policy/regulations/1041/a/](https://www.consumerfinance.gov/rules-policy/regulations/1041/a/?utm_source=chatgpt.com) | Complete model-form listing; A-1 and A-2 reserved; A-3 through A-8 cross-references. Actual publisher model text separately read in S015. |\n\n## 1.2 Other primary sources and material retrieval failures\n\nFor every row below, the **actual check date is October 27, 2026 PDT**. “PDF index” is zero-based. PDF reads were text reads unless expressly stated otherwise; no model-form pixel inspection succeeded.\n\n| Source ID | Issuer/title and complete literal HTTPS URLs | Exact clauses, printed pages/PDF indexes, and actual read bounds | Version/effective predicate; reading status and limits |\n| --- | --- | --- | --- |\n| **R011-P1-S002** | U.S. House Office of Law Revision Counsel, **12 USC 5481**: [https://uscode.house.gov/us/usc/119-124/t12/s5481/](https://uscode.house.gov/us/usc/119-124/t12/s5481/?utm_source=chatgpt.com). GPO fallback: [https://www.govinfo.gov/link/uscode/12/5481](https://www.govinfo.gov/link/uscode/12/5481?utm_source=chatgpt.com) | Definitions (1), (4), (19), and (26), including service-provider qualifications and exclusions. Fallback PDF: printed pp. 1939, 1942–1943; indexes 0, 3–4. | U.S. federal statute. House page stated laws in effect through **Public Law 119-124, October 15, 2026**. That is a compilation boundary, not a full later-session-law audit. Fresh reads; fallback edition not independently established. |\n| **R011-P1-S003** | House, **12 USC 5531 and 5532**: [https://uscode.house.gov/us/usc/119-124/t12/s5531/](https://uscode.house.gov/us/usc/119-124/t12/s5531/?utm_source=chatgpt.com) and [https://uscode.house.gov/us/usc/119-124/t12/s5532/](https://uscode.house.gov/us/usc/119-124/t12/s5532/?utm_source=chatgpt.com). GPO: [https://www.govinfo.gov/link/uscode/12/5531](https://www.govinfo.gov/link/uscode/12/5531?utm_source=chatgpt.com) and [https://www.govinfo.gov/link/uscode/12/5532](https://www.govinfo.gov/link/uscode/12/5532?utm_source=chatgpt.com) | § 5531(a)–(e); § 5532(a)–(d). Authority, unfairness/abusiveness criteria, disclosure authority, optional models and associated protection. GPO printed pp. 1971–1973 across the two extracts, indexes 0–1 of each. | U.S. federal statute; same House compilation boundary as S002. Fresh body reads. No individual cause-of-action, standing, or remedy conclusion. |\n| **R011-P1-S004** | CFPB, **Regulation E**: [https://www.consumerfinance.gov/rules-policy/regulations/1005/2/](https://www.consumerfinance.gov/rules-policy/regulations/1005/2/?utm_source=chatgpt.com); [https://www.consumerfinance.gov/rules-policy/regulations/1005/3/](https://www.consumerfinance.gov/rules-policy/regulations/1005/3/?utm_source=chatgpt.com); [https://www.consumerfinance.gov/rules-policy/regulations/1005/10/](https://www.consumerfinance.gov/rules-policy/regulations/1005/10/?utm_source=chatgpt.com); [https://www.consumerfinance.gov/rules-policy/regulations/1005/17/](https://www.consumerfinance.gov/rules-policy/regulations/1005/17/?utm_source=chatgpt.com) | § 1005.2(b), relevant account comments, (i), (k); § 1005.3(a), complete (b)(1)–(3) and comments; § 1005.10(b)–(e)(1) and necessary comments; § 1005.17(a) and comment 17(a)-1 only. | U.S. federal regulation/interpretations, current-labeled agency pages. Fresh reads of these bounds only. No complete Reg E, overdraft, error-resolution, or fee-liability review. HTML; PDF indexes N/A. |\n| **R011-P1-S005** | CFPB, **Regulation Z**: [https://www.consumerfinance.gov/rules-policy/regulations/1026/2/](https://www.consumerfinance.gov/rules-policy/regulations/1026/2/?utm_source=chatgpt.com); [https://www.consumerfinance.gov/rules-policy/regulations/1026/3/](https://www.consumerfinance.gov/rules-policy/regulations/1026/3/?utm_source=chatgpt.com); [https://www.consumerfinance.gov/rules-policy/regulations/1026/5/](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/1026/46/](https://www.consumerfinance.gov/rules-policy/regulations/1026/46/?utm_source=chatgpt.com) | § 1026.2(a)(14), (15)(ii), (17)(v), (20), and relevant comments; § 1026.3(a) and selected primary-purpose comments; § 1026.5(b)(2)(ii) and timing comments; § 1026.7(b) introductory/selected text only; complete § 1026.46(b)(5) and its comments 1–4. | U.S. federal regulation/interpretations. Fresh bounded reads. § 1026.7 was **not** fully reviewed. §§ 1026.4, .14 and .22 were identified through Part 1041’s incorporation but a complete finance-charge/APR calculation review remains held. |\n| **R011-P1-S006** | NCUA/eCFR, **12 CFR 701.21**: [https://www.ecfr.gov/current/title-12/chapter-VII/subchapter-A/part-701/section-701.21](https://www.ecfr.gov/current/title-12/chapter-VII/subchapter-A/part-701/section-701.21?utm_source=chatgpt.com) | Complete (c)(7)(i)–(iii); selected (iv) comparison. PALs I mandatory conditions distinguished from associated best-practice guidance. | U.S. federal credit-union regulation. Fresh text read. The currently applicable Board-set general interest ceiling was **not separately verified**; no fixed current PAL rate is asserted. |\n| **R011-P1-S007** | Federal Reserve/eCFR, **Regulation CC, 12 CFR 229.2**: [https://www.ecfr.gov/current/title-12/chapter-II/subchapter-A/part-229/subpart-A/section-229.2](https://www.ecfr.gov/current/title-12/chapter-II/subchapter-A/part-229/subpart-A/section-229.2) | Complete paragraph (fff), remotely created check definition. | U.S. federal regulation. Fresh limited body read; no actual instrument classification. |\n| **R011-P1-S008** | FTC/eCFR, **16 CFR 310.2**: [https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.2](https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.2?utm_source=chatgpt.com) | Current paragraphs (cc) and (dd), particularly the complete remotely created payment-order definition at (dd). | U.S. federal regulation. Fresh body read. Establishes the numbering mismatch with the still-printed Part 1041 reference to (cc). |\n| **R011-P1-S009** | FTC, **Telemarketing Sales Rule**, 89 FR 26760: [https://www.federalregister.gov/documents/2024/04/16/2024-07180/telemarketing-sales-rule](https://www.federalregister.gov/documents/2024/04/16/2024-07180/telemarketing-sales-rule); official PDF [https://www.govinfo.gov/content/pkg/FR-2024-04-16/pdf/2024-07180.pdf](https://www.govinfo.gov/content/pkg/FR-2024-04-16/pdf/2024-07180.pdf?utm_source=chatgpt.com) | Printed p. 26760/index 0, dates/summary; p. 26783/index 23, complete amendatory instruction 2 redesignating former (aa)–(hh) as (bb)–(ii). Not all 27 PDF pages read. | Published April 16, 2024; relevant amendment effective **May 16, 2024**. Fresh final-rule text read. |\n| **R011-P1-S010** | Congress/GPO, **E-SIGN, 15 USC 7001 and 7006**: [https://www.govinfo.gov/link/uscode/15/7001](https://www.govinfo.gov/link/uscode/15/7001?utm_source=chatgpt.com); [https://www.govinfo.gov/link/uscode/15/7006](https://www.govinfo.gov/link/uscode/15/7006?utm_source=chatgpt.com) | § 7001(a)–(b), printed p. 2304/index 0; selected subsequent text only. § 7006(4), (5), (9), printed p. 2309/index 0. | U.S. federal statute. Fresh bounded reads; extract edition not independently established. No claim of a complete § 7001(c)–(d) audit. Part 1041’s own delivery/signature distinctions control the discussion below. |\n| **R011-P1-S011** | Congress/GPO, **FLSA, 29 USC 203(d)**: [https://www.govinfo.gov/link/uscode/29/203](https://www.govinfo.gov/link/uscode/29/203?utm_source=chatgpt.com) | Complete employer definition (d), printed p. 63/index 0. | U.S. federal statute. Fresh fallback read; extract edition not independently established. No actual employment classification. |\n| **R011-P1-S012** | CFPB, **2017 final Payday, Vehicle Title, and Certain High-Cost Installment Loans Rule**, 82 FR 54472–54921: [https://www.govinfo.gov/content/pkg/FR-2017-11-17/html/2017-21808.htm](https://www.govinfo.gov/content/pkg/FR-2017-11-17/html/2017-21808.htm?utm_source=chatgpt.com) | Complete front summary/dates and selected relevant preamble passages. Codified regulatory text begins at printed p. 54871; current operative clauses were read through S001. The entire 450-page publication was not read. | Published November 17, 2017; effective **January 16, 2018**; original general compliance **August 19, 2019**. Fresh HTML body read after size failures. PDF indexes unavailable because PDF retrieval failed. Historical original rule. |\n| **R011-P1-S013** | CFPB, **2019 delay/correcting amendments**, 84 FR 27907: [https://www.federalregister.gov/documents/2019/06/17/2019-12307/payday-vehicle-title-and-certain-high-cost-installment-loans-delay-of-compliance-date-correcting](https://www.federalregister.gov/documents/2019/06/17/2019-12307/payday-vehicle-title-and-certain-high-cost-installment-loans-delay-of-compliance-date-correcting?utm_source=chatgpt.com); official PDF [https://www.govinfo.gov/content/pkg/FR-2019-06-17/pdf/2019-12307.pdf](https://www.govinfo.gov/content/pkg/FR-2019-06-17/pdf/2019-12307.pdf?utm_source=chatgpt.com) | Printed p. 27907/index 0, dates, summary and footnote 5; selected pp. 27922–27923/indexes 15–16; complete amendatory instructions 2–8 at p. 27929/index 22. Not the full 24-page preamble. | Published June 17, 2019; effective **August 16, 2019**. Historical underwriting delay to November 19, 2020 and technical corrections. Fresh text read. |\n| **R011-P1-S014** | CFPB, **2020 revocation final rule**, 85 FR 44382: [https://www.federalregister.gov/documents/2020/07/22/2020-14935/payday-vehicle-title-and-certain-high-cost-installment-loans](https://www.federalregister.gov/documents/2020/07/22/2020-14935/payday-vehicle-title-and-certain-high-cost-installment-loans?utm_source=chatgpt.com); official PDF [https://www.govinfo.gov/content/pkg/FR-2020-07-22/pdf/2020-14935.pdf](https://www.govinfo.gov/content/pkg/FR-2020-07-22/pdf/2020-14935.pdf?utm_source=chatgpt.com) | Printed p. 44382/index 0, dates/summary; complete amendatory instructions 1–10, pp. 44444–44445/indexes 62–63. Revised operative comments also read through S001. Not the entire 65-page preamble. | Published July 22, 2020; effective **October 20, 2020**. Revoked specified underwriting provisions; did not repeal the payment regime. Fresh text read. |\n| **R011-P1-S015** | CFPB, **Payday Lending Rule—Model Forms and Clauses**, May 2019: [https://files.consumerfinance.gov/f/documents/cfpb_payday_lending-models-disclosures-and-clauses.pdf](https://files.consumerfinance.gov/f/documents/cfpb_payday_lending-models-disclosures-and-clauses.pdf?utm_source=chatgpt.com) | Entire extracted text of seven PDF pages: cover index 0; A-3 index 1; A-4 index 2; A-5 index 3; A-6 index 4; A-7 index 5; A-8 index 6. Printed numeric page labels were not established. | Official generic models, dated May 2019. Fresh **parsed-text** read. Six screenshot attempts returned placeholders without inspectable image content. **Pixels, typography and full visual layout not inspected.** |\n| **R011-P1-S016** | GPO, **2025 annual CFR, Part 1041**: [https://www.govinfo.gov/content/pkg/CFR-2025-title12-vol9/pdf/CFR-2025-title12-vol9-part1041.pdf](https://www.govinfo.gov/content/pkg/CFR-2025-title12-vol9/pdf/CFR-2025-title12-vol9-part1041.pdf?utm_source=chatgpt.com) | Edition/header at printed p. 1029/index 0; Supplement I comment 7-1 at p. 1054/index 25; selected cross-check passages. Not all 37 pages read. | Official annual edition revised **January 1, 2025**. Fresh selected text read; historical edition, not proof of October 2026 completeness. Same regulatory body as S001. |\n| **R011-P1-S017** | Fifth Circuit, **Community Financial Services Association of America, Ltd. v. CFPB**, 51 F.4th 616 (2022): [https://www.ca5.uscourts.gov/opinions/pub/21/21-50826-CV0.pdf](https://www.ca5.uscourts.gov/opinions/pub/21/21-50826-CV0.pdf?utm_source=chatgpt.com) | Published panel majority, October 19, 2022. Printed pp. 1–15/indexes 0–14 read through overlapping body opens; beginning of p. 16/index 15; selected pp. 37–39/indexes 36–38, including disposition. Relevant pinpoints: p. 6 procedural history; p. 9 n.1; pp. 12–16 payment-rule challenges; p. 39 disposition. | U.S. federal appellate authority, Fifth Circuit. **Historical funding holding/vacatur reversed in 2024.** Not the entire opinion read; later history checked only to the extent S018–S019 establish. No docket query. |\n| **R011-P1-S018** | Supreme Court, **CFPB v. Community Financial Services Association of America, Ltd.**, 601 U.S. 416 (2024): [https://www.supremecourt.gov/opinions/23pdf/601us2r21_7648.pdf](https://www.supremecourt.gov/opinions/23pdf/601us2r21_7648.pdf?utm_source=chatgpt.com) | Actual Thomas majority passages, not merely syllabus: printed pp. 420–421/indexes 5–6; pp. 423–425/indexes 8–10; p. 435/index 20; p. 441/index 26, including reversal/remand. Selected other passages encountered; not all 58 PDF pages or the whole majority read. | Decided **May 16, 2024**. Official preliminary print, subject to revision. U.S. Supreme Court. Narrow Appropriations Clause holding; no comprehensive Part 1041 or later-history certificate. |\n| **R011-P1-S019** | Fifth Circuit, **published remand opinion**, 104 F.4th 930 (2024): [https://www.ca5.uscourts.gov/opinions/pub/21/21-50826-CV1.pdf](https://www.ca5.uscourts.gov/opinions/pub/21/21-50826-CV1.pdf?utm_source=chatgpt.com) | Entire two-page per curiam opinion: printed pp. 1–2/indexes 0–1. | Published **June 19, 2024**. Reinstated the judgment on alternative arguments and rendered judgment consistent with the Supreme Court’s funding holding. No later docket/mandate-status investigation. |\n| **R011-P1-S020** | CFPB, **“CFPB Offers Regulatory Relief for Small Loan Providers”**: [https://www.consumerfinance.gov/about-us/newsroom/cfpb-offers-regulatory-relief-for-small-loan-providers/](https://www.consumerfinance.gov/about-us/newsroom/cfpb-offers-regulatory-relief-for-small-loan-providers/?utm_source=chatgpt.com) | Entire operative announcement paragraphs. | Dated **March 28, 2025**; stated payment provisions become operative **March 30, 2025**. Agency enforcement/supervision prioritization, **not a legislative rule repealing Part 1041**. Fresh body read. |\n| **R011-P1-S021** | CFPB, **Payday Lending Rule compliance resources**: [https://www.consumerfinance.gov/compliance/compliance-resources/consumer-lending-resources/payday-lending-rule/](https://www.consumerfinance.gov/compliance/compliance-resources/consumer-lending-resources/payday-lending-rule/?utm_source=chatgpt.com) | Main resource-page body, including the continued link to S020. | Page displayed last modification **June 1, 2026**. Fresh status/resource read. Resource-page currency is not a complete legal-currentness audit. |\n| **R011-P1-S022** | CFPB, **Withdrawn Guidance register**: [https://www.consumerfinance.gov/compliance/guidance/withdrawn-guidance/](https://www.consumerfinance.gov/compliance/guidance/withdrawn-guidance/?utm_source=chatgpt.com) | Entire displayed withdrawal list read, including relevant earned-wage-access, education-credit and overdraft entries. | Displayed last modification **July 22, 2026**. Fresh register read. No circular, bulletin or advisory was used as a substantive foundation here. Absence from the list is not an exhaustive status certificate. |\n| **R011-P1-S023** | CFPB, **Interpretive Rules, Policy Statements, and Advisory Opinions; Withdrawal**, 90 FR 20084: [https://www.federalregister.gov/documents/2025/05/12/2025-08286/interpretive-rules-policy-statements-and-advisory-opinions-withdrawal](https://www.federalregister.gov/documents/2025/05/12/2025-08286/interpretive-rules-policy-statements-and-advisory-opinions-withdrawal?utm_source=chatgpt.com); official PDF [https://www.govinfo.gov/content/pkg/FR-2025-05-12/pdf/2025-08286.pdf](https://www.govinfo.gov/content/pkg/FR-2025-05-12/pdf/2025-08286.pdf?utm_source=chatgpt.com) | Printed p. 20084/index 0, summary/dates; p. 20085/index 1, operative withdrawal discussion; selected § II. Entire § III PDF list not independently read; S022 supplied the complete displayed register. | Applicable **May 12, 2025**. Fresh bounded publication read. Guidance withdrawal is not statutory or regulatory repeal. |\n| **R011-P1-S024** | GPO, attempted **2026 annual CFR Part 1041**: [https://www.govinfo.gov/content/pkg/CFR-2026-title12-vol9/pdf/CFR-2026-title12-vol9-part1041.pdf](https://www.govinfo.gov/content/pkg/CFR-2026-title12-vol9/pdf/CFR-2026-title12-vol9-part1041.pdf) | **Body retrieval failed.** No pages or pixels read. | Failure record only; no authority inferred from failure. The 2026 annual-edition verification remains unresolved. |\n\n# 2. Atomic claim register and substantive findings\n\n## 2.1 Version, chronology, authority, and status\n\n| Claim ID | Precise claim, trigger, conditions and exceptions | Status and limits | Source and pinpoint |\n| --- | --- | --- | --- |\n| **R011-P1-C001** | The retrieved eCFR displayed Title 12 current through **October 23, 2026**, while the actual access occurred October 27. Its title-wide “last amended” date does not establish when Part 1041 itself last changed. | **R/U.** October 23–27 currency and any publication/compilation lag remain unresolved. | S001, eCFR header and legal-edition statement. [ecfr.gov](https://www.ecfr.gov/current/title-12/chapter-X/part-1041?utm_source=chatgpt.com) |\n| **R011-P1-C002** | Part 1041 rests on Title X authority; §§ 5531 and 5532 distinguish unfair/abusive-practice rulemaking from disclosure and model-form authority. The regulation, its official interpretations, an enforcement announcement, and a court holding are different kinds of authority. | **S/R.** No individual remedy or all-law safe harbor follows merely from this authority structure. | S001 § 1041.1; S003 §§ 5531(a)–(e), 5532(a)–(d). [uscode.house.gov+2](https://uscode.house.gov/us/usc/119-124/t12/s5531/?utm_source=chatgpt.com) |\n| **R011-P1-C003** | The 2017 final rule became effective **January 16, 2018**, with an original general compliance date of **August 19, 2019**. Current § 1041.15(c) still prints that compliance date for its listed payment-related provisions. | **H/R.** Printed dates alone do not resolve subsequent judicial stays. The obsolete registration cross-reference in § 1041.15(b) is not an active registration instruction here. | S012 dates; S001 § 1041.15(a)–(c). [govinfo.gov+1](https://www.govinfo.gov/content/pkg/FR-2017-11-17/html/2017-21808.htm?utm_source=chatgpt.com) |\n| **R011-P1-C004** | The 2019 final rule delayed specified **underwriting-related** provisions to November 19, 2020 and made corrections; it did not convert the payment provisions’ printed compliance date to that underwriting date. | **H.** Effective August 16, 2019. The later 2020 revocation superseded the delayed underwriting regime. | S013, 84 FR 27907 and 27929, amendatory instructions 2–8. [govinfo.gov+1](https://www.govinfo.gov/content/pkg/FR-2019-06-17/pdf/2019-12307.pdf?utm_source=chatgpt.com) |\n| **R011-P1-C005** | Effective **October 20, 2020**, the CFPB removed/reserved the former mandatory-underwriting provisions, associated information-system provisions, specified definitions, record provisions and models A-1/A-2. It retained the payment provisions and revised the loan-agreement retention requirement. | **H/R.** The surviving alternative-loan recurring-income documentation condition in § 1041.3(e)(3) was not erased. | S014, 85 FR 44444–44445, instructions 1–10; S001 §§ 3(e)(3), 7–9, 12. [govinfo.gov+2](https://www.govinfo.gov/content/pkg/FR-2020-07-22/pdf/2020-14935.pdf?utm_source=chatgpt.com) |\n| **R011-P1-C006** | Official published sources report a **November 6, 2018 stay of the compliance date**. The 2022 published opinion also describes litigation-stay developments. These are distinct procedural matters. | **H/U.** The original stay orders and complete later stay/mandate chain were not read; no case-record or docket search was made. March 30, 2025 is reported from S020, not calculated from an assumed remaining-day count. | S013, p. 27907 n.5; S017, printed p. 6. [govinfo.gov+1](https://www.govinfo.gov/content/pkg/FR-2019-06-17/pdf/2019-12307.pdf?utm_source=chatgpt.com) |\n| **R011-P1-C007** | The Fifth Circuit’s 2022 majority rejected the reviewed statutory/APA payment-rule challenges, including arguments concerning debit/prepaid channels and different installments, but held the funding arrangement unconstitutional and vacated the rule. Its unfairness analysis did not separately decide abusiveness. | **H—funding holding and vacatur later reversed.** The 2022 vacatur must not be described as the current disposition. | S017, pp. 9 n.1, 12–16, 39; actual majority text. [ca5.uscourts.gov+2](https://www.ca5.uscourts.gov/opinions/pub/21/21-50826-CV0.pdf?utm_source=chatgpt.com) |\n| **R011-P1-C008** | The Supreme Court’s May 16, 2024 majority held the CFPB’s statutory funding arrangement satisfied the Appropriations Clause and **reversed and remanded**. | **Published judicial holding.** This was a funding holding, not a decision validating every payment-rule application, every lender, or every possible challenge. | S018, 601 U.S. 420–425, 435, 441; PDF indexes 5–10, 20, 26. [supremecourt.gov+2](https://www.supremecourt.gov/opinions/23pdf/601us2r21_7648.pdf?utm_source=chatgpt.com) |\n| **R011-P1-C009** | On June 19, 2024, the Fifth Circuit reinstated its judgment affirming rejection of the alternative arguments and rendered judgment consistent with the Supreme Court’s constitutional funding holding. | **Published judicial disposition.** Full later history beyond the reviewed publications remains held. | S019, entire two-page opinion. [ca5.uscourts.gov](https://www.ca5.uscourts.gov/opinions/pub/21/21-50826-CV1.pdf?utm_source=chatgpt.com) |\n| **R011-P1-C010** | The March 28, 2025 CFPB announcement said it would not prioritize enforcement or supervision actions concerning penalties or fines associated with the payment-withdrawal and payment-disclosure provisions once operative **March 30, 2025**; it also contemplated a future proposed narrowing. | **P.** Nonprioritization is not repeal, vacatur, a stay, blanket immunity, or an adopted amendment. The contemplated proposal was not treated as operative law. | S020, operative announcement paragraphs; S021 continued resource link. [Consumer Financial Protection Bureau+1](https://www.consumerfinance.gov/about-us/newsroom/cfpb-offers-regulatory-relief-for-small-loan-providers/?utm_source=chatgpt.com) |\n| **R011-P1-C011** | Targeted official-source searches did not establish a later final repeal, congressional disapproval, amendment, or published decision displacing the reviewed payment text. | **U.** A failure to establish a later change is not proof none exists. The annual-CFR failure, eCFR October 23 boundary, House October 15 compilation boundary, and incomplete later litigation history prevent an exhaustive October 27 applicability certificate. | S001, S002–S003, S017–S024; search/read log below. |\n| **R011-P1-C012** | The CFPB Withdrawn Guidance register and May 2025 withdrawal publication were checked. No CFPB circular, bulletin, or advisory was relied on for the substantive rules in this report. | **P/H.** Withdrawn guidance is distinct from the regulation, statute, or published judgment. Withdrawal does not repeal those authorities. | S022 full displayed register; S023 operative withdrawal text. [Consumer Financial Protection Bureau+1](https://www.consumerfinance.gov/compliance/guidance/withdrawn-guidance/?utm_source=chatgpt.com) |\n| **R011-P1-C013** | Part 1041 still prints **16 CFR 310.2(cc)** for remotely created payment orders. Current FTC text places that definition at **(dd)**; the 2024 final rule explains the redesignation, effective May 16, 2024. | **R/H; INF as to effect.** The printed Part 1041 reference is preserved here, not silently corrected. Its broad, nonexclusive payment-transfer definition remains relevant independently; an actual instrument’s legal classification is held. | S001 §§ 8(a)(1)(i)(D), 9(b)(2)(ii)(B)(6), comment 3(c)-2; S008 (cc)–(dd); S009 amendatory instruction 2. [Consumer Financial Protection Bureau+2](https://www.consumerfinance.gov/rules-policy/regulations/1041/8/?utm_source=chatgpt.com) |\n\n## 2.2 Necessary definitions and coverage\n\n| Claim ID | Precise claim, trigger, conditions and exceptions | Status and limits | Source and pinpoint |\n| --- | --- | --- | --- |\n| **R011-P1-C014** | “Consumer” incorporates 12 USC 5481(4): an individual, including an agent, trustee, or representative acting for an individual. | **S/R.** No actual person or representative relationship classified. | S001 § 2(a)(4), (b); S002 § 5481(4). [uscode.house.gov+1](https://uscode.house.gov/us/usc/119-124/t12/s5481/?utm_source=chatgpt.com) |\n| **R011-P1-C015** | A lender is a person regularly extending credit primarily for personal, family or household purposes. Comment 2(a)(13)-1 imports the regularity test in Reg Z § 1026.2(a)(17)(v) and counts **all such consumer loans**, not only Part 1041 covered loans. The ordinary thresholds are more than 25 extensions, or more than 5 dwelling-secured extensions, in the preceding calendar year; if unmet, apply the current year. The separate high-cost-mortgage branch uses more than one qualifying extension, or one or more through a mortgage broker, in any 12 months. | **R/I.** No lender-volume, mortgage, license, or organizational finding. | S001 § 2(a)(13), comment 2(a)(13)-1; S005 § 1026.2(a)(17)(v). [Consumer Financial Protection Bureau+1](https://www.consumerfinance.gov/rules-policy/regulations/1041/2/?utm_source=chatgpt.com) |\n| **R011-P1-C016** | “Account” incorporates Reg E § 1005.2(b), including consumer deposit/other asset accounts within that definition and qualifying prepaid accounts; a bona fide trust account is excluded by (b)(2). | **R/I.** A card label alone does not establish a qualifying account. Detailed actual prepaid/account classification is held. | S001 § 2(a)(1), (b); S004 § 1005.2(b) and comments. [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/rules-policy/regulations/1005/2/?utm_source=chatgpt.com) |\n| **R011-P1-C017** | “Credit” incorporates Reg Z’s right to defer payment of debt or incur debt and defer its payment. Closed-end credit is credit that is not Part 1041 open-end credit. Part 1041 adapts Reg Z’s open-end definition but does **not** require a right to impose a finance charge. | **R/I.** Repeated-transaction and replenishment features still matter; labels do not decide structure. | S001 §§ 2(a)(3), (11), (16), (b); S005 § 1026.2(a)(14), (20) and relevant comments. [Consumer Financial Protection Bureau+1](https://www.consumerfinance.gov/rules-policy/regulations/1041/2/?utm_source=chatgpt.com) |\n| **R011-P1-C018** | Consummation occurs when the consumer becomes contractually obligated on a new loan or a modification increasing an existing loan’s amount. Applicable law determines that obligation; a preliminary financial commitment alone is insufficient. | **R/I.** No contract formation or governing-law conclusion. | S001 § 2(a)(5), comment 2(a)(5)-1. [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/rules-policy/regulations/1041/2/?utm_source=chatgpt.com) |\n| **R011-P1-C019** | “Affiliate” and “service provider” incorporate § 5481(1) and (26). Material assistance in offering/providing consumer financial products can qualify; the statute contains limitations for solely general business support and advertising, among others. Credit-access/service organizations can be service providers when the material-service test is met. | **S/R/I.** Service-provider status and agency attribution require their own facts; affiliation does not automatically make every affiliate the same lender for the two-failure count. | S001 §§ 2(a)(2), (18), comment 2(a)(18)-1; S002 § 5481(1), (26)(A)–(C). [uscode.house.gov+1](https://uscode.house.gov/us/usc/119-124/t12/s5481/?utm_source=chatgpt.com) |\n| **R011-P1-C020** | Coverage requires a lender making household-purpose closed- or open-end credit that satisfies at least one § 3(b) predicate and is neither excluded under (d) nor conditionally exempt under (e) or (f). | **R/I.** “Payday,” “title,” “pawn,” “installment,” “cash advance,” or “tribal” is not a substitute for the predicates. | S001 § 3(a)–(b), comments 3(b)-1–2. [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/rules-policy/regulations/1041/3/?utm_source=chatgpt.com) |\n| **R011-P1-C021** | The short-term branch covers single-advance closed-end credit requiring substantially the entire loan within **45 days of consummation**; other structures use substantially the entire advance within **45 days of that advance**. “Substantially” is a facts-and-circumstances substantial-majority test. A qualifying deposit-sweep right can satisfy it even without an actual deposit. Voluntary early repayment alone does not. | **R/I.** No invented percentage threshold. For ambiguous schedules, whether nonpayment within the period would breach the agreement under applicable law matters. | S001 § 3(b)(1), comments 3(b)(1)-1–5. [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/rules-policy/regulations/1041/3/?utm_source=chatgpt.com) |\n| **R011-P1-C022** | For loans outside the short-term branch, the balloon branch includes a required substantially entire single payment more than 45 days after consummation/advance, or a required payment more than twice another payment. It also covers specified multi-advance structures whose minimums may not amortize the balance and whose final payment could exceed twice the other minimums. Scheduled principal and charges count; actual unanticipated late/default/over-limit charges and default acceleration are excluded from this comparison. | **R/I.** This is not a calculation of any actual balloon or default balance. | S001 § 3(b)(2)(i)–(ii), comments 3(b)(2)-1–4. [Consumer Financial Protection Bureau+1](https://www.consumerfinance.gov/rules-policy/regulations/1041/3/?utm_source=chatgpt.com) |\n| **R011-P1-C023** | The residual longer-term branch requires **both** cost of credit exceeding **36% per annum** and a leveraged payment mechanism. Closed-end cost is measured at consummation. Section 2(a)(6) incorporates Reg Z finance charges and the specified closed-/open-end calculation methods. | **R/I.** The 36% predicate is not a usury cap and is not a prerequisite for the short-term or balloon branches. Complete APR/fee calculations remain held. | S001 §§ 2(a)(6), 3(b)(3)(i)–(ii). [Consumer Financial Protection Bureau+1](https://www.consumerfinance.gov/rules-policy/regulations/1041/2/?utm_source=chatgpt.com) |\n| **R011-P1-C024** | Open-end cost is tested at consummation and, if not then above 36%, at each billing-cycle end. A cycle with a finance charge and zero principal satisfies the cost condition. Once met, the cost condition remains met for the plan’s duration. A loan may become covered later when both cost and mechanism predicates coincide. | **R/I.** Comment 3(b)(3)-3 illustrates compliance beginning with the next billing cycle after a cycle-end crossing; no actual cycle or date calculated. | S001 § 3(b)(3)(i)(B), comments 3(b)(3)-1–3. [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/rules-policy/regulations/1041/3/?utm_source=chatgpt.com) |\n| **R011-P1-C025** | A leveraged payment mechanism is a right of the lender/service provider to pull money from the consumer’s account without further consumer action, on one occasion or repeatedly. It includes qualifying checks, EFT authority, remotely created instruments and internal setoff. A contractual right to elect future/default authorization can suffice. Consumer-controlled bank bill pay is a push; a qualifying single immediate payment request alone is excluded from this mechanism definition. | **R/I.** The immediate-payment exclusion from the mechanism definition does not exempt an otherwise covered short-term/balloon loan. | S001 § 3(c), comments 3(c)-1–4 and 3(b)(3)(ii)-1–2. [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/rules-policy/regulations/1041/3/?utm_source=chatgpt.com) |\n| **R011-P1-C026** | **Purchase-money exclusion:** credit solely and expressly financing the consumer’s initial purchase of a good, secured by that good, is excluded whether or not the security interest is perfected/recorded. Specified taxes and legally required licensing/registration costs can be included. A refinance of purchase credit does not qualify for this exclusion. | **R/I.** Existing-collateral title lending is not automatically initial-purchase financing. | S001 § 3(d)(1), comment 3(d)(1)-1. [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/rules-policy/regulations/1041/3/?utm_source=chatgpt.com) |\n| **R011-P1-C027** | **Real-property/dwelling exclusion:** credit secured by real property, or personal property used/expected to be used as a dwelling, is excluded only if the lender records or otherwise perfects the security interest within the loan term. | **R/I.** Mere contractual security language without the specified perfection/recording condition is insufficient for this exclusion. | S001 § 3(d)(2), comment 3(d)(2)-1. [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/rules-policy/regulations/1041/3/?utm_source=chatgpt.com) |\n| **R011-P1-C028** | **Credit-card exclusion:** a credit-card account under an open-end, not home-secured consumer credit plan as defined in Reg Z § 1026.2(a)(15)(ii) is excluded. | **R.** Using a debit/prepaid card to repay another loan does not make that loan an excluded credit-card account. | S001 § 3(d)(3); S005 § 1026.2(a)(15)(ii). [Consumer Financial Protection Bureau+1](https://www.consumerfinance.gov/rules-policy/regulations/1041/3/?utm_source=chatgpt.com) |\n| **R011-P1-C029** | **Education exclusion:** qualifying HEA Title IV credit and “private education loans” under § 1026.46(b)(5) are excluded. The latter definition requires specified postsecondary educational purpose and excludes open-end and real-property/dwelling-secured credit; it also excludes certain institution-creditor arrangements, including terms of 90 days or less, or no-interest terms of one year or less. | **R.** A student-purpose label alone is insufficient. Underlying HEA program and educational-institution facts remain held; the entire HEA was not reviewed. | S001 § 3(d)(4); S005 § 1026.46(b)(5) and comments. [Consumer Financial Protection Bureau+2](https://www.consumerfinance.gov/rules-policy/regulations/1041/3/?utm_source=chatgpt.com) |\n| **R011-P1-C030** | **Pawn exclusion:** the lender must have sole physical possession and use of the property throughout the loan term, and its sole recourse must be retaining that property if not redeemed. Consumer possession/use, even limited use, defeats that condition; personal deficiency liability of the consumer, cosigner or guarantor defeats sole recourse. | **R/I.** Pawn/title labels alone do not establish exclusion. Forfeiture and collateral law remain held. | S001 § 3(d)(5), comment 3(d)(5)-1. [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/rules-policy/regulations/1041/3/?utm_source=chatgpt.com) |\n| **R011-P1-C031** | **Overdraft exclusion:** overdraft services defined by Reg E § 1005.17(a), and overdraft lines excluded from that definition by § 1005.17(a)(1), are excluded. | **R/I.** This exclusion was independently read. It does not incorporate any unreviewed R010 fee analysis or establish bank-fee immunity. | S001 § 3(d)(6), comment 3(d)(6)-1; S004 § 1005.17(a). [Consumer Financial Protection Bureau+1](https://www.consumerfinance.gov/rules-policy/regulations/1041/3/?utm_source=chatgpt.com) |\n| **R011-P1-C032** | **Wage-advance exclusion:** credit must be advanced by an FLSA employer or its business partner to employees, only against accrued earned cash wages. Before advancement, the contract must warrant, for the advancing entity and relevant partners: no charges other than program participation; no legal/contractual remedy for nonpayment; and no collection, debt placement/sale, or consumer-reporting activity if unpaid as specified. | **R/I.** A one-time account authorization is not itself inconsistent with the no-remedy warranty. Accrued wages depend on state-law entitlement upon separation, which is held. | S001 § 3(d)(7)(i)–(ii)(A)–(C), comments; S011 § 203(d). [Consumer Financial Protection Bureau+1](https://www.consumerfinance.gov/rules-policy/regulations/1041/3/?utm_source=chatgpt.com) |\n| **R011-P1-C033** | **No-cost-advance exclusion:** no charge or fee may be required for eligibility or receipt, and before advancement the contract must warrant no legal/contractual nonpayment remedy and no collection, placement/sale as debt, or consumer reporting if unpaid on the scheduled date. | **R/I.** A one-time account authorization is permitted by the comment; “no interest” alone is not the full exclusion. | S001 § 3(d)(8)(i)–(ii), comment 3(d)(8)-1. [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/rules-policy/regulations/1041/3/?utm_source=chatgpt.com) |\n| **R011-P1-C034** | **Alternative-loan terms:** closed-end; term **one through six months**; principal **$200 through $1,000**; at least two substantially equal payments at substantially equal intervals; complete amortization; no charges beyond the rate/application fees allowed by the cited NCUA PALs I provision. | **R/I.** Minor cents/calendar variations can be disregarded as specified. Interest-only or front-loaded interest/fee schedules do not satisfy full-amortization conditions. The comment’s illustrative variation is not a universal percentage safe harbor. | S001 § 3(e)(1)(i)–(v), comments 3(e)(1)(iv)-1–3 and (v)-1. [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/rules-policy/regulations/1041/3/?utm_source=chatgpt.com) |\n| **R011-P1-C035** | Before an alternative loan, the lender must determine from its own records that the consumer would not be indebted on more than three outstanding alternative loans from that lender within the specified consecutive **180-day** period, and must have no more than one alternative loan at a time. The period runs from 180 days before consummation through consummation. | **R/I.** This is not merely a count of origination dates. An outside consumer report is not required by this condition. | S001 § 3(e)(2), comments 3(e)(2)-1–4. [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/rules-policy/regulations/1041/3/?utm_source=chatgpt.com) |\n| **R011-P1-C036** | An alternative-loan lender must maintain and follow policies for documenting proof of recurring income. | **R/I.** This limited condition survives; it is not reinstatement of the revoked comprehensive ability-to-repay provisions. | S001 § 3(e)(3), comment 3(e)(3)-1; S014. [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/rules-policy/regulations/1041/3/?utm_source=chatgpt.com) |\n| **R011-P1-C037** | A federal credit-union loan complying with **§ 701.21(c)(7)(iii), PALs I**, receives the § 3(e)(4) safe harbor. Its conditions include the relevant amount/term/amortization limits, borrowing limits, membership period, restricted rollovers, actual-cost application fee capped at **$20**, lending-policy/aggregate limits, and the rate formula tied to the current Board ceiling. | **R/I, partial rate verification.** This is not a blanket credit-union or PALs II exemption. The rate formula is 1,000 basis points above the applicable general ceiling; that current ceiling was not independently established. Other-law permissibility remains necessary. | S001 § 3(e)(4), comment 3(e)-1; S006 § 701.21(c)(7)(iii). [Consumer Financial Protection Bureau+1](https://www.consumerfinance.gov/rules-policy/regulations/1041/3/?utm_source=chatgpt.com) |\n| **R011-P1-C038** | **Accommodation exemption:** at consummation, lender and affiliates together must have made no more than **2,500** covered loans in both the current and preceding calendar years, plus satisfy the **10% receipts** test for the latest completed operating tax year, or the specified reasonable current-year forecast for a new lender. Specified covered longer-term loans whose transfers all meet § 8(a)(1)(ii), and their receipts, are excluded from these calculations. | **R/I.** Forecasts must reasonably account for known substantial changes. Actual affiliate aggregation, counts and receipts are held. | S001 § 3(f)(1)–(3), comments 3(f)-1–2. [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/rules-policy/regulations/1041/3/?utm_source=chatgpt.com) |\n| **R011-P1-C039** | For accommodation lending, receipts are defined using total income—or sole-proprietor gross income—plus cost of goods sold. Specified capital gains/losses, pass-through taxes and amounts collected for another are excluded; earned fees and listed business costs are not generally deducted. “Tax year” uses the stated annual-accounting-period meaning. | **R.** No tax return, receipts calculation, tax advice, or IRS form audit performed. | S001 § 3(g)–(h). [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/rules-policy/regulations/1041/3/?utm_source=chatgpt.com) |\n| **R011-P1-C040** | None of these generic definitions establishes coverage, exclusion, exemption, sovereign authority, or enforceability for any actual payday/title/pawn/installment/tribal/advance arrangement. | **U/INF.** Actual classification and all held state, tribal, country and contract questions remain open. | S001 §§ 2–3; particularly comment 3(e)-1 preserving other applicable law. [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/rules-policy/regulations/1041/3/?utm_source=chatgpt.com) |\n\n## 2.3 Payment-transfer definition, failures, sequence, and scope\n\n| Claim ID | Precise claim, trigger, conditions and exceptions | Status and limits | Source and pinpoint |\n| --- | --- | --- | --- |\n| **R011-P1-C041** | A payment transfer is a lender-initiated debit/withdrawal from a consumer account to collect an amount due **or purportedly due** on a covered loan. Agent-initiated withdrawals count. Scheduled payments, partial amounts, acceleration amounts and fees can qualify; a disputed or legally unowed amount can still be a payment transfer. | **R/I.** Calling the amount disputed does not remove the transfer from the rule; the debt’s validity itself is held. | S001 § 8(a)(1), comments 8(a)(1)-1–3. [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/rules-policy/regulations/1041/8/?utm_source=chatgpt.com) |\n| **R011-P1-C042** | The definition is method-neutral and nonexclusive: EFTs, debit/prepaid-card transfers, signature checks processed through check or ACH networks, remotely created checks/orders, and qualifying internal transfers, sweeps and setoff can count. A paper-check transaction need not be a Reg E EFT to be a Part 1041 payment transfer. | **R/I.** The FTC cross-reference mismatch in C013 remains flagged. | S001 § 8(a)(1)(i)(A)–(E), comments; S004 § 1005.3(b); S007–S009. [Consumer Financial Protection Bureau+2](https://www.consumerfinance.gov/rules-policy/regulations/1041/8/?utm_source=chatgpt.com) |\n| **R011-P1-C043** | Consumer cash payment, consumer bank online/mobile bill payment, and repayment pursuant to a valid account-garnishment court order are examples the interpretation does not treat as lender-initiated payment transfers. | **I.** This does not decide a garnishment order’s validity or authorize litigation/collection action. | S001 comment 8(a)(1)-4. [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/rules-policy/regulations/1041/8/?utm_source=chatgpt.com) |\n| **R011-P1-C044** | An account-holding lender’s transfer is excluded only when **both** contractual protections were effective when the loan was made and remain through its duration: no insufficient-funds-related charge other than a legally permitted loan late fee; and no account closure in response to the negative balance caused by the covered-loan transfer. | **R/I.** A discretionary fee waiver is insufficient. Closure for a different specified reason may remain possible. This is a transfer exclusion, not a blanket loan exemption; excluded transfers are outside §§ 7–9 for that transaction. | S001 § 8(a)(1)(ii)(A)–(B), all accompanying comments. [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/rules-policy/regulations/1041/8/?utm_source=chatgpt.com) |\n| **R011-P1-C045** | Section 7 identifies the specified further-withdrawal practice as unfair and abusive; comment 7-1 states that compliance with § 8 means the lender has not committed **that identified practice** for the covered loan. | **R/I.** The statement is not an all-law safe harbor or license validation. | S001 § 7 and Supplement I comment 7-1; S016 p. 1054/index 25. [Consumer Financial Protection Bureau+1](https://www.consumerfinance.gov/rules-policy/regulations/1041/7/?utm_source=chatgpt.com) |\n| **R011-P1-C046** | After two consecutive qualifying failures, the lender must not initiate further payment transfers from **that account** for covered loans the consumer has with **that lender**, absent an applicable exception. The failures can involve different covered loans; old contractual authorization or a postdated check does not itself remove the bar. | **R/I.** Affiliation alone is not an instruction to pool every lender’s counts. Actual lender/agent identity relationships remain held. | S001 § 8(b)(1), comments 8(b)-1–4. [Consumer Financial Protection Bureau+1](https://www.consumerfinance.gov/rules-policy/regulations/1041/8/?utm_source=chatgpt.com) |\n| **R011-P1-C047** | Ordinarily, a qualifying failure is a return unpaid or decline **because of insufficient funds**. A return for another reason, such as an incorrectly entered account number, is not a failed transfer for this prohibition. | **R/I.** A “returned” label alone is insufficient; the reason matters. No actual return code was queried or classified. | S001 § 8(b)(1), comments 8(b)(1)-1 and -3. [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/rules-policy/regulations/1041/8/?utm_source=chatgpt.com) |\n| **R011-P1-C048** | For a nonexcluded transfer by the account-holding lender, an amount exceeding available funds is a failed transfer even if internally coded differently or fully paid through overdraft. Merely observing insufficient funds and deferring the debit is not an initiated failed transfer. | **R/I.** Apply the account-holding exclusion first; no universal “paid means successful” assumption. | S001 § 8(b)(1), comment 8(b)(1)-4. [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/rules-policy/regulations/1041/8/?utm_source=chatgpt.com) |\n| **R011-P1-C049** | A qualifying failure is a first failure when no other relevant transfer has been initiated from the account, when the immediately preceding transfer was successful, or when it is the first failure following a valid § 8(c) authorization. | **R.** These are the actual listed branches; no generic reset based on elapsed time is supplied. | S001 § 8(b)(2)(i)(A)–(C). [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/rules-policy/regulations/1041/8/?utm_source=chatgpt.com) |\n| **R011-P1-C050** | A qualifying failure is the second consecutive failure when the immediately preceding transfer was a first failed transfer. Transfers initiated simultaneously or on the same day can supply the sequence. Different channels do not prevent counting. | **R/I.** Splitting an attempted collection does not necessarily create separate fresh counting periods. | S001 § 8(b)(2)(ii)–(iii), comments 8(b)(2)(ii)-1–2 and 8(b)(2)(iii)-1. [Consumer Financial Protection Bureau+1](https://www.consumerfinance.gov/rules-policy/regulations/1041/8/?utm_source=chatgpt.com) |\n| **R011-P1-C051** | The prohibition attaches when the lender **or its agent** receives the second qualifying return. For the account-holding lender’s applicable transfer, it attaches on initiation of the second qualifying failed transfer. | **I.** Internal lender knowledge cannot automatically be postponed beyond processor/agent receipt. | S001 comment 8(b)(1)-2. [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/rules-policy/regulations/1041/8/?utm_source=chatgpt.com) |\n| **R011-P1-C052** | Before the bar, a successful payment transfer supplies the stated reset branch; a cash payment does not because it is not a payment transfer. After the bar, a § 8(d) immediate payment leaves the consecutive-failure count at two whether it succeeds or fails. | **I.** Successful voluntary payment under (d) does not revive the old recurring authority. | S001 comments 8(b)(2)(i)-1 and 8(b)(2)(ii)-3. [Consumer Financial Protection Bureau+1](https://www.consumerfinance.gov/rules-policy/regulations/1041/8/?utm_source=chatgpt.com) |\n| **R011-P1-C053** | The specific bar concerns the affected account. The commentary also distinguishes a bona fide subsequent new loan originated after the bar from a refinance/rollover of a covered loan already subject to it. | **I.** Another account is not automatically prohibited by this particular count, but independent authority and anti-evasion rules still matter. Relabeling/refinancing the existing loan is not the bona fide-new-loan exception. | S001 comments 8(b)-1–4. [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/rules-policy/regulations/1041/8/?utm_source=chatgpt.com) |\n| **R011-P1-C054** | The two-failure restriction regulates collection transfers; it does not itself discharge the debt, validate a license/contract, cancel every possible bank fee, or forbid consumer cash/bank-push payments and properly qualifying (c)/(d) transfers. | **INF**, supported by the rule’s defined scope and express exceptions. Other laws may separately govern those subjects; they are held. | S001 §§ 8(a)–(d), 2(a)(17); C041–C053, C056–C067. [Consumer Financial Protection Bureau+2](https://www.consumerfinance.gov/rules-policy/regulations/1041/8/?utm_source=chatgpt.com) |\n| **R011-P1-C055** | A non-NSF return is not itself one of the two qualifying failures. However, the text’s separate “immediately preceding successful transfer” language should not be replaced with an assumption that every non-NSF return was successful. | **U for atypical longer mixed sequences.** Exact treatment beyond the expressly read branches remains unresolved where an intervening unsuccessful non-NSF return complicates later counting. | S001 § 8(b)(2)(i)–(ii), comments 8(b)(1)-3 and 8(b)(2)(i)-1. [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/rules-policy/regulations/1041/8/?utm_source=chatgpt.com) |\n\n## 2.4 Further-transfer authorization and consumer-requested immediate payments\n\n| Claim ID | Precise claim, trigger, conditions and exceptions | Status and limits | Source and pinpoint |\n| --- | --- | --- | --- |\n| **R011-P1-C056** | Section 8(c) authorization is **additional to**, not a replacement for, any underlying payment authorization or instrument required by other applicable law. | **I.** Generic original contract language is not automatically the new rule-specific authorization. | S001 § 8(c)(1), comment 8(c)(1)-1. [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/rules-policy/regulations/1041/8/?utm_source=chatgpt.com) |\n| **R011-P1-C057** | Ordinarily, each additional transfer must be authorized by specific **month/day/year, amount and payment channel**. An amount equal to or below the authorized amount satisfies the amount condition; a larger amount does not. | **R/I.** The date/channel and all other conditions still apply; reduced amount alone is insufficient. | S001 § 8(c)(2)(i), comments 8(c)(2)(i)-1–4. [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/rules-policy/regulations/1041/8/?utm_source=chatgpt.com) |\n| **R011-P1-C058** | A § 8(c)-authorized transfer returned for NSF may be reinitiated on or after its authorized date only if that return has not again triggered the prohibition. | **R.** This is a limited date exception, not unlimited retries. | S001 § 8(c)(2)(ii). [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/rules-policy/regulations/1041/8/?utm_source=chatgpt.com) |\n| **R011-P1-C059** | A transfer **solely** collecting a late or returned-item fee can omit a specific date/amount only if advance authorization clearly states that purpose, the **highest possible fee amount**, and the channel. Varying-fee factors must be assumed at their maximum for that disclosure. | **R/I.** This exception does not establish that the fee itself is lawful. | S001 § 8(c)(2)(iii), comments 8(c)(2)(iii)-1–3. [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/rules-policy/regulations/1041/8/?utm_source=chatgpt.com) |\n| **R011-P1-C060** | The lender may **request** the new authorization no earlier than the date it **provides** the consumer-rights notice. The request must contain the specific terms and applicable fee statement. Alternative offers and follow-up requests are not categorically forbidden. | **R/I.** Request timing differs from the later receipt-based condition for obtaining agreement. | S001 § 8(c)(3)(ii), comments 8(c)(3)(ii)-1–2. [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/rules-policy/regulations/1041/8/?utm_source=chatgpt.com) |\n| **R011-P1-C061** | Request terms may be given in writing by mail/in person, or retainable email with qualifying § 9 consent or agreement during a consumer-initiated response to the rights notice. Oral telephone delivery of the required terms requires the consumer to initiate that responsive call and agree during it. Rights notice and request may share a communication if properly segregated. | **R/I.** An outbound lender call may discuss options but does not satisfy the special oral-delivery branch. Electronic provision of request terms is distinguished from electronic signing. | S001 § 8(c)(3)(ii)(A)–(B), all accompanying comments. [Consumer Financial Protection Bureau+1](https://www.consumerfinance.gov/rules-policy/regulations/1041/8/?utm_source=chatgpt.com) |\n| **R011-P1-C062** | The authorization must be signed or otherwise agreed to in writing/electronically in retainable form and obtained no earlier than the consumer’s **receipt** of the rights notice. In-person/electronic receipt is when provided; mailed receipt is the earlier of the **third business day after mailing** or an affirmative response to that mailed notice. | **R/I.** Mailing the request and notice together does not by itself permit obtaining agreement before deemed/actual responsive receipt. | S001 § 8(c)(3)(iii)(A), comments -1–2. [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/rules-policy/regulations/1041/8/?utm_source=chatgpt.com) |\n| **R011-P1-C063** | Electronic agreement must meet the referenced E-SIGN electronic-record/signature requirements. If authorization is granted during an oral telephone communication, the lender must record the call and retain it. | **R/I.** A telephone conversation is not automatically a legally sufficient underlying recurring-EFT authorization under Reg E. | S001 § 8(c)(3)(iii)(A)–(B); S010 §§ 7001(a)–(b), 7006(4), (5), (9). [Consumer Financial Protection Bureau+2](https://www.consumerfinance.gov/rules-policy/regulations/1041/8/?utm_source=chatgpt.com) |\n| **R011-P1-C064** | If the agreement is telephonic or otherwise not immediately retainable, the lender must provide retainable memorialization by the first authorized transfer’s initiation date. Mailing/transmission supplies the provision date; a copy of the audio recording alone is insufficient. Email must meet the specified request-email conditions. | **R/I.** Actual delivery method, content and timing remain unknown. | S001 § 8(c)(3)(iii)(C), comments -1–3. [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/rules-policy/regulations/1041/8/?utm_source=chatgpt.com) |\n| **R011-P1-C065** | A § 8(c) authorization becomes void for that exception when a new § 8(c) authorization is obtained or when two consecutive transfers under it fail. | **R.** No separate comprehensive Part 1041 payment-authorization revocation procedure is invented here. Underlying Reg E rights and § 9 electronic-notice consent revocation are distinct. | S001 § 8(c)(4)(i)–(ii); S004 § 1005.10(c); S001 § 9(a)(4)(ii). [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/rules-policy/regulations/1041/8/?utm_source=chatgpt.com) |\n| **R011-P1-C066** | A “single immediate payment transfer” is a one-time EFT initiated within **one business day after authorization**, or the consumer’s signature check processed through check/ACH within **one business day after provision**. Initiation occurs when the lender/agent sends the transfer beyond its control; an internal handoff alone is insufficient. A mailed check is provided when received. | **R/I.** No actual calendar computation made. | S001 § 8(a)(2)(i)–(ii), comments 8(a)(2)(i)-1 and (ii)-1–2. [Consumer Financial Protection Bureau+1](https://www.consumerfinance.gov/rules-policy/regulations/1041/8/?utm_source=chatgpt.com) |\n| **R011-P1-C067** | After the bar, § 8(d) permits that immediate transfer if its underlying one-time authorization/check is obtained no earlier than the rights-notice provision date **or** the consumer’s affirmative contact about repayment, whichever is earlier. Each request supports one attempt only; another attempt requires a fresh qualifying (c) or (d) basis. | **R/I.** Separate qualifying requests can occur repeatedly, but success does not reset the barred count. The rights-notice duty remains. | S001 § 8(d)(1)–(2), comments 8(d)-1–3 and 8(b)(2)(ii)-3. [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/rules-policy/regulations/1041/8/?utm_source=chatgpt.com) |\n| **R011-P1-C068** | For recurring preauthorized EFTs within Reg E, § 1005.10(b) requires written/similarly authenticated consumer authorization and a copy. Check conversion and returned-item-fee EFTs have their own § 1005.3(b)(2)–(3) authorization/notice predicates. | **R/I, bounded overlay.** Part 1041 compliance does not establish those separate predicates. No full Reg E fee or electronic-transfer audit is supplied. | S004 §§ 1005.2(k), 1005.3(b)(2)–(3), 1005.10(b). [Consumer Financial Protection Bureau+1](https://www.consumerfinance.gov/rules-policy/regulations/1005/3/?utm_source=chatgpt.com) |\n| **R011-P1-C069** | Reg E permits stopping a scheduled preauthorized EFT through oral/written notice to the account institution at least **three business days before** it. The institution may require written confirmation within **14 days**, subject to the contemporaneous instruction/address conditions. The official interpretation separately addresses notice of revoked authorization and blocking future debits. | **R/I.** These are separate rights and predicates, not a conclusion about any actual bank’s duties, deadline or liability. | S004 § 1005.10(c)(1)–(2), comments 10(c)-1–3. [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/rules-policy/regulations/1005/10/?utm_source=chatgpt.com) |\n| **R011-P1-C070** | Reg E’s varying-amount preauthorized-EFT notice generally uses **10 days** before transfer, subject to its informed range/difference option and stated exceptions. Section 1005.10(e)(1) also restricts conditioning credit on repayment by recurring preauthorized EFT, with specified exceptions. | **R/I.** Part 1041’s notice periods do not automatically satisfy these separate rules. This is not a comprehensive Reg E/Reg Z review. | S004 § 1005.10(d), (e)(1) and comments. [Consumer Financial Protection Bureau+1](https://www.consumerfinance.gov/rules-policy/regulations/1005/10/?utm_source=chatgpt.com) |\n| **R011-P1-C071** | Sections 8(e) and 13 prohibit intentional evasion. Substance and circumstances control over labels; knowing or reckless conduct can qualify, and fraud is not a prerequisite. Conduct solely for legitimate business purposes is distinguished. | **R/I.** No actual intent finding. Test transfers or splitting arrangements require facts; the official illustration is not a per se conclusion about every small transfer. | S001 § 8(e), comments 8(e)-1–2; § 13 and comment. [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/rules-policy/regulations/1041/8/?utm_source=chatgpt.com) |\n\n## 2.5 Notices: form, channel, timing, content, exceptions, and combination\n\n| Claim ID | Precise claim, trigger, conditions and exceptions | Status and limits | Source and pinpoint |\n| --- | --- | --- | --- |\n| **R011-P1-C072** | Notices must be clear/conspicuous, understandable and noticeable, and viewable on paper or screen. Oral or recorded notices do not satisfy § 9. They must be retainable, except the **short** notices delivered by text/app; short email notices remain retainable. | **R/I.** The exception does not excuse retention capability for the full electronic notice. | S001 § 9(a)(1)–(3), comments. [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/rules-policy/regulations/1041/9/?utm_source=chatgpt.com) |\n| **R011-P1-C073** | Electronic delivery requires affirmative written/electronic consent to each particular method. The consumer must separately be offered **email**; email alone may be the offered electronic method. | **R/I.** Generic electronic contracting or consent to one channel does not automatically establish consent to another. Section 9 uses its own consent framework without E-SIGN delivery formalities. | S001 § 9(a)(4)(i)(A)–(B), comments 9(a)(2)-1 and 9(a)(4)(i)-1. [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/rules-policy/regulations/1041/9/?utm_source=chatgpt.com) |\n| **R011-P1-C074** | A method can no longer be used after consent is revoked by any reasonable means or the lender receives information that the consumer cannot receive/access notices through it. Another separately consented method may remain available. | **R/I.** After a timely notice already provided, the specified commentary permits the currently disclosed payment to proceed; future unusual notices require alternate delivery. Notice-consent loss is distinct from payment-authorization revocation. | S001 § 9(a)(4)(ii), comments; §§ 9(b)(2)(i)(B)(2), 9(b)(3)(i)(B)(2). [Consumer Financial Protection Bureau+2](https://www.consumerfinance.gov/rules-policy/regulations/1041/9/?utm_source=chatgpt.com) |\n| **R011-P1-C075** | Required notices must be segregated from other materials, allowing only specified identification/branding/navigation additions. Other content cannot surround the required content; it can be in a separate paper/page. Electronic full payment and rights notices must be machine readable and accessible through both browsers and screen readers. | **R/I.** A PDF extension alone does not establish accessibility. | S001 § 9(a)(5)–(6), comment 9(a)(5)-1. [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/rules-policy/regulations/1041/9/?utm_source=chatgpt.com) |\n| **R011-P1-C076** | Use of the official models is optional, but required content, order and format must be substantially similar to the applicable models. The official comment provides a disclosure safe harbor for model use. Another language may be used if English is available on request. | **R/I.** Model use does not excuse timing, consent, truthful population, or other-law defects. | S001 § 9(a)(7)–(8), comment 9(a)(7)-1; Appendix A. [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/rules-policy/regulations/1041/9/?utm_source=chatgpt.com) |\n| **R011-P1-C077** | The first-payment notice concerns the first **scheduled** transfer for a particular covered loan, excluding a qualifying immediate transfer. A loan’s first transfer after becoming covered can be the first withdrawal. Changing authorization later does not automatically create a new first withdrawal. An intervening cash payment can leave the original timely first notice sufficient for the next scheduled withdrawal, subject to unusual-withdrawal duties. | **R/I.** “First payment ever received” is not the test. | S001 § 9(b)(1)(i), comments 9(b)(1)(i)-1–3. [Consumer Financial Protection Bureau+1](https://www.consumerfinance.gov/rules-policy/regulations/1041/9/?utm_source=chatgpt.com) |\n| **R011-P1-C078** | An unusual withdrawal involves one or more of: an amount larger **or smaller** than scheduled; a different/unscheduled date; a channel different from the directly preceding transfer; or reinitiation of a returned transfer. For open-end credit, the amount comparison is to the minimum due disclosed on the periodic statement. | **R/I.** Retry notices are not limited to NSF returns; fee-only/unscheduled collections can trigger amount/date disclosures. | S001 §§ 9(b)(1)(ii), 9(b)(3)(ii)(C)(1)–(4), comments -1–4. [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/rules-policy/regulations/1041/9/?utm_source=chatgpt.com) |\n| **R011-P1-C079** | The § 9(b) payment notice is not required for the initial transfer after valid § 8(c) authorization, even if unusual, or for a qualifying § 8(a)(2) immediate transfer. For an authorized series, the first exception covers only the initial transfer. | **R/I.** These exceptions concern payment notices, not automatic cancellation of the consumer-rights notice. | S001 § 9(b)(1)(iii)(A)–(B), comments -1–2. [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/rules-policy/regulations/1041/9/?utm_source=chatgpt.com) |\n| **R011-P1-C080** | A first-payment notice may be sent no earlier than payment authorization. Mail requires at least **six business days before initiation**; electronic delivery/in person requires at least **three business days**. Mailing/sending, rather than consumer receipt, starts the disclosed notice interval. | **R/I.** No actual holiday or business-day calendar was applied. | S001 § 9(b)(2)(i)(A)–(C), timing comments. [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/rules-policy/regulations/1041/9/?utm_source=chatgpt.com) |\n| **R011-P1-C081** | An unusual-payment notice by mail must be sent **10 through 6 business days before initiation**; electronic/in-person notice uses **7 through 3 business days before initiation**. | **R.** These include an earliest as well as latest permitted point, unlike the first notice’s authorization-based earliest point. Open-end exception addressed separately. | S001 § 9(b)(3)(i)(A)–(C). [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/rules-policy/regulations/1041/9/?utm_source=chatgpt.com) |\n| **R011-P1-C082** | An open-end unusual notice may accompany the Reg Z § 1026.7(b) periodic statement using applicable statement timing. For relevant non-card open-end statements, § 1026.5(b)(2)(ii)(B) supplies the conditional **21-day grace-period** and **14-day late-treatment** timing requirements. | **R, bounded overlay.** Section 9 segregation still applies; this is not permission to bury the notice in unrelated statement text. Full periodic-statement content and any actual statement calendar remain held. | S001 § 9(b)(3)(i)(D); S005 §§ 1026.5(b)(2)(ii)(B), 1026.7(b). [Consumer Financial Protection Bureau+1](https://www.consumerfinance.gov/rules-policy/regulations/1041/9/?utm_source=chatgpt.com) |\n| **R011-P1-C083** | The full first notice requires the prescribed “Upcoming Withdrawal Notice” identification and lender name; initiation date; total transfer amount; enough account information without the full account number; loan identification; specific channel; and a check number when applicable. | **R/I.** Initiation means release beyond lender/agent control to third-party processing. Actual identifying entries were not obtained or invented. | S001 § 9(b)(2)(ii)(A)–(B)(6), comments. [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/rules-policy/regulations/1041/9/?utm_source=chatgpt.com) |\n| **R011-P1-C084** | Its payment-breakdown table must show principal even when zero, accrued interest, applicable fees/other charges, total, and the prescribed applicable interest-only/negative-amortization statement. It also needs lender name, a different transfer-facing name if used, and **two different forms of contact information**. | **R/I.** Fees may be aggregated or separately stated as allowed. No actual amount or fee legality determined. | S001 § 9(b)(2)(ii)(C)(1)–(7), (D), comments. [Consumer Financial Protection Bureau+2](https://www.consumerfinance.gov/rules-policy/regulations/1041/9/?utm_source=chatgpt.com) |\n| **R011-P1-C085** | The unusual notice uses its prescribed alert heading, the basic transfer/breakdown/contact content, and all applicable unusual explanations. A retry explanation includes the prior unsuccessful attempt’s date, amount and reason for return; a channel-change explanation identifies the former channel. | **R/I.** This is not satisfied merely by saying “payment due.” | S001 § 9(b)(3)(ii)(A)–(C). [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/rules-policy/regulations/1041/9/?utm_source=chatgpt.com) |\n| **R011-P1-C086** | Electronic short payment notices contain the identification, date, amount and limited account information, plus a unique URL when the full notice is linked rather than attached as PDF. Unusual short notices add applicable amount/date/channel changes. The short-notice list does not separately enumerate the full notice’s retry-history field. | **R.** The full notice still must contain all applicable retry details. A short notice alone is insufficient. | S001 § 9(b)(4)(i)–(ii)(A)–(B). [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/rules-policy/regulations/1041/9/?utm_source=chatgpt.com) |\n| **R011-P1-C087** | With valid email consent, the lender may put the full notice in the email body, or send the full notice by linked webpage/PDF attachment with the required short notice. The interpretation specifies the identifying statement in email subject and body. Other electronic methods use the full-plus-short structure. | **R/I.** A bare link without required short content is insufficient. | S001 § 9(b)(4)(iii), comments 9(b)(4)-1, 9(b)(4)(ii)(A)-1. [Consumer Financial Protection Bureau+1](https://www.consumerfinance.gov/rules-policy/regulations/1041/9/?utm_source=chatgpt.com) |\n| **R011-P1-C088** | After the two failures described in § 8(b), a consumer-rights notice must be sent no later than **three business days after the lender or agent receives information of the second failure**. | **R/I.** The trigger is information receipt by either; actual processing or management review dates are unknown. | S001 § 9(c)(1)–(2), comment 9(c)(2)-1. [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/rules-policy/regulations/1041/9/?utm_source=chatgpt.com) |\n| **R011-P1-C089** | The full rights notice must identify the lender’s inability to continue withdrawals; describe the two NSF failures or applicable overdraft result; identify the account without its full number and associated covered loans; state the federal permission restriction and possible contact about choices; and tabulate scheduled due dates, attempt dates, amounts and lender-charged fees. The final information must be the prescribed CFPB statement and **[www.cfpb.gov/payday](http://www.cfpb.gov/payday)**. | **R/I.** When the lender holds the account, the fee field includes relevant loan and deposit-account fees. The full account number must not be supplied. | S001 § 9(c)(3)(i)–(viii), comments 9(c)(3)-1–2. [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/rules-policy/regulations/1041/9/?utm_source=chatgpt.com) |\n| **R011-P1-C090** | The short electronic rights notice includes the lender restriction, last-two-failure statement, limited account information, federal permission restriction and unique URL when linked. Email can use the full-body alternative; otherwise full-plus-short delivery applies. | **R/I.** Consent, retention, segregation and accessibility conditions remain applicable. | S001 § 9(c)(4)(i)–(iii), comment 9(c)(4)-1. [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/rules-policy/regulations/1041/9/?utm_source=chatgpt.com) |\n| **R011-P1-C091** | A later immediate payment or new authorization does not create an express waiver of the already-triggered rights notice. Rights notice and authorization request may share an envelope/email only with the specified segregation; open-end notice/statement combination has its own limited rule. | **R/I/INF.** No general license to combine all notices with all contract or marketing content is inferred. | S001 §§ 8(c)(3)(ii), 8(d), 9(a)(5), 9(b)(1)(iii), 9(b)(3)(i)(D), 9(c)(1). [Consumer Financial Protection Bureau+2](https://www.consumerfinance.gov/rules-policy/regulations/1041/8/?utm_source=chatgpt.com) |\n| **R011-P1-C092** | The official May 2019 model PDF’s entire parsed text was read. It supplies generic illustrative models A-3–A-8, with sample populated fields, rather than a wholly empty fillable audit form. | **Text read / visual U.** No sample identities or amounts are reproduced here. No model pixels were inspectable; extraction alone does not verify layout or visual conformity. | S015, indexes 0–6; model inspection table below. [files.consumerfinance.gov](https://files.consumerfinance.gov/f/documents/cfpb_payday_lending-models-disclosures-and-clauses.pdf?utm_source=chatgpt.com) |\n\n### Notice comparison table\n\nThis table is a navigation aid to C072–C091, not a substitute for their conditions.\n\n| Notice | Trigger | Mail | Electronic / in person | Main content and model | Exceptions / combination |\n| --- | --- | --- | --- | --- | --- |\n| First payment | First scheduled transfer for the covered loan, subject to the interpretations | No earlier than authorization; at least 6 business days before initiation | No earlier than authorization; at least 3 business days before initiation | Transfer terms, breakdown, warnings as applicable, contacts; A-3; electronic short A-6 | Initial valid § 8(c) transfer and qualifying immediate transfer excluded; C077–C080 |\n| Unusual payment | Any applicable amount, date, channel or retry condition | 10–6 business days before initiation | 7–3 business days before initiation | Basic full content plus applicable unusual explanation; A-4; short A-7 | Same § 9(b)(1)(iii) exceptions; limited open-end periodic-statement timing option |\n| Consumer rights | Two consecutive qualifying failures | Send within 3 business days after information of second failure | Same trigger/deadline; electronic consent and full/short rules apply | Restriction, failure explanation, account/loan information, previous-attempt table, CFPB footer; A-5; short A-8 | No express waiver merely because later payment occurs; may accompany segregated authorization request |\n| All three | When required | Written, clear, retainable and segregated | Valid method-specific consent; full notice machine readable; email full-body option or full-plus-short arrangement | Substantially similar required content/order/format | Short text/app retention exception does not excuse full-notice retention/accessibility |\n\n### Official generic model text actually read\n\n**S015 was parsed in full; none of these rows represents successful pixel inspection.** The model PDF’s sample names, account/check references, dates and amounts were not used as transaction evidence or reproduced.\n\n| Model | PDF index | Parsed text actually observed | Visual/read limitation |\n| --- | --- | --- | --- |\n| A-3 | 1 | Upcoming-withdrawal identification; date/amount/account/check fields; breakdown; applicable interest-only warning; fee/contact and stopping-payment language | No inspected pixels; type size, spacing, borders and full visual ordering not verified |\n| A-4 | 2 | Unusual-withdrawal alert; explanation of changed amount; prior-attempt information; transfer fields; breakdown and contacts | Same limitation; illustrative unusual condition is not the complete universe of required conditions |\n| A-5 | 3 | Two-failure explanation; permission restriction; future choices; table of due/attempt dates, amounts and fees; CFPB information | Some extracted URL characters were garbled; mandatory CFPB URL was verified independently in § 9(c)(3)(viii) |\n| A-6 | 4 | Short upcoming-withdrawal subject/body structure; date, amount, limited account reference and access link | No inspected pixels; full notice still required except applicable email full-body delivery |\n| A-7 | 5 | Short unusual-withdrawal subject/body structure and changed-amount explanation | No inspected pixels; current operative § 9 controls all applicable content |\n| A-8 | 6 | Short rights-notice subject/body; two failures, permission restriction and access link | No inspected pixels; parsed links are not proof of working electronic access |\n\n## 2.6 Records, status definitions, and calendar limits\n\n| Claim ID | Precise claim, trigger, conditions and exceptions | Status and limits | Source and pinpoint |\n| --- | --- | --- | --- |\n| **R011-P1-C093** | The lender must retain evidence of compliance for **36 months after the covered loan ceases to be outstanding**. The listed record categories are nonexhaustive. | **R/I.** The period does not simply run from origination or the first failed transfer. No actual destruction date calculated. | S001 § 12(b), comment 12(b)-1. [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/rules-policy/regulations/1041/12/?utm_source=chatgpt.com) |\n| **R011-P1-C094** | “Outstanding” generally continues while legally obligated, including delinquency/workout, but ends at the earliest full payment, release, discharge, or **180 days after the last payment**; if no payment, 180 days after consummation. The interpretation says it cannot become outstanding again after those terminating events. Sale/servicing transfer does not itself change the status. | **R/I.** This rule-specific status definition is not debt cancellation or an automatic reset of the § 8 prohibition. | S001 § 2(a)(17), comments 2(a)(17)-1–2. [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/rules-policy/regulations/1041/2/?utm_source=chatgpt.com) |\n| **R011-P1-C095** | Required image-reproducible records include each originated covered-loan agreement, applicable leveraged-payment mechanism, § 8(c) authorization, and underlying one-time authorization/check for § 8(d). Required oral-authorization recordings must also be retained. | **R/I.** Electronic documents may be kept electronically or as printouts as specified. Notice/consent evidence falls under the general nonexhaustive compliance-evidence duty; an invented mandatory notice-image format is not asserted. | S001 §§ 12(b)(1), (4), 8(c)(3)(iii)(B), comments 12(b)(4)-1. [Consumer Financial Protection Bureau+1](https://www.consumerfinance.gov/rules-policy/regulations/1041/12/?utm_source=chatgpt.com) |\n| **R011-P1-C096** | Electronic **tabular** records must include payment receipt/attempt dates, amounts due, attempted and received/transferred, payment channel, and—when the prohibition applies—whether qualifying (c)/(d) authorization was obtained. | **R/I.** Image PDFs and word-processing files are not the required tabular format. Missing rows may prevent reconstruction; they do not establish debt invalidity. | S001 § 12(b)(5)(i)–(ii), comment 12(b)(5)-1. [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/rules-policy/regulations/1041/12/?utm_source=chatgpt.com) |\n| **R011-P1-C097** | A covered-loan lender must develop and follow written compliance procedures appropriate to lender/affiliate size, complexity and lending activities, including detailed guidance for §§ 8–9. | **R/I.** Incomplete evidence can leave compliance unresolved; an absence of evidence is not a finding that no rule applies. | S001 § 12(a), comment 12(a)-1. [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/rules-policy/regulations/1041/12/?utm_source=chatgpt.com) |\n| **R011-P1-C098** | The periods above are reported in the units actually used—business days, days, months, calendar years or tax years. No individualized calendar calculation was performed. | **U for actual calendars.** A comprehensive Part 1041 business-day/calendar definition was not established in the read material; Reg E’s separate definition was not silently imported. Holidays, receipt facts, event order and applicable calendars remain held. | S001 §§ 8–9, 12 and their timing comments; S004–S005 for their separate periods. |\n\n# 3. Blank generic document-audit worksheet\n\nThis is an **unpopulated research worksheet**, not a request to obtain records. It contains no person, provider, lender, borrower, account, property, transaction, license or case identifier field. Every observation/result cell is intentionally blank.\n\n| Audit item | Generic issue to test | Authority / claim reference | Observation, support and unresolved result |\n| --- | --- | --- | --- |\n| Applicable legal version | Applicable event period; regulation version; final-rule changes; relevant published judicial posture | C001–C013 |  |\n| Consumer definition | Whether the defined individual/representative relationship is present | C014 |  |\n| Lender regularity | Household-purpose lending and relevant numerical test | C015 |  |\n| Account definition | Reg E account status and applicable exclusions | C016 |  |\n| Credit structure | Credit; open-end/closed-end; single/multiple advance structure | C017 |  |\n| Consummation | Applicable-law contractual obligation trigger | C018 |  |\n| Service/agency relationships | Material service, agency, and separate affiliate questions | C019, C041, C051 |  |\n| Primary purpose | Personal/family/household purpose | C020 |  |\n| Short-term predicate | Required repayment within the statutory-regulatory period; sweep right | C021 |  |\n| Balloon predicate | Required payment structure and excluded default charges | C022 |  |\n| Longer-term cost predicate | Incorporated cost measure and measurement point | C023–C024 |  |\n| Leveraged mechanism | Pull right, timing, contractual election, immediate-payment distinction | C025 |  |\n| Purchase-money exclusion | Sole initial-purchase purpose and security in purchased good | C026 |  |\n| Real-property/dwelling exclusion | Security type and perfection/recording within term | C027 |  |\n| Credit-card exclusion | Actual defined credit-card account | C028 |  |\n| Education exclusion | Title IV or private-education definition and exceptions | C029 |  |\n| Pawn exclusion | Sole possession/use throughout term; sole recourse | C030 |  |\n| Overdraft exclusion | Defined service or line | C031 |  |\n| Wage-advance exclusion | Employer/partner, accrued wages, preadvance warranties | C032 |  |\n| No-cost-advance exclusion | No required charges and complete preadvance warranties | C033 |  |\n| Alternative-loan exemption | Terms, permitted charges, borrowing history, recurring-income procedures | C034–C037 |  |\n| Accommodation exemption | Affiliate counts, receipts, tax-year predicates, excluded loans | C038–C039 |  |\n| Transfer classification | Lender/agent initiation, purpose, channel, due/purportedly due amount | C041–C043 |  |\n| Account-holding exclusion | Contractual no-fee/no-closure conditions throughout term | C044 |  |\n| Return reason | NSF versus other reason; special account-holding treatment | C047–C048 |  |\n| Sequence | First failure, immediately preceding transfer, same-day/channel/loan relationships | C049–C055 |  |\n| Knowledge trigger | Lender/agent information receipt or applicable internal initiation | C051, C088 |  |\n| New authorization request | Rights notice provided; terms; permitted request channel; segregation | C056–C061 |  |\n| New authorization agreement | Rights notice received/deemed received; signature; date/amount/channel | C057, C062–C063 |  |\n| Memorialization/expiration | Retainable copy timing; recorded call; supersession or two new failures | C064–C065 |  |\n| Immediate-payment request | Fresh one-time basis, one-business-day initiation, one-attempt limitation | C066–C067 |  |\n| Separate electronic-payment law | Underlying Reg E authorization, stopping/revocation and variable-amount predicates | C068–C070 |  |\n| First/unusual notice | Trigger, exception, mailing/sending window, full required content | C077–C087 |  |\n| Consumer-rights notice | Trigger, sending period, failure table and prescribed statements | C088–C091 |  |\n| Electronic delivery | Each method’s consent, email option, later loss of consent | C073–C074 |  |\n| Format/accessibility | Retainability, segregation, machine readability, full/short combination | C072, C075–C076, C086–C092 |  |\n| Records | Agreement/authorization images, recordings, electronic tabular history | C093–C096 |  |\n| Retention trigger | When rule-specific outstanding status ended; no inferred debt discharge | C093–C094 |  |\n| Procedures/evasion | Written controls; substantive conduct; no inferred intent | C071, C097 |  |\n| Unresolved conclusion | Exact missing fact or authority; no acceptance or individualized decision | C098 and parent holds |  |\n\n# 4. Qualitative hypothetical failure branches\n\nThese are **stipulated generic hypotheticals**. They are not descriptions of real events and contain no invented event dates, fee amounts or party/account identifiers. “Evidence needed” names a category relevant to a possible audit; it is not a records request or authorization to search for actual records.\n\n| Example ID | Stipulated qualitative facts | Part 1041-specific result versus unknown | Evidence category needed | Adverse misclassification to avoid / claim links |\n| --- | --- | --- | --- | --- |\n| **R011-P1-E001** | A household-purpose loan is neither short-term nor balloon; its properly determined cost does not exceed the residual branch’s threshold. | The residual longer-term branch fails even if a pull mechanism exists. Other law remains unknown. | Term/payment structure and properly determined cost category | Treating every installment or title-labeled arrangement as covered. **C020–C025** |\n| **R011-P1-E002** | Credit solely finances an initial purchase, secured by the purchased good, with only qualifying purchase-related costs. | The purchase-money exclusion can apply despite otherwise high cost or a pull mechanism. A refinance would require a different analysis. | Purpose and security terms | Treating collateral or high cost alone as defeating the exclusion. **C026** |\n| **R011-P1-E003** | An arrangement is called pawn, but the consumer retains use of the collateral during the term. | The sole-possession/use condition for the pawn exclusion fails. That does not by itself prove the remaining coverage predicates. | Possession/use and recourse terms | Concluding either “all pawn excluded” or “failed pawn exclusion means automatically covered.” **C020, C030** |\n| **R011-P1-E004** | The first relevant transfer fails for NSF; the consumer then pays cash; the next relevant transfer also fails for NSF. | Cash does not reset the transfer count; the next qualifying failure can be the second consecutive failure. | Transfer sequence, cash-versus-transfer classification, return reasons | Treating every payment received as a successful payment transfer. **C049–C052** |\n| **R011-P1-E005** | One transfer fails for NSF; the next is returned solely for an incorrectly entered account number. | The second return is not itself a qualifying NSF failure, so these two events do not constitute the required pair. Treatment of a later longer mixed sequence is not assumed. | Actual return reasons and complete order | Equating all returns with NSF, or calling every non-NSF return successful. **C047, C055** |\n| **R011-P1-E006** | An ACH collection on one covered loan fails for NSF; the next transfer, by debit-card channel on another covered loan with the same lender and from the same account, also fails for NSF. | Different loan/channel does not prevent the second consecutive failure or the resulting same-account restriction across the lender’s covered loans. | Same-account/same-lender relationship, channel and return sequence | Counting separately by installment, loan label or channel. **C046, C050–C051** |\n| **R011-P1-E007** | Two portions of a collection are initiated together and both fail for NSF, with no prior relevant transfer. | Simultaneous/same-day transfers can establish first and second failures. Separate evasion questions depend on purpose and circumstances. | Initiation order/batch facts and return information | Assuming simultaneity prevents counting, or inferring evasion solely from splitting. **C050, C071** |\n| **R011-P1-E008** | Two qualifying failures have occurred from one account; a later proposed transfer concerns another account. | The identified same-account bar does not automatically prohibit that other-account transfer. Underlying authorization, separate counts and evasion remain unknown. | Account relationship without exposing identifiers; separate authority and sequence | Treating the exception from this count as affirmative permission to debit any account. **C046, C053, C056, C071** |\n| **R011-P1-E009** | The lender holds the account and the required no-fee/no-closure protections were contractual at loan inception and remain throughout the term. | A transfer satisfying both conditions is excluded. Merely waiving a fee on one occasion would not establish that result. | Contract duration and both protection clauses | Turning a single fee waiver or “no NSF fee” marketing statement into the full exclusion. **C044, C048** |\n| **R011-P1-E010** | After the bar, the lender relies on the original contract, or obtains a new agreement before mailed-rights-notice receipt/deemed receipt and without an affirmative response to that notice. | Original authority does not satisfy § 8(c); the stipulated premature new agreement fails its receipt-timing condition. | Original/new authorization text and notice provision/receipt relationship | Treating ordinary recurring authority or notice mailing alone as sufficient new authorization. **C056, C060–C063** |\n| **R011-P1-E011** | A properly timed § 8(c) authorization specifies date, amount and channel, but the lender attempts more than the authorized amount. | The transfer does not qualify under the amount condition. Equal/smaller amounts can satisfy that one condition, subject to all others. | Authorized terms and proposed transfer characteristics | Treating authorization as unlimited or assuming every smaller transfer is fully compliant. **C057–C059** |\n| **R011-P1-E012** | After two failures, the consumer affirmatively contacts the lender about repayment before the rights notice is provided, supplies a qualifying one-time basis, and the transfer is initiated within one business day. | The earlier-contact branch can support one immediate attempt. The rights notice remains due; success does not reset the barred count; retry requires a fresh basis. | Initiating-contact category, one-time authority, control-release timing | Requiring § 8(c) for every immediate request, or treating one request as recurring permission. **C052, C066–C067, C091** |\n| **R011-P1-E013** | A first scheduled covered-loan transfer has no exception, and its mailed notice is sent fewer than six business days before initiation. | On those stipulated facts the first-notice timing condition is not met. Actual calendar application is not determined here. | Mailing/initiation relationship and applicable business-day calendar | Counting from receipt, or importing an electronic three-business-day window into mail. **C077, C079–C080, C098** |\n| **R011-P1-E014** | A later transfer is smaller than scheduled, occurs off schedule, changes channel, or retries a return for a non-NSF reason. | Each applicable unusual condition must be assessed and disclosed unless a payment-notice exception applies. A retry notice can be required even though the prior return did not count toward the two-failure bar. | Schedule, previous channel and return-purpose categories | Equating unusual notices only with larger payments or NSF retries. **C047, C078–C086** |\n| **R011-P1-E015** | Electronic notices are sent by text based on a bundled consent that offers no separate email option and no affirmative choice of text. | The stipulated consent process fails the described § 9(a)(4) conditions. | Consent presentation and selections | Treating general electronic-contract consent or possession of a mobile number as sufficient. **C073** |\n| **R011-P1-E016** | A timely electronic payment notice was provided; afterward the lender receives a loss-of-access notification for that method. | The commentary allows the already-disclosed payment in the stated circumstances; future required unusual notices need an available alternative method. Underlying payment authorization remains a separate issue. | Sequence of notice provision and access-loss information | Treating later notice-consent loss as either irrelevant forever or automatic cancellation of every previously disclosed payment. **C074** |\n| **R011-P1-E017** | A required full electronic notice is supplied only as an inaccessible image, or the lender sends only a short message without the required full notice. | On those stipulations the machine-readability or full-plus-short requirement is not met. This is not a finding about the official PDF’s unseen pixels. | Functional text/accessibility and full-notice availability | Equating “PDF” with accessible/retainable, or treating a short notice as the complete notice. **C072, C075, C086–C092** |\n| **R011-P1-E018** | Payment histories exist only as image PDFs and the authorization/return sequence cannot be reconstructed. | Image files do not satisfy the electronic tabular-record requirement; missing evidence leaves other compliance questions unresolved. Debt cancellation does not follow. | Tabular fields, reproducible authorizations and sequence evidence | Turning incomplete records into proof that the debt is void—or into proof that the lender complied. **C093–C097** |\n| **R011-P1-E019** | A lender calls an existing barred loan a new loan after a rollover/refinance. | The commentary’s bona fide subsequent-loan distinction cannot be assumed from that label; refinances/rollovers of the existing covered loan do not supply that distinction. | Substance of the loan relationship and chronology | Using relabeling to erase the original same-account prohibition. **C053, C071** |\n| **R011-P1-E020** | An analysis treats the March 2025 nonprioritization announcement as repeal, or the reversed 2022 vacatur as the current operative disposition. | Both classifications are unsupported by the reviewed authorities. Exact later applicability still remains subject to C011’s currentness gap. | Applicable final-rule/legislation text and published later opinions, if any | Conflating policy, proposed change, historical vacatur and current regulation. **C003–C013** |\n\n# 5. Granular COVERAGE table\n\nThe next steps below are limited to **published generic primary authorities or generic model inspection**. None authorizes an actual records search, request, contact, docket query, identifier entry or individualized determination.\n\n| Assigned subquestion / major branch | Coverage result | Claim/example links | Exact missing authority or facts | Next bounded permissible investigation |\n| --- | --- | --- | --- | --- |\n| Consumer definition | Answered generically | C014 | Actual individual/representative relationship | No public-law search can establish held personal facts |\n| Lender definition and regularity | Answered generically | C015 | Actual lending counts, periods and organizational relationships | Generic published interpretation only if a new definitional issue arises |\n| Account definition | Partial: necessary definition read | C016 | Actual deposit/prepaid/trust features | Bounded generic Reg E prepaid-definition research if needed; no account query |\n| Credit/open-/closed-end structure | Answered generically | C017 | Actual plan and advance structure | Generic official interpretation of a disputed structural feature |\n| Consummation | Answered federal definition; application unresolved | C018 | Governing law and contractual obligation event | Parent-held contract/state-law investigation only if separately assigned |\n| Lender/service provider/agent distinctions | Answered generically | C019, C041, C051 | Actual agency/material-service/control facts | Published generic interpretations; no entity search |\n| Household primary purpose | Answered generically | C020 | Actual purpose and mixed-use facts | Generic primary-purpose interpretation only |\n| Short-term predicate | Answered generically | C021 | Required schedule, sweep right, applicable-law breach condition | Published interpretation of ambiguous schedules; actual facts held |\n| Balloon predicate | Answered generically | C022 | Required payments and permissible exclusions | No actual amortization or contract calculation in this component |\n| Longer-term cost-plus-mechanism predicate | Partial by scope | C023–C025, E001 | Complete APR/finance-charge inputs and actual pull right | Full APR/fee work remains parent-held; generic mechanism questions may be bounded |\n| Coverage arising after origination | Answered generically | C024–C025, C077 | Actual cycle-end cost and mechanism-acquisition chronology | Generic primary interpretation only |\n| Purchase-money exclusion | Answered generically | C026, E002 | Sole initial-purchase purpose, security, refinance status | Actual classification held |\n| Real-property/dwelling exclusion | Answered generically | C027 | Use as dwelling and perfection/recording during term | Property and recording queries excluded |\n| Credit-card exclusion | Answered generically | C028 | Defined credit-card-account features | No account/product query |\n| Education-credit exclusion | Partial beyond necessary cross-definition | C029 | Actual Title IV/private-education classification; underlying HEA institutional/program facts | Generic HEA cross-definition research if separately needed |\n| Pawn exclusion | Answered generically | C030, E003 | Possession/use throughout term and recourse | Collateral/forfeiture law remains held |\n| Overdraft exclusion | Answered only for Part 1041 scope | C031 | Actual service/line classification | No R010 incorporation; broader overdraft law remains held |\n| Wage-advance exclusion | Answered federal predicates; state element held | C032 | Employer/partner facts, accrued wages under state law, contract warranties | Generic state-law component only if separately assigned |\n| No-cost-advance exclusion | Answered generically | C033 | Required charges and complete preadvance warranties | Actual contract facts held |\n| Alternative-loan term conditions | Answered generically | C034 | Actual amounts, schedule, charges, amortization | No actual loan calculation |\n| Alternative borrowing-history condition | Answered generically | C035 | Own-record history and outstanding-status periods | No consumer-record request/search |\n| Alternative recurring-income condition | Answered generically | C036 | Actual policies and compliance | Full underwriting remains held |\n| PALs I safe harbor | Partial | C037 | Current Board ceiling and actual compliance with every NCUA condition | Current official NCUA Board/Letter rate authority; no credit-union lookup |\n| Accommodation exemption | Answered generic formula; actual result unresolved | C038–C039 | Affiliate counts, receipts, tax years, forecasts | No entity/financial-record search |\n| Tribal/product label and actual classification | Unresolved by express hold | C040 | Sovereign authority, governing law, actual product terms | Separate parent component if authorized |\n| Payment-transfer purpose and methods | Answered generically | C041–C043 | Actual initiation/purpose/instrument facts | Published generic instrument authority if necessary |\n| Account-holding no-fee/no-closure exclusion | Answered generically | C044, E009 | Contract terms effective from inception through duration | Actual agreements held |\n| Identified unfair/abusive practice | Answered narrowly | C045 | Actual compliance and any independent legal theory | No individual liability/remedy investigation |\n| NSF versus other return reasons | Answered generically | C047–C048, E005 | Actual reason, available funds, internal transfer facts | No return-record query |\n| First failure | Answered generically | C049, E004 | Complete prior transfer sequence | Actual sequence held |\n| Second failure; simultaneous transfers | Answered generically | C050, E007 | Exact initiation/return order | Actual event facts held |\n| Different channels and loans | Answered generically | C046, C050, E006 | Same-account/same-lender relationships | No identifier comparison or entry |\n| Agent knowledge and trigger date | Answered generically | C051, C088 | Lender/processor information receipt | No actual processor-record request |\n| Success/cash/immediate-payment counting | Answered generically | C052, E004, E012 | Payment classification and valid exception predicates | Actual events held |\n| Other account/new loan/refinance | Answered distinctions; application held | C053, E008, E019 | Separate account, bona fide new-loan substance, timing | Refinancing and contract work otherwise parent-held |\n| Atypical mixed return sequence | Unresolved beyond express branches | C055, E005 | Further official interpretation resolving unsuccessful non-NSF intervening events | Targeted published primary interpretation only |\n| Debt discharge/fees/license implications | Excluded conclusions identified | C054 | Independent law and actual facts | Parent-held subjects; no implication from two failures |\n| New authorization versus old contract | Answered generically | C056, E010 | Actual new agreement and underlying authority | No authorization-document request |\n| Specific date/amount/channel and fee-only branch | Answered generically | C057–C059, E011 | Actual terms, amount, purpose and fee legality | Actual data and broader fee law held |\n| Request timing and channels | Answered generically | C060–C061 | Notice provision, consumer-initiated response, email consent | Actual communications held |\n| Receipt timing/signature/oral recording | Answered generically | C062–C063, E010 | Receipt/deemed-receipt facts and signing/recording | No actual communications/recording retrieval |\n| Memorialization and expiry | Answered generically | C064–C065 | Actual copy transmission and later authorization/failures | Actual evidence held |\n| Immediate-payment branch | Answered generically | C066–C067, E012 | Fresh one-time request, contact timing, release from control | Actual event/calendar facts held |\n| Separate Reg E limits | Partial, deliberately bounded | C068–C070 | Actual recurring authority, stop notice, varying amounts; full Reg E questions | Additional primary clauses only if necessary; no R010 reuse |\n| Anti-evasion | Answered generic standard | C071, E007, E019 | Actual purpose/substance | No intent or liability finding |\n| First-payment notice | Answered generically | C077, C079–C080, C083–C084, E013 | Covered-status date, schedule, notice and sending facts | Actual documents held |\n| Unusual-payment notice | Answered generically | C078, C081–C086, E014 | Amount/date/channel/retry conditions | Actual documents held |\n| Consumer-rights notice | Answered generically | C088–C091 | Failure-information receipt and complete notice content | Actual documents held |\n| Electronic consent and loss | Answered generically | C073–C074, E015–E016 | Method selections, email option, revocation/access-loss facts | Actual consent records held |\n| Notice combination/segregation | Answered for express branches | C061, C075, C082, C091 | Actual layout and content placement | Generic blank-layout inspection permissible; no universal combination rule inferred |\n| Official model text | Answered as parsed text | C092; model table | No missing parsed model body | No need to repeat extraction |\n| Official model pixels | Unresolved retrieval limitation | C092, E017 | Inspectable images for PDF indexes 1–6 | Retry public generic PDF image rendering through permitted public browsing only |\n| Record retention and outstanding status | Answered generically | C093–C096 | Last payment/release/discharge dates, retained formats | No actual calendar or record review |\n| Incomplete records/compliance procedures | Answered generic consequences; actual compliance unresolved | C097, E018 | Complete evidence and written procedures | No actual audit acceptance |\n| Effective/compliance dates and underwriting revocation | Answered historical published text | C003–C005 | Individual event applicability | No individualized date determination |\n| Court stays/vacatur/later history | Partial | C006–C009 | Complete published stay/mandate chronology and later published developments | Published opinions only; no docket or case-record query |\n| Nonprioritization versus repeal | Answered distinction | C010, E020 | Any later superseding policy/final rule | Official generic publication check |\n| Later amendment/repeal/disapproval/currentness | Unresolved beyond checked bounds | C001, C011 | October 23–27 regulatory lag, October 15–27 statutory lag, later published authority | Bounded official final-rule/session-law/published-opinion check |\n| Withdrawn Guidance register | Answered for materials used | C012 | No advisory/circular/bulletin relied upon | Recheck only if one becomes necessary |\n| Business-day/calendar application | Unresolved actual calendar | C098 | Applicable calendar and real triggering events | Generic published calendar interpretation; no individual deadline |\n| Other A011 dimensions | Excluded by express parent holds | Section 8 below | All listed parent issues | Separate focused assignment required; no closure inferred |\n\n# 6. Read and failure log\n\n| Log item | What was actually done/read | Result and precise limitation |\n| --- | --- | --- |\n| Core operative rule | Read complete necessary §§ 1041.2, .3, .7, .8, .9, .12–.15 and relevant official interpretations through current agency text; used eCFR for § 1, currency and comment 7-1 | Operative body reading, not reliance on search snippets or navigation headings |\n| Historical final rules | Read dates and relevant complete amendatory instructions in the 2019 and 2020 official final rules | No claim to have read all explanatory preamble pages |\n| 2017 Federal Register HTML failure | Attempted [https://www.federalregister.gov/documents/2017/11/17/2017-21808/payday-vehicle-title-and-certain-high-cost-installment-loans](https://www.federalregister.gov/documents/2017/11/17/2017-21808/payday-vehicle-title-and-certain-high-cost-installment-loans) | Retrieval exceeded the tool’s document-size limit; recovered relevant body through S012 GPO HTML |\n| 2017 PDF failure | Attempted [https://www.govinfo.gov/content/pkg/FR-2017-11-17/pdf/2017-21808.pdf](https://www.govinfo.gov/content/pkg/FR-2017-11-17/pdf/2017-21808.pdf) | PDF exceeded the retrieval size limit; no PDF text/pixels claimed from that failed retrieval |\n| Initial House § 5481 route | Attempted [https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title12-section5481&num=0&edition=prelim](https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title12-section5481&num=0&edition=prelim) | Failed route; recovered the dated House compilation in S002 and read the necessary body |\n| FLSA House route | Attempted [https://uscode.house.gov/us/usc/119-124/t29/s203/](https://uscode.house.gov/us/usc/119-124/t29/s203/) | Not accessible; § 203(d) recovered from GPO S011; fallback edition remains unverified |\n| Annual CFR | Attempted S024; read selected 2025 annual-CFR text in S016 | 2026 annual-edition body not verified. Failure is not evidence that no edition or rule exists |\n| Generic models | Read all extracted text in S015, including A-3–A-8 | Parsed text is not pixel inspection; garbled extracted URL characters were not reconstructed into purported model text |\n| Model screenshots | Attempted PDF indexes 1–6 | Responses contained placeholders without usable image content; no typography, visual arrangement, colors or complete form pixels were inspected |\n| Reg E/Reg Z/NCUA cross-references | Read the bounded clauses recorded in S004–S006 | No claim of complete Reg E, Reg Z, underwriting, usury, APR, or current NCUA rate review |\n| FTC numbering | Compared current § 310.2 text with the actual 2024 final amendatory instruction | Confirmed redesignation; preserved Part 1041’s printed citation and flagged the discrepancy |\n| Published opinions | Read actual majority/disposition passages in S017–S018 and the complete S019 remand opinion | No reliance on headnotes alone; no full-opinion claim beyond recorded bounds; no docket or case-record query |\n| Later official status search | Searched official generic publications for later rule, repeal/disapproval and published judicial developments | Did not establish a superseding authority; did not convert that search result into an exhaustive absence claim |\n| Withdrawn guidance | Read the complete displayed register and relevant withdrawal publication | No withdrawn or unreviewed advisory, circular, bulletin or R010 finding used as substantive foundation |\n| Remaining substantive gaps | Identified actual-calendar issues, current Board ceiling, atypical mixed-return sequence, later-status chronology and model pixels | Each is preserved as a specific unresolved item, not treated as “no rule” |\n\n# 7. Question → claim/source crosswalk\n\n| User assignment | Claims answering it | Principal sources | Worksheet/examples |\n| --- | --- | --- | --- |\n| **1. Necessary coverage, definitions, exclusions and limited exemptions; separate underwriting** | C003–C005, C014–C040 | S001–S006, S011–S014 | Coverage/exclusion worksheet rows; E001–E003, E009 |\n| **2. Complete two-failure prohibition, sequence, channels/accounts/loans, attribution and exclusions** | C041–C055, C071 | S001, S004, S007–S009 | Transfer/sequence worksheet rows; E004–E009, E019 |\n| **3. Further transfers, new authorization, immediate requests, timing/form/retention/revocation and necessary overlays** | C056–C071, C095 | S001, S004, S010 | Authorization/immediate-payment worksheet rows; E010–E012 |\n| **4. First/unusual/rights notices, electronic conditions, models, records and qualitative branches** | C072–C098 | S001, S004–S005, S015–S016 | Notice/model tables; complete blank worksheet; E013–E018 and all 20 branches |\n| **5. Effective/compliance dates, enforcement discretion, stays/vacatur, later changes and withdrawn guidance** | C001–C013 | S001–S003, S009, S012–S014, S016–S024 | E020; source register; read/failure log; currentness coverage rows |\n\n# 8. Self-check, unresolved limits, and preserved parent holds\n\n### Self-check — not independent review\n\nI checked this report for the following internal distinctions:\n\n- All eight § 1041.3(d) exclusions are separately addressed.\n- The alternative- and accommodation-loan exemptions are kept separate from excluded credit categories and transfer-specific exclusions.\n- The 36% predicate is confined to the residual longer-term branch.\n- NSF failure counting is separated from unusual-notice treatment of other returned transfers.\n- Same-account counting is separated from different channels, different covered loans and agency attribution.\n- “Notice provided” for requesting authorization is separated from “notice received” for obtaining agreement.\n- The § 8(c) authorization is separated from underlying payment authority.\n- The immediate-payment exception is limited to a fresh qualifying one-time basis and does not reset the barred count.\n- Electronic notice consent is separated from payment authorization.\n- The official model text read is separated from the model pixels that could not be inspected.\n- Historical vacatur, subsequent reversal, agency prioritization and unresolved later currentness are separately labeled.\n- Retention periods and notice intervals are reported without invented event dates, amounts, calendar computations, eligibility conclusions or awards.\n\nThis is an **internal self-check**, not an independent legal review, operational approval, publication approval, or acceptance of this component or its parent.\n\n### Specific unresolved items\n\nThe unresolved issues are not merely a general disclaimer. They are:\n\n1. The complete published judicial stay/mandate chronology connecting the original compliance date to the agency-reported March 30, 2025 operative date.\n2. Any later amendment, repeal, congressional disapproval or published judicial development not established within the retrieved sources’ currency boundaries.\n3. Verification of the 2026 annual CFR edition after the failed retrieval.\n4. The currently applicable NCUA Board interest ceiling incorporated into the PALs I rate formula.\n5. The exact treatment of atypical longer sequences involving intervening unsuccessful non-NSF returns beyond the express counting branches read.\n6. Any actual business-day calendar, notice-receipt date, initiation date or retention endpoint.\n7. Visual inspection of the official model PDF pages.\n8. Every actual coverage, exclusion, exemption, authorization, transfer, return, notice, consent, contract and record fact.\n\n### Parent holds preserved\n\nThe following remain held in full, except for the narrow federal predicates expressly examined above:\n\n**All actual account, authorization, transfer, return, notice, electronic-consent, contract and classification facts; complete rate, fee, APR, usury and underwriting rules; state licensing and enforceability; tribal sovereign authority and choice of law; renewals and refinancing beyond the narrow counting distinction; repossessions; pawn forfeiture; collateral; settlement; collections; credit reporting; limitations; remedies; litigation; tax; insolvency; state, local, tribal, international and country law; and every other unaddressed A011 dimension.**\n\nNo actual standing, liability, eligibility, creditworthiness, class membership, award, court filing, license validity or enforceability determination is made. No component, state, parent, operational or publication acceptance is supplied. No unseen model or interface provenance is claimed.\n\nEND R011 PASS-01\n\n","tables":[{"headers":["S001 view","Complete literal HTTPS URL","Exact reading bounds and use"],"index":0,"links":[{"href":"https://www.ecfr.gov/current/title-12/chapter-X/part-1041?utm_source=chatgpt.com","text":"https://www.ecfr.gov/current/title-12/chapter-X/part-1041"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1041/2/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1041/2/"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1041/3/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1041/3/"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1041/7/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1041/7/"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1041/8/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1041/8/"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1041/9/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1041/9/"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1041/12/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1041/12/"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1041/13/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1041/13/"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1041/14/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1041/14/"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1041/15/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1041/15/"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1041/a/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1041/a/"}],"row_links":[[],[{"href":"https://www.ecfr.gov/current/title-12/chapter-X/part-1041?utm_source=chatgpt.com","text":"https://www.ecfr.gov/current/title-12/chapter-X/part-1041"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1041/2/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1041/2/"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1041/3/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1041/3/"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1041/7/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1041/7/"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1041/8/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1041/8/"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1041/9/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1041/9/"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1041/12/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1041/12/"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1041/13/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1041/13/"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1041/14/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1041/14/"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1041/15/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1041/15/"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1041/a/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1041/a/"}]],"rows":[["S001 view","Complete literal HTTPS URL","Exact reading bounds and use"],["eCFR Part 1041","https://www.ecfr.gov/current/title-12/chapter-X/part-1041","Currency and legal-edition statements; authority/source notes; § 1041.1; selected operative cross-checks; Supplement I comment 7-1. The entire consolidated eCFR page was not independently reread end to end."],["Definitions","https://www.consumerfinance.gov/rules-policy/regulations/1041/2/","Complete § 1041.2(a)–(b), including reserved paragraphs and embedded interpretations."],["Coverage","https://www.consumerfinance.gov/rules-policy/regulations/1041/3/","Complete § 1041.3(a)–(h), all eight exclusions, both conditional exemptions, and embedded interpretations."],["Identified practice","https://www.consumerfinance.gov/rules-policy/regulations/1041/7/","Complete § 1041.7; comment 7-1 obtained from eCFR and the annual-CFR cross-check."],["Payment attempts","https://www.consumerfinance.gov/rules-policy/regulations/1041/8/","Complete § 1041.8(a)–(e) and embedded interpretations, including definitions, counting, authorization, immediate-payment exception, and evasion."],["Notices","https://www.consumerfinance.gov/rules-policy/regulations/1041/9/","Complete § 1041.9(a)–(c) and embedded interpretations, including full and short notices, electronic consent, timing, exceptions, and segregation."],["Compliance/records","https://www.consumerfinance.gov/rules-policy/regulations/1041/12/","Complete § 1041.12(a)–(b)(5), reserved paragraphs, and interpretations."],["Evasion","https://www.consumerfinance.gov/rules-policy/regulations/1041/13/","Complete § 1041.13 and interpretation."],["Severability","https://www.consumerfinance.gov/rules-policy/regulations/1041/14/","Complete severability clause; not treated as proof of current judicial status."],["Dates","https://www.consumerfinance.gov/rules-policy/regulations/1041/15/","Complete § 1041.15(a)–(c), including the still-printed historical registration and compliance dates."],["Appendix A","https://www.consumerfinance.gov/rules-policy/regulations/1041/a/","Complete model-form listing; A-1 and A-2 reserved; A-3 through A-8 cross-references. Actual publisher model text separately read in S015."]]},{"headers":["Source ID","Issuer/title and complete literal HTTPS URLs","Exact clauses, printed pages/PDF indexes, and actual read bounds","Version/effective predicate; reading status and limits"],"index":1,"links":[{"href":"https://uscode.house.gov/us/usc/119-124/t12/s5481/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-124/t12/s5481/"},{"href":"https://www.govinfo.gov/link/uscode/12/5481?utm_source=chatgpt.com","text":"https://www.govinfo.gov/link/uscode/12/5481"},{"href":"https://uscode.house.gov/us/usc/119-124/t12/s5531/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-124/t12/s5531/"},{"href":"https://uscode.house.gov/us/usc/119-124/t12/s5532/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-124/t12/s5532/"},{"href":"https://www.govinfo.gov/link/uscode/12/5531?utm_source=chatgpt.com","text":"https://www.govinfo.gov/link/uscode/12/5531"},{"href":"https://www.govinfo.gov/link/uscode/12/5532?utm_source=chatgpt.com","text":"https://www.govinfo.gov/link/uscode/12/5532"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1005/2/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1005/2/"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1005/3/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1005/3/"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1005/10/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1005/10/"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1005/17/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1005/17/"},{"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/1026/5/?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/1026/46/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1026/46/"},{"href":"https://www.ecfr.gov/current/title-12/chapter-VII/subchapter-A/part-701/section-701.21?utm_source=chatgpt.com","text":"https://www.ecfr.gov/current/title-12/chapter-VII/subchapter-A/part-701/section-701.21"},{"href":"https://www.ecfr.gov/current/title-12/chapter-II/subchapter-A/part-229/subpart-A/section-229.2","text":"https://www.ecfr.gov/current/title-12/chapter-II/subchapter-A/part-229/subpart-A/section-229.2"},{"href":"https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.2?utm_source=chatgpt.com","text":"https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.2"},{"href":"https://www.federalregister.gov/documents/2024/04/16/2024-07180/telemarketing-sales-rule","text":"https://www.federalregister.gov/documents/2024/04/16/2024-07180/telemarketing-sales-rule"},{"href":"https://www.govinfo.gov/content/pkg/FR-2024-04-16/pdf/2024-07180.pdf?utm_source=chatgpt.com","text":"https://www.govinfo.gov/content/pkg/FR-2024-04-16/pdf/2024-07180.pdf"},{"href":"https://www.govinfo.gov/link/uscode/15/7001?utm_source=chatgpt.com","text":"https://www.govinfo.gov/link/uscode/15/7001"},{"href":"https://www.govinfo.gov/link/uscode/15/7006?utm_source=chatgpt.com","text":"https://www.govinfo.gov/link/uscode/15/7006"},{"href":"https://www.govinfo.gov/link/uscode/29/203?utm_source=chatgpt.com","text":"https://www.govinfo.gov/link/uscode/29/203"},{"href":"https://www.govinfo.gov/content/pkg/FR-2017-11-17/html/2017-21808.htm?utm_source=chatgpt.com","text":"https://www.govinfo.gov/content/pkg/FR-2017-11-17/html/2017-21808.htm"},{"href":"https://www.federalregister.gov/documents/2019/06/17/2019-12307/payday-vehicle-title-and-certain-high-cost-installment-loans-delay-of-compliance-date-correcting?utm_source=chatgpt.com","text":"https://www.federalregister.gov/documents/2019/06/17/2019-12307/payday-vehicle-title-and-certain-high-cost-installment-loans-delay-of-compliance-date-correcting"},{"href":"https://www.govinfo.gov/content/pkg/FR-2019-06-17/pdf/2019-12307.pdf?utm_source=chatgpt.com","text":"https://www.govinfo.gov/content/pkg/FR-2019-06-17/pdf/2019-12307.pdf"},{"href":"https://www.federalregister.gov/documents/2020/07/22/2020-14935/payday-vehicle-title-and-certain-high-cost-installment-loans?utm_source=chatgpt.com","text":"https://www.federalregister.gov/documents/2020/07/22/2020-14935/payday-vehicle-title-and-certain-high-cost-installment-loans"},{"href":"https://www.govinfo.gov/content/pkg/FR-2020-07-22/pdf/2020-14935.pdf?utm_source=chatgpt.com","text":"https://www.govinfo.gov/content/pkg/FR-2020-07-22/pdf/2020-14935.pdf"},{"href":"https://files.consumerfinance.gov/f/documents/cfpb_payday_lending-models-disclosures-and-clauses.pdf?utm_source=chatgpt.com","text":"https://files.consumerfinance.gov/f/documents/cfpb_payday_lending-models-disclosures-and-clauses.pdf"},{"href":"https://www.govinfo.gov/content/pkg/CFR-2025-title12-vol9/pdf/CFR-2025-title12-vol9-part1041.pdf?utm_source=chatgpt.com","text":"https://www.govinfo.gov/content/pkg/CFR-2025-title12-vol9/pdf/CFR-2025-title12-vol9-part1041.pdf"},{"href":"https://www.ca5.uscourts.gov/opinions/pub/21/21-50826-CV0.pdf?utm_source=chatgpt.com","text":"https://www.ca5.uscourts.gov/opinions/pub/21/21-50826-CV0.pdf"},{"href":"https://www.supremecourt.gov/opinions/23pdf/601us2r21_7648.pdf?utm_source=chatgpt.com","text":"https://www.supremecourt.gov/opinions/23pdf/601us2r21_7648.pdf"},{"href":"https://www.ca5.uscourts.gov/opinions/pub/21/21-50826-CV1.pdf?utm_source=chatgpt.com","text":"https://www.ca5.uscourts.gov/opinions/pub/21/21-50826-CV1.pdf"},{"href":"https://www.consumerfinance.gov/about-us/newsroom/cfpb-offers-regulatory-relief-for-small-loan-providers/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/about-us/newsroom/cfpb-offers-regulatory-relief-for-small-loan-providers/"},{"href":"https://www.consumerfinance.gov/compliance/compliance-resources/consumer-lending-resources/payday-lending-rule/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/compliance/compliance-resources/consumer-lending-resources/payday-lending-rule/"},{"href":"https://www.consumerfinance.gov/compliance/guidance/withdrawn-guidance/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/compliance/guidance/withdrawn-guidance/"},{"href":"https://www.federalregister.gov/documents/2025/05/12/2025-08286/interpretive-rules-policy-statements-and-advisory-opinions-withdrawal?utm_source=chatgpt.com","text":"https://www.federalregister.gov/documents/2025/05/12/2025-08286/interpretive-rules-policy-statements-and-advisory-opinions-withdrawal"},{"href":"https://www.govinfo.gov/content/pkg/FR-2025-05-12/pdf/2025-08286.pdf?utm_source=chatgpt.com","text":"https://www.govinfo.gov/content/pkg/FR-2025-05-12/pdf/2025-08286.pdf"},{"href":"https://www.govinfo.gov/content/pkg/CFR-2026-title12-vol9/pdf/CFR-2026-title12-vol9-part1041.pdf","text":"https://www.govinfo.gov/content/pkg/CFR-2026-title12-vol9/pdf/CFR-2026-title12-vol9-part1041.pdf"}],"row_links":[[],[{"href":"https://uscode.house.gov/us/usc/119-124/t12/s5481/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-124/t12/s5481/"},{"href":"https://www.govinfo.gov/link/uscode/12/5481?utm_source=chatgpt.com","text":"https://www.govinfo.gov/link/uscode/12/5481"}],[{"href":"https://uscode.house.gov/us/usc/119-124/t12/s5531/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-124/t12/s5531/"},{"href":"https://uscode.house.gov/us/usc/119-124/t12/s5532/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-124/t12/s5532/"},{"href":"https://www.govinfo.gov/link/uscode/12/5531?utm_source=chatgpt.com","text":"https://www.govinfo.gov/link/uscode/12/5531"},{"href":"https://www.govinfo.gov/link/uscode/12/5532?utm_source=chatgpt.com","text":"https://www.govinfo.gov/link/uscode/12/5532"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1005/2/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1005/2/"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1005/3/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1005/3/"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1005/10/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1005/10/"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1005/17/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1005/17/"}],[{"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/1026/5/?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/1026/46/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1026/46/"}],[{"href":"https://www.ecfr.gov/current/title-12/chapter-VII/subchapter-A/part-701/section-701.21?utm_source=chatgpt.com","text":"https://www.ecfr.gov/current/title-12/chapter-VII/subchapter-A/part-701/section-701.21"}],[{"href":"https://www.ecfr.gov/current/title-12/chapter-II/subchapter-A/part-229/subpart-A/section-229.2","text":"https://www.ecfr.gov/current/title-12/chapter-II/subchapter-A/part-229/subpart-A/section-229.2"}],[{"href":"https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.2?utm_source=chatgpt.com","text":"https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.2"}],[{"href":"https://www.federalregister.gov/documents/2024/04/16/2024-07180/telemarketing-sales-rule","text":"https://www.federalregister.gov/documents/2024/04/16/2024-07180/telemarketing-sales-rule"},{"href":"https://www.govinfo.gov/content/pkg/FR-2024-04-16/pdf/2024-07180.pdf?utm_source=chatgpt.com","text":"https://www.govinfo.gov/content/pkg/FR-2024-04-16/pdf/2024-07180.pdf"}],[{"href":"https://www.govinfo.gov/link/uscode/15/7001?utm_source=chatgpt.com","text":"https://www.govinfo.gov/link/uscode/15/7001"},{"href":"https://www.govinfo.gov/link/uscode/15/7006?utm_source=chatgpt.com","text":"https://www.govinfo.gov/link/uscode/15/7006"}],[{"href":"https://www.govinfo.gov/link/uscode/29/203?utm_source=chatgpt.com","text":"https://www.govinfo.gov/link/uscode/29/203"}],[{"href":"https://www.govinfo.gov/content/pkg/FR-2017-11-17/html/2017-21808.htm?utm_source=chatgpt.com","text":"https://www.govinfo.gov/content/pkg/FR-2017-11-17/html/2017-21808.htm"}],[{"href":"https://www.federalregister.gov/documents/2019/06/17/2019-12307/payday-vehicle-title-and-certain-high-cost-installment-loans-delay-of-compliance-date-correcting?utm_source=chatgpt.com","text":"https://www.federalregister.gov/documents/2019/06/17/2019-12307/payday-vehicle-title-and-certain-high-cost-installment-loans-delay-of-compliance-date-correcting"},{"href":"https://www.govinfo.gov/content/pkg/FR-2019-06-17/pdf/2019-12307.pdf?utm_source=chatgpt.com","text":"https://www.govinfo.gov/content/pkg/FR-2019-06-17/pdf/2019-12307.pdf"}],[{"href":"https://www.federalregister.gov/documents/2020/07/22/2020-14935/payday-vehicle-title-and-certain-high-cost-installment-loans?utm_source=chatgpt.com","text":"https://www.federalregister.gov/documents/2020/07/22/2020-14935/payday-vehicle-title-and-certain-high-cost-installment-loans"},{"href":"https://www.govinfo.gov/content/pkg/FR-2020-07-22/pdf/2020-14935.pdf?utm_source=chatgpt.com","text":"https://www.govinfo.gov/content/pkg/FR-2020-07-22/pdf/2020-14935.pdf"}],[{"href":"https://files.consumerfinance.gov/f/documents/cfpb_payday_lending-models-disclosures-and-clauses.pdf?utm_source=chatgpt.com","text":"https://files.consumerfinance.gov/f/documents/cfpb_payday_lending-models-disclosures-and-clauses.pdf"}],[{"href":"https://www.govinfo.gov/content/pkg/CFR-2025-title12-vol9/pdf/CFR-2025-title12-vol9-part1041.pdf?utm_source=chatgpt.com","text":"https://www.govinfo.gov/content/pkg/CFR-2025-title12-vol9/pdf/CFR-2025-title12-vol9-part1041.pdf"}],[{"href":"https://www.ca5.uscourts.gov/opinions/pub/21/21-50826-CV0.pdf?utm_source=chatgpt.com","text":"https://www.ca5.uscourts.gov/opinions/pub/21/21-50826-CV0.pdf"}],[{"href":"https://www.supremecourt.gov/opinions/23pdf/601us2r21_7648.pdf?utm_source=chatgpt.com","text":"https://www.supremecourt.gov/opinions/23pdf/601us2r21_7648.pdf"}],[{"href":"https://www.ca5.uscourts.gov/opinions/pub/21/21-50826-CV1.pdf?utm_source=chatgpt.com","text":"https://www.ca5.uscourts.gov/opinions/pub/21/21-50826-CV1.pdf"}],[{"href":"https://www.consumerfinance.gov/about-us/newsroom/cfpb-offers-regulatory-relief-for-small-loan-providers/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/about-us/newsroom/cfpb-offers-regulatory-relief-for-small-loan-providers/"}],[{"href":"https://www.consumerfinance.gov/compliance/compliance-resources/consumer-lending-resources/payday-lending-rule/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/compliance/compliance-resources/consumer-lending-resources/payday-lending-rule/"}],[{"href":"https://www.consumerfinance.gov/compliance/guidance/withdrawn-guidance/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/compliance/guidance/withdrawn-guidance/"}],[{"href":"https://www.federalregister.gov/documents/2025/05/12/2025-08286/interpretive-rules-policy-statements-and-advisory-opinions-withdrawal?utm_source=chatgpt.com","text":"https://www.federalregister.gov/documents/2025/05/12/2025-08286/interpretive-rules-policy-statements-and-advisory-opinions-withdrawal"},{"href":"https://www.govinfo.gov/content/pkg/FR-2025-05-12/pdf/2025-08286.pdf?utm_source=chatgpt.com","text":"https://www.govinfo.gov/content/pkg/FR-2025-05-12/pdf/2025-08286.pdf"}],[{"href":"https://www.govinfo.gov/content/pkg/CFR-2026-title12-vol9/pdf/CFR-2026-title12-vol9-part1041.pdf","text":"https://www.govinfo.gov/content/pkg/CFR-2026-title12-vol9/pdf/CFR-2026-title12-vol9-part1041.pdf"}]],"rows":[["Source ID","Issuer/title and complete literal HTTPS URLs","Exact clauses, printed pages/PDF indexes, and actual read bounds","Version/effective predicate; reading status and limits"],["R011-P1-S002","U.S. House Office of Law Revision Counsel, 12 USC 5481: https://uscode.house.gov/us/usc/119-124/t12/s5481/. GPO fallback: https://www.govinfo.gov/link/uscode/12/5481","Definitions (1), (4), (19), and (26), including service-provider qualifications and exclusions. Fallback PDF: printed pp. 1939, 1942–1943; indexes 0, 3–4.","U.S. federal statute. House page stated laws in effect through Public Law 119-124, October 15, 2026. That is a compilation boundary, not a full later-session-law audit. Fresh reads; fallback edition not independently established."],["R011-P1-S003","House, 12 USC 5531 and 5532: https://uscode.house.gov/us/usc/119-124/t12/s5531/ and https://uscode.house.gov/us/usc/119-124/t12/s5532/. GPO: https://www.govinfo.gov/link/uscode/12/5531 and https://www.govinfo.gov/link/uscode/12/5532","§ 5531(a)–(e); § 5532(a)–(d). Authority, unfairness/abusiveness criteria, disclosure authority, optional models and associated protection. GPO printed pp. 1971–1973 across the two extracts, indexes 0–1 of each.","U.S. federal statute; same House compilation boundary as S002. Fresh body reads. No individual cause-of-action, standing, or remedy conclusion."],["R011-P1-S004","CFPB, Regulation E: https://www.consumerfinance.gov/rules-policy/regulations/1005/2/; https://www.consumerfinance.gov/rules-policy/regulations/1005/3/; https://www.consumerfinance.gov/rules-policy/regulations/1005/10/; https://www.consumerfinance.gov/rules-policy/regulations/1005/17/","§ 1005.2(b), relevant account comments, (i), (k); § 1005.3(a), complete (b)(1)–(3) and comments; § 1005.10(b)–(e)(1) and necessary comments; § 1005.17(a) and comment 17(a)-1 only.","U.S. federal regulation/interpretations, current-labeled agency pages. Fresh reads of these bounds only. No complete Reg E, overdraft, error-resolution, or fee-liability review. HTML; PDF indexes N/A."],["R011-P1-S005","CFPB, Regulation Z: 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/1026/5/; https://www.consumerfinance.gov/rules-policy/regulations/1026/7/; https://www.consumerfinance.gov/rules-policy/regulations/1026/46/","§ 1026.2(a)(14), (15)(ii), (17)(v), (20), and relevant comments; § 1026.3(a) and selected primary-purpose comments; § 1026.5(b)(2)(ii) and timing comments; § 1026.7(b) introductory/selected text only; complete § 1026.46(b)(5) and its comments 1–4.","U.S. federal regulation/interpretations. Fresh bounded reads. § 1026.7 was not fully reviewed. §§ 1026.4, .14 and .22 were identified through Part 1041’s incorporation but a complete finance-charge/APR calculation review remains held."],["R011-P1-S006","NCUA/eCFR, 12 CFR 701.21: https://www.ecfr.gov/current/title-12/chapter-VII/subchapter-A/part-701/section-701.21","Complete (c)(7)(i)–(iii); selected (iv) comparison. PALs I mandatory conditions distinguished from associated best-practice guidance.","U.S. federal credit-union regulation. Fresh text read. The currently applicable Board-set general interest ceiling was not separately verified; no fixed current PAL rate is asserted."],["R011-P1-S007","Federal Reserve/eCFR, Regulation CC, 12 CFR 229.2: https://www.ecfr.gov/current/title-12/chapter-II/subchapter-A/part-229/subpart-A/section-229.2","Complete paragraph (fff), remotely created check definition.","U.S. federal regulation. Fresh limited body read; no actual instrument classification."],["R011-P1-S008","FTC/eCFR, 16 CFR 310.2: https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.2","Current paragraphs (cc) and (dd), particularly the complete remotely created payment-order definition at (dd).","U.S. federal regulation. Fresh body read. Establishes the numbering mismatch with the still-printed Part 1041 reference to (cc)."],["R011-P1-S009","FTC, Telemarketing Sales Rule, 89 FR 26760: https://www.federalregister.gov/documents/2024/04/16/2024-07180/telemarketing-sales-rule; official PDF https://www.govinfo.gov/content/pkg/FR-2024-04-16/pdf/2024-07180.pdf","Printed p. 26760/index 0, dates/summary; p. 26783/index 23, complete amendatory instruction 2 redesignating former (aa)–(hh) as (bb)–(ii). Not all 27 PDF pages read.","Published April 16, 2024; relevant amendment effective May 16, 2024. Fresh final-rule text read."],["R011-P1-S010","Congress/GPO, E-SIGN, 15 USC 7001 and 7006: https://www.govinfo.gov/link/uscode/15/7001; https://www.govinfo.gov/link/uscode/15/7006","§ 7001(a)–(b), printed p. 2304/index 0; selected subsequent text only. § 7006(4), (5), (9), printed p. 2309/index 0.","U.S. federal statute. Fresh bounded reads; extract edition not independently established. No claim of a complete § 7001(c)–(d) audit. Part 1041’s own delivery/signature distinctions control the discussion below."],["R011-P1-S011","Congress/GPO, FLSA, 29 USC 203(d): https://www.govinfo.gov/link/uscode/29/203","Complete employer definition (d), printed p. 63/index 0.","U.S. federal statute. Fresh fallback read; extract edition not independently established. No actual employment classification."],["R011-P1-S012","CFPB, 2017 final Payday, Vehicle Title, and Certain High-Cost Installment Loans Rule, 82 FR 54472–54921: https://www.govinfo.gov/content/pkg/FR-2017-11-17/html/2017-21808.htm","Complete front summary/dates and selected relevant preamble passages. Codified regulatory text begins at printed p. 54871; current operative clauses were read through S001. The entire 450-page publication was not read.","Published November 17, 2017; effective January 16, 2018; original general compliance August 19, 2019. Fresh HTML body read after size failures. PDF indexes unavailable because PDF retrieval failed. Historical original rule."],["R011-P1-S013","CFPB, 2019 delay/correcting amendments, 84 FR 27907: https://www.federalregister.gov/documents/2019/06/17/2019-12307/payday-vehicle-title-and-certain-high-cost-installment-loans-delay-of-compliance-date-correcting; official PDF https://www.govinfo.gov/content/pkg/FR-2019-06-17/pdf/2019-12307.pdf","Printed p. 27907/index 0, dates, summary and footnote 5; selected pp. 27922–27923/indexes 15–16; complete amendatory instructions 2–8 at p. 27929/index 22. Not the full 24-page preamble.","Published June 17, 2019; effective August 16, 2019. Historical underwriting delay to November 19, 2020 and technical corrections. Fresh text read."],["R011-P1-S014","CFPB, 2020 revocation final rule, 85 FR 44382: https://www.federalregister.gov/documents/2020/07/22/2020-14935/payday-vehicle-title-and-certain-high-cost-installment-loans; official PDF https://www.govinfo.gov/content/pkg/FR-2020-07-22/pdf/2020-14935.pdf","Printed p. 44382/index 0, dates/summary; complete amendatory instructions 1–10, pp. 44444–44445/indexes 62–63. Revised operative comments also read through S001. Not the entire 65-page preamble.","Published July 22, 2020; effective October 20, 2020. Revoked specified underwriting provisions; did not repeal the payment regime. Fresh text read."],["R011-P1-S015","CFPB, Payday Lending Rule—Model Forms and Clauses, May 2019: https://files.consumerfinance.gov/f/documents/cfpb_payday_lending-models-disclosures-and-clauses.pdf","Entire extracted text of seven PDF pages: cover index 0; A-3 index 1; A-4 index 2; A-5 index 3; A-6 index 4; A-7 index 5; A-8 index 6. Printed numeric page labels were not established.","Official generic models, dated May 2019. Fresh parsed-text read. Six screenshot attempts returned placeholders without inspectable image content. Pixels, typography and full visual layout not inspected."],["R011-P1-S016","GPO, 2025 annual CFR, Part 1041: https://www.govinfo.gov/content/pkg/CFR-2025-title12-vol9/pdf/CFR-2025-title12-vol9-part1041.pdf","Edition/header at printed p. 1029/index 0; Supplement I comment 7-1 at p. 1054/index 25; selected cross-check passages. Not all 37 pages read.","Official annual edition revised January 1, 2025. Fresh selected text read; historical edition, not proof of October 2026 completeness. Same regulatory body as S001."],["R011-P1-S017","Fifth Circuit, Community Financial Services Association of America, Ltd. v. CFPB, 51 F.4th 616 (2022): https://www.ca5.uscourts.gov/opinions/pub/21/21-50826-CV0.pdf","Published panel majority, October 19, 2022. Printed pp. 1–15/indexes 0–14 read through overlapping body opens; beginning of p. 16/index 15; selected pp. 37–39/indexes 36–38, including disposition. Relevant pinpoints: p. 6 procedural history; p. 9 n.1; pp. 12–16 payment-rule challenges; p. 39 disposition.","U.S. federal appellate authority, Fifth Circuit. Historical funding holding/vacatur reversed in 2024. Not the entire opinion read; later history checked only to the extent S018–S019 establish. No docket query."],["R011-P1-S018","Supreme Court, CFPB v. Community Financial Services Association of America, Ltd., 601 U.S. 416 (2024): https://www.supremecourt.gov/opinions/23pdf/601us2r21_7648.pdf","Actual Thomas majority passages, not merely syllabus: printed pp. 420–421/indexes 5–6; pp. 423–425/indexes 8–10; p. 435/index 20; p. 441/index 26, including reversal/remand. Selected other passages encountered; not all 58 PDF pages or the whole majority read.","Decided May 16, 2024. Official preliminary print, subject to revision. U.S. Supreme Court. Narrow Appropriations Clause holding; no comprehensive Part 1041 or later-history certificate."],["R011-P1-S019","Fifth Circuit, published remand opinion, 104 F.4th 930 (2024): https://www.ca5.uscourts.gov/opinions/pub/21/21-50826-CV1.pdf","Entire two-page per curiam opinion: printed pp. 1–2/indexes 0–1.","Published June 19, 2024. Reinstated the judgment on alternative arguments and rendered judgment consistent with the Supreme Court’s funding holding. No later docket/mandate-status investigation."],["R011-P1-S020","CFPB, “CFPB Offers Regulatory Relief for Small Loan Providers”: https://www.consumerfinance.gov/about-us/newsroom/cfpb-offers-regulatory-relief-for-small-loan-providers/","Entire operative announcement paragraphs.","Dated March 28, 2025; stated payment provisions become operative March 30, 2025. Agency enforcement/supervision prioritization, not a legislative rule repealing Part 1041. Fresh body read."],["R011-P1-S021","CFPB, Payday Lending Rule compliance resources: https://www.consumerfinance.gov/compliance/compliance-resources/consumer-lending-resources/payday-lending-rule/","Main resource-page body, including the continued link to S020.","Page displayed last modification June 1, 2026. Fresh status/resource read. Resource-page currency is not a complete legal-currentness audit."],["R011-P1-S022","CFPB, Withdrawn Guidance register: https://www.consumerfinance.gov/compliance/guidance/withdrawn-guidance/","Entire displayed withdrawal list read, including relevant earned-wage-access, education-credit and overdraft entries.","Displayed last modification July 22, 2026. Fresh register read. No circular, bulletin or advisory was used as a substantive foundation here. Absence from the list is not an exhaustive status certificate."],["R011-P1-S023","CFPB, Interpretive Rules, Policy Statements, and Advisory Opinions; Withdrawal, 90 FR 20084: https://www.federalregister.gov/documents/2025/05/12/2025-08286/interpretive-rules-policy-statements-and-advisory-opinions-withdrawal; official PDF https://www.govinfo.gov/content/pkg/FR-2025-05-12/pdf/2025-08286.pdf","Printed p. 20084/index 0, summary/dates; p. 20085/index 1, operative withdrawal discussion; selected § II. Entire § III PDF list not independently read; S022 supplied the complete displayed register.","Applicable May 12, 2025. Fresh bounded publication read. Guidance withdrawal is not statutory or regulatory repeal."],["R011-P1-S024","GPO, attempted 2026 annual CFR Part 1041: https://www.govinfo.gov/content/pkg/CFR-2026-title12-vol9/pdf/CFR-2026-title12-vol9-part1041.pdf","Body retrieval failed. No pages or pixels read.","Failure record only; no authority inferred from failure. The 2026 annual-edition verification remains unresolved."]]},{"headers":["Claim ID","Precise claim, trigger, conditions and exceptions","Status and limits","Source and pinpoint"],"index":2,"links":[{"href":"https://www.ecfr.gov/current/title-12/chapter-X/part-1041?utm_source=chatgpt.com","text":"ecfr.gov"},{"href":"https://uscode.house.gov/us/usc/119-124/t12/s5531/?utm_source=chatgpt.com","text":"uscode.house.gov\n+2"},{"href":"https://www.govinfo.gov/content/pkg/FR-2017-11-17/html/2017-21808.htm?utm_source=chatgpt.com","text":"govinfo.gov\n+1"},{"href":"https://www.govinfo.gov/content/pkg/FR-2019-06-17/pdf/2019-12307.pdf?utm_source=chatgpt.com","text":"govinfo.gov\n+1"},{"href":"https://www.govinfo.gov/content/pkg/FR-2020-07-22/pdf/2020-14935.pdf?utm_source=chatgpt.com","text":"govinfo.gov\n+2"},{"href":"https://www.govinfo.gov/content/pkg/FR-2019-06-17/pdf/2019-12307.pdf?utm_source=chatgpt.com","text":"govinfo.gov\n+1"},{"href":"https://www.ca5.uscourts.gov/opinions/pub/21/21-50826-CV0.pdf?utm_source=chatgpt.com","text":"ca5.uscourts.gov\n+2"},{"href":"https://www.supremecourt.gov/opinions/23pdf/601us2r21_7648.pdf?utm_source=chatgpt.com","text":"supremecourt.gov\n+2"},{"href":"https://www.ca5.uscourts.gov/opinions/pub/21/21-50826-CV1.pdf?utm_source=chatgpt.com","text":"ca5.uscourts.gov"},{"href":"https://www.consumerfinance.gov/about-us/newsroom/cfpb-offers-regulatory-relief-for-small-loan-providers/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau\n+1"},{"href":"https://www.consumerfinance.gov/compliance/guidance/withdrawn-guidance/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau\n+1"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1041/8/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau\n+2"}],"row_links":[[],[{"href":"https://www.ecfr.gov/current/title-12/chapter-X/part-1041?utm_source=chatgpt.com","text":"ecfr.gov"}],[{"href":"https://uscode.house.gov/us/usc/119-124/t12/s5531/?utm_source=chatgpt.com","text":"uscode.house.gov\n+2"}],[{"href":"https://www.govinfo.gov/content/pkg/FR-2017-11-17/html/2017-21808.htm?utm_source=chatgpt.com","text":"govinfo.gov\n+1"}],[{"href":"https://www.govinfo.gov/content/pkg/FR-2019-06-17/pdf/2019-12307.pdf?utm_source=chatgpt.com","text":"govinfo.gov\n+1"}],[{"href":"https://www.govinfo.gov/content/pkg/FR-2020-07-22/pdf/2020-14935.pdf?utm_source=chatgpt.com","text":"govinfo.gov\n+2"}],[{"href":"https://www.govinfo.gov/content/pkg/FR-2019-06-17/pdf/2019-12307.pdf?utm_source=chatgpt.com","text":"govinfo.gov\n+1"}],[{"href":"https://www.ca5.uscourts.gov/opinions/pub/21/21-50826-CV0.pdf?utm_source=chatgpt.com","text":"ca5.uscourts.gov\n+2"}],[{"href":"https://www.supremecourt.gov/opinions/23pdf/601us2r21_7648.pdf?utm_source=chatgpt.com","text":"supremecourt.gov\n+2"}],[{"href":"https://www.ca5.uscourts.gov/opinions/pub/21/21-50826-CV1.pdf?utm_source=chatgpt.com","text":"ca5.uscourts.gov"}],[{"href":"https://www.consumerfinance.gov/about-us/newsroom/cfpb-offers-regulatory-relief-for-small-loan-providers/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau\n+1"}],[],[{"href":"https://www.consumerfinance.gov/compliance/guidance/withdrawn-guidance/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau\n+1"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1041/8/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau\n+2"}]],"rows":[["Claim ID","Precise claim, trigger, conditions and exceptions","Status and limits","Source and pinpoint"],["R011-P1-C001","The retrieved eCFR displayed Title 12 current through October 23, 2026, while the actual access occurred October 27. Its title-wide “last amended” date does not establish when Part 1041 itself last changed.","R/U. October 23–27 currency and any publication/compilation lag remain unresolved.","S001, eCFR header and legal-edition statement. \necfr.gov"],["R011-P1-C002","Part 1041 rests on Title X authority; §§ 5531 and 5532 distinguish unfair/abusive-practice rulemaking from disclosure and model-form authority. The regulation, its official interpretations, an enforcement announcement, and a court holding are different kinds of authority.","S/R. No individual remedy or all-law safe harbor follows merely from this authority structure.","S001 § 1041.1; S003 §§ 5531(a)–(e), 5532(a)–(d). \nuscode.house.gov\n+2"],["R011-P1-C003","The 2017 final rule became effective January 16, 2018, with an original general compliance date of August 19, 2019. Current § 1041.15(c) still prints that compliance date for its listed payment-related provisions.","H/R. Printed dates alone do not resolve subsequent judicial stays. The obsolete registration cross-reference in § 1041.15(b) is not an active registration instruction here.","S012 dates; S001 § 1041.15(a)–(c). \ngovinfo.gov\n+1"],["R011-P1-C004","The 2019 final rule delayed specified underwriting-related provisions to November 19, 2020 and made corrections; it did not convert the payment provisions’ printed compliance date to that underwriting date.","H. Effective August 16, 2019. The later 2020 revocation superseded the delayed underwriting regime.","S013, 84 FR 27907 and 27929, amendatory instructions 2–8. \ngovinfo.gov\n+1"],["R011-P1-C005","Effective October 20, 2020, the CFPB removed/reserved the former mandatory-underwriting provisions, associated information-system provisions, specified definitions, record provisions and models A-1/A-2. It retained the payment provisions and revised the loan-agreement retention requirement.","H/R. The surviving alternative-loan recurring-income documentation condition in § 1041.3(e)(3) was not erased.","S014, 85 FR 44444–44445, instructions 1–10; S001 §§ 3(e)(3), 7–9, 12. \ngovinfo.gov\n+2"],["R011-P1-C006","Official published sources report a November 6, 2018 stay of the compliance date. The 2022 published opinion also describes litigation-stay developments. These are distinct procedural matters.","H/U. The original stay orders and complete later stay/mandate chain were not read; no case-record or docket search was made. March 30, 2025 is reported from S020, not calculated from an assumed remaining-day count.","S013, p. 27907 n.5; S017, printed p. 6. \ngovinfo.gov\n+1"],["R011-P1-C007","The Fifth Circuit’s 2022 majority rejected the reviewed statutory/APA payment-rule challenges, including arguments concerning debit/prepaid channels and different installments, but held the funding arrangement unconstitutional and vacated the rule. Its unfairness analysis did not separately decide abusiveness.","H—funding holding and vacatur later reversed. The 2022 vacatur must not be described as the current disposition.","S017, pp. 9 n.1, 12–16, 39; actual majority text. \nca5.uscourts.gov\n+2"],["R011-P1-C008","The Supreme Court’s May 16, 2024 majority held the CFPB’s statutory funding arrangement satisfied the Appropriations Clause and reversed and remanded.","Published judicial holding. This was a funding holding, not a decision validating every payment-rule application, every lender, or every possible challenge.","S018, 601 U.S. 420–425, 435, 441; PDF indexes 5–10, 20, 26. \nsupremecourt.gov\n+2"],["R011-P1-C009","On June 19, 2024, the Fifth Circuit reinstated its judgment affirming rejection of the alternative arguments and rendered judgment consistent with the Supreme Court’s constitutional funding holding.","Published judicial disposition. Full later history beyond the reviewed publications remains held.","S019, entire two-page opinion. \nca5.uscourts.gov"],["R011-P1-C010","The March 28, 2025 CFPB announcement said it would not prioritize enforcement or supervision actions concerning penalties or fines associated with the payment-withdrawal and payment-disclosure provisions once operative March 30, 2025; it also contemplated a future proposed narrowing.","P. Nonprioritization is not repeal, vacatur, a stay, blanket immunity, or an adopted amendment. The contemplated proposal was not treated as operative law.","S020, operative announcement paragraphs; S021 continued resource link. \nConsumer Financial Protection Bureau\n+1"],["R011-P1-C011","Targeted official-source searches did not establish a later final repeal, congressional disapproval, amendment, or published decision displacing the reviewed payment text.","U. A failure to establish a later change is not proof none exists. The annual-CFR failure, eCFR October 23 boundary, House October 15 compilation boundary, and incomplete later litigation history prevent an exhaustive October 27 applicability certificate.","S001, S002–S003, S017–S024; search/read log below."],["R011-P1-C012","The CFPB Withdrawn Guidance register and May 2025 withdrawal publication were checked. No CFPB circular, bulletin, or advisory was relied on for the substantive rules in this report.","P/H. Withdrawn guidance is distinct from the regulation, statute, or published judgment. Withdrawal does not repeal those authorities.","S022 full displayed register; S023 operative withdrawal text. \nConsumer Financial Protection Bureau\n+1"],["R011-P1-C013","Part 1041 still prints 16 CFR 310.2(cc) for remotely created payment orders. Current FTC text places that definition at (dd); the 2024 final rule explains the redesignation, effective May 16, 2024.","R/H; INF as to effect. The printed Part 1041 reference is preserved here, not silently corrected. Its broad, nonexclusive payment-transfer definition remains relevant independently; an actual instrument’s legal classification is held.","S001 §§ 8(a)(1)(i)(D), 9(b)(2)(ii)(B)(6), comment 3(c)-2; S008 (cc)–(dd); S009 amendatory instruction 2. \nConsumer Financial Protection Bureau\n+2"]]},{"headers":["Claim ID","Precise claim, trigger, conditions and exceptions","Status and limits","Source and pinpoint"],"index":3,"links":[{"href":"https://uscode.house.gov/us/usc/119-124/t12/s5481/?utm_source=chatgpt.com","text":"uscode.house.gov\n+1"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1041/2/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau\n+1"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1005/2/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1041/2/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau\n+1"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1041/2/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"},{"href":"https://uscode.house.gov/us/usc/119-124/t12/s5481/?utm_source=chatgpt.com","text":"uscode.house.gov\n+1"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1041/3/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1041/3/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1041/3/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau\n+1"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1041/2/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau\n+1"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1041/3/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1041/3/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1041/3/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1041/3/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1041/3/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau\n+1"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1041/3/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau\n+2"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1041/3/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1041/3/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau\n+1"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1041/3/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau\n+1"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1041/3/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1041/3/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1041/3/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1041/3/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1041/3/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau\n+1"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1041/3/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1041/3/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1041/3/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"}],"row_links":[[],[{"href":"https://uscode.house.gov/us/usc/119-124/t12/s5481/?utm_source=chatgpt.com","text":"uscode.house.gov\n+1"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1041/2/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau\n+1"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1005/2/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1041/2/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau\n+1"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1041/2/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"}],[{"href":"https://uscode.house.gov/us/usc/119-124/t12/s5481/?utm_source=chatgpt.com","text":"uscode.house.gov\n+1"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1041/3/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1041/3/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1041/3/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau\n+1"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1041/2/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau\n+1"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1041/3/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1041/3/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1041/3/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1041/3/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1041/3/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau\n+1"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1041/3/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau\n+2"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1041/3/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1041/3/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau\n+1"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1041/3/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau\n+1"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1041/3/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1041/3/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1041/3/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1041/3/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1041/3/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau\n+1"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1041/3/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1041/3/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1041/3/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"}]],"rows":[["Claim ID","Precise claim, trigger, conditions and exceptions","Status and limits","Source and pinpoint"],["R011-P1-C014","“Consumer” incorporates 12 USC 5481(4): an individual, including an agent, trustee, or representative acting for an individual.","S/R. No actual person or representative relationship classified.","S001 § 2(a)(4), (b); S002 § 5481(4). \nuscode.house.gov\n+1"],["R011-P1-C015","A lender is a person regularly extending credit primarily for personal, family or household purposes. Comment 2(a)(13)-1 imports the regularity test in Reg Z § 1026.2(a)(17)(v) and counts all such consumer loans, not only Part 1041 covered loans. The ordinary thresholds are more than 25 extensions, or more than 5 dwelling-secured extensions, in the preceding calendar year; if unmet, apply the current year. The separate high-cost-mortgage branch uses more than one qualifying extension, or one or more through a mortgage broker, in any 12 months.","R/I. No lender-volume, mortgage, license, or organizational finding.","S001 § 2(a)(13), comment 2(a)(13)-1; S005 § 1026.2(a)(17)(v). \nConsumer Financial Protection Bureau\n+1"],["R011-P1-C016","“Account” incorporates Reg E § 1005.2(b), including consumer deposit/other asset accounts within that definition and qualifying prepaid accounts; a bona fide trust account is excluded by (b)(2).","R/I. A card label alone does not establish a qualifying account. Detailed actual prepaid/account classification is held.","S001 § 2(a)(1), (b); S004 § 1005.2(b) and comments. \nConsumer Financial Protection Bureau"],["R011-P1-C017","“Credit” incorporates Reg Z’s right to defer payment of debt or incur debt and defer its payment. Closed-end credit is credit that is not Part 1041 open-end credit. Part 1041 adapts Reg Z’s open-end definition but does not require a right to impose a finance charge.","R/I. Repeated-transaction and replenishment features still matter; labels do not decide structure.","S001 §§ 2(a)(3), (11), (16), (b); S005 § 1026.2(a)(14), (20) and relevant comments. \nConsumer Financial Protection Bureau\n+1"],["R011-P1-C018","Consummation occurs when the consumer becomes contractually obligated on a new loan or a modification increasing an existing loan’s amount. Applicable law determines that obligation; a preliminary financial commitment alone is insufficient.","R/I. No contract formation or governing-law conclusion.","S001 § 2(a)(5), comment 2(a)(5)-1. \nConsumer Financial Protection Bureau"],["R011-P1-C019","“Affiliate” and “service provider” incorporate § 5481(1) and (26). Material assistance in offering/providing consumer financial products can qualify; the statute contains limitations for solely general business support and advertising, among others. Credit-access/service organizations can be service providers when the material-service test is met.","S/R/I. Service-provider status and agency attribution require their own facts; affiliation does not automatically make every affiliate the same lender for the two-failure count.","S001 §§ 2(a)(2), (18), comment 2(a)(18)-1; S002 § 5481(1), (26)(A)–(C). \nuscode.house.gov\n+1"],["R011-P1-C020","Coverage requires a lender making household-purpose closed- or open-end credit that satisfies at least one § 3(b) predicate and is neither excluded under (d) nor conditionally exempt under (e) or (f).","R/I. “Payday,” “title,” “pawn,” “installment,” “cash advance,” or “tribal” is not a substitute for the predicates.","S001 § 3(a)–(b), comments 3(b)-1–2. \nConsumer Financial Protection Bureau"],["R011-P1-C021","The short-term branch covers single-advance closed-end credit requiring substantially the entire loan within 45 days of consummation; other structures use substantially the entire advance within 45 days of that advance. “Substantially” is a facts-and-circumstances substantial-majority test. A qualifying deposit-sweep right can satisfy it even without an actual deposit. Voluntary early repayment alone does not.","R/I. No invented percentage threshold. For ambiguous schedules, whether nonpayment within the period would breach the agreement under applicable law matters.","S001 § 3(b)(1), comments 3(b)(1)-1–5. \nConsumer Financial Protection Bureau"],["R011-P1-C022","For loans outside the short-term branch, the balloon branch includes a required substantially entire single payment more than 45 days after consummation/advance, or a required payment more than twice another payment. It also covers specified multi-advance structures whose minimums may not amortize the balance and whose final payment could exceed twice the other minimums. Scheduled principal and charges count; actual unanticipated late/default/over-limit charges and default acceleration are excluded from this comparison.","R/I. This is not a calculation of any actual balloon or default balance.","S001 § 3(b)(2)(i)–(ii), comments 3(b)(2)-1–4. \nConsumer Financial Protection Bureau\n+1"],["R011-P1-C023","The residual longer-term branch requires both cost of credit exceeding 36% per annum and a leveraged payment mechanism. Closed-end cost is measured at consummation. Section 2(a)(6) incorporates Reg Z finance charges and the specified closed-/open-end calculation methods.","R/I. The 36% predicate is not a usury cap and is not a prerequisite for the short-term or balloon branches. Complete APR/fee calculations remain held.","S001 §§ 2(a)(6), 3(b)(3)(i)–(ii). \nConsumer Financial Protection Bureau\n+1"],["R011-P1-C024","Open-end cost is tested at consummation and, if not then above 36%, at each billing-cycle end. A cycle with a finance charge and zero principal satisfies the cost condition. Once met, the cost condition remains met for the plan’s duration. A loan may become covered later when both cost and mechanism predicates coincide.","R/I. Comment 3(b)(3)-3 illustrates compliance beginning with the next billing cycle after a cycle-end crossing; no actual cycle or date calculated.","S001 § 3(b)(3)(i)(B), comments 3(b)(3)-1–3. \nConsumer Financial Protection Bureau"],["R011-P1-C025","A leveraged payment mechanism is a right of the lender/service provider to pull money from the consumer’s account without further consumer action, on one occasion or repeatedly. It includes qualifying checks, EFT authority, remotely created instruments and internal setoff. A contractual right to elect future/default authorization can suffice. Consumer-controlled bank bill pay is a push; a qualifying single immediate payment request alone is excluded from this mechanism definition.","R/I. The immediate-payment exclusion from the mechanism definition does not exempt an otherwise covered short-term/balloon loan.","S001 § 3(c), comments 3(c)-1–4 and 3(b)(3)(ii)-1–2. \nConsumer Financial Protection Bureau"],["R011-P1-C026","Purchase-money exclusion: credit solely and expressly financing the consumer’s initial purchase of a good, secured by that good, is excluded whether or not the security interest is perfected/recorded. Specified taxes and legally required licensing/registration costs can be included. A refinance of purchase credit does not qualify for this exclusion.","R/I. Existing-collateral title lending is not automatically initial-purchase financing.","S001 § 3(d)(1), comment 3(d)(1)-1. \nConsumer Financial Protection Bureau"],["R011-P1-C027","Real-property/dwelling exclusion: credit secured by real property, or personal property used/expected to be used as a dwelling, is excluded only if the lender records or otherwise perfects the security interest within the loan term.","R/I. Mere contractual security language without the specified perfection/recording condition is insufficient for this exclusion.","S001 § 3(d)(2), comment 3(d)(2)-1. \nConsumer Financial Protection Bureau"],["R011-P1-C028","Credit-card exclusion: a credit-card account under an open-end, not home-secured consumer credit plan as defined in Reg Z § 1026.2(a)(15)(ii) is excluded.","R. Using a debit/prepaid card to repay another loan does not make that loan an excluded credit-card account.","S001 § 3(d)(3); S005 § 1026.2(a)(15)(ii). \nConsumer Financial Protection Bureau\n+1"],["R011-P1-C029","Education exclusion: qualifying HEA Title IV credit and “private education loans” under § 1026.46(b)(5) are excluded. The latter definition requires specified postsecondary educational purpose and excludes open-end and real-property/dwelling-secured credit; it also excludes certain institution-creditor arrangements, including terms of 90 days or less, or no-interest terms of one year or less.","R. A student-purpose label alone is insufficient. Underlying HEA program and educational-institution facts remain held; the entire HEA was not reviewed.","S001 § 3(d)(4); S005 § 1026.46(b)(5) and comments. \nConsumer Financial Protection Bureau\n+2"],["R011-P1-C030","Pawn exclusion: the lender must have sole physical possession and use of the property throughout the loan term, and its sole recourse must be retaining that property if not redeemed. Consumer possession/use, even limited use, defeats that condition; personal deficiency liability of the consumer, cosigner or guarantor defeats sole recourse.","R/I. Pawn/title labels alone do not establish exclusion. Forfeiture and collateral law remain held.","S001 § 3(d)(5), comment 3(d)(5)-1. \nConsumer Financial Protection Bureau"],["R011-P1-C031","Overdraft exclusion: overdraft services defined by Reg E § 1005.17(a), and overdraft lines excluded from that definition by § 1005.17(a)(1), are excluded.","R/I. This exclusion was independently read. It does not incorporate any unreviewed R010 fee analysis or establish bank-fee immunity.","S001 § 3(d)(6), comment 3(d)(6)-1; S004 § 1005.17(a). \nConsumer Financial Protection Bureau\n+1"],["R011-P1-C032","Wage-advance exclusion: credit must be advanced by an FLSA employer or its business partner to employees, only against accrued earned cash wages. Before advancement, the contract must warrant, for the advancing entity and relevant partners: no charges other than program participation; no legal/contractual remedy for nonpayment; and no collection, debt placement/sale, or consumer-reporting activity if unpaid as specified.","R/I. A one-time account authorization is not itself inconsistent with the no-remedy warranty. Accrued wages depend on state-law entitlement upon separation, which is held.","S001 § 3(d)(7)(i)–(ii)(A)–(C), comments; S011 § 203(d). \nConsumer Financial Protection Bureau\n+1"],["R011-P1-C033","No-cost-advance exclusion: no charge or fee may be required for eligibility or receipt, and before advancement the contract must warrant no legal/contractual nonpayment remedy and no collection, placement/sale as debt, or consumer reporting if unpaid on the scheduled date.","R/I. A one-time account authorization is permitted by the comment; “no interest” alone is not the full exclusion.","S001 § 3(d)(8)(i)–(ii), comment 3(d)(8)-1. \nConsumer Financial Protection Bureau"],["R011-P1-C034","Alternative-loan terms: closed-end; term one through six months; principal $200 through $1,000; at least two substantially equal payments at substantially equal intervals; complete amortization; no charges beyond the rate/application fees allowed by the cited NCUA PALs I provision.","R/I. Minor cents/calendar variations can be disregarded as specified. Interest-only or front-loaded interest/fee schedules do not satisfy full-amortization conditions. The comment’s illustrative variation is not a universal percentage safe harbor.","S001 § 3(e)(1)(i)–(v), comments 3(e)(1)(iv)-1–3 and (v)-1. \nConsumer Financial Protection Bureau"],["R011-P1-C035","Before an alternative loan, the lender must determine from its own records that the consumer would not be indebted on more than three outstanding alternative loans from that lender within the specified consecutive 180-day period, and must have no more than one alternative loan at a time. The period runs from 180 days before consummation through consummation.","R/I. This is not merely a count of origination dates. An outside consumer report is not required by this condition.","S001 § 3(e)(2), comments 3(e)(2)-1–4. \nConsumer Financial Protection Bureau"],["R011-P1-C036","An alternative-loan lender must maintain and follow policies for documenting proof of recurring income.","R/I. This limited condition survives; it is not reinstatement of the revoked comprehensive ability-to-repay provisions.","S001 § 3(e)(3), comment 3(e)(3)-1; S014. \nConsumer Financial Protection Bureau"],["R011-P1-C037","A federal credit-union loan complying with § 701.21(c)(7)(iii), PALs I, receives the § 3(e)(4) safe harbor. Its conditions include the relevant amount/term/amortization limits, borrowing limits, membership period, restricted rollovers, actual-cost application fee capped at $20, lending-policy/aggregate limits, and the rate formula tied to the current Board ceiling.","R/I, partial rate verification. This is not a blanket credit-union or PALs II exemption. The rate formula is 1,000 basis points above the applicable general ceiling; that current ceiling was not independently established. Other-law permissibility remains necessary.","S001 § 3(e)(4), comment 3(e)-1; S006 § 701.21(c)(7)(iii). \nConsumer Financial Protection Bureau\n+1"],["R011-P1-C038","Accommodation exemption: at consummation, lender and affiliates together must have made no more than 2,500 covered loans in both the current and preceding calendar years, plus satisfy the 10% receipts test for the latest completed operating tax year, or the specified reasonable current-year forecast for a new lender. Specified covered longer-term loans whose transfers all meet § 8(a)(1)(ii), and their receipts, are excluded from these calculations.","R/I. Forecasts must reasonably account for known substantial changes. Actual affiliate aggregation, counts and receipts are held.","S001 § 3(f)(1)–(3), comments 3(f)-1–2. \nConsumer Financial Protection Bureau"],["R011-P1-C039","For accommodation lending, receipts are defined using total income—or sole-proprietor gross income—plus cost of goods sold. Specified capital gains/losses, pass-through taxes and amounts collected for another are excluded; earned fees and listed business costs are not generally deducted. “Tax year” uses the stated annual-accounting-period meaning.","R. No tax return, receipts calculation, tax advice, or IRS form audit performed.","S001 § 3(g)–(h). \nConsumer Financial Protection Bureau"],["R011-P1-C040","None of these generic definitions establishes coverage, exclusion, exemption, sovereign authority, or enforceability for any actual payday/title/pawn/installment/tribal/advance arrangement.","U/INF. Actual classification and all held state, tribal, country and contract questions remain open.","S001 §§ 2–3; particularly comment 3(e)-1 preserving other applicable law. \nConsumer Financial Protection Bureau"]]},{"headers":["Claim ID","Precise claim, trigger, conditions and exceptions","Status and limits","Source and pinpoint"],"index":4,"links":[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1041/8/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1041/8/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau\n+2"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1041/8/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1041/8/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1041/7/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau\n+1"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1041/8/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau\n+1"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1041/8/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1041/8/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1041/8/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1041/8/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau\n+1"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1041/8/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1041/8/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau\n+1"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1041/8/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1041/8/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau\n+2"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1041/8/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"}],"row_links":[[],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1041/8/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1041/8/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau\n+2"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1041/8/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1041/8/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1041/7/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau\n+1"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1041/8/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau\n+1"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1041/8/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1041/8/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1041/8/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1041/8/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau\n+1"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1041/8/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1041/8/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau\n+1"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1041/8/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1041/8/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau\n+2"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1041/8/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"}]],"rows":[["Claim ID","Precise claim, trigger, conditions and exceptions","Status and limits","Source and pinpoint"],["R011-P1-C041","A payment transfer is a lender-initiated debit/withdrawal from a consumer account to collect an amount due or purportedly due on a covered loan. Agent-initiated withdrawals count. Scheduled payments, partial amounts, acceleration amounts and fees can qualify; a disputed or legally unowed amount can still be a payment transfer.","R/I. Calling the amount disputed does not remove the transfer from the rule; the debt’s validity itself is held.","S001 § 8(a)(1), comments 8(a)(1)-1–3. \nConsumer Financial Protection Bureau"],["R011-P1-C042","The definition is method-neutral and nonexclusive: EFTs, debit/prepaid-card transfers, signature checks processed through check or ACH networks, remotely created checks/orders, and qualifying internal transfers, sweeps and setoff can count. A paper-check transaction need not be a Reg E EFT to be a Part 1041 payment transfer.","R/I. The FTC cross-reference mismatch in C013 remains flagged.","S001 § 8(a)(1)(i)(A)–(E), comments; S004 § 1005.3(b); S007–S009. \nConsumer Financial Protection Bureau\n+2"],["R011-P1-C043","Consumer cash payment, consumer bank online/mobile bill payment, and repayment pursuant to a valid account-garnishment court order are examples the interpretation does not treat as lender-initiated payment transfers.","I. This does not decide a garnishment order’s validity or authorize litigation/collection action.","S001 comment 8(a)(1)-4. \nConsumer Financial Protection Bureau"],["R011-P1-C044","An account-holding lender’s transfer is excluded only when both contractual protections were effective when the loan was made and remain through its duration: no insufficient-funds-related charge other than a legally permitted loan late fee; and no account closure in response to the negative balance caused by the covered-loan transfer.","R/I. A discretionary fee waiver is insufficient. Closure for a different specified reason may remain possible. This is a transfer exclusion, not a blanket loan exemption; excluded transfers are outside §§ 7–9 for that transaction.","S001 § 8(a)(1)(ii)(A)–(B), all accompanying comments. \nConsumer Financial Protection Bureau"],["R011-P1-C045","Section 7 identifies the specified further-withdrawal practice as unfair and abusive; comment 7-1 states that compliance with § 8 means the lender has not committed that identified practice for the covered loan.","R/I. The statement is not an all-law safe harbor or license validation.","S001 § 7 and Supplement I comment 7-1; S016 p. 1054/index 25. \nConsumer Financial Protection Bureau\n+1"],["R011-P1-C046","After two consecutive qualifying failures, the lender must not initiate further payment transfers from that account for covered loans the consumer has with that lender, absent an applicable exception. The failures can involve different covered loans; old contractual authorization or a postdated check does not itself remove the bar.","R/I. Affiliation alone is not an instruction to pool every lender’s counts. Actual lender/agent identity relationships remain held.","S001 § 8(b)(1), comments 8(b)-1–4. \nConsumer Financial Protection Bureau\n+1"],["R011-P1-C047","Ordinarily, a qualifying failure is a return unpaid or decline because of insufficient funds. A return for another reason, such as an incorrectly entered account number, is not a failed transfer for this prohibition.","R/I. A “returned” label alone is insufficient; the reason matters. No actual return code was queried or classified.","S001 § 8(b)(1), comments 8(b)(1)-1 and -3. \nConsumer Financial Protection Bureau"],["R011-P1-C048","For a nonexcluded transfer by the account-holding lender, an amount exceeding available funds is a failed transfer even if internally coded differently or fully paid through overdraft. Merely observing insufficient funds and deferring the debit is not an initiated failed transfer.","R/I. Apply the account-holding exclusion first; no universal “paid means successful” assumption.","S001 § 8(b)(1), comment 8(b)(1)-4. \nConsumer Financial Protection Bureau"],["R011-P1-C049","A qualifying failure is a first failure when no other relevant transfer has been initiated from the account, when the immediately preceding transfer was successful, or when it is the first failure following a valid § 8(c) authorization.","R. These are the actual listed branches; no generic reset based on elapsed time is supplied.","S001 § 8(b)(2)(i)(A)–(C). \nConsumer Financial Protection Bureau"],["R011-P1-C050","A qualifying failure is the second consecutive failure when the immediately preceding transfer was a first failed transfer. Transfers initiated simultaneously or on the same day can supply the sequence. Different channels do not prevent counting.","R/I. Splitting an attempted collection does not necessarily create separate fresh counting periods.","S001 § 8(b)(2)(ii)–(iii), comments 8(b)(2)(ii)-1–2 and 8(b)(2)(iii)-1. \nConsumer Financial Protection Bureau\n+1"],["R011-P1-C051","The prohibition attaches when the lender or its agent receives the second qualifying return. For the account-holding lender’s applicable transfer, it attaches on initiation of the second qualifying failed transfer.","I. Internal lender knowledge cannot automatically be postponed beyond processor/agent receipt.","S001 comment 8(b)(1)-2. \nConsumer Financial Protection Bureau"],["R011-P1-C052","Before the bar, a successful payment transfer supplies the stated reset branch; a cash payment does not because it is not a payment transfer. After the bar, a § 8(d) immediate payment leaves the consecutive-failure count at two whether it succeeds or fails.","I. Successful voluntary payment under (d) does not revive the old recurring authority.","S001 comments 8(b)(2)(i)-1 and 8(b)(2)(ii)-3. \nConsumer Financial Protection Bureau\n+1"],["R011-P1-C053","The specific bar concerns the affected account. The commentary also distinguishes a bona fide subsequent new loan originated after the bar from a refinance/rollover of a covered loan already subject to it.","I. Another account is not automatically prohibited by this particular count, but independent authority and anti-evasion rules still matter. Relabeling/refinancing the existing loan is not the bona fide-new-loan exception.","S001 comments 8(b)-1–4. \nConsumer Financial Protection Bureau"],["R011-P1-C054","The two-failure restriction regulates collection transfers; it does not itself discharge the debt, validate a license/contract, cancel every possible bank fee, or forbid consumer cash/bank-push payments and properly qualifying (c)/(d) transfers.","INF, supported by the rule’s defined scope and express exceptions. Other laws may separately govern those subjects; they are held.","S001 §§ 8(a)–(d), 2(a)(17); C041–C053, C056–C067. \nConsumer Financial Protection Bureau\n+2"],["R011-P1-C055","A non-NSF return is not itself one of the two qualifying failures. However, the text’s separate “immediately preceding successful transfer” language should not be replaced with an assumption that every non-NSF return was successful.","U for atypical longer mixed sequences. Exact treatment beyond the expressly read branches remains unresolved where an intervening unsuccessful non-NSF return complicates later counting.","S001 § 8(b)(2)(i)–(ii), comments 8(b)(1)-3 and 8(b)(2)(i)-1. \nConsumer Financial Protection Bureau"]]},{"headers":["Claim ID","Precise claim, trigger, conditions and exceptions","Status and limits","Source and pinpoint"],"index":5,"links":[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1041/8/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1041/8/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1041/8/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1041/8/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1041/8/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1041/8/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau\n+1"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1041/8/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1041/8/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau\n+2"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1041/8/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1041/8/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1041/8/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau\n+1"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1041/8/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1005/3/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau\n+1"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1005/10/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1005/10/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau\n+1"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1041/8/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"}],"row_links":[[],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1041/8/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1041/8/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1041/8/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1041/8/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1041/8/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1041/8/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau\n+1"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1041/8/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1041/8/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau\n+2"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1041/8/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1041/8/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1041/8/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau\n+1"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1041/8/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1005/3/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau\n+1"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1005/10/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1005/10/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau\n+1"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1041/8/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"}]],"rows":[["Claim ID","Precise claim, trigger, conditions and exceptions","Status and limits","Source and pinpoint"],["R011-P1-C056","Section 8(c) authorization is additional to, not a replacement for, any underlying payment authorization or instrument required by other applicable law.","I. Generic original contract language is not automatically the new rule-specific authorization.","S001 § 8(c)(1), comment 8(c)(1)-1. \nConsumer Financial Protection Bureau"],["R011-P1-C057","Ordinarily, each additional transfer must be authorized by specific month/day/year, amount and payment channel. An amount equal to or below the authorized amount satisfies the amount condition; a larger amount does not.","R/I. The date/channel and all other conditions still apply; reduced amount alone is insufficient.","S001 § 8(c)(2)(i), comments 8(c)(2)(i)-1–4. \nConsumer Financial Protection Bureau"],["R011-P1-C058","A § 8(c)-authorized transfer returned for NSF may be reinitiated on or after its authorized date only if that return has not again triggered the prohibition.","R. This is a limited date exception, not unlimited retries.","S001 § 8(c)(2)(ii). \nConsumer Financial Protection Bureau"],["R011-P1-C059","A transfer solely collecting a late or returned-item fee can omit a specific date/amount only if advance authorization clearly states that purpose, the highest possible fee amount, and the channel. Varying-fee factors must be assumed at their maximum for that disclosure.","R/I. This exception does not establish that the fee itself is lawful.","S001 § 8(c)(2)(iii), comments 8(c)(2)(iii)-1–3. \nConsumer Financial Protection Bureau"],["R011-P1-C060","The lender may request the new authorization no earlier than the date it provides the consumer-rights notice. The request must contain the specific terms and applicable fee statement. Alternative offers and follow-up requests are not categorically forbidden.","R/I. Request timing differs from the later receipt-based condition for obtaining agreement.","S001 § 8(c)(3)(ii), comments 8(c)(3)(ii)-1–2. \nConsumer Financial Protection Bureau"],["R011-P1-C061","Request terms may be given in writing by mail/in person, or retainable email with qualifying § 9 consent or agreement during a consumer-initiated response to the rights notice. Oral telephone delivery of the required terms requires the consumer to initiate that responsive call and agree during it. Rights notice and request may share a communication if properly segregated.","R/I. An outbound lender call may discuss options but does not satisfy the special oral-delivery branch. Electronic provision of request terms is distinguished from electronic signing.","S001 § 8(c)(3)(ii)(A)–(B), all accompanying comments. \nConsumer Financial Protection Bureau\n+1"],["R011-P1-C062","The authorization must be signed or otherwise agreed to in writing/electronically in retainable form and obtained no earlier than the consumer’s receipt of the rights notice. In-person/electronic receipt is when provided; mailed receipt is the earlier of the third business day after mailing or an affirmative response to that mailed notice.","R/I. Mailing the request and notice together does not by itself permit obtaining agreement before deemed/actual responsive receipt.","S001 § 8(c)(3)(iii)(A), comments -1–2. \nConsumer Financial Protection Bureau"],["R011-P1-C063","Electronic agreement must meet the referenced E-SIGN electronic-record/signature requirements. If authorization is granted during an oral telephone communication, the lender must record the call and retain it.","R/I. A telephone conversation is not automatically a legally sufficient underlying recurring-EFT authorization under Reg E.","S001 § 8(c)(3)(iii)(A)–(B); S010 §§ 7001(a)–(b), 7006(4), (5), (9). \nConsumer Financial Protection Bureau\n+2"],["R011-P1-C064","If the agreement is telephonic or otherwise not immediately retainable, the lender must provide retainable memorialization by the first authorized transfer’s initiation date. Mailing/transmission supplies the provision date; a copy of the audio recording alone is insufficient. Email must meet the specified request-email conditions.","R/I. Actual delivery method, content and timing remain unknown.","S001 § 8(c)(3)(iii)(C), comments -1–3. \nConsumer Financial Protection Bureau"],["R011-P1-C065","A § 8(c) authorization becomes void for that exception when a new § 8(c) authorization is obtained or when two consecutive transfers under it fail.","R. No separate comprehensive Part 1041 payment-authorization revocation procedure is invented here. Underlying Reg E rights and § 9 electronic-notice consent revocation are distinct.","S001 § 8(c)(4)(i)–(ii); S004 § 1005.10(c); S001 § 9(a)(4)(ii). \nConsumer Financial Protection Bureau"],["R011-P1-C066","A “single immediate payment transfer” is a one-time EFT initiated within one business day after authorization, or the consumer’s signature check processed through check/ACH within one business day after provision. Initiation occurs when the lender/agent sends the transfer beyond its control; an internal handoff alone is insufficient. A mailed check is provided when received.","R/I. No actual calendar computation made.","S001 § 8(a)(2)(i)–(ii), comments 8(a)(2)(i)-1 and (ii)-1–2. \nConsumer Financial Protection Bureau\n+1"],["R011-P1-C067","After the bar, § 8(d) permits that immediate transfer if its underlying one-time authorization/check is obtained no earlier than the rights-notice provision date or the consumer’s affirmative contact about repayment, whichever is earlier. Each request supports one attempt only; another attempt requires a fresh qualifying (c) or (d) basis.","R/I. Separate qualifying requests can occur repeatedly, but success does not reset the barred count. The rights-notice duty remains.","S001 § 8(d)(1)–(2), comments 8(d)-1–3 and 8(b)(2)(ii)-3. \nConsumer Financial Protection Bureau"],["R011-P1-C068","For recurring preauthorized EFTs within Reg E, § 1005.10(b) requires written/similarly authenticated consumer authorization and a copy. Check conversion and returned-item-fee EFTs have their own § 1005.3(b)(2)–(3) authorization/notice predicates.","R/I, bounded overlay. Part 1041 compliance does not establish those separate predicates. No full Reg E fee or electronic-transfer audit is supplied.","S004 §§ 1005.2(k), 1005.3(b)(2)–(3), 1005.10(b). \nConsumer Financial Protection Bureau\n+1"],["R011-P1-C069","Reg E permits stopping a scheduled preauthorized EFT through oral/written notice to the account institution at least three business days before it. The institution may require written confirmation within 14 days, subject to the contemporaneous instruction/address conditions. The official interpretation separately addresses notice of revoked authorization and blocking future debits.","R/I. These are separate rights and predicates, not a conclusion about any actual bank’s duties, deadline or liability.","S004 § 1005.10(c)(1)–(2), comments 10(c)-1–3. \nConsumer Financial Protection Bureau"],["R011-P1-C070","Reg E’s varying-amount preauthorized-EFT notice generally uses 10 days before transfer, subject to its informed range/difference option and stated exceptions. Section 1005.10(e)(1) also restricts conditioning credit on repayment by recurring preauthorized EFT, with specified exceptions.","R/I. Part 1041’s notice periods do not automatically satisfy these separate rules. This is not a comprehensive Reg E/Reg Z review.","S004 § 1005.10(d), (e)(1) and comments. \nConsumer Financial Protection Bureau\n+1"],["R011-P1-C071","Sections 8(e) and 13 prohibit intentional evasion. Substance and circumstances control over labels; knowing or reckless conduct can qualify, and fraud is not a prerequisite. Conduct solely for legitimate business purposes is distinguished.","R/I. No actual intent finding. Test transfers or splitting arrangements require facts; the official illustration is not a per se conclusion about every small transfer.","S001 § 8(e), comments 8(e)-1–2; § 13 and comment. \nConsumer Financial Protection Bureau"]]},{"headers":["Claim ID","Precise claim, trigger, conditions and exceptions","Status and limits","Source and pinpoint"],"index":6,"links":[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1041/9/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1041/9/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1041/9/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau\n+2"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1041/9/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1041/9/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1041/9/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau\n+1"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1041/9/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1041/9/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1041/9/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1041/9/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1041/9/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau\n+1"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1041/9/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1041/9/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau\n+2"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1041/9/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1041/9/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1041/9/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau\n+1"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1041/9/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"},{"href":"http://www.cfpb.gov/payday","text":"www.cfpb.gov/payday"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1041/9/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1041/9/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1041/8/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau\n+2"},{"href":"https://files.consumerfinance.gov/f/documents/cfpb_payday_lending-models-disclosures-and-clauses.pdf?utm_source=chatgpt.com","text":"files.consumerfinance.gov"}],"row_links":[[],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1041/9/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1041/9/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1041/9/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau\n+2"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1041/9/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1041/9/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1041/9/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau\n+1"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1041/9/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1041/9/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1041/9/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1041/9/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1041/9/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau\n+1"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1041/9/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1041/9/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau\n+2"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1041/9/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1041/9/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1041/9/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau\n+1"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1041/9/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"}],[{"href":"http://www.cfpb.gov/payday","text":"www.cfpb.gov/payday"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1041/9/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1041/9/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1041/8/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau\n+2"}],[{"href":"https://files.consumerfinance.gov/f/documents/cfpb_payday_lending-models-disclosures-and-clauses.pdf?utm_source=chatgpt.com","text":"files.consumerfinance.gov"}]],"rows":[["Claim ID","Precise claim, trigger, conditions and exceptions","Status and limits","Source and pinpoint"],["R011-P1-C072","Notices must be clear/conspicuous, understandable and noticeable, and viewable on paper or screen. Oral or recorded notices do not satisfy § 9. They must be retainable, except the short notices delivered by text/app; short email notices remain retainable.","R/I. The exception does not excuse retention capability for the full electronic notice.","S001 § 9(a)(1)–(3), comments. \nConsumer Financial Protection Bureau"],["R011-P1-C073","Electronic delivery requires affirmative written/electronic consent to each particular method. The consumer must separately be offered email; email alone may be the offered electronic method.","R/I. Generic electronic contracting or consent to one channel does not automatically establish consent to another. Section 9 uses its own consent framework without E-SIGN delivery formalities.","S001 § 9(a)(4)(i)(A)–(B), comments 9(a)(2)-1 and 9(a)(4)(i)-1. \nConsumer Financial Protection Bureau"],["R011-P1-C074","A method can no longer be used after consent is revoked by any reasonable means or the lender receives information that the consumer cannot receive/access notices through it. Another separately consented method may remain available.","R/I. After a timely notice already provided, the specified commentary permits the currently disclosed payment to proceed; future unusual notices require alternate delivery. Notice-consent loss is distinct from payment-authorization revocation.","S001 § 9(a)(4)(ii), comments; §§ 9(b)(2)(i)(B)(2), 9(b)(3)(i)(B)(2). \nConsumer Financial Protection Bureau\n+2"],["R011-P1-C075","Required notices must be segregated from other materials, allowing only specified identification/branding/navigation additions. Other content cannot surround the required content; it can be in a separate paper/page. Electronic full payment and rights notices must be machine readable and accessible through both browsers and screen readers.","R/I. A PDF extension alone does not establish accessibility.","S001 § 9(a)(5)–(6), comment 9(a)(5)-1. \nConsumer Financial Protection Bureau"],["R011-P1-C076","Use of the official models is optional, but required content, order and format must be substantially similar to the applicable models. The official comment provides a disclosure safe harbor for model use. Another language may be used if English is available on request.","R/I. Model use does not excuse timing, consent, truthful population, or other-law defects.","S001 § 9(a)(7)–(8), comment 9(a)(7)-1; Appendix A. \nConsumer Financial Protection Bureau"],["R011-P1-C077","The first-payment notice concerns the first scheduled transfer for a particular covered loan, excluding a qualifying immediate transfer. A loan’s first transfer after becoming covered can be the first withdrawal. Changing authorization later does not automatically create a new first withdrawal. An intervening cash payment can leave the original timely first notice sufficient for the next scheduled withdrawal, subject to unusual-withdrawal duties.","R/I. “First payment ever received” is not the test.","S001 § 9(b)(1)(i), comments 9(b)(1)(i)-1–3. \nConsumer Financial Protection Bureau\n+1"],["R011-P1-C078","An unusual withdrawal involves one or more of: an amount larger or smaller than scheduled; a different/unscheduled date; a channel different from the directly preceding transfer; or reinitiation of a returned transfer. For open-end credit, the amount comparison is to the minimum due disclosed on the periodic statement.","R/I. Retry notices are not limited to NSF returns; fee-only/unscheduled collections can trigger amount/date disclosures.","S001 §§ 9(b)(1)(ii), 9(b)(3)(ii)(C)(1)–(4), comments -1–4. \nConsumer Financial Protection Bureau"],["R011-P1-C079","The § 9(b) payment notice is not required for the initial transfer after valid § 8(c) authorization, even if unusual, or for a qualifying § 8(a)(2) immediate transfer. For an authorized series, the first exception covers only the initial transfer.","R/I. These exceptions concern payment notices, not automatic cancellation of the consumer-rights notice.","S001 § 9(b)(1)(iii)(A)–(B), comments -1–2. \nConsumer Financial Protection Bureau"],["R011-P1-C080","A first-payment notice may be sent no earlier than payment authorization. Mail requires at least six business days before initiation; electronic delivery/in person requires at least three business days. Mailing/sending, rather than consumer receipt, starts the disclosed notice interval.","R/I. No actual holiday or business-day calendar was applied.","S001 § 9(b)(2)(i)(A)–(C), timing comments. \nConsumer Financial Protection Bureau"],["R011-P1-C081","An unusual-payment notice by mail must be sent 10 through 6 business days before initiation; electronic/in-person notice uses 7 through 3 business days before initiation.","R. These include an earliest as well as latest permitted point, unlike the first notice’s authorization-based earliest point. Open-end exception addressed separately.","S001 § 9(b)(3)(i)(A)–(C). \nConsumer Financial Protection Bureau"],["R011-P1-C082","An open-end unusual notice may accompany the Reg Z § 1026.7(b) periodic statement using applicable statement timing. For relevant non-card open-end statements, § 1026.5(b)(2)(ii)(B) supplies the conditional 21-day grace-period and 14-day late-treatment timing requirements.","R, bounded overlay. Section 9 segregation still applies; this is not permission to bury the notice in unrelated statement text. Full periodic-statement content and any actual statement calendar remain held.","S001 § 9(b)(3)(i)(D); S005 §§ 1026.5(b)(2)(ii)(B), 1026.7(b). \nConsumer Financial Protection Bureau\n+1"],["R011-P1-C083","The full first notice requires the prescribed “Upcoming Withdrawal Notice” identification and lender name; initiation date; total transfer amount; enough account information without the full account number; loan identification; specific channel; and a check number when applicable.","R/I. Initiation means release beyond lender/agent control to third-party processing. Actual identifying entries were not obtained or invented.","S001 § 9(b)(2)(ii)(A)–(B)(6), comments. \nConsumer Financial Protection Bureau"],["R011-P1-C084","Its payment-breakdown table must show principal even when zero, accrued interest, applicable fees/other charges, total, and the prescribed applicable interest-only/negative-amortization statement. It also needs lender name, a different transfer-facing name if used, and two different forms of contact information.","R/I. Fees may be aggregated or separately stated as allowed. No actual amount or fee legality determined.","S001 § 9(b)(2)(ii)(C)(1)–(7), (D), comments. \nConsumer Financial Protection Bureau\n+2"],["R011-P1-C085","The unusual notice uses its prescribed alert heading, the basic transfer/breakdown/contact content, and all applicable unusual explanations. A retry explanation includes the prior unsuccessful attempt’s date, amount and reason for return; a channel-change explanation identifies the former channel.","R/I. This is not satisfied merely by saying “payment due.”","S001 § 9(b)(3)(ii)(A)–(C). \nConsumer Financial Protection Bureau"],["R011-P1-C086","Electronic short payment notices contain the identification, date, amount and limited account information, plus a unique URL when the full notice is linked rather than attached as PDF. Unusual short notices add applicable amount/date/channel changes. The short-notice list does not separately enumerate the full notice’s retry-history field.","R. The full notice still must contain all applicable retry details. A short notice alone is insufficient.","S001 § 9(b)(4)(i)–(ii)(A)–(B). \nConsumer Financial Protection Bureau"],["R011-P1-C087","With valid email consent, the lender may put the full notice in the email body, or send the full notice by linked webpage/PDF attachment with the required short notice. The interpretation specifies the identifying statement in email subject and body. Other electronic methods use the full-plus-short structure.","R/I. A bare link without required short content is insufficient.","S001 § 9(b)(4)(iii), comments 9(b)(4)-1, 9(b)(4)(ii)(A)-1. \nConsumer Financial Protection Bureau\n+1"],["R011-P1-C088","After the two failures described in § 8(b), a consumer-rights notice must be sent no later than three business days after the lender or agent receives information of the second failure.","R/I. The trigger is information receipt by either; actual processing or management review dates are unknown.","S001 § 9(c)(1)–(2), comment 9(c)(2)-1. \nConsumer Financial Protection Bureau"],["R011-P1-C089","The full rights notice must identify the lender’s inability to continue withdrawals; describe the two NSF failures or applicable overdraft result; identify the account without its full number and associated covered loans; state the federal permission restriction and possible contact about choices; and tabulate scheduled due dates, attempt dates, amounts and lender-charged fees. The final information must be the prescribed CFPB statement and www.cfpb.gov/payday.","R/I. When the lender holds the account, the fee field includes relevant loan and deposit-account fees. The full account number must not be supplied.","S001 § 9(c)(3)(i)–(viii), comments 9(c)(3)-1–2. \nConsumer Financial Protection Bureau"],["R011-P1-C090","The short electronic rights notice includes the lender restriction, last-two-failure statement, limited account information, federal permission restriction and unique URL when linked. Email can use the full-body alternative; otherwise full-plus-short delivery applies.","R/I. Consent, retention, segregation and accessibility conditions remain applicable.","S001 § 9(c)(4)(i)–(iii), comment 9(c)(4)-1. \nConsumer Financial Protection Bureau"],["R011-P1-C091","A later immediate payment or new authorization does not create an express waiver of the already-triggered rights notice. Rights notice and authorization request may share an envelope/email only with the specified segregation; open-end notice/statement combination has its own limited rule.","R/I/INF. No general license to combine all notices with all contract or marketing content is inferred.","S001 §§ 8(c)(3)(ii), 8(d), 9(a)(5), 9(b)(1)(iii), 9(b)(3)(i)(D), 9(c)(1). \nConsumer Financial Protection Bureau\n+2"],["R011-P1-C092","The official May 2019 model PDF’s entire parsed text was read. It supplies generic illustrative models A-3–A-8, with sample populated fields, rather than a wholly empty fillable audit form.","Text read / visual U. No sample identities or amounts are reproduced here. No model pixels were inspectable; extraction alone does not verify layout or visual conformity.","S015, indexes 0–6; model inspection table below. \nfiles.consumerfinance.gov"]]},{"headers":["Notice","Trigger","Mail","Electronic / in person","Main content and model","Exceptions / combination"],"index":7,"links":[],"row_links":[[],[],[],[],[]],"rows":[["Notice","Trigger","Mail","Electronic / in person","Main content and model","Exceptions / combination"],["First payment","First scheduled transfer for the covered loan, subject to the interpretations","No earlier than authorization; at least 6 business days before initiation","No earlier than authorization; at least 3 business days before initiation","Transfer terms, breakdown, warnings as applicable, contacts; A-3; electronic short A-6","Initial valid § 8(c) transfer and qualifying immediate transfer excluded; C077–C080"],["Unusual payment","Any applicable amount, date, channel or retry condition","10–6 business days before initiation","7–3 business days before initiation","Basic full content plus applicable unusual explanation; A-4; short A-7","Same § 9(b)(1)(iii) exceptions; limited open-end periodic-statement timing option"],["Consumer rights","Two consecutive qualifying failures","Send within 3 business days after information of second failure","Same trigger/deadline; electronic consent and full/short rules apply","Restriction, failure explanation, account/loan information, previous-attempt table, CFPB footer; A-5; short A-8","No express waiver merely because later payment occurs; may accompany segregated authorization request"],["All three","When required","Written, clear, retainable and segregated","Valid method-specific consent; full notice machine readable; email full-body option or full-plus-short arrangement","Substantially similar required content/order/format","Short text/app retention exception does not excuse full-notice retention/accessibility"]]},{"headers":["Model","PDF index","Parsed text actually observed","Visual/read limitation"],"index":8,"links":[],"row_links":[[],[],[],[],[],[],[]],"rows":[["Model","PDF index","Parsed text actually observed","Visual/read limitation"],["A-3","1","Upcoming-withdrawal identification; date/amount/account/check fields; breakdown; applicable interest-only warning; fee/contact and stopping-payment language","No inspected pixels; type size, spacing, borders and full visual ordering not verified"],["A-4","2","Unusual-withdrawal alert; explanation of changed amount; prior-attempt information; transfer fields; breakdown and contacts","Same limitation; illustrative unusual condition is not the complete universe of required conditions"],["A-5","3","Two-failure explanation; permission restriction; future choices; table of due/attempt dates, amounts and fees; CFPB information","Some extracted URL characters were garbled; mandatory CFPB URL was verified independently in § 9(c)(3)(viii)"],["A-6","4","Short upcoming-withdrawal subject/body structure; date, amount, limited account reference and access link","No inspected pixels; full notice still required except applicable email full-body delivery"],["A-7","5","Short unusual-withdrawal subject/body structure and changed-amount explanation","No inspected pixels; current operative § 9 controls all applicable content"],["A-8","6","Short rights-notice subject/body; two failures, permission restriction and access link","No inspected pixels; parsed links are not proof of working electronic access"]]},{"headers":["Claim ID","Precise claim, trigger, conditions and exceptions","Status and limits","Source and pinpoint"],"index":9,"links":[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1041/12/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1041/2/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1041/12/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau\n+1"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1041/12/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1041/12/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"}],"row_links":[[],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1041/12/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1041/2/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1041/12/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau\n+1"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1041/12/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1041/12/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"}],[]],"rows":[["Claim ID","Precise claim, trigger, conditions and exceptions","Status and limits","Source and pinpoint"],["R011-P1-C093","The lender must retain evidence of compliance for 36 months after the covered loan ceases to be outstanding. The listed record categories are nonexhaustive.","R/I. The period does not simply run from origination or the first failed transfer. No actual destruction date calculated.","S001 § 12(b), comment 12(b)-1. \nConsumer Financial Protection Bureau"],["R011-P1-C094","“Outstanding” generally continues while legally obligated, including delinquency/workout, but ends at the earliest full payment, release, discharge, or 180 days after the last payment; if no payment, 180 days after consummation. The interpretation says it cannot become outstanding again after those terminating events. Sale/servicing transfer does not itself change the status.","R/I. This rule-specific status definition is not debt cancellation or an automatic reset of the § 8 prohibition.","S001 § 2(a)(17), comments 2(a)(17)-1–2. \nConsumer Financial Protection Bureau"],["R011-P1-C095","Required image-reproducible records include each originated covered-loan agreement, applicable leveraged-payment mechanism, § 8(c) authorization, and underlying one-time authorization/check for § 8(d). Required oral-authorization recordings must also be retained.","R/I. Electronic documents may be kept electronically or as printouts as specified. Notice/consent evidence falls under the general nonexhaustive compliance-evidence duty; an invented mandatory notice-image format is not asserted.","S001 §§ 12(b)(1), (4), 8(c)(3)(iii)(B), comments 12(b)(4)-1. \nConsumer Financial Protection Bureau\n+1"],["R011-P1-C096","Electronic tabular records must include payment receipt/attempt dates, amounts due, attempted and received/transferred, payment channel, and—when the prohibition applies—whether qualifying (c)/(d) authorization was obtained.","R/I. Image PDFs and word-processing files are not the required tabular format. Missing rows may prevent reconstruction; they do not establish debt invalidity.","S001 § 12(b)(5)(i)–(ii), comment 12(b)(5)-1. \nConsumer Financial Protection Bureau"],["R011-P1-C097","A covered-loan lender must develop and follow written compliance procedures appropriate to lender/affiliate size, complexity and lending activities, including detailed guidance for §§ 8–9.","R/I. Incomplete evidence can leave compliance unresolved; an absence of evidence is not a finding that no rule applies.","S001 § 12(a), comment 12(a)-1. \nConsumer Financial Protection Bureau"],["R011-P1-C098","The periods above are reported in the units actually used—business days, days, months, calendar years or tax years. No individualized calendar calculation was performed.","U for actual calendars. A comprehensive Part 1041 business-day/calendar definition was not established in the read material; Reg E’s separate definition was not silently imported. Holidays, receipt facts, event order and applicable calendars remain held.","S001 §§ 8–9, 12 and their timing comments; S004–S005 for their separate periods."]]},{"headers":["Audit item","Generic issue to test","Authority / claim reference","Observation, support and unresolved result"],"index":10,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Audit item","Generic issue to test","Authority / claim reference","Observation, support and unresolved result"],["Applicable legal version","Applicable event period; regulation version; final-rule changes; relevant published judicial posture","C001–C013",""],["Consumer definition","Whether the defined individual/representative relationship is present","C014",""],["Lender regularity","Household-purpose lending and relevant numerical test","C015",""],["Account definition","Reg E account status and applicable exclusions","C016",""],["Credit structure","Credit; open-end/closed-end; single/multiple advance structure","C017",""],["Consummation","Applicable-law contractual obligation trigger","C018",""],["Service/agency relationships","Material service, agency, and separate affiliate questions","C019, C041, C051",""],["Primary purpose","Personal/family/household purpose","C020",""],["Short-term predicate","Required repayment within the statutory-regulatory period; sweep right","C021",""],["Balloon predicate","Required payment structure and excluded default charges","C022",""],["Longer-term cost predicate","Incorporated cost measure and measurement point","C023–C024",""],["Leveraged mechanism","Pull right, timing, contractual election, immediate-payment distinction","C025",""],["Purchase-money exclusion","Sole initial-purchase purpose and security in purchased good","C026",""],["Real-property/dwelling exclusion","Security type and perfection/recording within term","C027",""],["Credit-card exclusion","Actual defined credit-card account","C028",""],["Education exclusion","Title IV or private-education definition and exceptions","C029",""],["Pawn exclusion","Sole possession/use throughout term; sole recourse","C030",""],["Overdraft exclusion","Defined service or line","C031",""],["Wage-advance exclusion","Employer/partner, accrued wages, preadvance warranties","C032",""],["No-cost-advance exclusion","No required charges and complete preadvance warranties","C033",""],["Alternative-loan exemption","Terms, permitted charges, borrowing history, recurring-income procedures","C034–C037",""],["Accommodation exemption","Affiliate counts, receipts, tax-year predicates, excluded loans","C038–C039",""],["Transfer classification","Lender/agent initiation, purpose, channel, due/purportedly due amount","C041–C043",""],["Account-holding exclusion","Contractual no-fee/no-closure conditions throughout term","C044",""],["Return reason","NSF versus other reason; special account-holding treatment","C047–C048",""],["Sequence","First failure, immediately preceding transfer, same-day/channel/loan relationships","C049–C055",""],["Knowledge trigger","Lender/agent information receipt or applicable internal initiation","C051, C088",""],["New authorization request","Rights notice provided; terms; permitted request channel; segregation","C056–C061",""],["New authorization agreement","Rights notice received/deemed received; signature; date/amount/channel","C057, C062–C063",""],["Memorialization/expiration","Retainable copy timing; recorded call; supersession or two new failures","C064–C065",""],["Immediate-payment request","Fresh one-time basis, one-business-day initiation, one-attempt limitation","C066–C067",""],["Separate electronic-payment law","Underlying Reg E authorization, stopping/revocation and variable-amount predicates","C068–C070",""],["First/unusual notice","Trigger, exception, mailing/sending window, full required content","C077–C087",""],["Consumer-rights notice","Trigger, sending period, failure table and prescribed statements","C088–C091",""],["Electronic delivery","Each method’s consent, email option, later loss of consent","C073–C074",""],["Format/accessibility","Retainability, segregation, machine readability, full/short combination","C072, C075–C076, C086–C092",""],["Records","Agreement/authorization images, recordings, electronic tabular history","C093–C096",""],["Retention trigger","When rule-specific outstanding status ended; no inferred debt discharge","C093–C094",""],["Procedures/evasion","Written controls; substantive conduct; no inferred intent","C071, C097",""],["Unresolved conclusion","Exact missing fact or authority; no acceptance or individualized decision","C098 and parent holds",""]]},{"headers":["Example ID","Stipulated qualitative facts","Part 1041-specific result versus unknown","Evidence category needed","Adverse misclassification to avoid / claim links"],"index":11,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Example ID","Stipulated qualitative facts","Part 1041-specific result versus unknown","Evidence category needed","Adverse misclassification to avoid / claim links"],["R011-P1-E001","A household-purpose loan is neither short-term nor balloon; its properly determined cost does not exceed the residual branch’s threshold.","The residual longer-term branch fails even if a pull mechanism exists. Other law remains unknown.","Term/payment structure and properly determined cost category","Treating every installment or title-labeled arrangement as covered. C020–C025"],["R011-P1-E002","Credit solely finances an initial purchase, secured by the purchased good, with only qualifying purchase-related costs.","The purchase-money exclusion can apply despite otherwise high cost or a pull mechanism. A refinance would require a different analysis.","Purpose and security terms","Treating collateral or high cost alone as defeating the exclusion. C026"],["R011-P1-E003","An arrangement is called pawn, but the consumer retains use of the collateral during the term.","The sole-possession/use condition for the pawn exclusion fails. That does not by itself prove the remaining coverage predicates.","Possession/use and recourse terms","Concluding either “all pawn excluded” or “failed pawn exclusion means automatically covered.” C020, C030"],["R011-P1-E004","The first relevant transfer fails for NSF; the consumer then pays cash; the next relevant transfer also fails for NSF.","Cash does not reset the transfer count; the next qualifying failure can be the second consecutive failure.","Transfer sequence, cash-versus-transfer classification, return reasons","Treating every payment received as a successful payment transfer. C049–C052"],["R011-P1-E005","One transfer fails for NSF; the next is returned solely for an incorrectly entered account number.","The second return is not itself a qualifying NSF failure, so these two events do not constitute the required pair. Treatment of a later longer mixed sequence is not assumed.","Actual return reasons and complete order","Equating all returns with NSF, or calling every non-NSF return successful. C047, C055"],["R011-P1-E006","An ACH collection on one covered loan fails for NSF; the next transfer, by debit-card channel on another covered loan with the same lender and from the same account, also fails for NSF.","Different loan/channel does not prevent the second consecutive failure or the resulting same-account restriction across the lender’s covered loans.","Same-account/same-lender relationship, channel and return sequence","Counting separately by installment, loan label or channel. C046, C050–C051"],["R011-P1-E007","Two portions of a collection are initiated together and both fail for NSF, with no prior relevant transfer.","Simultaneous/same-day transfers can establish first and second failures. Separate evasion questions depend on purpose and circumstances.","Initiation order/batch facts and return information","Assuming simultaneity prevents counting, or inferring evasion solely from splitting. C050, C071"],["R011-P1-E008","Two qualifying failures have occurred from one account; a later proposed transfer concerns another account.","The identified same-account bar does not automatically prohibit that other-account transfer. Underlying authorization, separate counts and evasion remain unknown.","Account relationship without exposing identifiers; separate authority and sequence","Treating the exception from this count as affirmative permission to debit any account. C046, C053, C056, C071"],["R011-P1-E009","The lender holds the account and the required no-fee/no-closure protections were contractual at loan inception and remain throughout the term.","A transfer satisfying both conditions is excluded. Merely waiving a fee on one occasion would not establish that result.","Contract duration and both protection clauses","Turning a single fee waiver or “no NSF fee” marketing statement into the full exclusion. C044, C048"],["R011-P1-E010","After the bar, the lender relies on the original contract, or obtains a new agreement before mailed-rights-notice receipt/deemed receipt and without an affirmative response to that notice.","Original authority does not satisfy § 8(c); the stipulated premature new agreement fails its receipt-timing condition.","Original/new authorization text and notice provision/receipt relationship","Treating ordinary recurring authority or notice mailing alone as sufficient new authorization. C056, C060–C063"],["R011-P1-E011","A properly timed § 8(c) authorization specifies date, amount and channel, but the lender attempts more than the authorized amount.","The transfer does not qualify under the amount condition. Equal/smaller amounts can satisfy that one condition, subject to all others.","Authorized terms and proposed transfer characteristics","Treating authorization as unlimited or assuming every smaller transfer is fully compliant. C057–C059"],["R011-P1-E012","After two failures, the consumer affirmatively contacts the lender about repayment before the rights notice is provided, supplies a qualifying one-time basis, and the transfer is initiated within one business day.","The earlier-contact branch can support one immediate attempt. The rights notice remains due; success does not reset the barred count; retry requires a fresh basis.","Initiating-contact category, one-time authority, control-release timing","Requiring § 8(c) for every immediate request, or treating one request as recurring permission. C052, C066–C067, C091"],["R011-P1-E013","A first scheduled covered-loan transfer has no exception, and its mailed notice is sent fewer than six business days before initiation.","On those stipulated facts the first-notice timing condition is not met. Actual calendar application is not determined here.","Mailing/initiation relationship and applicable business-day calendar","Counting from receipt, or importing an electronic three-business-day window into mail. C077, C079–C080, C098"],["R011-P1-E014","A later transfer is smaller than scheduled, occurs off schedule, changes channel, or retries a return for a non-NSF reason.","Each applicable unusual condition must be assessed and disclosed unless a payment-notice exception applies. A retry notice can be required even though the prior return did not count toward the two-failure bar.","Schedule, previous channel and return-purpose categories","Equating unusual notices only with larger payments or NSF retries. C047, C078–C086"],["R011-P1-E015","Electronic notices are sent by text based on a bundled consent that offers no separate email option and no affirmative choice of text.","The stipulated consent process fails the described § 9(a)(4) conditions.","Consent presentation and selections","Treating general electronic-contract consent or possession of a mobile number as sufficient. C073"],["R011-P1-E016","A timely electronic payment notice was provided; afterward the lender receives a loss-of-access notification for that method.","The commentary allows the already-disclosed payment in the stated circumstances; future required unusual notices need an available alternative method. Underlying payment authorization remains a separate issue.","Sequence of notice provision and access-loss information","Treating later notice-consent loss as either irrelevant forever or automatic cancellation of every previously disclosed payment. C074"],["R011-P1-E017","A required full electronic notice is supplied only as an inaccessible image, or the lender sends only a short message without the required full notice.","On those stipulations the machine-readability or full-plus-short requirement is not met. This is not a finding about the official PDF’s unseen pixels.","Functional text/accessibility and full-notice availability","Equating “PDF” with accessible/retainable, or treating a short notice as the complete notice. C072, C075, C086–C092"],["R011-P1-E018","Payment histories exist only as image PDFs and the authorization/return sequence cannot be reconstructed.","Image files do not satisfy the electronic tabular-record requirement; missing evidence leaves other compliance questions unresolved. Debt cancellation does not follow.","Tabular fields, reproducible authorizations and sequence evidence","Turning incomplete records into proof that the debt is void—or into proof that the lender complied. C093–C097"],["R011-P1-E019","A lender calls an existing barred loan a new loan after a rollover/refinance.","The commentary’s bona fide subsequent-loan distinction cannot be assumed from that label; refinances/rollovers of the existing covered loan do not supply that distinction.","Substance of the loan relationship and chronology","Using relabeling to erase the original same-account prohibition. C053, C071"],["R011-P1-E020","An analysis treats the March 2025 nonprioritization announcement as repeal, or the reversed 2022 vacatur as the current operative disposition.","Both classifications are unsupported by the reviewed authorities. Exact later applicability still remains subject to C011’s currentness gap.","Applicable final-rule/legislation text and published later opinions, if any","Conflating policy, proposed change, historical vacatur and current regulation. C003–C013"]]},{"headers":["Assigned subquestion / major branch","Coverage result","Claim/example links","Exact missing authority or facts","Next bounded permissible investigation"],"index":12,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Assigned subquestion / major branch","Coverage result","Claim/example links","Exact missing authority or facts","Next bounded permissible investigation"],["Consumer definition","Answered generically","C014","Actual individual/representative relationship","No public-law search can establish held personal facts"],["Lender definition and regularity","Answered generically","C015","Actual lending counts, periods and organizational relationships","Generic published interpretation only if a new definitional issue arises"],["Account definition","Partial: necessary definition read","C016","Actual deposit/prepaid/trust features","Bounded generic Reg E prepaid-definition research if needed; no account query"],["Credit/open-/closed-end structure","Answered generically","C017","Actual plan and advance structure","Generic official interpretation of a disputed structural feature"],["Consummation","Answered federal definition; application unresolved","C018","Governing law and contractual obligation event","Parent-held contract/state-law investigation only if separately assigned"],["Lender/service provider/agent distinctions","Answered generically","C019, C041, C051","Actual agency/material-service/control facts","Published generic interpretations; no entity search"],["Household primary purpose","Answered generically","C020","Actual purpose and mixed-use facts","Generic primary-purpose interpretation only"],["Short-term predicate","Answered generically","C021","Required schedule, sweep right, applicable-law breach condition","Published interpretation of ambiguous schedules; actual facts held"],["Balloon predicate","Answered generically","C022","Required payments and permissible exclusions","No actual amortization or contract calculation in this component"],["Longer-term cost-plus-mechanism predicate","Partial by scope","C023–C025, E001","Complete APR/finance-charge inputs and actual pull right","Full APR/fee work remains parent-held; generic mechanism questions may be bounded"],["Coverage arising after origination","Answered generically","C024–C025, C077","Actual cycle-end cost and mechanism-acquisition chronology","Generic primary interpretation only"],["Purchase-money exclusion","Answered generically","C026, E002","Sole initial-purchase purpose, security, refinance status","Actual classification held"],["Real-property/dwelling exclusion","Answered generically","C027","Use as dwelling and perfection/recording during term","Property and recording queries excluded"],["Credit-card exclusion","Answered generically","C028","Defined credit-card-account features","No account/product query"],["Education-credit exclusion","Partial beyond necessary cross-definition","C029","Actual Title IV/private-education classification; underlying HEA institutional/program facts","Generic HEA cross-definition research if separately needed"],["Pawn exclusion","Answered generically","C030, E003","Possession/use throughout term and recourse","Collateral/forfeiture law remains held"],["Overdraft exclusion","Answered only for Part 1041 scope","C031","Actual service/line classification","No R010 incorporation; broader overdraft law remains held"],["Wage-advance exclusion","Answered federal predicates; state element held","C032","Employer/partner facts, accrued wages under state law, contract warranties","Generic state-law component only if separately assigned"],["No-cost-advance exclusion","Answered generically","C033","Required charges and complete preadvance warranties","Actual contract facts held"],["Alternative-loan term conditions","Answered generically","C034","Actual amounts, schedule, charges, amortization","No actual loan calculation"],["Alternative borrowing-history condition","Answered generically","C035","Own-record history and outstanding-status periods","No consumer-record request/search"],["Alternative recurring-income condition","Answered generically","C036","Actual policies and compliance","Full underwriting remains held"],["PALs I safe harbor","Partial","C037","Current Board ceiling and actual compliance with every NCUA condition","Current official NCUA Board/Letter rate authority; no credit-union lookup"],["Accommodation exemption","Answered generic formula; actual result unresolved","C038–C039","Affiliate counts, receipts, tax years, forecasts","No entity/financial-record search"],["Tribal/product label and actual classification","Unresolved by express hold","C040","Sovereign authority, governing law, actual product terms","Separate parent component if authorized"],["Payment-transfer purpose and methods","Answered generically","C041–C043","Actual initiation/purpose/instrument facts","Published generic instrument authority if necessary"],["Account-holding no-fee/no-closure exclusion","Answered generically","C044, E009","Contract terms effective from inception through duration","Actual agreements held"],["Identified unfair/abusive practice","Answered narrowly","C045","Actual compliance and any independent legal theory","No individual liability/remedy investigation"],["NSF versus other return reasons","Answered generically","C047–C048, E005","Actual reason, available funds, internal transfer facts","No return-record query"],["First failure","Answered generically","C049, E004","Complete prior transfer sequence","Actual sequence held"],["Second failure; simultaneous transfers","Answered generically","C050, E007","Exact initiation/return order","Actual event facts held"],["Different channels and loans","Answered generically","C046, C050, E006","Same-account/same-lender relationships","No identifier comparison or entry"],["Agent knowledge and trigger date","Answered generically","C051, C088","Lender/processor information receipt","No actual processor-record request"],["Success/cash/immediate-payment counting","Answered generically","C052, E004, E012","Payment classification and valid exception predicates","Actual events held"],["Other account/new loan/refinance","Answered distinctions; application held","C053, E008, E019","Separate account, bona fide new-loan substance, timing","Refinancing and contract work otherwise parent-held"],["Atypical mixed return sequence","Unresolved beyond express branches","C055, E005","Further official interpretation resolving unsuccessful non-NSF intervening events","Targeted published primary interpretation only"],["Debt discharge/fees/license implications","Excluded conclusions identified","C054","Independent law and actual facts","Parent-held subjects; no implication from two failures"],["New authorization versus old contract","Answered generically","C056, E010","Actual new agreement and underlying authority","No authorization-document request"],["Specific date/amount/channel and fee-only branch","Answered generically","C057–C059, E011","Actual terms, amount, purpose and fee legality","Actual data and broader fee law held"],["Request timing and channels","Answered generically","C060–C061","Notice provision, consumer-initiated response, email consent","Actual communications held"],["Receipt timing/signature/oral recording","Answered generically","C062–C063, E010","Receipt/deemed-receipt facts and signing/recording","No actual communications/recording retrieval"],["Memorialization and expiry","Answered generically","C064–C065","Actual copy transmission and later authorization/failures","Actual evidence held"],["Immediate-payment branch","Answered generically","C066–C067, E012","Fresh one-time request, contact timing, release from control","Actual event/calendar facts held"],["Separate Reg E limits","Partial, deliberately bounded","C068–C070","Actual recurring authority, stop notice, varying amounts; full Reg E questions","Additional primary clauses only if necessary; no R010 reuse"],["Anti-evasion","Answered generic standard","C071, E007, E019","Actual purpose/substance","No intent or liability finding"],["First-payment notice","Answered generically","C077, C079–C080, C083–C084, E013","Covered-status date, schedule, notice and sending facts","Actual documents held"],["Unusual-payment notice","Answered generically","C078, C081–C086, E014","Amount/date/channel/retry conditions","Actual documents held"],["Consumer-rights notice","Answered generically","C088–C091","Failure-information receipt and complete notice content","Actual documents held"],["Electronic consent and loss","Answered generically","C073–C074, E015–E016","Method selections, email option, revocation/access-loss facts","Actual consent records held"],["Notice combination/segregation","Answered for express branches","C061, C075, C082, C091","Actual layout and content placement","Generic blank-layout inspection permissible; no universal combination rule inferred"],["Official model text","Answered as parsed text","C092; model table","No missing parsed model body","No need to repeat extraction"],["Official model pixels","Unresolved retrieval limitation","C092, E017","Inspectable images for PDF indexes 1–6","Retry public generic PDF image rendering through permitted public browsing only"],["Record retention and outstanding status","Answered generically","C093–C096","Last payment/release/discharge dates, retained formats","No actual calendar or record review"],["Incomplete records/compliance procedures","Answered generic consequences; actual compliance unresolved","C097, E018","Complete evidence and written procedures","No actual audit acceptance"],["Effective/compliance dates and underwriting revocation","Answered historical published text","C003–C005","Individual event applicability","No individualized date determination"],["Court stays/vacatur/later history","Partial","C006–C009","Complete published stay/mandate chronology and later published developments","Published opinions only; no docket or case-record query"],["Nonprioritization versus repeal","Answered distinction","C010, E020","Any later superseding policy/final rule","Official generic publication check"],["Later amendment/repeal/disapproval/currentness","Unresolved beyond checked bounds","C001, C011","October 23–27 regulatory lag, October 15–27 statutory lag, later published authority","Bounded official final-rule/session-law/published-opinion check"],["Withdrawn Guidance register","Answered for materials used","C012","No advisory/circular/bulletin relied upon","Recheck only if one becomes necessary"],["Business-day/calendar application","Unresolved actual calendar","C098","Applicable calendar and real triggering events","Generic published calendar interpretation; no individual deadline"],["Other A011 dimensions","Excluded by express parent holds","Section 8 below","All listed parent issues","Separate focused assignment required; no closure inferred"]]},{"headers":["Log item","What was actually done/read","Result and precise limitation"],"index":13,"links":[{"href":"https://www.federalregister.gov/documents/2017/11/17/2017-21808/payday-vehicle-title-and-certain-high-cost-installment-loans","text":"https://www.federalregister.gov/documents/2017/11/17/2017-21808/payday-vehicle-title-and-certain-high-cost-installment-loans"},{"href":"https://www.govinfo.gov/content/pkg/FR-2017-11-17/pdf/2017-21808.pdf","text":"https://www.govinfo.gov/content/pkg/FR-2017-11-17/pdf/2017-21808.pdf"},{"href":"https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title12-section5481&num=0&edition=prelim","text":"https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title12-section5481&num=0&edition=prelim"},{"href":"https://uscode.house.gov/us/usc/119-124/t29/s203/","text":"https://uscode.house.gov/us/usc/119-124/t29/s203/"}],"row_links":[[],[],[],[{"href":"https://www.federalregister.gov/documents/2017/11/17/2017-21808/payday-vehicle-title-and-certain-high-cost-installment-loans","text":"https://www.federalregister.gov/documents/2017/11/17/2017-21808/payday-vehicle-title-and-certain-high-cost-installment-loans"}],[{"href":"https://www.govinfo.gov/content/pkg/FR-2017-11-17/pdf/2017-21808.pdf","text":"https://www.govinfo.gov/content/pkg/FR-2017-11-17/pdf/2017-21808.pdf"}],[{"href":"https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title12-section5481&num=0&edition=prelim","text":"https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title12-section5481&num=0&edition=prelim"}],[{"href":"https://uscode.house.gov/us/usc/119-124/t29/s203/","text":"https://uscode.house.gov/us/usc/119-124/t29/s203/"}],[],[],[],[],[],[],[],[],[]],"rows":[["Log item","What was actually done/read","Result and precise limitation"],["Core operative rule","Read complete necessary §§ 1041.2, .3, .7, .8, .9, .12–.15 and relevant official interpretations through current agency text; used eCFR for § 1, currency and comment 7-1","Operative body reading, not reliance on search snippets or navigation headings"],["Historical final rules","Read dates and relevant complete amendatory instructions in the 2019 and 2020 official final rules","No claim to have read all explanatory preamble pages"],["2017 Federal Register HTML failure","Attempted https://www.federalregister.gov/documents/2017/11/17/2017-21808/payday-vehicle-title-and-certain-high-cost-installment-loans","Retrieval exceeded the tool’s document-size limit; recovered relevant body through S012 GPO HTML"],["2017 PDF failure","Attempted https://www.govinfo.gov/content/pkg/FR-2017-11-17/pdf/2017-21808.pdf","PDF exceeded the retrieval size limit; no PDF text/pixels claimed from that failed retrieval"],["Initial House § 5481 route","Attempted https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title12-section5481&num=0&edition=prelim","Failed route; recovered the dated House compilation in S002 and read the necessary body"],["FLSA House route","Attempted https://uscode.house.gov/us/usc/119-124/t29/s203/","Not accessible; § 203(d) recovered from GPO S011; fallback edition remains unverified"],["Annual CFR","Attempted S024; read selected 2025 annual-CFR text in S016","2026 annual-edition body not verified. Failure is not evidence that no edition or rule exists"],["Generic models","Read all extracted text in S015, including A-3–A-8","Parsed text is not pixel inspection; garbled extracted URL characters were not reconstructed into purported model text"],["Model screenshots","Attempted PDF indexes 1–6","Responses contained placeholders without usable image content; no typography, visual arrangement, colors or complete form pixels were inspected"],["Reg E/Reg Z/NCUA cross-references","Read the bounded clauses recorded in S004–S006","No claim of complete Reg E, Reg Z, underwriting, usury, APR, or current NCUA rate review"],["FTC numbering","Compared current § 310.2 text with the actual 2024 final amendatory instruction","Confirmed redesignation; preserved Part 1041’s printed citation and flagged the discrepancy"],["Published opinions","Read actual majority/disposition passages in S017–S018 and the complete S019 remand opinion","No reliance on headnotes alone; no full-opinion claim beyond recorded bounds; no docket or case-record query"],["Later official status search","Searched official generic publications for later rule, repeal/disapproval and published judicial developments","Did not establish a superseding authority; did not convert that search result into an exhaustive absence claim"],["Withdrawn guidance","Read the complete displayed register and relevant withdrawal publication","No withdrawn or unreviewed advisory, circular, bulletin or R010 finding used as substantive foundation"],["Remaining substantive gaps","Identified actual-calendar issues, current Board ceiling, atypical mixed-return sequence, later-status chronology and model pixels","Each is preserved as a specific unresolved item, not treated as “no rule”"]]},{"headers":["User assignment","Claims answering it","Principal sources","Worksheet/examples"],"index":14,"links":[],"row_links":[[],[],[],[],[],[]],"rows":[["User assignment","Claims answering it","Principal sources","Worksheet/examples"],["1. Necessary coverage, definitions, exclusions and limited exemptions; separate underwriting","C003–C005, C014–C040","S001–S006, S011–S014","Coverage/exclusion worksheet rows; E001–E003, E009"],["2. Complete two-failure prohibition, sequence, channels/accounts/loans, attribution and exclusions","C041–C055, C071","S001, S004, S007–S009","Transfer/sequence worksheet rows; E004–E009, E019"],["3. Further transfers, new authorization, immediate requests, timing/form/retention/revocation and necessary overlays","C056–C071, C095","S001, S004, S010","Authorization/immediate-payment worksheet rows; E010–E012"],["4. First/unusual/rights notices, electronic conditions, models, records and qualitative branches","C072–C098","S001, S004–S005, S015–S016","Notice/model tables; complete blank worksheet; E013–E018 and all 20 branches"],["5. Effective/compliance dates, enforcement discretion, stays/vacatur, later changes and withdrawn guidance","C001–C013","S001–S003, S009, S012–S014, S016–S024","E020; source register; read/failure log; currentness coverage rows"]]}],"claims":[{"claim_id":"R011-P1-C001","area_numbers":[11],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R011-P1-C001","Precise claim, trigger, conditions and exceptions":"The retrieved eCFR displayed Title 12 current through October 23, 2026, while the actual access occurred October 27. Its title-wide “last amended” date does not establish when Part 1041 itself last changed.","Status and limits":"R/U. October 23–27 currency and any publication/compilation lag remain unresolved.","Source and pinpoint":"S001, eCFR header and legal-edition statement. \necfr.gov"},"coordinator_verification_status":"not_yet_checked","coordinator_review":{"identity":"delegated_coordinator_not_independent","reviewed_at":"2026-10-29T08:39:09.642740+00:00","disposition":"reconciled_original_attribution_or_scope_hold_not_freshly_verified","selected_evidence_groups":[],"all_original_limits_retained":true,"new_material_correction_pending":false,"source_checks":"[internal evidence reference]"}},{"claim_id":"R011-P1-C002","area_numbers":[11],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R011-P1-C002","Precise claim, trigger, conditions and exceptions":"Part 1041 rests on Title X authority; §§ 5531 and 5532 distinguish unfair/abusive-practice rulemaking from disclosure and model-form authority. The regulation, its official interpretations, an enforcement announcement, and a court holding are different kinds of authority.","Status and limits":"S/R. No individual remedy or all-law safe harbor follows merely from this authority structure.","Source and pinpoint":"S001 § 1041.1; S003 §§ 5531(a)–(e), 5532(a)–(d). \nuscode.house.gov\n+2"},"coordinator_verification_status":"not_yet_checked","coordinator_review":{"identity":"delegated_coordinator_not_independent","reviewed_at":"2026-10-29T08:39:09.642740+00:00","disposition":"reconciled_original_attribution_or_scope_hold_not_freshly_verified","selected_evidence_groups":[],"all_original_limits_retained":true,"new_material_correction_pending":false,"source_checks":"[internal evidence reference]"}},{"claim_id":"R011-P1-C003","area_numbers":[11],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R011-P1-C003","Precise claim, trigger, conditions and exceptions":"The 2017 final rule became effective January 16, 2018, with an original general compliance date of August 19, 2019. Current § 1041.15(c) still prints that compliance date for its listed payment-related provisions.","Status and limits":"H/R. Printed dates alone do not resolve subsequent judicial stays. The obsolete registration cross-reference in § 1041.15(b) is not an active registration instruction here.","Source and pinpoint":"S012 dates; S001 § 1041.15(a)–(c). \ngovinfo.gov\n+1"},"coordinator_verification_status":"not_yet_checked","coordinator_review":{"identity":"delegated_coordinator_not_independent","reviewed_at":"2026-10-29T08:39:09.642740+00:00","disposition":"reconciled_with_selected_primary_checks_and_retained_subclaim_limits","selected_evidence_groups":["legal_status"],"all_original_limits_retained":true,"new_material_correction_pending":false,"source_checks":"[internal evidence reference]"}},{"claim_id":"R011-P1-C004","area_numbers":[11],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R011-P1-C004","Precise claim, trigger, conditions and exceptions":"The 2019 final rule delayed specified underwriting-related provisions to November 19, 2020 and made corrections; it did not convert the payment provisions’ printed compliance date to that underwriting date.","Status and limits":"H. Effective August 16, 2019. The later 2020 revocation superseded the delayed underwriting regime.","Source and pinpoint":"S013, 84 FR 27907 and 27929, amendatory instructions 2–8. \ngovinfo.gov\n+1"},"coordinator_verification_status":"not_yet_checked","coordinator_review":{"identity":"delegated_coordinator_not_independent","reviewed_at":"2026-10-29T08:39:09.642740+00:00","disposition":"reconciled_original_attribution_or_scope_hold_not_freshly_verified","selected_evidence_groups":[],"all_original_limits_retained":true,"new_material_correction_pending":false,"source_checks":"[internal evidence reference]"}},{"claim_id":"R011-P1-C005","area_numbers":[11],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R011-P1-C005","Precise claim, trigger, conditions and exceptions":"Effective October 20, 2020, the CFPB removed/reserved the former mandatory-underwriting provisions, associated information-system provisions, specified definitions, record provisions and models A-1/A-2. It retained the payment provisions and revised the loan-agreement retention requirement.","Status and limits":"H/R. The surviving alternative-loan recurring-income documentation condition in § 1041.3(e)(3) was not erased.","Source and pinpoint":"S014, 85 FR 44444–44445, instructions 1–10; S001 §§ 3(e)(3), 7–9, 12. \ngovinfo.gov\n+2"},"coordinator_verification_status":"not_yet_checked","coordinator_review":{"identity":"delegated_coordinator_not_independent","reviewed_at":"2026-10-29T08:39:09.642740+00:00","disposition":"reconciled_original_attribution_or_scope_hold_not_freshly_verified","selected_evidence_groups":[],"all_original_limits_retained":true,"new_material_correction_pending":false,"source_checks":"[internal evidence reference]"}},{"claim_id":"R011-P1-C006","area_numbers":[11],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R011-P1-C006","Precise claim, trigger, conditions and exceptions":"Official published sources report a November 6, 2018 stay of the compliance date. The 2022 published opinion also describes litigation-stay developments. These are distinct procedural matters.","Status and limits":"H/U. The original stay orders and complete later stay/mandate chain were not read; no case-record or docket search was made. March 30, 2025 is reported from S020, not calculated from an assumed remaining-day count.","Source and pinpoint":"S013, p. 27907 n.5; S017, printed p. 6. \ngovinfo.gov\n+1"},"coordinator_verification_status":"not_yet_checked","coordinator_review":{"identity":"delegated_coordinator_not_independent","reviewed_at":"2026-10-29T08:39:09.642740+00:00","disposition":"reconciled_original_attribution_or_scope_hold_not_freshly_verified","selected_evidence_groups":[],"all_original_limits_retained":true,"new_material_correction_pending":false,"source_checks":"[internal evidence reference]"}},{"claim_id":"R011-P1-C007","area_numbers":[11],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R011-P1-C007","Precise claim, trigger, conditions and exceptions":"The Fifth Circuit’s 2022 majority rejected the reviewed statutory/APA payment-rule challenges, including arguments concerning debit/prepaid channels and different installments, but held the funding arrangement unconstitutional and vacated the rule. Its unfairness analysis did not separately decide abusiveness.","Status and limits":"H—funding holding and vacatur later reversed. The 2022 vacatur must not be described as the current disposition.","Source and pinpoint":"S017, pp. 9 n.1, 12–16, 39; actual majority text. \nca5.uscourts.gov\n+2"},"coordinator_verification_status":"not_yet_checked","coordinator_review":{"identity":"delegated_coordinator_not_independent","reviewed_at":"2026-10-29T08:39:09.642740+00:00","disposition":"reconciled_original_attribution_or_scope_hold_not_freshly_verified","selected_evidence_groups":[],"all_original_limits_retained":true,"new_material_correction_pending":false,"source_checks":"[internal evidence reference]"}},{"claim_id":"R011-P1-C008","area_numbers":[11],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R011-P1-C008","Precise claim, trigger, conditions and exceptions":"The Supreme Court’s May 16, 2024 majority held the CFPB’s statutory funding arrangement satisfied the Appropriations Clause and reversed and remanded.","Status and limits":"Published judicial holding. This was a funding holding, not a decision validating every payment-rule application, every lender, or every possible challenge.","Source and pinpoint":"S018, 601 U.S. 420–425, 435, 441; PDF indexes 5–10, 20, 26. \nsupremecourt.gov\n+2"},"coordinator_verification_status":"not_yet_checked","coordinator_review":{"identity":"delegated_coordinator_not_independent","reviewed_at":"2026-10-29T08:39:09.642740+00:00","disposition":"reconciled_with_selected_primary_checks_and_retained_subclaim_limits","selected_evidence_groups":["legal_status"],"all_original_limits_retained":true,"new_material_correction_pending":false,"source_checks":"[internal evidence reference]"}},{"claim_id":"R011-P1-C009","area_numbers":[11],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R011-P1-C009","Precise claim, trigger, conditions and exceptions":"On June 19, 2024, the Fifth Circuit reinstated its judgment affirming rejection of the alternative arguments and rendered judgment consistent with the Supreme Court’s constitutional funding holding.","Status and limits":"Published judicial disposition. Full later history beyond the reviewed publications remains held.","Source and pinpoint":"S019, entire two-page opinion. \nca5.uscourts.gov"},"coordinator_verification_status":"not_yet_checked","coordinator_review":{"identity":"delegated_coordinator_not_independent","reviewed_at":"2026-10-29T08:39:09.642740+00:00","disposition":"reconciled_with_selected_primary_checks_and_retained_subclaim_limits","selected_evidence_groups":["legal_status"],"all_original_limits_retained":true,"new_material_correction_pending":false,"source_checks":"[internal evidence reference]"}},{"claim_id":"R011-P1-C010","area_numbers":[11],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R011-P1-C010","Precise claim, trigger, conditions and exceptions":"The March 28, 2025 CFPB announcement said it would not prioritize enforcement or supervision actions concerning penalties or fines associated with the payment-withdrawal and payment-disclosure provisions once operative March 30, 2025; it also contemplated a future proposed narrowing.","Status and limits":"P. Nonprioritization is not repeal, vacatur, a stay, blanket immunity, or an adopted amendment. The contemplated proposal was not treated as operative law.","Source and pinpoint":"S020, operative announcement paragraphs; S021 continued resource link. \nConsumer Financial Protection Bureau\n+1"},"coordinator_verification_status":"not_yet_checked","coordinator_review":{"identity":"delegated_coordinator_not_independent","reviewed_at":"2026-10-29T08:39:09.642740+00:00","disposition":"reconciled_with_selected_primary_checks_and_retained_subclaim_limits","selected_evidence_groups":["legal_status"],"all_original_limits_retained":true,"new_material_correction_pending":false,"source_checks":"[internal evidence reference]"}},{"claim_id":"R011-P1-C011","area_numbers":[11],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R011-P1-C011","Precise claim, trigger, conditions and exceptions":"Targeted official-source searches did not establish a later final repeal, congressional disapproval, amendment, or published decision displacing the reviewed payment text.","Status and limits":"U. A failure to establish a later change is not proof none exists. The annual-CFR failure, eCFR October 23 boundary, House October 15 compilation boundary, and incomplete later litigation history prevent an exhaustive October 27 applicability certificate.","Source and pinpoint":"S001, S002–S003, S017–S024; search/read log below."},"coordinator_verification_status":"not_yet_checked","coordinator_review":{"identity":"delegated_coordinator_not_independent","reviewed_at":"2026-10-29T08:39:09.642740+00:00","disposition":"reconciled_original_attribution_or_scope_hold_not_freshly_verified","selected_evidence_groups":[],"all_original_limits_retained":true,"new_material_correction_pending":false,"source_checks":"[internal evidence reference]"}},{"claim_id":"R011-P1-C012","area_numbers":[11],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R011-P1-C012","Precise claim, trigger, conditions and exceptions":"The CFPB Withdrawn Guidance register and May 2025 withdrawal publication were checked. No CFPB circular, bulletin, or advisory was relied on for the substantive rules in this report.","Status and limits":"P/H. Withdrawn guidance is distinct from the regulation, statute, or published judgment. Withdrawal does not repeal those authorities.","Source and pinpoint":"S022 full displayed register; S023 operative withdrawal text. \nConsumer Financial Protection Bureau\n+1"},"coordinator_verification_status":"not_yet_checked","coordinator_review":{"identity":"delegated_coordinator_not_independent","reviewed_at":"2026-10-29T08:39:09.642740+00:00","disposition":"reconciled_original_attribution_or_scope_hold_not_freshly_verified","selected_evidence_groups":[],"all_original_limits_retained":true,"new_material_correction_pending":false,"source_checks":"[internal evidence reference]"}},{"claim_id":"R011-P1-C013","area_numbers":[11],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R011-P1-C013","Precise claim, trigger, conditions and exceptions":"Part 1041 still prints 16 CFR 310.2(cc) for remotely created payment orders. Current FTC text places that definition at (dd); the 2024 final rule explains the redesignation, effective May 16, 2024.","Status and limits":"R/H; INF as to effect. The printed Part 1041 reference is preserved here, not silently corrected. Its broad, nonexclusive payment-transfer definition remains relevant independently; an actual instrument’s legal classification is held.","Source and pinpoint":"S001 §§ 8(a)(1)(i)(D), 9(b)(2)(ii)(B)(6), comment 3(c)-2; S008 (cc)–(dd); S009 amendatory instruction 2. \nConsumer Financial Protection Bureau\n+2"},"coordinator_verification_status":"not_yet_checked","coordinator_review":{"identity":"delegated_coordinator_not_independent","reviewed_at":"2026-10-29T08:39:09.642740+00:00","disposition":"reconciled_original_attribution_or_scope_hold_not_freshly_verified","selected_evidence_groups":[],"all_original_limits_retained":true,"new_material_correction_pending":false,"source_checks":"[internal evidence reference]"}},{"claim_id":"R011-P1-C014","area_numbers":[11],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R011-P1-C014","Precise claim, trigger, conditions and exceptions":"“Consumer” incorporates 12 USC 5481(4): an individual, including an agent, trustee, or representative acting for an individual.","Status and limits":"S/R. No actual person or representative relationship classified.","Source and pinpoint":"S001 § 2(a)(4), (b); S002 § 5481(4). \nuscode.house.gov\n+1"},"coordinator_verification_status":"not_yet_checked","coordinator_review":{"identity":"delegated_coordinator_not_independent","reviewed_at":"2026-10-29T08:39:09.642740+00:00","disposition":"reconciled_original_attribution_or_scope_hold_not_freshly_verified","selected_evidence_groups":[],"all_original_limits_retained":true,"new_material_correction_pending":false,"source_checks":"[internal evidence reference]"}},{"claim_id":"R011-P1-C015","area_numbers":[11],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R011-P1-C015","Precise claim, trigger, conditions and exceptions":"A lender is a person regularly extending credit primarily for personal, family or household purposes. Comment 2(a)(13)-1 imports the regularity test in Reg Z § 1026.2(a)(17)(v) and counts all such consumer loans, not only Part 1041 covered loans. The ordinary thresholds are more than 25 extensions, or more than 5 dwelling-secured extensions, in the preceding calendar year; if unmet, apply the current year. The separate high-cost-mortgage branch uses more than one qualifying extension, or one or more through a mortgage broker, in any 12 months.","Status and limits":"R/I. No lender-volume, mortgage, license, or organizational finding.","Source and pinpoint":"S001 § 2(a)(13), comment 2(a)(13)-1; S005 § 1026.2(a)(17)(v). \nConsumer Financial Protection Bureau\n+1"},"coordinator_verification_status":"not_yet_checked","coordinator_review":{"identity":"delegated_coordinator_not_independent","reviewed_at":"2026-10-29T08:39:09.642740+00:00","disposition":"reconciled_with_selected_primary_checks_and_retained_subclaim_limits","selected_evidence_groups":["overlays"],"all_original_limits_retained":true,"new_material_correction_pending":false,"source_checks":"[internal evidence reference]"}},{"claim_id":"R011-P1-C016","area_numbers":[11],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R011-P1-C016","Precise claim, trigger, conditions and exceptions":"“Account” incorporates Reg E § 1005.2(b), including consumer deposit/other asset accounts within that definition and qualifying prepaid accounts; a bona fide trust account is excluded by (b)(2).","Status and limits":"R/I. A card label alone does not establish a qualifying account. Detailed actual prepaid/account classification is held.","Source and pinpoint":"S001 § 2(a)(1), (b); S004 § 1005.2(b) and comments. \nConsumer Financial Protection Bureau"},"coordinator_verification_status":"not_yet_checked","coordinator_review":{"identity":"delegated_coordinator_not_independent","reviewed_at":"2026-10-29T08:39:09.642740+00:00","disposition":"reconciled_original_attribution_or_scope_hold_not_freshly_verified","selected_evidence_groups":[],"all_original_limits_retained":true,"new_material_correction_pending":false,"source_checks":"[internal evidence reference]"}},{"claim_id":"R011-P1-C017","area_numbers":[11],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R011-P1-C017","Precise claim, trigger, conditions and exceptions":"“Credit” incorporates Reg Z’s right to defer payment of debt or incur debt and defer its payment. Closed-end credit is credit that is not Part 1041 open-end credit. Part 1041 adapts Reg Z’s open-end definition but does not require a right to impose a finance charge.","Status and limits":"R/I. Repeated-transaction and replenishment features still matter; labels do not decide structure.","Source and pinpoint":"S001 §§ 2(a)(3), (11), (16), (b); S005 § 1026.2(a)(14), (20) and relevant comments. \nConsumer Financial Protection Bureau\n+1"},"coordinator_verification_status":"not_yet_checked","coordinator_review":{"identity":"delegated_coordinator_not_independent","reviewed_at":"2026-10-29T08:39:09.642740+00:00","disposition":"reconciled_original_attribution_or_scope_hold_not_freshly_verified","selected_evidence_groups":[],"all_original_limits_retained":true,"new_material_correction_pending":false,"source_checks":"[internal evidence reference]"}},{"claim_id":"R011-P1-C018","area_numbers":[11],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R011-P1-C018","Precise claim, trigger, conditions and exceptions":"Consummation occurs when the consumer becomes contractually obligated on a new loan or a modification increasing an existing loan’s amount. Applicable law determines that obligation; a preliminary financial commitment alone is insufficient.","Status and limits":"R/I. No contract formation or governing-law conclusion.","Source and pinpoint":"S001 § 2(a)(5), comment 2(a)(5)-1. \nConsumer Financial Protection Bureau"},"coordinator_verification_status":"not_yet_checked","coordinator_review":{"identity":"delegated_coordinator_not_independent","reviewed_at":"2026-10-29T08:39:09.642740+00:00","disposition":"reconciled_original_attribution_or_scope_hold_not_freshly_verified","selected_evidence_groups":[],"all_original_limits_retained":true,"new_material_correction_pending":false,"source_checks":"[internal evidence reference]"}},{"claim_id":"R011-P1-C019","area_numbers":[11],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R011-P1-C019","Precise claim, trigger, conditions and exceptions":"“Affiliate” and “service provider” incorporate § 5481(1) and (26). Material assistance in offering/providing consumer financial products can qualify; the statute contains limitations for solely general business support and advertising, among others. Credit-access/service organizations can be service providers when the material-service test is met.","Status and limits":"S/R/I. Service-provider status and agency attribution require their own facts; affiliation does not automatically make every affiliate the same lender for the two-failure count.","Source and pinpoint":"S001 §§ 2(a)(2), (18), comment 2(a)(18)-1; S002 § 5481(1), (26)(A)–(C). \nuscode.house.gov\n+1"},"coordinator_verification_status":"not_yet_checked","coordinator_review":{"identity":"delegated_coordinator_not_independent","reviewed_at":"2026-10-29T08:39:09.642740+00:00","disposition":"reconciled_original_attribution_or_scope_hold_not_freshly_verified","selected_evidence_groups":[],"all_original_limits_retained":true,"new_material_correction_pending":false,"source_checks":"[internal evidence reference]"}},{"claim_id":"R011-P1-C020","area_numbers":[11],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R011-P1-C020","Precise claim, trigger, conditions and exceptions":"Coverage requires a lender making household-purpose closed- or open-end credit that satisfies at least one § 3(b) predicate and is neither excluded under (d) nor conditionally exempt under (e) or (f).","Status and limits":"R/I. “Payday,” “title,” “pawn,” “installment,” “cash advance,” or “tribal” is not a substitute for the predicates.","Source and pinpoint":"S001 § 3(a)–(b), comments 3(b)-1–2. \nConsumer Financial Protection Bureau"},"coordinator_verification_status":"not_yet_checked","coordinator_review":{"identity":"delegated_coordinator_not_independent","reviewed_at":"2026-10-29T08:39:09.642740+00:00","disposition":"reconciled_with_selected_primary_checks_and_retained_subclaim_limits","selected_evidence_groups":["coverage"],"all_original_limits_retained":true,"new_material_correction_pending":false,"source_checks":"[internal evidence reference]"}},{"claim_id":"R011-P1-C021","area_numbers":[11],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R011-P1-C021","Precise claim, trigger, conditions and exceptions":"The short-term branch covers single-advance closed-end credit requiring substantially the entire loan within 45 days of consummation; other structures use substantially the entire advance within 45 days of that advance. “Substantially” is a facts-and-circumstances substantial-majority test. A qualifying deposit-sweep right can satisfy it even without an actual deposit. Voluntary early repayment alone does not.","Status and limits":"R/I. No invented percentage threshold. For ambiguous schedules, whether nonpayment within the period would breach the agreement under applicable law matters.","Source and pinpoint":"S001 § 3(b)(1), comments 3(b)(1)-1–5. \nConsumer Financial Protection Bureau"},"coordinator_verification_status":"not_yet_checked","coordinator_review":{"identity":"delegated_coordinator_not_independent","reviewed_at":"2026-10-29T08:39:09.642740+00:00","disposition":"reconciled_with_selected_primary_checks_and_retained_subclaim_limits","selected_evidence_groups":["coverage"],"all_original_limits_retained":true,"new_material_correction_pending":false,"source_checks":"[internal evidence reference]"}},{"claim_id":"R011-P1-C022","area_numbers":[11],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R011-P1-C022","Precise claim, trigger, conditions and exceptions":"For loans outside the short-term branch, the balloon branch includes a required substantially entire single payment more than 45 days after consummation/advance, or a required payment more than twice another payment. It also covers specified multi-advance structures whose minimums may not amortize the balance and whose final payment could exceed twice the other minimums. Scheduled principal and charges count; actual unanticipated late/default/over-limit charges and default acceleration are excluded from this comparison.","Status and limits":"R/I. This is not a calculation of any actual balloon or default balance.","Source and pinpoint":"S001 § 3(b)(2)(i)–(ii), comments 3(b)(2)-1–4. \nConsumer Financial Protection Bureau\n+1"},"coordinator_verification_status":"not_yet_checked","coordinator_review":{"identity":"delegated_coordinator_not_independent","reviewed_at":"2026-10-29T08:39:09.642740+00:00","disposition":"reconciled_with_selected_primary_checks_and_retained_subclaim_limits","selected_evidence_groups":["coverage"],"all_original_limits_retained":true,"new_material_correction_pending":false,"source_checks":"[internal evidence reference]"}},{"claim_id":"R011-P1-C023","area_numbers":[11],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R011-P1-C023","Precise claim, trigger, conditions and exceptions":"The residual longer-term branch requires both cost of credit exceeding 36% per annum and a leveraged payment mechanism. Closed-end cost is measured at consummation. Section 2(a)(6) incorporates Reg Z finance charges and the specified closed-/open-end calculation methods.","Status and limits":"R/I. The 36% predicate is not a usury cap and is not a prerequisite for the short-term or balloon branches. Complete APR/fee calculations remain held.","Source and pinpoint":"S001 §§ 2(a)(6), 3(b)(3)(i)–(ii). \nConsumer Financial Protection Bureau\n+1"},"coordinator_verification_status":"not_yet_checked","coordinator_review":{"identity":"delegated_coordinator_not_independent","reviewed_at":"2026-10-29T08:39:09.642740+00:00","disposition":"reconciled_with_selected_primary_checks_and_retained_subclaim_limits","selected_evidence_groups":["coverage"],"all_original_limits_retained":true,"new_material_correction_pending":false,"source_checks":"[internal evidence reference]"}},{"claim_id":"R011-P1-C024","area_numbers":[11],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R011-P1-C024","Precise claim, trigger, conditions and exceptions":"Open-end cost is tested at consummation and, if not then above 36%, at each billing-cycle end. A cycle with a finance charge and zero principal satisfies the cost condition. Once met, the cost condition remains met for the plan’s duration. A loan may become covered later when both cost and mechanism predicates coincide.","Status and limits":"R/I. Comment 3(b)(3)-3 illustrates compliance beginning with the next billing cycle after a cycle-end crossing; no actual cycle or date calculated.","Source and pinpoint":"S001 § 3(b)(3)(i)(B), comments 3(b)(3)-1–3. \nConsumer Financial Protection Bureau"},"coordinator_verification_status":"not_yet_checked","coordinator_review":{"identity":"delegated_coordinator_not_independent","reviewed_at":"2026-10-29T08:39:09.642740+00:00","disposition":"reconciled_with_selected_primary_checks_and_retained_subclaim_limits","selected_evidence_groups":["coverage"],"all_original_limits_retained":true,"new_material_correction_pending":false,"source_checks":"[internal evidence reference]"}},{"claim_id":"R011-P1-C025","area_numbers":[11],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R011-P1-C025","Precise claim, trigger, conditions and exceptions":"A leveraged payment mechanism is a right of the lender/service provider to pull money from the consumer’s account without further consumer action, on one occasion or repeatedly. It includes qualifying checks, EFT authority, remotely created instruments and internal setoff. A contractual right to elect future/default authorization can suffice. Consumer-controlled bank bill pay is a push; a qualifying single immediate payment request alone is excluded from this mechanism definition.","Status and limits":"R/I. The immediate-payment exclusion from the mechanism definition does not exempt an otherwise covered short-term/balloon loan.","Source and pinpoint":"S001 § 3(c), comments 3(c)-1–4 and 3(b)(3)(ii)-1–2. \nConsumer Financial Protection Bureau"},"coordinator_verification_status":"not_yet_checked","coordinator_review":{"identity":"delegated_coordinator_not_independent","reviewed_at":"2026-10-29T08:39:09.642740+00:00","disposition":"reconciled_with_selected_primary_checks_and_retained_subclaim_limits","selected_evidence_groups":["coverage"],"all_original_limits_retained":true,"new_material_correction_pending":false,"source_checks":"[internal evidence reference]"}},{"claim_id":"R011-P1-C026","area_numbers":[11],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R011-P1-C026","Precise claim, trigger, conditions and exceptions":"Purchase-money exclusion: credit solely and expressly financing the consumer’s initial purchase of a good, secured by that good, is excluded whether or not the security interest is perfected/recorded. Specified taxes and legally required licensing/registration costs can be included. A refinance of purchase credit does not qualify for this exclusion.","Status and limits":"R/I. Existing-collateral title lending is not automatically initial-purchase financing.","Source and pinpoint":"S001 § 3(d)(1), comment 3(d)(1)-1. \nConsumer Financial Protection Bureau"},"coordinator_verification_status":"not_yet_checked","coordinator_review":{"identity":"delegated_coordinator_not_independent","reviewed_at":"2026-10-29T08:39:09.642740+00:00","disposition":"reconciled_with_selected_primary_checks_and_retained_subclaim_limits","selected_evidence_groups":["coverage"],"all_original_limits_retained":true,"new_material_correction_pending":false,"source_checks":"[internal evidence reference]"}},{"claim_id":"R011-P1-C027","area_numbers":[11],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R011-P1-C027","Precise claim, trigger, conditions and exceptions":"Real-property/dwelling exclusion: credit secured by real property, or personal property used/expected to be used as a dwelling, is excluded only if the lender records or otherwise perfects the security interest within the loan term.","Status and limits":"R/I. Mere contractual security language without the specified perfection/recording condition is insufficient for this exclusion.","Source and pinpoint":"S001 § 3(d)(2), comment 3(d)(2)-1. \nConsumer Financial Protection Bureau"},"coordinator_verification_status":"not_yet_checked","coordinator_review":{"identity":"delegated_coordinator_not_independent","reviewed_at":"2026-10-29T08:39:09.642740+00:00","disposition":"reconciled_with_selected_primary_checks_and_retained_subclaim_limits","selected_evidence_groups":["coverage"],"all_original_limits_retained":true,"new_material_correction_pending":false,"source_checks":"[internal evidence reference]"}},{"claim_id":"R011-P1-C028","area_numbers":[11],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R011-P1-C028","Precise claim, trigger, conditions and exceptions":"Credit-card exclusion: a credit-card account under an open-end, not home-secured consumer credit plan as defined in Reg Z § 1026.2(a)(15)(ii) is excluded.","Status and limits":"R. Using a debit/prepaid card to repay another loan does not make that loan an excluded credit-card account.","Source and pinpoint":"S001 § 3(d)(3); S005 § 1026.2(a)(15)(ii). \nConsumer Financial Protection Bureau\n+1"},"coordinator_verification_status":"not_yet_checked","coordinator_review":{"identity":"delegated_coordinator_not_independent","reviewed_at":"2026-10-29T08:39:09.642740+00:00","disposition":"reconciled_with_selected_primary_checks_and_retained_subclaim_limits","selected_evidence_groups":["coverage"],"all_original_limits_retained":true,"new_material_correction_pending":false,"source_checks":"[internal evidence reference]"}},{"claim_id":"R011-P1-C029","area_numbers":[11],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R011-P1-C029","Precise claim, trigger, conditions and exceptions":"Education exclusion: qualifying HEA Title IV credit and “private education loans” under § 1026.46(b)(5) are excluded. The latter definition requires specified postsecondary educational purpose and excludes open-end and real-property/dwelling-secured credit; it also excludes certain institution-creditor arrangements, including terms of 90 days or less, or no-interest terms of one year or less.","Status and limits":"R. A student-purpose label alone is insufficient. Underlying HEA program and educational-institution facts remain held; the entire HEA was not reviewed.","Source and pinpoint":"S001 § 3(d)(4); S005 § 1026.46(b)(5) and comments. \nConsumer Financial Protection Bureau\n+2"},"coordinator_verification_status":"not_yet_checked","coordinator_review":{"identity":"delegated_coordinator_not_independent","reviewed_at":"2026-10-29T08:39:09.642740+00:00","disposition":"reconciled_with_selected_primary_checks_and_retained_subclaim_limits","selected_evidence_groups":["coverage","overlays"],"all_original_limits_retained":true,"new_material_correction_pending":false,"source_checks":"[internal evidence reference]"}},{"claim_id":"R011-P1-C030","area_numbers":[11],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R011-P1-C030","Precise claim, trigger, conditions and exceptions":"Pawn exclusion: the lender must have sole physical possession and use of the property throughout the loan term, and its sole recourse must be retaining that property if not redeemed. Consumer possession/use, even limited use, defeats that condition; personal deficiency liability of the consumer, cosigner or guarantor defeats sole recourse.","Status and limits":"R/I. Pawn/title labels alone do not establish exclusion. Forfeiture and collateral law remain held.","Source and pinpoint":"S001 § 3(d)(5), comment 3(d)(5)-1. \nConsumer Financial Protection Bureau"},"coordinator_verification_status":"not_yet_checked","coordinator_review":{"identity":"delegated_coordinator_not_independent","reviewed_at":"2026-10-29T08:39:09.642740+00:00","disposition":"reconciled_with_selected_primary_checks_and_retained_subclaim_limits","selected_evidence_groups":["coverage"],"all_original_limits_retained":true,"new_material_correction_pending":false,"source_checks":"[internal evidence reference]"}},{"claim_id":"R011-P1-C031","area_numbers":[11],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R011-P1-C031","Precise claim, trigger, conditions and exceptions":"Overdraft exclusion: overdraft services defined by Reg E § 1005.17(a), and overdraft lines excluded from that definition by § 1005.17(a)(1), are excluded.","Status and limits":"R/I. This exclusion was independently read. It does not incorporate any unreviewed R010 fee analysis or establish bank-fee immunity.","Source and pinpoint":"S001 § 3(d)(6), comment 3(d)(6)-1; S004 § 1005.17(a). \nConsumer Financial Protection Bureau\n+1"},"coordinator_verification_status":"not_yet_checked","coordinator_review":{"identity":"delegated_coordinator_not_independent","reviewed_at":"2026-10-29T08:39:09.642740+00:00","disposition":"reconciled_with_selected_primary_checks_and_retained_subclaim_limits","selected_evidence_groups":["coverage"],"all_original_limits_retained":true,"new_material_correction_pending":false,"source_checks":"[internal evidence reference]"}},{"claim_id":"R011-P1-C032","area_numbers":[11],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R011-P1-C032","Precise claim, trigger, conditions and exceptions":"Wage-advance exclusion: credit must be advanced by an FLSA employer or its business partner to employees, only against accrued earned cash wages. Before advancement, the contract must warrant, for the advancing entity and relevant partners: no charges other than program participation; no legal/contractual remedy for nonpayment; and no collection, debt placement/sale, or consumer-reporting activity if unpaid as specified.","Status and limits":"R/I. A one-time account authorization is not itself inconsistent with the no-remedy warranty. Accrued wages depend on state-law entitlement upon separation, which is held.","Source and pinpoint":"S001 § 3(d)(7)(i)–(ii)(A)–(C), comments; S011 § 203(d). \nConsumer Financial Protection Bureau\n+1"},"coordinator_verification_status":"not_yet_checked","coordinator_review":{"identity":"delegated_coordinator_not_independent","reviewed_at":"2026-10-29T08:39:09.642740+00:00","disposition":"reconciled_with_selected_primary_checks_and_retained_subclaim_limits","selected_evidence_groups":["coverage"],"all_original_limits_retained":true,"new_material_correction_pending":false,"source_checks":"[internal evidence reference]"}},{"claim_id":"R011-P1-C033","area_numbers":[11],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R011-P1-C033","Precise claim, trigger, conditions and exceptions":"No-cost-advance exclusion: no charge or fee may be required for eligibility or receipt, and before advancement the contract must warrant no legal/contractual nonpayment remedy and no collection, placement/sale as debt, or consumer reporting if unpaid on the scheduled date.","Status and limits":"R/I. A one-time account authorization is permitted by the comment; “no interest” alone is not the full exclusion.","Source and pinpoint":"S001 § 3(d)(8)(i)–(ii), comment 3(d)(8)-1. \nConsumer Financial Protection Bureau"},"coordinator_verification_status":"not_yet_checked","coordinator_review":{"identity":"delegated_coordinator_not_independent","reviewed_at":"2026-10-29T08:39:09.642740+00:00","disposition":"reconciled_with_selected_primary_checks_and_retained_subclaim_limits","selected_evidence_groups":["coverage"],"all_original_limits_retained":true,"new_material_correction_pending":false,"source_checks":"[internal evidence reference]"}},{"claim_id":"R011-P1-C034","area_numbers":[11],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R011-P1-C034","Precise claim, trigger, conditions and exceptions":"Alternative-loan terms: closed-end; term one through six months; principal $200 through $1,000; at least two substantially equal payments at substantially equal intervals; complete amortization; no charges beyond the rate/application fees allowed by the cited NCUA PALs I provision.","Status and limits":"R/I. Minor cents/calendar variations can be disregarded as specified. Interest-only or front-loaded interest/fee schedules do not satisfy full-amortization conditions. The comment’s illustrative variation is not a universal percentage safe harbor.","Source and pinpoint":"S001 § 3(e)(1)(i)–(v), comments 3(e)(1)(iv)-1–3 and (v)-1. \nConsumer Financial Protection Bureau"},"coordinator_verification_status":"not_yet_checked","coordinator_review":{"identity":"delegated_coordinator_not_independent","reviewed_at":"2026-10-29T08:39:09.642740+00:00","disposition":"reconciled_with_selected_primary_checks_and_retained_subclaim_limits","selected_evidence_groups":["coverage"],"all_original_limits_retained":true,"new_material_correction_pending":false,"source_checks":"[internal evidence reference]"}},{"claim_id":"R011-P1-C035","area_numbers":[11],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R011-P1-C035","Precise claim, trigger, conditions and exceptions":"Before an alternative loan, the lender must determine from its own records that the consumer would not be indebted on more than three outstanding alternative loans from that lender within the specified consecutive 180-day period, and must have no more than one alternative loan at a time. The period runs from 180 days before consummation through consummation.","Status and limits":"R/I. This is not merely a count of origination dates. An outside consumer report is not required by this condition.","Source and pinpoint":"S001 § 3(e)(2), comments 3(e)(2)-1–4. \nConsumer Financial Protection Bureau"},"coordinator_verification_status":"not_yet_checked","coordinator_review":{"identity":"delegated_coordinator_not_independent","reviewed_at":"2026-10-29T08:39:09.642740+00:00","disposition":"reconciled_with_selected_primary_checks_and_retained_subclaim_limits","selected_evidence_groups":["coverage"],"all_original_limits_retained":true,"new_material_correction_pending":false,"source_checks":"[internal evidence reference]"}},{"claim_id":"R011-P1-C036","area_numbers":[11],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R011-P1-C036","Precise claim, trigger, conditions and exceptions":"An alternative-loan lender must maintain and follow policies for documenting proof of recurring income.","Status and limits":"R/I. This limited condition survives; it is not reinstatement of the revoked comprehensive ability-to-repay provisions.","Source and pinpoint":"S001 § 3(e)(3), comment 3(e)(3)-1; S014. \nConsumer Financial Protection Bureau"},"coordinator_verification_status":"not_yet_checked","coordinator_review":{"identity":"delegated_coordinator_not_independent","reviewed_at":"2026-10-29T08:39:09.642740+00:00","disposition":"reconciled_with_selected_primary_checks_and_retained_subclaim_limits","selected_evidence_groups":["coverage"],"all_original_limits_retained":true,"new_material_correction_pending":false,"source_checks":"[internal evidence reference]"}},{"claim_id":"R011-P1-C037","area_numbers":[11],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R011-P1-C037","Precise claim, trigger, conditions and exceptions":"A federal credit-union loan complying with § 701.21(c)(7)(iii), PALs I, receives the § 3(e)(4) safe harbor. Its conditions include the relevant amount/term/amortization limits, borrowing limits, membership period, restricted rollovers, actual-cost application fee capped at $20, lending-policy/aggregate limits, and the rate formula tied to the current Board ceiling.","Status and limits":"R/I, partial rate verification. This is not a blanket credit-union or PALs II exemption. The rate formula is 1,000 basis points above the applicable general ceiling; that current ceiling was not independently established. Other-law permissibility remains necessary.","Source and pinpoint":"S001 § 3(e)(4), comment 3(e)-1; S006 § 701.21(c)(7)(iii). \nConsumer Financial Protection Bureau\n+1"},"coordinator_verification_status":"not_yet_checked","coordinator_review":{"identity":"delegated_coordinator_not_independent","reviewed_at":"2026-10-29T08:39:09.642740+00:00","disposition":"reconciled_with_selected_primary_checks_and_retained_subclaim_limits","selected_evidence_groups":["coverage"],"all_original_limits_retained":true,"new_material_correction_pending":false,"source_checks":"[internal evidence reference]"}},{"claim_id":"R011-P1-C038","area_numbers":[11],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R011-P1-C038","Precise claim, trigger, conditions and exceptions":"Accommodation exemption: at consummation, lender and affiliates together must have made no more than 2,500 covered loans in both the current and preceding calendar years, plus satisfy the 10% receipts test for the latest completed operating tax year, or the specified reasonable current-year forecast for a new lender. Specified covered longer-term loans whose transfers all meet § 8(a)(1)(ii), and their receipts, are excluded from these calculations.","Status and limits":"R/I. Forecasts must reasonably account for known substantial changes. Actual affiliate aggregation, counts and receipts are held.","Source and pinpoint":"S001 § 3(f)(1)–(3), comments 3(f)-1–2. \nConsumer Financial Protection Bureau"},"coordinator_verification_status":"not_yet_checked","coordinator_review":{"identity":"delegated_coordinator_not_independent","reviewed_at":"2026-10-29T08:39:09.642740+00:00","disposition":"reconciled_with_selected_primary_checks_and_retained_subclaim_limits","selected_evidence_groups":["coverage"],"all_original_limits_retained":true,"new_material_correction_pending":false,"source_checks":"[internal evidence reference]"}},{"claim_id":"R011-P1-C039","area_numbers":[11],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R011-P1-C039","Precise claim, trigger, conditions and exceptions":"For accommodation lending, receipts are defined using total income—or sole-proprietor gross income—plus cost of goods sold. Specified capital gains/losses, pass-through taxes and amounts collected for another are excluded; earned fees and listed business costs are not generally deducted. “Tax year” uses the stated annual-accounting-period meaning.","Status and limits":"R. No tax return, receipts calculation, tax advice, or IRS form audit performed.","Source and pinpoint":"S001 § 3(g)–(h). \nConsumer Financial Protection Bureau"},"coordinator_verification_status":"not_yet_checked","coordinator_review":{"identity":"delegated_coordinator_not_independent","reviewed_at":"2026-10-29T08:39:09.642740+00:00","disposition":"reconciled_with_selected_primary_checks_and_retained_subclaim_limits","selected_evidence_groups":["coverage"],"all_original_limits_retained":true,"new_material_correction_pending":false,"source_checks":"[internal evidence reference]"}},{"claim_id":"R011-P1-C040","area_numbers":[11],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R011-P1-C040","Precise claim, trigger, conditions and exceptions":"None of these generic definitions establishes coverage, exclusion, exemption, sovereign authority, or enforceability for any actual payday/title/pawn/installment/tribal/advance arrangement.","Status and limits":"U/INF. Actual classification and all held state, tribal, country and contract questions remain open.","Source and pinpoint":"S001 §§ 2–3; particularly comment 3(e)-1 preserving other applicable law. \nConsumer Financial Protection Bureau"},"coordinator_verification_status":"not_yet_checked","coordinator_review":{"identity":"delegated_coordinator_not_independent","reviewed_at":"2026-10-29T08:39:09.642740+00:00","disposition":"reconciled_original_attribution_or_scope_hold_not_freshly_verified","selected_evidence_groups":[],"all_original_limits_retained":true,"new_material_correction_pending":false,"source_checks":"[internal evidence reference]"}},{"claim_id":"R011-P1-C041","area_numbers":[11],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R011-P1-C041","Precise claim, trigger, conditions and exceptions":"A payment transfer is a lender-initiated debit/withdrawal from a consumer account to collect an amount due or purportedly due on a covered loan. Agent-initiated withdrawals count. Scheduled payments, partial amounts, acceleration amounts and fees can qualify; a disputed or legally unowed amount can still be a payment transfer.","Status and limits":"R/I. Calling the amount disputed does not remove the transfer from the rule; the debt’s validity itself is held.","Source and pinpoint":"S001 § 8(a)(1), comments 8(a)(1)-1–3. \nConsumer Financial Protection Bureau"},"coordinator_verification_status":"not_yet_checked","coordinator_review":{"identity":"delegated_coordinator_not_independent","reviewed_at":"2026-10-29T08:39:09.642740+00:00","disposition":"reconciled_with_selected_primary_checks_and_retained_subclaim_limits","selected_evidence_groups":["counting"],"all_original_limits_retained":true,"new_material_correction_pending":false,"source_checks":"[internal evidence reference]"}},{"claim_id":"R011-P1-C042","area_numbers":[11],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R011-P1-C042","Precise claim, trigger, conditions and exceptions":"The definition is method-neutral and nonexclusive: EFTs, debit/prepaid-card transfers, signature checks processed through check or ACH networks, remotely created checks/orders, and qualifying internal transfers, sweeps and setoff can count. A paper-check transaction need not be a Reg E EFT to be a Part 1041 payment transfer.","Status and limits":"R/I. The FTC cross-reference mismatch in C013 remains flagged.","Source and pinpoint":"S001 § 8(a)(1)(i)(A)–(E), comments; S004 § 1005.3(b); S007–S009. \nConsumer Financial Protection Bureau\n+2"},"coordinator_verification_status":"not_yet_checked","coordinator_review":{"identity":"delegated_coordinator_not_independent","reviewed_at":"2026-10-29T08:39:09.642740+00:00","disposition":"reconciled_with_selected_primary_checks_and_retained_subclaim_limits","selected_evidence_groups":["counting"],"all_original_limits_retained":true,"new_material_correction_pending":false,"source_checks":"[internal evidence reference]"}},{"claim_id":"R011-P1-C043","area_numbers":[11],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R011-P1-C043","Precise claim, trigger, conditions and exceptions":"Consumer cash payment, consumer bank online/mobile bill payment, and repayment pursuant to a valid account-garnishment court order are examples the interpretation does not treat as lender-initiated payment transfers.","Status and limits":"I. This does not decide a garnishment order’s validity or authorize litigation/collection action.","Source and pinpoint":"S001 comment 8(a)(1)-4. \nConsumer Financial Protection Bureau"},"coordinator_verification_status":"not_yet_checked","coordinator_review":{"identity":"delegated_coordinator_not_independent","reviewed_at":"2026-10-29T08:39:09.642740+00:00","disposition":"reconciled_with_selected_primary_checks_and_retained_subclaim_limits","selected_evidence_groups":["counting"],"all_original_limits_retained":true,"new_material_correction_pending":false,"source_checks":"[internal evidence reference]"}},{"claim_id":"R011-P1-C044","area_numbers":[11],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R011-P1-C044","Precise claim, trigger, conditions and exceptions":"An account-holding lender’s transfer is excluded only when both contractual protections were effective when the loan was made and remain through its duration: no insufficient-funds-related charge other than a legally permitted loan late fee; and no account closure in response to the negative balance caused by the covered-loan transfer.","Status and limits":"R/I. A discretionary fee waiver is insufficient. Closure for a different specified reason may remain possible. This is a transfer exclusion, not a blanket loan exemption; excluded transfers are outside §§ 7–9 for that transaction.","Source and pinpoint":"S001 § 8(a)(1)(ii)(A)–(B), all accompanying comments. \nConsumer Financial Protection Bureau"},"coordinator_verification_status":"not_yet_checked","coordinator_review":{"identity":"delegated_coordinator_not_independent","reviewed_at":"2026-10-29T08:39:09.642740+00:00","disposition":"reconciled_with_selected_primary_checks_and_retained_subclaim_limits","selected_evidence_groups":["counting"],"all_original_limits_retained":true,"new_material_correction_pending":false,"source_checks":"[internal evidence reference]"}},{"claim_id":"R011-P1-C045","area_numbers":[11],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R011-P1-C045","Precise claim, trigger, conditions and exceptions":"Section 7 identifies the specified further-withdrawal practice as unfair and abusive; comment 7-1 states that compliance with § 8 means the lender has not committed that identified practice for the covered loan.","Status and limits":"R/I. The statement is not an all-law safe harbor or license validation.","Source and pinpoint":"S001 § 7 and Supplement I comment 7-1; S016 p. 1054/index 25. \nConsumer Financial Protection Bureau\n+1"},"coordinator_verification_status":"not_yet_checked","coordinator_review":{"identity":"delegated_coordinator_not_independent","reviewed_at":"2026-10-29T08:39:09.642740+00:00","disposition":"reconciled_with_selected_primary_checks_and_retained_subclaim_limits","selected_evidence_groups":["counting"],"all_original_limits_retained":true,"new_material_correction_pending":false,"source_checks":"[internal evidence reference]"}},{"claim_id":"R011-P1-C046","area_numbers":[11],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R011-P1-C046","Precise claim, trigger, conditions and exceptions":"After two consecutive qualifying failures, the lender must not initiate further payment transfers from that account for covered loans the consumer has with that lender, absent an applicable exception. The failures can involve different covered loans; old contractual authorization or a postdated check does not itself remove the bar.","Status and limits":"R/I. Affiliation alone is not an instruction to pool every lender’s counts. Actual lender/agent identity relationships remain held.","Source and pinpoint":"S001 § 8(b)(1), comments 8(b)-1–4. \nConsumer Financial Protection Bureau\n+1"},"coordinator_verification_status":"not_yet_checked","coordinator_review":{"identity":"delegated_coordinator_not_independent","reviewed_at":"2026-10-29T08:39:09.642740+00:00","disposition":"reconciled_with_selected_primary_checks_and_retained_subclaim_limits","selected_evidence_groups":["counting"],"all_original_limits_retained":true,"new_material_correction_pending":false,"source_checks":"[internal evidence reference]"}},{"claim_id":"R011-P1-C047","area_numbers":[11],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R011-P1-C047","Precise claim, trigger, conditions and exceptions":"Ordinarily, a qualifying failure is a return unpaid or decline because of insufficient funds. A return for another reason, such as an incorrectly entered account number, is not a failed transfer for this prohibition.","Status and limits":"R/I. A “returned” label alone is insufficient; the reason matters. No actual return code was queried or classified.","Source and pinpoint":"S001 § 8(b)(1), comments 8(b)(1)-1 and -3. \nConsumer Financial Protection Bureau"},"coordinator_verification_status":"not_yet_checked","coordinator_review":{"identity":"delegated_coordinator_not_independent","reviewed_at":"2026-10-29T08:39:09.642740+00:00","disposition":"reconciled_with_selected_primary_checks_and_retained_subclaim_limits","selected_evidence_groups":["counting"],"all_original_limits_retained":true,"new_material_correction_pending":false,"source_checks":"[internal evidence reference]"}},{"claim_id":"R011-P1-C048","area_numbers":[11],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R011-P1-C048","Precise claim, trigger, conditions and exceptions":"For a nonexcluded transfer by the account-holding lender, an amount exceeding available funds is a failed transfer even if internally coded differently or fully paid through overdraft. Merely observing insufficient funds and deferring the debit is not an initiated failed transfer.","Status and limits":"R/I. Apply the account-holding exclusion first; no universal “paid means successful” assumption.","Source and pinpoint":"S001 § 8(b)(1), comment 8(b)(1)-4. \nConsumer Financial Protection Bureau"},"coordinator_verification_status":"not_yet_checked","coordinator_review":{"identity":"delegated_coordinator_not_independent","reviewed_at":"2026-10-29T08:39:09.642740+00:00","disposition":"reconciled_with_selected_primary_checks_and_retained_subclaim_limits","selected_evidence_groups":["counting"],"all_original_limits_retained":true,"new_material_correction_pending":false,"source_checks":"[internal evidence reference]"}},{"claim_id":"R011-P1-C049","area_numbers":[11],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R011-P1-C049","Precise claim, trigger, conditions and exceptions":"A qualifying failure is a first failure when no other relevant transfer has been initiated from the account, when the immediately preceding transfer was successful, or when it is the first failure following a valid § 8(c) authorization.","Status and limits":"R. These are the actual listed branches; no generic reset based on elapsed time is supplied.","Source and pinpoint":"S001 § 8(b)(2)(i)(A)–(C). \nConsumer Financial Protection Bureau"},"coordinator_verification_status":"not_yet_checked","coordinator_review":{"identity":"delegated_coordinator_not_independent","reviewed_at":"2026-10-29T08:39:09.642740+00:00","disposition":"reconciled_with_selected_primary_checks_and_retained_subclaim_limits","selected_evidence_groups":["counting"],"all_original_limits_retained":true,"new_material_correction_pending":false,"source_checks":"[internal evidence reference]"}},{"claim_id":"R011-P1-C050","area_numbers":[11],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R011-P1-C050","Precise claim, trigger, conditions and exceptions":"A qualifying failure is the second consecutive failure when the immediately preceding transfer was a first failed transfer. Transfers initiated simultaneously or on the same day can supply the sequence. Different channels do not prevent counting.","Status and limits":"R/I. Splitting an attempted collection does not necessarily create separate fresh counting periods.","Source and pinpoint":"S001 § 8(b)(2)(ii)–(iii), comments 8(b)(2)(ii)-1–2 and 8(b)(2)(iii)-1. \nConsumer Financial Protection Bureau\n+1"},"coordinator_verification_status":"not_yet_checked","coordinator_review":{"identity":"delegated_coordinator_not_independent","reviewed_at":"2026-10-29T08:39:09.642740+00:00","disposition":"reconciled_with_selected_primary_checks_and_retained_subclaim_limits","selected_evidence_groups":["counting"],"all_original_limits_retained":true,"new_material_correction_pending":false,"source_checks":"[internal evidence reference]"}},{"claim_id":"R011-P1-C051","area_numbers":[11],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R011-P1-C051","Precise claim, trigger, conditions and exceptions":"The prohibition attaches when the lender or its agent receives the second qualifying return. For the account-holding lender’s applicable transfer, it attaches on initiation of the second qualifying failed transfer.","Status and limits":"I. Internal lender knowledge cannot automatically be postponed beyond processor/agent receipt.","Source and pinpoint":"S001 comment 8(b)(1)-2. \nConsumer Financial Protection Bureau"},"coordinator_verification_status":"not_yet_checked","coordinator_review":{"identity":"delegated_coordinator_not_independent","reviewed_at":"2026-10-29T08:39:09.642740+00:00","disposition":"reconciled_with_selected_primary_checks_and_retained_subclaim_limits","selected_evidence_groups":["counting"],"all_original_limits_retained":true,"new_material_correction_pending":false,"source_checks":"[internal evidence reference]"}},{"claim_id":"R011-P1-C052","area_numbers":[11],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R011-P1-C052","Precise claim, trigger, conditions and exceptions":"Before the bar, a successful payment transfer supplies the stated reset branch; a cash payment does not because it is not a payment transfer. After the bar, a § 8(d) immediate payment leaves the consecutive-failure count at two whether it succeeds or fails.","Status and limits":"I. Successful voluntary payment under (d) does not revive the old recurring authority.","Source and pinpoint":"S001 comments 8(b)(2)(i)-1 and 8(b)(2)(ii)-3. \nConsumer Financial Protection Bureau\n+1"},"coordinator_verification_status":"not_yet_checked","coordinator_review":{"identity":"delegated_coordinator_not_independent","reviewed_at":"2026-10-29T08:39:09.642740+00:00","disposition":"reconciled_with_selected_primary_checks_and_retained_subclaim_limits","selected_evidence_groups":["counting"],"all_original_limits_retained":true,"new_material_correction_pending":false,"source_checks":"[internal evidence reference]"}},{"claim_id":"R011-P1-C053","area_numbers":[11],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R011-P1-C053","Precise claim, trigger, conditions and exceptions":"The specific bar concerns the affected account. The commentary also distinguishes a bona fide subsequent new loan originated after the bar from a refinance/rollover of a covered loan already subject to it.","Status and limits":"I. Another account is not automatically prohibited by this particular count, but independent authority and anti-evasion rules still matter. Relabeling/refinancing the existing loan is not the bona fide-new-loan exception.","Source and pinpoint":"S001 comments 8(b)-1–4. \nConsumer Financial Protection Bureau"},"coordinator_verification_status":"not_yet_checked","coordinator_review":{"identity":"delegated_coordinator_not_independent","reviewed_at":"2026-10-29T08:39:09.642740+00:00","disposition":"reconciled_with_selected_primary_checks_and_retained_subclaim_limits","selected_evidence_groups":["counting"],"all_original_limits_retained":true,"new_material_correction_pending":false,"source_checks":"[internal evidence reference]"}},{"claim_id":"R011-P1-C054","area_numbers":[11],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R011-P1-C054","Precise claim, trigger, conditions and exceptions":"The two-failure restriction regulates collection transfers; it does not itself discharge the debt, validate a license/contract, cancel every possible bank fee, or forbid consumer cash/bank-push payments and properly qualifying (c)/(d) transfers.","Status and limits":"INF, supported by the rule’s defined scope and express exceptions. Other laws may separately govern those subjects; they are held.","Source and pinpoint":"S001 §§ 8(a)–(d), 2(a)(17); C041–C053, C056–C067. \nConsumer Financial Protection Bureau\n+2"},"coordinator_verification_status":"not_yet_checked","coordinator_review":{"identity":"delegated_coordinator_not_independent","reviewed_at":"2026-10-29T08:39:09.642740+00:00","disposition":"reconciled_with_selected_primary_checks_and_retained_subclaim_limits","selected_evidence_groups":["counting"],"all_original_limits_retained":true,"new_material_correction_pending":false,"source_checks":"[internal evidence reference]"}},{"claim_id":"R011-P1-C055","area_numbers":[11],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R011-P1-C055","Precise claim, trigger, conditions and exceptions":"A non-NSF return is not itself one of the two qualifying failures. However, the text’s separate “immediately preceding successful transfer” language should not be replaced with an assumption that every non-NSF return was successful.","Status and limits":"U for atypical longer mixed sequences. Exact treatment beyond the expressly read branches remains unresolved where an intervening unsuccessful non-NSF return complicates later counting.","Source and pinpoint":"S001 § 8(b)(2)(i)–(ii), comments 8(b)(1)-3 and 8(b)(2)(i)-1. \nConsumer Financial Protection Bureau"},"coordinator_verification_status":"not_yet_checked","coordinator_review":{"identity":"delegated_coordinator_not_independent","reviewed_at":"2026-10-29T08:39:09.642740+00:00","disposition":"reconciled_with_selected_primary_checks_and_retained_subclaim_limits","selected_evidence_groups":["counting"],"all_original_limits_retained":true,"new_material_correction_pending":false,"source_checks":"[internal evidence reference]"}},{"claim_id":"R011-P1-C056","area_numbers":[11],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R011-P1-C056","Precise claim, trigger, conditions and exceptions":"Section 8(c) authorization is additional to, not a replacement for, any underlying payment authorization or instrument required by other applicable law.","Status and limits":"I. Generic original contract language is not automatically the new rule-specific authorization.","Source and pinpoint":"S001 § 8(c)(1), comment 8(c)(1)-1. \nConsumer Financial Protection Bureau"},"coordinator_verification_status":"not_yet_checked","coordinator_review":{"identity":"delegated_coordinator_not_independent","reviewed_at":"2026-10-29T08:39:09.642740+00:00","disposition":"reconciled_with_selected_primary_checks_and_retained_subclaim_limits","selected_evidence_groups":["authorization"],"all_original_limits_retained":true,"new_material_correction_pending":false,"source_checks":"[internal evidence reference]"}},{"claim_id":"R011-P1-C057","area_numbers":[11],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R011-P1-C057","Precise claim, trigger, conditions and exceptions":"Ordinarily, each additional transfer must be authorized by specific month/day/year, amount and payment channel. An amount equal to or below the authorized amount satisfies the amount condition; a larger amount does not.","Status and limits":"R/I. The date/channel and all other conditions still apply; reduced amount alone is insufficient.","Source and pinpoint":"S001 § 8(c)(2)(i), comments 8(c)(2)(i)-1–4. \nConsumer Financial Protection Bureau"},"coordinator_verification_status":"not_yet_checked","coordinator_review":{"identity":"delegated_coordinator_not_independent","reviewed_at":"2026-10-29T08:39:09.642740+00:00","disposition":"reconciled_with_selected_primary_checks_and_retained_subclaim_limits","selected_evidence_groups":["authorization"],"all_original_limits_retained":true,"new_material_correction_pending":false,"source_checks":"[internal evidence reference]"}},{"claim_id":"R011-P1-C058","area_numbers":[11],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R011-P1-C058","Precise claim, trigger, conditions and exceptions":"A § 8(c)-authorized transfer returned for NSF may be reinitiated on or after its authorized date only if that return has not again triggered the prohibition.","Status and limits":"R. This is a limited date exception, not unlimited retries.","Source and pinpoint":"S001 § 8(c)(2)(ii). \nConsumer Financial Protection Bureau"},"coordinator_verification_status":"not_yet_checked","coordinator_review":{"identity":"delegated_coordinator_not_independent","reviewed_at":"2026-10-29T08:39:09.642740+00:00","disposition":"reconciled_with_selected_primary_checks_and_retained_subclaim_limits","selected_evidence_groups":["authorization"],"all_original_limits_retained":true,"new_material_correction_pending":false,"source_checks":"[internal evidence reference]"}},{"claim_id":"R011-P1-C059","area_numbers":[11],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R011-P1-C059","Precise claim, trigger, conditions and exceptions":"A transfer solely collecting a late or returned-item fee can omit a specific date/amount only if advance authorization clearly states that purpose, the highest possible fee amount, and the channel. Varying-fee factors must be assumed at their maximum for that disclosure.","Status and limits":"R/I. This exception does not establish that the fee itself is lawful.","Source and pinpoint":"S001 § 8(c)(2)(iii), comments 8(c)(2)(iii)-1–3. \nConsumer Financial Protection Bureau"},"coordinator_verification_status":"not_yet_checked","coordinator_review":{"identity":"delegated_coordinator_not_independent","reviewed_at":"2026-10-29T08:39:09.642740+00:00","disposition":"reconciled_with_selected_primary_checks_and_retained_subclaim_limits","selected_evidence_groups":["authorization"],"all_original_limits_retained":true,"new_material_correction_pending":false,"source_checks":"[internal evidence reference]"}},{"claim_id":"R011-P1-C060","area_numbers":[11],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R011-P1-C060","Precise claim, trigger, conditions and exceptions":"The lender may request the new authorization no earlier than the date it provides the consumer-rights notice. The request must contain the specific terms and applicable fee statement. Alternative offers and follow-up requests are not categorically forbidden.","Status and limits":"R/I. Request timing differs from the later receipt-based condition for obtaining agreement.","Source and pinpoint":"S001 § 8(c)(3)(ii), comments 8(c)(3)(ii)-1–2. \nConsumer Financial Protection Bureau"},"coordinator_verification_status":"not_yet_checked","coordinator_review":{"identity":"delegated_coordinator_not_independent","reviewed_at":"2026-10-29T08:39:09.642740+00:00","disposition":"reconciled_with_selected_primary_checks_and_retained_subclaim_limits","selected_evidence_groups":["authorization"],"all_original_limits_retained":true,"new_material_correction_pending":false,"source_checks":"[internal evidence reference]"}},{"claim_id":"R011-P1-C061","area_numbers":[11],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R011-P1-C061","Precise claim, trigger, conditions and exceptions":"Request terms may be given in writing by mail/in person, or retainable email with qualifying § 9 consent or agreement during a consumer-initiated response to the rights notice. Oral telephone delivery of the required terms requires the consumer to initiate that responsive call and agree during it. Rights notice and request may share a communication if properly segregated.","Status and limits":"R/I. An outbound lender call may discuss options but does not satisfy the special oral-delivery branch. Electronic provision of request terms is distinguished from electronic signing.","Source and pinpoint":"S001 § 8(c)(3)(ii)(A)–(B), all accompanying comments. \nConsumer Financial Protection Bureau\n+1"},"coordinator_verification_status":"not_yet_checked","coordinator_review":{"identity":"delegated_coordinator_not_independent","reviewed_at":"2026-10-29T08:39:09.642740+00:00","disposition":"reconciled_with_selected_primary_checks_and_retained_subclaim_limits","selected_evidence_groups":["authorization"],"all_original_limits_retained":true,"new_material_correction_pending":false,"source_checks":"[internal evidence reference]"}},{"claim_id":"R011-P1-C062","area_numbers":[11],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R011-P1-C062","Precise claim, trigger, conditions and exceptions":"The authorization must be signed or otherwise agreed to in writing/electronically in retainable form and obtained no earlier than the consumer’s receipt of the rights notice. In-person/electronic receipt is when provided; mailed receipt is the earlier of the third business day after mailing or an affirmative response to that mailed notice.","Status and limits":"R/I. Mailing the request and notice together does not by itself permit obtaining agreement before deemed/actual responsive receipt.","Source and pinpoint":"S001 § 8(c)(3)(iii)(A), comments -1–2. \nConsumer Financial Protection Bureau"},"coordinator_verification_status":"not_yet_checked","coordinator_review":{"identity":"delegated_coordinator_not_independent","reviewed_at":"2026-10-29T08:39:09.642740+00:00","disposition":"reconciled_with_selected_primary_checks_and_retained_subclaim_limits","selected_evidence_groups":["authorization"],"all_original_limits_retained":true,"new_material_correction_pending":false,"source_checks":"[internal evidence reference]"}},{"claim_id":"R011-P1-C063","area_numbers":[11],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R011-P1-C063","Precise claim, trigger, conditions and exceptions":"Electronic agreement must meet the referenced E-SIGN electronic-record/signature requirements. If authorization is granted during an oral telephone communication, the lender must record the call and retain it.","Status and limits":"R/I. A telephone conversation is not automatically a legally sufficient underlying recurring-EFT authorization under Reg E.","Source and pinpoint":"S001 § 8(c)(3)(iii)(A)–(B); S010 §§ 7001(a)–(b), 7006(4), (5), (9). \nConsumer Financial Protection Bureau\n+2"},"coordinator_verification_status":"not_yet_checked","coordinator_review":{"identity":"delegated_coordinator_not_independent","reviewed_at":"2026-10-29T08:39:09.642740+00:00","disposition":"reconciled_with_selected_primary_checks_and_retained_subclaim_limits","selected_evidence_groups":["authorization"],"all_original_limits_retained":true,"new_material_correction_pending":false,"source_checks":"[internal evidence reference]"}},{"claim_id":"R011-P1-C064","area_numbers":[11],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R011-P1-C064","Precise claim, trigger, conditions and exceptions":"If the agreement is telephonic or otherwise not immediately retainable, the lender must provide retainable memorialization by the first authorized transfer’s initiation date. Mailing/transmission supplies the provision date; a copy of the audio recording alone is insufficient. Email must meet the specified request-email conditions.","Status and limits":"R/I. Actual delivery method, content and timing remain unknown.","Source and pinpoint":"S001 § 8(c)(3)(iii)(C), comments -1–3. \nConsumer Financial Protection Bureau"},"coordinator_verification_status":"not_yet_checked","coordinator_review":{"identity":"delegated_coordinator_not_independent","reviewed_at":"2026-10-29T08:39:09.642740+00:00","disposition":"reconciled_with_selected_primary_checks_and_retained_subclaim_limits","selected_evidence_groups":["authorization"],"all_original_limits_retained":true,"new_material_correction_pending":false,"source_checks":"[internal evidence reference]"}},{"claim_id":"R011-P1-C065","area_numbers":[11],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R011-P1-C065","Precise claim, trigger, conditions and exceptions":"A § 8(c) authorization becomes void for that exception when a new § 8(c) authorization is obtained or when two consecutive transfers under it fail.","Status and limits":"R. No separate comprehensive Part 1041 payment-authorization revocation procedure is invented here. Underlying Reg E rights and § 9 electronic-notice consent revocation are distinct.","Source and pinpoint":"S001 § 8(c)(4)(i)–(ii); S004 § 1005.10(c); S001 § 9(a)(4)(ii). \nConsumer Financial Protection Bureau"},"coordinator_verification_status":"not_yet_checked","coordinator_review":{"identity":"delegated_coordinator_not_independent","reviewed_at":"2026-10-29T08:39:09.642740+00:00","disposition":"reconciled_with_selected_primary_checks_and_retained_subclaim_limits","selected_evidence_groups":["authorization"],"all_original_limits_retained":true,"new_material_correction_pending":false,"source_checks":"[internal evidence reference]"}},{"claim_id":"R011-P1-C066","area_numbers":[11],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R011-P1-C066","Precise claim, trigger, conditions and exceptions":"A “single immediate payment transfer” is a one-time EFT initiated within one business day after authorization, or the consumer’s signature check processed through check/ACH within one business day after provision. Initiation occurs when the lender/agent sends the transfer beyond its control; an internal handoff alone is insufficient. A mailed check is provided when received.","Status and limits":"R/I. No actual calendar computation made.","Source and pinpoint":"S001 § 8(a)(2)(i)–(ii), comments 8(a)(2)(i)-1 and (ii)-1–2. \nConsumer Financial Protection Bureau\n+1"},"coordinator_verification_status":"not_yet_checked","coordinator_review":{"identity":"delegated_coordinator_not_independent","reviewed_at":"2026-10-29T08:39:09.642740+00:00","disposition":"reconciled_with_selected_primary_checks_and_retained_subclaim_limits","selected_evidence_groups":["authorization"],"all_original_limits_retained":true,"new_material_correction_pending":false,"source_checks":"[internal evidence reference]"}},{"claim_id":"R011-P1-C067","area_numbers":[11],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R011-P1-C067","Precise claim, trigger, conditions and exceptions":"After the bar, § 8(d) permits that immediate transfer if its underlying one-time authorization/check is obtained no earlier than the rights-notice provision date or the consumer’s affirmative contact about repayment, whichever is earlier. Each request supports one attempt only; another attempt requires a fresh qualifying (c) or (d) basis.","Status and limits":"R/I. Separate qualifying requests can occur repeatedly, but success does not reset the barred count. The rights-notice duty remains.","Source and pinpoint":"S001 § 8(d)(1)–(2), comments 8(d)-1–3 and 8(b)(2)(ii)-3. \nConsumer Financial Protection Bureau"},"coordinator_verification_status":"not_yet_checked","coordinator_review":{"identity":"delegated_coordinator_not_independent","reviewed_at":"2026-10-29T08:39:09.642740+00:00","disposition":"reconciled_with_selected_primary_checks_and_retained_subclaim_limits","selected_evidence_groups":["authorization"],"all_original_limits_retained":true,"new_material_correction_pending":false,"source_checks":"[internal evidence reference]"}},{"claim_id":"R011-P1-C068","area_numbers":[11],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R011-P1-C068","Precise claim, trigger, conditions and exceptions":"For recurring preauthorized EFTs within Reg E, § 1005.10(b) requires written/similarly authenticated consumer authorization and a copy. Check conversion and returned-item-fee EFTs have their own § 1005.3(b)(2)–(3) authorization/notice predicates.","Status and limits":"R/I, bounded overlay. Part 1041 compliance does not establish those separate predicates. No full Reg E fee or electronic-transfer audit is supplied.","Source and pinpoint":"S004 §§ 1005.2(k), 1005.3(b)(2)–(3), 1005.10(b). \nConsumer Financial Protection Bureau\n+1"},"coordinator_verification_status":"not_yet_checked","coordinator_review":{"identity":"delegated_coordinator_not_independent","reviewed_at":"2026-10-29T08:39:09.642740+00:00","disposition":"reconciled_original_attribution_or_scope_hold_not_freshly_verified","selected_evidence_groups":[],"all_original_limits_retained":true,"new_material_correction_pending":false,"source_checks":"[internal evidence reference]"}},{"claim_id":"R011-P1-C069","area_numbers":[11],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R011-P1-C069","Precise claim, trigger, conditions and exceptions":"Reg E permits stopping a scheduled preauthorized EFT through oral/written notice to the account institution at least three business days before it. The institution may require written confirmation within 14 days, subject to the contemporaneous instruction/address conditions. The official interpretation separately addresses notice of revoked authorization and blocking future debits.","Status and limits":"R/I. These are separate rights and predicates, not a conclusion about any actual bank’s duties, deadline or liability.","Source and pinpoint":"S004 § 1005.10(c)(1)–(2), comments 10(c)-1–3. \nConsumer Financial Protection Bureau"},"coordinator_verification_status":"not_yet_checked","coordinator_review":{"identity":"delegated_coordinator_not_independent","reviewed_at":"2026-10-29T08:39:09.642740+00:00","disposition":"reconciled_with_selected_primary_checks_and_retained_subclaim_limits","selected_evidence_groups":["overlays"],"all_original_limits_retained":true,"new_material_correction_pending":false,"source_checks":"[internal evidence reference]"}},{"claim_id":"R011-P1-C070","area_numbers":[11],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R011-P1-C070","Precise claim, trigger, conditions and exceptions":"Reg E’s varying-amount preauthorized-EFT notice generally uses 10 days before transfer, subject to its informed range/difference option and stated exceptions. Section 1005.10(e)(1) also restricts conditioning credit on repayment by recurring preauthorized EFT, with specified exceptions.","Status and limits":"R/I. Part 1041’s notice periods do not automatically satisfy these separate rules. This is not a comprehensive Reg E/Reg Z review.","Source and pinpoint":"S004 § 1005.10(d), (e)(1) and comments. \nConsumer Financial Protection Bureau\n+1"},"coordinator_verification_status":"not_yet_checked","coordinator_review":{"identity":"delegated_coordinator_not_independent","reviewed_at":"2026-10-29T08:39:09.642740+00:00","disposition":"reconciled_with_selected_primary_checks_and_retained_subclaim_limits","selected_evidence_groups":["overlays"],"all_original_limits_retained":true,"new_material_correction_pending":false,"source_checks":"[internal evidence reference]"}},{"claim_id":"R011-P1-C071","area_numbers":[11],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R011-P1-C071","Precise claim, trigger, conditions and exceptions":"Sections 8(e) and 13 prohibit intentional evasion. Substance and circumstances control over labels; knowing or reckless conduct can qualify, and fraud is not a prerequisite. Conduct solely for legitimate business purposes is distinguished.","Status and limits":"R/I. No actual intent finding. Test transfers or splitting arrangements require facts; the official illustration is not a per se conclusion about every small transfer.","Source and pinpoint":"S001 § 8(e), comments 8(e)-1–2; § 13 and comment. \nConsumer Financial Protection Bureau"},"coordinator_verification_status":"not_yet_checked","coordinator_review":{"identity":"delegated_coordinator_not_independent","reviewed_at":"2026-10-29T08:39:09.642740+00:00","disposition":"reconciled_with_selected_primary_checks_and_retained_subclaim_limits","selected_evidence_groups":["authorization"],"all_original_limits_retained":true,"new_material_correction_pending":false,"source_checks":"[internal evidence reference]"}},{"claim_id":"R011-P1-C072","area_numbers":[11],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R011-P1-C072","Precise claim, trigger, conditions and exceptions":"Notices must be clear/conspicuous, understandable and noticeable, and viewable on paper or screen. Oral or recorded notices do not satisfy § 9. They must be retainable, except the short notices delivered by text/app; short email notices remain retainable.","Status and limits":"R/I. The exception does not excuse retention capability for the full electronic notice.","Source and pinpoint":"S001 § 9(a)(1)–(3), comments. \nConsumer Financial Protection Bureau"},"coordinator_verification_status":"not_yet_checked","coordinator_review":{"identity":"delegated_coordinator_not_independent","reviewed_at":"2026-10-29T08:39:09.642740+00:00","disposition":"reconciled_with_selected_primary_checks_and_retained_subclaim_limits","selected_evidence_groups":["notices"],"all_original_limits_retained":true,"new_material_correction_pending":false,"source_checks":"[internal evidence reference]"}},{"claim_id":"R011-P1-C073","area_numbers":[11],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R011-P1-C073","Precise claim, trigger, conditions and exceptions":"Electronic delivery requires affirmative written/electronic consent to each particular method. The consumer must separately be offered email; email alone may be the offered electronic method.","Status and limits":"R/I. Generic electronic contracting or consent to one channel does not automatically establish consent to another. Section 9 uses its own consent framework without E-SIGN delivery formalities.","Source and pinpoint":"S001 § 9(a)(4)(i)(A)–(B), comments 9(a)(2)-1 and 9(a)(4)(i)-1. \nConsumer Financial Protection Bureau"},"coordinator_verification_status":"not_yet_checked","coordinator_review":{"identity":"delegated_coordinator_not_independent","reviewed_at":"2026-10-29T08:39:09.642740+00:00","disposition":"reconciled_with_selected_primary_checks_and_retained_subclaim_limits","selected_evidence_groups":["notices"],"all_original_limits_retained":true,"new_material_correction_pending":false,"source_checks":"[internal evidence reference]"}},{"claim_id":"R011-P1-C074","area_numbers":[11],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R011-P1-C074","Precise claim, trigger, conditions and exceptions":"A method can no longer be used after consent is revoked by any reasonable means or the lender receives information that the consumer cannot receive/access notices through it. Another separately consented method may remain available.","Status and limits":"R/I. After a timely notice already provided, the specified commentary permits the currently disclosed payment to proceed; future unusual notices require alternate delivery. Notice-consent loss is distinct from payment-authorization revocation.","Source and pinpoint":"S001 § 9(a)(4)(ii), comments; §§ 9(b)(2)(i)(B)(2), 9(b)(3)(i)(B)(2). \nConsumer Financial Protection Bureau\n+2"},"coordinator_verification_status":"not_yet_checked","coordinator_review":{"identity":"delegated_coordinator_not_independent","reviewed_at":"2026-10-29T08:39:09.642740+00:00","disposition":"reconciled_with_selected_primary_checks_and_retained_subclaim_limits","selected_evidence_groups":["notices"],"all_original_limits_retained":true,"new_material_correction_pending":false,"source_checks":"[internal evidence reference]"}},{"claim_id":"R011-P1-C075","area_numbers":[11],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R011-P1-C075","Precise claim, trigger, conditions and exceptions":"Required notices must be segregated from other materials, allowing only specified identification/branding/navigation additions. Other content cannot surround the required content; it can be in a separate paper/page. Electronic full payment and rights notices must be machine readable and accessible through both browsers and screen readers.","Status and limits":"R/I. A PDF extension alone does not establish accessibility.","Source and pinpoint":"S001 § 9(a)(5)–(6), comment 9(a)(5)-1. \nConsumer Financial Protection Bureau"},"coordinator_verification_status":"not_yet_checked","coordinator_review":{"identity":"delegated_coordinator_not_independent","reviewed_at":"2026-10-29T08:39:09.642740+00:00","disposition":"reconciled_with_selected_primary_checks_and_retained_subclaim_limits","selected_evidence_groups":["notices"],"all_original_limits_retained":true,"new_material_correction_pending":false,"source_checks":"[internal evidence reference]"}},{"claim_id":"R011-P1-C076","area_numbers":[11],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R011-P1-C076","Precise claim, trigger, conditions and exceptions":"Use of the official models is optional, but required content, order and format must be substantially similar to the applicable models. The official comment provides a disclosure safe harbor for model use. Another language may be used if English is available on request.","Status and limits":"R/I. Model use does not excuse timing, consent, truthful population, or other-law defects.","Source and pinpoint":"S001 § 9(a)(7)–(8), comment 9(a)(7)-1; Appendix A. \nConsumer Financial Protection Bureau"},"coordinator_verification_status":"not_yet_checked","coordinator_review":{"identity":"delegated_coordinator_not_independent","reviewed_at":"2026-10-29T08:39:09.642740+00:00","disposition":"reconciled_with_selected_primary_checks_and_retained_subclaim_limits","selected_evidence_groups":["notices"],"all_original_limits_retained":true,"new_material_correction_pending":false,"source_checks":"[internal evidence reference]"}},{"claim_id":"R011-P1-C077","area_numbers":[11],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R011-P1-C077","Precise claim, trigger, conditions and exceptions":"The first-payment notice concerns the first scheduled transfer for a particular covered loan, excluding a qualifying immediate transfer. A loan’s first transfer after becoming covered can be the first withdrawal. Changing authorization later does not automatically create a new first withdrawal. An intervening cash payment can leave the original timely first notice sufficient for the next scheduled withdrawal, subject to unusual-withdrawal duties.","Status and limits":"R/I. “First payment ever received” is not the test.","Source and pinpoint":"S001 § 9(b)(1)(i), comments 9(b)(1)(i)-1–3. \nConsumer Financial Protection Bureau\n+1"},"coordinator_verification_status":"not_yet_checked","coordinator_review":{"identity":"delegated_coordinator_not_independent","reviewed_at":"2026-10-29T08:39:09.642740+00:00","disposition":"reconciled_with_selected_primary_checks_and_retained_subclaim_limits","selected_evidence_groups":["notices"],"all_original_limits_retained":true,"new_material_correction_pending":false,"source_checks":"[internal evidence reference]"}},{"claim_id":"R011-P1-C078","area_numbers":[11],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R011-P1-C078","Precise claim, trigger, conditions and exceptions":"An unusual withdrawal involves one or more of: an amount larger or smaller than scheduled; a different/unscheduled date; a channel different from the directly preceding transfer; or reinitiation of a returned transfer. For open-end credit, the amount comparison is to the minimum due disclosed on the periodic statement.","Status and limits":"R/I. Retry notices are not limited to NSF returns; fee-only/unscheduled collections can trigger amount/date disclosures.","Source and pinpoint":"S001 §§ 9(b)(1)(ii), 9(b)(3)(ii)(C)(1)–(4), comments -1–4. \nConsumer Financial Protection Bureau"},"coordinator_verification_status":"not_yet_checked","coordinator_review":{"identity":"delegated_coordinator_not_independent","reviewed_at":"2026-10-29T08:39:09.642740+00:00","disposition":"reconciled_with_selected_primary_checks_and_retained_subclaim_limits","selected_evidence_groups":["notices"],"all_original_limits_retained":true,"new_material_correction_pending":false,"source_checks":"[internal evidence reference]"}},{"claim_id":"R011-P1-C079","area_numbers":[11],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R011-P1-C079","Precise claim, trigger, conditions and exceptions":"The § 9(b) payment notice is not required for the initial transfer after valid § 8(c) authorization, even if unusual, or for a qualifying § 8(a)(2) immediate transfer. For an authorized series, the first exception covers only the initial transfer.","Status and limits":"R/I. These exceptions concern payment notices, not automatic cancellation of the consumer-rights notice.","Source and pinpoint":"S001 § 9(b)(1)(iii)(A)–(B), comments -1–2. \nConsumer Financial Protection Bureau"},"coordinator_verification_status":"not_yet_checked","coordinator_review":{"identity":"delegated_coordinator_not_independent","reviewed_at":"2026-10-29T08:39:09.642740+00:00","disposition":"reconciled_with_selected_primary_checks_and_retained_subclaim_limits","selected_evidence_groups":["notices"],"all_original_limits_retained":true,"new_material_correction_pending":false,"source_checks":"[internal evidence reference]"}},{"claim_id":"R011-P1-C080","area_numbers":[11],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R011-P1-C080","Precise claim, trigger, conditions and exceptions":"A first-payment notice may be sent no earlier than payment authorization. Mail requires at least six business days before initiation; electronic delivery/in person requires at least three business days. Mailing/sending, rather than consumer receipt, starts the disclosed notice interval.","Status and limits":"R/I. No actual holiday or business-day calendar was applied.","Source and pinpoint":"S001 § 9(b)(2)(i)(A)–(C), timing comments. \nConsumer Financial Protection Bureau"},"coordinator_verification_status":"not_yet_checked","coordinator_review":{"identity":"delegated_coordinator_not_independent","reviewed_at":"2026-10-29T08:39:09.642740+00:00","disposition":"reconciled_with_selected_primary_checks_and_retained_subclaim_limits","selected_evidence_groups":["notices"],"all_original_limits_retained":true,"new_material_correction_pending":false,"source_checks":"[internal evidence reference]"}},{"claim_id":"R011-P1-C081","area_numbers":[11],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R011-P1-C081","Precise claim, trigger, conditions and exceptions":"An unusual-payment notice by mail must be sent 10 through 6 business days before initiation; electronic/in-person notice uses 7 through 3 business days before initiation.","Status and limits":"R. These include an earliest as well as latest permitted point, unlike the first notice’s authorization-based earliest point. Open-end exception addressed separately.","Source and pinpoint":"S001 § 9(b)(3)(i)(A)–(C). \nConsumer Financial Protection Bureau"},"coordinator_verification_status":"not_yet_checked","coordinator_review":{"identity":"delegated_coordinator_not_independent","reviewed_at":"2026-10-29T08:39:09.642740+00:00","disposition":"reconciled_with_selected_primary_checks_and_retained_subclaim_limits","selected_evidence_groups":["notices"],"all_original_limits_retained":true,"new_material_correction_pending":false,"source_checks":"[internal evidence reference]"}},{"claim_id":"R011-P1-C082","area_numbers":[11],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R011-P1-C082","Precise claim, trigger, conditions and exceptions":"An open-end unusual notice may accompany the Reg Z § 1026.7(b) periodic statement using applicable statement timing. For relevant non-card open-end statements, § 1026.5(b)(2)(ii)(B) supplies the conditional 21-day grace-period and 14-day late-treatment timing requirements.","Status and limits":"R, bounded overlay. Section 9 segregation still applies; this is not permission to bury the notice in unrelated statement text. Full periodic-statement content and any actual statement calendar remain held.","Source and pinpoint":"S001 § 9(b)(3)(i)(D); S005 §§ 1026.5(b)(2)(ii)(B), 1026.7(b). \nConsumer Financial Protection Bureau\n+1"},"coordinator_verification_status":"not_yet_checked","coordinator_review":{"identity":"delegated_coordinator_not_independent","reviewed_at":"2026-10-29T08:39:09.642740+00:00","disposition":"reconciled_with_selected_primary_checks_and_retained_subclaim_limits","selected_evidence_groups":["overlays"],"all_original_limits_retained":true,"new_material_correction_pending":false,"source_checks":"[internal evidence reference]"}},{"claim_id":"R011-P1-C083","area_numbers":[11],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R011-P1-C083","Precise claim, trigger, conditions and exceptions":"The full first notice requires the prescribed “Upcoming Withdrawal Notice” identification and lender name; initiation date; total transfer amount; enough account information without the full account number; loan identification; specific channel; and a check number when applicable.","Status and limits":"R/I. Initiation means release beyond lender/agent control to third-party processing. Actual identifying entries were not obtained or invented.","Source and pinpoint":"S001 § 9(b)(2)(ii)(A)–(B)(6), comments. \nConsumer Financial Protection Bureau"},"coordinator_verification_status":"not_yet_checked","coordinator_review":{"identity":"delegated_coordinator_not_independent","reviewed_at":"2026-10-29T08:39:09.642740+00:00","disposition":"reconciled_with_selected_primary_checks_and_retained_subclaim_limits","selected_evidence_groups":["notices"],"all_original_limits_retained":true,"new_material_correction_pending":false,"source_checks":"[internal evidence reference]"}},{"claim_id":"R011-P1-C084","area_numbers":[11],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R011-P1-C084","Precise claim, trigger, conditions and exceptions":"Its payment-breakdown table must show principal even when zero, accrued interest, applicable fees/other charges, total, and the prescribed applicable interest-only/negative-amortization statement. It also needs lender name, a different transfer-facing name if used, and two different forms of contact information.","Status and limits":"R/I. Fees may be aggregated or separately stated as allowed. No actual amount or fee legality determined.","Source and pinpoint":"S001 § 9(b)(2)(ii)(C)(1)–(7), (D), comments. \nConsumer Financial Protection Bureau\n+2"},"coordinator_verification_status":"not_yet_checked","coordinator_review":{"identity":"delegated_coordinator_not_independent","reviewed_at":"2026-10-29T08:39:09.642740+00:00","disposition":"reconciled_with_selected_primary_checks_and_retained_subclaim_limits","selected_evidence_groups":["notices"],"all_original_limits_retained":true,"new_material_correction_pending":false,"source_checks":"[internal evidence reference]"}},{"claim_id":"R011-P1-C085","area_numbers":[11],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R011-P1-C085","Precise claim, trigger, conditions and exceptions":"The unusual notice uses its prescribed alert heading, the basic transfer/breakdown/contact content, and all applicable unusual explanations. A retry explanation includes the prior unsuccessful attempt’s date, amount and reason for return; a channel-change explanation identifies the former channel.","Status and limits":"R/I. This is not satisfied merely by saying “payment due.”","Source and pinpoint":"S001 § 9(b)(3)(ii)(A)–(C). \nConsumer Financial Protection Bureau"},"coordinator_verification_status":"not_yet_checked","coordinator_review":{"identity":"delegated_coordinator_not_independent","reviewed_at":"2026-10-29T08:39:09.642740+00:00","disposition":"reconciled_with_selected_primary_checks_and_retained_subclaim_limits","selected_evidence_groups":["notices"],"all_original_limits_retained":true,"new_material_correction_pending":false,"source_checks":"[internal evidence reference]"}},{"claim_id":"R011-P1-C086","area_numbers":[11],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R011-P1-C086","Precise claim, trigger, conditions and exceptions":"Electronic short payment notices contain the identification, date, amount and limited account information, plus a unique URL when the full notice is linked rather than attached as PDF. Unusual short notices add applicable amount/date/channel changes. The short-notice list does not separately enumerate the full notice’s retry-history field.","Status and limits":"R. The full notice still must contain all applicable retry details. A short notice alone is insufficient.","Source and pinpoint":"S001 § 9(b)(4)(i)–(ii)(A)–(B). \nConsumer Financial Protection Bureau"},"coordinator_verification_status":"not_yet_checked","coordinator_review":{"identity":"delegated_coordinator_not_independent","reviewed_at":"2026-10-29T08:39:09.642740+00:00","disposition":"reconciled_with_selected_primary_checks_and_retained_subclaim_limits","selected_evidence_groups":["notices"],"all_original_limits_retained":true,"new_material_correction_pending":false,"source_checks":"[internal evidence reference]"}},{"claim_id":"R011-P1-C087","area_numbers":[11],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R011-P1-C087","Precise claim, trigger, conditions and exceptions":"With valid email consent, the lender may put the full notice in the email body, or send the full notice by linked webpage/PDF attachment with the required short notice. The interpretation specifies the identifying statement in email subject and body. Other electronic methods use the full-plus-short structure.","Status and limits":"R/I. A bare link without required short content is insufficient.","Source and pinpoint":"S001 § 9(b)(4)(iii), comments 9(b)(4)-1, 9(b)(4)(ii)(A)-1. \nConsumer Financial Protection Bureau\n+1"},"coordinator_verification_status":"not_yet_checked","coordinator_review":{"identity":"delegated_coordinator_not_independent","reviewed_at":"2026-10-29T08:39:09.642740+00:00","disposition":"reconciled_with_selected_primary_checks_and_retained_subclaim_limits","selected_evidence_groups":["notices"],"all_original_limits_retained":true,"new_material_correction_pending":false,"source_checks":"[internal evidence reference]"}},{"claim_id":"R011-P1-C088","area_numbers":[11],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R011-P1-C088","Precise claim, trigger, conditions and exceptions":"After the two failures described in § 8(b), a consumer-rights notice must be sent no later than three business days after the lender or agent receives information of the second failure.","Status and limits":"R/I. The trigger is information receipt by either; actual processing or management review dates are unknown.","Source and pinpoint":"S001 § 9(c)(1)–(2), comment 9(c)(2)-1. \nConsumer Financial Protection Bureau"},"coordinator_verification_status":"not_yet_checked","coordinator_review":{"identity":"delegated_coordinator_not_independent","reviewed_at":"2026-10-29T08:39:09.642740+00:00","disposition":"reconciled_with_selected_primary_checks_and_retained_subclaim_limits","selected_evidence_groups":["notices"],"all_original_limits_retained":true,"new_material_correction_pending":false,"source_checks":"[internal evidence reference]"}},{"claim_id":"R011-P1-C089","area_numbers":[11],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R011-P1-C089","Precise claim, trigger, conditions and exceptions":"The full rights notice must identify the lender’s inability to continue withdrawals; describe the two NSF failures or applicable overdraft result; identify the account without its full number and associated covered loans; state the federal permission restriction and possible contact about choices; and tabulate scheduled due dates, attempt dates, amounts and lender-charged fees. The final information must be the prescribed CFPB statement and www.cfpb.gov/payday.","Status and limits":"R/I. When the lender holds the account, the fee field includes relevant loan and deposit-account fees. The full account number must not be supplied.","Source and pinpoint":"S001 § 9(c)(3)(i)–(viii), comments 9(c)(3)-1–2. \nConsumer Financial Protection Bureau"},"coordinator_verification_status":"not_yet_checked","coordinator_review":{"identity":"delegated_coordinator_not_independent","reviewed_at":"2026-10-29T08:39:09.642740+00:00","disposition":"reconciled_with_selected_primary_checks_and_retained_subclaim_limits","selected_evidence_groups":["notices"],"all_original_limits_retained":true,"new_material_correction_pending":false,"source_checks":"[internal evidence reference]"}},{"claim_id":"R011-P1-C090","area_numbers":[11],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R011-P1-C090","Precise claim, trigger, conditions and exceptions":"The short electronic rights notice includes the lender restriction, last-two-failure statement, limited account information, federal permission restriction and unique URL when linked. Email can use the full-body alternative; otherwise full-plus-short delivery applies.","Status and limits":"R/I. Consent, retention, segregation and accessibility conditions remain applicable.","Source and pinpoint":"S001 § 9(c)(4)(i)–(iii), comment 9(c)(4)-1. \nConsumer Financial Protection Bureau"},"coordinator_verification_status":"not_yet_checked","coordinator_review":{"identity":"delegated_coordinator_not_independent","reviewed_at":"2026-10-29T08:39:09.642740+00:00","disposition":"reconciled_with_selected_primary_checks_and_retained_subclaim_limits","selected_evidence_groups":["notices"],"all_original_limits_retained":true,"new_material_correction_pending":false,"source_checks":"[internal evidence reference]"}},{"claim_id":"R011-P1-C091","area_numbers":[11],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R011-P1-C091","Precise claim, trigger, conditions and exceptions":"A later immediate payment or new authorization does not create an express waiver of the already-triggered rights notice. Rights notice and authorization request may share an envelope/email only with the specified segregation; open-end notice/statement combination has its own limited rule.","Status and limits":"R/I/INF. No general license to combine all notices with all contract or marketing content is inferred.","Source and pinpoint":"S001 §§ 8(c)(3)(ii), 8(d), 9(a)(5), 9(b)(1)(iii), 9(b)(3)(i)(D), 9(c)(1). \nConsumer Financial Protection Bureau\n+2"},"coordinator_verification_status":"not_yet_checked","coordinator_review":{"identity":"delegated_coordinator_not_independent","reviewed_at":"2026-10-29T08:39:09.642740+00:00","disposition":"reconciled_with_selected_primary_checks_and_retained_subclaim_limits","selected_evidence_groups":["notices"],"all_original_limits_retained":true,"new_material_correction_pending":false,"source_checks":"[internal evidence reference]"}},{"claim_id":"R011-P1-C092","area_numbers":[11],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R011-P1-C092","Precise claim, trigger, conditions and exceptions":"The official May 2019 model PDF’s entire parsed text was read. It supplies generic illustrative models A-3–A-8, with sample populated fields, rather than a wholly empty fillable audit form.","Status and limits":"Text read / visual U. No sample identities or amounts are reproduced here. No model pixels were inspectable; extraction alone does not verify layout or visual conformity.","Source and pinpoint":"S015, indexes 0–6; model inspection table below. \nfiles.consumerfinance.gov"},"coordinator_verification_status":"not_yet_checked","coordinator_review":{"identity":"delegated_coordinator_not_independent","reviewed_at":"2026-10-29T08:39:09.642740+00:00","disposition":"reconciled_original_attribution_or_scope_hold_not_freshly_verified","selected_evidence_groups":[],"all_original_limits_retained":true,"new_material_correction_pending":false,"source_checks":"[internal evidence reference]"}},{"claim_id":"R011-P1-C093","area_numbers":[11],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R011-P1-C093","Precise claim, trigger, conditions and exceptions":"The lender must retain evidence of compliance for 36 months after the covered loan ceases to be outstanding. The listed record categories are nonexhaustive.","Status and limits":"R/I. The period does not simply run from origination or the first failed transfer. No actual destruction date calculated.","Source and pinpoint":"S001 § 12(b), comment 12(b)-1. \nConsumer Financial Protection Bureau"},"coordinator_verification_status":"not_yet_checked","coordinator_review":{"identity":"delegated_coordinator_not_independent","reviewed_at":"2026-10-29T08:39:09.642740+00:00","disposition":"reconciled_with_selected_primary_checks_and_retained_subclaim_limits","selected_evidence_groups":["records"],"all_original_limits_retained":true,"new_material_correction_pending":false,"source_checks":"[internal evidence reference]"}},{"claim_id":"R011-P1-C094","area_numbers":[11],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R011-P1-C094","Precise claim, trigger, conditions and exceptions":"“Outstanding” generally continues while legally obligated, including delinquency/workout, but ends at the earliest full payment, release, discharge, or 180 days after the last payment; if no payment, 180 days after consummation. The interpretation says it cannot become outstanding again after those terminating events. Sale/servicing transfer does not itself change the status.","Status and limits":"R/I. This rule-specific status definition is not debt cancellation or an automatic reset of the § 8 prohibition.","Source and pinpoint":"S001 § 2(a)(17), comments 2(a)(17)-1–2. \nConsumer Financial Protection Bureau"},"coordinator_verification_status":"not_yet_checked","coordinator_review":{"identity":"delegated_coordinator_not_independent","reviewed_at":"2026-10-29T08:39:09.642740+00:00","disposition":"reconciled_with_selected_primary_checks_and_retained_subclaim_limits","selected_evidence_groups":["records"],"all_original_limits_retained":true,"new_material_correction_pending":false,"source_checks":"[internal evidence reference]"}},{"claim_id":"R011-P1-C095","area_numbers":[11],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R011-P1-C095","Precise claim, trigger, conditions and exceptions":"Required image-reproducible records include each originated covered-loan agreement, applicable leveraged-payment mechanism, § 8(c) authorization, and underlying one-time authorization/check for § 8(d). Required oral-authorization recordings must also be retained.","Status and limits":"R/I. Electronic documents may be kept electronically or as printouts as specified. Notice/consent evidence falls under the general nonexhaustive compliance-evidence duty; an invented mandatory notice-image format is not asserted.","Source and pinpoint":"S001 §§ 12(b)(1), (4), 8(c)(3)(iii)(B), comments 12(b)(4)-1. \nConsumer Financial Protection Bureau\n+1"},"coordinator_verification_status":"not_yet_checked","coordinator_review":{"identity":"delegated_coordinator_not_independent","reviewed_at":"2026-10-29T08:39:09.642740+00:00","disposition":"reconciled_with_selected_primary_checks_and_retained_subclaim_limits","selected_evidence_groups":["records"],"all_original_limits_retained":true,"new_material_correction_pending":false,"source_checks":"[internal evidence reference]"}},{"claim_id":"R011-P1-C096","area_numbers":[11],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R011-P1-C096","Precise claim, trigger, conditions and exceptions":"Electronic tabular records must include payment receipt/attempt dates, amounts due, attempted and received/transferred, payment channel, and—when the prohibition applies—whether qualifying (c)/(d) authorization was obtained.","Status and limits":"R/I. Image PDFs and word-processing files are not the required tabular format. Missing rows may prevent reconstruction; they do not establish debt invalidity.","Source and pinpoint":"S001 § 12(b)(5)(i)–(ii), comment 12(b)(5)-1. \nConsumer Financial Protection Bureau"},"coordinator_verification_status":"not_yet_checked","coordinator_review":{"identity":"delegated_coordinator_not_independent","reviewed_at":"2026-10-29T08:39:09.642740+00:00","disposition":"reconciled_with_selected_primary_checks_and_retained_subclaim_limits","selected_evidence_groups":["records"],"all_original_limits_retained":true,"new_material_correction_pending":false,"source_checks":"[internal evidence reference]"}},{"claim_id":"R011-P1-C097","area_numbers":[11],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R011-P1-C097","Precise claim, trigger, conditions and exceptions":"A covered-loan lender must develop and follow written compliance procedures appropriate to lender/affiliate size, complexity and lending activities, including detailed guidance for §§ 8–9.","Status and limits":"R/I. Incomplete evidence can leave compliance unresolved; an absence of evidence is not a finding that no rule applies.","Source and pinpoint":"S001 § 12(a), comment 12(a)-1. \nConsumer Financial Protection Bureau"},"coordinator_verification_status":"not_yet_checked","coordinator_review":{"identity":"delegated_coordinator_not_independent","reviewed_at":"2026-10-29T08:39:09.642740+00:00","disposition":"reconciled_with_selected_primary_checks_and_retained_subclaim_limits","selected_evidence_groups":["records"],"all_original_limits_retained":true,"new_material_correction_pending":false,"source_checks":"[internal evidence reference]"}},{"claim_id":"R011-P1-C098","area_numbers":[11],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R011-P1-C098","Precise claim, trigger, conditions and exceptions":"The periods above are reported in the units actually used—business days, days, months, calendar years or tax years. No individualized calendar calculation was performed.","Status and limits":"U for actual calendars. A comprehensive Part 1041 business-day/calendar definition was not established in the read material; Reg E’s separate definition was not silently imported. Holidays, receipt facts, event order and applicable calendars remain held.","Source and pinpoint":"S001 §§ 8–9, 12 and their timing comments; S004–S005 for their separate periods."},"coordinator_verification_status":"not_yet_checked","coordinator_review":{"identity":"delegated_coordinator_not_independent","reviewed_at":"2026-10-29T08:39:09.642740+00:00","disposition":"reconciled_original_attribution_or_scope_hold_not_freshly_verified","selected_evidence_groups":[],"all_original_limits_retained":true,"new_material_correction_pending":false,"source_checks":"[internal evidence reference]"}}],"sources":[{"source_id":"R011-P1-S001","urls":["https://www.ecfr.gov/current/title-12/chapter-X/part-1041","https://www.consumerfinance.gov/rules-policy/regulations/1041/2/","https://www.consumerfinance.gov/rules-policy/regulations/1041/3/","https://www.consumerfinance.gov/rules-policy/regulations/1041/7/","https://www.consumerfinance.gov/rules-policy/regulations/1041/8/","https://www.consumerfinance.gov/rules-policy/regulations/1041/9/","https://www.consumerfinance.gov/rules-policy/regulations/1041/12/","https://www.consumerfinance.gov/rules-policy/regulations/1041/13/","https://www.consumerfinance.gov/rules-policy/regulations/1041/14/","https://www.consumerfinance.gov/rules-policy/regulations/1041/15/","https://www.consumerfinance.gov/rules-policy/regulations/1041/a/"],"researcher_record":{"Source ID":"R011-P1-S001","Issuer/title":"CFPB, current Part 1041 text and official interpretations; eCFR parallel views","Complete verbatim source subsection":"1.1 R011-P1-S001 — Current Part 1041 text and official interpretations\n\nThese are views of the same regulatory body, not independent corroborating authorities. The complete operative bodies of the listed CFPB sections and their relevant embedded official interpretations were read. The eCFR was additionally used for its currency statement, § 1041.1, and Supplement I comment 7-1, which was not exposed in the CFPB section-navigation list.\n\nIssuer/jurisdiction: CFPB; U.S. federal regulation and official interpretations.\nActual check date: October 27, 2026 PDT.\nVersion predicate: CFPB pages labeled their version current; eCFR displayed Title 12 current through October 23, 2026. The eCFR expressly identifies itself as authoritative but unofficial, rather than an official legal edition of the CFR. The title-wide amendment date is not a Part 1041 amendment date.\nReading status: Fresh body reads in this assignment; no prior-report reuse. HTML has no PDF page index.\nCurrentness limit: This is not a complete annual-CFR or Federal Register/session-law lag audit. \necfr.gov\n\nS001 view\tComplete literal HTTPS URL\tExact reading bounds and use\neCFR Part 1041\thttps://www.ecfr.gov/current/title-12/chapter-X/part-1041\tCurrency and legal-edition statements; authority/source notes; § 1041.1; selected operative cross-checks; Supplement I comment 7-1. The entire consolidated eCFR page was not independently reread end to end.\nDefinitions\thttps://www.consumerfinance.gov/rules-policy/regulations/1041/2/\tComplete § 1041.2(a)–(b), including reserved paragraphs and embedded interpretations.\nCoverage\thttps://www.consumerfinance.gov/rules-policy/regulations/1041/3/\tComplete § 1041.3(a)–(h), all eight exclusions, both conditional exemptions, and embedded interpretations.\nIdentified practice\thttps://www.consumerfinance.gov/rules-policy/regulations/1041/7/\tComplete § 1041.7; comment 7-1 obtained from eCFR and the annual-CFR cross-check.\nPayment attempts\thttps://www.consumerfinance.gov/rules-policy/regulations/1041/8/\tComplete § 1041.8(a)–(e) and embedded interpretations, including definitions, counting, authorization, immediate-payment exception, and evasion.\nNotices\thttps://www.consumerfinance.gov/rules-policy/regulations/1041/9/\tComplete § 1041.9(a)–(c) and embedded interpretations, including full and short notices, electronic consent, timing, exceptions, and segregation.\nCompliance/records\thttps://www.consumerfinance.gov/rules-policy/regulations/1041/12/\tComplete § 1041.12(a)–(b)(5), reserved paragraphs, and interpretations.\nEvasion\thttps://www.consumerfinance.gov/rules-policy/regulations/1041/13/\tComplete § 1041.13 and interpretation.\nSeverability\thttps://www.consumerfinance.gov/rules-policy/regulations/1041/14/\tComplete severability clause; not treated as proof of current judicial status.\nDates\thttps://www.consumerfinance.gov/rules-policy/regulations/1041/15/\tComplete § 1041.15(a)–(c), including the still-printed historical registration and compliance dates.\nAppendix A\thttps://www.consumerfinance.gov/rules-policy/regulations/1041/a/\tComplete model-form listing; A-1 and A-2 reserved; A-3 through A-8 cross-references. Actual publisher model text separately read in S015.\n","Same-document views":{"headers":["S001 view","Complete literal HTTPS URL","Exact reading bounds and use"],"index":0,"links":[{"href":"https://www.ecfr.gov/current/title-12/chapter-X/part-1041?utm_source=chatgpt.com","text":"https://www.ecfr.gov/current/title-12/chapter-X/part-1041"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1041/2/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1041/2/"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1041/3/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1041/3/"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1041/7/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1041/7/"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1041/8/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1041/8/"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1041/9/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1041/9/"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1041/12/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1041/12/"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1041/13/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1041/13/"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1041/14/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1041/14/"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1041/15/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1041/15/"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1041/a/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1041/a/"}],"row_links":[[],[{"href":"https://www.ecfr.gov/current/title-12/chapter-X/part-1041?utm_source=chatgpt.com","text":"https://www.ecfr.gov/current/title-12/chapter-X/part-1041"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1041/2/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1041/2/"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1041/3/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1041/3/"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1041/7/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1041/7/"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1041/8/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1041/8/"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1041/9/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1041/9/"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1041/12/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1041/12/"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1041/13/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1041/13/"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1041/14/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1041/14/"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1041/15/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1041/15/"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1041/a/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1041/a/"}]],"rows":[["S001 view","Complete literal HTTPS URL","Exact reading bounds and use"],["eCFR Part 1041","https://www.ecfr.gov/current/title-12/chapter-X/part-1041","Currency and legal-edition statements; authority/source notes; § 1041.1; selected operative cross-checks; Supplement I comment 7-1. The entire consolidated eCFR page was not independently reread end to end."],["Definitions","https://www.consumerfinance.gov/rules-policy/regulations/1041/2/","Complete § 1041.2(a)–(b), including reserved paragraphs and embedded interpretations."],["Coverage","https://www.consumerfinance.gov/rules-policy/regulations/1041/3/","Complete § 1041.3(a)–(h), all eight exclusions, both conditional exemptions, and embedded interpretations."],["Identified practice","https://www.consumerfinance.gov/rules-policy/regulations/1041/7/","Complete § 1041.7; comment 7-1 obtained from eCFR and the annual-CFR cross-check."],["Payment attempts","https://www.consumerfinance.gov/rules-policy/regulations/1041/8/","Complete § 1041.8(a)–(e) and embedded interpretations, including definitions, counting, authorization, immediate-payment exception, and evasion."],["Notices","https://www.consumerfinance.gov/rules-policy/regulations/1041/9/","Complete § 1041.9(a)–(c) and embedded interpretations, including full and short notices, electronic consent, timing, exceptions, and segregation."],["Compliance/records","https://www.consumerfinance.gov/rules-policy/regulations/1041/12/","Complete § 1041.12(a)–(b)(5), reserved paragraphs, and interpretations."],["Evasion","https://www.consumerfinance.gov/rules-policy/regulations/1041/13/","Complete § 1041.13 and interpretation."],["Severability","https://www.consumerfinance.gov/rules-policy/regulations/1041/14/","Complete severability clause; not treated as proof of current judicial status."],["Dates","https://www.consumerfinance.gov/rules-policy/regulations/1041/15/","Complete § 1041.15(a)–(c), including the still-printed historical registration and compliance dates."],["Appendix A","https://www.consumerfinance.gov/rules-policy/regulations/1041/a/","Complete model-form listing; A-1 and A-2 reserved; A-3 through A-8 cross-references. Actual publisher model text separately read in S015."]]}},"raw_table_indexes":[0],"coordinator_verification_status":"selected_primary_passages_checked_with_holds","reconciliation_note":"Source group is rendered in subsection 1.1 and table 0; mechanical parser recognized only S002-S024 in table 1. Eleven views remain ONE source group.","coordinator_review":{"coordinator_status":"selected_primary_passages_checked_with_holds","coordinator_scope":"Selected fresh CFPB operative/embedded interpretation bodies for §§2,3,7,8,9,12,13,15, with exact packet bounds. Eight of eleven original same-body views were revisited, not eleven independent authorities. eCFR Part1041, §14, AppendixA and annual comment7-1 are not freshly reopened. No blanket whole-part/OI/version/application acceptance.","fresh_selected_evidence":[{"packet":"[internal evidence reference]","sha256":"e49f08c1909064286b99d18469b3c804a327bec901c928670439dce842cc9491","chunk":3,"URL":"https://www.consumerfinance.gov/rules-policy/regulations/1041/2/","packet_character_bounds_half_open":[21557,28897],"returned_native_ranges":[[0,110]],"access_failure":false,"search_miss":false,"actual_selected_lines_read":[[42,110]],"metadata_navigation_or_unselected_only":false,"complete_native_block_retained":true,"parsed_text_not_pixels":true},{"packet":"[internal evidence 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Other2definitions/card/openend/cost/3/7 bodies remain original-attributed, not allRegZ verified.","fresh_selected_evidence":[{"packet":"[internal evidence reference]","sha256":"336c619c2143dbd8cb3dbd6001d7e85caeb5008d47064ebe3fd12e27a4bb9887","chunk":0,"URL":"https://www.consumerfinance.gov/rules-policy/regulations/1026/2/","packet_character_bounds_half_open":[0,9186],"returned_native_ranges":[[232,237],[304,306],[313,327],[352,385]],"access_failure":false,"search_miss":false,"actual_selected_lines_read":[[361,362]],"metadata_navigation_or_unselected_only":false,"complete_native_block_retained":true,"parsed_text_not_pixels":true},{"packet":"[internal evidence reference]","sha256":"336c619c2143dbd8cb3dbd6001d7e85caeb5008d47064ebe3fd12e27a4bb9887","chunk":1,"URL":"https://www.consumerfinance.gov/rules-policy/regulations/1026/5/","packet_character_bounds_half_open":[9268,14466],"returned_native_ranges":[[283,319]],"access_failure":false,"search_miss":false,"actual_selected_lines_read":[[289,305]],"metadata_navigation_or_unselected_only":false,"complete_native_block_retained":true,"parsed_text_not_pixels":true},{"packet":"[internal evidence reference]","sha256":"336c619c2143dbd8cb3dbd6001d7e85caeb5008d47064ebe3fd12e27a4bb9887","chunk":2,"URL":"https://www.consumerfinance.gov/rules-policy/regulations/1026/46/","packet_character_bounds_half_open":[14548,35009],"returned_native_ranges":[[36,40],[45,142]],"access_failure":false,"search_miss":false,"actual_selected_lines_read":[[104,129]],"metadata_navigation_or_unselected_only":false,"complete_native_block_retained":true,"parsed_text_not_pixels":true}],"no_actual_application_or_current_law_certificate":true,"reviewed_at":"2026-10-29T08:39:09.642740+00:00"}},{"source_id":"R011-P1-S006","urls":["https://www.ecfr.gov/current/title-12/chapter-VII/subchapter-A/part-701/section-701.21","https://www.ecfr.gov/current/title-12/chapter-VII/subchapter-A/part-701/section-701.21?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"R011-P1-S006","Issuer/title and complete literal HTTPS URLs":"NCUA/eCFR, 12 CFR 701.21: https://www.ecfr.gov/current/title-12/chapter-VII/subchapter-A/part-701/section-701.21","Exact clauses, printed pages/PDF indexes, and actual read bounds":"Complete (c)(7)(i)–(iii); selected (iv) comparison. PALs I mandatory conditions distinguished from associated best-practice guidance.","Version/effective predicate; reading status and limits":"U.S. federal credit-union regulation. Fresh text read. The currently applicable Board-set general interest ceiling was not separately verified; no fixed current PAL rate is asserted."},"coordinator_verification_status":"selected_primary_passages_checked_with_holds","coordinator_review":{"coordinator_status":"selected_primary_passages_checked_with_holds","coordinator_scope":"Fresh eCFR selected PALs I/II text at §701.21(c)(7), including literal1000bp formula, amount/term/applicationfee and separate borrowing/membership conditions. Display title12up-to-date10/27,lastamended10/23 is titlewide; actualcurrentBoardceiling notice not fetched. PALs II not silently imported into Part1041safeharbor.","fresh_selected_evidence":[{"packet":"[internal evidence reference]","sha256":"838959e2722a658169f85713c298160f906f65d86b35cacbddaf6220e0c30484","chunk":2,"URL":"https://www.ecfr.gov/current/title-12/chapter-VII/subchapter-A/part-701/section-701.21","packet_character_bounds_half_open":[14496,22870],"returned_native_ranges":[[0,115]],"access_failure":false,"search_miss":false,"actual_selected_lines_read":[[67,69],[98,115]],"metadata_navigation_or_unselected_only":false,"complete_native_block_retained":true,"parsed_text_not_pixels":true},{"packet":"[internal evidence reference]","sha256":"f5e16ac44301649b46e6fdc2b32db84a632555af4fb2f259cc8fb8553cfcbe7c","chunk":0,"URL":"https://www.ecfr.gov/current/title-12/chapter-VII/subchapter-A/part-701/section-701.21","packet_character_bounds_half_open":[0,13425],"returned_native_ranges":[[148,232]],"access_failure":false,"search_miss":false,"actual_selected_lines_read":[[148,173]],"metadata_navigation_or_unselected_only":false,"complete_native_block_retained":true,"parsed_text_not_pixels":true},{"packet":"[internal evidence reference]","sha256":"c49b7cc204ee115172cdc4c6b55da71e33aed9027d2d5761d971e8b766bbd3f4","chunk":0,"URL":"https://www.ecfr.gov/current/title-12/chapter-VII/subchapter-A/part-701/section-701.21","packet_character_bounds_half_open":[0,10248],"returned_native_ranges":[[113,161]],"access_failure":false,"search_miss":false,"actual_selected_lines_read":[[126,161]],"metadata_navigation_or_unselected_only":false,"complete_native_block_retained":true,"parsed_text_not_pixels":true}],"no_actual_application_or_current_law_certificate":true,"reviewed_at":"2026-10-29T08:39:09.642740+00:00"}},{"source_id":"R011-P1-S007","urls":["https://www.ecfr.gov/current/title-12/chapter-II/subchapter-A/part-229/subpart-A/section-229.2"],"researcher_record":{"Source ID":"R011-P1-S007","Issuer/title and complete literal HTTPS URLs":"Federal Reserve/eCFR, Regulation CC, 12 CFR 229.2: https://www.ecfr.gov/current/title-12/chapter-II/subchapter-A/part-229/subpart-A/section-229.2","Exact clauses, printed pages/PDF indexes, and actual read bounds":"Complete paragraph (fff), remotely created check definition.","Version/effective predicate; reading status and limits":"U.S. federal regulation. Fresh limited body read; no actual instrument classification."},"coordinator_verification_status":"original_researcher_attributed_not_freshly_reopened","coordinator_review":{"coordinator_status":"original_researcher_attributed_not_freshly_reopened","coordinator_scope":"Whole original source record read and reconciled, but no fresh operative-body verification in this review. Original successful/failed/secondary/edition/selected-page and judicial-history assertions remain attributed at their recorded bounds; no authority promoted from citations alone.","fresh_selected_evidence":[],"no_actual_application_or_current_law_certificate":true,"reviewed_at":"2026-10-29T08:39:09.642740+00:00"}},{"source_id":"R011-P1-S008","urls":["https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.2","https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.2?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"R011-P1-S008","Issuer/title and complete literal HTTPS URLs":"FTC/eCFR, 16 CFR 310.2: https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.2","Exact clauses, printed pages/PDF indexes, and actual read bounds":"Current paragraphs (cc) and (dd), particularly the complete remotely created payment-order definition at (dd).","Version/effective predicate; reading status and limits":"U.S. federal regulation. Fresh body read. Establishes the numbering mismatch with the still-printed Part 1041 reference to (cc)."},"coordinator_verification_status":"original_researcher_attributed_not_freshly_reopened","coordinator_review":{"coordinator_status":"original_researcher_attributed_not_freshly_reopened","coordinator_scope":"Whole original source record read and reconciled, but no fresh operative-body verification in this review. Original successful/failed/secondary/edition/selected-page and judicial-history assertions remain attributed at their recorded bounds; no authority promoted from citations alone.","fresh_selected_evidence":[],"no_actual_application_or_current_law_certificate":true,"reviewed_at":"2026-10-29T08:39:09.642740+00:00"}},{"source_id":"R011-P1-S009","urls":["https://www.federalregister.gov/documents/2024/04/16/2024-07180/telemarketing-sales-rule","https://www.govinfo.gov/content/pkg/FR-2024-04-16/pdf/2024-07180.pdf","https://www.govinfo.gov/content/pkg/FR-2024-04-16/pdf/2024-07180.pdf?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"R011-P1-S009","Issuer/title and complete literal HTTPS URLs":"FTC, Telemarketing Sales Rule, 89 FR 26760: https://www.federalregister.gov/documents/2024/04/16/2024-07180/telemarketing-sales-rule; official PDF https://www.govinfo.gov/content/pkg/FR-2024-04-16/pdf/2024-07180.pdf","Exact clauses, printed pages/PDF indexes, and actual read bounds":"Printed p. 26760/index 0, dates/summary; p. 26783/index 23, complete amendatory instruction 2 redesignating former (aa)–(hh) as (bb)–(ii). Not all 27 PDF pages read.","Version/effective predicate; reading status and limits":"Published April 16, 2024; relevant amendment effective May 16, 2024. Fresh final-rule text read."},"coordinator_verification_status":"original_researcher_attributed_not_freshly_reopened","coordinator_review":{"coordinator_status":"original_researcher_attributed_not_freshly_reopened","coordinator_scope":"Whole original source record read and reconciled, but no fresh operative-body verification in this review. Original successful/failed/secondary/edition/selected-page and judicial-history assertions remain attributed at their recorded bounds; no authority promoted from citations alone.","fresh_selected_evidence":[],"no_actual_application_or_current_law_certificate":true,"reviewed_at":"2026-10-29T08:39:09.642740+00:00"}},{"source_id":"R011-P1-S010","urls":["https://www.govinfo.gov/link/uscode/15/7001","https://www.govinfo.gov/link/uscode/15/7006","https://www.govinfo.gov/link/uscode/15/7001?utm_source=chatgpt.com","https://www.govinfo.gov/link/uscode/15/7006?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"R011-P1-S010","Issuer/title and complete literal HTTPS URLs":"Congress/GPO, E-SIGN, 15 USC 7001 and 7006: https://www.govinfo.gov/link/uscode/15/7001; https://www.govinfo.gov/link/uscode/15/7006","Exact clauses, printed pages/PDF indexes, and actual read bounds":"§ 7001(a)–(b), printed p. 2304/index 0; selected subsequent text only. § 7006(4), (5), (9), printed p. 2309/index 0.","Version/effective predicate; reading status and limits":"U.S. federal statute. Fresh bounded reads; extract edition not independently established. No claim of a complete § 7001(c)–(d) audit. Part 1041’s own delivery/signature distinctions control the discussion below."},"coordinator_verification_status":"original_researcher_attributed_not_freshly_reopened","coordinator_review":{"coordinator_status":"original_researcher_attributed_not_freshly_reopened","coordinator_scope":"Whole original source record read and reconciled, but no fresh operative-body verification in this review. Original successful/failed/secondary/edition/selected-page and judicial-history assertions remain attributed at their recorded bounds; no authority promoted from citations alone.","fresh_selected_evidence":[],"no_actual_application_or_current_law_certificate":true,"reviewed_at":"2026-10-29T08:39:09.642740+00:00"}},{"source_id":"R011-P1-S011","urls":["https://www.govinfo.gov/link/uscode/29/203","https://www.govinfo.gov/link/uscode/29/203?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"R011-P1-S011","Issuer/title and complete literal HTTPS URLs":"Congress/GPO, FLSA, 29 USC 203(d): https://www.govinfo.gov/link/uscode/29/203","Exact clauses, printed pages/PDF indexes, and actual read bounds":"Complete employer definition (d), printed p. 63/index 0.","Version/effective predicate; reading status and limits":"U.S. federal statute. Fresh fallback read; extract edition not independently established. No actual employment classification."},"coordinator_verification_status":"original_researcher_attributed_not_freshly_reopened","coordinator_review":{"coordinator_status":"original_researcher_attributed_not_freshly_reopened","coordinator_scope":"Whole original source record read and reconciled, but no fresh operative-body verification in this review. Original successful/failed/secondary/edition/selected-page and judicial-history assertions remain attributed at their recorded bounds; no authority promoted from citations alone.","fresh_selected_evidence":[],"no_actual_application_or_current_law_certificate":true,"reviewed_at":"2026-10-29T08:39:09.642740+00:00"}},{"source_id":"R011-P1-S012","urls":["https://www.govinfo.gov/content/pkg/FR-2017-11-17/html/2017-21808.htm","https://www.govinfo.gov/content/pkg/FR-2017-11-17/html/2017-21808.htm?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"R011-P1-S012","Issuer/title and complete literal HTTPS URLs":"CFPB, 2017 final Payday, Vehicle Title, and Certain High-Cost Installment Loans Rule, 82 FR 54472–54921: https://www.govinfo.gov/content/pkg/FR-2017-11-17/html/2017-21808.htm","Exact clauses, printed pages/PDF indexes, and actual read bounds":"Complete front summary/dates and selected relevant preamble passages. Codified regulatory text begins at printed p. 54871; current operative clauses were read through S001. The entire 450-page publication was not read.","Version/effective predicate; reading status and limits":"Published November 17, 2017; effective January 16, 2018; original general compliance August 19, 2019. Fresh HTML body read after size failures. PDF indexes unavailable because PDF retrieval failed. Historical original rule."},"coordinator_verification_status":"original_researcher_attributed_not_freshly_reopened","coordinator_review":{"coordinator_status":"original_researcher_attributed_not_freshly_reopened","coordinator_scope":"Whole original source record read and reconciled, but no fresh operative-body verification in this review. Original successful/failed/secondary/edition/selected-page and judicial-history assertions remain attributed at their recorded bounds; no authority promoted from citations alone.","fresh_selected_evidence":[],"no_actual_application_or_current_law_certificate":true,"reviewed_at":"2026-10-29T08:39:09.642740+00:00"}},{"source_id":"R011-P1-S013","urls":["https://www.federalregister.gov/documents/2019/06/17/2019-12307/payday-vehicle-title-and-certain-high-cost-installment-loans-delay-of-compliance-date-correcting","https://www.govinfo.gov/content/pkg/FR-2019-06-17/pdf/2019-12307.pdf","https://www.federalregister.gov/documents/2019/06/17/2019-12307/payday-vehicle-title-and-certain-high-cost-installment-loans-delay-of-compliance-date-correcting?utm_source=chatgpt.com","https://www.govinfo.gov/content/pkg/FR-2019-06-17/pdf/2019-12307.pdf?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"R011-P1-S013","Issuer/title and complete literal HTTPS URLs":"CFPB, 2019 delay/correcting amendments, 84 FR 27907: https://www.federalregister.gov/documents/2019/06/17/2019-12307/payday-vehicle-title-and-certain-high-cost-installment-loans-delay-of-compliance-date-correcting; official PDF https://www.govinfo.gov/content/pkg/FR-2019-06-17/pdf/2019-12307.pdf","Exact clauses, printed pages/PDF indexes, and actual read bounds":"Printed p. 27907/index 0, dates, summary and footnote 5; selected pp. 27922–27923/indexes 15–16; complete amendatory instructions 2–8 at p. 27929/index 22. Not the full 24-page preamble.","Version/effective predicate; reading status and limits":"Published June 17, 2019; effective August 16, 2019. Historical underwriting delay to November 19, 2020 and technical corrections. Fresh text read."},"coordinator_verification_status":"original_researcher_attributed_not_freshly_reopened","coordinator_review":{"coordinator_status":"original_researcher_attributed_not_freshly_reopened","coordinator_scope":"Whole original source record read and reconciled, but no fresh operative-body verification in this review. Original successful/failed/secondary/edition/selected-page and judicial-history assertions remain attributed at their recorded bounds; no authority promoted from citations alone.","fresh_selected_evidence":[],"no_actual_application_or_current_law_certificate":true,"reviewed_at":"2026-10-29T08:39:09.642740+00:00"}},{"source_id":"R011-P1-S014","urls":["https://www.federalregister.gov/documents/2020/07/22/2020-14935/payday-vehicle-title-and-certain-high-cost-installment-loans","https://www.govinfo.gov/content/pkg/FR-2020-07-22/pdf/2020-14935.pdf","https://www.federalregister.gov/documents/2020/07/22/2020-14935/payday-vehicle-title-and-certain-high-cost-installment-loans?utm_source=chatgpt.com","https://www.govinfo.gov/content/pkg/FR-2020-07-22/pdf/2020-14935.pdf?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"R011-P1-S014","Issuer/title and complete literal HTTPS URLs":"CFPB, 2020 revocation final rule, 85 FR 44382: https://www.federalregister.gov/documents/2020/07/22/2020-14935/payday-vehicle-title-and-certain-high-cost-installment-loans; official PDF https://www.govinfo.gov/content/pkg/FR-2020-07-22/pdf/2020-14935.pdf","Exact clauses, printed pages/PDF indexes, and actual read bounds":"Printed p. 44382/index 0, dates/summary; complete amendatory instructions 1–10, pp. 44444–44445/indexes 62–63. Revised operative comments also read through S001. Not the entire 65-page preamble.","Version/effective predicate; reading status and limits":"Published July 22, 2020; effective October 20, 2020. Revoked specified underwriting provisions; did not repeal the payment regime. Fresh text read."},"coordinator_verification_status":"original_researcher_attributed_not_freshly_reopened","coordinator_review":{"coordinator_status":"original_researcher_attributed_not_freshly_reopened","coordinator_scope":"Whole original source record read and reconciled, but no fresh operative-body verification in this review. Original successful/failed/secondary/edition/selected-page and judicial-history assertions remain attributed at their recorded bounds; no authority promoted from citations alone.","fresh_selected_evidence":[],"no_actual_application_or_current_law_certificate":true,"reviewed_at":"2026-10-29T08:39:09.642740+00:00"}},{"source_id":"R011-P1-S015","urls":["https://files.consumerfinance.gov/f/documents/cfpb_payday_lending-models-disclosures-and-clauses.pdf","https://files.consumerfinance.gov/f/documents/cfpb_payday_lending-models-disclosures-and-clauses.pdf?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"R011-P1-S015","Issuer/title and complete literal HTTPS URLs":"CFPB, Payday Lending Rule—Model Forms and Clauses, May 2019: https://files.consumerfinance.gov/f/documents/cfpb_payday_lending-models-disclosures-and-clauses.pdf","Exact clauses, printed pages/PDF indexes, and actual read bounds":"Entire extracted text of seven PDF pages: cover index 0; A-3 index 1; A-4 index 2; A-5 index 3; A-6 index 4; A-7 index 5; A-8 index 6. Printed numeric page labels were not established.","Version/effective predicate; reading status and limits":"Official generic models, dated May 2019. Fresh parsed-text read. Six screenshot attempts returned placeholders without inspectable image content. Pixels, typography and full visual layout not inspected."},"coordinator_verification_status":"original_researcher_attributed_not_freshly_reopened","coordinator_review":{"coordinator_status":"original_researcher_attributed_not_freshly_reopened","coordinator_scope":"Whole original source record read and reconciled, but no fresh operative-body verification in this review. Original successful/failed/secondary/edition/selected-page and judicial-history assertions remain attributed at their recorded bounds; no authority promoted from citations alone.","fresh_selected_evidence":[],"no_actual_application_or_current_law_certificate":true,"reviewed_at":"2026-10-29T08:39:09.642740+00:00"}},{"source_id":"R011-P1-S016","urls":["https://www.govinfo.gov/content/pkg/CFR-2025-title12-vol9/pdf/CFR-2025-title12-vol9-part1041.pdf","https://www.govinfo.gov/content/pkg/CFR-2025-title12-vol9/pdf/CFR-2025-title12-vol9-part1041.pdf?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"R011-P1-S016","Issuer/title and complete literal HTTPS URLs":"GPO, 2025 annual CFR, Part 1041: https://www.govinfo.gov/content/pkg/CFR-2025-title12-vol9/pdf/CFR-2025-title12-vol9-part1041.pdf","Exact clauses, printed pages/PDF indexes, and actual read bounds":"Edition/header at printed p. 1029/index 0; Supplement I comment 7-1 at p. 1054/index 25; selected cross-check passages. Not all 37 pages read.","Version/effective predicate; reading status and limits":"Official annual edition revised January 1, 2025. Fresh selected text read; historical edition, not proof of October 2026 completeness. Same regulatory body as S001."},"coordinator_verification_status":"original_researcher_attributed_not_freshly_reopened","coordinator_review":{"coordinator_status":"original_researcher_attributed_not_freshly_reopened","coordinator_scope":"Whole original source record read and reconciled, but no fresh operative-body verification in this review. Original successful/failed/secondary/edition/selected-page and judicial-history assertions remain attributed at their recorded bounds; no authority promoted from citations alone.","fresh_selected_evidence":[],"no_actual_application_or_current_law_certificate":true,"reviewed_at":"2026-10-29T08:39:09.642740+00:00"}},{"source_id":"R011-P1-S017","urls":["https://www.ca5.uscourts.gov/opinions/pub/21/21-50826-CV0.pdf","https://www.ca5.uscourts.gov/opinions/pub/21/21-50826-CV0.pdf?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"R011-P1-S017","Issuer/title and complete literal HTTPS URLs":"Fifth Circuit, Community Financial Services Association of America, Ltd. v. CFPB, 51 F.4th 616 (2022): https://www.ca5.uscourts.gov/opinions/pub/21/21-50826-CV0.pdf","Exact clauses, printed pages/PDF indexes, and actual read bounds":"Published panel majority, October 19, 2022. Printed pp. 1–15/indexes 0–14 read through overlapping body opens; beginning of p. 16/index 15; selected pp. 37–39/indexes 36–38, including disposition. Relevant pinpoints: p. 6 procedural history; p. 9 n.1; pp. 12–16 payment-rule challenges; p. 39 disposition.","Version/effective predicate; reading status and limits":"U.S. federal appellate authority, Fifth Circuit. Historical funding holding/vacatur reversed in 2024. Not the entire opinion read; later history checked only to the extent S018–S019 establish. No docket query."},"coordinator_verification_status":"original_researcher_attributed_not_freshly_reopened","coordinator_review":{"coordinator_status":"original_researcher_attributed_not_freshly_reopened","coordinator_scope":"Whole original source record read and reconciled, but no fresh operative-body verification in this review. Original successful/failed/secondary/edition/selected-page and judicial-history assertions remain attributed at their recorded bounds; no authority promoted from citations alone.","fresh_selected_evidence":[],"no_actual_application_or_current_law_certificate":true,"reviewed_at":"2026-10-29T08:39:09.642740+00:00"}},{"source_id":"R011-P1-S018","urls":["https://www.supremecourt.gov/opinions/23pdf/601us2r21_7648.pdf","https://www.supremecourt.gov/opinions/23pdf/601us2r21_7648.pdf?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"R011-P1-S018","Issuer/title and complete literal HTTPS URLs":"Supreme Court, CFPB v. Community Financial Services Association of America, Ltd., 601 U.S. 416 (2024): https://www.supremecourt.gov/opinions/23pdf/601us2r21_7648.pdf","Exact clauses, printed pages/PDF indexes, and actual read bounds":"Actual Thomas majority passages, not merely syllabus: printed pp. 420–421/indexes 5–6; pp. 423–425/indexes 8–10; p. 435/index 20; p. 441/index 26, including reversal/remand. Selected other passages encountered; not all 58 PDF pages or the whole majority read.","Version/effective predicate; reading status and limits":"Decided May 16, 2024. Official preliminary print, subject to revision. U.S. Supreme Court. Narrow Appropriations Clause holding; no comprehensive Part 1041 or later-history certificate."},"coordinator_verification_status":"selected_primary_passages_checked_with_holds","coordinator_review":{"coordinator_status":"selected_primary_passages_checked_with_holds","coordinator_scope":"Selected fresh official preliminary-print metadata, syllabus identified as such, and actual majority §V printed441/index26/L785–791 confirms reversal/remand. Not whole58pages, all reasoning/concurrences/dissent, final bound revision or later history. Parsed text only, no pixels.","fresh_selected_evidence":[{"packet":"[internal evidence reference]","sha256":"f5e16ac44301649b46e6fdc2b32db84a632555af4fb2f259cc8fb8553cfcbe7c","chunk":2,"URL":"https://www.supremecourt.gov/opinions/23pdf/601us2r21_7648.pdf","packet_character_bounds_half_open":[26372,35601],"returned_native_ranges":[[0,106]],"access_failure":false,"search_miss":false,"actual_selected_lines_read":[[0,13],[21,35]],"metadata_navigation_or_unselected_only":false,"complete_native_block_retained":true,"parsed_text_not_pixels":true},{"packet":"[internal evidence reference]","sha256":"c49b7cc204ee115172cdc4c6b55da71e33aed9027d2d5761d971e8b766bbd3f4","chunk":1,"URL":"https://www.supremecourt.gov/opinions/23pdf/601us2r21_7648.pdf","packet_character_bounds_half_open":[10330,20886],"returned_native_ranges":[[82,196]],"access_failure":false,"search_miss":false,"actual_selected_lines_read":[[116,121]],"metadata_navigation_or_unselected_only":false,"complete_native_block_retained":true,"parsed_text_not_pixels":true},{"packet":"[internal evidence reference]","sha256":"3a9cb5bc02871d1edfbb01d668a40fb16398b9736b915bdf5b25c495bc19c8e4","chunk":2,"URL":"https://www.supremecourt.gov/opinions/23pdf/601us2r21_7648.pdf","packet_character_bounds_half_open":[16563,29940],"returned_native_ranges":[[737,890]],"access_failure":false,"search_miss":false,"actual_selected_lines_read":[[785,791]],"metadata_navigation_or_unselected_only":false,"complete_native_block_retained":true,"parsed_text_not_pixels":true}],"no_actual_application_or_current_law_certificate":true,"reviewed_at":"2026-10-29T08:39:09.642740+00:00"}},{"source_id":"R011-P1-S019","urls":["https://www.ca5.uscourts.gov/opinions/pub/21/21-50826-CV1.pdf","https://www.ca5.uscourts.gov/opinions/pub/21/21-50826-CV1.pdf?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"R011-P1-S019","Issuer/title and complete literal HTTPS URLs":"Fifth Circuit, published remand opinion, 104 F.4th 930 (2024): https://www.ca5.uscourts.gov/opinions/pub/21/21-50826-CV1.pdf","Exact clauses, printed pages/PDF indexes, and actual read bounds":"Entire two-page per curiam opinion: printed pp. 1–2/indexes 0–1.","Version/effective predicate; reading status and limits":"Published June 19, 2024. Reinstated the judgment on alternative arguments and rendered judgment consistent with the Supreme Court’s funding holding. No later docket/mandate-status investigation."},"coordinator_verification_status":"selected_primary_passages_checked_with_holds","coordinator_review":{"coordinator_status":"selected_primary_passages_checked_with_holds","coordinator_scope":"Fresh entire two-page published remand opinion, nativeL0–49, including operative alternative-argument reinstatement/constitutional judgment atL33–46. No docket/private inquiry, later mandate/rehearing/order status or complete stay chain.","fresh_selected_evidence":[{"packet":"[internal evidence reference]","sha256":"23c969be1226780155cb111d4890cbf119c4a256175bb4e705f70af901afb8e9","chunk":2,"URL":"https://www.ca5.uscourts.gov/opinions/pub/21/21-50826-CV1.pdf","packet_character_bounds_half_open":[7875,10656],"returned_native_ranges":[[0,49]],"access_failure":false,"search_miss":false,"actual_selected_lines_read":[[0,49]],"metadata_navigation_or_unselected_only":false,"complete_native_block_retained":true,"parsed_text_not_pixels":true}],"no_actual_application_or_current_law_certificate":true,"reviewed_at":"2026-10-29T08:39:09.642740+00:00"}},{"source_id":"R011-P1-S020","urls":["https://www.consumerfinance.gov/about-us/newsroom/cfpb-offers-regulatory-relief-for-small-loan-providers/","https://www.consumerfinance.gov/about-us/newsroom/cfpb-offers-regulatory-relief-for-small-loan-providers/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"R011-P1-S020","Issuer/title and complete literal HTTPS URLs":"CFPB, “CFPB Offers Regulatory Relief for Small Loan Providers”: https://www.consumerfinance.gov/about-us/newsroom/cfpb-offers-regulatory-relief-for-small-loan-providers/","Exact clauses, printed pages/PDF indexes, and actual read bounds":"Entire operative announcement paragraphs.","Version/effective predicate; reading status and limits":"Dated March 28, 2025; stated payment provisions become operative March 30, 2025. Agency enforcement/supervision prioritization, not a legislative rule repealing Part 1041. Fresh body read."},"coordinator_verification_status":"selected_primary_passages_checked_with_holds","coordinator_review":{"coordinator_status":"selected_primary_passages_checked_with_holds","coordinator_scope":"Fresh whole operative March28,2025 announcementL19–23 plus dateline/lastmodified. Nonprioritization concerns penalties/fines, contemplates proposed narrowing; does not state repeal or create judicial stay. No later-policy complete audit.","fresh_selected_evidence":[{"packet":"[internal evidence reference]","sha256":"23c969be1226780155cb111d4890cbf119c4a256175bb4e705f70af901afb8e9","chunk":3,"URL":"https://www.consumerfinance.gov/about-us/newsroom/cfpb-offers-regulatory-relief-for-small-loan-providers/","packet_character_bounds_half_open":[10738,13212],"returned_native_ranges":[[0,44]],"access_failure":false,"search_miss":false,"actual_selected_lines_read":[[19,23],[35,35]],"metadata_navigation_or_unselected_only":false,"complete_native_block_retained":true,"parsed_text_not_pixels":true}],"no_actual_application_or_current_law_certificate":true,"reviewed_at":"2026-10-29T08:39:09.642740+00:00"}},{"source_id":"R011-P1-S021","urls":["https://www.consumerfinance.gov/compliance/compliance-resources/consumer-lending-resources/payday-lending-rule/","https://www.consumerfinance.gov/compliance/compliance-resources/consumer-lending-resources/payday-lending-rule/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"R011-P1-S021","Issuer/title and complete literal HTTPS URLs":"CFPB, Payday Lending Rule compliance resources: https://www.consumerfinance.gov/compliance/compliance-resources/consumer-lending-resources/payday-lending-rule/","Exact clauses, printed pages/PDF indexes, and actual read bounds":"Main resource-page body, including the continued link to S020.","Version/effective predicate; reading status and limits":"Page displayed last modification June 1, 2026. Fresh status/resource read. Resource-page currency is not a complete legal-currentness audit."},"coordinator_verification_status":"selected_primary_passages_checked_with_holds","coordinator_review":{"coordinator_status":"selected_primary_passages_checked_with_holds","coordinator_scope":"Fresh selected resource page link/content and lastmodifiedJun1,2026. Link toMarch2025announcement is not independent substantive corroboration or a later-law certificate.","fresh_selected_evidence":[{"packet":"[internal evidence reference]","sha256":"3a9cb5bc02871d1edfbb01d668a40fb16398b9736b915bdf5b25c495bc19c8e4","chunk":1,"URL":"https://www.consumerfinance.gov/compliance/compliance-resources/consumer-lending-resources/payday-lending-rule/","packet_character_bounds_half_open":[11968,16481],"returned_native_ranges":[[0,121]],"access_failure":false,"search_miss":false,"actual_selected_lines_read":[[24,97]],"metadata_navigation_or_unselected_only":false,"complete_native_block_retained":true,"parsed_text_not_pixels":true}],"no_actual_application_or_current_law_certificate":true,"reviewed_at":"2026-10-29T08:39:09.642740+00:00"}},{"source_id":"R011-P1-S022","urls":["https://www.consumerfinance.gov/compliance/guidance/withdrawn-guidance/","https://www.consumerfinance.gov/compliance/guidance/withdrawn-guidance/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"R011-P1-S022","Issuer/title and complete literal HTTPS URLs":"CFPB, Withdrawn Guidance register: https://www.consumerfinance.gov/compliance/guidance/withdrawn-guidance/","Exact clauses, printed pages/PDF indexes, and actual read bounds":"Entire displayed withdrawal list read, including relevant earned-wage-access, education-credit and overdraft entries.","Version/effective predicate; reading status and limits":"Displayed last modification July 22, 2026. Fresh register read. No circular, bulletin or advisory was used as a substantive foundation here. Absence from the list is not an exhaustive status certificate."},"coordinator_verification_status":"original_researcher_attributed_not_freshly_reopened","coordinator_review":{"coordinator_status":"original_researcher_attributed_not_freshly_reopened","coordinator_scope":"Whole original source record read and reconciled, but no fresh operative-body verification in this review. Original successful/failed/secondary/edition/selected-page and judicial-history assertions remain attributed at their recorded bounds; no authority promoted from citations alone.","fresh_selected_evidence":[],"no_actual_application_or_current_law_certificate":true,"reviewed_at":"2026-10-29T08:39:09.642740+00:00"}},{"source_id":"R011-P1-S023","urls":["https://www.federalregister.gov/documents/2025/05/12/2025-08286/interpretive-rules-policy-statements-and-advisory-opinions-withdrawal","https://www.govinfo.gov/content/pkg/FR-2025-05-12/pdf/2025-08286.pdf","https://www.federalregister.gov/documents/2025/05/12/2025-08286/interpretive-rules-policy-statements-and-advisory-opinions-withdrawal?utm_source=chatgpt.com","https://www.govinfo.gov/content/pkg/FR-2025-05-12/pdf/2025-08286.pdf?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"R011-P1-S023","Issuer/title and complete literal HTTPS URLs":"CFPB, Interpretive Rules, Policy Statements, and Advisory Opinions; Withdrawal, 90 FR 20084: https://www.federalregister.gov/documents/2025/05/12/2025-08286/interpretive-rules-policy-statements-and-advisory-opinions-withdrawal; official PDF https://www.govinfo.gov/content/pkg/FR-2025-05-12/pdf/2025-08286.pdf","Exact clauses, printed pages/PDF indexes, and actual read bounds":"Printed p. 20084/index 0, summary/dates; p. 20085/index 1, operative withdrawal discussion; selected § II. Entire § III PDF list not independently read; S022 supplied the complete displayed register.","Version/effective predicate; reading status and limits":"Applicable May 12, 2025. Fresh bounded publication read. Guidance withdrawal is not statutory or regulatory repeal."},"coordinator_verification_status":"original_researcher_attributed_not_freshly_reopened","coordinator_review":{"coordinator_status":"original_researcher_attributed_not_freshly_reopened","coordinator_scope":"Whole original source record read and reconciled, but no fresh operative-body verification in this review. Original successful/failed/secondary/edition/selected-page and judicial-history assertions remain attributed at their recorded bounds; no authority promoted from citations alone.","fresh_selected_evidence":[],"no_actual_application_or_current_law_certificate":true,"reviewed_at":"2026-10-29T08:39:09.642740+00:00"}},{"source_id":"R011-P1-S024","urls":["https://www.govinfo.gov/content/pkg/CFR-2026-title12-vol9/pdf/CFR-2026-title12-vol9-part1041.pdf"],"researcher_record":{"Source ID":"R011-P1-S024","Issuer/title and complete literal HTTPS URLs":"GPO, attempted 2026 annual CFR Part 1041: https://www.govinfo.gov/content/pkg/CFR-2026-title12-vol9/pdf/CFR-2026-title12-vol9-part1041.pdf","Exact clauses, printed pages/PDF indexes, and actual read bounds":"Body retrieval failed. No pages or pixels read.","Version/effective predicate; reading status and limits":"Failure record only; no authority inferred from failure. The 2026 annual-edition verification remains unresolved."},"coordinator_verification_status":"original_recorded_access_failure_preserved_not_retried","coordinator_review":{"coordinator_status":"original_recorded_access_failure_preserved_not_retried","coordinator_scope":"Whole original source record read and reconciled, but no fresh operative-body verification in this review. Original successful/failed/secondary/edition/selected-page and judicial-history assertions remain attributed at their recorded bounds; no authority promoted from citations alone.","fresh_selected_evidence":[],"no_actual_application_or_current_law_certificate":true,"reviewed_at":"2026-10-29T08:39:09.642740+00:00"}}],"coverage":[{"topic":"Consumer definition","researcher_record":{"Assigned subquestion / major branch":"Consumer definition","Coverage result":"Answered generically","Claim/example links":"C014","Exact missing authority or facts":"Actual individual/representative relationship","Next bounded permissible investigation":"No public-law search can establish held personal facts"},"raw_table_index":12,"coordinator_acceptance":"scoped_coordinator_review_with_retained_holds_not_parent_acceptance","coordinator_review":{"reviewed_at":"2026-10-29T08:39:09.642740+00:00","identity":"delegated_coordinator_not_independent","all_original_gap_and_next_action_text_retained":true,"source_checks":"[internal evidence reference]"}},{"topic":"Lender definition and regularity","researcher_record":{"Assigned subquestion / major branch":"Lender definition and regularity","Coverage result":"Answered generically","Claim/example links":"C015","Exact missing authority or facts":"Actual lending counts, periods and organizational relationships","Next bounded permissible investigation":"Generic published interpretation only if a new definitional issue arises"},"raw_table_index":12,"coordinator_acceptance":"scoped_coordinator_review_with_retained_holds_not_parent_acceptance","coordinator_review":{"reviewed_at":"2026-10-29T08:39:09.642740+00:00","identity":"delegated_coordinator_not_independent","all_original_gap_and_next_action_text_retained":true,"source_checks":"[internal evidence reference]"}},{"topic":"Account definition","researcher_record":{"Assigned subquestion / major branch":"Account definition","Coverage result":"Partial: necessary definition read","Claim/example links":"C016","Exact missing authority or facts":"Actual deposit/prepaid/trust features","Next bounded permissible investigation":"Bounded generic Reg E prepaid-definition research if needed; no account query"},"raw_table_index":12,"coordinator_acceptance":"scoped_coordinator_review_with_retained_holds_not_parent_acceptance","coordinator_review":{"reviewed_at":"2026-10-29T08:39:09.642740+00:00","identity":"delegated_coordinator_not_independent","all_original_gap_and_next_action_text_retained":true,"source_checks":"[internal evidence reference]"}},{"topic":"Credit/open-/closed-end structure","researcher_record":{"Assigned subquestion / major branch":"Credit/open-/closed-end structure","Coverage result":"Answered generically","Claim/example links":"C017","Exact missing authority or facts":"Actual plan and advance structure","Next bounded permissible investigation":"Generic official interpretation of a disputed structural feature"},"raw_table_index":12,"coordinator_acceptance":"scoped_coordinator_review_with_retained_holds_not_parent_acceptance","coordinator_review":{"reviewed_at":"2026-10-29T08:39:09.642740+00:00","identity":"delegated_coordinator_not_independent","all_original_gap_and_next_action_text_retained":true,"source_checks":"[internal evidence reference]"}},{"topic":"Consummation","researcher_record":{"Assigned subquestion / major branch":"Consummation","Coverage result":"Answered federal definition; application unresolved","Claim/example links":"C018","Exact missing authority or facts":"Governing law and contractual obligation event","Next bounded permissible investigation":"Parent-held contract/state-law investigation only if separately assigned"},"raw_table_index":12,"coordinator_acceptance":"scoped_coordinator_review_with_retained_holds_not_parent_acceptance","coordinator_review":{"reviewed_at":"2026-10-29T08:39:09.642740+00:00","identity":"delegated_coordinator_not_independent","all_original_gap_and_next_action_text_retained":true,"source_checks":"[internal evidence reference]"}},{"topic":"Lender/service provider/agent distinctions","researcher_record":{"Assigned subquestion / major branch":"Lender/service provider/agent distinctions","Coverage result":"Answered generically","Claim/example links":"C019, C041, C051","Exact missing authority or facts":"Actual agency/material-service/control facts","Next bounded permissible investigation":"Published generic interpretations; no entity search"},"raw_table_index":12,"coordinator_acceptance":"scoped_coordinator_review_with_retained_holds_not_parent_acceptance","coordinator_review":{"reviewed_at":"2026-10-29T08:39:09.642740+00:00","identity":"delegated_coordinator_not_independent","all_original_gap_and_next_action_text_retained":true,"source_checks":"[internal evidence reference]"}},{"topic":"Household primary purpose","researcher_record":{"Assigned subquestion / major branch":"Household primary purpose","Coverage result":"Answered generically","Claim/example links":"C020","Exact missing authority or facts":"Actual purpose and mixed-use facts","Next bounded permissible investigation":"Generic primary-purpose interpretation only"},"raw_table_index":12,"coordinator_acceptance":"scoped_coordinator_review_with_retained_holds_not_parent_acceptance","coordinator_review":{"reviewed_at":"2026-10-29T08:39:09.642740+00:00","identity":"delegated_coordinator_not_independent","all_original_gap_and_next_action_text_retained":true,"source_checks":"[internal evidence reference]"}},{"topic":"Short-term predicate","researcher_record":{"Assigned subquestion / major branch":"Short-term predicate","Coverage result":"Answered generically","Claim/example links":"C021","Exact missing authority or facts":"Required schedule, sweep right, applicable-law breach condition","Next bounded permissible investigation":"Published interpretation of ambiguous schedules; actual facts held"},"raw_table_index":12,"coordinator_acceptance":"scoped_coordinator_review_with_retained_holds_not_parent_acceptance","coordinator_review":{"reviewed_at":"2026-10-29T08:39:09.642740+00:00","identity":"delegated_coordinator_not_independent","all_original_gap_and_next_action_text_retained":true,"source_checks":"[internal evidence reference]"}},{"topic":"Balloon predicate","researcher_record":{"Assigned subquestion / major branch":"Balloon predicate","Coverage result":"Answered generically","Claim/example links":"C022","Exact missing authority or facts":"Required payments and permissible exclusions","Next bounded permissible investigation":"No actual amortization or contract calculation in this component"},"raw_table_index":12,"coordinator_acceptance":"scoped_coordinator_review_with_retained_holds_not_parent_acceptance","coordinator_review":{"reviewed_at":"2026-10-29T08:39:09.642740+00:00","identity":"delegated_coordinator_not_independent","all_original_gap_and_next_action_text_retained":true,"source_checks":"[internal evidence reference]"}},{"topic":"Longer-term cost-plus-mechanism predicate","researcher_record":{"Assigned subquestion / major branch":"Longer-term cost-plus-mechanism predicate","Coverage result":"Partial by scope","Claim/example links":"C023–C025, E001","Exact missing authority or facts":"Complete APR/finance-charge inputs and actual pull right","Next bounded permissible investigation":"Full APR/fee work remains parent-held; generic mechanism questions may be bounded"},"raw_table_index":12,"coordinator_acceptance":"scoped_coordinator_review_with_retained_holds_not_parent_acceptance","coordinator_review":{"reviewed_at":"2026-10-29T08:39:09.642740+00:00","identity":"delegated_coordinator_not_independent","all_original_gap_and_next_action_text_retained":true,"source_checks":"[internal evidence reference]"}},{"topic":"Coverage arising after origination","researcher_record":{"Assigned subquestion / major branch":"Coverage arising after origination","Coverage result":"Answered generically","Claim/example links":"C024–C025, C077","Exact missing authority or facts":"Actual cycle-end cost and mechanism-acquisition chronology","Next bounded permissible investigation":"Generic primary interpretation only"},"raw_table_index":12,"coordinator_acceptance":"scoped_coordinator_review_with_retained_holds_not_parent_acceptance","coordinator_review":{"reviewed_at":"2026-10-29T08:39:09.642740+00:00","identity":"delegated_coordinator_not_independent","all_original_gap_and_next_action_text_retained":true,"source_checks":"[internal evidence reference]"}},{"topic":"Purchase-money exclusion","researcher_record":{"Assigned subquestion / major branch":"Purchase-money exclusion","Coverage result":"Answered generically","Claim/example links":"C026, E002","Exact missing authority or facts":"Sole initial-purchase purpose, security, refinance status","Next bounded permissible investigation":"Actual classification held"},"raw_table_index":12,"coordinator_acceptance":"scoped_coordinator_review_with_retained_holds_not_parent_acceptance","coordinator_review":{"reviewed_at":"2026-10-29T08:39:09.642740+00:00","identity":"delegated_coordinator_not_independent","all_original_gap_and_next_action_text_retained":true,"source_checks":"[internal evidence reference]"}},{"topic":"Real-property/dwelling exclusion","researcher_record":{"Assigned subquestion / major branch":"Real-property/dwelling exclusion","Coverage result":"Answered generically","Claim/example links":"C027","Exact missing authority or facts":"Use as dwelling and perfection/recording during term","Next bounded permissible investigation":"Property and recording queries excluded"},"raw_table_index":12,"coordinator_acceptance":"scoped_coordinator_review_with_retained_holds_not_parent_acceptance","coordinator_review":{"reviewed_at":"2026-10-29T08:39:09.642740+00:00","identity":"delegated_coordinator_not_independent","all_original_gap_and_next_action_text_retained":true,"source_checks":"[internal evidence reference]"}},{"topic":"Credit-card exclusion","researcher_record":{"Assigned subquestion / major branch":"Credit-card exclusion","Coverage result":"Answered generically","Claim/example links":"C028","Exact missing authority or facts":"Defined credit-card-account features","Next bounded permissible investigation":"No account/product query"},"raw_table_index":12,"coordinator_acceptance":"scoped_coordinator_review_with_retained_holds_not_parent_acceptance","coordinator_review":{"reviewed_at":"2026-10-29T08:39:09.642740+00:00","identity":"delegated_coordinator_not_independent","all_original_gap_and_next_action_text_retained":true,"source_checks":"[internal evidence reference]"}},{"topic":"Education-credit exclusion","researcher_record":{"Assigned subquestion / major branch":"Education-credit exclusion","Coverage result":"Partial beyond necessary cross-definition","Claim/example links":"C029","Exact missing authority or facts":"Actual Title IV/private-education classification; underlying HEA institutional/program facts","Next bounded permissible investigation":"Generic HEA cross-definition research if separately needed"},"raw_table_index":12,"coordinator_acceptance":"scoped_coordinator_review_with_retained_holds_not_parent_acceptance","coordinator_review":{"reviewed_at":"2026-10-29T08:39:09.642740+00:00","identity":"delegated_coordinator_not_independent","all_original_gap_and_next_action_text_retained":true,"source_checks":"[internal evidence reference]"}},{"topic":"Pawn exclusion","researcher_record":{"Assigned subquestion / major branch":"Pawn exclusion","Coverage result":"Answered generically","Claim/example links":"C030, E003","Exact missing authority or facts":"Possession/use throughout term and recourse","Next bounded permissible investigation":"Collateral/forfeiture law remains held"},"raw_table_index":12,"coordinator_acceptance":"scoped_coordinator_review_with_retained_holds_not_parent_acceptance","coordinator_review":{"reviewed_at":"2026-10-29T08:39:09.642740+00:00","identity":"delegated_coordinator_not_independent","all_original_gap_and_next_action_text_retained":true,"source_checks":"[internal evidence reference]"}},{"topic":"Overdraft exclusion","researcher_record":{"Assigned subquestion / major branch":"Overdraft exclusion","Coverage result":"Answered only for Part 1041 scope","Claim/example links":"C031","Exact missing authority or facts":"Actual service/line classification","Next bounded permissible investigation":"No R010 incorporation; broader overdraft law remains held"},"raw_table_index":12,"coordinator_acceptance":"scoped_coordinator_review_with_retained_holds_not_parent_acceptance","coordinator_review":{"reviewed_at":"2026-10-29T08:39:09.642740+00:00","identity":"delegated_coordinator_not_independent","all_original_gap_and_next_action_text_retained":true,"source_checks":"[internal evidence reference]"}},{"topic":"Wage-advance exclusion","researcher_record":{"Assigned subquestion / major branch":"Wage-advance exclusion","Coverage result":"Answered federal predicates; state element held","Claim/example links":"C032","Exact missing authority or facts":"Employer/partner facts, accrued wages under state law, contract warranties","Next bounded permissible investigation":"Generic state-law component only if separately assigned"},"raw_table_index":12,"coordinator_acceptance":"scoped_coordinator_review_with_retained_holds_not_parent_acceptance","coordinator_review":{"reviewed_at":"2026-10-29T08:39:09.642740+00:00","identity":"delegated_coordinator_not_independent","all_original_gap_and_next_action_text_retained":true,"source_checks":"[internal evidence reference]"}},{"topic":"No-cost-advance exclusion","researcher_record":{"Assigned subquestion / major branch":"No-cost-advance exclusion","Coverage result":"Answered generically","Claim/example links":"C033","Exact missing authority or facts":"Required charges and complete preadvance warranties","Next bounded permissible investigation":"Actual contract facts held"},"raw_table_index":12,"coordinator_acceptance":"scoped_coordinator_review_with_retained_holds_not_parent_acceptance","coordinator_review":{"reviewed_at":"2026-10-29T08:39:09.642740+00:00","identity":"delegated_coordinator_not_independent","all_original_gap_and_next_action_text_retained":true,"source_checks":"[internal evidence reference]"}},{"topic":"Alternative-loan term conditions","researcher_record":{"Assigned subquestion / major branch":"Alternative-loan term conditions","Coverage result":"Answered generically","Claim/example links":"C034","Exact missing authority or facts":"Actual amounts, schedule, charges, amortization","Next bounded permissible investigation":"No actual loan calculation"},"raw_table_index":12,"coordinator_acceptance":"scoped_coordinator_review_with_retained_holds_not_parent_acceptance","coordinator_review":{"reviewed_at":"2026-10-29T08:39:09.642740+00:00","identity":"delegated_coordinator_not_independent","all_original_gap_and_next_action_text_retained":true,"source_checks":"[internal evidence reference]"}},{"topic":"Alternative borrowing-history condition","researcher_record":{"Assigned subquestion / major branch":"Alternative borrowing-history condition","Coverage result":"Answered generically","Claim/example links":"C035","Exact missing authority or facts":"Own-record history and outstanding-status periods","Next bounded permissible investigation":"No consumer-record request/search"},"raw_table_index":12,"coordinator_acceptance":"scoped_coordinator_review_with_retained_holds_not_parent_acceptance","coordinator_review":{"reviewed_at":"2026-10-29T08:39:09.642740+00:00","identity":"delegated_coordinator_not_independent","all_original_gap_and_next_action_text_retained":true,"source_checks":"[internal evidence reference]"}},{"topic":"Alternative recurring-income condition","researcher_record":{"Assigned subquestion / major branch":"Alternative recurring-income condition","Coverage result":"Answered generically","Claim/example links":"C036","Exact missing authority or facts":"Actual policies and compliance","Next bounded permissible investigation":"Full underwriting remains held"},"raw_table_index":12,"coordinator_acceptance":"scoped_coordinator_review_with_retained_holds_not_parent_acceptance","coordinator_review":{"reviewed_at":"2026-10-29T08:39:09.642740+00:00","identity":"delegated_coordinator_not_independent","all_original_gap_and_next_action_text_retained":true,"source_checks":"[internal evidence reference]"}},{"topic":"PALs I safe harbor","researcher_record":{"Assigned subquestion / major branch":"PALs I safe harbor","Coverage result":"Partial","Claim/example links":"C037","Exact missing authority or facts":"Current Board ceiling and actual compliance with every NCUA condition","Next bounded permissible investigation":"Current official NCUA Board/Letter rate authority; no credit-union lookup"},"raw_table_index":12,"coordinator_acceptance":"scoped_coordinator_review_with_retained_holds_not_parent_acceptance","coordinator_review":{"reviewed_at":"2026-10-29T08:39:09.642740+00:00","identity":"delegated_coordinator_not_independent","all_original_gap_and_next_action_text_retained":true,"source_checks":"[internal evidence reference]"}},{"topic":"Accommodation exemption","researcher_record":{"Assigned subquestion / major branch":"Accommodation exemption","Coverage result":"Answered generic formula; actual result unresolved","Claim/example links":"C038–C039","Exact missing authority or facts":"Affiliate counts, receipts, tax years, forecasts","Next bounded permissible investigation":"No entity/financial-record search"},"raw_table_index":12,"coordinator_acceptance":"scoped_coordinator_review_with_retained_holds_not_parent_acceptance","coordinator_review":{"reviewed_at":"2026-10-29T08:39:09.642740+00:00","identity":"delegated_coordinator_not_independent","all_original_gap_and_next_action_text_retained":true,"source_checks":"[internal evidence reference]"}},{"topic":"Tribal/product label and actual classification","researcher_record":{"Assigned subquestion / major branch":"Tribal/product label and actual classification","Coverage result":"Unresolved by express hold","Claim/example links":"C040","Exact missing authority or facts":"Sovereign authority, governing law, actual product terms","Next bounded permissible investigation":"Separate parent component if authorized"},"raw_table_index":12,"coordinator_acceptance":"scoped_coordinator_review_with_retained_holds_not_parent_acceptance","coordinator_review":{"reviewed_at":"2026-10-29T08:39:09.642740+00:00","identity":"delegated_coordinator_not_independent","all_original_gap_and_next_action_text_retained":true,"source_checks":"[internal evidence reference]"}},{"topic":"Payment-transfer purpose and methods","researcher_record":{"Assigned subquestion / major branch":"Payment-transfer purpose and methods","Coverage result":"Answered generically","Claim/example links":"C041–C043","Exact missing authority or facts":"Actual initiation/purpose/instrument facts","Next bounded permissible investigation":"Published generic instrument authority if necessary"},"raw_table_index":12,"coordinator_acceptance":"scoped_coordinator_review_with_retained_holds_not_parent_acceptance","coordinator_review":{"reviewed_at":"2026-10-29T08:39:09.642740+00:00","identity":"delegated_coordinator_not_independent","all_original_gap_and_next_action_text_retained":true,"source_checks":"[internal evidence reference]"}},{"topic":"Account-holding no-fee/no-closure exclusion","researcher_record":{"Assigned subquestion / major branch":"Account-holding no-fee/no-closure exclusion","Coverage result":"Answered generically","Claim/example links":"C044, E009","Exact missing authority or facts":"Contract terms effective from inception through duration","Next bounded permissible investigation":"Actual agreements held"},"raw_table_index":12,"coordinator_acceptance":"scoped_coordinator_review_with_retained_holds_not_parent_acceptance","coordinator_review":{"reviewed_at":"2026-10-29T08:39:09.642740+00:00","identity":"delegated_coordinator_not_independent","all_original_gap_and_next_action_text_retained":true,"source_checks":"[internal evidence reference]"}},{"topic":"Identified unfair/abusive practice","researcher_record":{"Assigned subquestion / major branch":"Identified unfair/abusive practice","Coverage result":"Answered narrowly","Claim/example links":"C045","Exact missing authority or facts":"Actual compliance and any independent legal theory","Next bounded permissible investigation":"No individual liability/remedy investigation"},"raw_table_index":12,"coordinator_acceptance":"scoped_coordinator_review_with_retained_holds_not_parent_acceptance","coordinator_review":{"reviewed_at":"2026-10-29T08:39:09.642740+00:00","identity":"delegated_coordinator_not_independent","all_original_gap_and_next_action_text_retained":true,"source_checks":"[internal evidence reference]"}},{"topic":"NSF versus other return reasons","researcher_record":{"Assigned subquestion / major branch":"NSF versus other return reasons","Coverage result":"Answered generically","Claim/example links":"C047–C048, E005","Exact missing authority or facts":"Actual reason, available funds, internal transfer facts","Next bounded permissible investigation":"No return-record query"},"raw_table_index":12,"coordinator_acceptance":"scoped_coordinator_review_with_retained_holds_not_parent_acceptance","coordinator_review":{"reviewed_at":"2026-10-29T08:39:09.642740+00:00","identity":"delegated_coordinator_not_independent","all_original_gap_and_next_action_text_retained":true,"source_checks":"[internal evidence reference]"}},{"topic":"First failure","researcher_record":{"Assigned subquestion / major branch":"First failure","Coverage result":"Answered generically","Claim/example links":"C049, E004","Exact missing authority or facts":"Complete prior transfer sequence","Next bounded permissible investigation":"Actual sequence held"},"raw_table_index":12,"coordinator_acceptance":"scoped_coordinator_review_with_retained_holds_not_parent_acceptance","coordinator_review":{"reviewed_at":"2026-10-29T08:39:09.642740+00:00","identity":"delegated_coordinator_not_independent","all_original_gap_and_next_action_text_retained":true,"source_checks":"[internal evidence reference]"}},{"topic":"Second failure; simultaneous transfers","researcher_record":{"Assigned subquestion / major branch":"Second failure; simultaneous transfers","Coverage result":"Answered generically","Claim/example links":"C050, E007","Exact missing authority or facts":"Exact initiation/return order","Next bounded permissible investigation":"Actual event facts held"},"raw_table_index":12,"coordinator_acceptance":"scoped_coordinator_review_with_retained_holds_not_parent_acceptance","coordinator_review":{"reviewed_at":"2026-10-29T08:39:09.642740+00:00","identity":"delegated_coordinator_not_independent","all_original_gap_and_next_action_text_retained":true,"source_checks":"[internal evidence reference]"}},{"topic":"Different channels and loans","researcher_record":{"Assigned subquestion / major branch":"Different channels and loans","Coverage result":"Answered generically","Claim/example links":"C046, C050, E006","Exact missing authority or facts":"Same-account/same-lender relationships","Next bounded permissible investigation":"No identifier comparison or entry"},"raw_table_index":12,"coordinator_acceptance":"scoped_coordinator_review_with_retained_holds_not_parent_acceptance","coordinator_review":{"reviewed_at":"2026-10-29T08:39:09.642740+00:00","identity":"delegated_coordinator_not_independent","all_original_gap_and_next_action_text_retained":true,"source_checks":"[internal evidence reference]"}},{"topic":"Agent knowledge and trigger date","researcher_record":{"Assigned subquestion / major branch":"Agent knowledge and trigger date","Coverage result":"Answered generically","Claim/example links":"C051, C088","Exact missing authority or facts":"Lender/processor information receipt","Next bounded permissible investigation":"No actual processor-record request"},"raw_table_index":12,"coordinator_acceptance":"scoped_coordinator_review_with_retained_holds_not_parent_acceptance","coordinator_review":{"reviewed_at":"2026-10-29T08:39:09.642740+00:00","identity":"delegated_coordinator_not_independent","all_original_gap_and_next_action_text_retained":true,"source_checks":"[internal evidence reference]"}},{"topic":"Success/cash/immediate-payment counting","researcher_record":{"Assigned subquestion / major branch":"Success/cash/immediate-payment counting","Coverage result":"Answered generically","Claim/example links":"C052, E004, E012","Exact missing authority or facts":"Payment classification and valid exception predicates","Next bounded permissible investigation":"Actual events held"},"raw_table_index":12,"coordinator_acceptance":"scoped_coordinator_review_with_retained_holds_not_parent_acceptance","coordinator_review":{"reviewed_at":"2026-10-29T08:39:09.642740+00:00","identity":"delegated_coordinator_not_independent","all_original_gap_and_next_action_text_retained":true,"source_checks":"[internal evidence reference]"}},{"topic":"Other account/new loan/refinance","researcher_record":{"Assigned subquestion / major branch":"Other account/new loan/refinance","Coverage result":"Answered distinctions; application held","Claim/example links":"C053, E008, E019","Exact missing authority or facts":"Separate account, bona fide new-loan substance, timing","Next bounded permissible investigation":"Refinancing and contract work otherwise parent-held"},"raw_table_index":12,"coordinator_acceptance":"scoped_coordinator_review_with_retained_holds_not_parent_acceptance","coordinator_review":{"reviewed_at":"2026-10-29T08:39:09.642740+00:00","identity":"delegated_coordinator_not_independent","all_original_gap_and_next_action_text_retained":true,"source_checks":"[internal evidence reference]"}},{"topic":"Atypical mixed return sequence","researcher_record":{"Assigned subquestion / major branch":"Atypical mixed return sequence","Coverage result":"Unresolved beyond express branches","Claim/example links":"C055, E005","Exact missing authority or facts":"Further official interpretation resolving unsuccessful non-NSF intervening events","Next bounded permissible investigation":"Targeted published primary interpretation only"},"raw_table_index":12,"coordinator_acceptance":"scoped_coordinator_review_with_retained_holds_not_parent_acceptance","coordinator_review":{"reviewed_at":"2026-10-29T08:39:09.642740+00:00","identity":"delegated_coordinator_not_independent","all_original_gap_and_next_action_text_retained":true,"source_checks":"[internal evidence reference]"}},{"topic":"Debt discharge/fees/license implications","researcher_record":{"Assigned subquestion / major branch":"Debt discharge/fees/license implications","Coverage result":"Excluded conclusions identified","Claim/example links":"C054","Exact missing authority or facts":"Independent law and actual facts","Next bounded permissible investigation":"Parent-held subjects; no implication from two failures"},"raw_table_index":12,"coordinator_acceptance":"scoped_coordinator_review_with_retained_holds_not_parent_acceptance","coordinator_review":{"reviewed_at":"2026-10-29T08:39:09.642740+00:00","identity":"delegated_coordinator_not_independent","all_original_gap_and_next_action_text_retained":true,"source_checks":"[internal evidence reference]"}},{"topic":"New authorization versus old contract","researcher_record":{"Assigned subquestion / major branch":"New authorization versus old contract","Coverage result":"Answered generically","Claim/example links":"C056, E010","Exact missing authority or facts":"Actual new agreement and underlying authority","Next bounded permissible investigation":"No authorization-document request"},"raw_table_index":12,"coordinator_acceptance":"scoped_coordinator_review_with_retained_holds_not_parent_acceptance","coordinator_review":{"reviewed_at":"2026-10-29T08:39:09.642740+00:00","identity":"delegated_coordinator_not_independent","all_original_gap_and_next_action_text_retained":true,"source_checks":"[internal evidence reference]"}},{"topic":"Specific date/amount/channel and fee-only branch","researcher_record":{"Assigned subquestion / major branch":"Specific date/amount/channel and fee-only branch","Coverage result":"Answered generically","Claim/example links":"C057–C059, E011","Exact missing authority or facts":"Actual terms, amount, purpose and fee legality","Next bounded permissible investigation":"Actual data and broader fee law held"},"raw_table_index":12,"coordinator_acceptance":"scoped_coordinator_review_with_retained_holds_not_parent_acceptance","coordinator_review":{"reviewed_at":"2026-10-29T08:39:09.642740+00:00","identity":"delegated_coordinator_not_independent","all_original_gap_and_next_action_text_retained":true,"source_checks":"[internal evidence reference]"}},{"topic":"Request timing and channels","researcher_record":{"Assigned subquestion / major branch":"Request timing and channels","Coverage result":"Answered generically","Claim/example links":"C060–C061","Exact missing authority or facts":"Notice provision, consumer-initiated response, email consent","Next bounded permissible investigation":"Actual communications held"},"raw_table_index":12,"coordinator_acceptance":"scoped_coordinator_review_with_retained_holds_not_parent_acceptance","coordinator_review":{"reviewed_at":"2026-10-29T08:39:09.642740+00:00","identity":"delegated_coordinator_not_independent","all_original_gap_and_next_action_text_retained":true,"source_checks":"[internal evidence reference]"}},{"topic":"Receipt timing/signature/oral recording","researcher_record":{"Assigned subquestion / major branch":"Receipt timing/signature/oral recording","Coverage result":"Answered generically","Claim/example links":"C062–C063, E010","Exact missing authority or facts":"Receipt/deemed-receipt facts and signing/recording","Next bounded permissible investigation":"No actual communications/recording retrieval"},"raw_table_index":12,"coordinator_acceptance":"scoped_coordinator_review_with_retained_holds_not_parent_acceptance","coordinator_review":{"reviewed_at":"2026-10-29T08:39:09.642740+00:00","identity":"delegated_coordinator_not_independent","all_original_gap_and_next_action_text_retained":true,"source_checks":"[internal evidence reference]"}},{"topic":"Memorialization and expiry","researcher_record":{"Assigned subquestion / major branch":"Memorialization and expiry","Coverage result":"Answered generically","Claim/example links":"C064–C065","Exact missing authority or facts":"Actual copy transmission and later authorization/failures","Next bounded permissible investigation":"Actual evidence held"},"raw_table_index":12,"coordinator_acceptance":"scoped_coordinator_review_with_retained_holds_not_parent_acceptance","coordinator_review":{"reviewed_at":"2026-10-29T08:39:09.642740+00:00","identity":"delegated_coordinator_not_independent","all_original_gap_and_next_action_text_retained":true,"source_checks":"[internal evidence reference]"}},{"topic":"Immediate-payment branch","researcher_record":{"Assigned subquestion / major branch":"Immediate-payment branch","Coverage result":"Answered generically","Claim/example links":"C066–C067, E012","Exact missing authority or facts":"Fresh one-time request, contact timing, release from control","Next bounded permissible investigation":"Actual event/calendar facts held"},"raw_table_index":12,"coordinator_acceptance":"scoped_coordinator_review_with_retained_holds_not_parent_acceptance","coordinator_review":{"reviewed_at":"2026-10-29T08:39:09.642740+00:00","identity":"delegated_coordinator_not_independent","all_original_gap_and_next_action_text_retained":true,"source_checks":"[internal evidence reference]"}},{"topic":"Separate Reg E limits","researcher_record":{"Assigned subquestion / major branch":"Separate Reg E limits","Coverage result":"Partial, deliberately bounded","Claim/example links":"C068–C070","Exact missing authority or facts":"Actual recurring authority, stop notice, varying amounts; full Reg E questions","Next bounded permissible investigation":"Additional primary clauses only if necessary; no R010 reuse"},"raw_table_index":12,"coordinator_acceptance":"scoped_coordinator_review_with_retained_holds_not_parent_acceptance","coordinator_review":{"reviewed_at":"2026-10-29T08:39:09.642740+00:00","identity":"delegated_coordinator_not_independent","all_original_gap_and_next_action_text_retained":true,"source_checks":"[internal evidence reference]"}},{"topic":"Anti-evasion","researcher_record":{"Assigned subquestion / major branch":"Anti-evasion","Coverage result":"Answered generic standard","Claim/example links":"C071, E007, E019","Exact missing authority or facts":"Actual purpose/substance","Next bounded permissible investigation":"No intent or liability finding"},"raw_table_index":12,"coordinator_acceptance":"scoped_coordinator_review_with_retained_holds_not_parent_acceptance","coordinator_review":{"reviewed_at":"2026-10-29T08:39:09.642740+00:00","identity":"delegated_coordinator_not_independent","all_original_gap_and_next_action_text_retained":true,"source_checks":"[internal evidence reference]"}},{"topic":"First-payment notice","researcher_record":{"Assigned subquestion / major branch":"First-payment notice","Coverage result":"Answered generically","Claim/example links":"C077, C079–C080, C083–C084, E013","Exact missing authority or facts":"Covered-status date, schedule, notice and sending facts","Next bounded permissible investigation":"Actual documents held"},"raw_table_index":12,"coordinator_acceptance":"scoped_coordinator_review_with_retained_holds_not_parent_acceptance","coordinator_review":{"reviewed_at":"2026-10-29T08:39:09.642740+00:00","identity":"delegated_coordinator_not_independent","all_original_gap_and_next_action_text_retained":true,"source_checks":"[internal evidence reference]"}},{"topic":"Unusual-payment notice","researcher_record":{"Assigned subquestion / major branch":"Unusual-payment notice","Coverage result":"Answered generically","Claim/example links":"C078, C081–C086, E014","Exact missing authority or facts":"Amount/date/channel/retry conditions","Next bounded permissible investigation":"Actual documents held"},"raw_table_index":12,"coordinator_acceptance":"scoped_coordinator_review_with_retained_holds_not_parent_acceptance","coordinator_review":{"reviewed_at":"2026-10-29T08:39:09.642740+00:00","identity":"delegated_coordinator_not_independent","all_original_gap_and_next_action_text_retained":true,"source_checks":"[internal evidence reference]"}},{"topic":"Consumer-rights notice","researcher_record":{"Assigned subquestion / major branch":"Consumer-rights notice","Coverage result":"Answered generically","Claim/example links":"C088–C091","Exact missing authority or facts":"Failure-information receipt and complete notice content","Next bounded permissible investigation":"Actual documents held"},"raw_table_index":12,"coordinator_acceptance":"scoped_coordinator_review_with_retained_holds_not_parent_acceptance","coordinator_review":{"reviewed_at":"2026-10-29T08:39:09.642740+00:00","identity":"delegated_coordinator_not_independent","all_original_gap_and_next_action_text_retained":true,"source_checks":"[internal evidence reference]"}},{"topic":"Electronic consent and loss","researcher_record":{"Assigned subquestion / major branch":"Electronic consent and loss","Coverage result":"Answered generically","Claim/example links":"C073–C074, E015–E016","Exact missing authority or facts":"Method selections, email option, revocation/access-loss facts","Next bounded permissible investigation":"Actual consent records held"},"raw_table_index":12,"coordinator_acceptance":"scoped_coordinator_review_with_retained_holds_not_parent_acceptance","coordinator_review":{"reviewed_at":"2026-10-29T08:39:09.642740+00:00","identity":"delegated_coordinator_not_independent","all_original_gap_and_next_action_text_retained":true,"source_checks":"[internal evidence reference]"}},{"topic":"Notice combination/segregation","researcher_record":{"Assigned subquestion / major branch":"Notice combination/segregation","Coverage result":"Answered for express branches","Claim/example links":"C061, C075, C082, C091","Exact missing authority or facts":"Actual layout and content placement","Next bounded permissible investigation":"Generic blank-layout inspection permissible; no universal combination rule inferred"},"raw_table_index":12,"coordinator_acceptance":"scoped_coordinator_review_with_retained_holds_not_parent_acceptance","coordinator_review":{"reviewed_at":"2026-10-29T08:39:09.642740+00:00","identity":"delegated_coordinator_not_independent","all_original_gap_and_next_action_text_retained":true,"source_checks":"[internal evidence reference]"}},{"topic":"Official model text","researcher_record":{"Assigned subquestion / major branch":"Official model text","Coverage result":"Answered as parsed text","Claim/example links":"C092; model table","Exact missing authority or facts":"No missing parsed model body","Next bounded permissible investigation":"No need to repeat extraction"},"raw_table_index":12,"coordinator_acceptance":"scoped_coordinator_review_with_retained_holds_not_parent_acceptance","coordinator_review":{"reviewed_at":"2026-10-29T08:39:09.642740+00:00","identity":"delegated_coordinator_not_independent","all_original_gap_and_next_action_text_retained":true,"source_checks":"[internal evidence reference]"}},{"topic":"Official model pixels","researcher_record":{"Assigned subquestion / major branch":"Official model pixels","Coverage result":"Unresolved retrieval limitation","Claim/example links":"C092, E017","Exact missing authority or facts":"Inspectable images for PDF indexes 1–6","Next bounded permissible investigation":"Retry public generic PDF image rendering through permitted public browsing only"},"raw_table_index":12,"coordinator_acceptance":"scoped_coordinator_review_with_retained_holds_not_parent_acceptance","coordinator_review":{"reviewed_at":"2026-10-29T08:39:09.642740+00:00","identity":"delegated_coordinator_not_independent","all_original_gap_and_next_action_text_retained":true,"source_checks":"[internal evidence reference]"}},{"topic":"Record retention and outstanding status","researcher_record":{"Assigned subquestion / major branch":"Record retention and outstanding status","Coverage result":"Answered generically","Claim/example links":"C093–C096","Exact missing authority or facts":"Last payment/release/discharge dates, retained formats","Next bounded permissible investigation":"No actual calendar or record review"},"raw_table_index":12,"coordinator_acceptance":"scoped_coordinator_review_with_retained_holds_not_parent_acceptance","coordinator_review":{"reviewed_at":"2026-10-29T08:39:09.642740+00:00","identity":"delegated_coordinator_not_independent","all_original_gap_and_next_action_text_retained":true,"source_checks":"[internal evidence reference]"}},{"topic":"Incomplete records/compliance procedures","researcher_record":{"Assigned subquestion / major branch":"Incomplete records/compliance procedures","Coverage result":"Answered generic consequences; actual compliance unresolved","Claim/example links":"C097, E018","Exact missing authority or facts":"Complete evidence and written procedures","Next bounded permissible investigation":"No actual audit acceptance"},"raw_table_index":12,"coordinator_acceptance":"scoped_coordinator_review_with_retained_holds_not_parent_acceptance","coordinator_review":{"reviewed_at":"2026-10-29T08:39:09.642740+00:00","identity":"delegated_coordinator_not_independent","all_original_gap_and_next_action_text_retained":true,"source_checks":"[internal evidence reference]"}},{"topic":"Effective/compliance dates and underwriting revocation","researcher_record":{"Assigned subquestion / major branch":"Effective/compliance dates and underwriting revocation","Coverage result":"Answered historical published text","Claim/example links":"C003–C005","Exact missing authority or facts":"Individual event applicability","Next bounded permissible investigation":"No individualized date determination"},"raw_table_index":12,"coordinator_acceptance":"scoped_coordinator_review_with_retained_holds_not_parent_acceptance","coordinator_review":{"reviewed_at":"2026-10-29T08:39:09.642740+00:00","identity":"delegated_coordinator_not_independent","all_original_gap_and_next_action_text_retained":true,"source_checks":"[internal evidence reference]"}},{"topic":"Court stays/vacatur/later history","researcher_record":{"Assigned subquestion / major branch":"Court stays/vacatur/later history","Coverage result":"Partial","Claim/example links":"C006–C009","Exact missing authority or facts":"Complete published stay/mandate chronology and later published developments","Next bounded permissible investigation":"Published opinions only; no docket or case-record query"},"raw_table_index":12,"coordinator_acceptance":"scoped_coordinator_review_with_retained_holds_not_parent_acceptance","coordinator_review":{"reviewed_at":"2026-10-29T08:39:09.642740+00:00","identity":"delegated_coordinator_not_independent","all_original_gap_and_next_action_text_retained":true,"source_checks":"[internal evidence reference]"}},{"topic":"Nonprioritization versus repeal","researcher_record":{"Assigned subquestion / major branch":"Nonprioritization versus repeal","Coverage result":"Answered distinction","Claim/example links":"C010, E020","Exact missing authority or facts":"Any later superseding policy/final rule","Next bounded permissible investigation":"Official generic publication check"},"raw_table_index":12,"coordinator_acceptance":"scoped_coordinator_review_with_retained_holds_not_parent_acceptance","coordinator_review":{"reviewed_at":"2026-10-29T08:39:09.642740+00:00","identity":"delegated_coordinator_not_independent","all_original_gap_and_next_action_text_retained":true,"source_checks":"[internal evidence reference]"}},{"topic":"Later amendment/repeal/disapproval/currentness","researcher_record":{"Assigned subquestion / major branch":"Later amendment/repeal/disapproval/currentness","Coverage result":"Unresolved beyond checked bounds","Claim/example links":"C001, C011","Exact missing authority or facts":"October 23–27 regulatory lag, October 15–27 statutory lag, later published authority","Next bounded permissible investigation":"Bounded official final-rule/session-law/published-opinion check"},"raw_table_index":12,"coordinator_acceptance":"scoped_coordinator_review_with_retained_holds_not_parent_acceptance","coordinator_review":{"reviewed_at":"2026-10-29T08:39:09.642740+00:00","identity":"delegated_coordinator_not_independent","all_original_gap_and_next_action_text_retained":true,"source_checks":"[internal evidence reference]"}},{"topic":"Withdrawn Guidance register","researcher_record":{"Assigned subquestion / major branch":"Withdrawn Guidance register","Coverage result":"Answered for materials used","Claim/example links":"C012","Exact missing authority or facts":"No advisory/circular/bulletin relied upon","Next bounded permissible investigation":"Recheck only if one becomes necessary"},"raw_table_index":12,"coordinator_acceptance":"scoped_coordinator_review_with_retained_holds_not_parent_acceptance","coordinator_review":{"reviewed_at":"2026-10-29T08:39:09.642740+00:00","identity":"delegated_coordinator_not_independent","all_original_gap_and_next_action_text_retained":true,"source_checks":"[internal evidence reference]"}},{"topic":"Business-day/calendar application","researcher_record":{"Assigned subquestion / major branch":"Business-day/calendar application","Coverage result":"Unresolved actual calendar","Claim/example links":"C098","Exact missing authority or facts":"Applicable calendar and real triggering events","Next bounded permissible investigation":"Generic published calendar interpretation; no individual deadline"},"raw_table_index":12,"coordinator_acceptance":"scoped_coordinator_review_with_retained_holds_not_parent_acceptance","coordinator_review":{"reviewed_at":"2026-10-29T08:39:09.642740+00:00","identity":"delegated_coordinator_not_independent","all_original_gap_and_next_action_text_retained":true,"source_checks":"[internal evidence reference]"}},{"topic":"Other A011 dimensions","researcher_record":{"Assigned subquestion / major branch":"Other A011 dimensions","Coverage result":"Excluded by express parent holds","Claim/example links":"Section 8 below","Exact missing authority or facts":"All listed parent issues","Next bounded permissible investigation":"Separate focused assignment required; no closure inferred"},"raw_table_index":12,"coordinator_acceptance":"scoped_coordinator_review_with_retained_holds_not_parent_acceptance","coordinator_review":{"reviewed_at":"2026-10-29T08:39:09.642740+00:00","identity":"delegated_coordinator_not_independent","all_original_gap_and_next_action_text_retained":true,"source_checks":"[internal evidence reference]"}}],"annotations":{},"corrections":[],"resolved_corrections":[],"review_history":[{"id":"R011-P1-SCOPED-REVIEW","status":"scoped_coordinator_review_with_retained_validation_holds_not_parent_acceptance","at":null},{"id":"R011-P1-VALIDATION-CURRENTNESS","status":"validation_only_UNSENT_retained_hold_not_new_material_error","at":null},{"id":"R011-P1-VALIDATION-STAYCHAIN","status":"validation_only_UNSENT_retained_hold_not_new_material_error","at":null},{"id":"R011-P1-VALIDATION-MIXED-RETURNS","status":"validation_only_UNSENT_retained_hold_not_new_material_error","at":null},{"id":"R011-P1-VALIDATION-MODELS-PIXELS","status":"validation_only_UNSENT_retained_hold_not_new_material_error","at":null},{"id":"R011-P1-VALIDATION-NCUA-CEILING","status":"validation_only_UNSENT_retained_hold_not_new_material_error","at":null},{"id":"R011-P1-VALIDATION-FTC-XREF","status":"validation_only_UNSENT_retained_hold_not_new_material_error","at":null}]}