{"meta":{"key":"r013--pass-01","task":"R013","title":"First focused A013 component: federal HELOC draw restrictions, termination, and acceleration","parent_title":"Mortgages and home secured borrowing","edition":"pass-01","path":"/research/r013--pass-01/","kind":"split_pass","category":"subject","role":"primary_area","area_numbers":[13],"groups":["debt-types"],"date":"2026-10-27","tables":20,"claims":81,"sources":22,"review_status":"scoped_coordinator_review_complete_with_holds","review_complete":true,"sha256":"20ec60317b49831f48b3af0e877828dfc6a7a7c38c7499e813ca7a3b1e377dca","headings":["First focused A013 component: federal HELOC draw restrictions, termination, and acceleration","1. The distinctions that control this component","Currentness and status conventions","2. Source register","A. Statute, coverage, and core rule","B. Disclosures, notices, related definitions, and recordkeeping","C. Selected history, guidance status, and executive-officer branch","3. Atomic claim table","A. Coverage and product boundaries","B. Termination and acceleration","C. Draw freezes, limit reductions, duration, and reinstatement","D. Contractual changes, discretion, and rate conditions","E. Initial disclosures and later Regulation Z notices","F. Bounded Regulation B branch and payment consequences","G. Currentness, selected history, and source limits","4. Official significant-decline illustration","5. Timing and delivery: rule periods only","6. Clearly hypothetical qualitative failure branches","7. Blank generic document-audit worksheet","8. Granular coverage table","9. Read and failure log","10. Question → claim/source crosswalk","11. Self-check — not independent review","12. Specific parent holds"],"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":"R013/pass-01","facets":{"geography":["us","us-federal"],"debt_type":["heloc"],"stage":[],"subject":[]},"scope":"SettleADebt R013 PASS-01 — FIRST FOCUSED A013 COMPONENT: US FEDERAL HELOC DRAW FREEZES, CREDIT-LIMIT REDUCTIONS, TERMINATION AND ACCELERATION UNDER 12 CFR1026.40. Independently investigate generic published rules and official interpretations. No actual person, lender, loan, account, property, entity, license, case-record, docket-status or identifier query. No unreviewed R006/R008/R010/R012 or any other saved report is a foundation. Parent A013 includes first/second mortgages, HELOC/equity/reverse/manufactured-home/arrears/escrow/balloon/deficiency/loss-mitigation dimensions; preserve all unaddressed questions.","pending_corrections":0},"markdown":"# SettleADebt R013 PASS-01\n\n## First focused A013 component: federal HELOC draw restrictions, termination, and acceleration\n\n**Actual public-source check: October 27, 2026, America/Los_Angeles.**\n\n**The central distinction is established:** for a covered home-equity plan, Regulation Z separately regulates restrictions on future advances and early termination coupled with acceleration. A significant collateral-value decline, for example, can support a temporary draw restriction without supplying an acceleration ground. Conversely, the official interpretation permits a creditor with a valid termination-and-acceleration ground to choose a lesser action, including a temporary **or permanent** suspension of advances. Accordingly, “all freezes are temporary” would also be incorrect. These conclusions concern the federal rule’s conditions; they establish neither an actual default nor a right to foreclose. [ecfr.gov+2](https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-E/section-1026.40?utm_source=chatgpt.com)\n\nThis investigation uses primary material freshly retrieved in this conversation. No R006, R008, R010, R012, R003, other saved report, or prior-chat finding was used as a foundation. No person, lender, account, property, license, entity, case-record, or docket-status investigation was conducted. No subagent, browser control, records request, filing, contact, local deliverable, or publication was used. An unseen ChatGPT interface/model-selection label was not independently verified.\n\n**All conclusions below are generic and conditional.** Actual purpose, product structure, security, creditor status, agreement, dates, collateral values, financial changes, repayment history, alleged defaults, information available to the creditor, notices, reinstatement events, and applicable state law remain unknown.\n\n## 1. The distinctions that control this component\n\n| Situation | Federal provision being tested | What that provision can support | What it does not establish |\n| --- | --- | --- | --- |\n| An enumerated temporary restriction condition exists | §1026.40(f)(3)(vi)(A)–(F) | Prohibition of additional extensions or reduction of the credit limit while the qualifying condition exists | Automatic acceleration, payment forgiveness, foreclosure authority, or permanent cancellation |\n| The maximum APR is reached and the initial agreement reserves the response | §1026.40(f)(3)(i) | A freeze or reduction during that period | Acceleration merely because the cap was reached |\n| A valid ordinary termination ground exists | §1026.40(f)(2)(i)–(iv) | Early termination and demand for the outstanding balance, subject to other applicable requirements | Satisfaction of contractual, state-law, cure, insolvency, or enforcement prerequisites |\n| A valid termination ground exists, but a lesser action is selected | Comment 40(f)(2)-2 | Actions including temporary or permanent suspension, limit reduction, or specified changes discussed in the comment | Permission to use that exception when no termination ground exists |\n| A scheduled draw period ends under the original plan | Comments 40-4 and 40-5 | Operation of the originally agreed repayment phase, subject to applicable disclosures and substantive rules | Proof of an exceptional freeze, a new default, or an entitlement to renewal |\n| The transaction is a qualifying reverse mortgage | §§1026.33(a), 1026.40(f)(4) | The distinct reverse-mortgage termination framework | A blanket exemption from every part of §1026.40 or satisfaction of HUD/program protections |\n\nThe rule and interpretations support these distinctions directly. The distinction between a federal restriction condition and an enforceable foreclosure remedy is an analytical limit on this investigation, not a finding about any instrument or jurisdiction. [Consumer Financial Protection Bureau+3](https://www.consumerfinance.gov/rules-policy/regulations/1026/interp-40/?utm_source=chatgpt.com)\n\n### Currentness and status conventions\n\nThe eCFR page displayed Title 12 as updated through **October 23, 2026**. That is the compilation currency displayed on the page, not the effective date of §1026.40 or proof of a complete amendment audit through October 27. The House U.S. Code pages stated that their text incorporated laws in effect through **Public Law 119-120, October 7, 2026**. CFPB regulation pages described themselves as current, but that label is not a substitute for the enactment, effective-date, or session-law analysis. [ecfr.gov+2](https://www.ecfr.gov/current/title-12/chapter-X/part-1026/section-1026.40?utm_source=chatgpt.com)\n\n| Status category | Treatment in this report |\n| --- | --- |\n| **Current text inspected** | The eCFR §1026.40 body; CFPB regulatory text and necessary official interpretations, subject to the specific version discrepancy identified below |\n| **Historical** | The pre-November 7, 1989 transition provisions; the 2011 transfer/republication rule; the 2021 LIBOR rule and its compliance dates; the 2022 correction; the 2023 amendment’s adoption history |\n| **Proposed / discovery only** | Search results containing proposals, requests for information, historical versions, or unrelated part-wide changes were not treated as operative amendments |\n| **Future effective** | No future-effective change to the focused restriction provisions was established from the bodies relied on here. This is not a certification that no such change exists |\n| **Withdrawn** | The CFPB register lists the 2022 existing-credit-arrangements advisory and relevant adverse-action circulars as withdrawn. Their substantive guidance is not a foundation here |\n| **Repealed** | Withdrawal of those guidance documents was not treated as repeal of TILA, ECOA, Regulation Z, Regulation B, or their codified interpretations |\n| **Stayed / vacated** | No litigation-history or docket-status audit was conducted. This report makes no comprehensive “never stayed” or “never vacated” representation |\n| **Unknown / held** | Actual application; complete session-law lag audit; complete consolidated Supplement I comparison; state, contract, program, remedy, and parent questions |\n\n## 2. Source register\n\n**Register conventions.** Every source below was checked on **2026-10-27, America/Los_Angeles**, and concerns **United States federal law or federal publisher status**. “Fresh” means body material read during this investigation, not imported from a report. Repeated openings and mirrors are not independent corroboration. Sections of the same regulation and its official interpretation remain one regulatory framework.\n\nFor HTML sources, printed page and zero-based PDF index are **not applicable**, unless a Federal Register printed-page marker is expressly given. For PDFs, the identified reading was **parsed text**. **No PDF page images or form images were visually inspected.** A PDF’s availability or successful parsing is not a claim that every page was read.\n\n### A. Statute, coverage, and core rule\n\n| Source ID | Issuer / title / complete literal HTTPS URL | Exact provisions and read bounds | Version, effective predicate, and limits |\n| --- | --- | --- | --- |\n| **R013-P1-S001** | House Office of the Law Revision Counsel, **15 U.S.C. §1647, Home equity plans**. [https://uscode.house.gov/us/usc/119-120/t15/s1647/](https://uscode.house.gov/us/usc/119-120/t15/s1647/?utm_source=chatgpt.com) | Fresh HTML: subsections (a)–(e), source and amendment/effective-date notes. Especially (b), (c)(1)–(4). No PDF pages. | Compilation through Pub. L. 119-120, October 7, 2026. Statutory text, not regulatory commentary. No complete October 8–27 session-law audit. [uscode.house.gov+1](https://uscode.house.gov/us/usc/119-120/t15/s1647/?utm_source=chatgpt.com) |\n| **R013-P1-S002** | OLRC, **15 U.S.C. §1637a, Disclosure requirements for open end consumer credit plans secured by consumer’s principal dwelling**. [https://uscode.house.gov/us/usc/119-120/t15/s1637a/](https://uscode.house.gov/us/usc/119-120/t15/s1637a/?utm_source=chatgpt.com) | Fresh HTML: application-disclosure body, particularly (a)(5)–(8), (b)–(e), including the special definition in (d); effective-date notes. No PDF pages. | Same October 7 compilation limit. The special statutory treatment of second/vacation homes is confined to the provisions identified in (d); it does not redefine principal dwelling throughout Regulation Z. [uscode.house.gov+1](https://uscode.house.gov/us/usc/119-120/t15/s1637a/?utm_source=chatgpt.com) |\n| **R013-P1-S003** | OFR/GPO eCFR, **12 CFR §1026.40**. [https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-E/section-1026.40](https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-E/section-1026.40?utm_source=chatgpt.com). CFPB mirror: [https://www.consumerfinance.gov/rules-policy/regulations/1026/40/](https://www.consumerfinance.gov/rules-policy/regulations/1026/40/?utm_source=chatgpt.com) | Fresh: complete operative eCFR section, introduction and (a)–(h), with complete (f)(1)–(4). Selected mirror comparison. HTML; no PDF index. | eCFR Title 12 currency October 23, 2026. Section’s amendment citation lists 2011, 2021, and 2023 publications. eCFR describes itself as authoritative but unofficial, not the official legal CFR edition. [ecfr.gov+2](https://www.ecfr.gov/current/title-12/chapter-X/part-1026/section-1026.40?utm_source=chatgpt.com) |\n| **R013-P1-S004** | CFPB, **Official interpretations of §1026.40**. [https://www.consumerfinance.gov/rules-policy/regulations/1026/interp-40/](https://www.consumerfinance.gov/rules-policy/regulations/1026/interp-40/?utm_source=chatgpt.com). Attempted consolidated eCFR supplement: [https://www.ecfr.gov/current/title-12/chapter-X/part-1026/appendix-Supplement%20I%20to%20Part%201026](https://www.ecfr.gov/current/title-12/chapter-X/part-1026/appendix-Supplement%20I%20to%20Part%201026) | Fresh: general comments 40-1–7; necessary form, timing, third-party, and (d)(4) comments; 40(f)-1; complete relevant (f)(1), (f)(2), (f)(3) introductory, (i), (iii)–(vi) comments; selected (g) comments. LIBOR wording compared with S019. | CFPB page labeled current, but its displayed (f)(3)(ii) comments retain older ARRC/“1-year” wording. Updated 2023 text was read in S019 instead. Consolidated eCFR Supplement I retrieval failed because of response size. No full consolidated-supplement audit claimed. |\n| **R013-P1-S005** | CFPB, **§1026.1—Authority, purpose, coverage, organization, enforcement, and liability**. [https://www.consumerfinance.gov/rules-policy/regulations/1026/1/](https://www.consumerfinance.gov/rules-policy/regulations/1026/1/?utm_source=chatgpt.com) | Fresh: (b), (c)(1)–(3), necessary coverage interpretation. HTML; no pages. | Current agency presentation. General coverage and application-distributor extension examined; no independent audit of every special actor exclusion. [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/rules-policy/regulations/1026/1/?utm_source=chatgpt.com) |\n| **R013-P1-S006** | CFPB, **§1026.2—Definitions and rules of construction**. [https://www.consumerfinance.gov/rules-policy/regulations/1026/2/](https://www.consumerfinance.gov/rules-policy/regulations/1026/2/?utm_source=chatgpt.com) | Fresh: (a)(6), (10)–(15), (17), (19), (20), (25), necessary related comments; relevant distinction in (24); updated (28) also checked through S019. HTML; no pages. | Current agency presentation. Definitions read for this component; no consumer, creditor, security, or consummation fact established. [Consumer Financial Protection Bureau+4](https://www.consumerfinance.gov/rules-policy/regulations/1026/2/?utm_source=chatgpt.com) |\n| **R013-P1-S007** | CFPB, **§1026.3—Exempt transactions**. [https://www.consumerfinance.gov/rules-policy/regulations/1026/3/](https://www.consumerfinance.gov/rules-policy/regulations/1026/3/?utm_source=chatgpt.com) | Fresh: complete relevant (a), (b), business/organizational/trust and open-end threshold comments; comment 3(b)-3.xvii. HTML; no pages. | Current agency text specifies $73,400 for January 1–December 31, 2026. Amount exemption’s real-property/principal-dwelling exceptions are critical. Other exemption categories were not comprehensively investigated. [Consumer Financial Protection Bureau+3](https://www.consumerfinance.gov/rules-policy/regulations/1026/3/?utm_source=chatgpt.com) |\n\n### B. Disclosures, notices, related definitions, and recordkeeping\n\n| Source ID | Issuer / title / complete literal HTTPS URL | Exact provisions and read bounds | Version, effective predicate, and limits |\n| --- | --- | --- | --- |\n| **R013-P1-S008** | CFPB, **§1026.5—General disclosure requirements**. [https://www.consumerfinance.gov/rules-policy/regulations/1026/5/](https://www.consumerfinance.gov/rules-policy/regulations/1026/5/?utm_source=chatgpt.com) | Fresh: (a)(1), (b)(1)(i), (c), (d), necessary comments on writing, electronic delivery, initial timing, and multiple consumers. HTML. | Current presentation. No actual electronic-consent or delivery finding. [Consumer Financial Protection Bureau+2](https://www.consumerfinance.gov/rules-policy/regulations/1026/5/?utm_source=chatgpt.com) |\n| **R013-P1-S009** | CFPB, **§1026.6—Account-opening disclosures**, and separate interpretation page. [https://www.consumerfinance.gov/rules-policy/regulations/1026/6/](https://www.consumerfinance.gov/rules-policy/regulations/1026/6/?utm_source=chatgpt.com); [https://www.consumerfinance.gov/rules-policy/regulations/1026/interp-6/](https://www.consumerfinance.gov/rules-policy/regulations/1026/interp-6/?utm_source=chatgpt.com) | Fresh: (a)(3)(i)–(vii), (a)(4), comments 6(a)(3)-1–4 and relevant security comments. HTML. | Embedded comment 6(a)(3)-1 appeared as a placeholder; actual text recovered from the separate interpretation page. That particular retrieval gap was repaired. [Consumer Financial Protection Bureau+1](https://www.consumerfinance.gov/rules-policy/regulations/1026/6/?utm_source=chatgpt.com) |\n| **R013-P1-S010** | CFPB, **§1026.9—Subsequent disclosure requirements**. [https://www.consumerfinance.gov/rules-policy/regulations/1026/9/](https://www.consumerfinance.gov/rules-policy/regulations/1026/9/?utm_source=chatgpt.com) | Fresh: complete relevant (c)(1)(i)–(iii), comments 9(c)(1)-1–4, 9(c)(1)(i)-1–6, (ii)-1–3, and (iii)-1–2. HTML. | Current presentation includes the LIBOR margin-notice provision operative for notices on/after October 1, 2022. Non-home-secured card rules were not imported. [Consumer Financial Protection Bureau+2](https://www.consumerfinance.gov/rules-policy/regulations/1026/9/?utm_source=chatgpt.com) |\n| **R013-P1-S011** | CFPB, **§1026.30—Limitation on rates**. [https://www.consumerfinance.gov/rules-policy/regulations/1026/30/](https://www.consumerfinance.gov/rules-policy/regulations/1026/30/?utm_source=chatgpt.com) | Fresh: operative section and comments 1–12. HTML. | Lifetime contractual maximum-rate requirement and restrictions on changing the ceiling examined. No actual rate, usury, or renewal determination. [Consumer Financial Protection Bureau+1](https://www.consumerfinance.gov/rules-policy/regulations/1026/30/?utm_source=chatgpt.com) |\n| **R013-P1-S012** | CFPB, **§1026.33—Requirements for reverse mortgages**. [https://www.consumerfinance.gov/rules-policy/regulations/1026/33/](https://www.consumerfinance.gov/rules-policy/regulations/1026/33/?utm_source=chatgpt.com) | Fresh: complete (a) definition and necessary comments, including default treatment. HTML. | Classification boundary only. No comprehensive reverse-mortgage disclosure, HUD/HECM, spouse, servicing, or program analysis. [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/rules-policy/regulations/1026/33/?utm_source=chatgpt.com) |\n| **R013-P1-S013** | CFPB, **§1026.25—Record retention**. [https://www.consumerfinance.gov/rules-policy/regulations/1026/25/](https://www.consumerfinance.gov/rules-policy/regulations/1026/25/?utm_source=chatgpt.com) | Fresh: (a), (b), comments 25(a)-1–4. HTML. | General two-year evidence rule and HELOC-specific evidence comment. Other mortgage-retention regimes are held. [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/rules-policy/regulations/1026/25/?utm_source=chatgpt.com) |\n| **R013-P1-S014** | CFPB, **Regulation B §1002.2—Definitions**. [https://www.consumerfinance.gov/rules-policy/regulations/1002/2/](https://www.consumerfinance.gov/rules-policy/regulations/1002/2/?utm_source=chatgpt.com) | Fresh: (c)(1)–(3), (e), (f), (j), (l), (m), necessary interpretations. HTML. | Current presentation. Existing-account adverse-action branch bounded; complete origination and business-credit procedures not redone. [Consumer Financial Protection Bureau+1](https://www.consumerfinance.gov/rules-policy/regulations/1002/2/?utm_source=chatgpt.com) |\n| **R013-P1-S015** | CFPB, **Regulation B §1002.9—Notifications**. [https://www.consumerfinance.gov/rules-policy/regulations/1002/9/](https://www.consumerfinance.gov/rules-policy/regulations/1002/9/?utm_source=chatgpt.com) | Fresh: relevant (a)(1), (a)(2), (b), (d), (f), necessary comments including 9(b)(2)-9; business/incomplete-application provisions read only to bound adjacent branches. HTML. | Current presentation. Existing-account timing, content, reasons, oral exception, and multiple-applicant rules examined. FCRA not independently audited. [Consumer Financial Protection Bureau+2](https://www.consumerfinance.gov/rules-policy/regulations/1002/9/?utm_source=chatgpt.com) |\n| **R013-P1-S016** | CFPB, **Regulation B §1002.4—General rules**. [https://www.consumerfinance.gov/rules-policy/regulations/1002/4/](https://www.consumerfinance.gov/rules-policy/regulations/1002/4/?utm_source=chatgpt.com) | Fresh: (a), necessary comment, and (d) form/electronic disclosure provisions. HTML. | Current presentation. Independent nondiscrimination and disclosure duties; no actual discrimination or creditworthiness decision. [Consumer Financial Protection Bureau+1](https://www.consumerfinance.gov/rules-policy/regulations/1002/4/?utm_source=chatgpt.com) |\n\n### C. Selected history, guidance status, and executive-officer branch\n\n| Source ID | Issuer / title / complete literal HTTPS URL | Exact provisions, printed page, PDF index, and read bounds | Version, effective predicate, and limits |\n| --- | --- | --- | --- |\n| **R013-P1-S017** | CFPB/OFR, **Truth in Lending (Regulation Z), 2011 interim final rule**. [https://www.federalregister.gov/documents/2011/12/22/2011-31715/truth-in-lending-regulation-z](https://www.federalregister.gov/documents/2011/12/22/2011-31715/truth-in-lending-regulation-z?utm_source=chatgpt.com). Attempted official PDF: [https://www.govinfo.gov/content/pkg/FR-2011-12-22/pdf/2011-31715.pdf](https://www.govinfo.gov/content/pkg/FR-2011-12-22/pdf/2011-31715.pdf) | Fresh HTML: action, summary, Dates, transfer/republication explanation; selected §40 material. Printed start **76 FR 79768**; eCFR source citation **79772**. PDF retrieval failed; no PDF index read. | Published December 22, 2011; effective **December 30, 2011**. Historical republication, subsequently amended. HTML is the publisher’s XML rendition, not the official legal PDF. No full-document read claimed. |\n| **R013-P1-S018** | CFPB/OFR/GPO, **Facilitating the LIBOR Transition (Regulation Z), 2021 final rule**. [https://www.federalregister.gov/documents/2021/12/08/2021-25825/facilitating-the-libor-transition-regulation-z](https://www.federalregister.gov/documents/2021/12/08/2021-25825/facilitating-the-libor-transition-regulation-z?utm_source=chatgpt.com); [https://www.govinfo.gov/content/pkg/FR-2021-12-08/pdf/2021-25825.pdf](https://www.govinfo.gov/content/pkg/FR-2021-12-08/pdf/2021-25825.pdf?utm_source=chatgpt.com) | Fresh HTML: Dates and selected HELOC/index/notice discussion. Official PDF parsed first-page text, **printed 69716, zero-based index 0**. No claim to reading all 85 PDF pages. | Effective **April 1, 2022**, except identified Appendix H amendment effective **October 1, 2023**. Mandatory §9 change-notice compliance **October 1, 2022**; other provisions April 1, 2022. Historical text must be read with S019 and S021. [federalregister.gov+1](https://www.federalregister.gov/documents/2021/12/08/2021-25825/facilitating-the-libor-transition-regulation-z?utm_source=chatgpt.com) |\n| **R013-P1-S019** | CFPB/OFR/GPO, **Facilitating the LIBOR Transition Consistent With the LIBOR Act, 2023 interim final rule**. [https://www.federalregister.gov/documents/2023/05/11/2023-09129/facilitating-the-libor-transition-consistent-with-the-libor-act-regulation-z](https://www.federalregister.gov/documents/2023/05/11/2023-09129/facilitating-the-libor-transition-consistent-with-the-libor-act-regulation-z?utm_source=chatgpt.com); [https://www.govinfo.gov/content/pkg/FR-2023-05-11/pdf/2023-09129.pdf](https://www.govinfo.gov/content/pkg/FR-2023-05-11/pdf/2023-09129.pdf?utm_source=chatgpt.com) | Fresh HTML: Dates; amendments to §2(a)(28), §40(f)(3)(ii)(B); complete revised §40(f)(3)(ii), (A), (B) comments. Printed **30598, 30622, 30625–30628**. PDF parsed checks: index **0**, **24**, and portions of **27–30** covering those provisions; not every intervening PDF line independently re-read. | Effective **May 15, 2023**; comment deadline June 12, 2023 was not an effective-date delay. An **interim final rule**, not merely a proposal. Updated terminology and 12-month branch used to address S004’s mismatch. [federalregister.gov+7](https://www.federalregister.gov/documents/2023/05/11/2023-09129/facilitating-the-libor-transition-consistent-with-the-libor-act-regulation-z?utm_source=chatgpt.com) |\n| **R013-P1-S020** | CFPB, **Withdrawn Guidance register**. [https://www.consumerfinance.gov/compliance/guidance/withdrawn-guidance/](https://www.consumerfinance.gov/compliance/guidance/withdrawn-guidance/?utm_source=chatgpt.com) | Fresh HTML: relevant advisory-opinion and circular entries, including existing-account revocations and adverse-action guidance; read relevant register portion, not every entry. No PDF pages. | Relevant entries list withdrawal on **May 12, 2025**. Used for publisher status only. No circular, bulletin, or advisory supplies a substantive conclusion here. [Consumer Financial Protection Bureau+1](https://www.consumerfinance.gov/compliance/guidance/withdrawn-guidance/?utm_source=chatgpt.com) |\n| **R013-P1-S021** | CFPB/OFR, **Facilitating the LIBOR Transition; Correction**. [https://www.federalregister.gov/documents/2022/02/16/2022-03344/facilitating-the-libor-transition-regulation-z-correction](https://www.federalregister.gov/documents/2022/02/16/2022-03344/facilitating-the-libor-transition-regulation-z-correction) | Fresh complete relevant HTML body: summary, Dates, corrections to two preamble footnotes. **87 FR 8733**. PDF not opened; index not applicable. | Effective **February 16, 2022**. Corrects hyperlinks/document reference in the 2021 preamble, not the focused freeze grounds. [federalregister.gov](https://www.federalregister.gov/d/2022-03344?utm_source=chatgpt.com) |\n| **R013-P1-S022** | Federal Reserve/OFR/GPO, **12 CFR §215.5—Additional restrictions on loans to executive officers of member banks**. [https://www.ecfr.gov/current/title-12/chapter-II/subchapter-A/part-215/section-215.5](https://www.ecfr.gov/current/title-12/chapter-II/subchapter-A/part-215/section-215.5?utm_source=chatgpt.com) | Fresh complete section, particularly opening scope and (d)(4), with (c) read for the cross-reference. HTML. | eCFR currency October 23, 2026. Bounded example of a particular federal written demand-condition requirement. Not a complete Regulation O analysis or an actual executive-officer determination. [ecfr.gov+1](https://www.ecfr.gov/current/title-12/chapter-II/subchapter-A/part-215/section-215.5?utm_source=chatgpt.com) |\n\n## 3. Atomic claim table\n\n**Reference convention:** C001 means **R013-P1-C001**, S001 means **R013-P1-S001**, and E001 means **R013-P1-E001**.\n\n**Status convention:** **R** = regulatory text as inspected; **I** = official interpretation; **S** = statutory text; **H** = historical/effective-date proposition; **INF** = stated analytical inference; **OBS** = observed source condition; **U** = actual application unknown. “Current” always carries the source-register currency limits.\n\n### A. Coverage and product boundaries\n\n| Claim ID | Area and precise claim | Trigger, conditions, and exceptions | Source pinpoint | Status / limits |\n| --- | --- | --- | --- | --- |\n| **R013-P1-C001** | §1026.40 is a rule for qualifying **open-end consumer credit plans secured by a consumer’s dwelling**. Home collateral alone is insufficient. | Apply general §1(c) coverage, relevant definitions, exemptions, and §40’s plan/security requirements together. Section 1(c) also recognizes specified special coverage and actor exclusions. | S003 introductory text; S004 comment 40-1; S005 §1(c)(1)–(3). | R/I; U. No product inferred from its marketing name. |\n| **R013-P1-C002** | Consumer credit principally concerns personal, family, or household purposes. | §2(a)(11) defines consumer; §2(a)(12) supplies the purpose test. Ordinary guarantors/sureties are not automatically consumers under that definition; rescission and trust rules have separate qualifications. | S006 §§2(a)(11)–(12), comments 2(a)(11)-1–3, 2(a)(12)-1. | R/I; U. No universal mechanical primary-purpose test. |\n| **R013-P1-C003** | The ordinary Regulation Z creditor test requires regular consumer-credit extension and initial-payee status, with the finance-charge/installment condition. | §2(a)(17)(i), (v): generally more than 25 extensions, or more than 5 dwelling-secured extensions, in the preceding calendar year; current-year test if the preceding-year test was not met. Separate high-cost and card-issuer provisions exist. Open-end counting concerns accounts, not every draw. | S006 §2(a)(17)(i), (iii)–(v), related comments. | R/I; U. No actor, volume, high-cost status, or payee finding. |\n| **R013-P1-C004** | Open-end classification requires all three features in §2(a)(20). | Repeated transactions reasonably contemplated; potential periodic finance charge on an outstanding balance; credit generally replenishes as balances are repaid. Labels and multiple advances alone do not suffice. Requiring a fresh credit application for each draw can contradict this structure; permitted verification is distinct. | S006 §2(a)(20)(i)–(iii), comments 1–6; §2(a)(10). | R/I; U. A closed-end home-equity loan is outside this §40 plan framework. |\n| **R013-P1-C005** | A qualifying dwelling need not be the principal dwelling or a first-lien residence. | §2(a)(19) covers a one-to-four-unit residential structure and specified residential units/mobile structures. Boats, mobile homes, and trailers used as residences can qualify; recreational use alone does not. Section 1637a(d) specially includes second/vacation homes for the listed statutory provisions. | S006 §2(a)(19), comments 1–3; S004 comment 40-1; S002 §1637a(d). | R/I/S; U. Principal-dwelling rules for rescission or other products are not imported. |\n| **R013-P1-C006** | Security must be established under the applicable definition and law. | §2(a)(25) requires a legally recognized interest securing performance; it excludes specified incidental interests, including proceeds, accessions, fixtures, insurance proceeds, premium rebates, and after-acquired-property interests. Operation-of-law interests have provision-specific treatment. A dragnet clause can bring later open-end credit within §40 unless effectively waived. | S006 §2(a)(25), comments 1–5; S004 comment 40-6. | R/I; U. Regulation Z does not itself create or validate a lien. |\n| **R013-P1-C007** | Primarily business, commercial, or agricultural credit is excluded by §3(a)(1). | The actual primary purpose controls; taking a home as collateral does not turn business credit into consumer credit. Mixed-purpose evaluation is factual. | S007 §3(a)(1), comments 3(a)-1–8; S006 §2(a)(12). | R/I; U. Business-credit rules under other laws remain separate. |\n| **R013-P1-C008** | Organizational credit generally is excluded, subject to the specific consumer-substance trust interpretations. | A natural-person guaranty or dwelling collateral does not alone defeat §3(a)(2). Tax/estate-planning trusts and described land trusts require the analysis in comments 3(a)-9–10. | S007 §3(a)(2), comments 9–10; S006 comment 2(a)(11)-3. | R/I; U. No entity or trust classification undertaken. |\n| **R013-P1-C009** | The amount exemption does **not** apply to credit secured by real property or by personal property used or expected as the principal dwelling. | For potentially exempt nonprincipal-dwelling personal-property credit, §3(b)’s open-end initial-extension/firm-written-commitment conditions matter. The displayed 2026 threshold is **$73,400**, January 1–December 31, 2026; later commitment changes can matter under the comments. | S007 §3(b); comments 3(b)-3.xvii and -4. | R/I; U. No actual amount test or future-year threshold determination. |\n| **R013-P1-C010** | Card access does not convert a HELOC into the defined non-home-secured credit-card account. | §2(a)(15)(ii)(A) expressly excludes a HELOC subject to §40 that is accessed by a credit card from that defined account category. | S006 §2(a)(15)(ii)(A); S010 §9(c)(1). | R; U. The non-home-secured card notice regime is not automatically applicable. |\n| **R013-P1-C011** | Historical plan dates can determine §40 applicability. | Comment 40-3 excludes plans entered before **November 7, 1989**, including the original consumer’s later renewals. Adding dwelling security on/after that date to an older line brings the substantive restrictions into play for the remainder, without new §40 disclosures. Consummation is contractual obligation under applicable law. | S004 comment 40-3; S006 §2(a)(13), comment 1. | I/H; U. Actual agreement, security-addition, and consummation dates held. |\n| **R013-P1-C012** | An originally agreed repayment phase remains subject to applicable open-end requirements. | Original repayment/fixed-conversion terms are disclosed under the open-end framework; §40(f) continues during the repayment phase. Ending scheduled draws is distinct from imposing a new exceptional freeze. | S004 comments 40-4 and 40-5.i. | I; U. No promised renewal or continued draw availability. |\n| **R013-P1-C013** | A later repayment agreement can create a closed-end transaction for the affected balance. | If repayment replenishes available credit, the open-end framework continues. If a new agreement provides repayment without replenishment, closed-end disclosures apply to that new transaction; remaining open-end credit retains its rules. | S004 comment 40-5.ii–iii. | I; U. A fixed rate alone does not decide the classification. |\n| **R013-P1-C014** | Reverse mortgages are not categorically outside every part of §40. | §33(a) defines a qualifying nonrecourse consumer obligation secured consensually by the principal dwelling, with advances and repayment tied, except for default, to specified death/transfer/occupancy events. An open-end reverse structure can remain a §40 plan. | S012 §33(a), comments; S003 §40(f)(2), (4); S018 printed 69716 n.2. | R/I; U. Closed-end reverse and program-specific branches remain distinct. |\n| **R013-P1-C015** | Qualifying reverse-mortgage early termination uses §40(f)(4). | Enumerated grounds: default; title transfer; cessation of use as the primary dwelling; death. “Default” is not independently defined into a universal federal deadline here. | S003 §40(f)(4)(i)–(iv); S012 §33(a), default comment. | R/I; U. HUD/HECM, spouse, cure, occupancy exceptions, and other law held. |\n| **R013-P1-C016** | §40(f) reaches contract language and conduct by the original creditor, assignee, and holder. | Applies during draw/repayment periods and renewals/modifications. For post-November 7, 1989 plans, a renewal at/before expiration by written agreement differs from a renewal after scheduled expiration, which is a new plan under comment 40-2. | S004 comments 40(f)-1 and 40-2. | I; U. No ownership, assignment, renewal, or maturity facts established. |\n\n### B. Termination and acceleration\n\n| Claim ID | Area and precise claim | Trigger, conditions, and exceptions | Source pinpoint | Status / limits |\n| --- | --- | --- | --- | --- |\n| **R013-P1-C017** | Ordinary early termination plus acceleration is limited to §40(f)(2)’s four grounds. | Fraud/material misrepresentation; repayment failure; consumer action/inaction adversely affecting security or security rights; the specified federal executive-officer demand-condition branch. Reverse transactions use (f)(4). | S003 §40(f)(2); S004 comment 40(f)(2)-1; S001 §1647(b). | R/I/S; U. Statute lists three ordinary grounds; the fourth is in the regulation. General demand-at-will and rate-cap acceleration clauses are not permitted. |\n| **R013-P1-C018** | Fraud or **material** misrepresentation must be attributable to the consumer and connected with the plan. | Can occur in application, draw, or repayment phases; omissions as well as affirmative acts may qualify. Applicable state law determines fraud/misrepresentation and any necessary intent. | S003 §40(f)(2)(i); S004 comment 40(f)(2)(i)-1. | R/I; U. An innocent or immaterial inaccuracy is not automatically this ground. |\n| **R013-P1-C019** | The repayment ground requires actual failure to make payments under the agreement. | The comment expressly rejects acceleration merely because a payment was mistakenly sent to a branch rather than the main office. | S003 §40(f)(2)(ii); S004 comment 40(f)(2)(ii)-1. | R/I; U. Actual amount, receipt, due date, application, and payment compliance held. |\n| **R013-P1-C020** | This repayment provision does not supply a universal cure period or override other-law duties. | Bankruptcy supports this particular acceleration branch only when repayment terms are not met. State or other law requiring cure notice or another prerequisite is preserved. | S004 comment 40(f)(2)(ii)-1. | I; U. No bankruptcy-stay, discharge, cure, or enforcement conclusion. |\n| **R013-P1-C021** | Security-based acceleration requires the rule’s adverse-security connection. | Consumer action/inaction must adversely affect the security or rights in it. The comment says third-party acts do not, **in themselves**, suffice. | S003 §40(f)(2)(iii); S004 comment 40(f)(2)(iii)-1. | R/I; U. General market decline is not silently substituted for consumer conduct. |\n| **R013-P1-C022** | The official security examples must be preserved with their qualifications. | Listed examples include unpermitted transfer/sale, failure of required insurance or taxes, permitting a senior lien, sole obligor’s death, eminent-domain taking, and prior-lien foreclosure. By contrast, judgment, waste, destructive use/maintenance failure, one of two obligors’ death, or moving out require the specified adverse-security effect; illegal use is illustrated where it exposes the property to seizure. | S004 comment 40(f)(2)(iii)-2.i–ii. | I; U. The express eminent-domain/foreclosure examples coexist with the third-party limitation; they do not authorize expansion to every third-party event. |\n| **R013-P1-C023** | The executive-officer branch requires a specifically applicable federal requirement and an initial-agreement provision. | §40(f)(2)(iv) is not a general employee or bank-policy exception. As a bounded example, §215.5(d)(4) requires specified member-bank executive credit to carry a written demand condition tied to outside-bank indebtedness exceeding the applicable category amount. | S003 §40(f)(2)(iv); S022 opening scope, (c), (d)(4). | R; U. Institution type, officer status, applicable category, outside indebtedness, and contract all held. |\n| **R013-P1-C024** | A valid acceleration event permits specified lesser actions instead. | Comment 40(f)(2)-2 includes temporary/permanent suspension, limit reduction, payment-term changes, or a fee; higher rates/fees can be provided for in the agreement in those circumstances. Delayed action requires a qualifying termination condition to exist when the later action is taken. | S004 comment 40(f)(2)-2. | I; U. This exception cannot be invoked solely because an ordinary temporary-freeze ground exists. Other law and applicable notices remain separate. |\n\n### C. Draw freezes, limit reductions, duration, and reinstatement\n\n| Claim ID | Area and precise claim | Trigger, conditions, and exceptions | Source pinpoint | Status / limits |\n| --- | --- | --- | --- | --- |\n| **R013-P1-C025** | §40(f)(3)(vi) enumerates six temporary restriction grounds. | The exact grounds are addressed in C027–C034. Additional relevant routes are the reserved maximum-rate condition, a valid (f)(2) lesser action, or a proper specific consumer agreement/request. | S003 §40(f)(3)(i), (iii), (vi); S004 comments 40(f)(3)(vi)-1, -5. | R/I; U. No residual “creditor discretion” ground. |\n| **R013-P1-C026** | Limit-reduction authority cannot be used to force a higher payment by setting the limit below the outstanding balance. | The prohibition applies where the below-balance reduction would require the consumer to make a higher payment. | S004 comment 40(f)(3)(vi)-1. | I; U. No actual balance, limit, or payment calculation. |\n| **R013-P1-C027** | Collateral value must actually decline significantly below the appraisal value used for the plan. | A new appraisal is not mandatory under this provision, but the significant decline must occur before suspension. A general market concern is not the stated factual condition. | S003 §40(f)(3)(vi)(A); S004 comment 40(f)(3)(vi)-6. | R/I; U. No valuation method or actual property value approved. |\n| **R013-P1-C028** | The official illustration measures erosion of the initial equity cushion beyond the full line. | A reduction by half of the initial difference between available equity and the credit limit is sufficient in the comment. Significance otherwise varies with circumstances. | S004 comment 40(f)(3)(vi)-6. | I; U. Not a universal 50% property-price decline, 10% decline, or utilization test. |\n| **R013-P1-C029** | Financial deterioration requires two linked conditions. | There must be a material financial change **and**, because of it, a reasonable belief of inability to fulfill the plan’s repayment obligations. A substantial income decline is an example. Specific evidence such as failure to pay other debts may, but need not, be used. The comment separately identifies bankruptcy as permitting restriction under this branch. | S003 §40(f)(3)(vi)(B); S004 comment 40(f)(3)(vi)-7. | R/I; U. No particular report, score cutoff, income percentage, or individualized ability finding. |\n| **R013-P1-C030** | A score change or policy concern alone does not establish the two-part financial-change test. | The information must support the required material change and resulting reasonable belief, or another independently applicable ground. | C029; S004 comments 40(f)(3)(i)-2 and 40(f)(3)(vi)-1, -7. | **INF**; U. No categorical rule that a score can never be relevant. |\n| **R013-P1-C031** | Material-obligation default is its own restriction ground. | The obligation must be material and under the agreement. Comments permit specified events such as moving out or an intervening lien taking priority over future advances. Section 1647(c)(3) calls for a list of categories deemed material upon request and at agreement opening. | S003 §40(f)(3)(vi)(C); S004 comment -8; S001 §1647(c)(3). | R/I/S; U. A minor breach is not automatically material; this ground is not automatically an acceleration ground. |\n| **R013-P1-C032** | Government action preventing the agreed APR can support a temporary restriction. | The action must preclude imposition of the agreed APR. The comment’s example is an enacted state usury law that does so. | S003 §40(f)(3)(vi)(D); S004 comment -9. | R/I; U. Profitability, internal pricing preference, or a merely proposed law is insufficient on this rationale. |\n| **R013-P1-C033** | The government-priority ground has a specific causation and numerical condition. | Government action must adversely affect priority so that the value of the creditor’s security interest is **less than 120% of the credit line**. | S003 §40(f)(3)(vi)(E); S001 §1647(c)(2)(E)(ii). | R/S; U. This is not a universal loan-to-value ratio or a rule requiring 20% homeowner equity. |\n| **R013-P1-C034** | The unsafe-and-unsound ground requires notification from the creditor’s regulatory agency. | The notification must state that continued advances constitute an unsafe and unsound practice. | S003 §40(f)(3)(vi)(F). | R; U. An internal risk memorandum is not the stated agency notification. |\n| **R013-P1-C035** | Reaching the maximum APR supports restriction only through the specified initial contractual reservation. | The initial agreement must reserve freeze/reduction during the period the maximum is reached. | S003 §40(f)(3)(i); S004 comments 40(f)(3)(i)-1, 40(f)(2)-1. | R/I; U. Reaching the cap does not itself permit acceleration. |\n| **R013-P1-C036** | The ordinary temporary restriction must end when its supporting condition ends, absent another qualifying condition. | Credit privileges must be restored as soon as reasonably possible under the applicable reinstatement process. | S004 comments 40(f)(3)(vi)-2, -4. | I; U. Distinguish the valid-(f)(2) permanent-suspension alternative and an expired scheduled draw period. |\n| **R013-P1-C037** | The creditor can monitor or use the properly noticed consumer-request alternative. | Monitoring frequency must be adequate for the particular condition. Alternatively, §9(c)(1)(iii) notice may shift the duty to request reinstatement to the consumer; a writing requirement must be disclosed. On request, investigation must be prompt; under that alternative investigation is required upon request. | S004 comment 40(f)(3)(vi)-4; S010 comment 9(c)(1)(iii)-1. | I; U. No fixed 30-day reinstatement investigation period is supplied here. |\n| **R013-P1-C038** | Reinstatement investigation fees are narrowly limited. | If state law permits, only bona fide, reasonable appraisal/credit-report fees actually incurred in investigating continued existence of the condition may be collected. No reinstatement fee may be imposed once the condition is determined not to exist. | S004 comment 40(f)(3)(vi)-3. | I; U. No blanket administrative, processing, or reopening fee authorization. |\n| **R013-P1-C039** | A specific consumer-requested suspension has a separate reinstatement rule. | Reinstate on later request unless another ground exists. With multiple obligated consumers who can draw, the agreement may permit any to stop advances; the creditor may require all obligated persons to request reinstatement. | S004 comment 40(f)(3)(vi)-5. | I; U. No joint-party instructions or consent inferred. |\n| **R013-P1-C040** | General evidence-retention duties exist, but the rule does not prescribe a universal new-appraisal dossier. | §25(a) generally requires compliance evidence for two years after required disclosure/action, with agency extension possible. Comments cover evidence of actions and permit accurate reconstruction; the HELOC comment identifies written procedures and sample disclosure/contract as adequate evidence. | S013 §25(a), comments 1–4; C027. | R/I; U. No consumer document-demand right or case-specific evidentiary sufficiency finding established. |\n\n### D. Contractual changes, discretion, and rate conditions\n\n| Claim ID | Area and precise claim | Trigger, conditions, and exceptions | Source pinpoint | Status / limits |\n| --- | --- | --- | --- | --- |\n| **R013-P1-C041** | The general term-change prohibition reaches all plan features, not only required disclosures. | Ordinarily no new/increased fee, including a third-party fee, after opening. The comment separately permits passing through taxes and specified insurance-premium increases where the cited finance-charge exclusions apply. | S003 §40(f)(3); S004 comments 40(f)(3)-1–2; S001 §1647(c)(1). | R/I/S; U. Complete fee/APR/insurance classification is held. |\n| **R013-P1-C042** | An initial event-based change must specify both event and response. | General reservations to change any term are insufficient. The contract cannot substitute an expressly disallowed response—such as a margin increase for material financial deterioration or a freeze for insignificant value decline. | S004 comments 40(f)(3)(i)-1–2. | I; U. A signed boilerplate clause is not independent federal authority. |\n| **R013-P1-C043** | A change may unequivocally benefit the consumer throughout the remaining plan. | Additional options can be offered while existing options remain. The comment also permits temporary rate/fee reductions, with possible notice when original terms resume. | S003 §40(f)(3)(iv); S004 comment 40(f)(3)(iv)-1; S001 §1647(c)(4). | R/I/S; U. A creditor’s characterization of a restriction as beneficial is not dispositive. |\n| **R013-P1-C044** | Insignificant operational changes are permitted; substantive fee increases are not thereby permitted. | Examples include specified minor billing/index-measurement changes, subject to the comment’s qualifications; changing a late fee is not an insignificant change. | S003 §40(f)(3)(v); S004 comments 40(f)(3)(v)-1–2. | R/I; U. No actual operational change assessed. |\n| **R013-P1-C045** | A specified change may be made through specific written agreement at the time of change. | Continued account use is not assumed written consent. Even mutual agreement cannot authorize forbidden future index control or extra acceleration events. A new agreed limit does not confer unrestricted future reduction discretion. | S003 §40(f)(3)(iii); S004 comments 40(f)(3)(iii)-1–2. | R/I; U. Actual agreement and electronic-signature validity held. |\n| **R013-P1-C046** | Variable-rate changes ordinarily require a public index outside the creditor’s control. | The creditor’s own prime/cost-of-funds discretion is insufficient. A published prime rate can qualify even if the creditor contributes to it. Specifically agreed stepped/preferred-rate changes are separately recognized. | S003 §40(f)(1); S004 comments 40(f)(1)-1–3; S001 §1647(a). | R/I/S; U. No actual index or margin approved. |\n| **R013-P1-C047** | The general unavailable-index replacement route has cumulative conditions. | Original index unavailable; replacement historical fluctuations substantially similar; replacement index plus margin produces a substantially similar APR at unavailability. A newly established index lacks the history requirement but retains the rate comparison. Updated LIBOR comments specify comparison dates, including the prior common publication day where applicable and the Board-selected exception. | S003 §40(f)(3)(ii)(A); S019 comments 40(f)(3)(ii)(A)-1–3. | R/I; U. No free-standing repricing power or actual benchmark computation. |\n| **R013-P1-C048** | The LIBOR-specific route carries its own date predicates. | §40(f)(3)(ii)(B) permits qualifying replacement on/after **April 1, 2022**. It uses **October 18, 2021** comparison values, or generally the next common publication day if needed; the Board-selected 1-, 3-, 6-, or 12-month replacement exception uses **June 30, 2023** LIBOR and the replacement’s first publication value. Newly established-index and similar-APR conditions remain. | S003 §40(f)(3)(ii)(B); S019 operative amendment, printed 30622. | R/H; U. These benchmark dates are not consumer payment or cure deadlines. |\n| **R013-P1-C049** | Updated replacement comments contain specified similarity determinations while preserving contract limits. | Specified published-prime replacements and Board-selected replacements receive the stated historical-fluctuation treatment. Board-selected replacement with the unchanged margin receives the stated rate-comparison treatment. Under the (B) comment, the relevant prior margin is determined immediately before the replacement notice; equality on the effective day is not required. Neither route excuses contractual noncompliance. | S019 comments 40(f)(3)(ii)-1, (A)-2–3, (B)-1–3, printed 30625–30628. | I; U. Updated 2023 text used, not stale wording in S004. |\n| **R013-P1-C050** | Covered variable-rate dwelling credit must state a lifetime maximum interest rate in the contract. | §30 and its comments govern; increasing a credit limit or entering repayment does not itself permit raising the ceiling. Specified initial terms, qualifying new obligations, and renewal circumstances require their own analysis. | S011 §30 and comments, especially 11–12; S003 §40(d)(12)(ix), (f)(3)(i). | R/I; U. This is not a universal federal usury ceiling. |\n\n### E. Initial disclosures and later Regulation Z notices\n\n| Claim ID | Area and precise claim | Trigger, conditions, and exceptions | Source pinpoint | Status / limits |\n| --- | --- | --- | --- | --- |\n| **R013-P1-C051** | Early application disclosures identify possible creditor actions, but can offer the detailed conditions on request. | §40(d)(4) requires the possible termination/acceleration, freeze/reduction, and specified-change statements; the conditions may be supplied instead of the on-request statement. | S003 §40(d)(4)(i)–(iii); S004 related comments; S002 §1637a(a)(7). | R/I/S; U. Disclosure of a possibility is not proof that its condition occurred. |\n| **R013-P1-C052** | Account-opening disclosures require the actual list of applicable restriction/change conditions. | §6(a)(3)(i) and comment 1 require the list; it must be retainable. A highlighted contract or substantially similar regulatory description can serve as specified. The executive-officer condition in (f)(2)(iv) need not be stated under the cited disclosure comment. | S009 §6(a)(3), comments 1–4; S004 comment 40(d)(4)(iii)-1; S008 §5(a)(1), (b)(1)(i). | R/I; U. Before-first-transaction/obligation timing must be applied to actual events. |\n| **R013-P1-C053** | Application disclosures and brochure generally accompany provision of the application. | §40(b) allows the specified three-business-day mail/delivery alternative after receipt for telephone, publication, and intermediary applications. Denial or withdrawal within that permitted interval has the comment’s exception. | S003 §40(a)–(b), (e); S004 comments 40(b)-1–6. | R/I; U. Complete origination timing is outside this component. |\n| **R013-P1-C054** | Certain noncreditor application distributors have their own duties. | They provide the brochure and the plan disclosures when they have them; they need not obtain or create the creditor’s disclosures. The comment allocates these third-party duties separately. | S003 §40(c); S004 comment 40(c)-1; S005 §1(c)(3). | R/I; U. No distributor or agency relationship assumed. |\n| **R013-P1-C055** | Early §40 disclosures have specific written/electronic presentation rules. | Clear, conspicuous writing and applicable grouping/segregation rules apply. Electronic application access requires electronic provision on/with the application as specified; this stage has the stated E-Sign exception. | S003 §40(a)(1)–(3); S004 comments 40(a); S008 §5(a)(1)(iii). | R/I; U. This exception does not automatically govern later restriction notices. |\n| **R013-P1-C056** | A disclosed application-terms availability period is not a personal cure deadline or credit promise. | §40(d)(2)(i) permits a date or determinable period for obtaining disclosed terms and permits disclosure that terms may change. It does not require the creditor to guarantee all terms. | S003 §40(d)(2); S004 comments 40(d)(2)(i)-1–2. | R/I; U. No actual calendar calculation or availability assurance. |\n| **R013-P1-C057** | Covered (f)(3)(i)/(vi) restrictions require a written notice within **three business days after** action. | Creditor must mail or deliver notice to affected consumers, stating specific reasons. This is a post-action outer timing rule, not a universal advance waiting period. | S010 §9(c)(1)(iii). | R; U. No actual mailing, delivery, or deadline determination. |\n| **R013-P1-C058** | The restriction notice must disclose a consumer reinstatement-request requirement. | If reinstatement must be requested, say so; if the request must be written, the notice must also say so. | S010 §9(c)(1)(iii), comment 1; S004 comment 40(f)(3)(vi)-4. | R/I; U. A request requirement is not inferred from silence. |\n| **R013-P1-C059** | The (f)(2) lesser-action freeze has a specific §9(c)(1)(iii) notice exception. | Comment 9(c)(1)(iii)-2 says notice under **that paragraph** is unnecessary when freezing/reducing instead of otherwise permitted termination and acceleration. | S010 comment 9(c)(1)(iii)-2; C024. | I; U. Does not excuse Regulation B, another term-change notice, contract, or state law. |\n| **R013-P1-C060** | Other covered term changes normally use the **15-day advance** rule. | §9(c)(1)(i) applies to changes in §6(a) terms or increased minimum payments. For agreed changes, its text removes the 15-day requirement but says notice before effectiveness. Comment 3 permits delivery as late as effectiveness in its specified default-charge or particular agreed-change circumstances. | S010 §9(c)(1)(i), comments 2–3, 6. | R/I; U. The text/comment timing distinction is preserved; no universal advance-notice waiver inferred. |\n| **R013-P1-C061** | Notice exceptions must be read with the express freeze-notice requirement. | Specified initially disclosed changes, charge reductions, and court-proceeding agreements have stated exceptions. General examples mentioning credit-limit/suspension changes do not erase §9(c)(1)(iii). On/after **October 1, 2022**, LIBOR margin reductions are not exempt from the specified replacement notice. | S010 comments 9(c)(1)-1; §9(c)(1)(ii)–(iii), comment (ii)-3. | R/I; U. No notice exception supplies substantive restriction authority. |\n| **R013-P1-C062** | Later written Regulation Z notices can be electronic only under applicable electronic-delivery requirements. | General §5(a)(1)(iii) treatment includes E-Sign consent/other applicable requirements; the early §40 exception cannot simply be transplanted. | S008 §5(a)(1)(iii); S010 §9(c)(1)(iii). | R; U. No consent, delivery medium, or receipt facts. |\n| **R013-P1-C063** | “Business day” here uses the creditor-business-functions definition. | For these §40/§9 requirements, §2(a)(6)’s general definition concerns days when offices are open for substantially all business functions. The special all-calendar-days-except-Sundays/holidays definition applies only to its enumerated provisions. | S006 §2(a)(6), comments. | R/I; U. No automatic weekend/holiday count. |\n| **R013-P1-C064** | Recipient analysis must combine the specific affected-consumer rule with general multiple-consumer rules. | Section 9 speaks to affected consumers; §5(d) generally permits disclosure to a primarily liable consumer when multiple consumers exist, with separate rescission treatment. | S010 §9(c)(1); S008 §5(d). | R; U. No conclusion about any actual co-obligor’s notice entitlement. |\n| **R013-P1-C065** | Notice compliance and restriction authority are separate inquiries. | A timely, accurate letter can still describe an unsupported restriction; a valid substantive ground can still be accompanied by a notice defect. State/instrument enforceability is another inquiry. | S003 §40(f); S010 §9(c)(1), comment 9(c)(1)-2. | **INF**; U. No “notice legalizes the action” conclusion. |\n\n### F. Bounded Regulation B branch and payment consequences\n\n| Claim ID | Area and precise claim | Trigger, conditions, and exceptions | Source pinpoint | Status / limits |\n| --- | --- | --- | --- | --- |\n| **R013-P1-C066** | Regulation B uses its own coverage and actor definitions and includes existing credit. | “Applicant” includes someone who has received credit; creditor includes regular participation in credit decisions and participating assignees. Its credit scope is broader than Regulation Z. | S014 §§1002.2(e), (j), (l), (m), comments. | R/I; U. Regulation Z exclusion does not establish Regulation B exclusion. |\n| **R013-P1-C067** | A qualifying individual account termination or unfavorable change can be adverse action. | §1002.2(c)(1)(ii) excludes from that definition changes affecting all or substantially all of a class. Refusal of an applied-for increase is separately covered. An ordinary within-limit draw is not itself a new application under §2(f). | S014 §§2(c)(1)(ii)–(iii), 2(f). | R/I; U. Classification requires the actual action and exception analysis. |\n| **R013-P1-C068** | Regulation B’s adverse-action exclusions are specific. | They include expressly agreed changes; action tied to inactivity/default/delinquency **of that account**; the qualified point-of-sale/loan transaction exception; law-prohibited extensions; and credit types not offered. Paragraph (c)(2) governs overlap. Past default generally does not equal current default for the comment’s exception. | S014 §2(c)(2)–(3), comments 2(c)(2)(ii)-1–2. | R/I; U. Another debt’s default or a class-wide policy does not itself supply §40 authority. |\n| **R013-P1-C069** | Qualifying existing-account adverse action ordinarily requires notice within **30 days after** action. | Written content under §9(a)(2): action, creditor and enforcement-agency information, ECOA statement, plus reasons or the right to obtain reasons. Under the latter route, request within 60 days and statement within 30 days; oral reasons carry the stated written-confirmation right. | S015 §9(a)(1)(iii), (a)(2)(i)–(ii). | R; U. These are separate triggers, not a 30-day advance freeze notice or reinstatement deadline. |\n| **R013-P1-C070** | Reasons must identify actual principal reasons with adequate specificity. | Merely invoking internal policy or failure to reach a qualifying score is insufficient under §9(b)(2). Credit-score factors or a report-use notice do not themselves satisfy the ECOA reasons requirement. | S015 §9(b)(2), comments 1–9. | R/I; U. No score or underwriting decision reviewed. |\n| **R013-P1-C071** | Regulation B has relevant form/recipient exceptions. | Section 9(d) permits oral notifications for creditors receiving no more than 150 applications in the preceding calendar year. Section 9(f) allows notice to one applicant, the primary applicant where readily apparent. | S015 §9(d), (f). | R; U. “Every adverse-action notice must always be written to every person” would be overbroad. |\n| **R013-P1-C072** | Regulation B disclosure compliance does not establish nondiscrimination compliance. | Section 4(a) independently prohibits discrimination on a prohibited basis in any aspect of a credit transaction. Required written disclosures follow §4(d), including applicable electronic requirements. | S016 §4(a), (d); S014 §2(m). | R/I; U. No actual discriminatory treatment or liability finding. |\n| **R013-P1-C073** | Draw rights and payment obligations must be analyzed separately. | A freeze addresses future extensions; it does not itself cancel the existing repayment obligation. Timely payments defeat reliance on actual missed payments as a ground but do not resolve a different, adequately supported restriction ground. | S003 §40(f)(2)–(3); S004 comments 40-5 and 40(f)(2)(ii)-1. | **INF**; U. No available-credit promise, debt discharge, or amount-due determination. |\n\n### G. Currentness, selected history, and source limits\n\n| Claim ID | Precise claim | Trigger / conditions / exceptions | Source pinpoint | Status / limits |\n| --- | --- | --- | --- | --- |\n| **R013-P1-C074** | The inspected eCFR currency date was October 23, 2026; access occurred October 27. | Title-level currency is not the section’s legal effective date. | S003 displayed metadata; S022 same title metadata. | OBS. Complete intervening amendment audit not claimed. |\n| **R013-P1-C075** | The statutory compilation reported coverage through Pub. L. 119-120, October 7, 2026. | That compilation statement is not a full later session-law check. | S001–S002 displayed version statements. | OBS. October 8–27 statutory lag audit held. |\n| **R013-P1-C076** | The 2011 CFPB republication took effect December 30, 2011. | Publication was December 22; the preamble describes transfer/republication with technical changes. | S017 Dates and introductory explanation, 76 FR 79768. | H. Does not replace the earlier plan-date transition in C011. |\n| **R013-P1-C077** | The 2021 LIBOR rule separated effective and mandatory-compliance dates. | April 1, 2022 general effectiveness; October 1, 2022 specified notice compliance; October 1, 2023 identified Appendix H amendment. | S018 Dates, 86 FR 69716, PDF index 0. | H. The Appendix H branch is not a HELOC freeze deadline. |\n| **R013-P1-C078** | The 2023 LIBOR amendment became effective May 15, 2023. | Its request for comments did not make the adopted text merely proposed. It revised Board-selected benchmark and 12-month language. | S019 Dates; §2(a)(28), §40(f)(3)(ii)(B), revised comments. | H/current incorporated text, subject to source limits. |\n| **R013-P1-C079** | The relevant 2022 existing-account advisory is listed as withdrawn May 12, 2025. | Relevant adverse-action circulars are also listed as withdrawn. No substantive reliance on those documents occurs here. | S020 relevant register entries. | Withdrawn guidance status. Underlying rules were separately read; withdrawal is not treated as repeal. |\n| **R013-P1-C080** | Two source-access/version issues remain bounded and visible. | Complete consolidated eCFR Supplement I could not be retrieved; CFPB’s §40 LIBOR comments showed older wording. The necessary 2023 amended comments were read directly, but this is not a full supplement amendment comparison. | S004 and S019. | OBS / partial currentness verification. No inference that failed retrieval means no rule. |\n| **R013-P1-C081** | The 2022 LIBOR correction fixed two preamble references. | Effective February 16, 2022; the correction’s body addresses hyperlinks/document identification. | S021 complete relevant correction body, 87 FR 8733. | H. No new freeze or acceleration ground derived from it. |\n\n## 4. Official significant-decline illustration\n\nThis arithmetic is included because it explains a consequential distinction in comment 40(f)(3)(vi)-6. It is **the official generic illustration**, not a valuation or credit decision. All amounts are **U.S. dollars**; the first mortgage and full credit limit are held fixed as in that illustration.\n\n| Step | Calculation | Meaning |\n| --- | --- | --- |\n| 1 | Original appraisal $100,000 − first mortgage $50,000 = **$50,000 available equity** | Equity before accounting for the full HELOC limit |\n| 2 | Available equity $50,000 − full credit limit $30,000 = **$20,000 initial cushion** | The relevant initial difference |\n| 3 | $20,000 × 50% = **$10,000** | Half the original cushion |\n| 4 | Lower value $90,000 − first mortgage $50,000 − full credit limit $30,000 = **$10,000 remaining cushion** | The cushion has been reduced by half |\n| 5 | $100,000 − $90,000 = **$10,000 value decline** | In this example, that is a 10% property-value decline—not a universal legal cutoff |\n\nThe official comment treats these stipulated circumstances as a significant decline and says significance otherwise varies with circumstances. It does not require a new appraisal before the restriction, but it does require an actual significant decline. No actual property, lien balance, utilization, appraisal, or market was queried. **C027–C028; S004, comment 40(f)(3)(vi)-6.** [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/rules-policy/regulations/1026/interp-40/?utm_source=chatgpt.com)\n\n## 5. Timing and delivery: rule periods only\n\nNo calendar deadline has been calculated. The start event, applicable definition of day, actor, delivery method, exception, and governing version would have to be established before any actual calculation.\n\n| Event | Actor and recipient | Rule’s period or trigger | Delivery / content | Boundary |\n| --- | --- | --- | --- | --- |\n| Provision of a covered application | Creditor to consumer; separate distributor duties can apply | Generally at application provision; specified alternatives within **3 business days** after receipt | §40 disclosures and brochure; applicable written/electronic presentation | Not an approval promise; C051–C055 |\n| Account opening / initial transaction | Creditor to consumer under applicable recipient rules | §5(b)(1)(i) initial-disclosure timing | Retainable account disclosures, including actual condition list | Not merely an offer to provide the list later; C052 |\n| Freeze/reduction under (f)(3)(i) or (vi) | Creditor to affected consumer(s), with §5(d) considered | No later than **3 business days after action** | Mail/deliver written specific reasons; disclose request/writing requirements | Not a universal advance-notice period; C057–C064 |\n| Lesser freeze instead of valid (f)(2) termination | Creditor | §9(c)(1)(iii)’s specific exception | No notice required under that paragraph | Other notices remain separate; C059 |\n| Other covered term change | Creditor to affected consumer(s) | Generally **15 days before** effectiveness; specified exceptions | Written change notice | Preserve rule/comment timing qualifications; C060–C061 |\n| Reinstatement investigation | Creditor, through monitoring or properly noticed request process | Adequate monitoring; **prompt** investigation on a triggering request; restoration as soon as reasonably possible | No universal numerical investigation period stated here | Not automatically 30 days; C036–C039 |\n| Existing-account Regulation B adverse action | Regulation B creditor to applicable applicant recipient | Ordinarily **30 days after action** | Required content; written unless applicable exception | Separate classification and exception analysis; C066–C072 |\n| Regulation B reasons-request route | Creditor responding to applicant | Request within **60 days** of notification; reasons within **30 days**; specified written-confirmation provision for oral reasons | Actual principal reasons | No actual request or deadline determined; C069–C070 |\n\nThese distinctions follow the operative notice text and comments, including the explicit lesser-action exception and the separate Regulation B periods. [Consumer Financial Protection Bureau+4](https://www.consumerfinance.gov/rules-policy/regulations/1026/9/?utm_source=chatgpt.com)\n\n## 6. Clearly hypothetical qualitative failure branches\n\nThese are **anonymous, stipulated legal-pattern tests**. They contain no actual or invented person, lender, account, property, or case identifiers. “Supported” means the identified federal condition is satisfied under the stipulation; it does not mean that the action is enforceable under every applicable law.\n\n| Example ID / branch | Stipulated facts | Rule-specific result versus unknown | Evidence needed in any later authorized application | Adverse misclassification to avoid |\n| --- | --- | --- | --- | --- |\n| **R013-P1-E001 — Closed-end excluded** | A single nonreplenishing home-equity loan is correctly classified as closed-end. | §40’s HELOC restriction framework does not govern that loan. Its own default/servicing rules remain unknown. C004, C013. | Legal obligation and advance/replenishment structure. | Calling every home-equity loan a HELOC. |\n| **R013-P1-E002 — Business purpose** | Credit is primarily for business purposes although secured by a residence. | §3(a)(1) excludes it from this consumer-plan framework. Other federal/state rules remain open. C007, C066. | Actual primary purpose and relevant agreement terms. | Treating home collateral as proof of consumer purpose. |\n| **R013-P1-E003 — Unsupported decline** | A restriction cites a general market concern, with no established significant decline in the securing dwelling. | The stipulated evidence does not establish (f)(3)(vi)(A). Other grounds are unknown. C027. | Plan appraisal baseline, subsequent information, method and date. | Equating any market movement or unsupported estimate with the required decline. |\n| **R013-P1-E004 — Qualifying significant decline** | Reliable stipulated information establishes the official half-cushion condition; no other issue is assumed. | A temporary value-based restriction condition is supported. Acceleration is not thereby established. C027–C028, C036. | Baseline value, full line, relevant prior lien, changed value. | Requiring a 50% house-price collapse or treating the example’s 10% as universal. |\n| **R013-P1-E005 — Financial change plus reasonable belief** | A material income reduction is established, and information reasonably connects it to inability to meet plan payments. | The two-part financial-change condition is supported. Actual notice, duration, and other-law compliance remain open. C029. | Changed circumstances, information available at action, reasoning connecting change to repayment. | Omitting either the material change or the reasonable-belief link. |\n| **R013-P1-E006 — Score change alone** | Only a lower score is stipulated; no material financial change or reasonable inability finding is established. | The score fact alone does not establish the full (B) test. C029–C030. | Actual underlying changes and repayment implications. | Treating a score movement as an automatic statutory trigger. |\n| **R013-P1-E007 — Material obligation default** | A genuine material agreement obligation is breached, but adverse effect on security is not stipulated. | The material-default restriction branch may be supported; the security-based acceleration ground remains unestablished. C021, C031. | Obligation text, materiality, breach, and any distinct security effect. | Converting every material draw-restriction default into acceleration. |\n| **R013-P1-E008 — Government APR restriction** | Effective government action actually prevents the agreed APR. | The (D) restriction condition is supported during that condition. State preemption and contract application are not decided. C032. | Operative government text, effective trigger, applicability. | Treating a proposal, profitability concern, or policy preference as government prohibition. |\n| **R013-P1-E009 — Government priority impairment** | Government action impairs priority and satisfies the rule’s less-than-120%-of-line condition. | The (E) condition is supported. No priority adjudication or foreclosure right follows. C033. | Government action, priority effect, security-interest value, credit line, dates. | Recasting the rule as an ordinary 80% LTV test. |\n| **R013-P1-E010 — Regulatory direction** | The creditor’s regulator actually notifies it that continued advances are unsafe and unsound. | The (F) condition is supported, subject to scope and duration. C034. | Actual regulatory instruction, applicability, date, continuing effect. | Substituting an internal risk committee’s view for agency notification. |\n| **R013-P1-E011 — Creditor-policy-only freeze** | A new portfolio policy is the only reason; no enumerated ground, valid acceleration event, or specific consumer agreement exists. | The stipulated policy alone does not supply §40 restriction authority. C025, C042. | Ground-specific information and applicable contract provisions. | Assuming all-account treatment or policy consistency legalizes a freeze. |\n| **R013-P1-E012 — Condition ceases** | The original temporary condition has ended, no other ground exists, and the applicable reinstatement-request process has been satisfied. | Restoration duty applies as soon as reasonably possible. No fixed individual deadline is calculated. C036–C037. | Cessation evidence, other-ground review, notice/request sequence. | Keeping an ordinary temporary restriction indefinitely or promising instant credit. |\n| **R013-P1-E013 — Termination ground versus draw freeze** | Significant value decline exists, but none of the ordinary acceleration grounds is established. | The decline may support temporary draw restriction; it does not itself establish acceleration. C017, C027. | Separate facts for any asserted (f)(2) ground. | Using a freeze condition as an automatic balance-due-in-full event. |\n| **R013-P1-E014 — Notice given, authority unknown** | A specific, timely restriction letter was delivered; its underlying factual basis is not established. | Notice compliance may be supported; substantive authority remains unknown. C057, C065. | Ground evidence and contract/state analysis, independently of the letter. | Treating the notice as proof that the action was authorized. |\n| **R013-P1-E015 — Timely payments, separate freeze issue** | All required payments are timely; a separate significant collateral decline is stipulated. | Missed-payment acceleration is unavailable on these facts; the separate temporary restriction condition can still be tested. C019, C027, C073. | Payment compliance and independent value-ground evidence. | Assuming current payments guarantee continued draws, or that a freeze cancels payments. |\n| **R013-P1-E016 — Reverse-mortgage branch** | The obligation meets §33(a)’s reverse definition and is structured as open-end credit. | Use §40(f)(4) for its termination conditions; do not declare all of §40 inapplicable. Program-specific limitations remain unknown. C014–C015. | Product terms, nonrecourse/security/occupancy features, applicable program. | Applying ordinary HELOC acceleration rules without the reverse exception. |\n| **R013-P1-E017 — Maximum rate reached** | The maximum APR is reached and the initial agreement specifically reserves temporary draw restriction. | The cap-based restriction route is supported; cap-based acceleration is not. C017, C035. | Initial reservation, cap terms, rate event, duration. | Treating a contractual rate ceiling as a demand-loan trigger. |\n| **R013-P1-E018 — Nonmaterial inaccuracy** | An inaccuracy is stipulated to be nonmaterial and not fraud under applicable law. | The fraud/material-misrepresentation ground is not established by that fact. C018. | Statement/omission, significance, applicable legal elements and required intent. | Treating every incorrect application statement as fraud. |\n| **R013-P1-E019 — Payment sent to wrong office** | Payment was mistakenly sent to a branch rather than the main office; no actual payment failure is otherwise established. | The official comment rejects acceleration merely on that basis. C019–C020. | Payment transmission, receipt, posting, agreement, other-law requirements. | Replacing actual nonpayment with a technical routing error. |\n| **R013-P1-E020 — Continued use treated as consent** | The consumer keeps using the line after a unilateral change but provides no specific written agreement. | Continued use does not satisfy §40(f)(3)(iii)’s written-agreement condition. C045. | Specific contemporaneous agreement and applicable signature evidence. | Importing a general state-law acceptance-by-use theory into this federal exception. |\n| **R013-P1-E021 — Reinstatement fee** | The condition is established to have ended, but a charge is demanded simply to restore the line. | The comment prohibits that reinstatement fee. Actual investigation costs have a separate narrow test. C038. | Fee purpose, actual cost, condition determination, applicable state law. | Rebranding a reopening charge as an allowable appraisal fee. |\n| **R013-P1-E022 — Judgment without security effect** | A judgment exists, but its amount and collateral reach are stipulated not to impair the creditor’s security. | The security-based acceleration example is not satisfied merely by the judgment’s existence. C021–C022. | Judgment’s legal effect, relevant collateral and amount—only in a separately authorized inquiry. | Treating any judgment or third-party event as automatic acceleration authority. |\n\n## 7. Blank generic document-audit worksheet\n\nThis is an **unpopulated worksheet**, not a records request. It intentionally omits identity, account-number, address, license, and case-identifier entries.\n\n| Audit field | Blank entry | Rule question / reference |\n| --- | --- | --- |\n| Primary credit purpose | _____ | Consumer versus business; C002, C007 |\n| Natural-person / organizational / trust structure | _____ | C002, C008 |\n| Open-end plan features | _____ | Repeated transactions, periodic charge, replenishment; C004 |\n| Closed-end or later conversion features | _____ | C004, C013 |\n| Dwelling classification and residential use | _____ | C005 |\n| Principal-dwelling relevance | _____ | Coverage versus other product rules; C005, C009, C014 |\n| Security type and legal recognition | _____ | C006 |\n| First/subordinate lien or dragnet feature | _____ | C005–C006 |\n| Creditor / assignee / holder role | _____ | C003, C016 |\n| Amount-exemption predicate, if relevant | _____ | C009 |\n| Original agreement / consummation date category | _____ | C011 |\n| Renewal, expiration, security-addition, or modification date category | _____ | C011–C013, C016 |\n| Draw period and repayment period | _____ | C012 |\n| Initial restriction/change reservations | _____ | C035, C042 |\n| Action classified: freeze / reduction / termination / acceleration / scheduled phase change | _____ | C017, C024–C025 |\n| Exact claimed federal ground | _____ | C018–C035 |\n| Action date and governing rule version | _____ | C074–C081 |\n| Source of information supporting the ground | _____ | C027–C034, C040 |\n| Information date and what was known when action occurred | _____ | Ground-specific factual timing |\n| Plan appraisal baseline and significant-decline analysis | _____ | C027–C028 |\n| Material financial change | _____ | First part of C029 |\n| Reasonable-belief link to repayment inability | _____ | Second part of C029 |\n| Agreement obligation and why material | _____ | C031 |\n| Repayment obligation and actual alleged failure | _____ | C019–C020 |\n| Actor causing security effect | _____ | C021–C022 |\n| Nature and extent of adverse security/right effect | _____ | C021–C022 |\n| Government action / agency notification and applicability | _____ | C023, C032–C034 |\n| Initial maximum-rate reservation and cap event | _____ | C035, C050 |\n| Initial disclosures and actual condition list | _____ | C051–C055 |\n| Later notice provision and exception claimed | _____ | C057–C061 |\n| Notice content, dispatch/delivery, medium, and recipient basis | _____ | C057–C064 |\n| Electronic-consent basis, if applicable | _____ | C055, C062, C072 |\n| Applicable business-day definition and triggering event | _____ | C063; no date calculation entered |\n| Independent Regulation B classification and exception | _____ | C066–C071 |\n| Contractual/state/other-law cure requirements | _____ | C020; held |\n| Continuing condition / cessation evidence | _____ | C036 |\n| Monitoring versus noticed request procedure | _____ | C037 |\n| Reinstatement request and investigation sequence | _____ | C037, C039 |\n| Investigation fee purpose, actual cost, and state-law permission | _____ | C038 |\n| Any other independently continuing restriction ground | _____ | C036–C037 |\n| Contract/state enforceability and remedies questions | _____ | Held; no determination |\n| Unresolved source/version issue | _____ | C074–C081 |\n| Separate parent question requiring later assignment | _____ | Parent holds below |\n\n## 8. Granular coverage table\n\n**“Answered” means that the generic federal proposition was investigated to the stated bounds. It does not mean component acceptance, factual application, state-law completion, or parent closure.** A next step below is a bounded research description, not authorization to query records or identifiers.\n\n| Coverage item | Disposition and claim/example links | Exact missing authority or facts | Next bounded permissible investigation |\n| --- | --- | --- | --- |\n| Consumer-credit purpose | **Answered conditionally** — C001–C002, C007; E002 | Actual use/purpose and mixed-purpose facts | Generic §3(a) analysis of a supplied, de-identified product description |\n| Open-end versus closed-end | **Answered** — C004, C013; E001 | Actual legal replenishment and advance conditions | Compare generic plan terms to §2(a)(20) |\n| Dwelling versus principal dwelling | **Answered** — C005 | Residential-use facts; which separate principal-dwelling rule matters | Examine only the relevant generic definition branch |\n| First versus second lien | **Answered for §40 coverage** — C005–C006 | Actual security and priority facts | Generic instrument/security classification; no priority adjudication |\n| Manufactured/mobile/boat residence | **Answered at definition level** — C005, C009 | Residential use, attachment, principal use, amount-exemption facts | Bound a later product-specific definition inquiry |\n| Legally recognized security; incidental interests | **Partial / facts held** — C006 | Applicable state/federal recognition and instrument scope | Published jurisdiction-specific law if separately assigned |\n| Dragnet / cross-collateralization | **Answered conditionally** — C006 | Whether clause applies or was effectively waived | Generic contract-clause comparison |\n| Ordinary creditor and special card roles | **Answered at federal definition level** — C003, C010 | Initial payee, regularity, special class, statutory actor exclusion | Read only an identified generic actor-class exception if necessary |\n| Business credit | **Excluded from this §40 consumer branch when established** — C007; E002 | Actual primary purpose | Separate generic business-credit assignment |\n| Organization / trust | **Answered with exceptions** — C008 | Legal structure and consumer substance | Generic trust/organizational classification |\n| Amount exemption | **Answered conditionally** — C009 | Relevant period, security type, initial extension/commitment | Period-specific official threshold and commitment analysis |\n| Card-access HELOC versus non-home-secured card | **Answered** — C010 | Actual account structure | No complete credit-card regime investigation in this pass |\n| Historical plan and security-addition dates | **Answered conditionally** — C011 | Original entry, renewal, security-addition dates | Historical official version for a stipulated date category |\n| Draw/repayment phases and later conversion | **Answered** — C012–C013 | Original versus later terms; replenishment | Generic clause-level classification |\n| Reverse-mortgage definition | **Answered at boundary level** — C014; E016 | Nonrecourse, principal security, payment-event structure | Product-specific §33 study if separately assigned |\n| Reverse termination / government program | **Partial** — C015; E016 | Applicable HUD/HECM or other program; spouse/occupancy/cure facts | Official program rules only after a bounded program assignment |\n| Fraud/material misrepresentation | **Answered federal condition; state elements held** — C018; E018 | Required state elements, intent, materiality, actual conduct | Published law of a specified jurisdiction, without case-record searches |\n| Actual repayment failure | **Answered** — C019; E019 | Actual obligation and payment facts | Generic payment/default clause analysis |\n| Cure and timing before acceleration | **Partial / held** — C020 | State, instrument, insolvency, other-law duties | Separate jurisdiction/product cure research; no personal deadline |\n| Security impairment and actor | **Answered federal test** — C021–C022; E022 | Causation, collateral/right affected, actual impairment | Generic legal-effect analysis under identified applicable law |\n| Third-party events and official examples | **Answered with preserved qualifications** — C021–C022 | Actual fit with an express example and other law | No expansion beyond the published examples without authority |\n| Executive-officer federal demand condition | **Partial, bounded** — C023 | Actor/program coverage, category, required condition, initial clause | Complete generic Regulation O branch only if needed |\n| Lesser action instead of acceleration | **Answered** — C024; E013 | Valid ground existing at action time | Compare stipulated grounds and action; preserve notice branches |\n| Unsupported versus significant value decline | **Answered** — C027–C028; E003–E004 | Baseline, reliable changed value, significance facts | Generic methodology only; no property lookup |\n| Financial change plus reasonable inability belief | **Answered** — C029–C030; E005–E006 | Material change and contemporaneous causal reasoning | Generic evidence-category review, no score/report query |\n| Material-obligation default | **Answered conditionally** — C031; E007 | Material agreement term, breach, required category disclosure | Generic obligation and disclosure comparison |\n| Government APR restriction | **Answered conditionally** — C032; E008 | Operative applicable law, preclusion, duration | Published government-action text only |\n| Government priority impairment | **Answered conditionally** — C033; E009 | Government causation, priority effect, security-value/line predicate | Separate generic priority-law study; no title/record search |\n| Regulatory unsafe-and-unsound direction | **Answered conditionally** — C034; E010 | Applicable regulator notification and continuing scope | Public generic regulatory text if relevant; no institution query |\n| Creditor-policy-only restriction | **Answered** — C025, C042; E011 | Any genuinely separate permitted ground | No general policy exception inferred |\n| Maximum-rate condition | **Answered** — C035, C050; E017 | Initial reservation, maximum, event and duration | Generic rate-cap clause analysis |\n| Temporary duration and cessation | **Answered** — C036; E012 | When condition ended; other grounds; draw-period status | Generic reinstatement sequencing |\n| Monitoring/request alternatives | **Answered** — C037, C058 | Proper notice, request, investigation sequence | Compare blank/generic notice wording |\n| Reinstatement charges | **Answered** — C038; E021 | Actual incurred cost, fee purpose, state law | Separate generic state fee rule if assigned |\n| Consumer-requested/multiple-consumer freeze | **Answered** — C039 | Agreement permissions and request requirements | Generic joint-obligation clause analysis |\n| Documentation and retention | **Answered within §25(a)** — C040 | Actual compliance evidence; other applicable retention rules | No broad discovery or records-request branch in this pass |\n| Contractual change limits | **Answered** — C041–C045; E020 | Exact existing and proposed clauses | Generic clause comparison |\n| Variable index and replacement | **Answered to necessary conditions** — C046–C049 | Actual index, contract, margin, replacement date | Separate numerical transition audit only if expressly assigned |\n| Lifetime maximum rate | **Answered at governing-rule level** — C050 | Initial cap and permitted-change facts | No APR/points/usury calculation here |\n| Early application disclosure | **Answered to focused content/timing** — C051, C053–C056 | Distribution method and application event | Blank disclosure review, without full underwriting redo |\n| Opening condition list | **Answered** — C052 | Actual list, retainability, timing | Generic account-opening document review |\n| Later restriction notice | **Answered** — C057–C059; E014 | Ground, action date, dispatch, content, recipient | Blank notice comparison; no actual deadline |\n| Other changes / 15-day rule | **Answered with text/comment qualification** — C060–C061 | Change type, agreement, exception | Narrow clause-specific notice analysis |\n| Electronic delivery / recipients / business days | **Answered conditionally** — C062–C064 | Consent, medium, liable-party roles, business schedule | Generic delivery requirements only |\n| Regulation B adverse-action classification | **Answered, bounded** — C066–C068 | Class-wide effect, exception, application versus account action | Separate classification of stipulated generic facts |\n| Regulation B content, timing, exceptions | **Answered, bounded** — C069–C071 | Applicable actor exception and notice path | Blank notice review; no complete origination investigation |\n| Nondiscrimination / FCRA | **Partial / held** — C070, C072 | Actual discrimination evidence; complete FCRA authority and facts | Separate official-source assignment; no report or person query |\n| Draw rights versus payments | **Answered** — C073; E015 | Actual repayment and draw terms | No balance, credit-availability, or discharge determination |\n| Currentness and selected history | **Answered with explicit gaps** — C074–C081 | Full intervening law audit and complete supplement comparison | Additional public primary version comparison, if assigned |\n| Guidance withdrawal | **Answered for materials identified** — C079 | No substantive reliance on advisory/circular content | Recheck register and publisher if a future assignment would use guidance |\n| Opinions, standing, remedies, litigation | **Excluded / preserved** | No consequential opinion was necessary here; actual jurisdiction/remedy facts absent | Separate published-opinion research only if material; no dockets |\n| Remaining A013 dimensions | **Unresolved by design** | All broader product, servicing, foreclosure, deficiency, loss-mitigation, and other parent matters | Separate focused component; no parent closure |\n\n## 9. Read and failure log\n\n| Log item | What actually happened | Consequence for this report |\n| --- | --- | --- |\n| Core operative reading | Complete §1026.40 operative body was read, including all four termination branches, all six (f)(3)(vi) grounds, the maximum-rate provision, contractual exceptions, and reverse branch. Necessary official comments were read as bodies. | Main conclusions do not rest on search snippets, headnotes, or a consumer summary. |\n| Statutory preliminary-route failure | The initial §1647 preliminary route returned maintenance content: [https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section1647&num=0&edition=prelim](https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section1647&num=0&edition=prelim&utm_source=chatgpt.com). The analogous §1637a route failed: [https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section1637a&num=0&edition=prelim](https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section1637a&num=0&edition=prelim). | Bodies were recovered through the specific OLRC compilation URLs in S001–S002. No “no statute” inference. |\n| Consolidated Supplement I failure | The eCFR supplement URL in S004 returned a content-length error, exceeding the retrieval limit. | No claim of a full consolidated eCFR supplement read. Necessary CFPB comments and the published 2023 amendments were read separately. |\n| CFPB embedded-comment defect | §6(a)(3)-1 appeared as a placeholder in the regulation page. | Separate official interpretation page supplied the actual text; this gap was repaired. |\n| CFPB LIBOR version mismatch | The §40 interpretation page’s displayed LIBOR comments used older ARRC/1-year wording; the current rule and 2023 amendment use Board-selected/12-month wording. | S019’s actual amendment and updated comments control the discussion here. No silent assumption that a “current” label guarantees perfect consolidation. |\n| 2011 official PDF failure | The GovInfo PDF in S017 could not be fetched because the response was too large; the tool reported **40,909,875 bytes**. | Effective-date and republication discussion relies on the freshly read publisher HTML. Official PDF verification remains a precise gap. |\n| 2021 and 2023 PDFs | Official PDFs were retrieved and specified parsed portions read. | Parsed text only; no pixel inspection, full-form review, or full-document reading claim. |\n| Discovery searches | Searches surfaced historical versions, unrelated rules referencing Part 1026, proposed/RFI material, and secondary results. | Those discoveries were not used as operative body authority or as proof of current legal status. |\n| Guidance check | The relevant withdrawn-guidance entries were read. | No advisory, circular, bulletin, or informal FAQ supplies the substantive framework. |\n| Opinions / records | No published opinion was needed for the conclusions reached; no case-record or docket-status query was performed. | No holding, posture, disposition, later-history, standing, remedy, or filing conclusion is implied. |\n| Reuse | Sources were reopened during this pass to verify exact clauses, dates, and missing text. | Same-document repetitions are not counted as independent review or corroboration; no saved report was reused. |\n\n## 10. Question → claim/source crosswalk\n\n| Assigned question | Claim and example links | Principal source links |\n| --- | --- | --- |\n| **1. Establish consumer/open-end/dwelling/security/creditor coverage and precise exclusions** | C001–C016; E001–E002, E016 | S001–S007, S012, S018 |\n| **2. Complete termination/acceleration conditions; actor, materiality, security effect, timing, cure** | C017–C024; E013, E018–E019, E022 | S001, S003–S004, S022 |\n| **3. Complete freeze/reduction grounds; actual decline, material change, belief, government predicates** | C025–C035; E003–E011, E017 | S001, S003–S004 |\n| **3. Duration, reinstatement, monitoring/request alternatives, charges, documentation** | C036–C040; E012, E021 | S004, S010, S013 |\n| **4. Contract changes, discretion, variable index, maximum rate** | C041–C050; E017, E020 | S001, S003–S004, S011, S018–S019 |\n| **4. Initial disclosures and later restriction/change notices** | C051–C065; E014 | S002–S004, S006, S008–S010 |\n| **4. Bounded Regulation B and nondiscrimination distinction** | C066–C072; E011, E014 | S014–S016, S020 |\n| **5. Freeze versus acceleration; draws versus payments; excluded branches** | C004–C016, C024–C039, C073; E001–E022 | S003–S004, S006–S007, S012 |\n| **Currentness, selected history, withdrawal, access/version gaps** | C074–C081; source and failure registers | S001–S004, S017–S021 |\n| **Audit worksheet and preservation of parent questions** | Sections 7–8 and parent holds below | Derived from the cited conditions; not a new legal authority |\n\n## 11. Self-check — not independent review\n\nThis was a **single-investigator self-check**, not an independent review, acceptance decision, or certification.\n\n| Check | Result |\n| --- | --- |\n| Coverage before application | The analysis separately tests consumer purpose, open-end structure, dwelling/security, creditor status, exemptions, and historical dates. |\n| Complete principal restriction grounds | All §40(f)(2)(i)–(iv), (f)(3)(vi)(A)–(F), maximum-rate, and reverse-termination branches are identified. |\n| Actor and causation | Consumer conduct, government action, regulatory notification, and internal creditor policy are distinguished. |\n| Materiality | Material misrepresentation, material financial change, and material obligation default are not treated as interchangeable. |\n| Temporary versus permanent | Ordinary condition-based restrictions are distinguished from the valid-acceleration lesser-action exception. |\n| Payment versus drawing | No freeze is treated as payment forgiveness, and current payments are not treated as a guarantee of future advances. |\n| Notice versus authority | Regulation Z, Regulation B, and contract/state enforceability remain separate inquiries. |\n| Numeric discipline | Only actual published thresholds/periods and the official generic equity illustration are used. No individual amount or calendar deadline is calculated. |\n| Source discipline | Operative primary bodies and necessary comments were read; discovery-only material is not a foundation. |\n| Currentness discipline | Access dates, compilation currency, effective dates, historical predicates, withdrawn guidance, and unverified status questions are distinguished. |\n| Access honesty | Failed retrievals, repaired placeholders, the LIBOR mismatch, and parsed-text-only PDF reading are disclosed. |\n| Owner limits | No identifiers, records searches, actual credit decision, foreclosure determination, filing, contact, publication, subagent, or local coordinator artifact. |\n\n## 12. Specific parent holds\n\nThe following remain expressly open:\n\n- **All actual application facts:** purpose, product, natural-person/organization/trust status, open-end structure, original and later agreements, creditor/payee/assignee/holder status, collateral and security recognition, lien position, appraisal and other valuation facts, full credit line and balance, financial change, repayment capacity, payment performance, default, fraud/materiality/intent, information and knowledge at the relevant time, regulatory/government action, notices, electronic consent, recipients, cure, monitoring, requests, and reinstatement.\n- **All actual date and instrument questions:** consummation, original plan entry, renewal, expiry, addition of security, draw-to-repayment transition, later conversion, action date, mailing/delivery date, governing version, contractual reservations, and state-law formation/enforceability.\n- **Other A013 product dimensions:** first and second closed-end mortgages, other home-equity products, comprehensive reverse/HECM rules, manufactured-home-specific regimes, arrears, escrow, scheduled balloons, deficiency, and loss mitigation.\n- **Other substantive and remedial fields:** complete origination/underwriting, APR/finance-charge/points/usury, rescission, servicing, payment application, errors, credit reporting/FCRA, valuation-copy and valuation-independence regimes beyond the identified cross-references, foreclosure, priority adjudication, deficiency, collections, settlement, limitations, remedies, standing, litigation, tax, insolvency, bankruptcy stays/discharge, and court filing questions.\n- **Jurisdictional holds:** state, local, tribal, territorial, international, and country-specific law, including applicable choice-of-law and program protections.\n- **Source-status holds:** a full current official CFR-edition comparison, complete session-law lag audit, complete Supplement I amendment audit, and any separate published-opinion/later-history investigation that a later, properly bounded question might require.\n\n**No component, parent, operations, state-law, or publication acceptance is entered. No individual liability, eligibility, creditworthiness, available-credit, foreclosure-right, or legal-deadline determination is made.**\n\nEND R013 PASS-01\n\n","tables":[{"headers":["Situation","Federal provision being tested","What that provision can support","What it does not establish"],"index":0,"links":[],"row_links":[[],[],[],[],[],[],[]],"rows":[["Situation","Federal provision being tested","What that provision can support","What it does not establish"],["An enumerated temporary restriction condition exists","§1026.40(f)(3)(vi)(A)–(F)","Prohibition of additional extensions or reduction of the credit limit while the qualifying condition exists","Automatic acceleration, payment forgiveness, foreclosure authority, or permanent cancellation"],["The maximum APR is reached and the initial agreement reserves the response","§1026.40(f)(3)(i)","A freeze or reduction during that period","Acceleration merely because the cap was reached"],["A valid ordinary termination ground exists","§1026.40(f)(2)(i)–(iv)","Early termination and demand for the outstanding balance, subject to other applicable requirements","Satisfaction of contractual, state-law, cure, insolvency, or enforcement prerequisites"],["A valid termination ground exists, but a lesser action is selected","Comment 40(f)(2)-2","Actions including temporary or permanent suspension, limit reduction, or specified changes discussed in the comment","Permission to use that exception when no termination ground exists"],["A scheduled draw period ends under the original plan","Comments 40-4 and 40-5","Operation of the originally agreed repayment phase, subject to applicable disclosures and substantive rules","Proof of an exceptional freeze, a new default, or an entitlement to renewal"],["The transaction is a qualifying reverse mortgage","§§1026.33(a), 1026.40(f)(4)","The distinct reverse-mortgage termination framework","A blanket exemption from every part of §1026.40 or satisfaction of HUD/program protections"]]},{"headers":["Status category","Treatment in this report"],"index":1,"links":[],"row_links":[[],[],[],[],[],[],[],[],[]],"rows":[["Status category","Treatment in this report"],["Current text inspected","The eCFR §1026.40 body; CFPB regulatory text and necessary official interpretations, subject to the specific version discrepancy identified below"],["Historical","The pre-November 7, 1989 transition provisions; the 2011 transfer/republication rule; the 2021 LIBOR rule and its compliance dates; the 2022 correction; the 2023 amendment’s adoption history"],["Proposed / discovery only","Search results containing proposals, requests for information, historical versions, or unrelated part-wide changes were not treated as operative amendments"],["Future effective","No future-effective change to the focused restriction provisions was established from the bodies relied on here. This is not a certification that no such change exists"],["Withdrawn","The CFPB register lists the 2022 existing-credit-arrangements advisory and relevant adverse-action circulars as withdrawn. Their substantive guidance is not a foundation here"],["Repealed","Withdrawal of those guidance documents was not treated as repeal of TILA, ECOA, Regulation Z, Regulation B, or their codified interpretations"],["Stayed / vacated","No litigation-history or docket-status audit was conducted. This report makes no comprehensive “never stayed” or “never vacated” representation"],["Unknown / held","Actual application; complete session-law lag audit; complete consolidated Supplement I comparison; state, contract, program, remedy, and parent questions"]]},{"headers":["Source ID","Issuer / title / complete literal HTTPS URL","Exact provisions and read bounds","Version, effective predicate, and limits"],"index":2,"links":[{"href":"https://uscode.house.gov/us/usc/119-120/t15/s1647/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-120/t15/s1647/"},{"href":"https://uscode.house.gov/us/usc/119-120/t15/s1647/?utm_source=chatgpt.com","text":"uscode.house.gov\n+1"},{"href":"https://uscode.house.gov/us/usc/119-120/t15/s1637a/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-120/t15/s1637a/"},{"href":"https://uscode.house.gov/us/usc/119-120/t15/s1637a/?utm_source=chatgpt.com","text":"uscode.house.gov\n+1"},{"href":"https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-E/section-1026.40?utm_source=chatgpt.com","text":"https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-E/section-1026.40"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/40/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1026/40/"},{"href":"https://www.ecfr.gov/current/title-12/chapter-X/part-1026/section-1026.40?utm_source=chatgpt.com","text":"ecfr.gov\n+2"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/interp-40/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1026/interp-40/"},{"href":"https://www.ecfr.gov/current/title-12/chapter-X/part-1026/appendix-Supplement%20I%20to%20Part%201026","text":"https://www.ecfr.gov/current/title-12/chapter-X/part-1026/appendix-Supplement%20I%20to%20Part%201026"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/1/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1026/1/"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/1/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"},{"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/1026/2/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau\n+4"},{"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/1026/3/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau\n+3"}],"row_links":[[],[{"href":"https://uscode.house.gov/us/usc/119-120/t15/s1647/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-120/t15/s1647/"},{"href":"https://uscode.house.gov/us/usc/119-120/t15/s1647/?utm_source=chatgpt.com","text":"uscode.house.gov\n+1"}],[{"href":"https://uscode.house.gov/us/usc/119-120/t15/s1637a/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-120/t15/s1637a/"},{"href":"https://uscode.house.gov/us/usc/119-120/t15/s1637a/?utm_source=chatgpt.com","text":"uscode.house.gov\n+1"}],[{"href":"https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-E/section-1026.40?utm_source=chatgpt.com","text":"https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-E/section-1026.40"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/40/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1026/40/"},{"href":"https://www.ecfr.gov/current/title-12/chapter-X/part-1026/section-1026.40?utm_source=chatgpt.com","text":"ecfr.gov\n+2"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/interp-40/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1026/interp-40/"},{"href":"https://www.ecfr.gov/current/title-12/chapter-X/part-1026/appendix-Supplement%20I%20to%20Part%201026","text":"https://www.ecfr.gov/current/title-12/chapter-X/part-1026/appendix-Supplement%20I%20to%20Part%201026"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/1/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1026/1/"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/1/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"}],[{"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/1026/2/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau\n+4"}],[{"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/1026/3/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau\n+3"}]],"rows":[["Source ID","Issuer / title / complete literal HTTPS URL","Exact provisions and read bounds","Version, effective predicate, and limits"],["R013-P1-S001","House Office of the Law Revision Counsel, 15 U.S.C. §1647, Home equity plans. https://uscode.house.gov/us/usc/119-120/t15/s1647/","Fresh HTML: subsections (a)–(e), source and amendment/effective-date notes. Especially (b), (c)(1)–(4). No PDF pages.","Compilation through Pub. L. 119-120, October 7, 2026. Statutory text, not regulatory commentary. No complete October 8–27 session-law audit. \nuscode.house.gov\n+1"],["R013-P1-S002","OLRC, 15 U.S.C. §1637a, Disclosure requirements for open end consumer credit plans secured by consumer’s principal dwelling. https://uscode.house.gov/us/usc/119-120/t15/s1637a/","Fresh HTML: application-disclosure body, particularly (a)(5)–(8), (b)–(e), including the special definition in (d); effective-date notes. No PDF pages.","Same October 7 compilation limit. The special statutory treatment of second/vacation homes is confined to the provisions identified in (d); it does not redefine principal dwelling throughout Regulation Z. \nuscode.house.gov\n+1"],["R013-P1-S003","OFR/GPO eCFR, 12 CFR §1026.40. https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-E/section-1026.40. CFPB mirror: https://www.consumerfinance.gov/rules-policy/regulations/1026/40/","Fresh: complete operative eCFR section, introduction and (a)–(h), with complete (f)(1)–(4). Selected mirror comparison. HTML; no PDF index.","eCFR Title 12 currency October 23, 2026. Section’s amendment citation lists 2011, 2021, and 2023 publications. eCFR describes itself as authoritative but unofficial, not the official legal CFR edition. \necfr.gov\n+2"],["R013-P1-S004","CFPB, Official interpretations of §1026.40. https://www.consumerfinance.gov/rules-policy/regulations/1026/interp-40/. Attempted consolidated eCFR supplement: https://www.ecfr.gov/current/title-12/chapter-X/part-1026/appendix-Supplement%20I%20to%20Part%201026","Fresh: general comments 40-1–7; necessary form, timing, third-party, and (d)(4) comments; 40(f)-1; complete relevant (f)(1), (f)(2), (f)(3) introductory, (i), (iii)–(vi) comments; selected (g) comments. LIBOR wording compared with S019.","CFPB page labeled current, but its displayed (f)(3)(ii) comments retain older ARRC/“1-year” wording. Updated 2023 text was read in S019 instead. Consolidated eCFR Supplement I retrieval failed because of response size. No full consolidated-supplement audit claimed."],["R013-P1-S005","CFPB, §1026.1—Authority, purpose, coverage, organization, enforcement, and liability. https://www.consumerfinance.gov/rules-policy/regulations/1026/1/","Fresh: (b), (c)(1)–(3), necessary coverage interpretation. HTML; no pages.","Current agency presentation. General coverage and application-distributor extension examined; no independent audit of every special actor exclusion. \nConsumer Financial Protection Bureau"],["R013-P1-S006","CFPB, §1026.2—Definitions and rules of construction. https://www.consumerfinance.gov/rules-policy/regulations/1026/2/","Fresh: (a)(6), (10)–(15), (17), (19), (20), (25), necessary related comments; relevant distinction in (24); updated (28) also checked through S019. HTML; no pages.","Current agency presentation. Definitions read for this component; no consumer, creditor, security, or consummation fact established. \nConsumer Financial Protection Bureau\n+4"],["R013-P1-S007","CFPB, §1026.3—Exempt transactions. https://www.consumerfinance.gov/rules-policy/regulations/1026/3/","Fresh: complete relevant (a), (b), business/organizational/trust and open-end threshold comments; comment 3(b)-3.xvii. HTML; no pages.","Current agency text specifies $73,400 for January 1–December 31, 2026. Amount exemption’s real-property/principal-dwelling exceptions are critical. Other exemption categories were not comprehensively investigated. \nConsumer Financial Protection Bureau\n+3"]]},{"headers":["Source ID","Issuer / title / complete literal HTTPS URL","Exact provisions and read bounds","Version, effective predicate, and limits"],"index":3,"links":[{"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/1026/5/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau\n+2"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/6/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1026/6/"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/interp-6/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1026/interp-6/"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/6/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau\n+1"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/9/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1026/9/"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/9/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau\n+2"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/30/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1026/30/"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/30/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau\n+1"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/33/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1026/33/"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/33/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/25/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1026/25/"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/25/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1002/2/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1002/2/"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1002/2/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau\n+1"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1002/9/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1002/9/"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1002/9/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau\n+2"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1002/4/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1002/4/"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1002/4/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau\n+1"}],"row_links":[[],[{"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/1026/5/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau\n+2"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/6/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1026/6/"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/interp-6/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1026/interp-6/"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/6/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau\n+1"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/9/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1026/9/"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/9/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau\n+2"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/30/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1026/30/"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/30/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau\n+1"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/33/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1026/33/"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/33/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/25/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1026/25/"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/25/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1002/2/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1002/2/"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1002/2/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau\n+1"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1002/9/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1002/9/"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1002/9/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau\n+2"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1002/4/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1002/4/"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1002/4/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau\n+1"}]],"rows":[["Source ID","Issuer / title / complete literal HTTPS URL","Exact provisions and read bounds","Version, effective predicate, and limits"],["R013-P1-S008","CFPB, §1026.5—General disclosure requirements. https://www.consumerfinance.gov/rules-policy/regulations/1026/5/","Fresh: (a)(1), (b)(1)(i), (c), (d), necessary comments on writing, electronic delivery, initial timing, and multiple consumers. HTML.","Current presentation. No actual electronic-consent or delivery finding. \nConsumer Financial Protection Bureau\n+2"],["R013-P1-S009","CFPB, §1026.6—Account-opening disclosures, and separate interpretation page. https://www.consumerfinance.gov/rules-policy/regulations/1026/6/; https://www.consumerfinance.gov/rules-policy/regulations/1026/interp-6/","Fresh: (a)(3)(i)–(vii), (a)(4), comments 6(a)(3)-1–4 and relevant security comments. HTML.","Embedded comment 6(a)(3)-1 appeared as a placeholder; actual text recovered from the separate interpretation page. That particular retrieval gap was repaired. \nConsumer Financial Protection Bureau\n+1"],["R013-P1-S010","CFPB, §1026.9—Subsequent disclosure requirements. https://www.consumerfinance.gov/rules-policy/regulations/1026/9/","Fresh: complete relevant (c)(1)(i)–(iii), comments 9(c)(1)-1–4, 9(c)(1)(i)-1–6, (ii)-1–3, and (iii)-1–2. HTML.","Current presentation includes the LIBOR margin-notice provision operative for notices on/after October 1, 2022. Non-home-secured card rules were not imported. \nConsumer Financial Protection Bureau\n+2"],["R013-P1-S011","CFPB, §1026.30—Limitation on rates. https://www.consumerfinance.gov/rules-policy/regulations/1026/30/","Fresh: operative section and comments 1–12. HTML.","Lifetime contractual maximum-rate requirement and restrictions on changing the ceiling examined. No actual rate, usury, or renewal determination. \nConsumer Financial Protection Bureau\n+1"],["R013-P1-S012","CFPB, §1026.33—Requirements for reverse mortgages. https://www.consumerfinance.gov/rules-policy/regulations/1026/33/","Fresh: complete (a) definition and necessary comments, including default treatment. HTML.","Classification boundary only. No comprehensive reverse-mortgage disclosure, HUD/HECM, spouse, servicing, or program analysis. \nConsumer Financial Protection Bureau"],["R013-P1-S013","CFPB, §1026.25—Record retention. https://www.consumerfinance.gov/rules-policy/regulations/1026/25/","Fresh: (a), (b), comments 25(a)-1–4. HTML.","General two-year evidence rule and HELOC-specific evidence comment. Other mortgage-retention regimes are held. \nConsumer Financial Protection Bureau"],["R013-P1-S014","CFPB, Regulation B §1002.2—Definitions. https://www.consumerfinance.gov/rules-policy/regulations/1002/2/","Fresh: (c)(1)–(3), (e), (f), (j), (l), (m), necessary interpretations. HTML.","Current presentation. Existing-account adverse-action branch bounded; complete origination and business-credit procedures not redone. \nConsumer Financial Protection Bureau\n+1"],["R013-P1-S015","CFPB, Regulation B §1002.9—Notifications. https://www.consumerfinance.gov/rules-policy/regulations/1002/9/","Fresh: relevant (a)(1), (a)(2), (b), (d), (f), necessary comments including 9(b)(2)-9; business/incomplete-application provisions read only to bound adjacent branches. HTML.","Current presentation. Existing-account timing, content, reasons, oral exception, and multiple-applicant rules examined. FCRA not independently audited. \nConsumer Financial Protection Bureau\n+2"],["R013-P1-S016","CFPB, Regulation B §1002.4—General rules. https://www.consumerfinance.gov/rules-policy/regulations/1002/4/","Fresh: (a), necessary comment, and (d) form/electronic disclosure provisions. HTML.","Current presentation. Independent nondiscrimination and disclosure duties; no actual discrimination or creditworthiness decision. \nConsumer Financial Protection Bureau\n+1"]]},{"headers":["Source ID","Issuer / title / complete literal HTTPS URL","Exact provisions, printed page, PDF index, and read bounds","Version, effective predicate, and limits"],"index":4,"links":[{"href":"https://www.federalregister.gov/documents/2011/12/22/2011-31715/truth-in-lending-regulation-z?utm_source=chatgpt.com","text":"https://www.federalregister.gov/documents/2011/12/22/2011-31715/truth-in-lending-regulation-z"},{"href":"https://www.govinfo.gov/content/pkg/FR-2011-12-22/pdf/2011-31715.pdf","text":"https://www.govinfo.gov/content/pkg/FR-2011-12-22/pdf/2011-31715.pdf"},{"href":"https://www.federalregister.gov/documents/2021/12/08/2021-25825/facilitating-the-libor-transition-regulation-z?utm_source=chatgpt.com","text":"https://www.federalregister.gov/documents/2021/12/08/2021-25825/facilitating-the-libor-transition-regulation-z"},{"href":"https://www.govinfo.gov/content/pkg/FR-2021-12-08/pdf/2021-25825.pdf?utm_source=chatgpt.com","text":"https://www.govinfo.gov/content/pkg/FR-2021-12-08/pdf/2021-25825.pdf"},{"href":"https://www.federalregister.gov/documents/2021/12/08/2021-25825/facilitating-the-libor-transition-regulation-z?utm_source=chatgpt.com","text":"federalregister.gov\n+1"},{"href":"https://www.federalregister.gov/documents/2023/05/11/2023-09129/facilitating-the-libor-transition-consistent-with-the-libor-act-regulation-z?utm_source=chatgpt.com","text":"https://www.federalregister.gov/documents/2023/05/11/2023-09129/facilitating-the-libor-transition-consistent-with-the-libor-act-regulation-z"},{"href":"https://www.govinfo.gov/content/pkg/FR-2023-05-11/pdf/2023-09129.pdf?utm_source=chatgpt.com","text":"https://www.govinfo.gov/content/pkg/FR-2023-05-11/pdf/2023-09129.pdf"},{"href":"https://www.federalregister.gov/documents/2023/05/11/2023-09129/facilitating-the-libor-transition-consistent-with-the-libor-act-regulation-z?utm_source=chatgpt.com","text":"federalregister.gov\n+7"},{"href":"https://www.consumerfinance.gov/compliance/guidance/withdrawn-guidance/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/compliance/guidance/withdrawn-guidance/"},{"href":"https://www.consumerfinance.gov/compliance/guidance/withdrawn-guidance/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau\n+1"},{"href":"https://www.federalregister.gov/documents/2022/02/16/2022-03344/facilitating-the-libor-transition-regulation-z-correction","text":"https://www.federalregister.gov/documents/2022/02/16/2022-03344/facilitating-the-libor-transition-regulation-z-correction"},{"href":"https://www.federalregister.gov/d/2022-03344?utm_source=chatgpt.com","text":"federalregister.gov"},{"href":"https://www.ecfr.gov/current/title-12/chapter-II/subchapter-A/part-215/section-215.5?utm_source=chatgpt.com","text":"https://www.ecfr.gov/current/title-12/chapter-II/subchapter-A/part-215/section-215.5"},{"href":"https://www.ecfr.gov/current/title-12/chapter-II/subchapter-A/part-215/section-215.5?utm_source=chatgpt.com","text":"ecfr.gov\n+1"}],"row_links":[[],[{"href":"https://www.federalregister.gov/documents/2011/12/22/2011-31715/truth-in-lending-regulation-z?utm_source=chatgpt.com","text":"https://www.federalregister.gov/documents/2011/12/22/2011-31715/truth-in-lending-regulation-z"},{"href":"https://www.govinfo.gov/content/pkg/FR-2011-12-22/pdf/2011-31715.pdf","text":"https://www.govinfo.gov/content/pkg/FR-2011-12-22/pdf/2011-31715.pdf"}],[{"href":"https://www.federalregister.gov/documents/2021/12/08/2021-25825/facilitating-the-libor-transition-regulation-z?utm_source=chatgpt.com","text":"https://www.federalregister.gov/documents/2021/12/08/2021-25825/facilitating-the-libor-transition-regulation-z"},{"href":"https://www.govinfo.gov/content/pkg/FR-2021-12-08/pdf/2021-25825.pdf?utm_source=chatgpt.com","text":"https://www.govinfo.gov/content/pkg/FR-2021-12-08/pdf/2021-25825.pdf"},{"href":"https://www.federalregister.gov/documents/2021/12/08/2021-25825/facilitating-the-libor-transition-regulation-z?utm_source=chatgpt.com","text":"federalregister.gov\n+1"}],[{"href":"https://www.federalregister.gov/documents/2023/05/11/2023-09129/facilitating-the-libor-transition-consistent-with-the-libor-act-regulation-z?utm_source=chatgpt.com","text":"https://www.federalregister.gov/documents/2023/05/11/2023-09129/facilitating-the-libor-transition-consistent-with-the-libor-act-regulation-z"},{"href":"https://www.govinfo.gov/content/pkg/FR-2023-05-11/pdf/2023-09129.pdf?utm_source=chatgpt.com","text":"https://www.govinfo.gov/content/pkg/FR-2023-05-11/pdf/2023-09129.pdf"},{"href":"https://www.federalregister.gov/documents/2023/05/11/2023-09129/facilitating-the-libor-transition-consistent-with-the-libor-act-regulation-z?utm_source=chatgpt.com","text":"federalregister.gov\n+7"}],[{"href":"https://www.consumerfinance.gov/compliance/guidance/withdrawn-guidance/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/compliance/guidance/withdrawn-guidance/"},{"href":"https://www.consumerfinance.gov/compliance/guidance/withdrawn-guidance/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau\n+1"}],[{"href":"https://www.federalregister.gov/documents/2022/02/16/2022-03344/facilitating-the-libor-transition-regulation-z-correction","text":"https://www.federalregister.gov/documents/2022/02/16/2022-03344/facilitating-the-libor-transition-regulation-z-correction"},{"href":"https://www.federalregister.gov/d/2022-03344?utm_source=chatgpt.com","text":"federalregister.gov"}],[{"href":"https://www.ecfr.gov/current/title-12/chapter-II/subchapter-A/part-215/section-215.5?utm_source=chatgpt.com","text":"https://www.ecfr.gov/current/title-12/chapter-II/subchapter-A/part-215/section-215.5"},{"href":"https://www.ecfr.gov/current/title-12/chapter-II/subchapter-A/part-215/section-215.5?utm_source=chatgpt.com","text":"ecfr.gov\n+1"}]],"rows":[["Source ID","Issuer / title / complete literal HTTPS URL","Exact provisions, printed page, PDF index, and read bounds","Version, effective predicate, and limits"],["R013-P1-S017","CFPB/OFR, Truth in Lending (Regulation Z), 2011 interim final rule. https://www.federalregister.gov/documents/2011/12/22/2011-31715/truth-in-lending-regulation-z. Attempted official PDF: https://www.govinfo.gov/content/pkg/FR-2011-12-22/pdf/2011-31715.pdf","Fresh HTML: action, summary, Dates, transfer/republication explanation; selected §40 material. Printed start 76 FR 79768; eCFR source citation 79772. PDF retrieval failed; no PDF index read.","Published December 22, 2011; effective December 30, 2011. Historical republication, subsequently amended. HTML is the publisher’s XML rendition, not the official legal PDF. No full-document read claimed."],["R013-P1-S018","CFPB/OFR/GPO, Facilitating the LIBOR Transition (Regulation Z), 2021 final rule. https://www.federalregister.gov/documents/2021/12/08/2021-25825/facilitating-the-libor-transition-regulation-z; https://www.govinfo.gov/content/pkg/FR-2021-12-08/pdf/2021-25825.pdf","Fresh HTML: Dates and selected HELOC/index/notice discussion. Official PDF parsed first-page text, printed 69716, zero-based index 0. No claim to reading all 85 PDF pages.","Effective April 1, 2022, except identified Appendix H amendment effective October 1, 2023. Mandatory §9 change-notice compliance October 1, 2022; other provisions April 1, 2022. Historical text must be read with S019 and S021. \nfederalregister.gov\n+1"],["R013-P1-S019","CFPB/OFR/GPO, Facilitating the LIBOR Transition Consistent With the LIBOR Act, 2023 interim final rule. https://www.federalregister.gov/documents/2023/05/11/2023-09129/facilitating-the-libor-transition-consistent-with-the-libor-act-regulation-z; https://www.govinfo.gov/content/pkg/FR-2023-05-11/pdf/2023-09129.pdf","Fresh HTML: Dates; amendments to §2(a)(28), §40(f)(3)(ii)(B); complete revised §40(f)(3)(ii), (A), (B) comments. Printed 30598, 30622, 30625–30628. PDF parsed checks: index 0, 24, and portions of 27–30 covering those provisions; not every intervening PDF line independently re-read.","Effective May 15, 2023; comment deadline June 12, 2023 was not an effective-date delay. An interim final rule, not merely a proposal. Updated terminology and 12-month branch used to address S004’s mismatch. \nfederalregister.gov\n+7"],["R013-P1-S020","CFPB, Withdrawn Guidance register. https://www.consumerfinance.gov/compliance/guidance/withdrawn-guidance/","Fresh HTML: relevant advisory-opinion and circular entries, including existing-account revocations and adverse-action guidance; read relevant register portion, not every entry. No PDF pages.","Relevant entries list withdrawal on May 12, 2025. Used for publisher status only. No circular, bulletin, or advisory supplies a substantive conclusion here. \nConsumer Financial Protection Bureau\n+1"],["R013-P1-S021","CFPB/OFR, Facilitating the LIBOR Transition; Correction. https://www.federalregister.gov/documents/2022/02/16/2022-03344/facilitating-the-libor-transition-regulation-z-correction","Fresh complete relevant HTML body: summary, Dates, corrections to two preamble footnotes. 87 FR 8733. PDF not opened; index not applicable.","Effective February 16, 2022. Corrects hyperlinks/document reference in the 2021 preamble, not the focused freeze grounds. \nfederalregister.gov"],["R013-P1-S022","Federal Reserve/OFR/GPO, 12 CFR §215.5—Additional restrictions on loans to executive officers of member banks. https://www.ecfr.gov/current/title-12/chapter-II/subchapter-A/part-215/section-215.5","Fresh complete section, particularly opening scope and (d)(4), with (c) read for the cross-reference. HTML.","eCFR currency October 23, 2026. Bounded example of a particular federal written demand-condition requirement. Not a complete Regulation O analysis or an actual executive-officer determination. \necfr.gov\n+1"]]},{"headers":["Claim ID","Area and precise claim","Trigger, conditions, and exceptions","Source pinpoint","Status / limits"],"index":5,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Claim ID","Area and precise claim","Trigger, conditions, and exceptions","Source pinpoint","Status / limits"],["R013-P1-C001","§1026.40 is a rule for qualifying open-end consumer credit plans secured by a consumer’s dwelling. Home collateral alone is insufficient.","Apply general §1(c) coverage, relevant definitions, exemptions, and §40’s plan/security requirements together. Section 1(c) also recognizes specified special coverage and actor exclusions.","S003 introductory text; S004 comment 40-1; S005 §1(c)(1)–(3).","R/I; U. No product inferred from its marketing name."],["R013-P1-C002","Consumer credit principally concerns personal, family, or household purposes.","§2(a)(11) defines consumer; §2(a)(12) supplies the purpose test. Ordinary guarantors/sureties are not automatically consumers under that definition; rescission and trust rules have separate qualifications.","S006 §§2(a)(11)–(12), comments 2(a)(11)-1–3, 2(a)(12)-1.","R/I; U. No universal mechanical primary-purpose test."],["R013-P1-C003","The ordinary Regulation Z creditor test requires regular consumer-credit extension and initial-payee status, with the finance-charge/installment condition.","§2(a)(17)(i), (v): generally more than 25 extensions, or more than 5 dwelling-secured extensions, in the preceding calendar year; current-year test if the preceding-year test was not met. Separate high-cost and card-issuer provisions exist. Open-end counting concerns accounts, not every draw.","S006 §2(a)(17)(i), (iii)–(v), related comments.","R/I; U. No actor, volume, high-cost status, or payee finding."],["R013-P1-C004","Open-end classification requires all three features in §2(a)(20).","Repeated transactions reasonably contemplated; potential periodic finance charge on an outstanding balance; credit generally replenishes as balances are repaid. Labels and multiple advances alone do not suffice. Requiring a fresh credit application for each draw can contradict this structure; permitted verification is distinct.","S006 §2(a)(20)(i)–(iii), comments 1–6; §2(a)(10).","R/I; U. A closed-end home-equity loan is outside this §40 plan framework."],["R013-P1-C005","A qualifying dwelling need not be the principal dwelling or a first-lien residence.","§2(a)(19) covers a one-to-four-unit residential structure and specified residential units/mobile structures. Boats, mobile homes, and trailers used as residences can qualify; recreational use alone does not. Section 1637a(d) specially includes second/vacation homes for the listed statutory provisions.","S006 §2(a)(19), comments 1–3; S004 comment 40-1; S002 §1637a(d).","R/I/S; U. Principal-dwelling rules for rescission or other products are not imported."],["R013-P1-C006","Security must be established under the applicable definition and law.","§2(a)(25) requires a legally recognized interest securing performance; it excludes specified incidental interests, including proceeds, accessions, fixtures, insurance proceeds, premium rebates, and after-acquired-property interests. Operation-of-law interests have provision-specific treatment. A dragnet clause can bring later open-end credit within §40 unless effectively waived.","S006 §2(a)(25), comments 1–5; S004 comment 40-6.","R/I; U. Regulation Z does not itself create or validate a lien."],["R013-P1-C007","Primarily business, commercial, or agricultural credit is excluded by §3(a)(1).","The actual primary purpose controls; taking a home as collateral does not turn business credit into consumer credit. Mixed-purpose evaluation is factual.","S007 §3(a)(1), comments 3(a)-1–8; S006 §2(a)(12).","R/I; U. Business-credit rules under other laws remain separate."],["R013-P1-C008","Organizational credit generally is excluded, subject to the specific consumer-substance trust interpretations.","A natural-person guaranty or dwelling collateral does not alone defeat §3(a)(2). Tax/estate-planning trusts and described land trusts require the analysis in comments 3(a)-9–10.","S007 §3(a)(2), comments 9–10; S006 comment 2(a)(11)-3.","R/I; U. No entity or trust classification undertaken."],["R013-P1-C009","The amount exemption does not apply to credit secured by real property or by personal property used or expected as the principal dwelling.","For potentially exempt nonprincipal-dwelling personal-property credit, §3(b)’s open-end initial-extension/firm-written-commitment conditions matter. The displayed 2026 threshold is $73,400, January 1–December 31, 2026; later commitment changes can matter under the comments.","S007 §3(b); comments 3(b)-3.xvii and -4.","R/I; U. No actual amount test or future-year threshold determination."],["R013-P1-C010","Card access does not convert a HELOC into the defined non-home-secured credit-card account.","§2(a)(15)(ii)(A) expressly excludes a HELOC subject to §40 that is accessed by a credit card from that defined account category.","S006 §2(a)(15)(ii)(A); S010 §9(c)(1).","R; U. The non-home-secured card notice regime is not automatically applicable."],["R013-P1-C011","Historical plan dates can determine §40 applicability.","Comment 40-3 excludes plans entered before November 7, 1989, including the original consumer’s later renewals. Adding dwelling security on/after that date to an older line brings the substantive restrictions into play for the remainder, without new §40 disclosures. Consummation is contractual obligation under applicable law.","S004 comment 40-3; S006 §2(a)(13), comment 1.","I/H; U. Actual agreement, security-addition, and consummation dates held."],["R013-P1-C012","An originally agreed repayment phase remains subject to applicable open-end requirements.","Original repayment/fixed-conversion terms are disclosed under the open-end framework; §40(f) continues during the repayment phase. Ending scheduled draws is distinct from imposing a new exceptional freeze.","S004 comments 40-4 and 40-5.i.","I; U. No promised renewal or continued draw availability."],["R013-P1-C013","A later repayment agreement can create a closed-end transaction for the affected balance.","If repayment replenishes available credit, the open-end framework continues. If a new agreement provides repayment without replenishment, closed-end disclosures apply to that new transaction; remaining open-end credit retains its rules.","S004 comment 40-5.ii–iii.","I; U. A fixed rate alone does not decide the classification."],["R013-P1-C014","Reverse mortgages are not categorically outside every part of §40.","§33(a) defines a qualifying nonrecourse consumer obligation secured consensually by the principal dwelling, with advances and repayment tied, except for default, to specified death/transfer/occupancy events. An open-end reverse structure can remain a §40 plan.","S012 §33(a), comments; S003 §40(f)(2), (4); S018 printed 69716 n.2.","R/I; U. Closed-end reverse and program-specific branches remain distinct."],["R013-P1-C015","Qualifying reverse-mortgage early termination uses §40(f)(4).","Enumerated grounds: default; title transfer; cessation of use as the primary dwelling; death. “Default” is not independently defined into a universal federal deadline here.","S003 §40(f)(4)(i)–(iv); S012 §33(a), default comment.","R/I; U. HUD/HECM, spouse, cure, occupancy exceptions, and other law held."],["R013-P1-C016","§40(f) reaches contract language and conduct by the original creditor, assignee, and holder.","Applies during draw/repayment periods and renewals/modifications. For post-November 7, 1989 plans, a renewal at/before expiration by written agreement differs from a renewal after scheduled expiration, which is a new plan under comment 40-2.","S004 comments 40(f)-1 and 40-2.","I; U. No ownership, assignment, renewal, or maturity facts established."]]},{"headers":["Claim ID","Area and precise claim","Trigger, conditions, and exceptions","Source pinpoint","Status / limits"],"index":6,"links":[],"row_links":[[],[],[],[],[],[],[],[],[]],"rows":[["Claim ID","Area and precise claim","Trigger, conditions, and exceptions","Source pinpoint","Status / limits"],["R013-P1-C017","Ordinary early termination plus acceleration is limited to §40(f)(2)’s four grounds.","Fraud/material misrepresentation; repayment failure; consumer action/inaction adversely affecting security or security rights; the specified federal executive-officer demand-condition branch. Reverse transactions use (f)(4).","S003 §40(f)(2); S004 comment 40(f)(2)-1; S001 §1647(b).","R/I/S; U. Statute lists three ordinary grounds; the fourth is in the regulation. General demand-at-will and rate-cap acceleration clauses are not permitted."],["R013-P1-C018","Fraud or material misrepresentation must be attributable to the consumer and connected with the plan.","Can occur in application, draw, or repayment phases; omissions as well as affirmative acts may qualify. Applicable state law determines fraud/misrepresentation and any necessary intent.","S003 §40(f)(2)(i); S004 comment 40(f)(2)(i)-1.","R/I; U. An innocent or immaterial inaccuracy is not automatically this ground."],["R013-P1-C019","The repayment ground requires actual failure to make payments under the agreement.","The comment expressly rejects acceleration merely because a payment was mistakenly sent to a branch rather than the main office.","S003 §40(f)(2)(ii); S004 comment 40(f)(2)(ii)-1.","R/I; U. Actual amount, receipt, due date, application, and payment compliance held."],["R013-P1-C020","This repayment provision does not supply a universal cure period or override other-law duties.","Bankruptcy supports this particular acceleration branch only when repayment terms are not met. State or other law requiring cure notice or another prerequisite is preserved.","S004 comment 40(f)(2)(ii)-1.","I; U. No bankruptcy-stay, discharge, cure, or enforcement conclusion."],["R013-P1-C021","Security-based acceleration requires the rule’s adverse-security connection.","Consumer action/inaction must adversely affect the security or rights in it. The comment says third-party acts do not, in themselves, suffice.","S003 §40(f)(2)(iii); S004 comment 40(f)(2)(iii)-1.","R/I; U. General market decline is not silently substituted for consumer conduct."],["R013-P1-C022","The official security examples must be preserved with their qualifications.","Listed examples include unpermitted transfer/sale, failure of required insurance or taxes, permitting a senior lien, sole obligor’s death, eminent-domain taking, and prior-lien foreclosure. By contrast, judgment, waste, destructive use/maintenance failure, one of two obligors’ death, or moving out require the specified adverse-security effect; illegal use is illustrated where it exposes the property to seizure.","S004 comment 40(f)(2)(iii)-2.i–ii.","I; U. The express eminent-domain/foreclosure examples coexist with the third-party limitation; they do not authorize expansion to every third-party event."],["R013-P1-C023","The executive-officer branch requires a specifically applicable federal requirement and an initial-agreement provision.","§40(f)(2)(iv) is not a general employee or bank-policy exception. As a bounded example, §215.5(d)(4) requires specified member-bank executive credit to carry a written demand condition tied to outside-bank indebtedness exceeding the applicable category amount.","S003 §40(f)(2)(iv); S022 opening scope, (c), (d)(4).","R; U. Institution type, officer status, applicable category, outside indebtedness, and contract all held."],["R013-P1-C024","A valid acceleration event permits specified lesser actions instead.","Comment 40(f)(2)-2 includes temporary/permanent suspension, limit reduction, payment-term changes, or a fee; higher rates/fees can be provided for in the agreement in those circumstances. Delayed action requires a qualifying termination condition to exist when the later action is taken.","S004 comment 40(f)(2)-2.","I; U. This exception cannot be invoked solely because an ordinary temporary-freeze ground exists. Other law and applicable notices remain separate."]]},{"headers":["Claim ID","Area and precise claim","Trigger, conditions, and exceptions","Source pinpoint","Status / limits"],"index":7,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Claim ID","Area and precise claim","Trigger, conditions, and exceptions","Source pinpoint","Status / limits"],["R013-P1-C025","§40(f)(3)(vi) enumerates six temporary restriction grounds.","The exact grounds are addressed in C027–C034. Additional relevant routes are the reserved maximum-rate condition, a valid (f)(2) lesser action, or a proper specific consumer agreement/request.","S003 §40(f)(3)(i), (iii), (vi); S004 comments 40(f)(3)(vi)-1, -5.","R/I; U. No residual “creditor discretion” ground."],["R013-P1-C026","Limit-reduction authority cannot be used to force a higher payment by setting the limit below the outstanding balance.","The prohibition applies where the below-balance reduction would require the consumer to make a higher payment.","S004 comment 40(f)(3)(vi)-1.","I; U. No actual balance, limit, or payment calculation."],["R013-P1-C027","Collateral value must actually decline significantly below the appraisal value used for the plan.","A new appraisal is not mandatory under this provision, but the significant decline must occur before suspension. A general market concern is not the stated factual condition.","S003 §40(f)(3)(vi)(A); S004 comment 40(f)(3)(vi)-6.","R/I; U. No valuation method or actual property value approved."],["R013-P1-C028","The official illustration measures erosion of the initial equity cushion beyond the full line.","A reduction by half of the initial difference between available equity and the credit limit is sufficient in the comment. Significance otherwise varies with circumstances.","S004 comment 40(f)(3)(vi)-6.","I; U. Not a universal 50% property-price decline, 10% decline, or utilization test."],["R013-P1-C029","Financial deterioration requires two linked conditions.","There must be a material financial change and, because of it, a reasonable belief of inability to fulfill the plan’s repayment obligations. A substantial income decline is an example. Specific evidence such as failure to pay other debts may, but need not, be used. The comment separately identifies bankruptcy as permitting restriction under this branch.","S003 §40(f)(3)(vi)(B); S004 comment 40(f)(3)(vi)-7.","R/I; U. No particular report, score cutoff, income percentage, or individualized ability finding."],["R013-P1-C030","A score change or policy concern alone does not establish the two-part financial-change test.","The information must support the required material change and resulting reasonable belief, or another independently applicable ground.","C029; S004 comments 40(f)(3)(i)-2 and 40(f)(3)(vi)-1, -7.","INF; U. No categorical rule that a score can never be relevant."],["R013-P1-C031","Material-obligation default is its own restriction ground.","The obligation must be material and under the agreement. Comments permit specified events such as moving out or an intervening lien taking priority over future advances. Section 1647(c)(3) calls for a list of categories deemed material upon request and at agreement opening.","S003 §40(f)(3)(vi)(C); S004 comment -8; S001 §1647(c)(3).","R/I/S; U. A minor breach is not automatically material; this ground is not automatically an acceleration ground."],["R013-P1-C032","Government action preventing the agreed APR can support a temporary restriction.","The action must preclude imposition of the agreed APR. The comment’s example is an enacted state usury law that does so.","S003 §40(f)(3)(vi)(D); S004 comment -9.","R/I; U. Profitability, internal pricing preference, or a merely proposed law is insufficient on this rationale."],["R013-P1-C033","The government-priority ground has a specific causation and numerical condition.","Government action must adversely affect priority so that the value of the creditor’s security interest is less than 120% of the credit line.","S003 §40(f)(3)(vi)(E); S001 §1647(c)(2)(E)(ii).","R/S; U. This is not a universal loan-to-value ratio or a rule requiring 20% homeowner equity."],["R013-P1-C034","The unsafe-and-unsound ground requires notification from the creditor’s regulatory agency.","The notification must state that continued advances constitute an unsafe and unsound practice.","S003 §40(f)(3)(vi)(F).","R; U. An internal risk memorandum is not the stated agency notification."],["R013-P1-C035","Reaching the maximum APR supports restriction only through the specified initial contractual reservation.","The initial agreement must reserve freeze/reduction during the period the maximum is reached.","S003 §40(f)(3)(i); S004 comments 40(f)(3)(i)-1, 40(f)(2)-1.","R/I; U. Reaching the cap does not itself permit acceleration."],["R013-P1-C036","The ordinary temporary restriction must end when its supporting condition ends, absent another qualifying condition.","Credit privileges must be restored as soon as reasonably possible under the applicable reinstatement process.","S004 comments 40(f)(3)(vi)-2, -4.","I; U. Distinguish the valid-(f)(2) permanent-suspension alternative and an expired scheduled draw period."],["R013-P1-C037","The creditor can monitor or use the properly noticed consumer-request alternative.","Monitoring frequency must be adequate for the particular condition. Alternatively, §9(c)(1)(iii) notice may shift the duty to request reinstatement to the consumer; a writing requirement must be disclosed. On request, investigation must be prompt; under that alternative investigation is required upon request.","S004 comment 40(f)(3)(vi)-4; S010 comment 9(c)(1)(iii)-1.","I; U. No fixed 30-day reinstatement investigation period is supplied here."],["R013-P1-C038","Reinstatement investigation fees are narrowly limited.","If state law permits, only bona fide, reasonable appraisal/credit-report fees actually incurred in investigating continued existence of the condition may be collected. No reinstatement fee may be imposed once the condition is determined not to exist.","S004 comment 40(f)(3)(vi)-3.","I; U. No blanket administrative, processing, or reopening fee authorization."],["R013-P1-C039","A specific consumer-requested suspension has a separate reinstatement rule.","Reinstate on later request unless another ground exists. With multiple obligated consumers who can draw, the agreement may permit any to stop advances; the creditor may require all obligated persons to request reinstatement.","S004 comment 40(f)(3)(vi)-5.","I; U. No joint-party instructions or consent inferred."],["R013-P1-C040","General evidence-retention duties exist, but the rule does not prescribe a universal new-appraisal dossier.","§25(a) generally requires compliance evidence for two years after required disclosure/action, with agency extension possible. Comments cover evidence of actions and permit accurate reconstruction; the HELOC comment identifies written procedures and sample disclosure/contract as adequate evidence.","S013 §25(a), comments 1–4; C027.","R/I; U. No consumer document-demand right or case-specific evidentiary sufficiency finding established."]]},{"headers":["Claim ID","Area and precise claim","Trigger, conditions, and exceptions","Source pinpoint","Status / limits"],"index":8,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Claim ID","Area and precise claim","Trigger, conditions, and exceptions","Source pinpoint","Status / limits"],["R013-P1-C041","The general term-change prohibition reaches all plan features, not only required disclosures.","Ordinarily no new/increased fee, including a third-party fee, after opening. The comment separately permits passing through taxes and specified insurance-premium increases where the cited finance-charge exclusions apply.","S003 §40(f)(3); S004 comments 40(f)(3)-1–2; S001 §1647(c)(1).","R/I/S; U. Complete fee/APR/insurance classification is held."],["R013-P1-C042","An initial event-based change must specify both event and response.","General reservations to change any term are insufficient. The contract cannot substitute an expressly disallowed response—such as a margin increase for material financial deterioration or a freeze for insignificant value decline.","S004 comments 40(f)(3)(i)-1–2.","I; U. A signed boilerplate clause is not independent federal authority."],["R013-P1-C043","A change may unequivocally benefit the consumer throughout the remaining plan.","Additional options can be offered while existing options remain. The comment also permits temporary rate/fee reductions, with possible notice when original terms resume.","S003 §40(f)(3)(iv); S004 comment 40(f)(3)(iv)-1; S001 §1647(c)(4).","R/I/S; U. A creditor’s characterization of a restriction as beneficial is not dispositive."],["R013-P1-C044","Insignificant operational changes are permitted; substantive fee increases are not thereby permitted.","Examples include specified minor billing/index-measurement changes, subject to the comment’s qualifications; changing a late fee is not an insignificant change.","S003 §40(f)(3)(v); S004 comments 40(f)(3)(v)-1–2.","R/I; U. No actual operational change assessed."],["R013-P1-C045","A specified change may be made through specific written agreement at the time of change.","Continued account use is not assumed written consent. Even mutual agreement cannot authorize forbidden future index control or extra acceleration events. A new agreed limit does not confer unrestricted future reduction discretion.","S003 §40(f)(3)(iii); S004 comments 40(f)(3)(iii)-1–2.","R/I; U. Actual agreement and electronic-signature validity held."],["R013-P1-C046","Variable-rate changes ordinarily require a public index outside the creditor’s control.","The creditor’s own prime/cost-of-funds discretion is insufficient. A published prime rate can qualify even if the creditor contributes to it. Specifically agreed stepped/preferred-rate changes are separately recognized.","S003 §40(f)(1); S004 comments 40(f)(1)-1–3; S001 §1647(a).","R/I/S; U. No actual index or margin approved."],["R013-P1-C047","The general unavailable-index replacement route has cumulative conditions.","Original index unavailable; replacement historical fluctuations substantially similar; replacement index plus margin produces a substantially similar APR at unavailability. A newly established index lacks the history requirement but retains the rate comparison. Updated LIBOR comments specify comparison dates, including the prior common publication day where applicable and the Board-selected exception.","S003 §40(f)(3)(ii)(A); S019 comments 40(f)(3)(ii)(A)-1–3.","R/I; U. No free-standing repricing power or actual benchmark computation."],["R013-P1-C048","The LIBOR-specific route carries its own date predicates.","§40(f)(3)(ii)(B) permits qualifying replacement on/after April 1, 2022. It uses October 18, 2021 comparison values, or generally the next common publication day if needed; the Board-selected 1-, 3-, 6-, or 12-month replacement exception uses June 30, 2023 LIBOR and the replacement’s first publication value. Newly established-index and similar-APR conditions remain.","S003 §40(f)(3)(ii)(B); S019 operative amendment, printed 30622.","R/H; U. These benchmark dates are not consumer payment or cure deadlines."],["R013-P1-C049","Updated replacement comments contain specified similarity determinations while preserving contract limits.","Specified published-prime replacements and Board-selected replacements receive the stated historical-fluctuation treatment. Board-selected replacement with the unchanged margin receives the stated rate-comparison treatment. Under the (B) comment, the relevant prior margin is determined immediately before the replacement notice; equality on the effective day is not required. Neither route excuses contractual noncompliance.","S019 comments 40(f)(3)(ii)-1, (A)-2–3, (B)-1–3, printed 30625–30628.","I; U. Updated 2023 text used, not stale wording in S004."],["R013-P1-C050","Covered variable-rate dwelling credit must state a lifetime maximum interest rate in the contract.","§30 and its comments govern; increasing a credit limit or entering repayment does not itself permit raising the ceiling. Specified initial terms, qualifying new obligations, and renewal circumstances require their own analysis.","S011 §30 and comments, especially 11–12; S003 §40(d)(12)(ix), (f)(3)(i).","R/I; U. This is not a universal federal usury ceiling."]]},{"headers":["Claim ID","Area and precise claim","Trigger, conditions, and exceptions","Source pinpoint","Status / limits"],"index":9,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Claim ID","Area and precise claim","Trigger, conditions, and exceptions","Source pinpoint","Status / limits"],["R013-P1-C051","Early application disclosures identify possible creditor actions, but can offer the detailed conditions on request.","§40(d)(4) requires the possible termination/acceleration, freeze/reduction, and specified-change statements; the conditions may be supplied instead of the on-request statement.","S003 §40(d)(4)(i)–(iii); S004 related comments; S002 §1637a(a)(7).","R/I/S; U. Disclosure of a possibility is not proof that its condition occurred."],["R013-P1-C052","Account-opening disclosures require the actual list of applicable restriction/change conditions.","§6(a)(3)(i) and comment 1 require the list; it must be retainable. A highlighted contract or substantially similar regulatory description can serve as specified. The executive-officer condition in (f)(2)(iv) need not be stated under the cited disclosure comment.","S009 §6(a)(3), comments 1–4; S004 comment 40(d)(4)(iii)-1; S008 §5(a)(1), (b)(1)(i).","R/I; U. Before-first-transaction/obligation timing must be applied to actual events."],["R013-P1-C053","Application disclosures and brochure generally accompany provision of the application.","§40(b) allows the specified three-business-day mail/delivery alternative after receipt for telephone, publication, and intermediary applications. Denial or withdrawal within that permitted interval has the comment’s exception.","S003 §40(a)–(b), (e); S004 comments 40(b)-1–6.","R/I; U. Complete origination timing is outside this component."],["R013-P1-C054","Certain noncreditor application distributors have their own duties.","They provide the brochure and the plan disclosures when they have them; they need not obtain or create the creditor’s disclosures. The comment allocates these third-party duties separately.","S003 §40(c); S004 comment 40(c)-1; S005 §1(c)(3).","R/I; U. No distributor or agency relationship assumed."],["R013-P1-C055","Early §40 disclosures have specific written/electronic presentation rules.","Clear, conspicuous writing and applicable grouping/segregation rules apply. Electronic application access requires electronic provision on/with the application as specified; this stage has the stated E-Sign exception.","S003 §40(a)(1)–(3); S004 comments 40(a); S008 §5(a)(1)(iii).","R/I; U. This exception does not automatically govern later restriction notices."],["R013-P1-C056","A disclosed application-terms availability period is not a personal cure deadline or credit promise.","§40(d)(2)(i) permits a date or determinable period for obtaining disclosed terms and permits disclosure that terms may change. It does not require the creditor to guarantee all terms.","S003 §40(d)(2); S004 comments 40(d)(2)(i)-1–2.","R/I; U. No actual calendar calculation or availability assurance."],["R013-P1-C057","Covered (f)(3)(i)/(vi) restrictions require a written notice within three business days after action.","Creditor must mail or deliver notice to affected consumers, stating specific reasons. This is a post-action outer timing rule, not a universal advance waiting period.","S010 §9(c)(1)(iii).","R; U. No actual mailing, delivery, or deadline determination."],["R013-P1-C058","The restriction notice must disclose a consumer reinstatement-request requirement.","If reinstatement must be requested, say so; if the request must be written, the notice must also say so.","S010 §9(c)(1)(iii), comment 1; S004 comment 40(f)(3)(vi)-4.","R/I; U. A request requirement is not inferred from silence."],["R013-P1-C059","The (f)(2) lesser-action freeze has a specific §9(c)(1)(iii) notice exception.","Comment 9(c)(1)(iii)-2 says notice under that paragraph is unnecessary when freezing/reducing instead of otherwise permitted termination and acceleration.","S010 comment 9(c)(1)(iii)-2; C024.","I; U. Does not excuse Regulation B, another term-change notice, contract, or state law."],["R013-P1-C060","Other covered term changes normally use the 15-day advance rule.","§9(c)(1)(i) applies to changes in §6(a) terms or increased minimum payments. For agreed changes, its text removes the 15-day requirement but says notice before effectiveness. Comment 3 permits delivery as late as effectiveness in its specified default-charge or particular agreed-change circumstances.","S010 §9(c)(1)(i), comments 2–3, 6.","R/I; U. The text/comment timing distinction is preserved; no universal advance-notice waiver inferred."],["R013-P1-C061","Notice exceptions must be read with the express freeze-notice requirement.","Specified initially disclosed changes, charge reductions, and court-proceeding agreements have stated exceptions. General examples mentioning credit-limit/suspension changes do not erase §9(c)(1)(iii). On/after October 1, 2022, LIBOR margin reductions are not exempt from the specified replacement notice.","S010 comments 9(c)(1)-1; §9(c)(1)(ii)–(iii), comment (ii)-3.","R/I; U. No notice exception supplies substantive restriction authority."],["R013-P1-C062","Later written Regulation Z notices can be electronic only under applicable electronic-delivery requirements.","General §5(a)(1)(iii) treatment includes E-Sign consent/other applicable requirements; the early §40 exception cannot simply be transplanted.","S008 §5(a)(1)(iii); S010 §9(c)(1)(iii).","R; U. No consent, delivery medium, or receipt facts."],["R013-P1-C063","“Business day” here uses the creditor-business-functions definition.","For these §40/§9 requirements, §2(a)(6)’s general definition concerns days when offices are open for substantially all business functions. The special all-calendar-days-except-Sundays/holidays definition applies only to its enumerated provisions.","S006 §2(a)(6), comments.","R/I; U. No automatic weekend/holiday count."],["R013-P1-C064","Recipient analysis must combine the specific affected-consumer rule with general multiple-consumer rules.","Section 9 speaks to affected consumers; §5(d) generally permits disclosure to a primarily liable consumer when multiple consumers exist, with separate rescission treatment.","S010 §9(c)(1); S008 §5(d).","R; U. No conclusion about any actual co-obligor’s notice entitlement."],["R013-P1-C065","Notice compliance and restriction authority are separate inquiries.","A timely, accurate letter can still describe an unsupported restriction; a valid substantive ground can still be accompanied by a notice defect. State/instrument enforceability is another inquiry.","S003 §40(f); S010 §9(c)(1), comment 9(c)(1)-2.","INF; U. No “notice legalizes the action” conclusion."]]},{"headers":["Claim ID","Area and precise claim","Trigger, conditions, and exceptions","Source pinpoint","Status / limits"],"index":10,"links":[],"row_links":[[],[],[],[],[],[],[],[],[]],"rows":[["Claim ID","Area and precise claim","Trigger, conditions, and exceptions","Source pinpoint","Status / limits"],["R013-P1-C066","Regulation B uses its own coverage and actor definitions and includes existing credit.","“Applicant” includes someone who has received credit; creditor includes regular participation in credit decisions and participating assignees. Its credit scope is broader than Regulation Z.","S014 §§1002.2(e), (j), (l), (m), comments.","R/I; U. Regulation Z exclusion does not establish Regulation B exclusion."],["R013-P1-C067","A qualifying individual account termination or unfavorable change can be adverse action.","§1002.2(c)(1)(ii) excludes from that definition changes affecting all or substantially all of a class. Refusal of an applied-for increase is separately covered. An ordinary within-limit draw is not itself a new application under §2(f).","S014 §§2(c)(1)(ii)–(iii), 2(f).","R/I; U. Classification requires the actual action and exception analysis."],["R013-P1-C068","Regulation B’s adverse-action exclusions are specific.","They include expressly agreed changes; action tied to inactivity/default/delinquency of that account; the qualified point-of-sale/loan transaction exception; law-prohibited extensions; and credit types not offered. Paragraph (c)(2) governs overlap. Past default generally does not equal current default for the comment’s exception.","S014 §2(c)(2)–(3), comments 2(c)(2)(ii)-1–2.","R/I; U. Another debt’s default or a class-wide policy does not itself supply §40 authority."],["R013-P1-C069","Qualifying existing-account adverse action ordinarily requires notice within 30 days after action.","Written content under §9(a)(2): action, creditor and enforcement-agency information, ECOA statement, plus reasons or the right to obtain reasons. Under the latter route, request within 60 days and statement within 30 days; oral reasons carry the stated written-confirmation right.","S015 §9(a)(1)(iii), (a)(2)(i)–(ii).","R; U. These are separate triggers, not a 30-day advance freeze notice or reinstatement deadline."],["R013-P1-C070","Reasons must identify actual principal reasons with adequate specificity.","Merely invoking internal policy or failure to reach a qualifying score is insufficient under §9(b)(2). Credit-score factors or a report-use notice do not themselves satisfy the ECOA reasons requirement.","S015 §9(b)(2), comments 1–9.","R/I; U. No score or underwriting decision reviewed."],["R013-P1-C071","Regulation B has relevant form/recipient exceptions.","Section 9(d) permits oral notifications for creditors receiving no more than 150 applications in the preceding calendar year. Section 9(f) allows notice to one applicant, the primary applicant where readily apparent.","S015 §9(d), (f).","R; U. “Every adverse-action notice must always be written to every person” would be overbroad."],["R013-P1-C072","Regulation B disclosure compliance does not establish nondiscrimination compliance.","Section 4(a) independently prohibits discrimination on a prohibited basis in any aspect of a credit transaction. Required written disclosures follow §4(d), including applicable electronic requirements.","S016 §4(a), (d); S014 §2(m).","R/I; U. No actual discriminatory treatment or liability finding."],["R013-P1-C073","Draw rights and payment obligations must be analyzed separately.","A freeze addresses future extensions; it does not itself cancel the existing repayment obligation. Timely payments defeat reliance on actual missed payments as a ground but do not resolve a different, adequately supported restriction ground.","S003 §40(f)(2)–(3); S004 comments 40-5 and 40(f)(2)(ii)-1.","INF; U. No available-credit promise, debt discharge, or amount-due determination."]]},{"headers":["Claim ID","Precise claim","Trigger / conditions / exceptions","Source pinpoint","Status / limits"],"index":11,"links":[],"row_links":[[],[],[],[],[],[],[],[],[]],"rows":[["Claim ID","Precise claim","Trigger / conditions / exceptions","Source pinpoint","Status / limits"],["R013-P1-C074","The inspected eCFR currency date was October 23, 2026; access occurred October 27.","Title-level currency is not the section’s legal effective date.","S003 displayed metadata; S022 same title metadata.","OBS. Complete intervening amendment audit not claimed."],["R013-P1-C075","The statutory compilation reported coverage through Pub. L. 119-120, October 7, 2026.","That compilation statement is not a full later session-law check.","S001–S002 displayed version statements.","OBS. October 8–27 statutory lag audit held."],["R013-P1-C076","The 2011 CFPB republication took effect December 30, 2011.","Publication was December 22; the preamble describes transfer/republication with technical changes.","S017 Dates and introductory explanation, 76 FR 79768.","H. Does not replace the earlier plan-date transition in C011."],["R013-P1-C077","The 2021 LIBOR rule separated effective and mandatory-compliance dates.","April 1, 2022 general effectiveness; October 1, 2022 specified notice compliance; October 1, 2023 identified Appendix H amendment.","S018 Dates, 86 FR 69716, PDF index 0.","H. The Appendix H branch is not a HELOC freeze deadline."],["R013-P1-C078","The 2023 LIBOR amendment became effective May 15, 2023.","Its request for comments did not make the adopted text merely proposed. It revised Board-selected benchmark and 12-month language.","S019 Dates; §2(a)(28), §40(f)(3)(ii)(B), revised comments.","H/current incorporated text, subject to source limits."],["R013-P1-C079","The relevant 2022 existing-account advisory is listed as withdrawn May 12, 2025.","Relevant adverse-action circulars are also listed as withdrawn. No substantive reliance on those documents occurs here.","S020 relevant register entries.","Withdrawn guidance status. Underlying rules were separately read; withdrawal is not treated as repeal."],["R013-P1-C080","Two source-access/version issues remain bounded and visible.","Complete consolidated eCFR Supplement I could not be retrieved; CFPB’s §40 LIBOR comments showed older wording. The necessary 2023 amended comments were read directly, but this is not a full supplement amendment comparison.","S004 and S019.","OBS / partial currentness verification. No inference that failed retrieval means no rule."],["R013-P1-C081","The 2022 LIBOR correction fixed two preamble references.","Effective February 16, 2022; the correction’s body addresses hyperlinks/document identification.","S021 complete relevant correction body, 87 FR 8733.","H. No new freeze or acceleration ground derived from it."]]},{"headers":["Step","Calculation","Meaning"],"index":12,"links":[],"row_links":[[],[],[],[],[],[]],"rows":[["Step","Calculation","Meaning"],["1","Original appraisal $100,000 − first mortgage $50,000 = $50,000 available equity","Equity before accounting for the full HELOC limit"],["2","Available equity $50,000 − full credit limit $30,000 = $20,000 initial cushion","The relevant initial difference"],["3","$20,000 × 50% = $10,000","Half the original cushion"],["4","Lower value $90,000 − first mortgage $50,000 − full credit limit $30,000 = $10,000 remaining cushion","The cushion has been reduced by half"],["5","$100,000 − $90,000 = $10,000 value decline","In this example, that is a 10% property-value decline—not a universal legal cutoff"]]},{"headers":["Event","Actor and recipient","Rule’s period or trigger","Delivery / content","Boundary"],"index":13,"links":[],"row_links":[[],[],[],[],[],[],[],[],[]],"rows":[["Event","Actor and recipient","Rule’s period or trigger","Delivery / content","Boundary"],["Provision of a covered application","Creditor to consumer; separate distributor duties can apply","Generally at application provision; specified alternatives within 3 business days after receipt","§40 disclosures and brochure; applicable written/electronic presentation","Not an approval promise; C051–C055"],["Account opening / initial transaction","Creditor to consumer under applicable recipient rules","§5(b)(1)(i) initial-disclosure timing","Retainable account disclosures, including actual condition list","Not merely an offer to provide the list later; C052"],["Freeze/reduction under (f)(3)(i) or (vi)","Creditor to affected consumer(s), with §5(d) considered","No later than 3 business days after action","Mail/deliver written specific reasons; disclose request/writing requirements","Not a universal advance-notice period; C057–C064"],["Lesser freeze instead of valid (f)(2) termination","Creditor","§9(c)(1)(iii)’s specific exception","No notice required under that paragraph","Other notices remain separate; C059"],["Other covered term change","Creditor to affected consumer(s)","Generally 15 days before effectiveness; specified exceptions","Written change notice","Preserve rule/comment timing qualifications; C060–C061"],["Reinstatement investigation","Creditor, through monitoring or properly noticed request process","Adequate monitoring; prompt investigation on a triggering request; restoration as soon as reasonably possible","No universal numerical investigation period stated here","Not automatically 30 days; C036–C039"],["Existing-account Regulation B adverse action","Regulation B creditor to applicable applicant recipient","Ordinarily 30 days after action","Required content; written unless applicable exception","Separate classification and exception analysis; C066–C072"],["Regulation B reasons-request route","Creditor responding to applicant","Request within 60 days of notification; reasons within 30 days; specified written-confirmation provision for oral reasons","Actual principal reasons","No actual request or deadline determined; C069–C070"]]},{"headers":["Example ID / branch","Stipulated facts","Rule-specific result versus unknown","Evidence needed in any later authorized application","Adverse misclassification to avoid"],"index":14,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Example ID / branch","Stipulated facts","Rule-specific result versus unknown","Evidence needed in any later authorized application","Adverse misclassification to avoid"],["R013-P1-E001 — Closed-end excluded","A single nonreplenishing home-equity loan is correctly classified as closed-end.","§40’s HELOC restriction framework does not govern that loan. Its own default/servicing rules remain unknown. C004, C013.","Legal obligation and advance/replenishment structure.","Calling every home-equity loan a HELOC."],["R013-P1-E002 — Business purpose","Credit is primarily for business purposes although secured by a residence.","§3(a)(1) excludes it from this consumer-plan framework. Other federal/state rules remain open. C007, C066.","Actual primary purpose and relevant agreement terms.","Treating home collateral as proof of consumer purpose."],["R013-P1-E003 — Unsupported decline","A restriction cites a general market concern, with no established significant decline in the securing dwelling.","The stipulated evidence does not establish (f)(3)(vi)(A). Other grounds are unknown. C027.","Plan appraisal baseline, subsequent information, method and date.","Equating any market movement or unsupported estimate with the required decline."],["R013-P1-E004 — Qualifying significant decline","Reliable stipulated information establishes the official half-cushion condition; no other issue is assumed.","A temporary value-based restriction condition is supported. Acceleration is not thereby established. C027–C028, C036.","Baseline value, full line, relevant prior lien, changed value.","Requiring a 50% house-price collapse or treating the example’s 10% as universal."],["R013-P1-E005 — Financial change plus reasonable belief","A material income reduction is established, and information reasonably connects it to inability to meet plan payments.","The two-part financial-change condition is supported. Actual notice, duration, and other-law compliance remain open. C029.","Changed circumstances, information available at action, reasoning connecting change to repayment.","Omitting either the material change or the reasonable-belief link."],["R013-P1-E006 — Score change alone","Only a lower score is stipulated; no material financial change or reasonable inability finding is established.","The score fact alone does not establish the full (B) test. C029–C030.","Actual underlying changes and repayment implications.","Treating a score movement as an automatic statutory trigger."],["R013-P1-E007 — Material obligation default","A genuine material agreement obligation is breached, but adverse effect on security is not stipulated.","The material-default restriction branch may be supported; the security-based acceleration ground remains unestablished. C021, C031.","Obligation text, materiality, breach, and any distinct security effect.","Converting every material draw-restriction default into acceleration."],["R013-P1-E008 — Government APR restriction","Effective government action actually prevents the agreed APR.","The (D) restriction condition is supported during that condition. State preemption and contract application are not decided. C032.","Operative government text, effective trigger, applicability.","Treating a proposal, profitability concern, or policy preference as government prohibition."],["R013-P1-E009 — Government priority impairment","Government action impairs priority and satisfies the rule’s less-than-120%-of-line condition.","The (E) condition is supported. No priority adjudication or foreclosure right follows. C033.","Government action, priority effect, security-interest value, credit line, dates.","Recasting the rule as an ordinary 80% LTV test."],["R013-P1-E010 — Regulatory direction","The creditor’s regulator actually notifies it that continued advances are unsafe and unsound.","The (F) condition is supported, subject to scope and duration. C034.","Actual regulatory instruction, applicability, date, continuing effect.","Substituting an internal risk committee’s view for agency notification."],["R013-P1-E011 — Creditor-policy-only freeze","A new portfolio policy is the only reason; no enumerated ground, valid acceleration event, or specific consumer agreement exists.","The stipulated policy alone does not supply §40 restriction authority. C025, C042.","Ground-specific information and applicable contract provisions.","Assuming all-account treatment or policy consistency legalizes a freeze."],["R013-P1-E012 — Condition ceases","The original temporary condition has ended, no other ground exists, and the applicable reinstatement-request process has been satisfied.","Restoration duty applies as soon as reasonably possible. No fixed individual deadline is calculated. C036–C037.","Cessation evidence, other-ground review, notice/request sequence.","Keeping an ordinary temporary restriction indefinitely or promising instant credit."],["R013-P1-E013 — Termination ground versus draw freeze","Significant value decline exists, but none of the ordinary acceleration grounds is established.","The decline may support temporary draw restriction; it does not itself establish acceleration. C017, C027.","Separate facts for any asserted (f)(2) ground.","Using a freeze condition as an automatic balance-due-in-full event."],["R013-P1-E014 — Notice given, authority unknown","A specific, timely restriction letter was delivered; its underlying factual basis is not established.","Notice compliance may be supported; substantive authority remains unknown. C057, C065.","Ground evidence and contract/state analysis, independently of the letter.","Treating the notice as proof that the action was authorized."],["R013-P1-E015 — Timely payments, separate freeze issue","All required payments are timely; a separate significant collateral decline is stipulated.","Missed-payment acceleration is unavailable on these facts; the separate temporary restriction condition can still be tested. C019, C027, C073.","Payment compliance and independent value-ground evidence.","Assuming current payments guarantee continued draws, or that a freeze cancels payments."],["R013-P1-E016 — Reverse-mortgage branch","The obligation meets §33(a)’s reverse definition and is structured as open-end credit.","Use §40(f)(4) for its termination conditions; do not declare all of §40 inapplicable. Program-specific limitations remain unknown. C014–C015.","Product terms, nonrecourse/security/occupancy features, applicable program.","Applying ordinary HELOC acceleration rules without the reverse exception."],["R013-P1-E017 — Maximum rate reached","The maximum APR is reached and the initial agreement specifically reserves temporary draw restriction.","The cap-based restriction route is supported; cap-based acceleration is not. C017, C035.","Initial reservation, cap terms, rate event, duration.","Treating a contractual rate ceiling as a demand-loan trigger."],["R013-P1-E018 — Nonmaterial inaccuracy","An inaccuracy is stipulated to be nonmaterial and not fraud under applicable law.","The fraud/material-misrepresentation ground is not established by that fact. C018.","Statement/omission, significance, applicable legal elements and required intent.","Treating every incorrect application statement as fraud."],["R013-P1-E019 — Payment sent to wrong office","Payment was mistakenly sent to a branch rather than the main office; no actual payment failure is otherwise established.","The official comment rejects acceleration merely on that basis. C019–C020.","Payment transmission, receipt, posting, agreement, other-law requirements.","Replacing actual nonpayment with a technical routing error."],["R013-P1-E020 — Continued use treated as consent","The consumer keeps using the line after a unilateral change but provides no specific written agreement.","Continued use does not satisfy §40(f)(3)(iii)’s written-agreement condition. C045.","Specific contemporaneous agreement and applicable signature evidence.","Importing a general state-law acceptance-by-use theory into this federal exception."],["R013-P1-E021 — Reinstatement fee","The condition is established to have ended, but a charge is demanded simply to restore the line.","The comment prohibits that reinstatement fee. Actual investigation costs have a separate narrow test. C038.","Fee purpose, actual cost, condition determination, applicable state law.","Rebranding a reopening charge as an allowable appraisal fee."],["R013-P1-E022 — Judgment without security effect","A judgment exists, but its amount and collateral reach are stipulated not to impair the creditor’s security.","The security-based acceleration example is not satisfied merely by the judgment’s existence. C021–C022.","Judgment’s legal effect, relevant collateral and amount—only in a separately authorized inquiry.","Treating any judgment or third-party event as automatic acceleration authority."]]},{"headers":["Audit field","Blank entry","Rule question / reference"],"index":15,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Audit field","Blank entry","Rule question / reference"],["Primary credit purpose","_____","Consumer versus business; C002, C007"],["Natural-person / organizational / trust structure","_____","C002, C008"],["Open-end plan features","_____","Repeated transactions, periodic charge, replenishment; C004"],["Closed-end or later conversion features","_____","C004, C013"],["Dwelling classification and residential use","_____","C005"],["Principal-dwelling relevance","_____","Coverage versus other product rules; C005, C009, C014"],["Security type and legal recognition","_____","C006"],["First/subordinate lien or dragnet feature","_____","C005–C006"],["Creditor / assignee / holder role","_____","C003, C016"],["Amount-exemption predicate, if relevant","_____","C009"],["Original agreement / consummation date category","_____","C011"],["Renewal, expiration, security-addition, or modification date category","_____","C011–C013, C016"],["Draw period and repayment period","_____","C012"],["Initial restriction/change reservations","_____","C035, C042"],["Action classified: freeze / reduction / termination / acceleration / scheduled phase change","_____","C017, C024–C025"],["Exact claimed federal ground","_____","C018–C035"],["Action date and governing rule version","_____","C074–C081"],["Source of information supporting the ground","_____","C027–C034, C040"],["Information date and what was known when action occurred","_____","Ground-specific factual timing"],["Plan appraisal baseline and significant-decline analysis","_____","C027–C028"],["Material financial change","_____","First part of C029"],["Reasonable-belief link to repayment inability","_____","Second part of C029"],["Agreement obligation and why material","_____","C031"],["Repayment obligation and actual alleged failure","_____","C019–C020"],["Actor causing security effect","_____","C021–C022"],["Nature and extent of adverse security/right effect","_____","C021–C022"],["Government action / agency notification and applicability","_____","C023, C032–C034"],["Initial maximum-rate reservation and cap event","_____","C035, C050"],["Initial disclosures and actual condition list","_____","C051–C055"],["Later notice provision and exception claimed","_____","C057–C061"],["Notice content, dispatch/delivery, medium, and recipient basis","_____","C057–C064"],["Electronic-consent basis, if applicable","_____","C055, C062, C072"],["Applicable business-day definition and triggering event","_____","C063; no date calculation entered"],["Independent Regulation B classification and exception","_____","C066–C071"],["Contractual/state/other-law cure requirements","_____","C020; held"],["Continuing condition / cessation evidence","_____","C036"],["Monitoring versus noticed request procedure","_____","C037"],["Reinstatement request and investigation sequence","_____","C037, C039"],["Investigation fee purpose, actual cost, and state-law permission","_____","C038"],["Any other independently continuing restriction ground","_____","C036–C037"],["Contract/state enforceability and remedies questions","_____","Held; no determination"],["Unresolved source/version issue","_____","C074–C081"],["Separate parent question requiring later assignment","_____","Parent holds below"]]},{"headers":["Coverage item","Disposition and claim/example links","Exact missing authority or facts","Next bounded permissible investigation"],"index":16,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Coverage item","Disposition and claim/example links","Exact missing authority or facts","Next bounded permissible investigation"],["Consumer-credit purpose","Answered conditionally — C001–C002, C007; E002","Actual use/purpose and mixed-purpose facts","Generic §3(a) analysis of a supplied, de-identified product description"],["Open-end versus closed-end","Answered — C004, C013; E001","Actual legal replenishment and advance conditions","Compare generic plan terms to §2(a)(20)"],["Dwelling versus principal dwelling","Answered — C005","Residential-use facts; which separate principal-dwelling rule matters","Examine only the relevant generic definition branch"],["First versus second lien","Answered for §40 coverage — C005–C006","Actual security and priority facts","Generic instrument/security classification; no priority adjudication"],["Manufactured/mobile/boat residence","Answered at definition level — C005, C009","Residential use, attachment, principal use, amount-exemption facts","Bound a later product-specific definition inquiry"],["Legally recognized security; incidental interests","Partial / facts held — C006","Applicable state/federal recognition and instrument scope","Published jurisdiction-specific law if separately assigned"],["Dragnet / cross-collateralization","Answered conditionally — C006","Whether clause applies or was effectively waived","Generic contract-clause comparison"],["Ordinary creditor and special card roles","Answered at federal definition level — C003, C010","Initial payee, regularity, special class, statutory actor exclusion","Read only an identified generic actor-class exception if necessary"],["Business credit","Excluded from this §40 consumer branch when established — C007; E002","Actual primary purpose","Separate generic business-credit assignment"],["Organization / trust","Answered with exceptions — C008","Legal structure and consumer substance","Generic trust/organizational classification"],["Amount exemption","Answered conditionally — C009","Relevant period, security type, initial extension/commitment","Period-specific official threshold and commitment analysis"],["Card-access HELOC versus non-home-secured card","Answered — C010","Actual account structure","No complete credit-card regime investigation in this pass"],["Historical plan and security-addition dates","Answered conditionally — C011","Original entry, renewal, security-addition dates","Historical official version for a stipulated date category"],["Draw/repayment phases and later conversion","Answered — C012–C013","Original versus later terms; replenishment","Generic clause-level classification"],["Reverse-mortgage definition","Answered at boundary level — C014; E016","Nonrecourse, principal security, payment-event structure","Product-specific §33 study if separately assigned"],["Reverse termination / government program","Partial — C015; E016","Applicable HUD/HECM or other program; spouse/occupancy/cure facts","Official program rules only after a bounded program assignment"],["Fraud/material misrepresentation","Answered federal condition; state elements held — C018; E018","Required state elements, intent, materiality, actual conduct","Published law of a specified jurisdiction, without case-record searches"],["Actual repayment failure","Answered — C019; E019","Actual obligation and payment facts","Generic payment/default clause analysis"],["Cure and timing before acceleration","Partial / held — C020","State, instrument, insolvency, other-law duties","Separate jurisdiction/product cure research; no personal deadline"],["Security impairment and actor","Answered federal test — C021–C022; E022","Causation, collateral/right affected, actual impairment","Generic legal-effect analysis under identified applicable law"],["Third-party events and official examples","Answered with preserved qualifications — C021–C022","Actual fit with an express example and other law","No expansion beyond the published examples without authority"],["Executive-officer federal demand condition","Partial, bounded — C023","Actor/program coverage, category, required condition, initial clause","Complete generic Regulation O branch only if needed"],["Lesser action instead of acceleration","Answered — C024; E013","Valid ground existing at action time","Compare stipulated grounds and action; preserve notice branches"],["Unsupported versus significant value decline","Answered — C027–C028; E003–E004","Baseline, reliable changed value, significance facts","Generic methodology only; no property lookup"],["Financial change plus reasonable inability belief","Answered — C029–C030; E005–E006","Material change and contemporaneous causal reasoning","Generic evidence-category review, no score/report query"],["Material-obligation default","Answered conditionally — C031; E007","Material agreement term, breach, required category disclosure","Generic obligation and disclosure comparison"],["Government APR restriction","Answered conditionally — C032; E008","Operative applicable law, preclusion, duration","Published government-action text only"],["Government priority impairment","Answered conditionally — C033; E009","Government causation, priority effect, security-value/line predicate","Separate generic priority-law study; no title/record search"],["Regulatory unsafe-and-unsound direction","Answered conditionally — C034; E010","Applicable regulator notification and continuing scope","Public generic regulatory text if relevant; no institution query"],["Creditor-policy-only restriction","Answered — C025, C042; E011","Any genuinely separate permitted ground","No general policy exception inferred"],["Maximum-rate condition","Answered — C035, C050; E017","Initial reservation, maximum, event and duration","Generic rate-cap clause analysis"],["Temporary duration and cessation","Answered — C036; E012","When condition ended; other grounds; draw-period status","Generic reinstatement sequencing"],["Monitoring/request alternatives","Answered — C037, C058","Proper notice, request, investigation sequence","Compare blank/generic notice wording"],["Reinstatement charges","Answered — C038; E021","Actual incurred cost, fee purpose, state law","Separate generic state fee rule if assigned"],["Consumer-requested/multiple-consumer freeze","Answered — C039","Agreement permissions and request requirements","Generic joint-obligation clause analysis"],["Documentation and retention","Answered within §25(a) — C040","Actual compliance evidence; other applicable retention rules","No broad discovery or records-request branch in this pass"],["Contractual change limits","Answered — C041–C045; E020","Exact existing and proposed clauses","Generic clause comparison"],["Variable index and replacement","Answered to necessary conditions — C046–C049","Actual index, contract, margin, replacement date","Separate numerical transition audit only if expressly assigned"],["Lifetime maximum rate","Answered at governing-rule level — C050","Initial cap and permitted-change facts","No APR/points/usury calculation here"],["Early application disclosure","Answered to focused content/timing — C051, C053–C056","Distribution method and application event","Blank disclosure review, without full underwriting redo"],["Opening condition list","Answered — C052","Actual list, retainability, timing","Generic account-opening document review"],["Later restriction notice","Answered — C057–C059; E014","Ground, action date, dispatch, content, recipient","Blank notice comparison; no actual deadline"],["Other changes / 15-day rule","Answered with text/comment qualification — C060–C061","Change type, agreement, exception","Narrow clause-specific notice analysis"],["Electronic delivery / recipients / business days","Answered conditionally — C062–C064","Consent, medium, liable-party roles, business schedule","Generic delivery requirements only"],["Regulation B adverse-action classification","Answered, bounded — C066–C068","Class-wide effect, exception, application versus account action","Separate classification of stipulated generic facts"],["Regulation B content, timing, exceptions","Answered, bounded — C069–C071","Applicable actor exception and notice path","Blank notice review; no complete origination investigation"],["Nondiscrimination / FCRA","Partial / held — C070, C072","Actual discrimination evidence; complete FCRA authority and facts","Separate official-source assignment; no report or person query"],["Draw rights versus payments","Answered — C073; E015","Actual repayment and draw terms","No balance, credit-availability, or discharge determination"],["Currentness and selected history","Answered with explicit gaps — C074–C081","Full intervening law audit and complete supplement comparison","Additional public primary version comparison, if assigned"],["Guidance withdrawal","Answered for materials identified — C079","No substantive reliance on advisory/circular content","Recheck register and publisher if a future assignment would use guidance"],["Opinions, standing, remedies, litigation","Excluded / preserved","No consequential opinion was necessary here; actual jurisdiction/remedy facts absent","Separate published-opinion research only if material; no dockets"],["Remaining A013 dimensions","Unresolved by design","All broader product, servicing, foreclosure, deficiency, loss-mitigation, and other parent matters","Separate focused component; no parent closure"]]},{"headers":["Log item","What actually happened","Consequence for this report"],"index":17,"links":[{"href":"https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section1647&num=0&edition=prelim&utm_source=chatgpt.com","text":"https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section1647&num=0&edition=prelim"},{"href":"https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section1637a&num=0&edition=prelim","text":"https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section1637a&num=0&edition=prelim"}],"row_links":[[],[],[{"href":"https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section1647&num=0&edition=prelim&utm_source=chatgpt.com","text":"https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section1647&num=0&edition=prelim"},{"href":"https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section1637a&num=0&edition=prelim","text":"https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section1637a&num=0&edition=prelim"}],[],[],[],[],[],[],[],[],[]],"rows":[["Log item","What actually happened","Consequence for this report"],["Core operative reading","Complete §1026.40 operative body was read, including all four termination branches, all six (f)(3)(vi) grounds, the maximum-rate provision, contractual exceptions, and reverse branch. Necessary official comments were read as bodies.","Main conclusions do not rest on search snippets, headnotes, or a consumer summary."],["Statutory preliminary-route failure","The initial §1647 preliminary route returned maintenance content: https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section1647&num=0&edition=prelim. The analogous §1637a route failed: https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section1637a&num=0&edition=prelim.","Bodies were recovered through the specific OLRC compilation URLs in S001–S002. No “no statute” inference."],["Consolidated Supplement I failure","The eCFR supplement URL in S004 returned a content-length error, exceeding the retrieval limit.","No claim of a full consolidated eCFR supplement read. Necessary CFPB comments and the published 2023 amendments were read separately."],["CFPB embedded-comment defect","§6(a)(3)-1 appeared as a placeholder in the regulation page.","Separate official interpretation page supplied the actual text; this gap was repaired."],["CFPB LIBOR version mismatch","The §40 interpretation page’s displayed LIBOR comments used older ARRC/1-year wording; the current rule and 2023 amendment use Board-selected/12-month wording.","S019’s actual amendment and updated comments control the discussion here. No silent assumption that a “current” label guarantees perfect consolidation."],["2011 official PDF failure","The GovInfo PDF in S017 could not be fetched because the response was too large; the tool reported 40,909,875 bytes.","Effective-date and republication discussion relies on the freshly read publisher HTML. Official PDF verification remains a precise gap."],["2021 and 2023 PDFs","Official PDFs were retrieved and specified parsed portions read.","Parsed text only; no pixel inspection, full-form review, or full-document reading claim."],["Discovery searches","Searches surfaced historical versions, unrelated rules referencing Part 1026, proposed/RFI material, and secondary results.","Those discoveries were not used as operative body authority or as proof of current legal status."],["Guidance check","The relevant withdrawn-guidance entries were read.","No advisory, circular, bulletin, or informal FAQ supplies the substantive framework."],["Opinions / records","No published opinion was needed for the conclusions reached; no case-record or docket-status query was performed.","No holding, posture, disposition, later-history, standing, remedy, or filing conclusion is implied."],["Reuse","Sources were reopened during this pass to verify exact clauses, dates, and missing text.","Same-document repetitions are not counted as independent review or corroboration; no saved report was reused."]]},{"headers":["Assigned question","Claim and example links","Principal source links"],"index":18,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Assigned question","Claim and example links","Principal source links"],["1. Establish consumer/open-end/dwelling/security/creditor coverage and precise exclusions","C001–C016; E001–E002, E016","S001–S007, S012, S018"],["2. Complete termination/acceleration conditions; actor, materiality, security effect, timing, cure","C017–C024; E013, E018–E019, E022","S001, S003–S004, S022"],["3. Complete freeze/reduction grounds; actual decline, material change, belief, government predicates","C025–C035; E003–E011, E017","S001, S003–S004"],["3. Duration, reinstatement, monitoring/request alternatives, charges, documentation","C036–C040; E012, E021","S004, S010, S013"],["4. Contract changes, discretion, variable index, maximum rate","C041–C050; E017, E020","S001, S003–S004, S011, S018–S019"],["4. Initial disclosures and later restriction/change notices","C051–C065; E014","S002–S004, S006, S008–S010"],["4. Bounded Regulation B and nondiscrimination distinction","C066–C072; E011, E014","S014–S016, S020"],["5. Freeze versus acceleration; draws versus payments; excluded branches","C004–C016, C024–C039, C073; E001–E022","S003–S004, S006–S007, S012"],["Currentness, selected history, withdrawal, access/version gaps","C074–C081; source and failure registers","S001–S004, S017–S021"],["Audit worksheet and preservation of parent questions","Sections 7–8 and parent holds below","Derived from the cited conditions; not a new legal authority"]]},{"headers":["Check","Result"],"index":19,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Check","Result"],["Coverage before application","The analysis separately tests consumer purpose, open-end structure, dwelling/security, creditor status, exemptions, and historical dates."],["Complete principal restriction grounds","All §40(f)(2)(i)–(iv), (f)(3)(vi)(A)–(F), maximum-rate, and reverse-termination branches are identified."],["Actor and causation","Consumer conduct, government action, regulatory notification, and internal creditor policy are distinguished."],["Materiality","Material misrepresentation, material financial change, and material obligation default are not treated as interchangeable."],["Temporary versus permanent","Ordinary condition-based restrictions are distinguished from the valid-acceleration lesser-action exception."],["Payment versus drawing","No freeze is treated as payment forgiveness, and current payments are not treated as a guarantee of future advances."],["Notice versus authority","Regulation Z, Regulation B, and contract/state enforceability remain separate inquiries."],["Numeric discipline","Only actual published thresholds/periods and the official generic equity illustration are used. No individual amount or calendar deadline is calculated."],["Source discipline","Operative primary bodies and necessary comments were read; discovery-only material is not a foundation."],["Currentness discipline","Access dates, compilation currency, effective dates, historical predicates, withdrawn guidance, and unverified status questions are distinguished."],["Access honesty","Failed retrievals, repaired placeholders, the LIBOR mismatch, and parsed-text-only PDF reading are disclosed."],["Owner limits","No identifiers, records searches, actual credit decision, foreclosure determination, filing, contact, publication, subagent, or local coordinator artifact."]]}],"claims":[{"claim_id":"R013-P1-C001","area_numbers":[13],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R013-P1-C001","Area and precise claim":"§1026.40 is a rule for qualifying open-end consumer credit plans secured by a consumer’s dwelling. Home collateral alone is insufficient.","Trigger, conditions, and exceptions":"Apply general §1(c) coverage, relevant definitions, exemptions, and §40’s plan/security requirements together. Section 1(c) also recognizes specified special coverage and actor exclusions.","Source pinpoint":"S003 introductory text; S004 comment 40-1; S005 §1(c)(1)–(3).","Status / limits":"R/I; U. No product inferred from its marketing name."},"coordinator_verification_status":"Whole atomic claim and limitations read; selected consequential primary checks only, not all-claim current-law or actual-application acceptance."},{"claim_id":"R013-P1-C002","area_numbers":[13],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R013-P1-C002","Area and precise claim":"Consumer credit principally concerns personal, family, or household purposes.","Trigger, conditions, and exceptions":"§2(a)(11) defines consumer; §2(a)(12) supplies the purpose test. Ordinary guarantors/sureties are not automatically consumers under that definition; rescission and trust rules have separate qualifications.","Source pinpoint":"S006 §§2(a)(11)–(12), comments 2(a)(11)-1–3, 2(a)(12)-1.","Status / limits":"R/I; U. No universal mechanical primary-purpose test."},"coordinator_verification_status":"Whole atomic claim and limitations read; selected consequential primary checks only, not all-claim current-law or actual-application acceptance."},{"claim_id":"R013-P1-C003","area_numbers":[13],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R013-P1-C003","Area and precise claim":"The ordinary Regulation Z creditor test requires regular consumer-credit extension and initial-payee status, with the finance-charge/installment condition.","Trigger, conditions, and exceptions":"§2(a)(17)(i), (v): generally more than 25 extensions, or more than 5 dwelling-secured extensions, in the preceding calendar year; current-year test if the preceding-year test was not met. Separate high-cost and card-issuer provisions exist. Open-end counting concerns accounts, not every draw.","Source pinpoint":"S006 §2(a)(17)(i), (iii)–(v), related comments.","Status / limits":"R/I; U. No actor, volume, high-cost status, or payee finding."},"coordinator_verification_status":"Whole atomic claim and limitations read; selected consequential primary checks only, not all-claim current-law or actual-application acceptance."},{"claim_id":"R013-P1-C004","area_numbers":[13],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R013-P1-C004","Area and precise claim":"Open-end classification requires all three features in §2(a)(20).","Trigger, conditions, and exceptions":"Repeated transactions reasonably contemplated; potential periodic finance charge on an outstanding balance; credit generally replenishes as balances are repaid. Labels and multiple advances alone do not suffice. Requiring a fresh credit application for each draw can contradict this structure; permitted verification is distinct.","Source pinpoint":"S006 §2(a)(20)(i)–(iii), comments 1–6; §2(a)(10).","Status / limits":"R/I; U. A closed-end home-equity loan is outside this §40 plan framework."},"coordinator_verification_status":"Whole atomic claim and limitations read; selected consequential primary checks only, not all-claim current-law or actual-application acceptance."},{"claim_id":"R013-P1-C005","area_numbers":[13],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R013-P1-C005","Area and precise claim":"A qualifying dwelling need not be the principal dwelling or a first-lien residence.","Trigger, conditions, and exceptions":"§2(a)(19) covers a one-to-four-unit residential structure and specified residential units/mobile structures. Boats, mobile homes, and trailers used as residences can qualify; recreational use alone does not. Section 1637a(d) specially includes second/vacation homes for the listed statutory provisions.","Source pinpoint":"S006 §2(a)(19), comments 1–3; S004 comment 40-1; S002 §1637a(d).","Status / limits":"R/I/S; U. Principal-dwelling rules for rescission or other products are not imported."},"coordinator_verification_status":"Whole atomic claim and limitations read; selected consequential primary checks only, not all-claim current-law or actual-application acceptance."},{"claim_id":"R013-P1-C006","area_numbers":[13],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R013-P1-C006","Area and precise claim":"Security must be established under the applicable definition and law.","Trigger, conditions, and exceptions":"§2(a)(25) requires a legally recognized interest securing performance; it excludes specified incidental interests, including proceeds, accessions, fixtures, insurance proceeds, premium rebates, and after-acquired-property interests. Operation-of-law interests have provision-specific treatment. A dragnet clause can bring later open-end credit within §40 unless effectively waived.","Source pinpoint":"S006 §2(a)(25), comments 1–5; S004 comment 40-6.","Status / limits":"R/I; U. Regulation Z does not itself create or validate a lien."},"coordinator_verification_status":"Whole atomic claim and limitations read; selected consequential primary checks only, not all-claim current-law or actual-application acceptance."},{"claim_id":"R013-P1-C007","area_numbers":[13],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R013-P1-C007","Area and precise claim":"Primarily business, commercial, or agricultural credit is excluded by §3(a)(1).","Trigger, conditions, and exceptions":"The actual primary purpose controls; taking a home as collateral does not turn business credit into consumer credit. Mixed-purpose evaluation is factual.","Source pinpoint":"S007 §3(a)(1), comments 3(a)-1–8; S006 §2(a)(12).","Status / limits":"R/I; U. Business-credit rules under other laws remain separate."},"coordinator_verification_status":"Whole atomic claim and limitations read; selected consequential primary checks only, not all-claim current-law or actual-application acceptance."},{"claim_id":"R013-P1-C008","area_numbers":[13],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R013-P1-C008","Area and precise claim":"Organizational credit generally is excluded, subject to the specific consumer-substance trust interpretations.","Trigger, conditions, and exceptions":"A natural-person guaranty or dwelling collateral does not alone defeat §3(a)(2). Tax/estate-planning trusts and described land trusts require the analysis in comments 3(a)-9–10.","Source pinpoint":"S007 §3(a)(2), comments 9–10; S006 comment 2(a)(11)-3.","Status / limits":"R/I; U. No entity or trust classification undertaken."},"coordinator_verification_status":"Whole atomic claim and limitations read; selected consequential primary checks only, not all-claim current-law or actual-application acceptance."},{"claim_id":"R013-P1-C009","area_numbers":[13],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R013-P1-C009","Area and precise claim":"The amount exemption does not apply to credit secured by real property or by personal property used or expected as the principal dwelling.","Trigger, conditions, and exceptions":"For potentially exempt nonprincipal-dwelling personal-property credit, §3(b)’s open-end initial-extension/firm-written-commitment conditions matter. The displayed 2026 threshold is $73,400, January 1–December 31, 2026; later commitment changes can matter under the comments.","Source pinpoint":"S007 §3(b); comments 3(b)-3.xvii and -4.","Status / limits":"R/I; U. No actual amount test or future-year threshold determination."},"coordinator_verification_status":"Whole atomic claim and limitations read; selected consequential primary checks only, not all-claim current-law or actual-application acceptance."},{"claim_id":"R013-P1-C010","area_numbers":[13],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R013-P1-C010","Area and precise claim":"Card access does not convert a HELOC into the defined non-home-secured credit-card account.","Trigger, conditions, and exceptions":"§2(a)(15)(ii)(A) expressly excludes a HELOC subject to §40 that is accessed by a credit card from that defined account category.","Source pinpoint":"S006 §2(a)(15)(ii)(A); S010 §9(c)(1).","Status / limits":"R; U. The non-home-secured card notice regime is not automatically applicable."},"coordinator_verification_status":"Whole atomic claim and limitations read; selected consequential primary checks only, not all-claim current-law or actual-application acceptance."},{"claim_id":"R013-P1-C011","area_numbers":[13],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R013-P1-C011","Area and precise claim":"Historical plan dates can determine §40 applicability.","Trigger, conditions, and exceptions":"Comment 40-3 excludes plans entered before November 7, 1989, including the original consumer’s later renewals. Adding dwelling security on/after that date to an older line brings the substantive restrictions into play for the remainder, without new §40 disclosures. Consummation is contractual obligation under applicable law.","Source pinpoint":"S004 comment 40-3; S006 §2(a)(13), comment 1.","Status / limits":"I/H; U. Actual agreement, security-addition, and consummation dates held."},"coordinator_verification_status":"Whole atomic claim and limitations read; selected consequential primary checks only, not all-claim current-law or actual-application acceptance."},{"claim_id":"R013-P1-C012","area_numbers":[13],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R013-P1-C012","Area and precise claim":"An originally agreed repayment phase remains subject to applicable open-end requirements.","Trigger, conditions, and exceptions":"Original repayment/fixed-conversion terms are disclosed under the open-end framework; §40(f) continues during the repayment phase. Ending scheduled draws is distinct from imposing a new exceptional freeze.","Source pinpoint":"S004 comments 40-4 and 40-5.i.","Status / limits":"I; U. No promised renewal or continued draw availability."},"coordinator_verification_status":"Whole atomic claim and limitations read; selected consequential primary checks only, not all-claim current-law or actual-application acceptance."},{"claim_id":"R013-P1-C013","area_numbers":[13],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R013-P1-C013","Area and precise claim":"A later repayment agreement can create a closed-end transaction for the affected balance.","Trigger, conditions, and exceptions":"If repayment replenishes available credit, the open-end framework continues. If a new agreement provides repayment without replenishment, closed-end disclosures apply to that new transaction; remaining open-end credit retains its rules.","Source pinpoint":"S004 comment 40-5.ii–iii.","Status / limits":"I; U. A fixed rate alone does not decide the classification."},"coordinator_verification_status":"Whole atomic claim and limitations read; selected consequential primary checks only, not all-claim current-law or actual-application acceptance."},{"claim_id":"R013-P1-C014","area_numbers":[13],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R013-P1-C014","Area and precise claim":"Reverse mortgages are not categorically outside every part of §40.","Trigger, conditions, and exceptions":"§33(a) defines a qualifying nonrecourse consumer obligation secured consensually by the principal dwelling, with advances and repayment tied, except for default, to specified death/transfer/occupancy events. An open-end reverse structure can remain a §40 plan.","Source pinpoint":"S012 §33(a), comments; S003 §40(f)(2), (4); S018 printed 69716 n.2.","Status / limits":"R/I; U. Closed-end reverse and program-specific branches remain distinct."},"coordinator_verification_status":"Whole atomic claim and limitations read; selected consequential primary checks only, not all-claim current-law or actual-application acceptance."},{"claim_id":"R013-P1-C015","area_numbers":[13],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R013-P1-C015","Area and precise claim":"Qualifying reverse-mortgage early termination uses §40(f)(4).","Trigger, conditions, and exceptions":"Enumerated grounds: default; title transfer; cessation of use as the primary dwelling; death. “Default” is not independently defined into a universal federal deadline here.","Source pinpoint":"S003 §40(f)(4)(i)–(iv); S012 §33(a), default comment.","Status / limits":"R/I; U. HUD/HECM, spouse, cure, occupancy exceptions, and other law held."},"coordinator_verification_status":"Whole atomic claim and limitations read; selected consequential primary checks only, not all-claim current-law or actual-application acceptance."},{"claim_id":"R013-P1-C016","area_numbers":[13],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R013-P1-C016","Area and precise claim":"§40(f) reaches contract language and conduct by the original creditor, assignee, and holder.","Trigger, conditions, and exceptions":"Applies during draw/repayment periods and renewals/modifications. For post-November 7, 1989 plans, a renewal at/before expiration by written agreement differs from a renewal after scheduled expiration, which is a new plan under comment 40-2.","Source pinpoint":"S004 comments 40(f)-1 and 40-2.","Status / limits":"I; U. No ownership, assignment, renewal, or maturity facts established."},"coordinator_verification_status":"Whole atomic claim and limitations read; selected consequential primary checks only, not all-claim current-law or actual-application acceptance."},{"claim_id":"R013-P1-C017","area_numbers":[13],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R013-P1-C017","Area and precise claim":"Ordinary early termination plus acceleration is limited to §40(f)(2)’s four grounds.","Trigger, conditions, and exceptions":"Fraud/material misrepresentation; repayment failure; consumer action/inaction adversely affecting security or security rights; the specified federal executive-officer demand-condition branch. Reverse transactions use (f)(4).","Source pinpoint":"S003 §40(f)(2); S004 comment 40(f)(2)-1; S001 §1647(b).","Status / limits":"R/I/S; U. Statute lists three ordinary grounds; the fourth is in the regulation. General demand-at-will and rate-cap acceleration clauses are not permitted."},"coordinator_verification_status":"Whole atomic claim and limitations read; selected consequential primary checks only, not all-claim current-law or actual-application acceptance."},{"claim_id":"R013-P1-C018","area_numbers":[13],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R013-P1-C018","Area and precise claim":"Fraud or material misrepresentation must be attributable to the consumer and connected with the plan.","Trigger, conditions, and exceptions":"Can occur in application, draw, or repayment phases; omissions as well as affirmative acts may qualify. Applicable state law determines fraud/misrepresentation and any necessary intent.","Source pinpoint":"S003 §40(f)(2)(i); S004 comment 40(f)(2)(i)-1.","Status / limits":"R/I; U. An innocent or immaterial inaccuracy is not automatically this ground."},"coordinator_verification_status":"Whole atomic claim and limitations read; selected consequential primary checks only, not all-claim current-law or actual-application acceptance."},{"claim_id":"R013-P1-C019","area_numbers":[13],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R013-P1-C019","Area and precise claim":"The repayment ground requires actual failure to make payments under the agreement.","Trigger, conditions, and exceptions":"The comment expressly rejects acceleration merely because a payment was mistakenly sent to a branch rather than the main office.","Source pinpoint":"S003 §40(f)(2)(ii); S004 comment 40(f)(2)(ii)-1.","Status / limits":"R/I; U. Actual amount, receipt, due date, application, and payment compliance held."},"coordinator_verification_status":"Whole atomic claim and limitations read; selected consequential primary checks only, not all-claim current-law or actual-application acceptance."},{"claim_id":"R013-P1-C020","area_numbers":[13],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R013-P1-C020","Area and precise claim":"This repayment provision does not supply a universal cure period or override other-law duties.","Trigger, conditions, and exceptions":"Bankruptcy supports this particular acceleration branch only when repayment terms are not met. State or other law requiring cure notice or another prerequisite is preserved.","Source pinpoint":"S004 comment 40(f)(2)(ii)-1.","Status / limits":"I; U. No bankruptcy-stay, discharge, cure, or enforcement conclusion."},"coordinator_verification_status":"Whole atomic claim and limitations read; selected consequential primary checks only, not all-claim current-law or actual-application acceptance."},{"claim_id":"R013-P1-C021","area_numbers":[13],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R013-P1-C021","Area and precise claim":"Security-based acceleration requires the rule’s adverse-security connection.","Trigger, conditions, and exceptions":"Consumer action/inaction must adversely affect the security or rights in it. The comment says third-party acts do not, in themselves, suffice.","Source pinpoint":"S003 §40(f)(2)(iii); S004 comment 40(f)(2)(iii)-1.","Status / limits":"R/I; U. General market decline is not silently substituted for consumer conduct."},"coordinator_verification_status":"Whole atomic claim and limitations read; selected consequential primary checks only, not all-claim current-law or actual-application acceptance."},{"claim_id":"R013-P1-C022","area_numbers":[13],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R013-P1-C022","Area and precise claim":"The official security examples must be preserved with their qualifications.","Trigger, conditions, and exceptions":"Listed examples include unpermitted transfer/sale, failure of required insurance or taxes, permitting a senior lien, sole obligor’s death, eminent-domain taking, and prior-lien foreclosure. By contrast, judgment, waste, destructive use/maintenance failure, one of two obligors’ death, or moving out require the specified adverse-security effect; illegal use is illustrated where it exposes the property to seizure.","Source pinpoint":"S004 comment 40(f)(2)(iii)-2.i–ii.","Status / limits":"I; U. The express eminent-domain/foreclosure examples coexist with the third-party limitation; they do not authorize expansion to every third-party event."},"coordinator_verification_status":"Whole atomic claim and limitations read; selected consequential primary checks only, not all-claim current-law or actual-application acceptance."},{"claim_id":"R013-P1-C023","area_numbers":[13],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R013-P1-C023","Area and precise claim":"The executive-officer branch requires a specifically applicable federal requirement and an initial-agreement provision.","Trigger, conditions, and exceptions":"§40(f)(2)(iv) is not a general employee or bank-policy exception. As a bounded example, §215.5(d)(4) requires specified member-bank executive credit to carry a written demand condition tied to outside-bank indebtedness exceeding the applicable category amount.","Source pinpoint":"S003 §40(f)(2)(iv); S022 opening scope, (c), (d)(4).","Status / limits":"R; U. Institution type, officer status, applicable category, outside indebtedness, and contract all held."},"coordinator_verification_status":"Whole atomic claim and limitations read; selected consequential primary checks only, not all-claim current-law or actual-application acceptance."},{"claim_id":"R013-P1-C024","area_numbers":[13],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R013-P1-C024","Area and precise claim":"A valid acceleration event permits specified lesser actions instead.","Trigger, conditions, and exceptions":"Comment 40(f)(2)-2 includes temporary/permanent suspension, limit reduction, payment-term changes, or a fee; higher rates/fees can be provided for in the agreement in those circumstances. Delayed action requires a qualifying termination condition to exist when the later action is taken.","Source pinpoint":"S004 comment 40(f)(2)-2.","Status / limits":"I; U. This exception cannot be invoked solely because an ordinary temporary-freeze ground exists. Other law and applicable notices remain separate."},"coordinator_verification_status":"Whole atomic claim and limitations read; selected consequential primary checks only, not all-claim current-law or actual-application acceptance."},{"claim_id":"R013-P1-C025","area_numbers":[13],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R013-P1-C025","Area and precise claim":"§40(f)(3)(vi) enumerates six temporary restriction grounds.","Trigger, conditions, and exceptions":"The exact grounds are addressed in C027–C034. Additional relevant routes are the reserved maximum-rate condition, a valid (f)(2) lesser action, or a proper specific consumer agreement/request.","Source pinpoint":"S003 §40(f)(3)(i), (iii), (vi); S004 comments 40(f)(3)(vi)-1, -5.","Status / limits":"R/I; U. No residual “creditor discretion” ground."},"coordinator_verification_status":"Whole atomic claim and limitations read; selected consequential primary checks only, not all-claim current-law or actual-application acceptance."},{"claim_id":"R013-P1-C026","area_numbers":[13],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R013-P1-C026","Area and precise claim":"Limit-reduction authority cannot be used to force a higher payment by setting the limit below the outstanding balance.","Trigger, conditions, and exceptions":"The prohibition applies where the below-balance reduction would require the consumer to make a higher payment.","Source pinpoint":"S004 comment 40(f)(3)(vi)-1.","Status / limits":"I; U. No actual balance, limit, or payment calculation."},"coordinator_verification_status":"Whole atomic claim and limitations read; selected consequential primary checks only, not all-claim current-law or actual-application acceptance."},{"claim_id":"R013-P1-C027","area_numbers":[13],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R013-P1-C027","Area and precise claim":"Collateral value must actually decline significantly below the appraisal value used for the plan.","Trigger, conditions, and exceptions":"A new appraisal is not mandatory under this provision, but the significant decline must occur before suspension. A general market concern is not the stated factual condition.","Source pinpoint":"S003 §40(f)(3)(vi)(A); S004 comment 40(f)(3)(vi)-6.","Status / limits":"R/I; U. No valuation method or actual property value approved."},"coordinator_verification_status":"Whole atomic claim and limitations read; selected consequential primary checks only, not all-claim current-law or actual-application acceptance."},{"claim_id":"R013-P1-C028","area_numbers":[13],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R013-P1-C028","Area and precise claim":"The official illustration measures erosion of the initial equity cushion beyond the full line.","Trigger, conditions, and exceptions":"A reduction by half of the initial difference between available equity and the credit limit is sufficient in the comment. Significance otherwise varies with circumstances.","Source pinpoint":"S004 comment 40(f)(3)(vi)-6.","Status / limits":"I; U. Not a universal 50% property-price decline, 10% decline, or utilization test."},"coordinator_verification_status":"Whole atomic claim and limitations read; selected consequential primary checks only, not all-claim current-law or actual-application acceptance."},{"claim_id":"R013-P1-C029","area_numbers":[13],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R013-P1-C029","Area and precise claim":"Financial deterioration requires two linked conditions.","Trigger, conditions, and exceptions":"There must be a material financial change and, because of it, a reasonable belief of inability to fulfill the plan’s repayment obligations. A substantial income decline is an example. Specific evidence such as failure to pay other debts may, but need not, be used. The comment separately identifies bankruptcy as permitting restriction under this branch.","Source pinpoint":"S003 §40(f)(3)(vi)(B); S004 comment 40(f)(3)(vi)-7.","Status / limits":"R/I; U. No particular report, score cutoff, income percentage, or individualized ability finding."},"coordinator_verification_status":"Whole atomic claim and limitations read; selected consequential primary checks only, not all-claim current-law or actual-application acceptance."},{"claim_id":"R013-P1-C030","area_numbers":[13],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R013-P1-C030","Area and precise claim":"A score change or policy concern alone does not establish the two-part financial-change test.","Trigger, conditions, and exceptions":"The information must support the required material change and resulting reasonable belief, or another independently applicable ground.","Source pinpoint":"C029; S004 comments 40(f)(3)(i)-2 and 40(f)(3)(vi)-1, -7.","Status / limits":"INF; U. No categorical rule that a score can never be relevant."},"coordinator_verification_status":"Whole atomic claim and limitations read; selected consequential primary checks only, not all-claim current-law or actual-application acceptance."},{"claim_id":"R013-P1-C031","area_numbers":[13],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R013-P1-C031","Area and precise claim":"Material-obligation default is its own restriction ground.","Trigger, conditions, and exceptions":"The obligation must be material and under the agreement. Comments permit specified events such as moving out or an intervening lien taking priority over future advances. Section 1647(c)(3) calls for a list of categories deemed material upon request and at agreement opening.","Source pinpoint":"S003 §40(f)(3)(vi)(C); S004 comment -8; S001 §1647(c)(3).","Status / limits":"R/I/S; U. A minor breach is not automatically material; this ground is not automatically an acceleration ground."},"coordinator_verification_status":"Whole atomic claim and limitations read; selected consequential primary checks only, not all-claim current-law or actual-application acceptance."},{"claim_id":"R013-P1-C032","area_numbers":[13],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R013-P1-C032","Area and precise claim":"Government action preventing the agreed APR can support a temporary restriction.","Trigger, conditions, and exceptions":"The action must preclude imposition of the agreed APR. The comment’s example is an enacted state usury law that does so.","Source pinpoint":"S003 §40(f)(3)(vi)(D); S004 comment -9.","Status / limits":"R/I; U. Profitability, internal pricing preference, or a merely proposed law is insufficient on this rationale."},"coordinator_verification_status":"Whole atomic claim and limitations read; selected consequential primary checks only, not all-claim current-law or actual-application acceptance."},{"claim_id":"R013-P1-C033","area_numbers":[13],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R013-P1-C033","Area and precise claim":"The government-priority ground has a specific causation and numerical condition.","Trigger, conditions, and exceptions":"Government action must adversely affect priority so that the value of the creditor’s security interest is less than 120% of the credit line.","Source pinpoint":"S003 §40(f)(3)(vi)(E); S001 §1647(c)(2)(E)(ii).","Status / limits":"R/S; U. This is not a universal loan-to-value ratio or a rule requiring 20% homeowner equity."},"coordinator_verification_status":"Whole atomic claim and limitations read; selected consequential primary checks only, not all-claim current-law or actual-application acceptance."},{"claim_id":"R013-P1-C034","area_numbers":[13],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R013-P1-C034","Area and precise claim":"The unsafe-and-unsound ground requires notification from the creditor’s regulatory agency.","Trigger, conditions, and exceptions":"The notification must state that continued advances constitute an unsafe and unsound practice.","Source pinpoint":"S003 §40(f)(3)(vi)(F).","Status / limits":"R; U. An internal risk memorandum is not the stated agency notification."},"coordinator_verification_status":"Whole atomic claim and limitations read; selected consequential primary checks only, not all-claim current-law or actual-application acceptance."},{"claim_id":"R013-P1-C035","area_numbers":[13],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R013-P1-C035","Area and precise claim":"Reaching the maximum APR supports restriction only through the specified initial contractual reservation.","Trigger, conditions, and exceptions":"The initial agreement must reserve freeze/reduction during the period the maximum is reached.","Source pinpoint":"S003 §40(f)(3)(i); S004 comments 40(f)(3)(i)-1, 40(f)(2)-1.","Status / limits":"R/I; U. Reaching the cap does not itself permit acceleration."},"coordinator_verification_status":"Whole atomic claim and limitations read; selected consequential primary checks only, not all-claim current-law or actual-application acceptance."},{"claim_id":"R013-P1-C036","area_numbers":[13],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R013-P1-C036","Area and precise claim":"The ordinary temporary restriction must end when its supporting condition ends, absent another qualifying condition.","Trigger, conditions, and exceptions":"Credit privileges must be restored as soon as reasonably possible under the applicable reinstatement process.","Source pinpoint":"S004 comments 40(f)(3)(vi)-2, -4.","Status / limits":"I; U. Distinguish the valid-(f)(2) permanent-suspension alternative and an expired scheduled draw period."},"coordinator_verification_status":"Whole atomic claim and limitations read; selected consequential primary checks only, not all-claim current-law or actual-application acceptance."},{"claim_id":"R013-P1-C037","area_numbers":[13],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R013-P1-C037","Area and precise claim":"The creditor can monitor or use the properly noticed consumer-request alternative.","Trigger, conditions, and exceptions":"Monitoring frequency must be adequate for the particular condition. Alternatively, §9(c)(1)(iii) notice may shift the duty to request reinstatement to the consumer; a writing requirement must be disclosed. On request, investigation must be prompt; under that alternative investigation is required upon request.","Source pinpoint":"S004 comment 40(f)(3)(vi)-4; S010 comment 9(c)(1)(iii)-1.","Status / limits":"I; U. No fixed 30-day reinstatement investigation period is supplied here."},"coordinator_verification_status":"Whole atomic claim and limitations read; selected consequential primary checks only, not all-claim current-law or actual-application acceptance."},{"claim_id":"R013-P1-C038","area_numbers":[13],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R013-P1-C038","Area and precise claim":"Reinstatement investigation fees are narrowly limited.","Trigger, conditions, and exceptions":"If state law permits, only bona fide, reasonable appraisal/credit-report fees actually incurred in investigating continued existence of the condition may be collected. No reinstatement fee may be imposed once the condition is determined not to exist.","Source pinpoint":"S004 comment 40(f)(3)(vi)-3.","Status / limits":"I; U. No blanket administrative, processing, or reopening fee authorization."},"coordinator_verification_status":"Whole atomic claim and limitations read; selected consequential primary checks only, not all-claim current-law or actual-application acceptance."},{"claim_id":"R013-P1-C039","area_numbers":[13],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R013-P1-C039","Area and precise claim":"A specific consumer-requested suspension has a separate reinstatement rule.","Trigger, conditions, and exceptions":"Reinstate on later request unless another ground exists. With multiple obligated consumers who can draw, the agreement may permit any to stop advances; the creditor may require all obligated persons to request reinstatement.","Source pinpoint":"S004 comment 40(f)(3)(vi)-5.","Status / limits":"I; U. No joint-party instructions or consent inferred."},"coordinator_verification_status":"Whole atomic claim and limitations read; selected consequential primary checks only, not all-claim current-law or actual-application acceptance."},{"claim_id":"R013-P1-C040","area_numbers":[13],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R013-P1-C040","Area and precise claim":"General evidence-retention duties exist, but the rule does not prescribe a universal new-appraisal dossier.","Trigger, conditions, and exceptions":"§25(a) generally requires compliance evidence for two years after required disclosure/action, with agency extension possible. Comments cover evidence of actions and permit accurate reconstruction; the HELOC comment identifies written procedures and sample disclosure/contract as adequate evidence.","Source pinpoint":"S013 §25(a), comments 1–4; C027.","Status / limits":"R/I; U. No consumer document-demand right or case-specific evidentiary sufficiency finding established."},"coordinator_verification_status":"Whole atomic claim and limitations read; selected consequential primary checks only, not all-claim current-law or actual-application acceptance."},{"claim_id":"R013-P1-C041","area_numbers":[13],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R013-P1-C041","Area and precise claim":"The general term-change prohibition reaches all plan features, not only required disclosures.","Trigger, conditions, and exceptions":"Ordinarily no new/increased fee, including a third-party fee, after opening. The comment separately permits passing through taxes and specified insurance-premium increases where the cited finance-charge exclusions apply.","Source pinpoint":"S003 §40(f)(3); S004 comments 40(f)(3)-1–2; S001 §1647(c)(1).","Status / limits":"R/I/S; U. Complete fee/APR/insurance classification is held."},"coordinator_verification_status":"Whole atomic claim and limitations read; selected consequential primary checks only, not all-claim current-law or actual-application acceptance."},{"claim_id":"R013-P1-C042","area_numbers":[13],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R013-P1-C042","Area and precise claim":"An initial event-based change must specify both event and response.","Trigger, conditions, and exceptions":"General reservations to change any term are insufficient. The contract cannot substitute an expressly disallowed response—such as a margin increase for material financial deterioration or a freeze for insignificant value decline.","Source pinpoint":"S004 comments 40(f)(3)(i)-1–2.","Status / limits":"I; U. A signed boilerplate clause is not independent federal authority."},"coordinator_verification_status":"Whole atomic claim and limitations read; selected consequential primary checks only, not all-claim current-law or actual-application acceptance."},{"claim_id":"R013-P1-C043","area_numbers":[13],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R013-P1-C043","Area and precise claim":"A change may unequivocally benefit the consumer throughout the remaining plan.","Trigger, conditions, and exceptions":"Additional options can be offered while existing options remain. The comment also permits temporary rate/fee reductions, with possible notice when original terms resume.","Source pinpoint":"S003 §40(f)(3)(iv); S004 comment 40(f)(3)(iv)-1; S001 §1647(c)(4).","Status / limits":"R/I/S; U. A creditor’s characterization of a restriction as beneficial is not dispositive."},"coordinator_verification_status":"Whole atomic claim and limitations read; selected consequential primary checks only, not all-claim current-law or actual-application acceptance."},{"claim_id":"R013-P1-C044","area_numbers":[13],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R013-P1-C044","Area and precise claim":"Insignificant operational changes are permitted; substantive fee increases are not thereby permitted.","Trigger, conditions, and exceptions":"Examples include specified minor billing/index-measurement changes, subject to the comment’s qualifications; changing a late fee is not an insignificant change.","Source pinpoint":"S003 §40(f)(3)(v); S004 comments 40(f)(3)(v)-1–2.","Status / limits":"R/I; U. No actual operational change assessed."},"coordinator_verification_status":"Whole atomic claim and limitations read; selected consequential primary checks only, not all-claim current-law or actual-application acceptance."},{"claim_id":"R013-P1-C045","area_numbers":[13],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R013-P1-C045","Area and precise claim":"A specified change may be made through specific written agreement at the time of change.","Trigger, conditions, and exceptions":"Continued account use is not assumed written consent. Even mutual agreement cannot authorize forbidden future index control or extra acceleration events. A new agreed limit does not confer unrestricted future reduction discretion.","Source pinpoint":"S003 §40(f)(3)(iii); S004 comments 40(f)(3)(iii)-1–2.","Status / limits":"R/I; U. Actual agreement and electronic-signature validity held."},"coordinator_verification_status":"Whole atomic claim and limitations read; selected consequential primary checks only, not all-claim current-law or actual-application acceptance."},{"claim_id":"R013-P1-C046","area_numbers":[13],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R013-P1-C046","Area and precise claim":"Variable-rate changes ordinarily require a public index outside the creditor’s control.","Trigger, conditions, and exceptions":"The creditor’s own prime/cost-of-funds discretion is insufficient. A published prime rate can qualify even if the creditor contributes to it. Specifically agreed stepped/preferred-rate changes are separately recognized.","Source pinpoint":"S003 §40(f)(1); S004 comments 40(f)(1)-1–3; S001 §1647(a).","Status / limits":"R/I/S; U. No actual index or margin approved."},"coordinator_verification_status":"Whole atomic claim and limitations read; selected consequential primary checks only, not all-claim current-law or actual-application acceptance."},{"claim_id":"R013-P1-C047","area_numbers":[13],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R013-P1-C047","Area and precise claim":"The general unavailable-index replacement route has cumulative conditions.","Trigger, conditions, and exceptions":"Original index unavailable; replacement historical fluctuations substantially similar; replacement index plus margin produces a substantially similar APR at unavailability. A newly established index lacks the history requirement but retains the rate comparison. Updated LIBOR comments specify comparison dates, including the prior common publication day where applicable and the Board-selected exception.","Source pinpoint":"S003 §40(f)(3)(ii)(A); S019 comments 40(f)(3)(ii)(A)-1–3.","Status / limits":"R/I; U. No free-standing repricing power or actual benchmark computation."},"coordinator_verification_status":"Whole atomic claim and limitations read; selected consequential primary checks only, not all-claim current-law or actual-application acceptance."},{"claim_id":"R013-P1-C048","area_numbers":[13],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R013-P1-C048","Area and precise claim":"The LIBOR-specific route carries its own date predicates.","Trigger, conditions, and exceptions":"§40(f)(3)(ii)(B) permits qualifying replacement on/after April 1, 2022. It uses October 18, 2021 comparison values, or generally the next common publication day if needed; the Board-selected 1-, 3-, 6-, or 12-month replacement exception uses June 30, 2023 LIBOR and the replacement’s first publication value. Newly established-index and similar-APR conditions remain.","Source pinpoint":"S003 §40(f)(3)(ii)(B); S019 operative amendment, printed 30622.","Status / limits":"R/H; U. These benchmark dates are not consumer payment or cure deadlines."},"coordinator_verification_status":"Whole atomic claim and limitations read; selected consequential primary checks only, not all-claim current-law or actual-application acceptance."},{"claim_id":"R013-P1-C049","area_numbers":[13],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R013-P1-C049","Area and precise claim":"Updated replacement comments contain specified similarity determinations while preserving contract limits.","Trigger, conditions, and exceptions":"Specified published-prime replacements and Board-selected replacements receive the stated historical-fluctuation treatment. Board-selected replacement with the unchanged margin receives the stated rate-comparison treatment. Under the (B) comment, the relevant prior margin is determined immediately before the replacement notice; equality on the effective day is not required. Neither route excuses contractual noncompliance.","Source pinpoint":"S019 comments 40(f)(3)(ii)-1, (A)-2–3, (B)-1–3, printed 30625–30628.","Status / limits":"I; U. Updated 2023 text used, not stale wording in S004."},"coordinator_verification_status":"Whole atomic claim and limitations read; selected consequential primary checks only, not all-claim current-law or actual-application acceptance."},{"claim_id":"R013-P1-C050","area_numbers":[13],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R013-P1-C050","Area and precise claim":"Covered variable-rate dwelling credit must state a lifetime maximum interest rate in the contract.","Trigger, conditions, and exceptions":"§30 and its comments govern; increasing a credit limit or entering repayment does not itself permit raising the ceiling. Specified initial terms, qualifying new obligations, and renewal circumstances require their own analysis.","Source pinpoint":"S011 §30 and comments, especially 11–12; S003 §40(d)(12)(ix), (f)(3)(i).","Status / limits":"R/I; U. This is not a universal federal usury ceiling."},"coordinator_verification_status":"Whole atomic claim and limitations read; selected consequential primary checks only, not all-claim current-law or actual-application acceptance."},{"claim_id":"R013-P1-C051","area_numbers":[13],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R013-P1-C051","Area and precise claim":"Early application disclosures identify possible creditor actions, but can offer the detailed conditions on request.","Trigger, conditions, and exceptions":"§40(d)(4) requires the possible termination/acceleration, freeze/reduction, and specified-change statements; the conditions may be supplied instead of the on-request statement.","Source pinpoint":"S003 §40(d)(4)(i)–(iii); S004 related comments; S002 §1637a(a)(7).","Status / limits":"R/I/S; U. Disclosure of a possibility is not proof that its condition occurred."},"coordinator_verification_status":"Whole atomic claim and limitations read; selected consequential primary checks only, not all-claim current-law or actual-application acceptance."},{"claim_id":"R013-P1-C052","area_numbers":[13],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R013-P1-C052","Area and precise claim":"Account-opening disclosures require the actual list of applicable restriction/change conditions.","Trigger, conditions, and exceptions":"§6(a)(3)(i) and comment 1 require the list; it must be retainable. A highlighted contract or substantially similar regulatory description can serve as specified. The executive-officer condition in (f)(2)(iv) need not be stated under the cited disclosure comment.","Source pinpoint":"S009 §6(a)(3), comments 1–4; S004 comment 40(d)(4)(iii)-1; S008 §5(a)(1), (b)(1)(i).","Status / limits":"R/I; U. Before-first-transaction/obligation timing must be applied to actual events."},"coordinator_verification_status":"Whole atomic claim and limitations read; selected consequential primary checks only, not all-claim current-law or actual-application acceptance."},{"claim_id":"R013-P1-C053","area_numbers":[13],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R013-P1-C053","Area and precise claim":"Application disclosures and brochure generally accompany provision of the application.","Trigger, conditions, and exceptions":"§40(b) allows the specified three-business-day mail/delivery alternative after receipt for telephone, publication, and intermediary applications. Denial or withdrawal within that permitted interval has the comment’s exception.","Source pinpoint":"S003 §40(a)–(b), (e); S004 comments 40(b)-1–6.","Status / limits":"R/I; U. Complete origination timing is outside this component."},"coordinator_verification_status":"Whole atomic claim and limitations read; selected consequential primary checks only, not all-claim current-law or actual-application acceptance."},{"claim_id":"R013-P1-C054","area_numbers":[13],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R013-P1-C054","Area and precise claim":"Certain noncreditor application distributors have their own duties.","Trigger, conditions, and exceptions":"They provide the brochure and the plan disclosures when they have them; they need not obtain or create the creditor’s disclosures. The comment allocates these third-party duties separately.","Source pinpoint":"S003 §40(c); S004 comment 40(c)-1; S005 §1(c)(3).","Status / limits":"R/I; U. No distributor or agency relationship assumed."},"coordinator_verification_status":"Whole atomic claim and limitations read; selected consequential primary checks only, not all-claim current-law or actual-application acceptance."},{"claim_id":"R013-P1-C055","area_numbers":[13],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R013-P1-C055","Area and precise claim":"Early §40 disclosures have specific written/electronic presentation rules.","Trigger, conditions, and exceptions":"Clear, conspicuous writing and applicable grouping/segregation rules apply. Electronic application access requires electronic provision on/with the application as specified; this stage has the stated E-Sign exception.","Source pinpoint":"S003 §40(a)(1)–(3); S004 comments 40(a); S008 §5(a)(1)(iii).","Status / limits":"R/I; U. This exception does not automatically govern later restriction notices."},"coordinator_verification_status":"Whole atomic claim and limitations read; selected consequential primary checks only, not all-claim current-law or actual-application acceptance."},{"claim_id":"R013-P1-C056","area_numbers":[13],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R013-P1-C056","Area and precise claim":"A disclosed application-terms availability period is not a personal cure deadline or credit promise.","Trigger, conditions, and exceptions":"§40(d)(2)(i) permits a date or determinable period for obtaining disclosed terms and permits disclosure that terms may change. It does not require the creditor to guarantee all terms.","Source pinpoint":"S003 §40(d)(2); S004 comments 40(d)(2)(i)-1–2.","Status / limits":"R/I; U. No actual calendar calculation or availability assurance."},"coordinator_verification_status":"Whole atomic claim and limitations read; selected consequential primary checks only, not all-claim current-law or actual-application acceptance."},{"claim_id":"R013-P1-C057","area_numbers":[13],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R013-P1-C057","Area and precise claim":"Covered (f)(3)(i)/(vi) restrictions require a written notice within three business days after action.","Trigger, conditions, and exceptions":"Creditor must mail or deliver notice to affected consumers, stating specific reasons. This is a post-action outer timing rule, not a universal advance waiting period.","Source pinpoint":"S010 §9(c)(1)(iii).","Status / limits":"R; U. No actual mailing, delivery, or deadline determination."},"coordinator_verification_status":"Whole atomic claim and limitations read; selected consequential primary checks only, not all-claim current-law or actual-application acceptance."},{"claim_id":"R013-P1-C058","area_numbers":[13],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R013-P1-C058","Area and precise claim":"The restriction notice must disclose a consumer reinstatement-request requirement.","Trigger, conditions, and exceptions":"If reinstatement must be requested, say so; if the request must be written, the notice must also say so.","Source pinpoint":"S010 §9(c)(1)(iii), comment 1; S004 comment 40(f)(3)(vi)-4.","Status / limits":"R/I; U. A request requirement is not inferred from silence."},"coordinator_verification_status":"Whole atomic claim and limitations read; selected consequential primary checks only, not all-claim current-law or actual-application acceptance."},{"claim_id":"R013-P1-C059","area_numbers":[13],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R013-P1-C059","Area and precise claim":"The (f)(2) lesser-action freeze has a specific §9(c)(1)(iii) notice exception.","Trigger, conditions, and exceptions":"Comment 9(c)(1)(iii)-2 says notice under that paragraph is unnecessary when freezing/reducing instead of otherwise permitted termination and acceleration.","Source pinpoint":"S010 comment 9(c)(1)(iii)-2; C024.","Status / limits":"I; U. Does not excuse Regulation B, another term-change notice, contract, or state law."},"coordinator_verification_status":"Whole atomic claim and limitations read; selected consequential primary checks only, not all-claim current-law or actual-application acceptance."},{"claim_id":"R013-P1-C060","area_numbers":[13],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R013-P1-C060","Area and precise claim":"Other covered term changes normally use the 15-day advance rule.","Trigger, conditions, and exceptions":"§9(c)(1)(i) applies to changes in §6(a) terms or increased minimum payments. For agreed changes, its text removes the 15-day requirement but says notice before effectiveness. Comment 3 permits delivery as late as effectiveness in its specified default-charge or particular agreed-change circumstances.","Source pinpoint":"S010 §9(c)(1)(i), comments 2–3, 6.","Status / limits":"R/I; U. The text/comment timing distinction is preserved; no universal advance-notice waiver inferred."},"coordinator_verification_status":"Whole atomic claim and limitations read; selected consequential primary checks only, not all-claim current-law or actual-application acceptance."},{"claim_id":"R013-P1-C061","area_numbers":[13],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R013-P1-C061","Area and precise claim":"Notice exceptions must be read with the express freeze-notice requirement.","Trigger, conditions, and exceptions":"Specified initially disclosed changes, charge reductions, and court-proceeding agreements have stated exceptions. General examples mentioning credit-limit/suspension changes do not erase §9(c)(1)(iii). On/after October 1, 2022, LIBOR margin reductions are not exempt from the specified replacement notice.","Source pinpoint":"S010 comments 9(c)(1)-1; §9(c)(1)(ii)–(iii), comment (ii)-3.","Status / limits":"R/I; U. No notice exception supplies substantive restriction authority."},"coordinator_verification_status":"Whole atomic claim and limitations read; selected consequential primary checks only, not all-claim current-law or actual-application acceptance."},{"claim_id":"R013-P1-C062","area_numbers":[13],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R013-P1-C062","Area and precise claim":"Later written Regulation Z notices can be electronic only under applicable electronic-delivery requirements.","Trigger, conditions, and exceptions":"General §5(a)(1)(iii) treatment includes E-Sign consent/other applicable requirements; the early §40 exception cannot simply be transplanted.","Source pinpoint":"S008 §5(a)(1)(iii); S010 §9(c)(1)(iii).","Status / limits":"R; U. No consent, delivery medium, or receipt facts."},"coordinator_verification_status":"Whole atomic claim and limitations read; selected consequential primary checks only, not all-claim current-law or actual-application acceptance."},{"claim_id":"R013-P1-C063","area_numbers":[13],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R013-P1-C063","Area and precise claim":"“Business day” here uses the creditor-business-functions definition.","Trigger, conditions, and exceptions":"For these §40/§9 requirements, §2(a)(6)’s general definition concerns days when offices are open for substantially all business functions. The special all-calendar-days-except-Sundays/holidays definition applies only to its enumerated provisions.","Source pinpoint":"S006 §2(a)(6), comments.","Status / limits":"R/I; U. No automatic weekend/holiday count."},"coordinator_verification_status":"Whole atomic claim and limitations read; selected consequential primary checks only, not all-claim current-law or actual-application acceptance."},{"claim_id":"R013-P1-C064","area_numbers":[13],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R013-P1-C064","Area and precise claim":"Recipient analysis must combine the specific affected-consumer rule with general multiple-consumer rules.","Trigger, conditions, and exceptions":"Section 9 speaks to affected consumers; §5(d) generally permits disclosure to a primarily liable consumer when multiple consumers exist, with separate rescission treatment.","Source pinpoint":"S010 §9(c)(1); S008 §5(d).","Status / limits":"R; U. No conclusion about any actual co-obligor’s notice entitlement."},"coordinator_verification_status":"Whole atomic claim and limitations read; selected consequential primary checks only, not all-claim current-law or actual-application acceptance."},{"claim_id":"R013-P1-C065","area_numbers":[13],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R013-P1-C065","Area and precise claim":"Notice compliance and restriction authority are separate inquiries.","Trigger, conditions, and exceptions":"A timely, accurate letter can still describe an unsupported restriction; a valid substantive ground can still be accompanied by a notice defect. State/instrument enforceability is another inquiry.","Source pinpoint":"S003 §40(f); S010 §9(c)(1), comment 9(c)(1)-2.","Status / limits":"INF; U. No “notice legalizes the action” conclusion."},"coordinator_verification_status":"Whole atomic claim and limitations read; selected consequential primary checks only, not all-claim current-law or actual-application acceptance."},{"claim_id":"R013-P1-C066","area_numbers":[13],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R013-P1-C066","Area and precise claim":"Regulation B uses its own coverage and actor definitions and includes existing credit.","Trigger, conditions, and exceptions":"“Applicant” includes someone who has received credit; creditor includes regular participation in credit decisions and participating assignees. Its credit scope is broader than Regulation Z.","Source pinpoint":"S014 §§1002.2(e), (j), (l), (m), comments.","Status / limits":"R/I; U. Regulation Z exclusion does not establish Regulation B exclusion."},"coordinator_verification_status":"Whole atomic claim and limitations read; selected consequential primary checks only, not all-claim current-law or actual-application acceptance."},{"claim_id":"R013-P1-C067","area_numbers":[13],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R013-P1-C067","Area and precise claim":"A qualifying individual account termination or unfavorable change can be adverse action.","Trigger, conditions, and exceptions":"§1002.2(c)(1)(ii) excludes from that definition changes affecting all or substantially all of a class. Refusal of an applied-for increase is separately covered. An ordinary within-limit draw is not itself a new application under §2(f).","Source pinpoint":"S014 §§2(c)(1)(ii)–(iii), 2(f).","Status / limits":"R/I; U. Classification requires the actual action and exception analysis."},"coordinator_verification_status":"Whole atomic claim and limitations read; selected consequential primary checks only, not all-claim current-law or actual-application acceptance."},{"claim_id":"R013-P1-C068","area_numbers":[13],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R013-P1-C068","Area and precise claim":"Regulation B’s adverse-action exclusions are specific.","Trigger, conditions, and exceptions":"They include expressly agreed changes; action tied to inactivity/default/delinquency of that account; the qualified point-of-sale/loan transaction exception; law-prohibited extensions; and credit types not offered. Paragraph (c)(2) governs overlap. Past default generally does not equal current default for the comment’s exception.","Source pinpoint":"S014 §2(c)(2)–(3), comments 2(c)(2)(ii)-1–2.","Status / limits":"R/I; U. Another debt’s default or a class-wide policy does not itself supply §40 authority."},"coordinator_verification_status":"Whole atomic claim and limitations read; selected consequential primary checks only, not all-claim current-law or actual-application acceptance."},{"claim_id":"R013-P1-C069","area_numbers":[13],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R013-P1-C069","Area and precise claim":"Qualifying existing-account adverse action ordinarily requires notice within 30 days after action.","Trigger, conditions, and exceptions":"Written content under §9(a)(2): action, creditor and enforcement-agency information, ECOA statement, plus reasons or the right to obtain reasons. Under the latter route, request within 60 days and statement within 30 days; oral reasons carry the stated written-confirmation right.","Source pinpoint":"S015 §9(a)(1)(iii), (a)(2)(i)–(ii).","Status / limits":"R; U. These are separate triggers, not a 30-day advance freeze notice or reinstatement deadline."},"coordinator_verification_status":"Whole atomic claim and limitations read; selected consequential primary checks only, not all-claim current-law or actual-application acceptance."},{"claim_id":"R013-P1-C070","area_numbers":[13],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R013-P1-C070","Area and precise claim":"Reasons must identify actual principal reasons with adequate specificity.","Trigger, conditions, and exceptions":"Merely invoking internal policy or failure to reach a qualifying score is insufficient under §9(b)(2). Credit-score factors or a report-use notice do not themselves satisfy the ECOA reasons requirement.","Source pinpoint":"S015 §9(b)(2), comments 1–9.","Status / limits":"R/I; U. No score or underwriting decision reviewed."},"coordinator_verification_status":"Whole atomic claim and limitations read; selected consequential primary checks only, not all-claim current-law or actual-application acceptance."},{"claim_id":"R013-P1-C071","area_numbers":[13],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R013-P1-C071","Area and precise claim":"Regulation B has relevant form/recipient exceptions.","Trigger, conditions, and exceptions":"Section 9(d) permits oral notifications for creditors receiving no more than 150 applications in the preceding calendar year. Section 9(f) allows notice to one applicant, the primary applicant where readily apparent.","Source pinpoint":"S015 §9(d), (f).","Status / limits":"R; U. “Every adverse-action notice must always be written to every person” would be overbroad."},"coordinator_verification_status":"Whole atomic claim and limitations read; selected consequential primary checks only, not all-claim current-law or actual-application acceptance."},{"claim_id":"R013-P1-C072","area_numbers":[13],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R013-P1-C072","Area and precise claim":"Regulation B disclosure compliance does not establish nondiscrimination compliance.","Trigger, conditions, and exceptions":"Section 4(a) independently prohibits discrimination on a prohibited basis in any aspect of a credit transaction. Required written disclosures follow §4(d), including applicable electronic requirements.","Source pinpoint":"S016 §4(a), (d); S014 §2(m).","Status / limits":"R/I; U. No actual discriminatory treatment or liability finding."},"coordinator_verification_status":"Whole atomic claim and limitations read; selected consequential primary checks only, not all-claim current-law or actual-application acceptance."},{"claim_id":"R013-P1-C073","area_numbers":[13],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R013-P1-C073","Area and precise claim":"Draw rights and payment obligations must be analyzed separately.","Trigger, conditions, and exceptions":"A freeze addresses future extensions; it does not itself cancel the existing repayment obligation. Timely payments defeat reliance on actual missed payments as a ground but do not resolve a different, adequately supported restriction ground.","Source pinpoint":"S003 §40(f)(2)–(3); S004 comments 40-5 and 40(f)(2)(ii)-1.","Status / limits":"INF; U. No available-credit promise, debt discharge, or amount-due determination."},"coordinator_verification_status":"Whole atomic claim and limitations read; selected consequential primary checks only, not all-claim current-law or actual-application acceptance."},{"claim_id":"R013-P1-C074","area_numbers":[13],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R013-P1-C074","Precise claim":"The inspected eCFR currency date was October 23, 2026; access occurred October 27.","Trigger / conditions / exceptions":"Title-level currency is not the section’s legal effective date.","Source pinpoint":"S003 displayed metadata; S022 same title metadata.","Status / limits":"OBS. Complete intervening amendment audit not claimed."},"coordinator_verification_status":"Whole atomic claim and limitations read; selected consequential primary checks only, not all-claim current-law or actual-application acceptance."},{"claim_id":"R013-P1-C075","area_numbers":[13],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R013-P1-C075","Precise claim":"The statutory compilation reported coverage through Pub. L. 119-120, October 7, 2026.","Trigger / conditions / exceptions":"That compilation statement is not a full later session-law check.","Source pinpoint":"S001–S002 displayed version statements.","Status / limits":"OBS. October 8–27 statutory lag audit held."},"coordinator_verification_status":"Whole atomic claim and limitations read; selected consequential primary checks only, not all-claim current-law or actual-application acceptance."},{"claim_id":"R013-P1-C076","area_numbers":[13],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R013-P1-C076","Precise claim":"The 2011 CFPB republication took effect December 30, 2011.","Trigger / conditions / exceptions":"Publication was December 22; the preamble describes transfer/republication with technical changes.","Source pinpoint":"S017 Dates and introductory explanation, 76 FR 79768.","Status / limits":"H. Does not replace the earlier plan-date transition in C011."},"coordinator_verification_status":"Whole atomic claim and limitations read; selected consequential primary checks only, not all-claim current-law or actual-application acceptance."},{"claim_id":"R013-P1-C077","area_numbers":[13],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R013-P1-C077","Precise claim":"The 2021 LIBOR rule separated effective and mandatory-compliance dates.","Trigger / conditions / exceptions":"April 1, 2022 general effectiveness; October 1, 2022 specified notice compliance; October 1, 2023 identified Appendix H amendment.","Source pinpoint":"S018 Dates, 86 FR 69716, PDF index 0.","Status / limits":"H. The Appendix H branch is not a HELOC freeze deadline."},"coordinator_verification_status":"Whole atomic claim and limitations read; selected consequential primary checks only, not all-claim current-law or actual-application acceptance."},{"claim_id":"R013-P1-C078","area_numbers":[13],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R013-P1-C078","Precise claim":"The 2023 LIBOR amendment became effective May 15, 2023.","Trigger / conditions / exceptions":"Its request for comments did not make the adopted text merely proposed. It revised Board-selected benchmark and 12-month language.","Source pinpoint":"S019 Dates; §2(a)(28), §40(f)(3)(ii)(B), revised comments.","Status / limits":"H/current incorporated text, subject to source limits."},"coordinator_verification_status":"Whole atomic claim and limitations read; selected consequential primary checks only, not all-claim current-law or actual-application acceptance."},{"claim_id":"R013-P1-C079","area_numbers":[13],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R013-P1-C079","Precise claim":"The relevant 2022 existing-account advisory is listed as withdrawn May 12, 2025.","Trigger / conditions / exceptions":"Relevant adverse-action circulars are also listed as withdrawn. No substantive reliance on those documents occurs here.","Source pinpoint":"S020 relevant register entries.","Status / limits":"Withdrawn guidance status. Underlying rules were separately read; withdrawal is not treated as repeal."},"coordinator_verification_status":"Whole atomic claim and limitations read; selected consequential primary checks only, not all-claim current-law or actual-application acceptance."},{"claim_id":"R013-P1-C080","area_numbers":[13],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R013-P1-C080","Precise claim":"Two source-access/version issues remain bounded and visible.","Trigger / conditions / exceptions":"Complete consolidated eCFR Supplement I could not be retrieved; CFPB’s §40 LIBOR comments showed older wording. The necessary 2023 amended comments were read directly, but this is not a full supplement amendment comparison.","Source pinpoint":"S004 and S019.","Status / limits":"OBS / partial currentness verification. No inference that failed retrieval means no rule."},"coordinator_verification_status":"Whole atomic claim and limitations read; selected consequential primary checks only, not all-claim current-law or actual-application acceptance."},{"claim_id":"R013-P1-C081","area_numbers":[13],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R013-P1-C081","Precise claim":"The 2022 LIBOR correction fixed two preamble references.","Trigger / conditions / exceptions":"Effective February 16, 2022; the correction’s body addresses hyperlinks/document identification.","Source pinpoint":"S021 complete relevant correction body, 87 FR 8733.","Status / limits":"H. No new freeze or acceleration ground derived from it."},"coordinator_verification_status":"Whole atomic claim and limitations read; selected consequential primary checks only, not all-claim current-law or actual-application acceptance."}],"sources":[{"source_id":"R013-P1-S001","urls":["https://uscode.house.gov/us/usc/119-120/t15/s1647/","https://uscode.house.gov/us/usc/119-120/t15/s1647/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"R013-P1-S001","Issuer / title / complete literal HTTPS URL":"House Office of the Law Revision Counsel, 15 U.S.C. §1647, Home equity plans. https://uscode.house.gov/us/usc/119-120/t15/s1647/","Exact provisions and read bounds":"Fresh HTML: subsections (a)–(e), source and amendment/effective-date notes. Especially (b), (c)(1)–(4). No PDF pages.","Version, effective predicate, and limits":"Compilation through Pub. L. 119-120, October 7, 2026. Statutory text, not regulatory commentary. No complete October 8–27 session-law audit. \nuscode.house.gov\n+1"},"coordinator_verification_status":"Whole original source usage reviewed; operative body not reopened in this scoped review, original access/version/pixel claims source-attributed and all currentness/application holds retained."},{"source_id":"R013-P1-S002","urls":["https://uscode.house.gov/us/usc/119-120/t15/s1637a/","https://uscode.house.gov/us/usc/119-120/t15/s1637a/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"R013-P1-S002","Issuer / title / complete literal HTTPS URL":"OLRC, 15 U.S.C. §1637a, Disclosure requirements for open end consumer credit plans secured by consumer’s principal dwelling. https://uscode.house.gov/us/usc/119-120/t15/s1637a/","Exact provisions and read bounds":"Fresh HTML: application-disclosure body, particularly (a)(5)–(8), (b)–(e), including the special definition in (d); effective-date notes. No PDF pages.","Version, effective predicate, and limits":"Same October 7 compilation limit. The special statutory treatment of second/vacation homes is confined to the provisions identified in (d); it does not redefine principal dwelling throughout Regulation Z. \nuscode.house.gov\n+1"},"coordinator_verification_status":"Whole original source usage reviewed; operative body not reopened in this scoped review, original access/version/pixel claims source-attributed and all currentness/application holds retained."},{"source_id":"R013-P1-S003","urls":["https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-E/section-1026.40","https://www.consumerfinance.gov/rules-policy/regulations/1026/40/","https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-E/section-1026.40?utm_source=chatgpt.com","https://www.consumerfinance.gov/rules-policy/regulations/1026/40/?utm_source=chatgpt.com","https://www.ecfr.gov/current/title-12/chapter-X/part-1026/section-1026.40?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"R013-P1-S003","Issuer / title / complete literal HTTPS URL":"OFR/GPO eCFR, 12 CFR §1026.40. https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-E/section-1026.40. CFPB mirror: https://www.consumerfinance.gov/rules-policy/regulations/1026/40/","Exact provisions and read bounds":"Fresh: complete operative eCFR section, introduction and (a)–(h), with complete (f)(1)–(4). Selected mirror comparison. HTML; no PDF index.","Version, effective predicate, and limits":"eCFR Title 12 currency October 23, 2026. Section’s amendment citation lists 2011, 2021, and 2023 publications. eCFR describes itself as authoritative but unofficial, not the official legal CFR edition. \necfr.gov\n+2"},"coordinator_verification_status":"Fresh selected current eCFR40(f)(1)-(4) including all4termination/6temporarygrounds, replacementindex and reverse clauses read; eCFRtitlecurrency10/26/2026,lastamended10/23, authoritativeunofficial. Other40coverage/disclosures/stayhistorynotreopened."},{"source_id":"R013-P1-S004","urls":["https://www.consumerfinance.gov/rules-policy/regulations/1026/interp-40/","https://www.ecfr.gov/current/title-12/chapter-X/part-1026/appendix-Supplement%20I%20to%20Part%201026","https://www.consumerfinance.gov/rules-policy/regulations/1026/interp-40/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"R013-P1-S004","Issuer / title / complete literal HTTPS URL":"CFPB, Official interpretations of §1026.40. https://www.consumerfinance.gov/rules-policy/regulations/1026/interp-40/. Attempted consolidated eCFR supplement: https://www.ecfr.gov/current/title-12/chapter-X/part-1026/appendix-Supplement%20I%20to%20Part%201026","Exact provisions and read bounds":"Fresh: general comments 40-1–7; necessary form, timing, third-party, and (d)(4) comments; 40(f)-1; complete relevant (f)(1), (f)(2), (f)(3) introductory, (i), (iii)–(vi) comments; selected (g) comments. LIBOR wording compared with S019.","Version, effective predicate, and limits":"CFPB page labeled current, but its displayed (f)(3)(ii) comments retain older ARRC/“1-year” wording. Updated 2023 text was read in S019 instead. Consolidated eCFR Supplement I retrieval failed because of response size. No full consolidated-supplement audit claimed."},"coordinator_verification_status":"Fresh selected270-312,373-400,317-330,401-409 comments read: f2/termchanges/f3iii-v/vi1-9 and staleLIBORwording. Missing316notcredited; notwholecommentary/consolidatedSupplementI/current-amendmentaudit."},{"source_id":"R013-P1-S005","urls":["https://www.consumerfinance.gov/rules-policy/regulations/1026/1/","https://www.consumerfinance.gov/rules-policy/regulations/1026/1/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"R013-P1-S005","Issuer / title / complete literal HTTPS URL":"CFPB, §1026.1—Authority, purpose, coverage, organization, enforcement, and liability. https://www.consumerfinance.gov/rules-policy/regulations/1026/1/","Exact provisions and read bounds":"Fresh: (b), (c)(1)–(3), necessary coverage interpretation. HTML; no pages.","Version, effective predicate, and limits":"Current agency presentation. General coverage and application-distributor extension examined; no independent audit of every special actor exclusion. \nConsumer Financial Protection Bureau"},"coordinator_verification_status":"Whole original source usage reviewed; operative body not reopened in this scoped review, original access/version/pixel claims source-attributed and all currentness/application holds retained."},{"source_id":"R013-P1-S006","urls":["https://www.consumerfinance.gov/rules-policy/regulations/1026/2/","https://www.consumerfinance.gov/rules-policy/regulations/1026/2/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"R013-P1-S006","Issuer / title / complete literal HTTPS URL":"CFPB, §1026.2—Definitions and rules of construction. https://www.consumerfinance.gov/rules-policy/regulations/1026/2/","Exact provisions and read bounds":"Fresh: (a)(6), (10)–(15), (17), (19), (20), (25), necessary related comments; relevant distinction in (24); updated (28) also checked through S019. HTML; no pages.","Version, effective predicate, and limits":"Current agency presentation. Definitions read for this component; no consumer, creditor, security, or consummation fact established. \nConsumer Financial Protection Bureau\n+4"},"coordinator_verification_status":"Whole original source usage reviewed; operative body not reopened in this scoped review, original access/version/pixel claims source-attributed and all currentness/application holds retained."},{"source_id":"R013-P1-S007","urls":["https://www.consumerfinance.gov/rules-policy/regulations/1026/3/","https://www.consumerfinance.gov/rules-policy/regulations/1026/3/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"R013-P1-S007","Issuer / title / complete literal HTTPS URL":"CFPB, §1026.3—Exempt transactions. https://www.consumerfinance.gov/rules-policy/regulations/1026/3/","Exact provisions and read bounds":"Fresh: complete relevant (a), (b), business/organizational/trust and open-end threshold comments; comment 3(b)-3.xvii. HTML; no pages.","Version, effective predicate, and limits":"Current agency text specifies $73,400 for January 1–December 31, 2026. Amount exemption’s real-property/principal-dwelling exceptions are critical. Other exemption categories were not comprehensively investigated. \nConsumer Financial Protection Bureau\n+3"},"coordinator_verification_status":"Whole original source usage reviewed; operative body not reopened in this scoped review, original access/version/pixel claims source-attributed and all currentness/application holds retained."},{"source_id":"R013-P1-S008","urls":["https://www.consumerfinance.gov/rules-policy/regulations/1026/5/","https://www.consumerfinance.gov/rules-policy/regulations/1026/5/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"R013-P1-S008","Issuer / title / complete literal HTTPS URL":"CFPB, §1026.5—General disclosure requirements. https://www.consumerfinance.gov/rules-policy/regulations/1026/5/","Exact provisions and read bounds":"Fresh: (a)(1), (b)(1)(i), (c), (d), necessary comments on writing, electronic delivery, initial timing, and multiple consumers. HTML.","Version, effective predicate, and limits":"Current presentation. No actual electronic-consent or delivery finding. \nConsumer Financial Protection Bureau\n+2"},"coordinator_verification_status":"Whole original source usage reviewed; operative body not reopened in this scoped review, original access/version/pixel claims source-attributed and all currentness/application holds retained."},{"source_id":"R013-P1-S009","urls":["https://www.consumerfinance.gov/rules-policy/regulations/1026/6/","https://www.consumerfinance.gov/rules-policy/regulations/1026/interp-6/","https://www.consumerfinance.gov/rules-policy/regulations/1026/6/?utm_source=chatgpt.com","https://www.consumerfinance.gov/rules-policy/regulations/1026/interp-6/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"R013-P1-S009","Issuer / title / complete literal HTTPS URL":"CFPB, §1026.6—Account-opening disclosures, and separate interpretation page. https://www.consumerfinance.gov/rules-policy/regulations/1026/6/; https://www.consumerfinance.gov/rules-policy/regulations/1026/interp-6/","Exact provisions and read bounds":"Fresh: (a)(3)(i)–(vii), (a)(4), comments 6(a)(3)-1–4 and relevant security comments. HTML.","Version, effective predicate, and limits":"Embedded comment 6(a)(3)-1 appeared as a placeholder; actual text recovered from the separate interpretation page. That particular retrieval gap was repaired. \nConsumer Financial Protection Bureau\n+1"},"coordinator_verification_status":"Whole original source usage reviewed; operative body not reopened in this scoped review, original access/version/pixel claims source-attributed and all currentness/application holds retained."},{"source_id":"R013-P1-S010","urls":["https://www.consumerfinance.gov/rules-policy/regulations/1026/9/","https://www.consumerfinance.gov/rules-policy/regulations/1026/9/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"R013-P1-S010","Issuer / title / complete literal HTTPS URL":"CFPB, §1026.9—Subsequent disclosure requirements. https://www.consumerfinance.gov/rules-policy/regulations/1026/9/","Exact provisions and read bounds":"Fresh: complete relevant (c)(1)(i)–(iii), comments 9(c)(1)-1–4, 9(c)(1)(i)-1–6, (ii)-1–3, and (iii)-1–2. HTML.","Version, effective predicate, and limits":"Current presentation includes the LIBOR margin-notice provision operative for notices on/after October 1, 2022. Non-home-secured card rules were not imported. \nConsumer Financial Protection Bureau\n+2"},"coordinator_verification_status":"Fresh selected9c1notice/body/exceptionandLIBORcontext192-227read; othernotice/application/basis/RegBgroupsnotfreshlyauthenticated."},{"source_id":"R013-P1-S011","urls":["https://www.consumerfinance.gov/rules-policy/regulations/1026/30/","https://www.consumerfinance.gov/rules-policy/regulations/1026/30/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"R013-P1-S011","Issuer / title / complete literal HTTPS URL":"CFPB, §1026.30—Limitation on rates. https://www.consumerfinance.gov/rules-policy/regulations/1026/30/","Exact provisions and read bounds":"Fresh: operative section and comments 1–12. HTML.","Version, effective predicate, and limits":"Lifetime contractual maximum-rate requirement and restrictions on changing the ceiling examined. No actual rate, usury, or renewal determination. \nConsumer Financial Protection Bureau\n+1"},"coordinator_verification_status":"Whole original source usage reviewed; operative body not reopened in this scoped review, original access/version/pixel claims source-attributed and all currentness/application holds retained."},{"source_id":"R013-P1-S012","urls":["https://www.consumerfinance.gov/rules-policy/regulations/1026/33/","https://www.consumerfinance.gov/rules-policy/regulations/1026/33/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"R013-P1-S012","Issuer / title / complete literal HTTPS URL":"CFPB, §1026.33—Requirements for reverse mortgages. https://www.consumerfinance.gov/rules-policy/regulations/1026/33/","Exact provisions and read bounds":"Fresh: complete (a) definition and necessary comments, including default treatment. HTML.","Version, effective predicate, and limits":"Classification boundary only. No comprehensive reverse-mortgage disclosure, HUD/HECM, spouse, servicing, or program analysis. \nConsumer Financial Protection Bureau"},"coordinator_verification_status":"Whole original source usage reviewed; operative body not reopened in this scoped review, original access/version/pixel claims source-attributed and all currentness/application holds retained."},{"source_id":"R013-P1-S013","urls":["https://www.consumerfinance.gov/rules-policy/regulations/1026/25/","https://www.consumerfinance.gov/rules-policy/regulations/1026/25/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"R013-P1-S013","Issuer / title / complete literal HTTPS URL":"CFPB, §1026.25—Record retention. https://www.consumerfinance.gov/rules-policy/regulations/1026/25/","Exact provisions and read bounds":"Fresh: (a), (b), comments 25(a)-1–4. HTML.","Version, effective predicate, and limits":"General two-year evidence rule and HELOC-specific evidence comment. Other mortgage-retention regimes are held. \nConsumer Financial Protection Bureau"},"coordinator_verification_status":"Whole original source usage reviewed; operative body not reopened in this scoped review, original access/version/pixel claims source-attributed and all currentness/application holds retained."},{"source_id":"R013-P1-S014","urls":["https://www.consumerfinance.gov/rules-policy/regulations/1002/2/","https://www.consumerfinance.gov/rules-policy/regulations/1002/2/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"R013-P1-S014","Issuer / title / complete literal HTTPS URL":"CFPB, Regulation B §1002.2—Definitions. https://www.consumerfinance.gov/rules-policy/regulations/1002/2/","Exact provisions and read bounds":"Fresh: (c)(1)–(3), (e), (f), (j), (l), (m), necessary interpretations. HTML.","Version, effective predicate, and limits":"Current presentation. Existing-account adverse-action branch bounded; complete origination and business-credit procedures not redone. \nConsumer Financial Protection Bureau\n+1"},"coordinator_verification_status":"Whole original source usage reviewed; operative body not reopened in this scoped review, original access/version/pixel claims source-attributed and all currentness/application holds retained."},{"source_id":"R013-P1-S015","urls":["https://www.consumerfinance.gov/rules-policy/regulations/1002/9/","https://www.consumerfinance.gov/rules-policy/regulations/1002/9/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"R013-P1-S015","Issuer / title / complete literal HTTPS URL":"CFPB, Regulation B §1002.9—Notifications. https://www.consumerfinance.gov/rules-policy/regulations/1002/9/","Exact provisions and read bounds":"Fresh: relevant (a)(1), (a)(2), (b), (d), (f), necessary comments including 9(b)(2)-9; business/incomplete-application provisions read only to bound adjacent branches. HTML.","Version, effective predicate, and limits":"Current presentation. Existing-account timing, content, reasons, oral exception, and multiple-applicant rules examined. FCRA not independently audited. \nConsumer Financial Protection Bureau\n+2"},"coordinator_verification_status":"Whole original source usage reviewed; operative body not reopened in this scoped review, original access/version/pixel claims source-attributed and all currentness/application holds retained."},{"source_id":"R013-P1-S016","urls":["https://www.consumerfinance.gov/rules-policy/regulations/1002/4/","https://www.consumerfinance.gov/rules-policy/regulations/1002/4/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"R013-P1-S016","Issuer / title / complete literal HTTPS URL":"CFPB, Regulation B §1002.4—General rules. https://www.consumerfinance.gov/rules-policy/regulations/1002/4/","Exact provisions and read bounds":"Fresh: (a), necessary comment, and (d) form/electronic disclosure provisions. HTML.","Version, effective predicate, and limits":"Current presentation. Independent nondiscrimination and disclosure duties; no actual discrimination or creditworthiness decision. \nConsumer Financial Protection Bureau\n+1"},"coordinator_verification_status":"Whole original source usage reviewed; operative body not reopened in this scoped review, original access/version/pixel claims source-attributed and all currentness/application holds retained."},{"source_id":"R013-P1-S017","urls":["https://www.federalregister.gov/documents/2011/12/22/2011-31715/truth-in-lending-regulation-z","https://www.govinfo.gov/content/pkg/FR-2011-12-22/pdf/2011-31715.pdf","https://www.federalregister.gov/documents/2011/12/22/2011-31715/truth-in-lending-regulation-z?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"R013-P1-S017","Issuer / title / complete literal HTTPS URL":"CFPB/OFR, Truth in Lending (Regulation Z), 2011 interim final rule. https://www.federalregister.gov/documents/2011/12/22/2011-31715/truth-in-lending-regulation-z. Attempted official PDF: https://www.govinfo.gov/content/pkg/FR-2011-12-22/pdf/2011-31715.pdf","Exact provisions, printed page, PDF index, and read bounds":"Fresh HTML: action, summary, Dates, transfer/republication explanation; selected §40 material. Printed start 76 FR 79768; eCFR source citation 79772. PDF retrieval failed; no PDF index read.","Version, effective predicate, and limits":"Published December 22, 2011; effective December 30, 2011. Historical republication, subsequently amended. HTML is the publisher’s XML rendition, not the official legal PDF. No full-document read claimed."},"coordinator_verification_status":"Whole original source usage reviewed; operative body not reopened in this scoped review, original access/version/pixel claims source-attributed and all currentness/application holds retained."},{"source_id":"R013-P1-S018","urls":["https://www.federalregister.gov/documents/2021/12/08/2021-25825/facilitating-the-libor-transition-regulation-z","https://www.govinfo.gov/content/pkg/FR-2021-12-08/pdf/2021-25825.pdf","https://www.federalregister.gov/documents/2021/12/08/2021-25825/facilitating-the-libor-transition-regulation-z?utm_source=chatgpt.com","https://www.govinfo.gov/content/pkg/FR-2021-12-08/pdf/2021-25825.pdf?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"R013-P1-S018","Issuer / title / complete literal HTTPS URL":"CFPB/OFR/GPO, Facilitating the LIBOR Transition (Regulation Z), 2021 final rule. https://www.federalregister.gov/documents/2021/12/08/2021-25825/facilitating-the-libor-transition-regulation-z; https://www.govinfo.gov/content/pkg/FR-2021-12-08/pdf/2021-25825.pdf","Exact provisions, printed page, PDF index, and read bounds":"Fresh HTML: Dates and selected HELOC/index/notice discussion. Official PDF parsed first-page text, printed 69716, zero-based index 0. No claim to reading all 85 PDF pages.","Version, effective predicate, and limits":"Effective April 1, 2022, except identified Appendix H amendment effective October 1, 2023. Mandatory §9 change-notice compliance October 1, 2022; other provisions April 1, 2022. Historical text must be read with S019 and S021. \nfederalregister.gov\n+1"},"coordinator_verification_status":"Whole original source usage reviewed; operative body not reopened in this scoped review, original access/version/pixel claims source-attributed and all currentness/application holds retained."},{"source_id":"R013-P1-S019","urls":["https://www.federalregister.gov/documents/2023/05/11/2023-09129/facilitating-the-libor-transition-consistent-with-the-libor-act-regulation-z","https://www.govinfo.gov/content/pkg/FR-2023-05-11/pdf/2023-09129.pdf","https://www.federalregister.gov/documents/2023/05/11/2023-09129/facilitating-the-libor-transition-consistent-with-the-libor-act-regulation-z?utm_source=chatgpt.com","https://www.govinfo.gov/content/pkg/FR-2023-05-11/pdf/2023-09129.pdf?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"R013-P1-S019","Issuer / title / complete literal HTTPS URL":"CFPB/OFR/GPO, Facilitating the LIBOR Transition Consistent With the LIBOR Act, 2023 interim final rule. https://www.federalregister.gov/documents/2023/05/11/2023-09129/facilitating-the-libor-transition-consistent-with-the-libor-act-regulation-z; https://www.govinfo.gov/content/pkg/FR-2023-05-11/pdf/2023-09129.pdf","Exact provisions, printed page, PDF index, and read bounds":"Fresh HTML: Dates; amendments to §2(a)(28), §40(f)(3)(ii)(B); complete revised §40(f)(3)(ii), (A), (B) comments. Printed 30598, 30622, 30625–30628. PDF parsed checks: index 0, 24, and portions of 27–30 covering those provisions; not every intervening PDF line independently re-read.","Version, effective predicate, and limits":"Effective May 15, 2023; comment deadline June 12, 2023 was not an effective-date delay. An interim final rule, not merely a proposal. Updated terminology and 12-month branch used to address S004’s mismatch. \nfederalregister.gov\n+7"},"coordinator_verification_status":"Whole original source usage reviewed; operative body not reopened in this scoped review, original access/version/pixel claims source-attributed and all currentness/application holds retained."},{"source_id":"R013-P1-S020","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":"R013-P1-S020","Issuer / title / complete literal HTTPS URL":"CFPB, Withdrawn Guidance register. https://www.consumerfinance.gov/compliance/guidance/withdrawn-guidance/","Exact provisions, printed page, PDF index, and read bounds":"Fresh HTML: relevant advisory-opinion and circular entries, including existing-account revocations and adverse-action guidance; read relevant register portion, not every entry. No PDF pages.","Version, effective predicate, and limits":"Relevant entries list withdrawal on May 12, 2025. Used for publisher status only. No circular, bulletin, or advisory supplies a substantive conclusion here. \nConsumer Financial Protection Bureau\n+1"},"coordinator_verification_status":"Whole original source usage reviewed; operative body not reopened in this scoped review, original access/version/pixel claims source-attributed and all currentness/application holds retained."},{"source_id":"R013-P1-S021","urls":["https://www.federalregister.gov/documents/2022/02/16/2022-03344/facilitating-the-libor-transition-regulation-z-correction","https://www.federalregister.gov/d/2022-03344?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"R013-P1-S021","Issuer / title / complete literal HTTPS URL":"CFPB/OFR, Facilitating the LIBOR Transition; Correction. https://www.federalregister.gov/documents/2022/02/16/2022-03344/facilitating-the-libor-transition-regulation-z-correction","Exact provisions, printed page, PDF index, and read bounds":"Fresh complete relevant HTML body: summary, Dates, corrections to two preamble footnotes. 87 FR 8733. PDF not opened; index not applicable.","Version, effective predicate, and limits":"Effective February 16, 2022. Corrects hyperlinks/document reference in the 2021 preamble, not the focused freeze grounds. \nfederalregister.gov"},"coordinator_verification_status":"Whole original source usage reviewed; operative body not reopened in this scoped review, original access/version/pixel claims source-attributed and all currentness/application holds retained."},{"source_id":"R013-P1-S022","urls":["https://www.ecfr.gov/current/title-12/chapter-II/subchapter-A/part-215/section-215.5","https://www.ecfr.gov/current/title-12/chapter-II/subchapter-A/part-215/section-215.5?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"R013-P1-S022","Issuer / title / complete literal HTTPS URL":"Federal Reserve/OFR/GPO, 12 CFR §215.5—Additional restrictions on loans to executive officers of member banks. https://www.ecfr.gov/current/title-12/chapter-II/subchapter-A/part-215/section-215.5","Exact provisions, printed page, PDF index, and read bounds":"Fresh complete section, particularly opening scope and (d)(4), with (c) read for the cross-reference. HTML.","Version, effective predicate, and limits":"eCFR currency October 23, 2026. Bounded example of a particular federal written demand-condition requirement. Not a complete Regulation O analysis or an actual executive-officer determination. \necfr.gov\n+1"},"coordinator_verification_status":"Whole original source usage reviewed; operative body not reopened in this scoped review, original access/version/pixel claims source-attributed and all currentness/application holds retained."}],"coverage":[{"topic":"Consumer-credit purpose","researcher_record":{"Coverage item":"Consumer-credit purpose","Disposition and claim/example links":"Answered conditionally — C001–C002, C007; E002","Exact missing authority or facts":"Actual use/purpose and mixed-purpose facts","Next bounded permissible investigation":"Generic §3(a) analysis of a supplied, de-identified product description"},"raw_table_index":16,"coordinator_acceptance":"scoped_review_complete_with_open_missing_evidence_no_component_state_or_parent_acceptance"},{"topic":"Open-end versus closed-end","researcher_record":{"Coverage item":"Open-end versus closed-end","Disposition and claim/example links":"Answered — C004, C013; E001","Exact missing authority or facts":"Actual legal replenishment and advance conditions","Next bounded permissible investigation":"Compare generic plan terms to §2(a)(20)"},"raw_table_index":16,"coordinator_acceptance":"scoped_review_complete_with_open_missing_evidence_no_component_state_or_parent_acceptance"},{"topic":"Dwelling versus principal dwelling","researcher_record":{"Coverage item":"Dwelling versus principal dwelling","Disposition and claim/example links":"Answered — C005","Exact missing authority or facts":"Residential-use facts; which separate principal-dwelling rule matters","Next bounded permissible investigation":"Examine only the relevant generic definition branch"},"raw_table_index":16,"coordinator_acceptance":"scoped_review_complete_with_open_missing_evidence_no_component_state_or_parent_acceptance"},{"topic":"First versus second lien","researcher_record":{"Coverage item":"First versus second lien","Disposition and claim/example links":"Answered for §40 coverage — C005–C006","Exact missing authority or facts":"Actual security and priority facts","Next bounded permissible investigation":"Generic instrument/security classification; no priority adjudication"},"raw_table_index":16,"coordinator_acceptance":"scoped_review_complete_with_open_missing_evidence_no_component_state_or_parent_acceptance"},{"topic":"Manufactured/mobile/boat residence","researcher_record":{"Coverage item":"Manufactured/mobile/boat residence","Disposition and claim/example links":"Answered at definition level — C005, C009","Exact missing authority or facts":"Residential use, attachment, principal use, amount-exemption facts","Next bounded permissible investigation":"Bound a later product-specific definition inquiry"},"raw_table_index":16,"coordinator_acceptance":"scoped_review_complete_with_open_missing_evidence_no_component_state_or_parent_acceptance"},{"topic":"Legally recognized security; incidental interests","researcher_record":{"Coverage item":"Legally recognized security; incidental interests","Disposition and claim/example links":"Partial / facts held — C006","Exact missing authority or facts":"Applicable state/federal recognition and instrument scope","Next bounded permissible investigation":"Published jurisdiction-specific law if separately assigned"},"raw_table_index":16,"coordinator_acceptance":"scoped_review_complete_with_open_missing_evidence_no_component_state_or_parent_acceptance"},{"topic":"Dragnet / cross-collateralization","researcher_record":{"Coverage item":"Dragnet / cross-collateralization","Disposition and claim/example links":"Answered conditionally — C006","Exact missing authority or facts":"Whether clause applies or was effectively waived","Next bounded permissible investigation":"Generic contract-clause comparison"},"raw_table_index":16,"coordinator_acceptance":"scoped_review_complete_with_open_missing_evidence_no_component_state_or_parent_acceptance"},{"topic":"Ordinary creditor and special card roles","researcher_record":{"Coverage item":"Ordinary creditor and special card roles","Disposition and claim/example links":"Answered at federal definition level — C003, C010","Exact missing authority or facts":"Initial payee, regularity, special class, statutory actor exclusion","Next bounded permissible investigation":"Read only an identified generic actor-class exception if necessary"},"raw_table_index":16,"coordinator_acceptance":"scoped_review_complete_with_open_missing_evidence_no_component_state_or_parent_acceptance"},{"topic":"Business credit","researcher_record":{"Coverage item":"Business credit","Disposition and claim/example links":"Excluded from this §40 consumer branch when established — C007; E002","Exact missing authority or facts":"Actual primary purpose","Next bounded permissible investigation":"Separate generic business-credit assignment"},"raw_table_index":16,"coordinator_acceptance":"scoped_review_complete_with_open_missing_evidence_no_component_state_or_parent_acceptance"},{"topic":"Organization / trust","researcher_record":{"Coverage item":"Organization / trust","Disposition and claim/example links":"Answered with exceptions — C008","Exact missing authority or facts":"Legal structure and consumer substance","Next bounded permissible investigation":"Generic trust/organizational classification"},"raw_table_index":16,"coordinator_acceptance":"scoped_review_complete_with_open_missing_evidence_no_component_state_or_parent_acceptance"},{"topic":"Amount exemption","researcher_record":{"Coverage item":"Amount exemption","Disposition and claim/example links":"Answered conditionally — C009","Exact missing authority or facts":"Relevant period, security type, initial extension/commitment","Next bounded permissible investigation":"Period-specific official threshold and commitment analysis"},"raw_table_index":16,"coordinator_acceptance":"scoped_review_complete_with_open_missing_evidence_no_component_state_or_parent_acceptance"},{"topic":"Card-access HELOC versus non-home-secured card","researcher_record":{"Coverage item":"Card-access HELOC versus non-home-secured card","Disposition and claim/example links":"Answered — C010","Exact missing authority or facts":"Actual account structure","Next bounded permissible investigation":"No complete credit-card regime investigation in this pass"},"raw_table_index":16,"coordinator_acceptance":"scoped_review_complete_with_open_missing_evidence_no_component_state_or_parent_acceptance"},{"topic":"Historical plan and security-addition dates","researcher_record":{"Coverage item":"Historical plan and security-addition dates","Disposition and claim/example links":"Answered conditionally — C011","Exact missing authority or facts":"Original entry, renewal, security-addition dates","Next bounded permissible investigation":"Historical official version for a stipulated date category"},"raw_table_index":16,"coordinator_acceptance":"scoped_review_complete_with_open_missing_evidence_no_component_state_or_parent_acceptance"},{"topic":"Draw/repayment phases and later conversion","researcher_record":{"Coverage item":"Draw/repayment phases and later conversion","Disposition and claim/example links":"Answered — C012–C013","Exact missing authority or facts":"Original versus later terms; replenishment","Next bounded permissible investigation":"Generic clause-level classification"},"raw_table_index":16,"coordinator_acceptance":"scoped_review_complete_with_open_missing_evidence_no_component_state_or_parent_acceptance"},{"topic":"Reverse-mortgage definition","researcher_record":{"Coverage item":"Reverse-mortgage definition","Disposition and claim/example links":"Answered at boundary level — C014; E016","Exact missing authority or facts":"Nonrecourse, principal security, payment-event structure","Next bounded permissible investigation":"Product-specific §33 study if separately assigned"},"raw_table_index":16,"coordinator_acceptance":"scoped_review_complete_with_open_missing_evidence_no_component_state_or_parent_acceptance"},{"topic":"Reverse termination / government program","researcher_record":{"Coverage item":"Reverse termination / government program","Disposition and claim/example links":"Partial — C015; E016","Exact missing authority or facts":"Applicable HUD/HECM or other program; spouse/occupancy/cure facts","Next bounded permissible investigation":"Official program rules only after a bounded program assignment"},"raw_table_index":16,"coordinator_acceptance":"scoped_review_complete_with_open_missing_evidence_no_component_state_or_parent_acceptance"},{"topic":"Fraud/material misrepresentation","researcher_record":{"Coverage item":"Fraud/material misrepresentation","Disposition and claim/example links":"Answered federal condition; state elements held — C018; E018","Exact missing authority or facts":"Required state elements, intent, materiality, actual conduct","Next bounded permissible investigation":"Published law of a specified jurisdiction, without case-record searches"},"raw_table_index":16,"coordinator_acceptance":"scoped_review_complete_with_open_missing_evidence_no_component_state_or_parent_acceptance"},{"topic":"Actual repayment failure","researcher_record":{"Coverage item":"Actual repayment failure","Disposition and claim/example links":"Answered — C019; E019","Exact missing authority or facts":"Actual obligation and payment facts","Next bounded permissible investigation":"Generic payment/default clause analysis"},"raw_table_index":16,"coordinator_acceptance":"scoped_review_complete_with_open_missing_evidence_no_component_state_or_parent_acceptance"},{"topic":"Cure and timing before acceleration","researcher_record":{"Coverage item":"Cure and timing before acceleration","Disposition and claim/example links":"Partial / held — C020","Exact missing authority or facts":"State, instrument, insolvency, other-law duties","Next bounded permissible investigation":"Separate jurisdiction/product cure research; no personal deadline"},"raw_table_index":16,"coordinator_acceptance":"scoped_review_complete_with_open_missing_evidence_no_component_state_or_parent_acceptance"},{"topic":"Security impairment and actor","researcher_record":{"Coverage item":"Security impairment and actor","Disposition and claim/example links":"Answered federal test — C021–C022; E022","Exact missing authority or facts":"Causation, collateral/right affected, actual impairment","Next bounded permissible investigation":"Generic legal-effect analysis under identified applicable law"},"raw_table_index":16,"coordinator_acceptance":"scoped_review_complete_with_open_missing_evidence_no_component_state_or_parent_acceptance"},{"topic":"Third-party events and official examples","researcher_record":{"Coverage item":"Third-party events and official examples","Disposition and claim/example links":"Answered with preserved qualifications — C021–C022","Exact missing authority or facts":"Actual fit with an express example and other law","Next bounded permissible investigation":"No expansion beyond the published examples without authority"},"raw_table_index":16,"coordinator_acceptance":"scoped_review_complete_with_open_missing_evidence_no_component_state_or_parent_acceptance"},{"topic":"Executive-officer federal demand condition","researcher_record":{"Coverage item":"Executive-officer federal demand condition","Disposition and claim/example links":"Partial, bounded — C023","Exact missing authority or facts":"Actor/program coverage, category, required condition, initial clause","Next bounded permissible investigation":"Complete generic Regulation O branch only if needed"},"raw_table_index":16,"coordinator_acceptance":"scoped_review_complete_with_open_missing_evidence_no_component_state_or_parent_acceptance"},{"topic":"Lesser action instead of acceleration","researcher_record":{"Coverage item":"Lesser action instead of acceleration","Disposition and claim/example links":"Answered — C024; E013","Exact missing authority or facts":"Valid ground existing at action time","Next bounded permissible investigation":"Compare stipulated grounds and action; preserve notice branches"},"raw_table_index":16,"coordinator_acceptance":"scoped_review_complete_with_open_missing_evidence_no_component_state_or_parent_acceptance"},{"topic":"Unsupported versus significant value decline","researcher_record":{"Coverage item":"Unsupported versus significant value decline","Disposition and claim/example links":"Answered — C027–C028; E003–E004","Exact missing authority or facts":"Baseline, reliable changed value, significance facts","Next bounded permissible investigation":"Generic methodology only; no property lookup"},"raw_table_index":16,"coordinator_acceptance":"scoped_review_complete_with_open_missing_evidence_no_component_state_or_parent_acceptance"},{"topic":"Financial change plus reasonable inability belief","researcher_record":{"Coverage item":"Financial change plus reasonable inability belief","Disposition and claim/example links":"Answered — C029–C030; E005–E006","Exact missing authority or facts":"Material change and contemporaneous causal reasoning","Next bounded permissible investigation":"Generic evidence-category review, no score/report query"},"raw_table_index":16,"coordinator_acceptance":"scoped_review_complete_with_open_missing_evidence_no_component_state_or_parent_acceptance"},{"topic":"Material-obligation default","researcher_record":{"Coverage item":"Material-obligation default","Disposition and claim/example links":"Answered conditionally — C031; E007","Exact missing authority or facts":"Material agreement term, breach, required category disclosure","Next bounded permissible investigation":"Generic obligation and disclosure comparison"},"raw_table_index":16,"coordinator_acceptance":"scoped_review_complete_with_open_missing_evidence_no_component_state_or_parent_acceptance"},{"topic":"Government APR restriction","researcher_record":{"Coverage item":"Government APR restriction","Disposition and claim/example links":"Answered conditionally — C032; E008","Exact missing authority or facts":"Operative applicable law, preclusion, duration","Next bounded permissible investigation":"Published government-action text only"},"raw_table_index":16,"coordinator_acceptance":"scoped_review_complete_with_open_missing_evidence_no_component_state_or_parent_acceptance"},{"topic":"Government priority impairment","researcher_record":{"Coverage item":"Government priority impairment","Disposition and claim/example links":"Answered conditionally — C033; E009","Exact missing authority or facts":"Government causation, priority effect, security-value/line predicate","Next bounded permissible investigation":"Separate generic priority-law study; no title/record search"},"raw_table_index":16,"coordinator_acceptance":"scoped_review_complete_with_open_missing_evidence_no_component_state_or_parent_acceptance"},{"topic":"Regulatory unsafe-and-unsound direction","researcher_record":{"Coverage item":"Regulatory unsafe-and-unsound direction","Disposition and claim/example links":"Answered conditionally — C034; E010","Exact missing authority or facts":"Applicable regulator notification and continuing scope","Next bounded permissible investigation":"Public generic regulatory text if relevant; no institution query"},"raw_table_index":16,"coordinator_acceptance":"scoped_review_complete_with_open_missing_evidence_no_component_state_or_parent_acceptance"},{"topic":"Creditor-policy-only restriction","researcher_record":{"Coverage item":"Creditor-policy-only restriction","Disposition and claim/example links":"Answered — C025, C042; E011","Exact missing authority or facts":"Any genuinely separate permitted ground","Next bounded permissible investigation":"No general policy exception inferred"},"raw_table_index":16,"coordinator_acceptance":"scoped_review_complete_with_open_missing_evidence_no_component_state_or_parent_acceptance"},{"topic":"Maximum-rate condition","researcher_record":{"Coverage item":"Maximum-rate condition","Disposition and claim/example links":"Answered — C035, C050; E017","Exact missing authority or facts":"Initial reservation, maximum, event and duration","Next bounded permissible investigation":"Generic rate-cap clause analysis"},"raw_table_index":16,"coordinator_acceptance":"scoped_review_complete_with_open_missing_evidence_no_component_state_or_parent_acceptance"},{"topic":"Temporary duration and cessation","researcher_record":{"Coverage item":"Temporary duration and cessation","Disposition and claim/example links":"Answered — C036; E012","Exact missing authority or facts":"When condition ended; other grounds; draw-period status","Next bounded permissible investigation":"Generic reinstatement sequencing"},"raw_table_index":16,"coordinator_acceptance":"scoped_review_complete_with_open_missing_evidence_no_component_state_or_parent_acceptance"},{"topic":"Monitoring/request alternatives","researcher_record":{"Coverage item":"Monitoring/request alternatives","Disposition and claim/example links":"Answered — C037, C058","Exact missing authority or facts":"Proper notice, request, investigation sequence","Next bounded permissible investigation":"Compare blank/generic notice wording"},"raw_table_index":16,"coordinator_acceptance":"scoped_review_complete_with_open_missing_evidence_no_component_state_or_parent_acceptance"},{"topic":"Reinstatement charges","researcher_record":{"Coverage item":"Reinstatement charges","Disposition and claim/example links":"Answered — C038; E021","Exact missing authority or facts":"Actual incurred cost, fee purpose, state law","Next bounded permissible investigation":"Separate generic state fee rule if assigned"},"raw_table_index":16,"coordinator_acceptance":"scoped_review_complete_with_open_missing_evidence_no_component_state_or_parent_acceptance"},{"topic":"Consumer-requested/multiple-consumer freeze","researcher_record":{"Coverage item":"Consumer-requested/multiple-consumer freeze","Disposition and claim/example links":"Answered — C039","Exact missing authority or facts":"Agreement permissions and request requirements","Next bounded permissible investigation":"Generic joint-obligation clause analysis"},"raw_table_index":16,"coordinator_acceptance":"scoped_review_complete_with_open_missing_evidence_no_component_state_or_parent_acceptance"},{"topic":"Documentation and retention","researcher_record":{"Coverage item":"Documentation and retention","Disposition and claim/example links":"Answered within §25(a) — C040","Exact missing authority or facts":"Actual compliance evidence; other applicable retention rules","Next bounded permissible investigation":"No broad discovery or records-request branch in this pass"},"raw_table_index":16,"coordinator_acceptance":"scoped_review_complete_with_open_missing_evidence_no_component_state_or_parent_acceptance"},{"topic":"Contractual change limits","researcher_record":{"Coverage item":"Contractual change limits","Disposition and claim/example links":"Answered — C041–C045; E020","Exact missing authority or facts":"Exact existing and proposed clauses","Next bounded permissible investigation":"Generic clause comparison"},"raw_table_index":16,"coordinator_acceptance":"scoped_review_complete_with_open_missing_evidence_no_component_state_or_parent_acceptance"},{"topic":"Variable index and replacement","researcher_record":{"Coverage item":"Variable index and replacement","Disposition and claim/example links":"Answered to necessary conditions — C046–C049","Exact missing authority or facts":"Actual index, contract, margin, replacement date","Next bounded permissible investigation":"Separate numerical transition audit only if expressly assigned"},"raw_table_index":16,"coordinator_acceptance":"scoped_review_complete_with_open_missing_evidence_no_component_state_or_parent_acceptance"},{"topic":"Lifetime maximum rate","researcher_record":{"Coverage item":"Lifetime maximum rate","Disposition and claim/example links":"Answered at governing-rule level — C050","Exact missing authority or facts":"Initial cap and permitted-change facts","Next bounded permissible investigation":"No APR/points/usury calculation here"},"raw_table_index":16,"coordinator_acceptance":"scoped_review_complete_with_open_missing_evidence_no_component_state_or_parent_acceptance"},{"topic":"Early application disclosure","researcher_record":{"Coverage item":"Early application disclosure","Disposition and claim/example links":"Answered to focused content/timing — C051, C053–C056","Exact missing authority or facts":"Distribution method and application event","Next bounded permissible investigation":"Blank disclosure review, without full underwriting redo"},"raw_table_index":16,"coordinator_acceptance":"scoped_review_complete_with_open_missing_evidence_no_component_state_or_parent_acceptance"},{"topic":"Opening condition list","researcher_record":{"Coverage item":"Opening condition list","Disposition and claim/example links":"Answered — C052","Exact missing authority or facts":"Actual list, retainability, timing","Next bounded permissible investigation":"Generic account-opening document review"},"raw_table_index":16,"coordinator_acceptance":"scoped_review_complete_with_open_missing_evidence_no_component_state_or_parent_acceptance"},{"topic":"Later restriction notice","researcher_record":{"Coverage item":"Later restriction notice","Disposition and claim/example links":"Answered — C057–C059; E014","Exact missing authority or facts":"Ground, action date, dispatch, content, recipient","Next bounded permissible investigation":"Blank notice comparison; no actual deadline"},"raw_table_index":16,"coordinator_acceptance":"scoped_review_complete_with_open_missing_evidence_no_component_state_or_parent_acceptance"},{"topic":"Other changes / 15-day rule","researcher_record":{"Coverage item":"Other changes / 15-day rule","Disposition and claim/example links":"Answered with text/comment qualification — C060–C061","Exact missing authority or facts":"Change type, agreement, exception","Next bounded permissible investigation":"Narrow clause-specific notice analysis"},"raw_table_index":16,"coordinator_acceptance":"scoped_review_complete_with_open_missing_evidence_no_component_state_or_parent_acceptance"},{"topic":"Electronic delivery / recipients / business days","researcher_record":{"Coverage item":"Electronic delivery / recipients / business days","Disposition and claim/example links":"Answered conditionally — C062–C064","Exact missing authority or facts":"Consent, medium, liable-party roles, business schedule","Next bounded permissible investigation":"Generic delivery requirements only"},"raw_table_index":16,"coordinator_acceptance":"scoped_review_complete_with_open_missing_evidence_no_component_state_or_parent_acceptance"},{"topic":"Regulation B adverse-action classification","researcher_record":{"Coverage item":"Regulation B adverse-action classification","Disposition and claim/example links":"Answered, bounded — C066–C068","Exact missing authority or facts":"Class-wide effect, exception, application versus account action","Next bounded permissible investigation":"Separate classification of stipulated generic facts"},"raw_table_index":16,"coordinator_acceptance":"scoped_review_complete_with_open_missing_evidence_no_component_state_or_parent_acceptance"},{"topic":"Regulation B content, timing, exceptions","researcher_record":{"Coverage item":"Regulation B content, timing, exceptions","Disposition and claim/example links":"Answered, bounded — C069–C071","Exact missing authority or facts":"Applicable actor exception and notice path","Next bounded permissible investigation":"Blank notice review; no complete origination investigation"},"raw_table_index":16,"coordinator_acceptance":"scoped_review_complete_with_open_missing_evidence_no_component_state_or_parent_acceptance"},{"topic":"Nondiscrimination / FCRA","researcher_record":{"Coverage item":"Nondiscrimination / FCRA","Disposition and claim/example links":"Partial / held — C070, C072","Exact missing authority or facts":"Actual discrimination evidence; complete FCRA authority and facts","Next bounded permissible investigation":"Separate official-source assignment; no report or person query"},"raw_table_index":16,"coordinator_acceptance":"scoped_review_complete_with_open_missing_evidence_no_component_state_or_parent_acceptance"},{"topic":"Draw rights versus payments","researcher_record":{"Coverage item":"Draw rights versus payments","Disposition and claim/example links":"Answered — C073; E015","Exact missing authority or facts":"Actual repayment and draw terms","Next bounded permissible investigation":"No balance, credit-availability, or discharge determination"},"raw_table_index":16,"coordinator_acceptance":"scoped_review_complete_with_open_missing_evidence_no_component_state_or_parent_acceptance"},{"topic":"Currentness and selected history","researcher_record":{"Coverage item":"Currentness and selected history","Disposition and claim/example links":"Answered with explicit gaps — C074–C081","Exact missing authority or facts":"Full intervening law audit and complete supplement comparison","Next bounded permissible investigation":"Additional public primary version comparison, if assigned"},"raw_table_index":16,"coordinator_acceptance":"scoped_review_complete_with_open_missing_evidence_no_component_state_or_parent_acceptance"},{"topic":"Guidance withdrawal","researcher_record":{"Coverage item":"Guidance withdrawal","Disposition and claim/example links":"Answered for materials identified — C079","Exact missing authority or facts":"No substantive reliance on advisory/circular content","Next bounded permissible investigation":"Recheck register and publisher if a future assignment would use guidance"},"raw_table_index":16,"coordinator_acceptance":"scoped_review_complete_with_open_missing_evidence_no_component_state_or_parent_acceptance"},{"topic":"Opinions, standing, remedies, litigation","researcher_record":{"Coverage item":"Opinions, standing, remedies, litigation","Disposition and claim/example links":"Excluded / preserved","Exact missing authority or facts":"No consequential opinion was necessary here; actual jurisdiction/remedy facts absent","Next bounded permissible investigation":"Separate published-opinion research only if material; no dockets"},"raw_table_index":16,"coordinator_acceptance":"scoped_review_complete_with_open_missing_evidence_no_component_state_or_parent_acceptance"},{"topic":"Remaining A013 dimensions","researcher_record":{"Coverage item":"Remaining A013 dimensions","Disposition and claim/example links":"Unresolved by design","Exact missing authority or facts":"All broader product, servicing, foreclosure, deficiency, loss-mitigation, and other parent matters","Next bounded permissible investigation":"Separate focused component; no parent closure"},"raw_table_index":16,"coordinator_acceptance":"scoped_review_complete_with_open_missing_evidence_no_component_state_or_parent_acceptance"}],"annotations":{},"corrections":[],"resolved_corrections":[],"review_history":[{"id":"R013-P1-REVIEW-SCOPE","status":"scoped_coordinator_review_complete_selected_primary_with_retained_holds","at":null},{"id":"R013-P1-PUBLICATION-VERSION-HOLD","status":"open_existing_publisher_mismatch_and_complete_currentness_source_status_holds","at":null},{"id":"R013-P1-ACTUAL-APPLICATION-PARENT-HOLD","status":"open_all_actual_product_purpose_contract_value_authority_notice_reinstatement_jurisdiction_parent_questions","at":null}]}