{"meta":{"key":"r015--pass-01","task":"R015","title":"Federal consumer vehicle-lease early termination and default charges","parent_title":"Vehicle and asset financing","edition":"pass-01","path":"/research/r015--pass-01/","kind":"split_pass","category":"subject","role":"primary_area","area_numbers":[15],"groups":["debt-types"],"date":"2026-10-27","tables":16,"claims":73,"sources":18,"review_status":"revise_resolved_by_additive_pass02_with_limits","review_complete":true,"sha256":"fb6e3380e757872eeda8c4ddd042a8627e7af38f1a24d74f48c22bf73a6eaaa4","headings":["Focused finding and research boundary","1. Version, effectiveness, and currentness findings","2. Source table","Reading conventions","3. Atomic claim table","A. Product, coverage, exclusions, and actors","B. Early termination, default, and substantive charge limits","C. Named methods, contract variables, and valuation","D. Appraisal and ordinary-expiration residual liability","E. Delivery, consent, estimates, and changed transactions","F. Advertising, state law, and unresolved application","4. Provision-specific comparison","Requests, recipients, and timing must remain separate","5. Blank generic document-audit worksheet","6. Clearly hypothetical qualitative failure branches","7. Granular coverage table","8. Read and failure log","9. Question → claim/source crosswalk","10. Self-check — not independent review","11. 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":"R015/pass-01","facets":{"geography":["us","us-federal"],"debt_type":["auto"],"stage":[],"subject":[]},"scope":"SettleADebt R015 PASS-01 — FIRST FOCUSED A015 COMPONENT: US FEDERAL CONSUMER VEHICLE-LEASE EARLY-TERMINATION AND DEFAULT-CHARGE FRAMEWORK UNDER THE CONSUMER LEASING ACT AND REGULATION M. Independently investigate generic published statutes, regulations, official interpretations and public generic contracts only if needed. A015 is vehicle and asset financing; preserve all unaddressed vehicle-credit/repo/deficiency/title and other-asset dimensions. No unreviewed R004/R008/R010/R012/R013 or any saved report is a foundation. No actual person, lessor, dealer, lender, lessee, vehicle, VIN, loan, account, property, entity, license, case-record, docket-status or identifier query.","pending_corrections":0},"markdown":"# SettleADebt R015 PASS-01\n\n## Focused finding and research boundary\n\n**For a covered consumer vehicle lease, federal law requires disclosure of the conditions and charges for early termination and independently limits delinquency, default, and early-termination charges to reasonable amounts.** Disclosure of a charge, use of a recognized calculation method, or delivery of a model disclosure does not by itself establish that the charge is reasonable, contractually authorized, or enforceable under applicable state law. The governing provisions do not create a universal cancellation right, payoff formula, cure period, acceleration right, or repossession right. [uscode.house.gov+3](https://uscode.house.gov/us/usc/119-118/t15/s1667a/?utm_source=chatgpt.com)\n\n**The verified annual threshold for a lease consummated during January 1–December 31, 2026 is $73,400.** That is a threshold for the defined **total contractual obligation**, not automatically the vehicle’s price, capitalized cost, residual value, or total disclosed payments. Coverage also requires the other product, purpose, property, term, lessee, and lessor conditions below. [govinfo.gov+2](https://www.govinfo.gov/content/pkg/FR-2025-12-15/html/2025-22813.htm?utm_source=chatgpt.com)\n\nThis is a fresh, bounded investigation of published federal law and official interpretations. No saved report or earlier R004/R008/R010/R012/R013 analysis was used as a foundation. No actual contract, person, business, vehicle, account, license, property, record, or docket was queried. No public generic contract was necessary to establish this framework.\n\n**Actual research check:** October 27, 2026, America/Los_Angeles. A clock check during the investigation returned **15:55:29 PDT / 22:55:29 UTC**. Access dates below are research dates, not enactment or effective dates. No independently verified claim is made about the application’s model-picker label or UI provenance.\n\nAll periods below describe statutory or regulatory triggers. **No actual calendar deadline, vehicle value, collectible balance, lawful APR, lease payoff, eligibility, or liability has been calculated.**\n\n## 1. Version, effectiveness, and currentness findings\n\n| Material | Version or effective predicate actually established | Treatment in this report | Remaining limit |\n| --- | --- | --- | --- |\n| Consumer Leasing Act, 15 U.S.C. §§1667–1667f, selected sections | OLRC bodies displayed laws in effect through **Public Law 119-120, October 7, 2026**, including where the literal URL contains 119-118. The CLA’s original effective-date note specifies one year after March 23, 1976. | Statutory text, distinguished from regulations and interpretations. | The compilation banner does not establish a complete session-law review through October 27, 2026. |\n| Annual inflation authority | Pub. L. 111-203 §1100E(b), reproduced in the §1603 inflation note, directs annual adjustment on and after December 31, 2011. | Statutory authority for annual adjustments; not a substitute for the applicable year’s published amount. | No independent reconstruction of every historical inflation calculation. |\n| CFPB Regulation M republication | **76 FR 78500**, December 19, 2011; effective **December 30, 2011**. A December 29 correction supplied the 2012 threshold entry. | Historical transfer/republication and correction, read within the bounds recorded below. | The original republication is not treated as the complete current regulation. |\n| CFPB adoption of interim rules | **81 FR 25323**, April 28, 2016; effective **April 28, 2016**. The issuance provision adopted the Regulation M interim rule subject to intervening amendments. | Historical final-rule status. | Selected Regulation M adoption language read; not every regulation addressed by that omnibus rule. |\n| 2025 annual CFR | Title 12, volume 8, part 1013, **January 1, 2025 edition**, printed pp. 505–531. | Official historical annual codification used to check selected operative clauses and commentary. | It is not the 2026 annual edition. |\n| 2026 threshold final rule | **90 FR 57878–57882**, published December 15, 2025; effective **January 1, 2026**; threshold **$73,400** for January 1–December 31, 2026. | Final rule and official-interpretation amendment, including both parts 213 and 1013. | Not a 2027 threshold determination. |\n| Agency regulation webpages | CFPB pages identify their versions as current; the part index identifies January 1, 2026 as the most recent amendment. Board materials retain part 213 for the relevant dealer jurisdiction. | Official publisher presentations of the working operative bodies. | An agency “current” label is not an official annual-CFR, List of CFR Sections Affected, session-law, or complete litigation-history audit. CFPB itself distinguishes its web presentation from the official legal edition. |\n| eCFR and 2026 annual CFR | eCFR access encountered an access gate; the attempted 2026 annual part 1013 and part 213 PDFs were not retrievable. | Explicit retrieval gaps. | No inference that the provisions do not exist, were repealed, or have no amendments. |\n| Proposed, future-effective, stayed, vacated, repealed, or withdrawn materials | No such material was used as an operative substitute. | Separate from the operative bodies and historical final rules above. | A complete intervening amendment, stay, vacatur, and later judicial-history audit remains unestablished. |\n| CFPB circulars, bulletins, advisories; published opinions | None relied upon. | No guidance-based or opinion-based holding asserted. | The Withdrawn Guidance register was **not needed or checked** for this report. No implication that withdrawal repeals a statute or regulation. A case citation appearing inside an official comment was not treated as a separately read opinion. |\n\nThe annual threshold, historical adoption dates, and continuing Board/CFPB jurisdictional division are supported by the actual final rules and statutory bodies, rather than by a general overview or a renamed-regulation assumption. [uscode.house.gov+6](https://uscode.house.gov/us/usc/119-118/t15/s1603/?utm_source=chatgpt.com)\n\n## 2. Source table\n\n### Reading conventions\n\nEvery entry was accessed or attempted on **2026-10-27 PDT** and concerns **United States federal law**. Those common date and jurisdiction fields apply to every row.\n\n- **Fresh:** body read during this investigation.\n- **Discovery:** index, metadata, or a limited opening used to locate material, not substantive corroboration.\n- **Failure:** the requested body was not obtained.\n- **HTML:** printed page and zero-based PDF index are not applicable unless Federal Register printed-page markers are identified.\n- Sections and alternative presentations of the **same legal document are grouped**. They are not counted as independent corroboration.\n- PDF statements below describe **parsed text**. No successful pixel inspection is claimed.\n\n| Source ID | Issuer, title, and complete literal HTTPS URLs | Exact clauses/comments and read bounds | Version/effective predicate; status and limits |\n| --- | --- | --- | --- |\n| **R015-P1-S001** | **OLRC — Consumer Leasing Act statutory family**. [https://uscode.house.gov/us/usc/119-118/t15/s1667/](https://uscode.house.gov/us/usc/119-118/t15/s1667/?utm_source=chatgpt.com) [https://uscode.house.gov/us/usc/119-118/t15/s1667a/](https://uscode.house.gov/us/usc/119-118/t15/s1667a/?utm_source=chatgpt.com) [https://uscode.house.gov/us/usc/119-118/t15/s1667b/](https://uscode.house.gov/us/usc/119-118/t15/s1667b/?utm_source=chatgpt.com) [https://uscode.house.gov/us/usc/119-118/t15/s1667c/](https://uscode.house.gov/us/usc/119-118/t15/s1667c/?utm_source=chatgpt.com) [https://uscode.house.gov/us/usc/119-118/t15/s1667e/](https://uscode.house.gov/us/usc/119-118/t15/s1667e/?utm_source=chatgpt.com) [https://uscode.house.gov/us/usc/119-118/t15/s1667f/](https://uscode.house.gov/us/usc/119-118/t15/s1667f/?utm_source=chatgpt.com) | Fresh complete operative bodies: §1667 definitions (1)–(5); §1667a opening, (1)–(11), closing; §1667b(a)–(c); §1667c(a)–(c); §1667e(a)–(b); §1667f(a)–(b). Selected effective-date/editorial notes also read. HTML; no PDF index. | Displayed compilation through P.L. 119-120, October 7, 2026. Statutory text and editorial notes distinguished. No §1667d remedies investigation or complete subsequent session-law audit. [uscode.house.gov+5](https://uscode.house.gov/us/usc/119-118/t15/s1667/?utm_source=chatgpt.com) |\n| **R015-P1-S002** | **OLRC — TILA credit-sale definition and inflation authority**. [https://uscode.house.gov/us/usc/119-118/t15/s1602/](https://uscode.house.gov/us/usc/119-118/t15/s1602/?utm_source=chatgpt.com) [https://uscode.house.gov/us/usc/119-118/t15/s1603/](https://uscode.house.gov/us/usc/119-118/t15/s1603/?utm_source=chatgpt.com) | Fresh §1602(h); §1603 “Adjustments for Inflation” note, P.L. 111-203 §1100E(b), and relevant 2010 effective-date note. Other visible §1603 exclusions were not used to complete vehicle-credit analysis. HTML. | Same displayed statutory-compilation limit. §1667’s older cross-reference to §1602(g) is explained by the editorial redesignation to (h). [uscode.house.gov+1](https://uscode.house.gov/us/usc/119-118/t15/s1602/?utm_source=chatgpt.com) |\n| **R015-P1-S003** | **OLRC — 12 U.S.C. §5519, Exclusion for auto dealers**. [https://uscode.house.gov/us/usc/119-120/t12/s5519/](https://uscode.house.gov/us/usc/119-120/t12/s5519/?utm_source=chatgpt.com) | Fresh complete (a)–(f), including all three functional exceptions, preservation of other-agency authority, and statutory vehicle/dealer definitions; effective-date note. HTML. | Dodd-Frank §1029; displayed compilation through October 7, 2026. No actual dealer, license, business-line, or assignment-practice determination. [uscode.house.gov](https://uscode.house.gov/us/usc/119-120/t12/s5519/?utm_source=chatgpt.com) |\n| **R015-P1-S004** | **OLRC — 15 U.S.C. §7001, E-SIGN general rule of validity**. [https://uscode.house.gov/us/usc/119-118/t15/s7001/](https://uscode.house.gov/us/usc/119-118/t15/s7001/?utm_source=chatgpt.com) | Fresh (a)–(f), including consumer consent, access demonstration, changed-system requirements, withdrawal, preservation of other law, retention, and proximity; selected effective-date notes. HTML. | General E-SIGN effective date October 1, 2000; retention provisions have separate transition dates in the notes. No actual consent or legacy-consent conclusion. [uscode.house.gov+2](https://uscode.house.gov/us/usc/119-118/t15/s7001/?utm_source=chatgpt.com) |\n| **R015-P1-S005** | **CFPB — 12 CFR part 1013 and Supplement I, grouped agency presentation**. [https://www.consumerfinance.gov/rules-policy/regulations/1013/1/](https://www.consumerfinance.gov/rules-policy/regulations/1013/1/?utm_source=chatgpt.com) [https://www.consumerfinance.gov/rules-policy/regulations/1013/interp-1/](https://www.consumerfinance.gov/rules-policy/regulations/1013/interp-1/?utm_source=chatgpt.com) [https://www.consumerfinance.gov/rules-policy/regulations/1013/2/](https://www.consumerfinance.gov/rules-policy/regulations/1013/2/?utm_source=chatgpt.com) [https://www.consumerfinance.gov/rules-policy/regulations/1013/3/](https://www.consumerfinance.gov/rules-policy/regulations/1013/3/?utm_source=chatgpt.com) [https://www.consumerfinance.gov/rules-policy/regulations/1013/4/](https://www.consumerfinance.gov/rules-policy/regulations/1013/4/?utm_source=chatgpt.com) [https://www.consumerfinance.gov/rules-policy/regulations/1013/interp-4/](https://www.consumerfinance.gov/rules-policy/regulations/1013/interp-4/?utm_source=chatgpt.com) [https://www.consumerfinance.gov/rules-policy/regulations/1013/5/](https://www.consumerfinance.gov/rules-policy/regulations/1013/5/?utm_source=chatgpt.com) [https://www.consumerfinance.gov/rules-policy/regulations/1013/interp-5/](https://www.consumerfinance.gov/rules-policy/regulations/1013/interp-5/?utm_source=chatgpt.com) [https://www.consumerfinance.gov/rules-policy/regulations/1013/7/](https://www.consumerfinance.gov/rules-policy/regulations/1013/7/?utm_source=chatgpt.com) [https://www.consumerfinance.gov/rules-policy/regulations/1013/9/](https://www.consumerfinance.gov/rules-policy/regulations/1013/9/?utm_source=chatgpt.com) [https://www.consumerfinance.gov/rules-policy/regulations/1013/a/](https://www.consumerfinance.gov/rules-policy/regulations/1013/a/?utm_source=chatgpt.com) | Fresh §§1, 2, 3, 5, 7, 9 operative bodies and necessary integrated comments; standalone comment 1-1 and comment 5-1; §4(a)–(m), (q)–(t) and necessary comments. Relevant §4 comments were also checked in the standalone interpretation presentation. Appendix A **comments 1–4 only**; model-form images were not inspected. Incidental insurance/security/warranty text appearing in retrievals was not developed into those parent components. HTML. | Pages say current; operative rules distinguished from official interpretations. Subject to S008/S009 checks and currentness limits. Multiple pages remain one regulation/commentary family. [Consumer Financial Protection Bureau+7](https://www.consumerfinance.gov/rules-policy/regulations/1013/2/?utm_source=chatgpt.com) |\n| **R015-P1-S006** | **CFPB and Federal Reserve — Regulation Z credit-sale definition**. [https://www.consumerfinance.gov/rules-policy/regulations/1026/2/](https://www.consumerfinance.gov/rules-policy/regulations/1026/2/?utm_source=chatgpt.com) [https://www.federalreserve.gov/frrs/regulations/section-2262-definitions-and-rules-of-construction.htm](https://www.federalreserve.gov/frrs/regulations/section-2262-definitions-and-rules-of-construction.htm?utm_source=chatgpt.com) | Fresh §1026.2(a)(16) and relevant comments, especially comments 1–2; Board §226.2(a)(16). Selected provisions only, not whole Regulation Z. HTML. | Used to follow Regulation M’s credit-sale cross-reference and distinguish a direct loan. Actual Regulation Z coverage and credit-origination compliance remain held. [Consumer Financial Protection Bureau+1](https://www.consumerfinance.gov/rules-policy/regulations/1026/2/?utm_source=chatgpt.com) |\n| **R015-P1-S007** | **Federal Reserve — continuing Regulation M, part 213**. [https://www.federalreserve.gov/frrs/regulations/section-2131-authority-scope-purpose-and-enforcement.htm](https://www.federalreserve.gov/frrs/regulations/section-2131-authority-scope-purpose-and-enforcement.htm?utm_source=chatgpt.com) [https://www.federalreserve.gov/frrs/regulations/section-2134-content-of-disclosures.htm](https://www.federalreserve.gov/frrs/regulations/section-2134-content-of-disclosures.htm?utm_source=chatgpt.com) [https://www.federalreserve.gov/frrs/regulations/official-staff-commentary-on-regulation-m.htm](https://www.federalreserve.gov/frrs/regulations/official-staff-commentary-on-regulation-m.htm?utm_source=chatgpt.com) | Fresh §213.1; selected complete §213.4(g), (k)–(m), (q), related provisions; comments 4(g)(1)-1–5, 4(l), 4(m), 4(q)-1–5, 5-1, and current threshold commentary. HTML; long navigation portions not substantive reads. | Continuing dealer jurisdiction corroborated by S009. Website headers are not a full amendment history; this is not dismissed as merely an obsolete former number. [federalreserve.gov+5](https://www.federalreserve.gov/frrs/regulations/section-2131-authority-scope-purpose-and-enforcement.htm?utm_source=chatgpt.com) |\n| **R015-P1-S008** | **GPO/GovInfo — 2025 annual CFR, title 12, volume 8, part 1013**. [https://www.govinfo.gov/content/pkg/CFR-2025-title12-vol8/pdf/CFR-2025-title12-vol8-part1013.pdf](https://www.govinfo.gov/content/pkg/CFR-2025-title12-vol8/pdf/CFR-2025-title12-vol8-part1013.pdf?utm_source=chatgpt.com) | Fresh selected parsed text from printed **505–531**, PDF indices **0–26**. Selected reads: p.505/index0; pp.508–510/indices3–5; pp.521–522/indices16–17; pp.525–528/indices20–23; selected Appendix A commentary at p.531/index26. Material included §§4(g), (k)–(m), (q), realized-value comments, named-method comments, appraisal and excess-liability comments. | Edition January 1, 2025; historical annual codification. **Not all 27 pages read, no full-form or pixel-review claim.** Screenshot attempts did not yield usable visual inspection; two timed out. [govinfo.gov+5](https://www.govinfo.gov/content/pkg/CFR-2025-title12-vol8/pdf/CFR-2025-title12-vol8-part1013.pdf?utm_source=chatgpt.com) |\n| **R015-P1-S009** | **Federal Reserve/CFPB — Consumer Leasing (Regulation M), 2026 threshold final rule**. [https://www.govinfo.gov/content/pkg/FR-2025-12-15/html/2025-22813.htm](https://www.govinfo.gov/content/pkg/FR-2025-12-15/html/2025-22813.htm?utm_source=chatgpt.com) [https://www.federalregister.gov/documents/2025/12/15/2025-22813/consumer-leasing-regulation-m](https://www.federalregister.gov/documents/2025/12/15/2025-22813/consumer-leasing-regulation-m?utm_source=chatgpt.com) [https://www.consumerfinance.gov/rules-policy/final-rules/consumer-leasing-regulation-m-adjustments/](https://www.consumerfinance.gov/rules-policy/final-rules/consumer-leasing-regulation-m-adjustments/?utm_source=chatgpt.com) | Fresh GovInfo HTML: **90 FR 57878–57882**; summary/dates, jurisdiction/adjustment background, complete relevant part 1013 amendatory comments 2(e)-1–11, selected Board counterpart including threshold. CFPB and FederalRegister.gov landing material used as same-rule metadata/discovery. No PDF index. | Published December 15, 2025; effective January 1, 2026; 2026 threshold $73,400. Historical threshold list and no-increase mechanics read. Same final rule, not three independent authorities. [govinfo.gov+4](https://www.govinfo.gov/content/pkg/FR-2025-12-15/html/2025-22813.htm?utm_source=chatgpt.com) |\n| **R015-P1-S010** | **CFPB — 2011 republication and correction**. [https://www.govinfo.gov/content/pkg/FR-2011-12-19/pdf/2011-31723.pdf](https://www.govinfo.gov/content/pkg/FR-2011-12-19/pdf/2011-31723.pdf?utm_source=chatgpt.com) [https://www.govinfo.gov/content/pkg/FR-2011-12-29/pdf/2011-33354.pdf](https://www.govinfo.gov/content/pkg/FR-2011-12-29/pdf/2011-33354.pdf?utm_source=chatgpt.com) [https://www.federalregister.gov/documents/2011/12/19/2011-31723/consumer-leasing-regulation-m](https://www.federalregister.gov/documents/2011/12/19/2011-31723/consumer-leasing-regulation-m?utm_source=chatgpt.com) | Fresh selected parsed PDF text: **76 FR 78500–78520**, especially p.78500/index0 summary/dates and p.78503/index3 operative §§1013.1–.2 material; selected parsed lines 611–777. Correction: **76 FR 81789–81790**, PDF indices0–1, Regulation M portion only. FR webpage metadata only. | Historical interim rule and correction, effective December 30, 2011. No whole-PDF or pixel claim. Parsed preamble/operative threshold wording discrepancy preserved in the log below. [govinfo.gov+2](https://www.govinfo.gov/content/pkg/FR-2011-12-19/pdf/2011-31723.pdf?utm_source=chatgpt.com) |\n| **R015-P1-S011** | **CFPB — final adoption of interim rules**. [https://www.govinfo.gov/content/pkg/FR-2016-04-28/html/2016-09431.htm](https://www.govinfo.gov/content/pkg/FR-2016-04-28/html/2016-09431.htm?utm_source=chatgpt.com) | Fresh selected summary/dates and **Authority and Issuance, item H**, adopting Regulation M. **81 FR 25323–25326**, selected p.25323 and item H on p.25325. HTML; no PDF index. | Effective April 28, 2016, subject to intervening amendments. Not a read of all regulations in the omnibus rule. [govinfo.gov+1](https://www.govinfo.gov/content/pkg/FR-2016-04-28/html/2016-09431.htm?utm_source=chatgpt.com) |\n| **R015-P1-S012** | **CFPB/Board regulation indexes**. [https://www.consumerfinance.gov/rules-policy/regulations/1013/](https://www.consumerfinance.gov/rules-policy/regulations/1013/?utm_source=chatgpt.com) [https://www.federalreserve.gov/frrs/regulations/regulation-m-consumer-leasing.htm](https://www.federalreserve.gov/frrs/regulations/regulation-m-consumer-leasing.htm?utm_source=chatgpt.com) | Fresh metadata/discovery only: CFPB amendment label and official-edition disclaimer; Board part index. HTML. | Publication labels, not complete effectiveness or amendment-history proof. [Consumer Financial Protection Bureau+1](https://www.consumerfinance.gov/rules-policy/regulations/1013/?utm_source=chatgpt.com) |\n| **R015-P1-S013** | **eCFR — attempted current part 1013**. [https://www.ecfr.gov/current/title-12/chapter-X/part-1013](https://www.ecfr.gov/current/title-12/chapter-X/part-1013?utm_source=chatgpt.com) Observed access-gate destination: [https://unblock.federalregister.gov/](https://unblock.federalregister.gov/) | **Failure:** no operative body obtained from this route; access gate encountered. | No bypass attempted. Agency text, official annual CFR, and final rules supplied the reads described above. |\n| **R015-P1-S014** | **GovInfo — attempted 2026 annual CFR**. [https://www.govinfo.gov/content/pkg/CFR-2026-title12-vol3/pdf/CFR-2026-title12-vol3-part213.pdf](https://www.govinfo.gov/content/pkg/CFR-2026-title12-vol3/pdf/CFR-2026-title12-vol3-part213.pdf) [https://www.govinfo.gov/content/pkg/CFR-2026-title12-vol8/pdf/CFR-2026-title12-vol8-part1013.pdf](https://www.govinfo.gov/content/pkg/CFR-2026-title12-vol8/pdf/CFR-2026-title12-vol8-part1013.pdf) | **Failure:** neither requested PDF body obtained. Printed pages/PDF indices unavailable. | Exact 2026 annual-edition verification remains unresolved; failed retrieval does not establish nonexistence. |\n| **R015-P1-S015** | **OLRC — attempted preliminary routes**. [https://uscode.house.gov/view.xhtml?edition=prelim&num=0&req=granuleid%3AUSC-prelim-title15-section1667](https://uscode.house.gov/view.xhtml?edition=prelim&num=0&req=granuleid%3AUSC-prelim-title15-section1667) [https://uscode.house.gov/view.xhtml?edition=prelim&num=0&req=granuleid%3AUSC-prelim-title15-section1667a](https://uscode.house.gov/view.xhtml?edition=prelim&num=0&req=granuleid:USC-prelim-title15-section1667a&utm_source=chatgpt.com) [https://uscode.house.gov/view.xhtml?edition=prelim&num=0&req=granuleid%3AUSC-prelim-title15-section1667b](https://uscode.house.gov/view.xhtml?edition=prelim&num=0&req=granuleid:USC-prelim-title15-section1667b&utm_source=chatgpt.com) [https://uscode.house.gov/view.xhtml?edition=prelim&num=0&req=granuleid%3AUSC-prelim-title12-section5519](https://uscode.house.gov/view.xhtml?edition=prelim&num=0&req=granuleid:USC-prelim-title12-section5519&utm_source=chatgpt.com) [https://uscode.house.gov/view.xhtml?edition=prelim&path=%2Fprelim%40title15%2Fchapter41%2Fsubchapter1%2FpartE](https://uscode.house.gov/view.xhtml?edition=prelim&path=%2Fprelim@title15%2Fchapter41%2Fsubchapter1%2FpartE&utm_source=chatgpt.com) | **Failures:** 404/page-not-found or maintenance responses; no relied-on operative bodies from these URLs. | Recovered through the exact versioned OLRC URLs in S001/S003; their displayed compilation limit remains controlling for the read record. |\n| **R015-P1-S016** | **OLRC — attempted unversioned routes**. [https://uscode.house.gov/us/usc/t15/s1667/](https://uscode.house.gov/us/usc/t15/s1667/) [https://uscode.house.gov/us/usc/t15/s1667a/](https://uscode.house.gov/us/usc/t15/s1667a/) [https://uscode.house.gov/us/usc/t15/s1667b/](https://uscode.house.gov/us/usc/t15/s1667b/?utm_source=chatgpt.com) [https://uscode.house.gov/us/usc/t12/s5519/](https://uscode.house.gov/us/usc/t12/s5519/) | **Failures:** access/403/not-accessible responses. | Not substantive evidence; versioned recoveries are separately recorded. |\n| **R015-P1-S017** | **Other failed body routes**. [https://www.consumerfinance.gov/rules-policy/regulations/1013/appendix-a/](https://www.consumerfinance.gov/rules-policy/regulations/1013/appendix-a/) [https://www.govinfo.gov/content/pkg/FR-2011-12-19/html/2011-31723.htm](https://www.govinfo.gov/content/pkg/FR-2011-12-19/html/2011-31723.htm) [https://www.govinfo.gov/content/pkg/FR-2011-12-29/html/2011-33354.htm](https://www.govinfo.gov/content/pkg/FR-2011-12-29/html/2011-33354.htm) | **Failures:** requested bodies unavailable. Correct Appendix A route was /a/; historical rules recovered as PDFs. | Recovery did not include inspection of model-form images. |\n| **R015-P1-S018** | **GovInfo — 2024 annual CFR discovery**. [https://www.govinfo.gov/content/pkg/CFR-2024-title12-vol8/pdf/CFR-2024-title12-vol8-part1013.pdf](https://www.govinfo.gov/content/pkg/CFR-2024-title12-vol8/pdf/CFR-2024-title12-vol8-part1013.pdf?utm_source=chatgpt.com) | **Discovery only:** opening parsed page, printed p.504/index0. | Historical; not used as the substantive foundation or a currentness substitute. |\n\n## 3. Atomic claim table\n\n**Status key:** **S** = statutory text; **R** = regulation; **I** = official interpretation; **INF** = expressly identified inference; **U** = unresolved application or source limit.\n\nSource references such as **S005** mean the complete identifier **R015-P1-S005** above. The same convention applies to shortened claim and example references later.\n\n### A. Product, coverage, exclusions, and actors\n\n| Claim ID | Precise claim and area | Source pinpoint | Trigger, conditions, exceptions, and status/limits |\n| --- | --- | --- | --- |\n| **R015-P1-C001** | A consumer lease requires a bailment/lease of personal property to a natural person, primarily for personal/family/household purposes, for an initial term exceeding four months, within the applicable contractual-obligation threshold. | S001 §1667(1); S005 §1013.2(e)(1), comments 2(e)-1–3, 9–11 | **S/R/I.** All gates matter. A purchase option does not alone remove coverage. A product label or supplied disclosure does not establish the underlying facts. |\n| **R015-P1-C002** | Primary purpose is determined before or at consummation. | S005 comment 2(e)-1 | **I.** Later changed use does not itself create an original Regulation M disclosure duty. Business/commercial/agricultural purpose is excluded; no actual purpose finding is made. |\n| **R015-P1-C003** | Personal-property classification follows the law of the property’s location when offered or made available for lease; motor-vehicle classification for the vehicle disclosures also depends on applicable law. | S005 §2(l), comment 2(l)-1; comment 4(f)-1 | **R/I.** A vehicle-like object is not classified solely by its marketing name. Actual location and classification law remain unknown. |\n| **R015-P1-C004** | An initial four-month, three-month, month-to-month, or week-to-week term is ordinarily outside the consumer-lease definition, even if use continues beyond four months. A penalty for not continuing beyond four months changes that analysis. | S005 comment 2(e)-2 | **I.** Official examples: a three-month lease continued monthly for a year remains excluded; a nominal monthly lease with deposit forfeiture for stopping before a year is treated as exceeding four months, subject to other gates. |\n| **R015-P1-C005** | An organization lease is excluded even if an employee uses the property personally, a natural person guarantees it, or it is later assigned to a natural person. | S001 §1667(1)–(2); S005 §2(e)(2), (j), comments 2(e)-6, 2(j)-1 | **S/R/I.** Organization includes corporation, trust, estate, partnership, cooperative, association, government entity/instrumentality; commentary includes joint ventures and persons operating under a business name. Actual legal capacity remains held. |\n| **R015-P1-C006** | A purported lease meeting the credit-sale definition is excluded from Regulation M. | S002 §1602(h); S005 §2(e)(2), comment 2(e)-4; S006 §§226.2(a)(16), 1026.2(a)(16) | **S/R/I.** Relevant lease/bailment test combines substantially equivalent-or-greater compensation for property/services with automatic or nominal/no-extra-consideration ownership. Regulation Z’s definition excepts a lease terminable without penalty at any time by the consumer. Actual classification requires the agreement. |\n| **R015-P1-C007** | A financed purchase may be a loan rather than a seller credit sale; neither label makes it a consumer lease. | S006 comment 2(a)(16)-2; S005 §2(e) | **I/INF.** A seller-arranged loan payable to the financial institution is the comment’s loan example. Regulation Z coverage, APR, usury, and loan remedies are not resolved here. |\n| **R015-P1-C008** | Total contractual obligation is not necessarily total disclosed payments. | S005 comment 2(e)-3; S009 revised comment 2(e)-3 | **I.** Includes nonrefundable amounts contractually owed to the lessor; excludes residual/purchase-option amounts and amounts collected for payment to third parties, such as taxes, licenses, and registration. No actual total has been computed. |\n| **R015-P1-C009** | The 2026 threshold is **$73,400**, for January 1–December 31, 2026. | S009, comments 2(e)-11(xvii) for parts 213/1013 | **Final rule/I.** “Not exceeding” includes equality. Published transition entries include $25,000 before July 21, 2011; $50,000 July 21–December 31, 2011; $51,800 for 2012; $71,900 for 2025. These are sourced historical amounts, not present eligibility findings. |\n| **R015-P1-C010** | The threshold in effect at consummation controls; a lease exempt because it exceeded that threshold remains exempt despite a later annual increase. | S005 comments 2(e)-9–11; S009; S002 inflation note | **I/S.** Annual changes take effect January 1 using the specified CPI-W mechanism and rounding. A non-increase does not reduce the operative threshold; the commentary supplies later catch-up mechanics. Extension, replacement, and a genuinely new transaction must be distinguished. |\n| **R015-P1-C011** | A lessee is a natural person entering or offered a consumer lease; a guarantor is not a lessee. A lessor regularly leases, offers, or arranges covered leases. | S005 §2(g)–(h), comment 2(g)-1 | **R/I.** Regularity means more than five leases/offers/arrangements in the preceding calendar year or more than five in the current calendar year. Actual roles and frequency are unestablished. |\n| **R015-P1-C012** | Arranger status requires the defined relationship and either compensation/actual consideration or knowledge of terms plus participation in contract preparation. | S005 comments 2(h)-1–2 | **I.** Mere unpaid referral without document preparation is the contrary example. Intangible increased-business benefit is not the required “other consideration.” |\n| **R015-P1-C013** | An assignee may be a lessor when substantially involved in the lease transaction. | S005 comment 2(h)-3 | **I.** Assignment alone is not a universal lessor-status conclusion. The opinion cited within the comment was not independently read or used as a separate holding. |\n| **R015-P1-C014** | CFPB part 1013 excludes persons within the statutory auto-dealer exclusion, subject to its functional exceptions. | S003 §5519(a)–(b), (f); S005 §1013.1(b) | **S/R.** Predicate: qualifying dealer predominantly engaged in sale-and-servicing or leasing-and-servicing. Exceptions apply to the extent of mortgage/real-property self-financing services; direct retail credit/leases not routinely assigned to unaffiliated finance/leasing sources; or unrelated consumer financial products/services. Dealer definition requires the statutory licensing and title/ownership/custody conditions. No actual license inquiry occurred. |\n| **R015-P1-C015** | Part 213 remains material for dealers excluded from CFPB authority; it is not universally obsolete. | S003 §5519(c); S007; S009 jurisdiction discussion and dual amendments | **S/R/final rule.** The 2026 rule amended both parts. Section 5519’s vehicle definition includes road vehicles, recreational boats/marine equipment, motorcycles, specified recreational vehicles/campers, and other vehicles titled and sold through dealers. That jurisdictional definition does not resolve every asset’s Regulation M classification. |\n| **R015-P1-C016** | Additional exclusions have specific conditions. | S005 §2(e)(3), comments 2(e)-7–8 | **R/I.** Personal property incidental to a real-property lease is excluded only with no end-value liability except abnormal wear and no purchase option. Listed service-incidental examples are programming-reception equipment, home-security equipment, and propane tanks. Safe-deposit-box leases are excluded. No general exclusion for every bundled service is inferred. |\n| **R015-P1-C017** | The official interpretation distinguishes U.S.-branch/resident transactions from specified foreign-branch transactions. | S005 comment 1-1; §2(p) | **I.** U.S. branches offering leases to residents of a defined “State,” including foreign nationals, are within the stated scope subject to the dealer exception. Specified foreign-branch transactions abroad are excluded. International, tribal, choice-of-law, and actual residence questions remain held. |\n| **R015-P1-C018** | The statute requires advance disclosure of termination conditions and charge amounts or methods. | S001 §1667a opening and (11) | **S.** Applies to the lessor and covered lease; identifies both lessee- and lessor-initiated termination conditions. It is a disclosure obligation, not an independent grant of every described contractual power. |\n\nThe coverage conditions, term examples, and actor distinctions above come from the operative definitions and official commentary. [Consumer Financial Protection Bureau+4](https://www.consumerfinance.gov/rules-policy/regulations/1013/2/?utm_source=chatgpt.com)\n\n### B. Early termination, default, and substantive charge limits\n\n| Claim ID | Precise claim and area | Source pinpoint | Trigger, conditions, exceptions, and status/limits |\n| --- | --- | --- | --- |\n| **R015-P1-C019** | Penalties or other charges for delinquency, default, or early termination may be specified only in a reasonable amount. | S001 §1667b(b); S005 comment 4(q)-5 | **S/I.** Complete enumerated factors: **anticipated or actual harm caused by the event; difficulties of proving loss; inconvenience or nonfeasibility of otherwise obtaining an adequate remedy.** Neither actual loss alone nor disclosure alone is the entire statutory test. |\n| **R015-P1-C020** | Early-termination disclosure must state the conditions under which either party may terminate before the scheduled end, and the charge amount or method. | S005 §4(g)(1), comments 1–2 | **R/I.** Charges must be reasonable. A full, accurate description not intended to mislead can comply even if complex. That disclosure standard does not adjudicate substantive reasonableness. |\n| **R015-P1-C021** | Delinquency, default, and late-payment penalties or charges require disclosure of their amount or determining method. | S005 §4(q) | **R.** Reasonableness is expressly required. Ordinary contractual payment obligations and event-related charges must first be correctly classified. |\n| **R015-P1-C022** | Default that is a condition for early termination engages both §4(g)(1) and §4(q). | S005 comments 4(g)(1)-4, 4(q)-2 | **I.** The disclosures may be combined but need not be. A default label does not remove the early-termination disclosure requirement. |\n| **R015-P1-C023** | Motor-vehicle leases require the prescribed substantially similar early-termination warning. | S005 §4(g)(2) | **R.** It warns of a potentially substantial charge, timing dependence, and the likelihood of a greater charge earlier in the term. It is an advance disclosure, not an event-specific default notice or cure deadline. |\n| **R015-P1-C024** | Automatic collection costs or attorney fees upon default must be disclosed under §4(q); specified contingent costs need not be. | S005 comment 4(q)-1 | **I.** The exception concerns costs contingent on actual collection-related expenditures or employment of an attorney to collect. It is a disclosure exception, not permission to recover any fee. |\n| **R015-P1-C025** | Normal additional rent in a simple-interest accounting lease is treated differently from an increased default rate. | S005 comment 4(q)-3 | **I.** Normal rent accruing because payment is late, or after termination because property is not returned, is not characterized there as a late/default charge. A rate above normal requires disclosure of the additional amount or method. Lawfulness remains separate. |\n| **R015-P1-C026** | Certain extension charges belong in the delinquency-charge disclosure. | S005 comment 4(q)-4 | **I.** Applies to extension charges exceeding rent in a simple-interest accounting lease or added separately. Section 5’s new-disclosure exceptions do not independently authorize the fee. |\n| **R015-P1-C027** | These disclosure provisions do not establish a universal right to cancel, accelerate, repossess, obtain cure, or collect a particular payoff. | S001 §§1667a(11), 1667b(b), 1667e; S005 §§4(g), 4(q), 9 | **INF from the provisions’ function.** Contractual entitlement, conditions precedent, other federal law, and state enforceability require separate authority and facts. No actual rights determination is made. |\n\nThe statute’s three reasonableness considerations are cumulative considerations within one standard; they are not replaced by a calculator output or a charge’s appearance in a signed document. [uscode.house.gov+2](https://uscode.house.gov/us/usc/119-118/t15/s1667b/?utm_source=chatgpt.com)\n\n### C. Named methods, contract variables, and valuation\n\n| Claim ID | Precise claim and area | Source pinpoint | Trigger, conditions, exceptions, and status/limits |\n| --- | --- | --- | --- |\n| **R015-P1-C028** | A generally accepted method may be named for the **unamortized-cost/adjusted-lease-balance portion** of the early-termination calculation. | S005 comment 4(g)(1)-2 | **I.** “Constant yield” is the official example. The lessor must still specify how that figure and every other term or figure are used in the total charge. Naming it does not supply the entire contract formula. |\n| **R015-P1-C029** | Using that named-method option creates a duty to provide its written explanation on the consumer’s request. | S005 comment 4(g)(1)-2 | **I.** Lessor is the responding actor; consumer is the requester/recipient. The explanation may instead be supplied routinely in the lease or a separate document. The comment does not require the request itself to be written. |\n| **R015-P1-C030** | A request at consummation requires the written explanation then; a later request requires it within a reasonable time after the request. | S005 comment 4(g)(1)-3 | **I.** An address or telephone number may be supplied for requests, but does not postpone the at-consummation duty. No fixed number of days is supplied. |\n| **R015-P1-C031** | A named method alone does not establish its inputs, timing conventions, credits, valuation choice, ancillary charges, or resulting lawful amount. | S005 comments 4(g)(1)-2–3 | **INF/U.** No contract method or equation was adopted here. “Actuarial” was not found in the retrieved §4 text/comments; no universal equivalence between actuarial and constant-yield terminology is asserted. |\n| **R015-P1-C032** | When liability is based on unamortized cost minus realized value, the method for that difference must be disclosed. Scheduled-payment disclosures are not a universal early-termination payoff formula. | S005 comment 4(g)(1)-5; §4(f) | **I/INF.** The subtraction is conditional on the actual lease method. Other charge components and legal limits remain separate. No numerical illustration is supplied. |\n| **R015-P1-C033** | A requested gross-capitalized-cost itemization must be supplied before consummation. | S005 §4(f)(1), comment 4(f)(1)-2 | **R/I.** Itemize by type and amount; provide with the other required disclosures, outside the segregated disclosures. Routine provision removes the need to state the option to request it. This is a different request from a named-method explanation. |\n| **R015-P1-C034** | Ordinary anticipated end-of-term charges have a distinct disclosure location. | S005 §4(d), comments 4(d)-1–3 | **R/I.** Examples include disposition/pickup charges. Early-termination, default, deferment, and extension charges are not collapsed into this category. Residual-value liability is separately addressed in §4(k). |\n| **R015-P1-C035** | A purchase option is separately disclosed and is not interchangeable with return/termination liability. | S005 §4(i), comments 4(i)-1–4 | **R/I.** Disclose its existence or absence; end-of-term price; during-term price or method and when exercisable. Whether an option exists depends on applicable law. A mere opportunity to bid is not necessarily an option; an unspecified negotiated price or bare fair-market-value reference does not satisfy the stated certainty rule. |\n| **R015-P1-C036** | Adjusted capitalized cost, residual value, and adjusted lease balance are different concepts. | S005 §2(f), (n); §4(f); comment 4(g)(1)-2 | **R/I.** Adjusted capitalized cost is gross capitalized cost less capitalized-cost reduction, used for base payments. Residual is the end value estimated/assigned at consummation for that calculation. Adjusted lease balance is the unamortized-cost component addressed by the termination method. |\n| **R015-P1-C037** | Realized value has defined alternatives, constrained by contract and applicable law. | S005 §2(m), comments 2(m)-1–2 | **R/I.** Sold before liability determination: sale price or fair market value. Unsold then: highest offer or fair market value. Retail or wholesale valuation may be relevant. The realized amount itself is not a required advance disclosure; the applicable method/liability disclosures remain required. |\n| **R015-P1-C038** | Disposition costs are not deducted in determining realized value; tax amounts may be. | S005 comments 2(m)-3–4 | **I.** Withdrawn offers and offers from an unwilling/unable performer may be disregarded when finding the highest offer. This does not independently establish a right to a separate disposition fee. |\n| **R015-P1-C039** | Open-end and closed-end describe ordinary end-of-term residual-value exposure. | S005 §2(d), (i), comment 2(d)-1 | **R/I.** Open-end liability is based on residual minus realized value at the end. Closed-end means other than open-end. “Walk-away” does not establish zero mileage, wear, default, disposition, or early-termination charges. |\n| **R015-P1-C040** | Residual-versus-realized liability, **if any**, must be disclosed for early termination or ordinary end. | S005 §4(k); S001 §1667a(4)–(5) | **R/S.** The phrase “if any” matters. This provision does not create the liability or establish that a shortfall is immediately collectible. |\n\nThe distinction between an unamortized balance and the total termination charge is express in the official interpretation. The valuation alternatives likewise remain subject to the agreement and applicable law. [Consumer Financial Protection Bureau+2](https://www.consumerfinance.gov/rules-policy/regulations/1013/4/?utm_source=chatgpt.com)\n\n### D. Appraisal and ordinary-expiration residual liability\n\n| Claim ID | Precise claim and area | Source pinpoint | Trigger, conditions, exceptions, and status/limits |\n| --- | --- | --- | --- |\n| **R015-P1-C041** | A residual-value provision at termination carries the statutory independent-appraisal right; Regulation M requires its disclosure when liability at early termination or end depends on realized value. | S001 §1667b(c); S005 §4(l) | **S/R.** Lessee pays; professional independent third party must be agreed to by both parties; appraisal is final and binding. The regulation describes the value realizable at sale. |\n| **R015-P1-C042** | The lessor’s own appraisal does not substitute for disclosure of the lessee’s independent-appraisal right. | S005 comments 4(l)-2–3 | **I.** Disclose whether wholesale or retail appraisal value is used. Binding valuation does not, by itself, resolve every separate contractual or legal challenge to the total charge. |\n| **R015-P1-C043** | Regulation M gives no fixed period for exercising the appraisal right. | S005 comment 4(l)-4 | **I.** A lessor may require appraisal within a reasonable time after termination. No actual period’s reasonableness or deadline is decided. |\n| **R015-P1-C044** | Wear/use liability alone does not trigger the independent-appraisal disclosure; a closed-end lease may nevertheless need it for an early realized-value calculation. | S005 comment 4(l)-1; Appendix A comment 3 | **I.** The official wear example compares damaged condition with reasonably maintained condition. The Appendix A comment identifies the closed-end model’s early-termination appraisal context; the image itself was not inspected. |\n| **R015-P1-C045** | When expiration liability is based on estimated residual value, the estimate must reasonably approximate anticipated actual fair market value at expiration. | S001 §1667b(a), first sentence | **S.** This is an ordinary-expiration residual-liability rule, not an invented valuation of any vehicle. |\n| **R015-P1-C046** | The statute creates rebuttable presumptions of unreasonableness and lack of good faith for the specified excess residual estimate. | S001 §1667b(a); S005 §4(m)(2) | **S/R.** Statutory benchmark: more than three times the average payment allocable to a month. Regulatory disclosure: more than three base monthly payments, or the stated average for nonmonthly payments. It is not a universal early-termination cap. |\n| **R015-P1-C047** | Collection of the specified excess residual liability is subject to the statutory successful-action requirement and attorney-fee provision. | S001 §1667b(a); S005 §4(m)(2), comment 4(m)-2 | **S/R/I.** The interpretation says the lessor pays the lessee’s reasonable attorney fees in all actions under this residual-liability provision, successful or not. No actual standing, filing, award, or remedy conclusion follows. |\n| **R015-P1-C048** | The residual presumptions do not apply to the extent the excess is caused by physical damage beyond reasonable wear/use or excessive use. | S001 §1667b(a); S005 §4(m)(2) | **S/R.** Contractual wear/use standards must not be unreasonable. The causation and “to the extent” qualifications prevent treating every shortfall as either exempt or presumptively unlawful. |\n| **R015-P1-C049** | A willing lessee and lessor may make a mutually agreeable final adjustment of excess residual liability **after termination**. | S001 §1667b(a), final sentence; S005 §4(m)(3) | **S/R.** This is not approval of an advance waiver, compelled settlement, or actual agreement. |\n| **R015-P1-C050** | The §4(m)(2) limitation disclosure does not apply to early termination or the alternative minimum term; its presumption does not govern every end charge. | S005 comments 4(m)(2)-1–3 | **I.** Listed other charges include disposition, excess mileage, late/default charges, and certain simple-interest unamortized balances caused by untimely payments. Their exclusion from this presumption does not make them automatically lawful. |\n| **R015-P1-C051** | Open-end leases require the specified rent-and-other-charges disclosure; nonvehicle open-end leases retain a statutory end-liability cross-reference. | S005 §4(m)(1), comment 4(m)(1)-1; §4(t); S001 §1667a(10) | **R/I/S.** Required acquisition/disposition/assignment charges may be included; nonrequired third-party services such as voluntary insurance are excluded from this particular financing-cost disclosure. Other asset-financing analysis remains held. |\n\nThe ordinary-expiration presumption, independent-appraisal right, and early-termination charge limitation are distinct protections with different triggers. [uscode.house.gov+3](https://uscode.house.gov/us/usc/119-118/t15/s1667b/?utm_source=chatgpt.com)\n\n### E. Delivery, consent, estimates, and changed transactions\n\n| Claim ID | Precise claim and area | Source pinpoint | Trigger, conditions, exceptions, and status/limits |\n| --- | --- | --- | --- |\n| **R015-P1-C052** | Required disclosures must be clear/conspicuous, in a retainable written form, together in the prescribed dated presentation, before consummation. | S001 §1667a opening/closing; S005 §3(a), (a)(1), (a)(3) and comments | **S/R/I.** They may be in the contract or a separate statement; permitted split presentation still requires contemporaneous delivery. Contract formation/consummation depends on state or other applicable law. Reasonably understandable and legible are the stated standards. |\n| **R015-P1-C053** | The mandatory segregated group is exact, not every lease term. | S005 §3(a)(2) | **R.** §§4(b)–(f), (g)(2), (h)(3), (i)(1), (j), and (m)(1); only directly related/permitted information; headings/content/format substantially similar to the applicable model. Detailed §4(g)(1) and §4(q) terms are not in that enumerated group. |\n| **R015-P1-C054** | One lessor may disclose on behalf of multiple lessors, and delivery may be to any primarily liable lessee. | S005 §3(c); comments 3(a)(1)-4–5, 3(c)-1 | **R/I.** Identify all lessors/lessees and provide all required transaction disclosures. Regulation M does not itself require the lessee’s signature on the disclosure statement. |\n| **R015-P1-C055** | Non-English disclosures are permitted if English is available on the lessee’s request; additional information must not obscure required disclosures. | S005 §3(a)(4), (b) | **R.** No fixed post-request day count is supplied here. Nonsegregated state disclosures may be included consistently with these standards. |\n| **R015-P1-C056** | Proper use of an applicable model form can satisfy corresponding disclosure requirements. | S001 §1667f(b)(4); S005 Appendix A comments 1–4 | **S/I.** This is bounded disclosure protection, not approval of every contract term or amount. No unseen form layout is certified. |\n| **R015-P1-C057** | Estimates require reasonable efforts, best reasonably available information, appropriate identification, and no evasion. | S005 §3(d), comments 1–5 | **R/I.** Open-end residual estimates must be reasonable; accepted trade publications or better experience-based information may be used. Retail/wholesale choice must fit the lessor’s general practice and be identified. No actual valuation source was queried. |\n| **R015-P1-C058** | A subsequent event making an originally accurate disclosure inaccurate does not itself violate Regulation M. | S005 §3(e), comments 1–3 | **R/I.** New disclosures may still be required by §5. Commentary about necessary/proper protective action after nonperformance is not an independent repossession or security-right grant. |\n| **R015-P1-C059** | Electronic lease disclosures are subject to E-SIGN consumer-consent and other applicable requirements. | S005 §3(a); S004 §7001(c)(1) | **R/S.** Affirmative unwithdrawn consent; advance disclosure of paper option, withdrawal procedures/consequences/fees, consent scope, contact-update procedure, and paper-copy procedure/fee; hardware/software information; electronic consent/confirmation reasonably demonstrating access. Material system changes risking access require revised information, renewed access confirmation, and the specified fee-free withdrawal protection. |\n| **R015-P1-C060** | E-SIGN does not erase substantive content/timing duties or every paper/retention protection. | S004 §7001(b), (c)(2)–(6), (d)–(f); S005 §3(a) | **S/R.** Preserve applicable verification, accessibility, retention/reproduction, and proximity requirements. Withdrawal operates prospectively within a reasonable processing period. The narrow rule against invalidating a contract solely for failure of §7001(c)(1)(C)(ii) does not establish disclosure compliance. Legacy-consent and oral-communication qualifications are not assumed satisfied. Electronic advertising has its own §3(a) exception; it is not blanket consent for lease disclosures. |\n| **R015-P1-C061** | A covered lease satisfied and replaced by a new lease with the same consumer is a renegotiation requiring new disclosures unless §5(d) applies. | S005 §5(a); comment 5-1; comment 5(a)-1 | **R/I.** State/other law determines satisfaction and replacement. Section 5 applies only to existing covered leases; it does not turn an originally short rental into coverage merely through continuation. A genuinely new transaction still requires its own classification. Disclosures must reflect the renegotiated legal obligation. |\n| **R015-P1-C062** | An agreed continuation beyond the original end is an extension unless it is a renegotiation; extensions exceeding six months ordinarily require new disclosures. | S005 §5(b), comments 5(b)-1–3 | **R/I.** Fixed term over six months: when agreed. Monthly continuation: start of seventh month and each seventh month thereafter. Varying terms: start of the term crossing six months beyond the original end. Disclose the extension period, upfront costs, and monthly nature where applicable. |\n| **R015-P1-C063** | Section 5(d) contains six specified new-disclosure exceptions. | S005 §5(d)(1)–(6) | **R.** Rent reduction; deferment of one or more payments with or without fee; extension no longer than six months; substantially equivalent-or-greater-value replacement property with no other term changed; multiple-item changes where average periodic payment changes no more than 25%; agreement resulting from a court proceeding. These are disclosure exceptions, not fee/enforceability approvals. |\n| **R015-P1-C064** | Assumption by another person does not require new Regulation M disclosures, with or without an assumption fee. | S005 §5(c) | **R.** Does not determine release of the original lessee, assignment validity, or fee lawfulness. |\n| **R015-P1-C065** | Disclosures follow the full legal obligation, not an optional minimum period alone. | S005 comment 3(a)-1 | **I.** Official example: a three-year lease permitting penalty-free termination after one year is disclosed over three years; the minimum matters to the early-termination provisions. No universal minimum term or cancellation entitlement is inferred. |\n\nThese timing rules are different legal triggers. They cannot be merged into a single “lease notice deadline.” [Consumer Financial Protection Bureau+5](https://www.consumerfinance.gov/rules-policy/regulations/1013/3/?utm_source=chatgpt.com)\n\n### F. Advertising, state law, and unresolved application\n\n| Claim ID | Precise claim and area | Source pinpoint | Trigger, conditions, exceptions, and status/limits |\n| --- | --- | --- | --- |\n| **R015-P1-C066** | Specified advertised payment terms trigger additional clear/conspicuous disclosures. | S001 §1667c(a); S005 §7(a), (b), (d), comments 7(a), 7(d) | **S/R/I.** Trigger: any payment amount, capitalized-cost reduction/other initial payment, or no-payment statement. Required terms: lease status; total due by consummation/delivery as applicable; number/amount/timing of payments; security-deposit status; conditional end residual-liability warning. Terms must actually be usually/customarily available. Advertising scope is not limited simply to contractual lessors. |\n| **R015-P1-C067** | Catalog/electronic and merchandise-tag alternatives have specific conditions. | S005 §7(c), (e), comments 7(c)-1–2, 7(e)-1 | **R/I.** A triggering term must clearly direct to the required table/schedule; a direct electronic link is an example. Separate flyers in one envelope are not automatically one multipage ad. A merchandise tag may refer to a prominently posted in-business sign/display containing the required table; the alternative includes multiple-item leases. |\n| **R015-P1-C068** | TV/radio alternative disclosure requires core on-air terms plus the specified telephone or print route. | S005 §7(f)(1)–(2), comments 7(f)(1)-1–4 | **R/I.** On-air §§7(d)(2)(i)–(iii); toll-free number with explanation of its purpose, or identified general-circulation publication/date and required information. The regulation specifies publication beginning at least three days before and ending at least ten days after broadcast. Number available at least ten days beginning broadcast; information oral or written on request. Nonlocal toll-free/reverse-charge and early recorded-menu access conditions are explained in comments. |\n| **R015-P1-C069** | The statutory radio alternative must be kept distinct from the regulation’s TV/radio wording. | S001 §1667c(c)(1)–(3) | **S.** Statute expressly includes **total scheduled payments** in addition to number/amount/dates; states the publication window and name/dates; requires the number by broadcast, maintained at least ten days, information to callers, and writing if requested. No advertised campaign or reconciliation of every historical regulatory modification is adjudicated here. |\n| **R015-P1-C070** | A lease percentage rate is not a validated APR. | S005 §§4(s), 7(b)(2), comments 4(s)-1, 7(b)(2)-1 | **R/I.** Required notice says the percentage may not measure overall financing cost; “annual percentage rate,” “annual lease rate,” or equivalent is prohibited. Rate is outside segregated disclosures; advertising notice must be proximate, not an asterisk elsewhere, with the prescribed prominence limit. |\n| **R015-P1-C071** | State consumer-lease law is preserved except to the extent of inconsistency; greater protection is not treated as inconsistent. | S001 §1667e(a)–(b); S005 §9(a)–(b) | **S/R.** A state official may seek a preemption determination. State-class exemption requires substantially similar/greater protection and adequate enforcement; no exemption extends to the listed federal civil-liability provisions. No actual state exemption or state restriction was surveyed. |\n| **R015-P1-C072** | Avoided costs, mitigation, reletting, and disposition evidence may matter to a reasonableness inquiry, but are not additional enumerated federal factors in §1667b(b). | S001 §1667b(b); S005 comments 2(m)-2–4, 4(q)-5 | **INF.** They may inform anticipated/actual harm or other applicable law. This report does not establish a universal federal duty to relet, a particular disposition procedure, or an automatic avoided-cost deduction. |\n| **R015-P1-C073** | Neither a lawful amount nor a complete currentness/remedy conclusion can be derived from this record. | S001–S017; application holds below | **U.** Contract, charge classification, variables, consent, termination event, value evidence, jurisdiction, state law, and complete intervening history remain unresolved. No actual liability, standing, collection, filing, or remedial outcome is decided. |\n\nThe advertising exceptions are presentation-specific; they do not substitute for the disclosures required before entering a lease. State law remains a separate enforceability layer. [Consumer Financial Protection Bureau+4](https://www.consumerfinance.gov/rules-policy/regulations/1013/7/?utm_source=chatgpt.com)\n\n## 4. Provision-specific comparison\n\n| Event or issue | Applicable federal disclosure track | Separate substantive constraint or right | What the provision does not establish | Claims |\n| --- | --- | --- | --- | --- |\n| Lessee seeks voluntary early termination | §4(g)(1): conditions, amount/method; §4(g)(2) motor-vehicle warning; §§4(k), (l) if applicable | §1667b(b) reasonableness; conditional appraisal right | A universal right to return property and end all payments, a universal payoff, or a universal notice period | C019–C023, C027–C032, C040–C043 |\n| Lessor terminates for default | Both §§4(g)(1) and 4(q); may combine | Same reasonableness standard; other applicable law remains relevant | Acceleration, repossession, cure, sale, or deficiency authority | C021–C027 |\n| Late payment without termination | §4(q), with simple-interest distinctions | Reasonableness for qualifying penalties/charges | That every normal rent accrual is a penalty, or every disclosed late fee is enforceable | C019, C021, C024–C026 |\n| Named “constant yield” method | Full explanation of how balance and other terms produce total charge; written method explanation on request | Reasonableness still separate | The contract’s rate, time basis, credits, realized value, ancillary fees, or total lawful amount | C028–C032 |\n| Ordinary end of closed-end lease | Applicable ordinary end charges, purchase option, other required terms | Contract/state limits; appraisal only if its actual trigger exists | Zero liability for every charge, or ordinary-end residual risk identical to open-end risk | C034–C044 |\n| Ordinary end of open-end lease | §§4(k), (l), (m) | Reasonable original residual estimate; specified presumptions, excess-collection conditions, fee provision, and damage/use qualifications | That every shortfall is immediately collectible or that every end charge receives the three-payment presumption | C039–C051 |\n| Early termination of a closed-end lease using realized value | §§4(g), (k), (l), depending on actual method | Conditional independent appraisal; §1667b(b) | That “closed-end” eliminates early-termination valuation exposure | C028–C044 |\n| Purchase instead of return | §4(i) purchase option and price/method/timing | Existence and enforceability under contract/applicable law | That the purchase price equals the return charge or lease balance | C035–C036 |\n| Extension or replacement | §5 classification and exceptions; §4(q) extension-fee disclosure where applicable | Existing substantive limits continue to matter | That no new disclosure means a new fee is lawful; that every continuation is a new lease | C026, C061–C065 |\n| Electronic delivery | §3(a) plus E-SIGN | Consent/access/retention and preserved content/timing rules | That electronic signature alone proves compliant disclosure delivery | C052, C059–C060 |\n\n### Requests, recipients, and timing must remain separate\n\n| Trigger/request | Responsible actor → recipient | Required response or availability | Timing stated in the read authority | Boundary |\n| --- | --- | --- | --- | --- |\n| Named method used; consumer requests explanation at consummation | Lessor → requesting consumer | Written explanation of named method | **At that time** | Optional contact address/number does not defer it. |\n| Same request after consummation | Lessor → requesting consumer | Written explanation | **Within a reasonable time after request** | No fixed day count; request itself need not be written under the comment. |\n| Lessee requests gross-capitalized-cost itemization | Lessor → lessee | Separate written itemization by type/amount | **Before consummation**, with the other disclosures | Outside segregated disclosures; routine delivery is an alternative. |\n| Realized-value liability triggers appraisal right | Lessee obtains; independent professional agreed by both parties | Professional appraisal at lessee’s expense | No specified regulatory period; lessor may require **reasonable time after termination** | Lessor’s appraisal is not the substitute; wear-only liability differs. |\n| Non-English disclosure; lessee requests English | Lessor → lessee | English disclosures available | No numerical period specified in §3(a)(4) | Not a substitute for the general advance-disclosure duty. |\n| Advertising telephone alternative; consumer requests writing | Lessor → caller/requesting consumer | Required advertising information orally, or in writing on request | Telephone available for the specified broadcast-related period | The named-method “reasonable time” comment is not imported into this separate rule. |\n| Consumer withdraws electronic consent | Provider processes consumer withdrawal | Prospective withdrawal under E-SIGN; paper procedures governed by required disclosures | Reasonable period after receipt | Does not retroactively invalidate previously provided records under the statute. |\n| State seeks preemption determination or class exemption | Authorized state official/state → Bureau | Formal determination/application process | No actual request or filing made here | This is not a lessee-specific permission or remedy process undertaken by this report. |\n\nSources: S004; S005 §3(a)(4), §4(f)(1), comments 4(g)(1)-2–3 and 4(l)-4, §§7(f), 9. [Consumer Financial Protection Bureau+5](https://www.consumerfinance.gov/rules-policy/regulations/1013/4/?utm_source=chatgpt.com)\n\n## 5. Blank generic document-audit worksheet\n\n**All entry fields below are intentionally blank.** The worksheet identifies evidence categories; it does not authorize retrieving private contracts, records, identifiers, or valuations.\n\n| Audit field | Blank entry | What must be distinguished or established | Claim links |\n| --- | --- | --- | --- |\n| Legal product classification |  | Lease/bailment, credit sale, financed purchase/direct loan, rental, or unresolved | C001, C006–C007 |\n| Primary purpose at consummation |  | Personal/family/household versus agricultural/business/commercial; label versus evidence | C002 |\n| Property classification and relevant jurisdiction |  | Personal property under applicable location law; separate motor-vehicle classification | C003 |\n| Initial contractual term |  | Initial term versus actual use; continuation penalties or deposit forfeiture | C004 |\n| Lessee legal capacity |  | Natural person, organization, guarantor, later assignee | C005, C011 |\n| Lessor/arranger/assignee roles |  | Contract role, regularity, compensation, document participation, substantial involvement | C011–C013 |\n| Dealer jurisdictional conditions |  | Statutory dealer definition, predominant business, functional exceptions, assignment practice | C014–C015 |\n| Incidental-lease exclusions |  | Both real-property-incidental conditions; only applicable service examples | C016 |\n| Geographic scope |  | Relevant branch, residence, defined State; unresolved cross-border law | C017 |\n| Contract formation/consummation |  | Applicable legal formation event and governing threshold year | C009–C010, C052 |\n| Total contractual obligation |  | Nonrefundable lessor payments; excluded residual, option price, third-party amounts | C008 |\n| Applicable threshold and transition |  | Exact consummation-year amount; prior exemption; replacement versus continuation | C009–C010, C061 |\n| Contract/disclosure version |  | Agreed terms, supplements, amendments, and relationship between documents | C018, C052 |\n| Termination event and initiating actor |  | Voluntary return, default action, agreed termination, ordinary expiration, purchase | C020–C027, C034–C035 |\n| Contractual termination conditions |  | Permitted events, minimum term, required notice, conditions precedent | C020, C027, C065 |\n| Disclosure timing and retainability |  | Before consummation; together; dated; clear/conspicuous; retainable | C052 |\n| Segregated versus other disclosure location |  | Exact §3(a)(2) list and permitted related information | C053 |\n| Multiple-party delivery |  | All parties identified; disclosure provider; primarily liable recipient | C054 |\n| Language and requested English version |  | Original language and request/availability evidence | C055 |\n| Electronic consent and access |  | Affirmative consent, access demonstration, scope, hardware/software, withdrawal, paper copy | C059–C060 |\n| Termination method and incorporation |  | Full agreed method; named standard; version or definition incorporated | C028–C032 |\n| Method variables and timing conventions |  | Contract-specific balance inputs, accrual basis, payment timing, credits, offsets | C031–C032 |\n| Capitalized costs and itemization |  | Gross cost, reductions, adjusted cost; requested itemization | C033, C036 |\n| Residual value |  | Original assigned estimate, valuation basis, role in scheduled payments versus termination | C036, C045, C057 |\n| Realized value |  | Sold/unsold at liability determination; sale price/highest offer/fair market value | C037 |\n| Value adjustments |  | Disposition-cost exclusion from realized value; taxes; disregarded offers | C038 |\n| Separate charge categories |  | Rent, late/default penalty, termination charge, disposition, mileage, wear, collection fee | C019–C026, C034, C050 |\n| Reasonableness: anticipated/actual harm |  | Evidentiary basis and causal connection; no automatic actual-loss-only test | C019 |\n| Reasonableness: proof difficulties |  | Stated difficulty of proving loss | C019 |\n| Reasonableness: alternative remedy |  | Inconvenience/nonfeasibility of otherwise obtaining adequate remedy | C019 |\n| Avoided costs/mitigation/reletting/disposition |  | Factual relevance versus an actually sourced contractual/state-law duty | C072 |\n| Named-method request and response |  | At-consummation versus later request; written response; elapsed-time facts | C029–C030 |\n| Appraisal trigger and process |  | Realized-value liability, agreed independent professional, expense, retail/wholesale basis | C041–C044 |\n| Ordinary-end residual exposure |  | Open/closed-end; original estimate; actual realized value; applicable presumption | C039, C045–C050 |\n| Damage/use causation |  | Reasonable standards and extent to which damage/use caused residual excess | C048 |\n| Post-termination adjustment |  | Timing, willingness, and mutual agreement | C049 |\n| Extension/renegotiation/assumption |  | Replacement under applicable law; duration; exceptions; new-disclosure basis | C061–C065 |\n| Advertising cross-reference, if material |  | Actual trigger, medium, alternate route, required information and availability | C066–C070 |\n| State/other-law restrictions |  | Applicable law, conflict analysis, contract enforceability, unresolved exemption | C071 |\n| Remedies and source-history gaps |  | No actual standing, deadline, filing, damages, or collection conclusion; version gaps | C073 |\n\n## 6. Clearly hypothetical qualitative failure branches\n\nThese are **stipulated analytical situations**, not invented people, contracts, vehicles, or identifiers. “Evidence needed” describes a category for an audit; no record request or search is authorized or performed.\n\n| Example | Stipulated facts | Statute/regulation-specific result versus unknown | Evidence needed | Adverse misclassification |\n| --- | --- | --- | --- | --- |\n| **R015-P1-E01 — Financed purchase** | A document called a lease requires substantially equivalent compensation and nominal-price ownership; penalty-free termination is unavailable. | Credit-sale exclusion must be tested under C006. If it is a loan instead, C007 applies. Actual Regulation Z obligations remain unknown. | Operative ownership, consideration, termination, and creditor terms | Applying Regulation M to a credit transaction and overlooking credit-law questions |\n| **R015-P1-E02 — Short rental** | Initial term is month-to-month; there is no penalty requiring continuation beyond four months. | Later long use alone does not satisfy the initial-term condition. | Initial term and all continuation/forfeiture provisions | Treating elapsed possession as the contractual initial term |\n| **R015-P1-E03 — Business purpose** | Primary use at consummation is stipulated to be business use. | Consumer-purpose gate fails; later personal use does not retroactively establish initial coverage. | Contemporaneous purpose and actual agreement category | Assuming a natural-person signature proves consumer purpose |\n| **R015-P1-E04 — Threshold uncertain** | Contractual-obligation components or consummation year are unknown. | Coverage remains unresolved; the 2026 amount cannot be applied automatically. | Year, nonrefundable obligations, excluded components, prior exemption/replacement facts | Using vehicle price or current threshold as a universal shortcut |\n| **R015-P1-E05 — Covered voluntary early termination** | Coverage is stipulated; the lessee wishes to return before scheduled expiration. | §§4(g), potentially (k)/(l), and §1667b(b) matter. A right to terminate and the charge remain contract/state questions. | Termination conditions, complete method, charge justification | Treating return as automatic cancellation of all liability |\n| **R015-P1-E06 — Lessor default action** | Coverage and default-triggered early termination are stipulated. | Both §4(g)(1) and §4(q) disclosures apply. Repossession, cure, acceleration, and collection authority remain unknown. | Default/termination provisions and separately applicable law | Treating disclosure as a grant of repossessory power |\n| **R015-P1-E07 — Named method, missing variables** | Disclosure says “constant yield” but omits how the resulting balance enters total charges. | Naming the method does not satisfy the required full total-charge description by itself. | Incorporated method and every operative variable/charge relationship | Accepting a recognized name as a universal payoff formula |\n| **R015-P1-E08 — Written explanation request** | A consumer requests the named-method explanation at consummation; alternatively, after consummation. | First branch: writing then. Second: writing within reasonable time. No fixed day count follows. | Request timing and actual written response | Deferring an at-consummation request or inventing a numerical deadline |\n| **R015-P1-E09 — Disclosed charge, reasonableness unknown** | A charge is clearly disclosed but its harm/loss/remedy basis is unknown. | Disclosure compliance does not resolve §1667b(b). | Evidence addressing all three statutory considerations | Treating disclosure or signature as substantive approval |\n| **R015-P1-E10 — Ordinary end versus early termination** | A residual shortfall arises, but event classification is disputed. | Ordinary-expiration presumptions cannot simply be applied to early termination; neither branch proves immediate collectibility. | Original end, event/termination terms, liability basis, wear/use causation | Applying a three-payment cap to every early termination |\n| **R015-P1-E11 — Residual realization unknown** | A charge uses realized value, but sale status and valuation basis are unknown. | Permitted alternatives depend on whether disposition preceded liability determination and on contract/law. | Value method, sale/offer status, tax/cost treatment | Treating assigned residual, sale proceeds, and net proceeds as interchangeable |\n| **R015-P1-E12 — Extension versus renegotiation** | A covered lease continues after its scheduled end; whether it was satisfied/replaced is unknown. | Classify under §5 before applying the six-month timing rules or exceptions. | Legal replacement/continuation terms, durations, changes, exception conditions | Calling every continuation a new lease, or every replacement an exempt extension |\n| **R015-P1-E13 — Electronic delivery unknown** | Disclosures were emailed or presented online; consent/access evidence is absent. | E-SIGN compliance remains unresolved. An electronic signature alone does not establish it. | Consent disclosures, affirmative consent/access confirmation, retainable record | Importing the electronic-advertising exception into contract delivery |\n| **R015-P1-E14 — State restriction** | Federal disclosures appear complete, but applicable state law has not been read. | Enforceability remains unresolved; greater state protection is not automatically displaced. | Applicable jurisdiction and published state authority in a separately bounded review | Treating federal disclosure compliance as preemption of all restrictions |\n| **R015-P1-E15 — Organization lessee** | An organization leases property for an employee’s personal use; an individual guarantees it. | Organization exclusion remains; the guarantee does not make the guarantor a Regulation M lessee. | Actual contracting capacity and role | Treating personal use by an employee as a natural-person lease |\n| **R015-P1-E16 — Closed-end appraisal distinction** | A closed-end lease uses realized value for early termination; alternative branch involves only excess wear. | First branch may trigger §4(l); wear-only liability does not by itself trigger it. | Actual liability formula and appraisal language | Denying all closed-end appraisal rights or granting them for every wear charge |\n| **R015-P1-E17 — Collection-fee distinction** | One fee is automatic on default; another is contingent on collection expenditure. | First must be disclosed under §4(q); second fits the specified disclosure exception if its conditions hold. Neither is thereby approved for collection. | Fee trigger and contractual conditions | Treating a disclosure exception as substantive fee authorization |\n| **R015-P1-E18 — Normal versus increased rent** | A simple-interest lease continues normal rent after late payment; alternative branch increases the accrual rate. | Normal accrual has the comment’s distinct treatment; above-normal additional charge requires amount/method disclosure. | Normal rate, changed rate, event and accounting terms | Calling every accrual a default penalty, or hiding an increased rate as ordinary rent |\n| **R015-P1-E19 — Dealer jurisdiction unresolved** | An actor is described commercially as a dealer; statutory dealer and assignment-practice conditions are unknown. | Part 1013 versus retained part 213 jurisdiction remains unresolved. | Legal role and statutory business-line predicates, without any identifier/license query here | Assuming all dealer leases are outside federal Regulation M or that part 213 is obsolete |\n\n## 7. Granular coverage table\n\n**Status:** **Answered** means the generic federal rule was established within the stated source bounds. **Partial** means the rule is established but a specified authority/version issue remains. **Unresolved** means an application fact or legal classification is deliberately not decided. **Excluded** means outside this component or unnecessary.\n\nFor fact-dependent rows, the permissible next step in this assignment is to **retain the blank audit field**. The table does not authorize actual-record collection. Any later contract illustration must use a public generic contract and retain unresolved binding/applicability status.\n\n| Assigned subquestion or major branch | Status and claim/example links | Exact missing authority or facts | Next bounded permissible investigation |\n| --- | --- | --- | --- |\n| Q1 — Consumer-lease definition | Answered as law; application unresolved. C001 | Actual product, purpose, term, threshold, actors | Retain gates in worksheet |\n| Q1 — Lease versus credit sale | Answered/Unresolved. C006; E01 | Complete ownership, consideration, and termination terms | Public generic form only if needed to illustrate classification |\n| Q1 — Financed purchase/direct loan | Answered as distinction; excluded credit analysis. C007; E01 | Actual loan/credit-sale classification and credit law | Preserve vehicle-credit parent hold |\n| Q1 — Consumer purpose | Answered/Unresolved. C002; E03 | Purpose before/at consummation | Retain blank; no purpose decision |\n| Q1 — Personal property and motor vehicle | Answered/Unresolved. C003 | Situs and applicable classification law | Preserve state/property hold |\n| Q1 — Initial term and short rental | Answered/Unresolved. C004; E02 | Initial obligation and continuation penalty | Retain exact term/penalty fields |\n| Q1 — Organization and guarantor exclusions | Answered/Unresolved. C005, C011; E15 | Contracting capacity and actual roles | Retain role fields |\n| Q1 — Total contractual obligation | Answered/Unresolved. C008; E04 | Included/excluded contractual amounts | No amount computation |\n| Q1 — Actual annual threshold | Answered for 2026. C009 | Actual consummation year | Use the year-specific published rule if a later bounded assignment requires another year |\n| Q1 — Transition and continuing exemption | Answered/Unresolved. C010 | Original coverage and whether later transaction is genuinely new | Keep continuation/replacement separate |\n| Q1 — Lessor frequency and lessee status | Answered/Unresolved. C011 | Frequency and actual contractual role | No actor/roster inquiry |\n| Q1 — Arranger and assignee | Answered/Unresolved. C012–C013 | Compensation, preparation, substantial involvement | Retain role predicates; no opinion expansion necessary now |\n| Q1 — Auto-dealer exclusion/exceptions | Answered/Unresolved. C014; E19 | Statutory dealer and functional conditions | No license/entity query |\n| Q1 — Continuing Board part 213 | Answered; annual-edition gap retained. C015 | 2026 annual part 213 body unavailable | Reattempt only a lawful public official source if necessary |\n| Q1 — Incidental real-property/service exclusions | Answered as conditions. C016 | Whether any actual arrangement meets them | Preserve other-asset/real-property hold |\n| Q1 — Geographic scope | Answered at comment level; broader law excluded. C017 | Branch, residence, choice-of-law facts | Preserve country/tribal/international hold |\n| Q2 — Complete statutory reasonableness standard | Answered. C019; E09 | Actual charge and evidentiary justification | No actual reasonableness determination |\n| Q2 — Both parties’ early-termination conditions | Answered. C018, C020; E05 | Agreed termination rights and conditions | Retain contract field |\n| Q2 — Default/delinquency disclosure | Answered. C021 | Actual charge classification | Retain charge categories |\n| Q2 — Default triggering early termination | Answered. C022; E06 | Actual trigger and disclosure package | Keep both provisions in audit |\n| Q2 — Vehicle early-termination warning | Answered. C023 | Actual supplied warning/presentation | No unseen-form compliance finding |\n| Q2 — Collection-cost exception | Answered. C024; E17 | Automatic versus contingent trigger | Keep disclosure and fee entitlement separate |\n| Q2 — Simple-interest and extension charges | Answered. C025–C026; E18 | Accounting terms and charge/rate | No calculation |\n| Q2 — Cancellation, cure, acceleration, repossession | Federal disclosure boundary answered; rights unresolved/excluded. C027 | Contract and other federal/state authority | Preserve parent enforcement holds |\n| Q3 — Named-method allowance | Answered. C028; E07 | Actual method incorporation and total-charge relationship | Generic public method/contract only if needed |\n| Q3 — Written explanation and timing | Answered. C029–C030; E08 | Request/response timing and content | No actual deadline calculation |\n| Q3 — Actuarial/constant-yield equation | Unresolved and unnecessary to instantiate. C031 | Actual incorporated equation and assumptions | Do not invent a calculator or equivalence |\n| Q3 — Balance versus payment calculation | Answered distinction. C032, C036 | Actual balance variables/credits | Preserve formula/application hold |\n| Q3 — Capitalized-cost itemization request | Answered. C033 | Request and delivery facts | Keep separate from method request |\n| Q3 — Ordinary charges and purchase option | Answered. C034–C035 | Actual option, price/method, ordinary charges | Preserve contract/state hold |\n| Q3 — Realized value alternatives/adjustments | Answered. C037–C038; E11 | Sale/offer/FMV facts; agreed basis | No vehicle-value or disposition-record inquiry |\n| Q3 — Open/closed-end and conditional liability | Answered. C039–C040; E10 | Actual end-liability allocation | No immediate-debt conclusion |\n| Q3 — Appraisal right and exceptions | Answered. C041–C044; E16 | Actual trigger, valuation basis, agreed professional, timing | Preserve blank appraisal fields |\n| Q3 — Ordinary-expiration residual protections | Answered. C045–C050; E10 | Estimate, realization, wear/use causation, event type | No court filing/remedy advice |\n| Q3 — Other-asset residual cross-reference | Boundary answered; broader component excluded. C051 | Other asset’s complete legal framework | Preserve other-asset financing |\n| Q4 — Timing/form/clear conspicuousness | Answered. C052 | Actual formation/delivery/presentation | No unseen-document compliance finding |\n| Q4 — Exact segregation and multiple parties | Answered. C053–C054 | Actual package and recipient status | Retain presentation/role fields |\n| Q4 — Language/model/additional information | Answered. C055–C056 | Actual request and form use | Pixel review only if a later authorized generic form review needs it |\n| Q4 — Estimates and later events | Answered. C057–C058 | Reasonable-effort evidence and subsequent event | No valuation inquiry |\n| Q4 — Electronic delivery/consent | Answered framework; application unresolved. C059–C060; E13 | Consent/access/withdrawal/retention facts | Retain electronic-delivery fields |\n| Q4 — Renegotiation and initial coverage | Answered. C061, C065; E12 | Satisfaction/replacement under applicable law | Do not equate continuation with a new contract |\n| Q4 — Extension timing and all six exceptions | Answered. C062–C063; E12 | Durations and exception predicates | No actual calendar computation |\n| Q4 — Assumption | Answered disclosure rule only. C064 | Release/assignment/fee enforceability | Preserve contract/state holds |\n| Q4 — Necessary advertising cross-reference | Answered rule/text comparison; campaign compliance excluded. C066–C070 | Actual medium, wording, availability; complete historical reconciliation if consequential | No ad creation/publication; further generic rule history only if necessary |\n| Q4 — Final-rule dates/history | Answered within selected reads. S009–S011; C073 | Complete intervening amendment history | Official section-history/annual-CFR follow-up only |\n| Q4 — Current official codification | Partial. S008, S013–S016 | Unretrieved 2026 annual editions/eCFR; post-compilation session-law audit | Preserve explicit currentness gap |\n| Q4 — Guidance withdrawal | Excluded as unnecessary | No circular/bulletin/advisory relied upon | Check official register only if such guidance is later relied upon |\n| Q4 — Published opinions | Excluded as unnecessary | No consequential opinion relied upon | No case-record or docket search |\n| Q5 — Provision comparison and blank audit | Answered as generic tools | All actual application fields remain blank | Retain as generic worksheet |\n| Q5 — Required failure branches | Answered: E01–E19 | No actual facts assumed | Use only as qualitative analytical examples |\n| Q5 — Avoided costs/mitigation/reletting | Answered as inference boundary. C072 | Any actual contract/state duty and supporting facts | Preserve state/contract gap |\n| Q5 — State enforceability and remedies | Federal boundary answered; substantive application excluded. C071–C073; E14 | Applicable state law, actual claim/remedy prerequisites | Separately bounded published-law component only |\n| Parent — Other A015 dimensions and acceptance | Excluded/preserved | Complete parent work remains outstanding | No parent/component/operations/publication acceptance |\n\n## 8. Read and failure log\n\n| Log item | What was actually read or attempted | Consequence for this report |\n| --- | --- | --- |\n| Fresh statutory reading | Complete necessary CLA operative clauses, credit-sale definition, annual-adjustment note, dealer exclusion, and E-SIGN clauses were read from official OLRC bodies. | No reliance on search snippets as statutory body text. |\n| Regulation and interpretation reading | Necessary operative sections and official comments were read in CFPB’s integrated and selected standalone presentations; selected Board counterparts were also read. | Statute, regulation, and interpretation remain separately labeled. Duplicate presentations are not independent review. |\n| Preliminary/unversioned OLRC failures | Specified preliminary and unversioned URLs returned failures/maintenance/access errors. | Versioned official bodies were used; their displayed October 7 compilation limit remains explicit. |\n| eCFR access failure | Current part 1013 route encountered an access gate. | No workaround; no claim to have read the current eCFR body through that route. |\n| Annual-edition failure | Requested 2026 part 1013 and part 213 PDFs were unavailable. | The 2025 annual text is historical; the 2026 threshold comes from the actual effective final rule. Full 2026 annual-codification confirmation remains open. |\n| PDF read bounds | Selected parsed text from 2025 CFR and 2011 rules, at pages/indices listed in S008/S010. | Parsed text is not pixel inspection. No complete-PDF or unseen-form claim. |\n| Screenshot attempts | Selected 2025 CFR screenshot requests produced unusable placeholders; requests for indices 21 and 23 timed out. | No screenshot was counted as a successful visual read. |\n| Appendix route failure | /appendix-a/ failed; /a/ supplied commentary. | Only Appendix A comments were relied upon, not unseen model-form images. |\n| Historical HTML failures | 2011 GovInfo HTML routes failed; PDFs were obtained. | Historical dates and operative definitions were read from selected PDF text. |\n| Historical parsed-text discrepancy | The retrieved 2011 preamble rendering used “exceeds” in a coverage description, while operative §1013.2(e)(1) uses **not exceeding**. | The operative clause, current agency body, and 2026 final-rule commentary control this report’s coverage statement. No pixel/errata investigation of the preamble discrepancy is claimed. |\n| Terminology check | “Actuarial” was not found in the retrieved §4 text/comments; the named-method comment expressly uses constant yield as an example. | No inferred universal actuarial equation or synonym rule. |\n| Search/discovery material | Indexes, search results, and nonprimary summaries helped locate primary bodies but were not used as operative law. | No FAQ, vendor calculator, private contract, or headnote foundation. |\n| Contracts and calculations | No contract was needed or read; no worked charge/deadline illustration was undertaken. | No unsupported assumption set, payoff validation, APR validation, or individualized outcome. |\n| Guidance and opinions | No circular/bulletin/advisory or separately read published opinion relied upon. | No withdrawal-register or later-case-history verification claimed; no docket/status inquiry. |\n\n## 9. Question → claim/source crosswalk\n\n| User question | Principal claims | Source families | Visible deliverable |\n| --- | --- | --- | --- |\n| **1. Definitions, scope, actors, term, purpose, threshold, exclusions** | C001–C018 | S001–S003, S005–S007, S009 | Coverage claim table; worksheet coverage fields; E01–E04, E15, E19 |\n| **2. Complete charge limitation; early/default disclosures; rights boundaries** | C019–C027 | S001, S005, S007–S008 | Charge table; event comparison; E05–E06, E09, E17–E18 |\n| **3. Named methods, explanation requests, values, appraisal, ordinary end** | C028–C051 | S001, S005, S007–S008 | Method/valuation and residual tables; request table; E07–E11, E16 |\n| **4. Timing, form, electronic delivery, changed transactions, ads, currentness** | C052–C071, C073 | S001, S004–S017 | Delivery/change table; currentness/source/read logs; E12–E14 |\n| **5. Comparison, blank audit, qualitative failure branches, gaps** | C001–C073 | All relied-on source families | Sections 4–8, including nineteen branches |\n| **Owner limits, no actual determinations, no parent closure** | C073; parent holds below | Research execution record and bounded source ledger | Self-check and explicit holds |\n\n## 10. Self-check — not independent review\n\nThis is a self-check of this investigation, **not independent review or acceptance**.\n\n| Check | Result |\n| --- | --- |\n| Necessary charge statute read completely | §1667b(a)–(c) read; all §1667b(b) factors included |\n| Necessary scope and exclusion conditions preserved | Product, purpose, personal property, initial term, threshold, organization, actor, dealer, incidental-lease, and geographic distinctions retained |\n| Actual applicable annual threshold sourced | 2026 final rule read; $73,400 and effective period stated; historical and consummation predicates retained |\n| Disclosure separated from substantive validity | Explicit throughout claims and comparisons |\n| Named method separated from total formula | Constant yield limited to the named balance-method allowance; contract variables unresolved |\n| Requests and timing separated | At-consummation explanation, later reasonable-time explanation, itemization, appraisal, English, electronic withdrawal, and advertising requests distinguished |\n| Ordinary expiration separated from early termination | Three-payment presumption not treated as a universal early-termination cap |\n| Appraisal boundaries preserved | Realized-value trigger, independence/agreement/expense, retail-wholesale basis, reasonable-time qualification, and wear-only exclusion included |\n| All six §5(d) exceptions included | Included in C063 |\n| Electronic delivery not assumed compliant | Consent, access, retention, content/timing, and narrow statutory exceptions preserved |\n| Currentness limitations visible | 2026 annual/eCFR failures and statutory compilation lag explicitly retained |\n| Source-read integrity | Primary bodies read; PDF text not called pixels; unseen forms not certified |\n| Actual persons/records/identifiers | No actual or invented identifier queries or entries |\n| External actions | No contacts, filings, purchases, account changes, site publication, or record requests |\n| Foundation | No prior saved report or unreviewed earlier component used |\n| Outcome limits | No actual amount, deadline, eligibility, liability, standing, remedy, or filing decision |\n\n## 11. Specific parent holds\n\nThe following remain unresolved and preserved for the parent assignment:\n\n- **Actual application facts:** purpose, product, property, initial term, threshold year and components, actor roles, contract, disclosures, consent, termination/default event, agreed method and variables, residual and realized value, charges, notice/request history, jurisdiction, and all application facts.\n- **Vehicle-credit and property rights:** origination, APR, usury, title, security interests, priority, acceleration, repossession, disposition/sale, surplus, deficiency, and any actual enforcement rights.\n- **Related products and later dealings:** insurance, GAP, warranties, hardship, settlement, credit reporting, collections, limitations, remedies, litigation, tax, and insolvency.\n- **Other assets and other law:** all unaddressed asset financing; state, local, tribal, international, and country law; actual choice-of-law and enforceability.\n- **Source and contract gaps:** complete intervening amendment/session-law/case-history audit; unavailable 2026 annual codifications; any actual contract’s binding terms; any public generic contract’s binding or factual applicability.\n- **Acceptance:** no component, parent, operations, or publication acceptance is stated.\n\nEND R015 PASS-01\n\n","tables":[{"headers":["Material","Version or effective predicate actually established","Treatment in this report","Remaining limit"],"index":0,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Material","Version or effective predicate actually established","Treatment in this report","Remaining limit"],["Consumer Leasing Act, 15 U.S.C. §§1667–1667f, selected sections","OLRC bodies displayed laws in effect through Public Law 119-120, October 7, 2026, including where the literal URL contains 119-118. The CLA’s original effective-date note specifies one year after March 23, 1976.","Statutory text, distinguished from regulations and interpretations.","The compilation banner does not establish a complete session-law review through October 27, 2026."],["Annual inflation authority","Pub. L. 111-203 §1100E(b), reproduced in the §1603 inflation note, directs annual adjustment on and after December 31, 2011.","Statutory authority for annual adjustments; not a substitute for the applicable year’s published amount.","No independent reconstruction of every historical inflation calculation."],["CFPB Regulation M republication","76 FR 78500, December 19, 2011; effective December 30, 2011. A December 29 correction supplied the 2012 threshold entry.","Historical transfer/republication and correction, read within the bounds recorded below.","The original republication is not treated as the complete current regulation."],["CFPB adoption of interim rules","81 FR 25323, April 28, 2016; effective April 28, 2016. The issuance provision adopted the Regulation M interim rule subject to intervening amendments.","Historical final-rule status.","Selected Regulation M adoption language read; not every regulation addressed by that omnibus rule."],["2025 annual CFR","Title 12, volume 8, part 1013, January 1, 2025 edition, printed pp. 505–531.","Official historical annual codification used to check selected operative clauses and commentary.","It is not the 2026 annual edition."],["2026 threshold final rule","90 FR 57878–57882, published December 15, 2025; effective January 1, 2026; threshold $73,400 for January 1–December 31, 2026.","Final rule and official-interpretation amendment, including both parts 213 and 1013.","Not a 2027 threshold determination."],["Agency regulation webpages","CFPB pages identify their versions as current; the part index identifies January 1, 2026 as the most recent amendment. Board materials retain part 213 for the relevant dealer jurisdiction.","Official publisher presentations of the working operative bodies.","An agency “current” label is not an official annual-CFR, List of CFR Sections Affected, session-law, or complete litigation-history audit. CFPB itself distinguishes its web presentation from the official legal edition."],["eCFR and 2026 annual CFR","eCFR access encountered an access gate; the attempted 2026 annual part 1013 and part 213 PDFs were not retrievable.","Explicit retrieval gaps.","No inference that the provisions do not exist, were repealed, or have no amendments."],["Proposed, future-effective, stayed, vacated, repealed, or withdrawn materials","No such material was used as an operative substitute.","Separate from the operative bodies and historical final rules above.","A complete intervening amendment, stay, vacatur, and later judicial-history audit remains unestablished."],["CFPB circulars, bulletins, advisories; published opinions","None relied upon.","No guidance-based or opinion-based holding asserted.","The Withdrawn Guidance register was not needed or checked for this report. No implication that withdrawal repeals a statute or regulation. A case citation appearing inside an official comment was not treated as a separately read opinion."]]},{"headers":["Source ID","Issuer, title, and complete literal HTTPS URLs","Exact clauses/comments and read bounds","Version/effective predicate; status and limits"],"index":1,"links":[{"href":"https://uscode.house.gov/us/usc/119-118/t15/s1667/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-118/t15/s1667/"},{"href":"https://uscode.house.gov/us/usc/119-118/t15/s1667a/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-118/t15/s1667a/"},{"href":"https://uscode.house.gov/us/usc/119-118/t15/s1667b/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-118/t15/s1667b/"},{"href":"https://uscode.house.gov/us/usc/119-118/t15/s1667c/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-118/t15/s1667c/"},{"href":"https://uscode.house.gov/us/usc/119-118/t15/s1667e/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-118/t15/s1667e/"},{"href":"https://uscode.house.gov/us/usc/119-118/t15/s1667f/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-118/t15/s1667f/"},{"href":"https://uscode.house.gov/us/usc/119-118/t15/s1667/?utm_source=chatgpt.com","text":"uscode.house.gov\n+5"},{"href":"https://uscode.house.gov/us/usc/119-118/t15/s1602/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-118/t15/s1602/"},{"href":"https://uscode.house.gov/us/usc/119-118/t15/s1603/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-118/t15/s1603/"},{"href":"https://uscode.house.gov/us/usc/119-118/t15/s1602/?utm_source=chatgpt.com","text":"uscode.house.gov\n+1"},{"href":"https://uscode.house.gov/us/usc/119-120/t12/s5519/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-120/t12/s5519/"},{"href":"https://uscode.house.gov/us/usc/119-120/t12/s5519/?utm_source=chatgpt.com","text":"uscode.house.gov"},{"href":"https://uscode.house.gov/us/usc/119-118/t15/s7001/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-118/t15/s7001/"},{"href":"https://uscode.house.gov/us/usc/119-118/t15/s7001/?utm_source=chatgpt.com","text":"uscode.house.gov\n+2"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1013/1/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1013/1/"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1013/interp-1/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1013/interp-1/"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1013/2/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1013/2/"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1013/3/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1013/3/"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1013/4/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1013/4/"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1013/interp-4/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1013/interp-4/"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1013/5/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1013/5/"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1013/interp-5/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1013/interp-5/"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1013/7/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1013/7/"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1013/9/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1013/9/"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1013/a/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1013/a/"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1013/2/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau\n+7"},{"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.federalreserve.gov/frrs/regulations/section-2262-definitions-and-rules-of-construction.htm?utm_source=chatgpt.com","text":"https://www.federalreserve.gov/frrs/regulations/section-2262-definitions-and-rules-of-construction.htm"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/2/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau\n+1"},{"href":"https://www.federalreserve.gov/frrs/regulations/section-2131-authority-scope-purpose-and-enforcement.htm?utm_source=chatgpt.com","text":"https://www.federalreserve.gov/frrs/regulations/section-2131-authority-scope-purpose-and-enforcement.htm"},{"href":"https://www.federalreserve.gov/frrs/regulations/section-2134-content-of-disclosures.htm?utm_source=chatgpt.com","text":"https://www.federalreserve.gov/frrs/regulations/section-2134-content-of-disclosures.htm"},{"href":"https://www.federalreserve.gov/frrs/regulations/official-staff-commentary-on-regulation-m.htm?utm_source=chatgpt.com","text":"https://www.federalreserve.gov/frrs/regulations/official-staff-commentary-on-regulation-m.htm"},{"href":"https://www.federalreserve.gov/frrs/regulations/section-2131-authority-scope-purpose-and-enforcement.htm?utm_source=chatgpt.com","text":"federalreserve.gov\n+5"},{"href":"https://www.govinfo.gov/content/pkg/CFR-2025-title12-vol8/pdf/CFR-2025-title12-vol8-part1013.pdf?utm_source=chatgpt.com","text":"https://www.govinfo.gov/content/pkg/CFR-2025-title12-vol8/pdf/CFR-2025-title12-vol8-part1013.pdf"},{"href":"https://www.govinfo.gov/content/pkg/CFR-2025-title12-vol8/pdf/CFR-2025-title12-vol8-part1013.pdf?utm_source=chatgpt.com","text":"govinfo.gov\n+5"},{"href":"https://www.govinfo.gov/content/pkg/FR-2025-12-15/html/2025-22813.htm?utm_source=chatgpt.com","text":"https://www.govinfo.gov/content/pkg/FR-2025-12-15/html/2025-22813.htm"},{"href":"https://www.federalregister.gov/documents/2025/12/15/2025-22813/consumer-leasing-regulation-m?utm_source=chatgpt.com","text":"https://www.federalregister.gov/documents/2025/12/15/2025-22813/consumer-leasing-regulation-m"},{"href":"https://www.consumerfinance.gov/rules-policy/final-rules/consumer-leasing-regulation-m-adjustments/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/final-rules/consumer-leasing-regulation-m-adjustments/"},{"href":"https://www.govinfo.gov/content/pkg/FR-2025-12-15/html/2025-22813.htm?utm_source=chatgpt.com","text":"govinfo.gov\n+4"},{"href":"https://www.govinfo.gov/content/pkg/FR-2011-12-19/pdf/2011-31723.pdf?utm_source=chatgpt.com","text":"https://www.govinfo.gov/content/pkg/FR-2011-12-19/pdf/2011-31723.pdf"},{"href":"https://www.govinfo.gov/content/pkg/FR-2011-12-29/pdf/2011-33354.pdf?utm_source=chatgpt.com","text":"https://www.govinfo.gov/content/pkg/FR-2011-12-29/pdf/2011-33354.pdf"},{"href":"https://www.federalregister.gov/documents/2011/12/19/2011-31723/consumer-leasing-regulation-m?utm_source=chatgpt.com","text":"https://www.federalregister.gov/documents/2011/12/19/2011-31723/consumer-leasing-regulation-m"},{"href":"https://www.govinfo.gov/content/pkg/FR-2011-12-19/pdf/2011-31723.pdf?utm_source=chatgpt.com","text":"govinfo.gov\n+2"},{"href":"https://www.govinfo.gov/content/pkg/FR-2016-04-28/html/2016-09431.htm?utm_source=chatgpt.com","text":"https://www.govinfo.gov/content/pkg/FR-2016-04-28/html/2016-09431.htm"},{"href":"https://www.govinfo.gov/content/pkg/FR-2016-04-28/html/2016-09431.htm?utm_source=chatgpt.com","text":"govinfo.gov\n+1"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1013/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1013/"},{"href":"https://www.federalreserve.gov/frrs/regulations/regulation-m-consumer-leasing.htm?utm_source=chatgpt.com","text":"https://www.federalreserve.gov/frrs/regulations/regulation-m-consumer-leasing.htm"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1013/?utm_source=chatgpt.com","text":"Consumer 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Selected effective-date/editorial notes also read. HTML; no PDF index.","Displayed compilation through P.L. 119-120, October 7, 2026. Statutory text and editorial notes distinguished. No §1667d remedies investigation or complete subsequent session-law audit. \nuscode.house.gov\n+5"],["R015-P1-S002","OLRC — TILA credit-sale definition and inflation authority.\nhttps://uscode.house.gov/us/usc/119-118/t15/s1602/\nhttps://uscode.house.gov/us/usc/119-118/t15/s1603/","Fresh §1602(h); §1603 “Adjustments for Inflation” note, P.L. 111-203 §1100E(b), and relevant 2010 effective-date note. Other visible §1603 exclusions were not used to complete vehicle-credit analysis. HTML.","Same displayed statutory-compilation limit. §1667’s older cross-reference to §1602(g) is explained by the editorial redesignation to (h). \nuscode.house.gov\n+1"],["R015-P1-S003","OLRC — 12 U.S.C. §5519, Exclusion for auto dealers.\nhttps://uscode.house.gov/us/usc/119-120/t12/s5519/","Fresh complete (a)–(f), including all three functional exceptions, preservation of other-agency authority, and statutory vehicle/dealer definitions; effective-date note. HTML.","Dodd-Frank §1029; displayed compilation through October 7, 2026. No actual dealer, license, business-line, or assignment-practice determination. \nuscode.house.gov"],["R015-P1-S004","OLRC — 15 U.S.C. §7001, E-SIGN general rule of validity.\nhttps://uscode.house.gov/us/usc/119-118/t15/s7001/","Fresh (a)–(f), including consumer consent, access demonstration, changed-system requirements, withdrawal, preservation of other law, retention, and proximity; selected effective-date notes. HTML.","General E-SIGN effective date October 1, 2000; retention provisions have separate transition dates in the notes. No actual consent or legacy-consent conclusion. \nuscode.house.gov\n+2"],["R015-P1-S005","CFPB — 12 CFR part 1013 and Supplement I, grouped agency presentation.\nhttps://www.consumerfinance.gov/rules-policy/regulations/1013/1/\nhttps://www.consumerfinance.gov/rules-policy/regulations/1013/interp-1/\nhttps://www.consumerfinance.gov/rules-policy/regulations/1013/2/\nhttps://www.consumerfinance.gov/rules-policy/regulations/1013/3/\nhttps://www.consumerfinance.gov/rules-policy/regulations/1013/4/\nhttps://www.consumerfinance.gov/rules-policy/regulations/1013/interp-4/\nhttps://www.consumerfinance.gov/rules-policy/regulations/1013/5/\nhttps://www.consumerfinance.gov/rules-policy/regulations/1013/interp-5/\nhttps://www.consumerfinance.gov/rules-policy/regulations/1013/7/\nhttps://www.consumerfinance.gov/rules-policy/regulations/1013/9/\nhttps://www.consumerfinance.gov/rules-policy/regulations/1013/a/","Fresh §§1, 2, 3, 5, 7, 9 operative bodies and necessary integrated comments; standalone comment 1-1 and comment 5-1; §4(a)–(m), (q)–(t) and necessary comments. Relevant §4 comments were also checked in the standalone interpretation presentation. Appendix A comments 1–4 only; model-form images were not inspected. Incidental insurance/security/warranty text appearing in retrievals was not developed into those parent components. HTML.","Pages say current; operative rules distinguished from official interpretations. Subject to S008/S009 checks and currentness limits. Multiple pages remain one regulation/commentary family. \nConsumer Financial Protection Bureau\n+7"],["R015-P1-S006","CFPB and Federal Reserve — Regulation Z credit-sale definition.\nhttps://www.consumerfinance.gov/rules-policy/regulations/1026/2/\nhttps://www.federalreserve.gov/frrs/regulations/section-2262-definitions-and-rules-of-construction.htm","Fresh §1026.2(a)(16) and relevant comments, especially comments 1–2; Board §226.2(a)(16). Selected provisions only, not whole Regulation Z. HTML.","Used to follow Regulation M’s credit-sale cross-reference and distinguish a direct loan. Actual Regulation Z coverage and credit-origination compliance remain held. \nConsumer Financial Protection Bureau\n+1"],["R015-P1-S007","Federal Reserve — continuing Regulation M, part 213.\nhttps://www.federalreserve.gov/frrs/regulations/section-2131-authority-scope-purpose-and-enforcement.htm\nhttps://www.federalreserve.gov/frrs/regulations/section-2134-content-of-disclosures.htm\nhttps://www.federalreserve.gov/frrs/regulations/official-staff-commentary-on-regulation-m.htm","Fresh §213.1; selected complete §213.4(g), (k)–(m), (q), related provisions; comments 4(g)(1)-1–5, 4(l), 4(m), 4(q)-1–5, 5-1, and current threshold commentary. HTML; long navigation portions not substantive reads.","Continuing dealer jurisdiction corroborated by S009. Website headers are not a full amendment history; this is not dismissed as merely an obsolete former number. \nfederalreserve.gov\n+5"],["R015-P1-S008","GPO/GovInfo — 2025 annual CFR, title 12, volume 8, part 1013.\nhttps://www.govinfo.gov/content/pkg/CFR-2025-title12-vol8/pdf/CFR-2025-title12-vol8-part1013.pdf","Fresh selected parsed text from printed 505–531, PDF indices 0–26. Selected reads: p.505/index0; pp.508–510/indices3–5; pp.521–522/indices16–17; pp.525–528/indices20–23; selected Appendix A commentary at p.531/index26. Material included §§4(g), (k)–(m), (q), realized-value comments, named-method comments, appraisal and excess-liability comments.","Edition January 1, 2025; historical annual codification. Not all 27 pages read, no full-form or pixel-review claim. Screenshot attempts did not yield usable visual inspection; two timed out. \ngovinfo.gov\n+5"],["R015-P1-S009","Federal Reserve/CFPB — Consumer Leasing (Regulation M), 2026 threshold final rule.\nhttps://www.govinfo.gov/content/pkg/FR-2025-12-15/html/2025-22813.htm\nhttps://www.federalregister.gov/documents/2025/12/15/2025-22813/consumer-leasing-regulation-m\nhttps://www.consumerfinance.gov/rules-policy/final-rules/consumer-leasing-regulation-m-adjustments/","Fresh GovInfo HTML: 90 FR 57878–57882; summary/dates, jurisdiction/adjustment background, complete relevant part 1013 amendatory comments 2(e)-1–11, selected Board counterpart including threshold. CFPB and FederalRegister.gov landing material used as same-rule metadata/discovery. No PDF index.","Published December 15, 2025; effective January 1, 2026; 2026 threshold $73,400. Historical threshold list and no-increase mechanics read. Same final rule, not three independent authorities. \ngovinfo.gov\n+4"],["R015-P1-S010","CFPB — 2011 republication and correction.\nhttps://www.govinfo.gov/content/pkg/FR-2011-12-19/pdf/2011-31723.pdf\nhttps://www.govinfo.gov/content/pkg/FR-2011-12-29/pdf/2011-33354.pdf\nhttps://www.federalregister.gov/documents/2011/12/19/2011-31723/consumer-leasing-regulation-m","Fresh selected parsed PDF text: 76 FR 78500–78520, especially p.78500/index0 summary/dates and p.78503/index3 operative §§1013.1–.2 material; selected parsed lines 611–777. Correction: 76 FR 81789–81790, PDF indices0–1, Regulation M portion only. FR webpage metadata only.","Historical interim rule and correction, effective December 30, 2011. No whole-PDF or pixel claim. Parsed preamble/operative threshold wording discrepancy preserved in the log below. \ngovinfo.gov\n+2"],["R015-P1-S011","CFPB — final adoption of interim rules.\nhttps://www.govinfo.gov/content/pkg/FR-2016-04-28/html/2016-09431.htm","Fresh selected summary/dates and Authority and Issuance, item H, adopting Regulation M. 81 FR 25323–25326, selected p.25323 and item H on p.25325. HTML; no PDF index.","Effective April 28, 2016, subject to intervening amendments. Not a read of all regulations in the omnibus rule. \ngovinfo.gov\n+1"],["R015-P1-S012","CFPB/Board regulation indexes.\nhttps://www.consumerfinance.gov/rules-policy/regulations/1013/\nhttps://www.federalreserve.gov/frrs/regulations/regulation-m-consumer-leasing.htm","Fresh metadata/discovery only: CFPB amendment label and official-edition disclaimer; Board part index. HTML.","Publication labels, not complete effectiveness or amendment-history proof. \nConsumer Financial Protection Bureau\n+1"],["R015-P1-S013","eCFR — attempted current part 1013.\nhttps://www.ecfr.gov/current/title-12/chapter-X/part-1013\nObserved access-gate destination: https://unblock.federalregister.gov/","Failure: no operative body obtained from this route; access gate encountered.","No bypass attempted. Agency text, official annual CFR, and final rules supplied the reads described above."],["R015-P1-S014","GovInfo — attempted 2026 annual CFR.\nhttps://www.govinfo.gov/content/pkg/CFR-2026-title12-vol3/pdf/CFR-2026-title12-vol3-part213.pdf\nhttps://www.govinfo.gov/content/pkg/CFR-2026-title12-vol8/pdf/CFR-2026-title12-vol8-part1013.pdf","Failure: neither requested PDF body obtained. Printed pages/PDF indices unavailable.","Exact 2026 annual-edition verification remains unresolved; failed retrieval does not establish nonexistence."],["R015-P1-S015","OLRC — attempted preliminary routes.\nhttps://uscode.house.gov/view.xhtml?edition=prelim&num=0&req=granuleid%3AUSC-prelim-title15-section1667\nhttps://uscode.house.gov/view.xhtml?edition=prelim&num=0&req=granuleid%3AUSC-prelim-title15-section1667a\nhttps://uscode.house.gov/view.xhtml?edition=prelim&num=0&req=granuleid%3AUSC-prelim-title15-section1667b\nhttps://uscode.house.gov/view.xhtml?edition=prelim&num=0&req=granuleid%3AUSC-prelim-title12-section5519\nhttps://uscode.house.gov/view.xhtml?edition=prelim&path=%2Fprelim%40title15%2Fchapter41%2Fsubchapter1%2FpartE","Failures: 404/page-not-found or maintenance responses; no relied-on operative bodies from these URLs.","Recovered through the exact versioned OLRC URLs in S001/S003; their displayed compilation limit remains controlling for the read record."],["R015-P1-S016","OLRC — attempted unversioned routes.\nhttps://uscode.house.gov/us/usc/t15/s1667/\nhttps://uscode.house.gov/us/usc/t15/s1667a/\nhttps://uscode.house.gov/us/usc/t15/s1667b/\nhttps://uscode.house.gov/us/usc/t12/s5519/","Failures: access/403/not-accessible responses.","Not substantive evidence; versioned recoveries are separately recorded."],["R015-P1-S017","Other failed body routes.\nhttps://www.consumerfinance.gov/rules-policy/regulations/1013/appendix-a/\nhttps://www.govinfo.gov/content/pkg/FR-2011-12-19/html/2011-31723.htm\nhttps://www.govinfo.gov/content/pkg/FR-2011-12-29/html/2011-33354.htm","Failures: requested bodies unavailable. Correct Appendix A route was /a/; historical rules recovered as PDFs.","Recovery did not include inspection of model-form images."],["R015-P1-S018","GovInfo — 2024 annual CFR discovery.\nhttps://www.govinfo.gov/content/pkg/CFR-2024-title12-vol8/pdf/CFR-2024-title12-vol8-part1013.pdf","Discovery only: opening parsed page, printed p.504/index0.","Historical; not used as the substantive foundation or a currentness substitute."]]},{"headers":["Claim ID","Precise claim and area","Source pinpoint","Trigger, conditions, exceptions, and status/limits"],"index":2,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Claim ID","Precise claim and area","Source pinpoint","Trigger, conditions, exceptions, and status/limits"],["R015-P1-C001","A consumer lease requires a bailment/lease of personal property to a natural person, primarily for personal/family/household purposes, for an initial term exceeding four months, within the applicable contractual-obligation threshold.","S001 §1667(1); S005 §1013.2(e)(1), comments 2(e)-1–3, 9–11","S/R/I. All gates matter. A purchase option does not alone remove coverage. A product label or supplied disclosure does not establish the underlying facts."],["R015-P1-C002","Primary purpose is determined before or at consummation.","S005 comment 2(e)-1","I. Later changed use does not itself create an original Regulation M disclosure duty. Business/commercial/agricultural purpose is excluded; no actual purpose finding is made."],["R015-P1-C003","Personal-property classification follows the law of the property’s location when offered or made available for lease; motor-vehicle classification for the vehicle disclosures also depends on applicable law.","S005 §2(l), comment 2(l)-1; comment 4(f)-1","R/I. A vehicle-like object is not classified solely by its marketing name. Actual location and classification law remain unknown."],["R015-P1-C004","An initial four-month, three-month, month-to-month, or week-to-week term is ordinarily outside the consumer-lease definition, even if use continues beyond four months. A penalty for not continuing beyond four months changes that analysis.","S005 comment 2(e)-2","I. Official examples: a three-month lease continued monthly for a year remains excluded; a nominal monthly lease with deposit forfeiture for stopping before a year is treated as exceeding four months, subject to other gates."],["R015-P1-C005","An organization lease is excluded even if an employee uses the property personally, a natural person guarantees it, or it is later assigned to a natural person.","S001 §1667(1)–(2); S005 §2(e)(2), (j), comments 2(e)-6, 2(j)-1","S/R/I. Organization includes corporation, trust, estate, partnership, cooperative, association, government entity/instrumentality; commentary includes joint ventures and persons operating under a business name. Actual legal capacity remains held."],["R015-P1-C006","A purported lease meeting the credit-sale definition is excluded from Regulation M.","S002 §1602(h); S005 §2(e)(2), comment 2(e)-4; S006 §§226.2(a)(16), 1026.2(a)(16)","S/R/I. Relevant lease/bailment test combines substantially equivalent-or-greater compensation for property/services with automatic or nominal/no-extra-consideration ownership. Regulation Z’s definition excepts a lease terminable without penalty at any time by the consumer. Actual classification requires the agreement."],["R015-P1-C007","A financed purchase may be a loan rather than a seller credit sale; neither label makes it a consumer lease.","S006 comment 2(a)(16)-2; S005 §2(e)","I/INF. A seller-arranged loan payable to the financial institution is the comment’s loan example. Regulation Z coverage, APR, usury, and loan remedies are not resolved here."],["R015-P1-C008","Total contractual obligation is not necessarily total disclosed payments.","S005 comment 2(e)-3; S009 revised comment 2(e)-3","I. Includes nonrefundable amounts contractually owed to the lessor; excludes residual/purchase-option amounts and amounts collected for payment to third parties, such as taxes, licenses, and registration. No actual total has been computed."],["R015-P1-C009","The 2026 threshold is $73,400, for January 1–December 31, 2026.","S009, comments 2(e)-11(xvii) for parts 213/1013","Final rule/I. “Not exceeding” includes equality. Published transition entries include $25,000 before July 21, 2011; $50,000 July 21–December 31, 2011; $51,800 for 2012; $71,900 for 2025. These are sourced historical amounts, not present eligibility findings."],["R015-P1-C010","The threshold in effect at consummation controls; a lease exempt because it exceeded that threshold remains exempt despite a later annual increase.","S005 comments 2(e)-9–11; S009; S002 inflation note","I/S. Annual changes take effect January 1 using the specified CPI-W mechanism and rounding. A non-increase does not reduce the operative threshold; the commentary supplies later catch-up mechanics. Extension, replacement, and a genuinely new transaction must be distinguished."],["R015-P1-C011","A lessee is a natural person entering or offered a consumer lease; a guarantor is not a lessee. A lessor regularly leases, offers, or arranges covered leases.","S005 §2(g)–(h), comment 2(g)-1","R/I. Regularity means more than five leases/offers/arrangements in the preceding calendar year or more than five in the current calendar year. Actual roles and frequency are unestablished."],["R015-P1-C012","Arranger status requires the defined relationship and either compensation/actual consideration or knowledge of terms plus participation in contract preparation.","S005 comments 2(h)-1–2","I. Mere unpaid referral without document preparation is the contrary example. Intangible increased-business benefit is not the required “other consideration.”"],["R015-P1-C013","An assignee may be a lessor when substantially involved in the lease transaction.","S005 comment 2(h)-3","I. Assignment alone is not a universal lessor-status conclusion. The opinion cited within the comment was not independently read or used as a separate holding."],["R015-P1-C014","CFPB part 1013 excludes persons within the statutory auto-dealer exclusion, subject to its functional exceptions.","S003 §5519(a)–(b), (f); S005 §1013.1(b)","S/R. Predicate: qualifying dealer predominantly engaged in sale-and-servicing or leasing-and-servicing. Exceptions apply to the extent of mortgage/real-property self-financing services; direct retail credit/leases not routinely assigned to unaffiliated finance/leasing sources; or unrelated consumer financial products/services. Dealer definition requires the statutory licensing and title/ownership/custody conditions. No actual license inquiry occurred."],["R015-P1-C015","Part 213 remains material for dealers excluded from CFPB authority; it is not universally obsolete.","S003 §5519(c); S007; S009 jurisdiction discussion and dual amendments","S/R/final rule. The 2026 rule amended both parts. Section 5519’s vehicle definition includes road vehicles, recreational boats/marine equipment, motorcycles, specified recreational vehicles/campers, and other vehicles titled and sold through dealers. That jurisdictional definition does not resolve every asset’s Regulation M classification."],["R015-P1-C016","Additional exclusions have specific conditions.","S005 §2(e)(3), comments 2(e)-7–8","R/I. Personal property incidental to a real-property lease is excluded only with no end-value liability except abnormal wear and no purchase option. Listed service-incidental examples are programming-reception equipment, home-security equipment, and propane tanks. Safe-deposit-box leases are excluded. No general exclusion for every bundled service is inferred."],["R015-P1-C017","The official interpretation distinguishes U.S.-branch/resident transactions from specified foreign-branch transactions.","S005 comment 1-1; §2(p)","I. U.S. branches offering leases to residents of a defined “State,” including foreign nationals, are within the stated scope subject to the dealer exception. Specified foreign-branch transactions abroad are excluded. International, tribal, choice-of-law, and actual residence questions remain held."],["R015-P1-C018","The statute requires advance disclosure of termination conditions and charge amounts or methods.","S001 §1667a opening and (11)","S. Applies to the lessor and covered lease; identifies both lessee- and lessor-initiated termination conditions. It is a disclosure obligation, not an independent grant of every described contractual power."]]},{"headers":["Claim ID","Precise claim and area","Source pinpoint","Trigger, conditions, exceptions, and status/limits"],"index":3,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[]],"rows":[["Claim ID","Precise claim and area","Source pinpoint","Trigger, conditions, exceptions, and status/limits"],["R015-P1-C019","Penalties or other charges for delinquency, default, or early termination may be specified only in a reasonable amount.","S001 §1667b(b); S005 comment 4(q)-5","S/I. Complete enumerated factors: anticipated or actual harm caused by the event; difficulties of proving loss; inconvenience or nonfeasibility of otherwise obtaining an adequate remedy. Neither actual loss alone nor disclosure alone is the entire statutory test."],["R015-P1-C020","Early-termination disclosure must state the conditions under which either party may terminate before the scheduled end, and the charge amount or method.","S005 §4(g)(1), comments 1–2","R/I. Charges must be reasonable. A full, accurate description not intended to mislead can comply even if complex. That disclosure standard does not adjudicate substantive reasonableness."],["R015-P1-C021","Delinquency, default, and late-payment penalties or charges require disclosure of their amount or determining method.","S005 §4(q)","R. Reasonableness is expressly required. Ordinary contractual payment obligations and event-related charges must first be correctly classified."],["R015-P1-C022","Default that is a condition for early termination engages both §4(g)(1) and §4(q).","S005 comments 4(g)(1)-4, 4(q)-2","I. The disclosures may be combined but need not be. A default label does not remove the early-termination disclosure requirement."],["R015-P1-C023","Motor-vehicle leases require the prescribed substantially similar early-termination warning.","S005 §4(g)(2)","R. It warns of a potentially substantial charge, timing dependence, and the likelihood of a greater charge earlier in the term. It is an advance disclosure, not an event-specific default notice or cure deadline."],["R015-P1-C024","Automatic collection costs or attorney fees upon default must be disclosed under §4(q); specified contingent costs need not be.","S005 comment 4(q)-1","I. The exception concerns costs contingent on actual collection-related expenditures or employment of an attorney to collect. It is a disclosure exception, not permission to recover any fee."],["R015-P1-C025","Normal additional rent in a simple-interest accounting lease is treated differently from an increased default rate.","S005 comment 4(q)-3","I. Normal rent accruing because payment is late, or after termination because property is not returned, is not characterized there as a late/default charge. A rate above normal requires disclosure of the additional amount or method. Lawfulness remains separate."],["R015-P1-C026","Certain extension charges belong in the delinquency-charge disclosure.","S005 comment 4(q)-4","I. Applies to extension charges exceeding rent in a simple-interest accounting lease or added separately. Section 5’s new-disclosure exceptions do not independently authorize the fee."],["R015-P1-C027","These disclosure provisions do not establish a universal right to cancel, accelerate, repossess, obtain cure, or collect a particular payoff.","S001 §§1667a(11), 1667b(b), 1667e; S005 §§4(g), 4(q), 9","INF from the provisions’ function. Contractual entitlement, conditions precedent, other federal law, and state enforceability require separate authority and facts. No actual rights determination is made."]]},{"headers":["Claim ID","Precise claim and area","Source pinpoint","Trigger, conditions, exceptions, and status/limits"],"index":4,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Claim ID","Precise claim and area","Source pinpoint","Trigger, conditions, exceptions, and status/limits"],["R015-P1-C028","A generally accepted method may be named for the unamortized-cost/adjusted-lease-balance portion of the early-termination calculation.","S005 comment 4(g)(1)-2","I. “Constant yield” is the official example. The lessor must still specify how that figure and every other term or figure are used in the total charge. Naming it does not supply the entire contract formula."],["R015-P1-C029","Using that named-method option creates a duty to provide its written explanation on the consumer’s request.","S005 comment 4(g)(1)-2","I. Lessor is the responding actor; consumer is the requester/recipient. The explanation may instead be supplied routinely in the lease or a separate document. The comment does not require the request itself to be written."],["R015-P1-C030","A request at consummation requires the written explanation then; a later request requires it within a reasonable time after the request.","S005 comment 4(g)(1)-3","I. An address or telephone number may be supplied for requests, but does not postpone the at-consummation duty. No fixed number of days is supplied."],["R015-P1-C031","A named method alone does not establish its inputs, timing conventions, credits, valuation choice, ancillary charges, or resulting lawful amount.","S005 comments 4(g)(1)-2–3","INF/U. No contract method or equation was adopted here. “Actuarial” was not found in the retrieved §4 text/comments; no universal equivalence between actuarial and constant-yield terminology is asserted."],["R015-P1-C032","When liability is based on unamortized cost minus realized value, the method for that difference must be disclosed. Scheduled-payment disclosures are not a universal early-termination payoff formula.","S005 comment 4(g)(1)-5; §4(f)","I/INF. The subtraction is conditional on the actual lease method. Other charge components and legal limits remain separate. No numerical illustration is supplied."],["R015-P1-C033","A requested gross-capitalized-cost itemization must be supplied before consummation.","S005 §4(f)(1), comment 4(f)(1)-2","R/I. Itemize by type and amount; provide with the other required disclosures, outside the segregated disclosures. Routine provision removes the need to state the option to request it. This is a different request from a named-method explanation."],["R015-P1-C034","Ordinary anticipated end-of-term charges have a distinct disclosure location.","S005 §4(d), comments 4(d)-1–3","R/I. Examples include disposition/pickup charges. Early-termination, default, deferment, and extension charges are not collapsed into this category. Residual-value liability is separately addressed in §4(k)."],["R015-P1-C035","A purchase option is separately disclosed and is not interchangeable with return/termination liability.","S005 §4(i), comments 4(i)-1–4","R/I. Disclose its existence or absence; end-of-term price; during-term price or method and when exercisable. Whether an option exists depends on applicable law. A mere opportunity to bid is not necessarily an option; an unspecified negotiated price or bare fair-market-value reference does not satisfy the stated certainty rule."],["R015-P1-C036","Adjusted capitalized cost, residual value, and adjusted lease balance are different concepts.","S005 §2(f), (n); §4(f); comment 4(g)(1)-2","R/I. Adjusted capitalized cost is gross capitalized cost less capitalized-cost reduction, used for base payments. Residual is the end value estimated/assigned at consummation for that calculation. Adjusted lease balance is the unamortized-cost component addressed by the termination method."],["R015-P1-C037","Realized value has defined alternatives, constrained by contract and applicable law.","S005 §2(m), comments 2(m)-1–2","R/I. Sold before liability determination: sale price or fair market value. Unsold then: highest offer or fair market value. Retail or wholesale valuation may be relevant. The realized amount itself is not a required advance disclosure; the applicable method/liability disclosures remain required."],["R015-P1-C038","Disposition costs are not deducted in determining realized value; tax amounts may be.","S005 comments 2(m)-3–4","I. Withdrawn offers and offers from an unwilling/unable performer may be disregarded when finding the highest offer. This does not independently establish a right to a separate disposition fee."],["R015-P1-C039","Open-end and closed-end describe ordinary end-of-term residual-value exposure.","S005 §2(d), (i), comment 2(d)-1","R/I. Open-end liability is based on residual minus realized value at the end. Closed-end means other than open-end. “Walk-away” does not establish zero mileage, wear, default, disposition, or early-termination charges."],["R015-P1-C040","Residual-versus-realized liability, if any, must be disclosed for early termination or ordinary end.","S005 §4(k); S001 §1667a(4)–(5)","R/S. The phrase “if any” matters. This provision does not create the liability or establish that a shortfall is immediately collectible."]]},{"headers":["Claim ID","Precise claim and area","Source pinpoint","Trigger, conditions, exceptions, and status/limits"],"index":5,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Claim ID","Precise claim and area","Source pinpoint","Trigger, conditions, exceptions, and status/limits"],["R015-P1-C041","A residual-value provision at termination carries the statutory independent-appraisal right; Regulation M requires its disclosure when liability at early termination or end depends on realized value.","S001 §1667b(c); S005 §4(l)","S/R. Lessee pays; professional independent third party must be agreed to by both parties; appraisal is final and binding. The regulation describes the value realizable at sale."],["R015-P1-C042","The lessor’s own appraisal does not substitute for disclosure of the lessee’s independent-appraisal right.","S005 comments 4(l)-2–3","I. Disclose whether wholesale or retail appraisal value is used. Binding valuation does not, by itself, resolve every separate contractual or legal challenge to the total charge."],["R015-P1-C043","Regulation M gives no fixed period for exercising the appraisal right.","S005 comment 4(l)-4","I. A lessor may require appraisal within a reasonable time after termination. No actual period’s reasonableness or deadline is decided."],["R015-P1-C044","Wear/use liability alone does not trigger the independent-appraisal disclosure; a closed-end lease may nevertheless need it for an early realized-value calculation.","S005 comment 4(l)-1; Appendix A comment 3","I. The official wear example compares damaged condition with reasonably maintained condition. The Appendix A comment identifies the closed-end model’s early-termination appraisal context; the image itself was not inspected."],["R015-P1-C045","When expiration liability is based on estimated residual value, the estimate must reasonably approximate anticipated actual fair market value at expiration.","S001 §1667b(a), first sentence","S. This is an ordinary-expiration residual-liability rule, not an invented valuation of any vehicle."],["R015-P1-C046","The statute creates rebuttable presumptions of unreasonableness and lack of good faith for the specified excess residual estimate.","S001 §1667b(a); S005 §4(m)(2)","S/R. Statutory benchmark: more than three times the average payment allocable to a month. Regulatory disclosure: more than three base monthly payments, or the stated average for nonmonthly payments. It is not a universal early-termination cap."],["R015-P1-C047","Collection of the specified excess residual liability is subject to the statutory successful-action requirement and attorney-fee provision.","S001 §1667b(a); S005 §4(m)(2), comment 4(m)-2","S/R/I. The interpretation says the lessor pays the lessee’s reasonable attorney fees in all actions under this residual-liability provision, successful or not. No actual standing, filing, award, or remedy conclusion follows."],["R015-P1-C048","The residual presumptions do not apply to the extent the excess is caused by physical damage beyond reasonable wear/use or excessive use.","S001 §1667b(a); S005 §4(m)(2)","S/R. Contractual wear/use standards must not be unreasonable. The causation and “to the extent” qualifications prevent treating every shortfall as either exempt or presumptively unlawful."],["R015-P1-C049","A willing lessee and lessor may make a mutually agreeable final adjustment of excess residual liability after termination.","S001 §1667b(a), final sentence; S005 §4(m)(3)","S/R. This is not approval of an advance waiver, compelled settlement, or actual agreement."],["R015-P1-C050","The §4(m)(2) limitation disclosure does not apply to early termination or the alternative minimum term; its presumption does not govern every end charge.","S005 comments 4(m)(2)-1–3","I. Listed other charges include disposition, excess mileage, late/default charges, and certain simple-interest unamortized balances caused by untimely payments. Their exclusion from this presumption does not make them automatically lawful."],["R015-P1-C051","Open-end leases require the specified rent-and-other-charges disclosure; nonvehicle open-end leases retain a statutory end-liability cross-reference.","S005 §4(m)(1), comment 4(m)(1)-1; §4(t); S001 §1667a(10)","R/I/S. Required acquisition/disposition/assignment charges may be included; nonrequired third-party services such as voluntary insurance are excluded from this particular financing-cost disclosure. Other asset-financing analysis remains held."]]},{"headers":["Claim ID","Precise claim and area","Source pinpoint","Trigger, conditions, exceptions, and status/limits"],"index":6,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Claim ID","Precise claim and area","Source pinpoint","Trigger, conditions, exceptions, and status/limits"],["R015-P1-C052","Required disclosures must be clear/conspicuous, in a retainable written form, together in the prescribed dated presentation, before consummation.","S001 §1667a opening/closing; S005 §3(a), (a)(1), (a)(3) and comments","S/R/I. They may be in the contract or a separate statement; permitted split presentation still requires contemporaneous delivery. Contract formation/consummation depends on state or other applicable law. Reasonably understandable and legible are the stated standards."],["R015-P1-C053","The mandatory segregated group is exact, not every lease term.","S005 §3(a)(2)","R. §§4(b)–(f), (g)(2), (h)(3), (i)(1), (j), and (m)(1); only directly related/permitted information; headings/content/format substantially similar to the applicable model. Detailed §4(g)(1) and §4(q) terms are not in that enumerated group."],["R015-P1-C054","One lessor may disclose on behalf of multiple lessors, and delivery may be to any primarily liable lessee.","S005 §3(c); comments 3(a)(1)-4–5, 3(c)-1","R/I. Identify all lessors/lessees and provide all required transaction disclosures. Regulation M does not itself require the lessee’s signature on the disclosure statement."],["R015-P1-C055","Non-English disclosures are permitted if English is available on the lessee’s request; additional information must not obscure required disclosures.","S005 §3(a)(4), (b)","R. No fixed post-request day count is supplied here. Nonsegregated state disclosures may be included consistently with these standards."],["R015-P1-C056","Proper use of an applicable model form can satisfy corresponding disclosure requirements.","S001 §1667f(b)(4); S005 Appendix A comments 1–4","S/I. This is bounded disclosure protection, not approval of every contract term or amount. No unseen form layout is certified."],["R015-P1-C057","Estimates require reasonable efforts, best reasonably available information, appropriate identification, and no evasion.","S005 §3(d), comments 1–5","R/I. Open-end residual estimates must be reasonable; accepted trade publications or better experience-based information may be used. Retail/wholesale choice must fit the lessor’s general practice and be identified. No actual valuation source was queried."],["R015-P1-C058","A subsequent event making an originally accurate disclosure inaccurate does not itself violate Regulation M.","S005 §3(e), comments 1–3","R/I. New disclosures may still be required by §5. Commentary about necessary/proper protective action after nonperformance is not an independent repossession or security-right grant."],["R015-P1-C059","Electronic lease disclosures are subject to E-SIGN consumer-consent and other applicable requirements.","S005 §3(a); S004 §7001(c)(1)","R/S. Affirmative unwithdrawn consent; advance disclosure of paper option, withdrawal procedures/consequences/fees, consent scope, contact-update procedure, and paper-copy procedure/fee; hardware/software information; electronic consent/confirmation reasonably demonstrating access. Material system changes risking access require revised information, renewed access confirmation, and the specified fee-free withdrawal protection."],["R015-P1-C060","E-SIGN does not erase substantive content/timing duties or every paper/retention protection.","S004 §7001(b), (c)(2)–(6), (d)–(f); S005 §3(a)","S/R. Preserve applicable verification, accessibility, retention/reproduction, and proximity requirements. Withdrawal operates prospectively within a reasonable processing period. The narrow rule against invalidating a contract solely for failure of §7001(c)(1)(C)(ii) does not establish disclosure compliance. Legacy-consent and oral-communication qualifications are not assumed satisfied. Electronic advertising has its own §3(a) exception; it is not blanket consent for lease disclosures."],["R015-P1-C061","A covered lease satisfied and replaced by a new lease with the same consumer is a renegotiation requiring new disclosures unless §5(d) applies.","S005 §5(a); comment 5-1; comment 5(a)-1","R/I. State/other law determines satisfaction and replacement. Section 5 applies only to existing covered leases; it does not turn an originally short rental into coverage merely through continuation. A genuinely new transaction still requires its own classification. Disclosures must reflect the renegotiated legal obligation."],["R015-P1-C062","An agreed continuation beyond the original end is an extension unless it is a renegotiation; extensions exceeding six months ordinarily require new disclosures.","S005 §5(b), comments 5(b)-1–3","R/I. Fixed term over six months: when agreed. Monthly continuation: start of seventh month and each seventh month thereafter. Varying terms: start of the term crossing six months beyond the original end. Disclose the extension period, upfront costs, and monthly nature where applicable."],["R015-P1-C063","Section 5(d) contains six specified new-disclosure exceptions.","S005 §5(d)(1)–(6)","R. Rent reduction; deferment of one or more payments with or without fee; extension no longer than six months; substantially equivalent-or-greater-value replacement property with no other term changed; multiple-item changes where average periodic payment changes no more than 25%; agreement resulting from a court proceeding. These are disclosure exceptions, not fee/enforceability approvals."],["R015-P1-C064","Assumption by another person does not require new Regulation M disclosures, with or without an assumption fee.","S005 §5(c)","R. Does not determine release of the original lessee, assignment validity, or fee lawfulness."],["R015-P1-C065","Disclosures follow the full legal obligation, not an optional minimum period alone.","S005 comment 3(a)-1","I. Official example: a three-year lease permitting penalty-free termination after one year is disclosed over three years; the minimum matters to the early-termination provisions. No universal minimum term or cancellation entitlement is inferred."]]},{"headers":["Claim ID","Precise claim and area","Source pinpoint","Trigger, conditions, exceptions, and status/limits"],"index":7,"links":[],"row_links":[[],[],[],[],[],[],[],[],[]],"rows":[["Claim ID","Precise claim and area","Source pinpoint","Trigger, conditions, exceptions, and status/limits"],["R015-P1-C066","Specified advertised payment terms trigger additional clear/conspicuous disclosures.","S001 §1667c(a); S005 §7(a), (b), (d), comments 7(a), 7(d)","S/R/I. Trigger: any payment amount, capitalized-cost reduction/other initial payment, or no-payment statement. Required terms: lease status; total due by consummation/delivery as applicable; number/amount/timing of payments; security-deposit status; conditional end residual-liability warning. Terms must actually be usually/customarily available. Advertising scope is not limited simply to contractual lessors."],["R015-P1-C067","Catalog/electronic and merchandise-tag alternatives have specific conditions.","S005 §7(c), (e), comments 7(c)-1–2, 7(e)-1","R/I. A triggering term must clearly direct to the required table/schedule; a direct electronic link is an example. Separate flyers in one envelope are not automatically one multipage ad. A merchandise tag may refer to a prominently posted in-business sign/display containing the required table; the alternative includes multiple-item leases."],["R015-P1-C068","TV/radio alternative disclosure requires core on-air terms plus the specified telephone or print route.","S005 §7(f)(1)–(2), comments 7(f)(1)-1–4","R/I. On-air §§7(d)(2)(i)–(iii); toll-free number with explanation of its purpose, or identified general-circulation publication/date and required information. The regulation specifies publication beginning at least three days before and ending at least ten days after broadcast. Number available at least ten days beginning broadcast; information oral or written on request. Nonlocal toll-free/reverse-charge and early recorded-menu access conditions are explained in comments."],["R015-P1-C069","The statutory radio alternative must be kept distinct from the regulation’s TV/radio wording.","S001 §1667c(c)(1)–(3)","S. Statute expressly includes total scheduled payments in addition to number/amount/dates; states the publication window and name/dates; requires the number by broadcast, maintained at least ten days, information to callers, and writing if requested. No advertised campaign or reconciliation of every historical regulatory modification is adjudicated here."],["R015-P1-C070","A lease percentage rate is not a validated APR.","S005 §§4(s), 7(b)(2), comments 4(s)-1, 7(b)(2)-1","R/I. Required notice says the percentage may not measure overall financing cost; “annual percentage rate,” “annual lease rate,” or equivalent is prohibited. Rate is outside segregated disclosures; advertising notice must be proximate, not an asterisk elsewhere, with the prescribed prominence limit."],["R015-P1-C071","State consumer-lease law is preserved except to the extent of inconsistency; greater protection is not treated as inconsistent.","S001 §1667e(a)–(b); S005 §9(a)–(b)","S/R. A state official may seek a preemption determination. State-class exemption requires substantially similar/greater protection and adequate enforcement; no exemption extends to the listed federal civil-liability provisions. No actual state exemption or state restriction was surveyed."],["R015-P1-C072","Avoided costs, mitigation, reletting, and disposition evidence may matter to a reasonableness inquiry, but are not additional enumerated federal factors in §1667b(b).","S001 §1667b(b); S005 comments 2(m)-2–4, 4(q)-5","INF. They may inform anticipated/actual harm or other applicable law. This report does not establish a universal federal duty to relet, a particular disposition procedure, or an automatic avoided-cost deduction."],["R015-P1-C073","Neither a lawful amount nor a complete currentness/remedy conclusion can be derived from this record.","S001–S017; application holds below","U. Contract, charge classification, variables, consent, termination event, value evidence, jurisdiction, state law, and complete intervening history remain unresolved. No actual liability, standing, collection, filing, or remedial outcome is decided."]]},{"headers":["Event or issue","Applicable federal disclosure track","Separate substantive constraint or right","What the provision does not establish","Claims"],"index":8,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Event or issue","Applicable federal disclosure track","Separate substantive constraint or right","What the provision does not establish","Claims"],["Lessee seeks voluntary early termination","§4(g)(1): conditions, amount/method; §4(g)(2) motor-vehicle warning; §§4(k), (l) if applicable","§1667b(b) reasonableness; conditional appraisal right","A universal right to return property and end all payments, a universal payoff, or a universal notice period","C019–C023, C027–C032, C040–C043"],["Lessor terminates for default","Both §§4(g)(1) and 4(q); may combine","Same reasonableness standard; other applicable law remains relevant","Acceleration, repossession, cure, sale, or deficiency authority","C021–C027"],["Late payment without termination","§4(q), with simple-interest distinctions","Reasonableness for qualifying penalties/charges","That every normal rent accrual is a penalty, or every disclosed late fee is enforceable","C019, C021, C024–C026"],["Named “constant yield” method","Full explanation of how balance and other terms produce total charge; written method explanation on request","Reasonableness still separate","The contract’s rate, time basis, credits, realized value, ancillary fees, or total lawful amount","C028–C032"],["Ordinary end of closed-end lease","Applicable ordinary end charges, purchase option, other required terms","Contract/state limits; appraisal only if its actual trigger exists","Zero liability for every charge, or ordinary-end residual risk identical to open-end risk","C034–C044"],["Ordinary end of open-end lease","§§4(k), (l), (m)","Reasonable original residual estimate; specified presumptions, excess-collection conditions, fee provision, and damage/use qualifications","That every shortfall is immediately collectible or that every end charge receives the three-payment presumption","C039–C051"],["Early termination of a closed-end lease using realized value","§§4(g), (k), (l), depending on actual method","Conditional independent appraisal; §1667b(b)","That “closed-end” eliminates early-termination valuation exposure","C028–C044"],["Purchase instead of return","§4(i) purchase option and price/method/timing","Existence and enforceability under contract/applicable law","That the purchase price equals the return charge or lease balance","C035–C036"],["Extension or replacement","§5 classification and exceptions; §4(q) extension-fee disclosure where applicable","Existing substantive limits continue to matter","That no new disclosure means a new fee is lawful; that every continuation is a new lease","C026, C061–C065"],["Electronic delivery","§3(a) plus E-SIGN","Consent/access/retention and preserved content/timing rules","That electronic signature alone proves compliant disclosure delivery","C052, C059–C060"]]},{"headers":["Trigger/request","Responsible actor → recipient","Required response or availability","Timing stated in the read authority","Boundary"],"index":9,"links":[],"row_links":[[],[],[],[],[],[],[],[],[]],"rows":[["Trigger/request","Responsible actor → recipient","Required response or availability","Timing stated in the read authority","Boundary"],["Named method used; consumer requests explanation at consummation","Lessor → requesting consumer","Written explanation of named method","At that time","Optional contact address/number does not defer it."],["Same request after consummation","Lessor → requesting consumer","Written explanation","Within a reasonable time after request","No fixed day count; request itself need not be written under the comment."],["Lessee requests gross-capitalized-cost itemization","Lessor → lessee","Separate written itemization by type/amount","Before consummation, with the other disclosures","Outside segregated disclosures; routine delivery is an alternative."],["Realized-value liability triggers appraisal right","Lessee obtains; independent professional agreed by both parties","Professional appraisal at lessee’s expense","No specified regulatory period; lessor may require reasonable time after termination","Lessor’s appraisal is not the substitute; wear-only liability differs."],["Non-English disclosure; lessee requests English","Lessor → lessee","English disclosures available","No numerical period specified in §3(a)(4)","Not a substitute for the general advance-disclosure duty."],["Advertising telephone alternative; consumer requests writing","Lessor → caller/requesting consumer","Required advertising information orally, or in writing on request","Telephone available for the specified broadcast-related period","The named-method “reasonable time” comment is not imported into this separate rule."],["Consumer withdraws electronic consent","Provider processes consumer withdrawal","Prospective withdrawal under E-SIGN; paper procedures governed by required disclosures","Reasonable period after receipt","Does not retroactively invalidate previously provided records under the statute."],["State seeks preemption determination or class exemption","Authorized state official/state → Bureau","Formal determination/application process","No actual request or filing made here","This is not a lessee-specific permission or remedy process undertaken by this report."]]},{"headers":["Audit field","Blank entry","What must be distinguished or established","Claim links"],"index":10,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Audit field","Blank entry","What must be distinguished or established","Claim links"],["Legal product classification","","Lease/bailment, credit sale, financed purchase/direct loan, rental, or unresolved","C001, C006–C007"],["Primary purpose at consummation","","Personal/family/household versus agricultural/business/commercial; label versus evidence","C002"],["Property classification and relevant jurisdiction","","Personal property under applicable location law; separate motor-vehicle classification","C003"],["Initial contractual term","","Initial term versus actual use; continuation penalties or deposit forfeiture","C004"],["Lessee legal capacity","","Natural person, organization, guarantor, later assignee","C005, C011"],["Lessor/arranger/assignee roles","","Contract role, regularity, compensation, document participation, substantial involvement","C011–C013"],["Dealer jurisdictional conditions","","Statutory dealer definition, predominant business, functional exceptions, assignment practice","C014–C015"],["Incidental-lease exclusions","","Both real-property-incidental conditions; only applicable service examples","C016"],["Geographic scope","","Relevant branch, residence, defined State; unresolved cross-border law","C017"],["Contract formation/consummation","","Applicable legal formation event and governing threshold year","C009–C010, C052"],["Total contractual obligation","","Nonrefundable lessor payments; excluded residual, option price, third-party amounts","C008"],["Applicable threshold and transition","","Exact consummation-year amount; prior exemption; replacement versus continuation","C009–C010, C061"],["Contract/disclosure version","","Agreed terms, supplements, amendments, and relationship between documents","C018, C052"],["Termination event and initiating actor","","Voluntary return, default action, agreed termination, ordinary expiration, purchase","C020–C027, C034–C035"],["Contractual termination conditions","","Permitted events, minimum term, required notice, conditions precedent","C020, C027, C065"],["Disclosure timing and retainability","","Before consummation; together; dated; clear/conspicuous; retainable","C052"],["Segregated versus other disclosure location","","Exact §3(a)(2) list and permitted related information","C053"],["Multiple-party delivery","","All parties identified; disclosure provider; primarily liable recipient","C054"],["Language and requested English version","","Original language and request/availability evidence","C055"],["Electronic consent and access","","Affirmative consent, access demonstration, scope, hardware/software, withdrawal, paper copy","C059–C060"],["Termination method and incorporation","","Full agreed method; named standard; version or definition incorporated","C028–C032"],["Method variables and timing conventions","","Contract-specific balance inputs, accrual basis, payment timing, credits, offsets","C031–C032"],["Capitalized costs and itemization","","Gross cost, reductions, adjusted cost; requested itemization","C033, C036"],["Residual value","","Original assigned estimate, valuation basis, role in scheduled payments versus termination","C036, C045, C057"],["Realized value","","Sold/unsold at liability determination; sale price/highest offer/fair market value","C037"],["Value adjustments","","Disposition-cost exclusion from realized value; taxes; disregarded offers","C038"],["Separate charge categories","","Rent, late/default penalty, termination charge, disposition, mileage, wear, collection fee","C019–C026, C034, C050"],["Reasonableness: anticipated/actual harm","","Evidentiary basis and causal connection; no automatic actual-loss-only test","C019"],["Reasonableness: proof difficulties","","Stated difficulty of proving loss","C019"],["Reasonableness: alternative remedy","","Inconvenience/nonfeasibility of otherwise obtaining adequate remedy","C019"],["Avoided costs/mitigation/reletting/disposition","","Factual relevance versus an actually sourced contractual/state-law duty","C072"],["Named-method request and response","","At-consummation versus later request; written response; elapsed-time facts","C029–C030"],["Appraisal trigger and process","","Realized-value liability, agreed independent professional, expense, retail/wholesale basis","C041–C044"],["Ordinary-end residual exposure","","Open/closed-end; original estimate; actual realized value; applicable presumption","C039, C045–C050"],["Damage/use causation","","Reasonable standards and extent to which damage/use caused residual excess","C048"],["Post-termination adjustment","","Timing, willingness, and mutual agreement","C049"],["Extension/renegotiation/assumption","","Replacement under applicable law; duration; exceptions; new-disclosure basis","C061–C065"],["Advertising cross-reference, if material","","Actual trigger, medium, alternate route, required information and availability","C066–C070"],["State/other-law restrictions","","Applicable law, conflict analysis, contract enforceability, unresolved exemption","C071"],["Remedies and source-history gaps","","No actual standing, deadline, filing, damages, or collection conclusion; version gaps","C073"]]},{"headers":["Example","Stipulated facts","Statute/regulation-specific result versus unknown","Evidence needed","Adverse misclassification"],"index":11,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Example","Stipulated facts","Statute/regulation-specific result versus unknown","Evidence needed","Adverse misclassification"],["R015-P1-E01 — Financed purchase","A document called a lease requires substantially equivalent compensation and nominal-price ownership; penalty-free termination is unavailable.","Credit-sale exclusion must be tested under C006. If it is a loan instead, C007 applies. Actual Regulation Z obligations remain unknown.","Operative ownership, consideration, termination, and creditor terms","Applying Regulation M to a credit transaction and overlooking credit-law questions"],["R015-P1-E02 — Short rental","Initial term is month-to-month; there is no penalty requiring continuation beyond four months.","Later long use alone does not satisfy the initial-term condition.","Initial term and all continuation/forfeiture provisions","Treating elapsed possession as the contractual initial term"],["R015-P1-E03 — Business purpose","Primary use at consummation is stipulated to be business use.","Consumer-purpose gate fails; later personal use does not retroactively establish initial coverage.","Contemporaneous purpose and actual agreement category","Assuming a natural-person signature proves consumer purpose"],["R015-P1-E04 — Threshold uncertain","Contractual-obligation components or consummation year are unknown.","Coverage remains unresolved; the 2026 amount cannot be applied automatically.","Year, nonrefundable obligations, excluded components, prior exemption/replacement facts","Using vehicle price or current threshold as a universal shortcut"],["R015-P1-E05 — Covered voluntary early termination","Coverage is stipulated; the lessee wishes to return before scheduled expiration.","§§4(g), potentially (k)/(l), and §1667b(b) matter. A right to terminate and the charge remain contract/state questions.","Termination conditions, complete method, charge justification","Treating return as automatic cancellation of all liability"],["R015-P1-E06 — Lessor default action","Coverage and default-triggered early termination are stipulated.","Both §4(g)(1) and §4(q) disclosures apply. Repossession, cure, acceleration, and collection authority remain unknown.","Default/termination provisions and separately applicable law","Treating disclosure as a grant of repossessory power"],["R015-P1-E07 — Named method, missing variables","Disclosure says “constant yield” but omits how the resulting balance enters total charges.","Naming the method does not satisfy the required full total-charge description by itself.","Incorporated method and every operative variable/charge relationship","Accepting a recognized name as a universal payoff formula"],["R015-P1-E08 — Written explanation request","A consumer requests the named-method explanation at consummation; alternatively, after consummation.","First branch: writing then. Second: writing within reasonable time. No fixed day count follows.","Request timing and actual written response","Deferring an at-consummation request or inventing a numerical deadline"],["R015-P1-E09 — Disclosed charge, reasonableness unknown","A charge is clearly disclosed but its harm/loss/remedy basis is unknown.","Disclosure compliance does not resolve §1667b(b).","Evidence addressing all three statutory considerations","Treating disclosure or signature as substantive approval"],["R015-P1-E10 — Ordinary end versus early termination","A residual shortfall arises, but event classification is disputed.","Ordinary-expiration presumptions cannot simply be applied to early termination; neither branch proves immediate collectibility.","Original end, event/termination terms, liability basis, wear/use causation","Applying a three-payment cap to every early termination"],["R015-P1-E11 — Residual realization unknown","A charge uses realized value, but sale status and valuation basis are unknown.","Permitted alternatives depend on whether disposition preceded liability determination and on contract/law.","Value method, sale/offer status, tax/cost treatment","Treating assigned residual, sale proceeds, and net proceeds as interchangeable"],["R015-P1-E12 — Extension versus renegotiation","A covered lease continues after its scheduled end; whether it was satisfied/replaced is unknown.","Classify under §5 before applying the six-month timing rules or exceptions.","Legal replacement/continuation terms, durations, changes, exception conditions","Calling every continuation a new lease, or every replacement an exempt extension"],["R015-P1-E13 — Electronic delivery unknown","Disclosures were emailed or presented online; consent/access evidence is absent.","E-SIGN compliance remains unresolved. An electronic signature alone does not establish it.","Consent disclosures, affirmative consent/access confirmation, retainable record","Importing the electronic-advertising exception into contract delivery"],["R015-P1-E14 — State restriction","Federal disclosures appear complete, but applicable state law has not been read.","Enforceability remains unresolved; greater state protection is not automatically displaced.","Applicable jurisdiction and published state authority in a separately bounded review","Treating federal disclosure compliance as preemption of all restrictions"],["R015-P1-E15 — Organization lessee","An organization leases property for an employee’s personal use; an individual guarantees it.","Organization exclusion remains; the guarantee does not make the guarantor a Regulation M lessee.","Actual contracting capacity and role","Treating personal use by an employee as a natural-person lease"],["R015-P1-E16 — Closed-end appraisal distinction","A closed-end lease uses realized value for early termination; alternative branch involves only excess wear.","First branch may trigger §4(l); wear-only liability does not by itself trigger it.","Actual liability formula and appraisal language","Denying all closed-end appraisal rights or granting them for every wear charge"],["R015-P1-E17 — Collection-fee distinction","One fee is automatic on default; another is contingent on collection expenditure.","First must be disclosed under §4(q); second fits the specified disclosure exception if its conditions hold. Neither is thereby approved for collection.","Fee trigger and contractual conditions","Treating a disclosure exception as substantive fee authorization"],["R015-P1-E18 — Normal versus increased rent","A simple-interest lease continues normal rent after late payment; alternative branch increases the accrual rate.","Normal accrual has the comment’s distinct treatment; above-normal additional charge requires amount/method disclosure.","Normal rate, changed rate, event and accounting terms","Calling every accrual a default penalty, or hiding an increased rate as ordinary rent"],["R015-P1-E19 — Dealer jurisdiction unresolved","An actor is described commercially as a dealer; statutory dealer and assignment-practice conditions are unknown.","Part 1013 versus retained part 213 jurisdiction remains unresolved.","Legal role and statutory business-line predicates, without any identifier/license query here","Assuming all dealer leases are outside federal Regulation M or that part 213 is obsolete"]]},{"headers":["Assigned subquestion or major branch","Status and claim/example links","Exact missing authority or facts","Next bounded permissible investigation"],"index":12,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Assigned subquestion or major branch","Status and claim/example links","Exact missing authority or facts","Next bounded permissible investigation"],["Q1 — Consumer-lease definition","Answered as law; application unresolved. C001","Actual product, purpose, term, threshold, actors","Retain gates in worksheet"],["Q1 — Lease versus credit sale","Answered/Unresolved. C006; E01","Complete ownership, consideration, and termination terms","Public generic form only if needed to illustrate classification"],["Q1 — Financed purchase/direct loan","Answered as distinction; excluded credit analysis. C007; E01","Actual loan/credit-sale classification and credit law","Preserve vehicle-credit parent hold"],["Q1 — Consumer purpose","Answered/Unresolved. C002; E03","Purpose before/at consummation","Retain blank; no purpose decision"],["Q1 — Personal property and motor vehicle","Answered/Unresolved. C003","Situs and applicable classification law","Preserve state/property hold"],["Q1 — Initial term and short rental","Answered/Unresolved. C004; E02","Initial obligation and continuation penalty","Retain exact term/penalty fields"],["Q1 — Organization and guarantor exclusions","Answered/Unresolved. C005, C011; E15","Contracting capacity and actual roles","Retain role fields"],["Q1 — Total contractual obligation","Answered/Unresolved. C008; E04","Included/excluded contractual amounts","No amount computation"],["Q1 — Actual annual threshold","Answered for 2026. C009","Actual consummation year","Use the year-specific published rule if a later bounded assignment requires another year"],["Q1 — Transition and continuing exemption","Answered/Unresolved. C010","Original coverage and whether later transaction is genuinely new","Keep continuation/replacement separate"],["Q1 — Lessor frequency and lessee status","Answered/Unresolved. C011","Frequency and actual contractual role","No actor/roster inquiry"],["Q1 — Arranger and assignee","Answered/Unresolved. C012–C013","Compensation, preparation, substantial involvement","Retain role predicates; no opinion expansion necessary now"],["Q1 — Auto-dealer exclusion/exceptions","Answered/Unresolved. C014; E19","Statutory dealer and functional conditions","No license/entity query"],["Q1 — Continuing Board part 213","Answered; annual-edition gap retained. C015","2026 annual part 213 body unavailable","Reattempt only a lawful public official source if necessary"],["Q1 — Incidental real-property/service exclusions","Answered as conditions. C016","Whether any actual arrangement meets them","Preserve other-asset/real-property hold"],["Q1 — Geographic scope","Answered at comment level; broader law excluded. C017","Branch, residence, choice-of-law facts","Preserve country/tribal/international hold"],["Q2 — Complete statutory reasonableness standard","Answered. C019; E09","Actual charge and evidentiary justification","No actual reasonableness determination"],["Q2 — Both parties’ early-termination conditions","Answered. C018, C020; E05","Agreed termination rights and conditions","Retain contract field"],["Q2 — Default/delinquency disclosure","Answered. C021","Actual charge classification","Retain charge categories"],["Q2 — Default triggering early termination","Answered. C022; E06","Actual trigger and disclosure package","Keep both provisions in audit"],["Q2 — Vehicle early-termination warning","Answered. C023","Actual supplied warning/presentation","No unseen-form compliance finding"],["Q2 — Collection-cost exception","Answered. C024; E17","Automatic versus contingent trigger","Keep disclosure and fee entitlement separate"],["Q2 — Simple-interest and extension charges","Answered. C025–C026; E18","Accounting terms and charge/rate","No calculation"],["Q2 — Cancellation, cure, acceleration, repossession","Federal disclosure boundary answered; rights unresolved/excluded. C027","Contract and other federal/state authority","Preserve parent enforcement holds"],["Q3 — Named-method allowance","Answered. C028; E07","Actual method incorporation and total-charge relationship","Generic public method/contract only if needed"],["Q3 — Written explanation and timing","Answered. C029–C030; E08","Request/response timing and content","No actual deadline calculation"],["Q3 — Actuarial/constant-yield equation","Unresolved and unnecessary to instantiate. C031","Actual incorporated equation and assumptions","Do not invent a calculator or equivalence"],["Q3 — Balance versus payment calculation","Answered distinction. C032, C036","Actual balance variables/credits","Preserve formula/application hold"],["Q3 — Capitalized-cost itemization request","Answered. C033","Request and delivery facts","Keep separate from method request"],["Q3 — Ordinary charges and purchase option","Answered. C034–C035","Actual option, price/method, ordinary charges","Preserve contract/state hold"],["Q3 — Realized value alternatives/adjustments","Answered. C037–C038; E11","Sale/offer/FMV facts; agreed basis","No vehicle-value or disposition-record inquiry"],["Q3 — Open/closed-end and conditional liability","Answered. C039–C040; E10","Actual end-liability allocation","No immediate-debt conclusion"],["Q3 — Appraisal right and exceptions","Answered. C041–C044; E16","Actual trigger, valuation basis, agreed professional, timing","Preserve blank appraisal fields"],["Q3 — Ordinary-expiration residual protections","Answered. C045–C050; E10","Estimate, realization, wear/use causation, event type","No court filing/remedy advice"],["Q3 — Other-asset residual cross-reference","Boundary answered; broader component excluded. C051","Other asset’s complete legal framework","Preserve other-asset financing"],["Q4 — Timing/form/clear conspicuousness","Answered. C052","Actual formation/delivery/presentation","No unseen-document compliance finding"],["Q4 — Exact segregation and multiple parties","Answered. C053–C054","Actual package and recipient status","Retain presentation/role fields"],["Q4 — Language/model/additional information","Answered. C055–C056","Actual request and form use","Pixel review only if a later authorized generic form review needs it"],["Q4 — Estimates and later events","Answered. C057–C058","Reasonable-effort evidence and subsequent event","No valuation inquiry"],["Q4 — Electronic delivery/consent","Answered framework; application unresolved. C059–C060; E13","Consent/access/withdrawal/retention facts","Retain electronic-delivery fields"],["Q4 — Renegotiation and initial coverage","Answered. C061, C065; E12","Satisfaction/replacement under applicable law","Do not equate continuation with a new contract"],["Q4 — Extension timing and all six exceptions","Answered. C062–C063; E12","Durations and exception predicates","No actual calendar computation"],["Q4 — Assumption","Answered disclosure rule only. C064","Release/assignment/fee enforceability","Preserve contract/state holds"],["Q4 — Necessary advertising cross-reference","Answered rule/text comparison; campaign compliance excluded. C066–C070","Actual medium, wording, availability; complete historical reconciliation if consequential","No ad creation/publication; further generic rule history only if necessary"],["Q4 — Final-rule dates/history","Answered within selected reads. S009–S011; C073","Complete intervening amendment history","Official section-history/annual-CFR follow-up only"],["Q4 — Current official codification","Partial. S008, S013–S016","Unretrieved 2026 annual editions/eCFR; post-compilation session-law audit","Preserve explicit currentness gap"],["Q4 — Guidance withdrawal","Excluded as unnecessary","No circular/bulletin/advisory relied upon","Check official register only if such guidance is later relied upon"],["Q4 — Published opinions","Excluded as unnecessary","No consequential opinion relied upon","No case-record or docket search"],["Q5 — Provision comparison and blank audit","Answered as generic tools","All actual application fields remain blank","Retain as generic worksheet"],["Q5 — Required failure branches","Answered: E01–E19","No actual facts assumed","Use only as qualitative analytical examples"],["Q5 — Avoided costs/mitigation/reletting","Answered as inference boundary. C072","Any actual contract/state duty and supporting facts","Preserve state/contract gap"],["Q5 — State enforceability and remedies","Federal boundary answered; substantive application excluded. C071–C073; E14","Applicable state law, actual claim/remedy prerequisites","Separately bounded published-law component only"],["Parent — Other A015 dimensions and acceptance","Excluded/preserved","Complete parent work remains outstanding","No parent/component/operations/publication acceptance"]]},{"headers":["Log item","What was actually read or attempted","Consequence for this report"],"index":13,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Log item","What was actually read or attempted","Consequence for this report"],["Fresh statutory reading","Complete necessary CLA operative clauses, credit-sale definition, annual-adjustment note, dealer exclusion, and E-SIGN clauses were read from official OLRC bodies.","No reliance on search snippets as statutory body text."],["Regulation and interpretation reading","Necessary operative sections and official comments were read in CFPB’s integrated and selected standalone presentations; selected Board counterparts were also read.","Statute, regulation, and interpretation remain separately labeled. Duplicate presentations are not independent review."],["Preliminary/unversioned OLRC failures","Specified preliminary and unversioned URLs returned failures/maintenance/access errors.","Versioned official bodies were used; their displayed October 7 compilation limit remains explicit."],["eCFR access failure","Current part 1013 route encountered an access gate.","No workaround; no claim to have read the current eCFR body through that route."],["Annual-edition failure","Requested 2026 part 1013 and part 213 PDFs were unavailable.","The 2025 annual text is historical; the 2026 threshold comes from the actual effective final rule. Full 2026 annual-codification confirmation remains open."],["PDF read bounds","Selected parsed text from 2025 CFR and 2011 rules, at pages/indices listed in S008/S010.","Parsed text is not pixel inspection. No complete-PDF or unseen-form claim."],["Screenshot attempts","Selected 2025 CFR screenshot requests produced unusable placeholders; requests for indices 21 and 23 timed out.","No screenshot was counted as a successful visual read."],["Appendix route failure","/appendix-a/ failed; /a/ supplied commentary.","Only Appendix A comments were relied upon, not unseen model-form images."],["Historical HTML failures","2011 GovInfo HTML routes failed; PDFs were obtained.","Historical dates and operative definitions were read from selected PDF text."],["Historical parsed-text discrepancy","The retrieved 2011 preamble rendering used “exceeds” in a coverage description, while operative §1013.2(e)(1) uses not exceeding.","The operative clause, current agency body, and 2026 final-rule commentary control this report’s coverage statement. No pixel/errata investigation of the preamble discrepancy is claimed."],["Terminology check","“Actuarial” was not found in the retrieved §4 text/comments; the named-method comment expressly uses constant yield as an example.","No inferred universal actuarial equation or synonym rule."],["Search/discovery material","Indexes, search results, and nonprimary summaries helped locate primary bodies but were not used as operative law.","No FAQ, vendor calculator, private contract, or headnote foundation."],["Contracts and calculations","No contract was needed or read; no worked charge/deadline illustration was undertaken.","No unsupported assumption set, payoff validation, APR validation, or individualized outcome."],["Guidance and opinions","No circular/bulletin/advisory or separately read published opinion relied upon.","No withdrawal-register or later-case-history verification claimed; no docket/status inquiry."]]},{"headers":["User question","Principal claims","Source families","Visible deliverable"],"index":14,"links":[],"row_links":[[],[],[],[],[],[],[]],"rows":[["User question","Principal claims","Source families","Visible deliverable"],["1. Definitions, scope, actors, term, purpose, threshold, exclusions","C001–C018","S001–S003, S005–S007, S009","Coverage claim table; worksheet coverage fields; E01–E04, E15, E19"],["2. Complete charge limitation; early/default disclosures; rights boundaries","C019–C027","S001, S005, S007–S008","Charge table; event comparison; E05–E06, E09, E17–E18"],["3. Named methods, explanation requests, values, appraisal, ordinary end","C028–C051","S001, S005, S007–S008","Method/valuation and residual tables; request table; E07–E11, E16"],["4. Timing, form, electronic delivery, changed transactions, ads, currentness","C052–C071, C073","S001, S004–S017","Delivery/change table; currentness/source/read logs; E12–E14"],["5. Comparison, blank audit, qualitative failure branches, gaps","C001–C073","All relied-on source families","Sections 4–8, including nineteen branches"],["Owner limits, no actual determinations, no parent closure","C073; parent holds below","Research execution record and bounded source ledger","Self-check and explicit holds"]]},{"headers":["Check","Result"],"index":15,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Check","Result"],["Necessary charge statute read completely","§1667b(a)–(c) read; all §1667b(b) factors included"],["Necessary scope and exclusion conditions preserved","Product, purpose, personal property, initial term, threshold, organization, actor, dealer, incidental-lease, and geographic distinctions retained"],["Actual applicable annual threshold sourced","2026 final rule read; $73,400 and effective period stated; historical and consummation predicates retained"],["Disclosure separated from substantive validity","Explicit throughout claims and comparisons"],["Named method separated from total formula","Constant yield limited to the named balance-method allowance; contract variables unresolved"],["Requests and timing separated","At-consummation explanation, later reasonable-time explanation, itemization, appraisal, English, electronic withdrawal, and advertising requests distinguished"],["Ordinary expiration separated from early termination","Three-payment presumption not treated as a universal early-termination cap"],["Appraisal boundaries preserved","Realized-value trigger, independence/agreement/expense, retail-wholesale basis, reasonable-time qualification, and wear-only exclusion included"],["All six §5(d) exceptions included","Included in C063"],["Electronic delivery not assumed compliant","Consent, access, retention, content/timing, and narrow statutory exceptions preserved"],["Currentness limitations visible","2026 annual/eCFR failures and statutory compilation lag explicitly retained"],["Source-read integrity","Primary bodies read; PDF text not called pixels; unseen forms not certified"],["Actual persons/records/identifiers","No actual or invented identifier queries or entries"],["External actions","No contacts, filings, purchases, account changes, site publication, or record requests"],["Foundation","No prior saved report or unreviewed earlier component used"],["Outcome limits","No actual amount, deadline, eligibility, liability, standing, remedy, or filing decision"]]}],"claims":[{"claim_id":"R015-P1-C001","area_numbers":[15],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R015-P1-C001","Precise claim and area":"A consumer lease requires a bailment/lease of personal property to a natural person, primarily for personal/family/household purposes, for an initial term exceeding four months, within the applicable contractual-obligation threshold.","Source pinpoint":"S001 §1667(1); S005 §1013.2(e)(1), comments 2(e)-1–3, 9–11","Trigger, conditions, exceptions, and status/limits":"S/R/I. All gates matter. A purchase option does not alone remove coverage. A product label or supplied disclosure does not establish the underlying facts."},"coordinator_verification_status":"conditional_framework_reviewed_source_application_parent_holds_preserved","coordinator_review":"[internal evidence reference]"},{"claim_id":"R015-P1-C002","area_numbers":[15],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R015-P1-C002","Precise claim and area":"Primary purpose is determined before or at consummation.","Source pinpoint":"S005 comment 2(e)-1","Trigger, conditions, exceptions, and status/limits":"I. Later changed use does not itself create an original Regulation M disclosure duty. Business/commercial/agricultural purpose is excluded; no actual purpose finding is made."},"coordinator_verification_status":"conditional_framework_reviewed_source_application_parent_holds_preserved","coordinator_review":"[internal evidence reference]"},{"claim_id":"R015-P1-C003","area_numbers":[15],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R015-P1-C003","Precise claim and area":"Personal-property classification follows the law of the property’s location when offered or made available for lease; motor-vehicle classification for the vehicle disclosures also depends on applicable law.","Source pinpoint":"S005 §2(l), comment 2(l)-1; comment 4(f)-1","Trigger, conditions, exceptions, and status/limits":"R/I. A vehicle-like object is not classified solely by its marketing name. Actual location and classification law remain unknown."},"coordinator_verification_status":"conditional_framework_reviewed_source_application_parent_holds_preserved","coordinator_review":"[internal evidence reference]"},{"claim_id":"R015-P1-C004","area_numbers":[15],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R015-P1-C004","Precise claim and area":"An initial four-month, three-month, month-to-month, or week-to-week term is ordinarily outside the consumer-lease definition, even if use continues beyond four months. A penalty for not continuing beyond four months changes that analysis.","Source pinpoint":"S005 comment 2(e)-2","Trigger, conditions, exceptions, and status/limits":"I. Official examples: a three-month lease continued monthly for a year remains excluded; a nominal monthly lease with deposit forfeiture for stopping before a year is treated as exceeding four months, subject to other gates."},"coordinator_verification_status":"conditional_framework_reviewed_source_application_parent_holds_preserved","coordinator_review":"[internal evidence reference]"},{"claim_id":"R015-P1-C005","area_numbers":[15],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R015-P1-C005","Precise claim and area":"An organization lease is excluded even if an employee uses the property personally, a natural person guarantees it, or it is later assigned to a natural person.","Source pinpoint":"S001 §1667(1)–(2); S005 §2(e)(2), (j), comments 2(e)-6, 2(j)-1","Trigger, conditions, exceptions, and status/limits":"S/R/I. Organization includes corporation, trust, estate, partnership, cooperative, association, government entity/instrumentality; commentary includes joint ventures and persons operating under a business name. Actual legal capacity remains held."},"coordinator_verification_status":"conditional_framework_reviewed_source_application_parent_holds_preserved","coordinator_review":"[internal evidence reference]"},{"claim_id":"R015-P1-C006","area_numbers":[15],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R015-P1-C006","Precise claim and area":"A purported lease meeting the credit-sale definition is excluded from Regulation M.","Source pinpoint":"S002 §1602(h); S005 §2(e)(2), comment 2(e)-4; S006 §§226.2(a)(16), 1026.2(a)(16)","Trigger, conditions, exceptions, and status/limits":"S/R/I. Relevant lease/bailment test combines substantially equivalent-or-greater compensation for property/services with automatic or nominal/no-extra-consideration ownership. Regulation Z’s definition excepts a lease terminable without penalty at any time by the consumer. Actual classification requires the agreement."},"coordinator_verification_status":"conditional_framework_reviewed_source_application_parent_holds_preserved","coordinator_review":"[internal evidence reference]"},{"claim_id":"R015-P1-C007","area_numbers":[15],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R015-P1-C007","Precise claim and area":"A financed purchase may be a loan rather than a seller credit sale; neither label makes it a consumer lease.","Source pinpoint":"S006 comment 2(a)(16)-2; S005 §2(e)","Trigger, conditions, exceptions, and status/limits":"I/INF. A seller-arranged loan payable to the financial institution is the comment’s loan example. Regulation Z coverage, APR, usury, and loan remedies are not resolved here."},"coordinator_verification_status":"conditional_framework_reviewed_source_application_parent_holds_preserved","coordinator_review":"[internal evidence reference]"},{"claim_id":"R015-P1-C008","area_numbers":[15],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R015-P1-C008","Precise claim and area":"Total contractual obligation is not necessarily total disclosed payments.","Source pinpoint":"S005 comment 2(e)-3; S009 revised comment 2(e)-3","Trigger, conditions, exceptions, and status/limits":"I. Includes nonrefundable amounts contractually owed to the lessor; excludes residual/purchase-option amounts and amounts collected for payment to third parties, such as taxes, licenses, and registration. No actual total has been computed."},"coordinator_verification_status":"conditional_framework_reviewed_source_application_parent_holds_preserved","coordinator_review":"[internal evidence reference]"},{"claim_id":"R015-P1-C009","area_numbers":[15],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R015-P1-C009","Precise claim and area":"The 2026 threshold is $73,400, for January 1–December 31, 2026.","Source pinpoint":"S009, comments 2(e)-11(xvii) for parts 213/1013","Trigger, conditions, exceptions, and status/limits":"Final rule/I. “Not exceeding” includes equality. Published transition entries include $25,000 before July 21, 2011; $50,000 July 21–December 31, 2011; $51,800 for 2012; $71,900 for 2025. These are sourced historical amounts, not present eligibility findings."},"coordinator_verification_status":"conditional_framework_reviewed_source_application_parent_holds_preserved","coordinator_review":"[internal evidence reference]"},{"claim_id":"R015-P1-C010","area_numbers":[15],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R015-P1-C010","Precise claim and area":"The threshold in effect at consummation controls; a lease exempt because it exceeded that threshold remains exempt despite a later annual increase.","Source pinpoint":"S005 comments 2(e)-9–11; S009; S002 inflation note","Trigger, conditions, exceptions, and status/limits":"I/S. Annual changes take effect January 1 using the specified CPI-W mechanism and rounding. A non-increase does not reduce the operative threshold; the commentary supplies later catch-up mechanics. Extension, replacement, and a genuinely new transaction must be distinguished."},"coordinator_verification_status":"conditional_framework_reviewed_source_application_parent_holds_preserved","coordinator_review":"[internal evidence reference]"},{"claim_id":"R015-P1-C011","area_numbers":[15],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R015-P1-C011","Precise claim and area":"A lessee is a natural person entering or offered a consumer lease; a guarantor is not a lessee. A lessor regularly leases, offers, or arranges covered leases.","Source pinpoint":"S005 §2(g)–(h), comment 2(g)-1","Trigger, conditions, exceptions, and status/limits":"R/I. Regularity means more than five leases/offers/arrangements in the preceding calendar year or more than five in the current calendar year. Actual roles and frequency are unestablished."},"coordinator_verification_status":"conditional_framework_reviewed_source_application_parent_holds_preserved","coordinator_review":"[internal evidence reference]"},{"claim_id":"R015-P1-C012","area_numbers":[15],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R015-P1-C012","Precise claim and area":"Arranger status requires the defined relationship and either compensation/actual consideration or knowledge of terms plus participation in contract preparation.","Source pinpoint":"S005 comments 2(h)-1–2","Trigger, conditions, exceptions, and status/limits":"I. Mere unpaid referral without document preparation is the contrary example. Intangible increased-business benefit is not the required “other consideration.”"},"coordinator_verification_status":"conditional_framework_reviewed_source_application_parent_holds_preserved","coordinator_review":"[internal evidence reference]"},{"claim_id":"R015-P1-C013","area_numbers":[15],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R015-P1-C013","Precise claim and area":"An assignee may be a lessor when substantially involved in the lease transaction.","Source pinpoint":"S005 comment 2(h)-3","Trigger, conditions, exceptions, and status/limits":"I. Assignment alone is not a universal lessor-status conclusion. The opinion cited within the comment was not independently read or used as a separate holding."},"coordinator_verification_status":"conditional_framework_reviewed_source_application_parent_holds_preserved","coordinator_review":"[internal evidence reference]"},{"claim_id":"R015-P1-C014","area_numbers":[15],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R015-P1-C014","Precise claim and area":"CFPB part 1013 excludes persons within the statutory auto-dealer exclusion, subject to its functional exceptions.","Source pinpoint":"S003 §5519(a)–(b), (f); S005 §1013.1(b)","Trigger, conditions, exceptions, and status/limits":"S/R. Predicate: qualifying dealer predominantly engaged in sale-and-servicing or leasing-and-servicing. Exceptions apply to the extent of mortgage/real-property self-financing services; direct retail credit/leases not routinely assigned to unaffiliated finance/leasing sources; or unrelated consumer financial products/services. Dealer definition requires the statutory licensing and title/ownership/custody conditions. No actual license inquiry occurred."},"coordinator_verification_status":"conditional_framework_reviewed_source_application_parent_holds_preserved","coordinator_review":"[internal evidence reference]"},{"claim_id":"R015-P1-C015","area_numbers":[15],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R015-P1-C015","Precise claim and area":"Part 213 remains material for dealers excluded from CFPB authority; it is not universally obsolete.","Source pinpoint":"S003 §5519(c); S007; S009 jurisdiction discussion and dual amendments","Trigger, conditions, exceptions, and status/limits":"S/R/final rule. The 2026 rule amended both parts. Section 5519’s vehicle definition includes road vehicles, recreational boats/marine equipment, motorcycles, specified recreational vehicles/campers, and other vehicles titled and sold through dealers. That jurisdictional definition does not resolve every asset’s Regulation M classification."},"coordinator_verification_status":"conditional_framework_reviewed_source_application_parent_holds_preserved","coordinator_review":"[internal evidence reference]"},{"claim_id":"R015-P1-C016","area_numbers":[15],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R015-P1-C016","Precise claim and area":"Additional exclusions have specific conditions.","Source pinpoint":"S005 §2(e)(3), comments 2(e)-7–8","Trigger, conditions, exceptions, and status/limits":"R/I. Personal property incidental to a real-property lease is excluded only with no end-value liability except abnormal wear and no purchase option. Listed service-incidental examples are programming-reception equipment, home-security equipment, and propane tanks. Safe-deposit-box leases are excluded. No general exclusion for every bundled service is inferred."},"coordinator_verification_status":"conditional_framework_reviewed_source_application_parent_holds_preserved","coordinator_review":"[internal evidence reference]"},{"claim_id":"R015-P1-C017","area_numbers":[15],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R015-P1-C017","Precise claim and area":"The official interpretation distinguishes U.S.-branch/resident transactions from specified foreign-branch transactions.","Source pinpoint":"S005 comment 1-1; §2(p)","Trigger, conditions, exceptions, and status/limits":"I. U.S. branches offering leases to residents of a defined “State,” including foreign nationals, are within the stated scope subject to the dealer exception. Specified foreign-branch transactions abroad are excluded. International, tribal, choice-of-law, and actual residence questions remain held."},"coordinator_verification_status":"conditional_framework_reviewed_source_application_parent_holds_preserved","coordinator_review":"[internal evidence reference]"},{"claim_id":"R015-P1-C018","area_numbers":[15],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R015-P1-C018","Precise claim and area":"The statute requires advance disclosure of termination conditions and charge amounts or methods.","Source pinpoint":"S001 §1667a opening and (11)","Trigger, conditions, exceptions, and status/limits":"S. Applies to the lessor and covered lease; identifies both lessee- and lessor-initiated termination conditions. It is a disclosure obligation, not an independent grant of every described contractual power."},"coordinator_verification_status":"conditional_framework_reviewed_source_application_parent_holds_preserved","coordinator_review":"[internal evidence reference]"},{"claim_id":"R015-P1-C019","area_numbers":[15],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R015-P1-C019","Precise claim and area":"Penalties or other charges for delinquency, default, or early termination may be specified only in a reasonable amount.","Source pinpoint":"S001 §1667b(b); S005 comment 4(q)-5","Trigger, conditions, exceptions, and status/limits":"S/I. Complete enumerated factors: anticipated or actual harm caused by the event; difficulties of proving loss; inconvenience or nonfeasibility of otherwise obtaining an adequate remedy. Neither actual loss alone nor disclosure alone is the entire statutory test."},"coordinator_verification_status":"conditional_framework_reviewed_source_application_parent_holds_preserved","coordinator_review":"[internal evidence reference]"},{"claim_id":"R015-P1-C020","area_numbers":[15],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R015-P1-C020","Precise claim and area":"Early-termination disclosure must state the conditions under which either party may terminate before the scheduled end, and the charge amount or method.","Source pinpoint":"S005 §4(g)(1), comments 1–2","Trigger, conditions, exceptions, and status/limits":"R/I. Charges must be reasonable. A full, accurate description not intended to mislead can comply even if complex. That disclosure standard does not adjudicate substantive reasonableness."},"coordinator_verification_status":"conditional_framework_reviewed_source_application_parent_holds_preserved","coordinator_review":"[internal evidence reference]"},{"claim_id":"R015-P1-C021","area_numbers":[15],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R015-P1-C021","Precise claim and area":"Delinquency, default, and late-payment penalties or charges require disclosure of their amount or determining method.","Source pinpoint":"S005 §4(q)","Trigger, conditions, exceptions, and status/limits":"R. Reasonableness is expressly required. Ordinary contractual payment obligations and event-related charges must first be correctly classified."},"coordinator_verification_status":"conditional_framework_reviewed_source_application_parent_holds_preserved","coordinator_review":"[internal evidence reference]"},{"claim_id":"R015-P1-C022","area_numbers":[15],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R015-P1-C022","Precise claim and area":"Default that is a condition for early termination engages both §4(g)(1) and §4(q).","Source pinpoint":"S005 comments 4(g)(1)-4, 4(q)-2","Trigger, conditions, exceptions, and status/limits":"I. The disclosures may be combined but need not be. A default label does not remove the early-termination disclosure requirement."},"coordinator_verification_status":"conditional_framework_reviewed_source_application_parent_holds_preserved","coordinator_review":"[internal evidence reference]"},{"claim_id":"R015-P1-C023","area_numbers":[15],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R015-P1-C023","Precise claim and area":"Motor-vehicle leases require the prescribed substantially similar early-termination warning.","Source pinpoint":"S005 §4(g)(2)","Trigger, conditions, exceptions, and status/limits":"R. It warns of a potentially substantial charge, timing dependence, and the likelihood of a greater charge earlier in the term. It is an advance disclosure, not an event-specific default notice or cure deadline."},"coordinator_verification_status":"conditional_framework_reviewed_source_application_parent_holds_preserved","coordinator_review":"[internal evidence reference]"},{"claim_id":"R015-P1-C024","area_numbers":[15],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R015-P1-C024","Precise claim and area":"Automatic collection costs or attorney fees upon default must be disclosed under §4(q); specified contingent costs need not be.","Source pinpoint":"S005 comment 4(q)-1","Trigger, conditions, exceptions, and status/limits":"I. The exception concerns costs contingent on actual collection-related expenditures or employment of an attorney to collect. It is a disclosure exception, not permission to recover any fee."},"coordinator_verification_status":"conditional_framework_reviewed_source_application_parent_holds_preserved","coordinator_review":"[internal evidence reference]"},{"claim_id":"R015-P1-C025","area_numbers":[15],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R015-P1-C025","Precise claim and area":"Normal additional rent in a simple-interest accounting lease is treated differently from an increased default rate.","Source pinpoint":"S005 comment 4(q)-3","Trigger, conditions, exceptions, and status/limits":"I. Normal rent accruing because payment is late, or after termination because property is not returned, is not characterized there as a late/default charge. A rate above normal requires disclosure of the additional amount or method. Lawfulness remains separate."},"coordinator_verification_status":"requires_bounded_rent_charge_unit_or_comment_pinpoint_precision","coordinator_review":"[internal evidence reference]"},{"claim_id":"R015-P1-C026","area_numbers":[15],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R015-P1-C026","Precise claim and area":"Certain extension charges belong in the delinquency-charge disclosure.","Source pinpoint":"S005 comment 4(q)-4","Trigger, conditions, exceptions, and status/limits":"I. Applies to extension charges exceeding rent in a simple-interest accounting lease or added separately. Section 5’s new-disclosure exceptions do not independently authorize the fee."},"coordinator_verification_status":"requires_bounded_rent_charge_unit_or_comment_pinpoint_precision","coordinator_review":"[internal evidence reference]"},{"claim_id":"R015-P1-C027","area_numbers":[15],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R015-P1-C027","Precise claim and area":"These disclosure provisions do not establish a universal right to cancel, accelerate, repossess, obtain cure, or collect a particular payoff.","Source pinpoint":"S001 §§1667a(11), 1667b(b), 1667e; S005 §§4(g), 4(q), 9","Trigger, conditions, exceptions, and status/limits":"INF from the provisions’ function. Contractual entitlement, conditions precedent, other federal law, and state enforceability require separate authority and facts. No actual rights determination is made."},"coordinator_verification_status":"conditional_framework_reviewed_source_application_parent_holds_preserved","coordinator_review":"[internal evidence reference]"},{"claim_id":"R015-P1-C028","area_numbers":[15],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R015-P1-C028","Precise claim and area":"A generally accepted method may be named for the unamortized-cost/adjusted-lease-balance portion of the early-termination calculation.","Source pinpoint":"S005 comment 4(g)(1)-2","Trigger, conditions, exceptions, and status/limits":"I. “Constant yield” is the official example. The lessor must still specify how that figure and every other term or figure are used in the total charge. Naming it does not supply the entire contract formula."},"coordinator_verification_status":"conditional_framework_reviewed_source_application_parent_holds_preserved","coordinator_review":"[internal evidence reference]"},{"claim_id":"R015-P1-C029","area_numbers":[15],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R015-P1-C029","Precise claim and area":"Using that named-method option creates a duty to provide its written explanation on the consumer’s request.","Source pinpoint":"S005 comment 4(g)(1)-2","Trigger, conditions, exceptions, and status/limits":"I. Lessor is the responding actor; consumer is the requester/recipient. The explanation may instead be supplied routinely in the lease or a separate document. The comment does not require the request itself to be written."},"coordinator_verification_status":"conditional_framework_reviewed_source_application_parent_holds_preserved","coordinator_review":"[internal evidence reference]"},{"claim_id":"R015-P1-C030","area_numbers":[15],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R015-P1-C030","Precise claim and area":"A request at consummation requires the written explanation then; a later request requires it within a reasonable time after the request.","Source pinpoint":"S005 comment 4(g)(1)-3","Trigger, conditions, exceptions, and status/limits":"I. An address or telephone number may be supplied for requests, but does not postpone the at-consummation duty. No fixed number of days is supplied."},"coordinator_verification_status":"conditional_framework_reviewed_source_application_parent_holds_preserved","coordinator_review":"[internal evidence reference]"},{"claim_id":"R015-P1-C031","area_numbers":[15],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R015-P1-C031","Precise claim and area":"A named method alone does not establish its inputs, timing conventions, credits, valuation choice, ancillary charges, or resulting lawful amount.","Source pinpoint":"S005 comments 4(g)(1)-2–3","Trigger, conditions, exceptions, and status/limits":"INF/U. No contract method or equation was adopted here. “Actuarial” was not found in the retrieved §4 text/comments; no universal equivalence between actuarial and constant-yield terminology is asserted."},"coordinator_verification_status":"conditional_framework_reviewed_source_application_parent_holds_preserved","coordinator_review":"[internal evidence reference]"},{"claim_id":"R015-P1-C032","area_numbers":[15],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R015-P1-C032","Precise claim and area":"When liability is based on unamortized cost minus realized value, the method for that difference must be disclosed. Scheduled-payment disclosures are not a universal early-termination payoff formula.","Source pinpoint":"S005 comment 4(g)(1)-5; §4(f)","Trigger, conditions, exceptions, and status/limits":"I/INF. The subtraction is conditional on the actual lease method. Other charge components and legal limits remain separate. No numerical illustration is supplied."},"coordinator_verification_status":"conditional_framework_reviewed_source_application_parent_holds_preserved","coordinator_review":"[internal evidence reference]"},{"claim_id":"R015-P1-C033","area_numbers":[15],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R015-P1-C033","Precise claim and area":"A requested gross-capitalized-cost itemization must be supplied before consummation.","Source pinpoint":"S005 §4(f)(1), comment 4(f)(1)-2","Trigger, conditions, exceptions, and status/limits":"R/I. Itemize by type and amount; provide with the other required disclosures, outside the segregated disclosures. Routine provision removes the need to state the option to request it. This is a different request from a named-method explanation."},"coordinator_verification_status":"conditional_framework_reviewed_source_application_parent_holds_preserved","coordinator_review":"[internal evidence reference]"},{"claim_id":"R015-P1-C034","area_numbers":[15],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R015-P1-C034","Precise claim and area":"Ordinary anticipated end-of-term charges have a distinct disclosure location.","Source pinpoint":"S005 §4(d), comments 4(d)-1–3","Trigger, conditions, exceptions, and status/limits":"R/I. Examples include disposition/pickup charges. Early-termination, default, deferment, and extension charges are not collapsed into this category. Residual-value liability is separately addressed in §4(k)."},"coordinator_verification_status":"requires_bounded_rent_charge_unit_or_comment_pinpoint_precision","coordinator_review":"[internal evidence reference]"},{"claim_id":"R015-P1-C035","area_numbers":[15],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R015-P1-C035","Precise claim and area":"A purchase option is separately disclosed and is not interchangeable with return/termination liability.","Source pinpoint":"S005 §4(i), comments 4(i)-1–4","Trigger, conditions, exceptions, and status/limits":"R/I. Disclose its existence or absence; end-of-term price; during-term price or method and when exercisable. Whether an option exists depends on applicable law. A mere opportunity to bid is not necessarily an option; an unspecified negotiated price or bare fair-market-value reference does not satisfy the stated certainty rule."},"coordinator_verification_status":"requires_bounded_rent_charge_unit_or_comment_pinpoint_precision","coordinator_review":"[internal evidence reference]"},{"claim_id":"R015-P1-C036","area_numbers":[15],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R015-P1-C036","Precise claim and area":"Adjusted capitalized cost, residual value, and adjusted lease balance are different concepts.","Source pinpoint":"S005 §2(f), (n); §4(f); comment 4(g)(1)-2","Trigger, conditions, exceptions, and status/limits":"R/I. Adjusted capitalized cost is gross capitalized cost less capitalized-cost reduction, used for base payments. Residual is the end value estimated/assigned at consummation for that calculation. Adjusted lease balance is the unamortized-cost component addressed by the termination method."},"coordinator_verification_status":"conditional_framework_reviewed_source_application_parent_holds_preserved","coordinator_review":"[internal evidence reference]"},{"claim_id":"R015-P1-C037","area_numbers":[15],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R015-P1-C037","Precise claim and area":"Realized value has defined alternatives, constrained by contract and applicable law.","Source pinpoint":"S005 §2(m), comments 2(m)-1–2","Trigger, conditions, exceptions, and status/limits":"R/I. Sold before liability determination: sale price or fair market value. Unsold then: highest offer or fair market value. Retail or wholesale valuation may be relevant. The realized amount itself is not a required advance disclosure; the applicable method/liability disclosures remain required."},"coordinator_verification_status":"conditional_framework_reviewed_source_application_parent_holds_preserved","coordinator_review":"[internal evidence reference]"},{"claim_id":"R015-P1-C038","area_numbers":[15],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R015-P1-C038","Precise claim and area":"Disposition costs are not deducted in determining realized value; tax amounts may be.","Source pinpoint":"S005 comments 2(m)-3–4","Trigger, conditions, exceptions, and status/limits":"I. Withdrawn offers and offers from an unwilling/unable performer may be disregarded when finding the highest offer. This does not independently establish a right to a separate disposition fee."},"coordinator_verification_status":"conditional_framework_reviewed_source_application_parent_holds_preserved","coordinator_review":"[internal evidence reference]"},{"claim_id":"R015-P1-C039","area_numbers":[15],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R015-P1-C039","Precise claim and area":"Open-end and closed-end describe ordinary end-of-term residual-value exposure.","Source pinpoint":"S005 §2(d), (i), comment 2(d)-1","Trigger, conditions, exceptions, and status/limits":"R/I. Open-end liability is based on residual minus realized value at the end. Closed-end means other than open-end. “Walk-away” does not establish zero mileage, wear, default, disposition, or early-termination charges."},"coordinator_verification_status":"conditional_framework_reviewed_source_application_parent_holds_preserved","coordinator_review":"[internal evidence reference]"},{"claim_id":"R015-P1-C040","area_numbers":[15],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R015-P1-C040","Precise claim and area":"Residual-versus-realized liability, if any, must be disclosed for early termination or ordinary end.","Source pinpoint":"S005 §4(k); S001 §1667a(4)–(5)","Trigger, conditions, exceptions, and status/limits":"R/S. The phrase “if any” matters. This provision does not create the liability or establish that a shortfall is immediately collectible."},"coordinator_verification_status":"conditional_framework_reviewed_source_application_parent_holds_preserved","coordinator_review":"[internal evidence reference]"},{"claim_id":"R015-P1-C041","area_numbers":[15],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R015-P1-C041","Precise claim and area":"A residual-value provision at termination carries the statutory independent-appraisal right; Regulation M requires its disclosure when liability at early termination or end depends on realized value.","Source pinpoint":"S001 §1667b(c); S005 §4(l)","Trigger, conditions, exceptions, and status/limits":"S/R. Lessee pays; professional independent third party must be agreed to by both parties; appraisal is final and binding. The regulation describes the value realizable at sale."},"coordinator_verification_status":"conditional_framework_reviewed_source_application_parent_holds_preserved","coordinator_review":"[internal evidence reference]"},{"claim_id":"R015-P1-C042","area_numbers":[15],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R015-P1-C042","Precise claim and area":"The lessor’s own appraisal does not substitute for disclosure of the lessee’s independent-appraisal right.","Source pinpoint":"S005 comments 4(l)-2–3","Trigger, conditions, exceptions, and status/limits":"I. Disclose whether wholesale or retail appraisal value is used. Binding valuation does not, by itself, resolve every separate contractual or legal challenge to the total charge."},"coordinator_verification_status":"conditional_framework_reviewed_source_application_parent_holds_preserved","coordinator_review":"[internal evidence reference]"},{"claim_id":"R015-P1-C043","area_numbers":[15],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R015-P1-C043","Precise claim and area":"Regulation M gives no fixed period for exercising the appraisal right.","Source pinpoint":"S005 comment 4(l)-4","Trigger, conditions, exceptions, and status/limits":"I. A lessor may require appraisal within a reasonable time after termination. No actual period’s reasonableness or deadline is decided."},"coordinator_verification_status":"conditional_framework_reviewed_source_application_parent_holds_preserved","coordinator_review":"[internal evidence reference]"},{"claim_id":"R015-P1-C044","area_numbers":[15],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R015-P1-C044","Precise claim and area":"Wear/use liability alone does not trigger the independent-appraisal disclosure; a closed-end lease may nevertheless need it for an early realized-value calculation.","Source pinpoint":"S005 comment 4(l)-1; Appendix A comment 3","Trigger, conditions, exceptions, and status/limits":"I. The official wear example compares damaged condition with reasonably maintained condition. The Appendix A comment identifies the closed-end model’s early-termination appraisal context; the image itself was not inspected."},"coordinator_verification_status":"conditional_framework_reviewed_source_application_parent_holds_preserved","coordinator_review":"[internal evidence reference]"},{"claim_id":"R015-P1-C045","area_numbers":[15],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R015-P1-C045","Precise claim and area":"When expiration liability is based on estimated residual value, the estimate must reasonably approximate anticipated actual fair market value at expiration.","Source pinpoint":"S001 §1667b(a), first sentence","Trigger, conditions, exceptions, and status/limits":"S. This is an ordinary-expiration residual-liability rule, not an invented valuation of any vehicle."},"coordinator_verification_status":"conditional_framework_reviewed_source_application_parent_holds_preserved","coordinator_review":"[internal evidence reference]"},{"claim_id":"R015-P1-C046","area_numbers":[15],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R015-P1-C046","Precise claim and area":"The statute creates rebuttable presumptions of unreasonableness and lack of good faith for the specified excess residual estimate.","Source pinpoint":"S001 §1667b(a); S005 §4(m)(2)","Trigger, conditions, exceptions, and status/limits":"S/R. Statutory benchmark: more than three times the average payment allocable to a month. Regulatory disclosure: more than three base monthly payments, or the stated average for nonmonthly payments. It is not a universal early-termination cap."},"coordinator_verification_status":"conditional_framework_reviewed_source_application_parent_holds_preserved","coordinator_review":"[internal evidence reference]"},{"claim_id":"R015-P1-C047","area_numbers":[15],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R015-P1-C047","Precise claim and area":"Collection of the specified excess residual liability is subject to the statutory successful-action requirement and attorney-fee provision.","Source pinpoint":"S001 §1667b(a); S005 §4(m)(2), comment 4(m)-2","Trigger, conditions, exceptions, and status/limits":"S/R/I. The interpretation says the lessor pays the lessee’s reasonable attorney fees in all actions under this residual-liability provision, successful or not. No actual standing, filing, award, or remedy conclusion follows."},"coordinator_verification_status":"conditional_framework_reviewed_source_application_parent_holds_preserved","coordinator_review":"[internal evidence reference]"},{"claim_id":"R015-P1-C048","area_numbers":[15],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R015-P1-C048","Precise claim and area":"The residual presumptions do not apply to the extent the excess is caused by physical damage beyond reasonable wear/use or excessive use.","Source pinpoint":"S001 §1667b(a); S005 §4(m)(2)","Trigger, conditions, exceptions, and status/limits":"S/R. Contractual wear/use standards must not be unreasonable. The causation and “to the extent” qualifications prevent treating every shortfall as either exempt or presumptively unlawful."},"coordinator_verification_status":"conditional_framework_reviewed_source_application_parent_holds_preserved","coordinator_review":"[internal evidence reference]"},{"claim_id":"R015-P1-C049","area_numbers":[15],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R015-P1-C049","Precise claim and area":"A willing lessee and lessor may make a mutually agreeable final adjustment of excess residual liability after termination.","Source pinpoint":"S001 §1667b(a), final sentence; S005 §4(m)(3)","Trigger, conditions, exceptions, and status/limits":"S/R. This is not approval of an advance waiver, compelled settlement, or actual agreement."},"coordinator_verification_status":"conditional_framework_reviewed_source_application_parent_holds_preserved","coordinator_review":"[internal evidence reference]"},{"claim_id":"R015-P1-C050","area_numbers":[15],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R015-P1-C050","Precise claim and area":"The §4(m)(2) limitation disclosure does not apply to early termination or the alternative minimum term; its presumption does not govern every end charge.","Source pinpoint":"S005 comments 4(m)(2)-1–3","Trigger, conditions, exceptions, and status/limits":"I. Listed other charges include disposition, excess mileage, late/default charges, and certain simple-interest unamortized balances caused by untimely payments. Their exclusion from this presumption does not make them automatically lawful."},"coordinator_verification_status":"conditional_framework_reviewed_source_application_parent_holds_preserved","coordinator_review":"[internal evidence reference]"},{"claim_id":"R015-P1-C051","area_numbers":[15],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R015-P1-C051","Precise claim and area":"Open-end leases require the specified rent-and-other-charges disclosure; nonvehicle open-end leases retain a statutory end-liability cross-reference.","Source pinpoint":"S005 §4(m)(1), comment 4(m)(1)-1; §4(t); S001 §1667a(10)","Trigger, conditions, exceptions, and status/limits":"R/I/S. Required acquisition/disposition/assignment charges may be included; nonrequired third-party services such as voluntary insurance are excluded from this particular financing-cost disclosure. Other asset-financing analysis remains held."},"coordinator_verification_status":"conditional_framework_reviewed_source_application_parent_holds_preserved","coordinator_review":"[internal evidence reference]"},{"claim_id":"R015-P1-C052","area_numbers":[15],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R015-P1-C052","Precise claim and area":"Required disclosures must be clear/conspicuous, in a retainable written form, together in the prescribed dated presentation, before consummation.","Source pinpoint":"S001 §1667a opening/closing; S005 §3(a), (a)(1), (a)(3) and comments","Trigger, conditions, exceptions, and status/limits":"S/R/I. They may be in the contract or a separate statement; permitted split presentation still requires contemporaneous delivery. Contract formation/consummation depends on state or other applicable law. Reasonably understandable and legible are the stated standards."},"coordinator_verification_status":"conditional_framework_reviewed_source_application_parent_holds_preserved","coordinator_review":"[internal evidence reference]"},{"claim_id":"R015-P1-C053","area_numbers":[15],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R015-P1-C053","Precise claim and area":"The mandatory segregated group is exact, not every lease term.","Source pinpoint":"S005 §3(a)(2)","Trigger, conditions, exceptions, and status/limits":"R. §§4(b)–(f), (g)(2), (h)(3), (i)(1), (j), and (m)(1); only directly related/permitted information; headings/content/format substantially similar to the applicable model. Detailed §4(g)(1) and §4(q) terms are not in that enumerated group."},"coordinator_verification_status":"conditional_framework_reviewed_source_application_parent_holds_preserved","coordinator_review":"[internal evidence reference]"},{"claim_id":"R015-P1-C054","area_numbers":[15],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R015-P1-C054","Precise claim and area":"One lessor may disclose on behalf of multiple lessors, and delivery may be to any primarily liable lessee.","Source pinpoint":"S005 §3(c); comments 3(a)(1)-4–5, 3(c)-1","Trigger, conditions, exceptions, and status/limits":"R/I. Identify all lessors/lessees and provide all required transaction disclosures. Regulation M does not itself require the lessee’s signature on the disclosure statement."},"coordinator_verification_status":"conditional_framework_reviewed_source_application_parent_holds_preserved","coordinator_review":"[internal evidence reference]"},{"claim_id":"R015-P1-C055","area_numbers":[15],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R015-P1-C055","Precise claim and area":"Non-English disclosures are permitted if English is available on the lessee’s request; additional information must not obscure required disclosures.","Source pinpoint":"S005 §3(a)(4), (b)","Trigger, conditions, exceptions, and status/limits":"R. No fixed post-request day count is supplied here. Nonsegregated state disclosures may be included consistently with these standards."},"coordinator_verification_status":"conditional_framework_reviewed_source_application_parent_holds_preserved","coordinator_review":"[internal evidence reference]"},{"claim_id":"R015-P1-C056","area_numbers":[15],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R015-P1-C056","Precise claim and area":"Proper use of an applicable model form can satisfy corresponding disclosure requirements.","Source pinpoint":"S001 §1667f(b)(4); S005 Appendix A comments 1–4","Trigger, conditions, exceptions, and status/limits":"S/I. This is bounded disclosure protection, not approval of every contract term or amount. No unseen form layout is certified."},"coordinator_verification_status":"conditional_framework_reviewed_source_application_parent_holds_preserved","coordinator_review":"[internal evidence reference]"},{"claim_id":"R015-P1-C057","area_numbers":[15],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R015-P1-C057","Precise claim and area":"Estimates require reasonable efforts, best reasonably available information, appropriate identification, and no evasion.","Source pinpoint":"S005 §3(d), comments 1–5","Trigger, conditions, exceptions, and status/limits":"R/I. Open-end residual estimates must be reasonable; accepted trade publications or better experience-based information may be used. Retail/wholesale choice must fit the lessor’s general practice and be identified. No actual valuation source was queried."},"coordinator_verification_status":"conditional_framework_reviewed_source_application_parent_holds_preserved","coordinator_review":"[internal evidence reference]"},{"claim_id":"R015-P1-C058","area_numbers":[15],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R015-P1-C058","Precise claim and area":"A subsequent event making an originally accurate disclosure inaccurate does not itself violate Regulation M.","Source pinpoint":"S005 §3(e), comments 1–3","Trigger, conditions, exceptions, and status/limits":"R/I. New disclosures may still be required by §5. Commentary about necessary/proper protective action after nonperformance is not an independent repossession or security-right grant."},"coordinator_verification_status":"conditional_framework_reviewed_source_application_parent_holds_preserved","coordinator_review":"[internal evidence reference]"},{"claim_id":"R015-P1-C059","area_numbers":[15],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R015-P1-C059","Precise claim and area":"Electronic lease disclosures are subject to E-SIGN consumer-consent and other applicable requirements.","Source pinpoint":"S005 §3(a); S004 §7001(c)(1)","Trigger, conditions, exceptions, and status/limits":"R/S. Affirmative unwithdrawn consent; advance disclosure of paper option, withdrawal procedures/consequences/fees, consent scope, contact-update procedure, and paper-copy procedure/fee; hardware/software information; electronic consent/confirmation reasonably demonstrating access. Material system changes risking access require revised information, renewed access confirmation, and the specified fee-free withdrawal protection."},"coordinator_verification_status":"conditional_framework_reviewed_source_application_parent_holds_preserved","coordinator_review":"[internal evidence reference]"},{"claim_id":"R015-P1-C060","area_numbers":[15],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R015-P1-C060","Precise claim and area":"E-SIGN does not erase substantive content/timing duties or every paper/retention protection.","Source pinpoint":"S004 §7001(b), (c)(2)–(6), (d)–(f); S005 §3(a)","Trigger, conditions, exceptions, and status/limits":"S/R. Preserve applicable verification, accessibility, retention/reproduction, and proximity requirements. Withdrawal operates prospectively within a reasonable processing period. The narrow rule against invalidating a contract solely for failure of §7001(c)(1)(C)(ii) does not establish disclosure compliance. Legacy-consent and oral-communication qualifications are not assumed satisfied. Electronic advertising has its own §3(a) exception; it is not blanket consent for lease disclosures."},"coordinator_verification_status":"conditional_framework_reviewed_source_application_parent_holds_preserved","coordinator_review":"[internal evidence reference]"},{"claim_id":"R015-P1-C061","area_numbers":[15],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R015-P1-C061","Precise claim and area":"A covered lease satisfied and replaced by a new lease with the same consumer is a renegotiation requiring new disclosures unless §5(d) applies.","Source pinpoint":"S005 §5(a); comment 5-1; comment 5(a)-1","Trigger, conditions, exceptions, and status/limits":"R/I. State/other law determines satisfaction and replacement. Section 5 applies only to existing covered leases; it does not turn an originally short rental into coverage merely through continuation. A genuinely new transaction still requires its own classification. Disclosures must reflect the renegotiated legal obligation."},"coordinator_verification_status":"conditional_framework_reviewed_source_application_parent_holds_preserved","coordinator_review":"[internal evidence reference]"},{"claim_id":"R015-P1-C062","area_numbers":[15],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R015-P1-C062","Precise claim and area":"An agreed continuation beyond the original end is an extension unless it is a renegotiation; extensions exceeding six months ordinarily require new disclosures.","Source pinpoint":"S005 §5(b), comments 5(b)-1–3","Trigger, conditions, exceptions, and status/limits":"R/I. Fixed term over six months: when agreed. Monthly continuation: start of seventh month and each seventh month thereafter. Varying terms: start of the term crossing six months beyond the original end. Disclose the extension period, upfront costs, and monthly nature where applicable."},"coordinator_verification_status":"conditional_framework_reviewed_source_application_parent_holds_preserved","coordinator_review":"[internal evidence reference]"},{"claim_id":"R015-P1-C063","area_numbers":[15],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R015-P1-C063","Precise claim and area":"Section 5(d) contains six specified new-disclosure exceptions.","Source pinpoint":"S005 §5(d)(1)–(6)","Trigger, conditions, exceptions, and status/limits":"R. Rent reduction; deferment of one or more payments with or without fee; extension no longer than six months; substantially equivalent-or-greater-value replacement property with no other term changed; multiple-item changes where average periodic payment changes no more than 25%; agreement resulting from a court proceeding. These are disclosure exceptions, not fee/enforceability approvals."},"coordinator_verification_status":"requires_bounded_rent_charge_unit_or_comment_pinpoint_precision","coordinator_review":"[internal evidence reference]"},{"claim_id":"R015-P1-C064","area_numbers":[15],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R015-P1-C064","Precise claim and area":"Assumption by another person does not require new Regulation M disclosures, with or without an assumption fee.","Source pinpoint":"S005 §5(c)","Trigger, conditions, exceptions, and status/limits":"R. Does not determine release of the original lessee, assignment validity, or fee lawfulness."},"coordinator_verification_status":"conditional_framework_reviewed_source_application_parent_holds_preserved","coordinator_review":"[internal evidence reference]"},{"claim_id":"R015-P1-C065","area_numbers":[15],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R015-P1-C065","Precise claim and area":"Disclosures follow the full legal obligation, not an optional minimum period alone.","Source pinpoint":"S005 comment 3(a)-1","Trigger, conditions, exceptions, and status/limits":"I. Official example: a three-year lease permitting penalty-free termination after one year is disclosed over three years; the minimum matters to the early-termination provisions. No universal minimum term or cancellation entitlement is inferred."},"coordinator_verification_status":"conditional_framework_reviewed_source_application_parent_holds_preserved","coordinator_review":"[internal evidence reference]"},{"claim_id":"R015-P1-C066","area_numbers":[15],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R015-P1-C066","Precise claim and area":"Specified advertised payment terms trigger additional clear/conspicuous disclosures.","Source pinpoint":"S001 §1667c(a); S005 §7(a), (b), (d), comments 7(a), 7(d)","Trigger, conditions, exceptions, and status/limits":"S/R/I. Trigger: any payment amount, capitalized-cost reduction/other initial payment, or no-payment statement. Required terms: lease status; total due by consummation/delivery as applicable; number/amount/timing of payments; security-deposit status; conditional end residual-liability warning. Terms must actually be usually/customarily available. Advertising scope is not limited simply to contractual lessors."},"coordinator_verification_status":"conditional_framework_reviewed_source_application_parent_holds_preserved","coordinator_review":"[internal evidence reference]"},{"claim_id":"R015-P1-C067","area_numbers":[15],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R015-P1-C067","Precise claim and area":"Catalog/electronic and merchandise-tag alternatives have specific conditions.","Source pinpoint":"S005 §7(c), (e), comments 7(c)-1–2, 7(e)-1","Trigger, conditions, exceptions, and status/limits":"R/I. A triggering term must clearly direct to the required table/schedule; a direct electronic link is an example. Separate flyers in one envelope are not automatically one multipage ad. A merchandise tag may refer to a prominently posted in-business sign/display containing the required table; the alternative includes multiple-item leases."},"coordinator_verification_status":"conditional_framework_reviewed_source_application_parent_holds_preserved","coordinator_review":"[internal evidence reference]"},{"claim_id":"R015-P1-C068","area_numbers":[15],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R015-P1-C068","Precise claim and area":"TV/radio alternative disclosure requires core on-air terms plus the specified telephone or print route.","Source pinpoint":"S005 §7(f)(1)–(2), comments 7(f)(1)-1–4","Trigger, conditions, exceptions, and status/limits":"R/I. On-air §§7(d)(2)(i)–(iii); toll-free number with explanation of its purpose, or identified general-circulation publication/date and required information. The regulation specifies publication beginning at least three days before and ending at least ten days after broadcast. Number available at least ten days beginning broadcast; information oral or written on request. Nonlocal toll-free/reverse-charge and early recorded-menu access conditions are explained in comments."},"coordinator_verification_status":"conditional_framework_reviewed_source_application_parent_holds_preserved","coordinator_review":"[internal evidence reference]"},{"claim_id":"R015-P1-C069","area_numbers":[15],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R015-P1-C069","Precise claim and area":"The statutory radio alternative must be kept distinct from the regulation’s TV/radio wording.","Source pinpoint":"S001 §1667c(c)(1)–(3)","Trigger, conditions, exceptions, and status/limits":"S. Statute expressly includes total scheduled payments in addition to number/amount/dates; states the publication window and name/dates; requires the number by broadcast, maintained at least ten days, information to callers, and writing if requested. No advertised campaign or reconciliation of every historical regulatory modification is adjudicated here."},"coordinator_verification_status":"conditional_framework_reviewed_source_application_parent_holds_preserved","coordinator_review":"[internal evidence reference]"},{"claim_id":"R015-P1-C070","area_numbers":[15],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R015-P1-C070","Precise claim and area":"A lease percentage rate is not a validated APR.","Source pinpoint":"S005 §§4(s), 7(b)(2), comments 4(s)-1, 7(b)(2)-1","Trigger, conditions, exceptions, and status/limits":"R/I. Required notice says the percentage may not measure overall financing cost; “annual percentage rate,” “annual lease rate,” or equivalent is prohibited. Rate is outside segregated disclosures; advertising notice must be proximate, not an asterisk elsewhere, with the prescribed prominence limit."},"coordinator_verification_status":"conditional_framework_reviewed_source_application_parent_holds_preserved","coordinator_review":"[internal evidence reference]"},{"claim_id":"R015-P1-C071","area_numbers":[15],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R015-P1-C071","Precise claim and area":"State consumer-lease law is preserved except to the extent of inconsistency; greater protection is not treated as inconsistent.","Source pinpoint":"S001 §1667e(a)–(b); S005 §9(a)–(b)","Trigger, conditions, exceptions, and status/limits":"S/R. A state official may seek a preemption determination. State-class exemption requires substantially similar/greater protection and adequate enforcement; no exemption extends to the listed federal civil-liability provisions. No actual state exemption or state restriction was surveyed."},"coordinator_verification_status":"conditional_framework_reviewed_source_application_parent_holds_preserved","coordinator_review":"[internal evidence reference]"},{"claim_id":"R015-P1-C072","area_numbers":[15],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R015-P1-C072","Precise claim and area":"Avoided costs, mitigation, reletting, and disposition evidence may matter to a reasonableness inquiry, but are not additional enumerated federal factors in §1667b(b).","Source pinpoint":"S001 §1667b(b); S005 comments 2(m)-2–4, 4(q)-5","Trigger, conditions, exceptions, and status/limits":"INF. They may inform anticipated/actual harm or other applicable law. This report does not establish a universal federal duty to relet, a particular disposition procedure, or an automatic avoided-cost deduction."},"coordinator_verification_status":"conditional_framework_reviewed_source_application_parent_holds_preserved","coordinator_review":"[internal evidence reference]"},{"claim_id":"R015-P1-C073","area_numbers":[15],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R015-P1-C073","Precise claim and area":"Neither a lawful amount nor a complete currentness/remedy conclusion can be derived from this record.","Source pinpoint":"S001–S017; application holds below","Trigger, conditions, exceptions, and status/limits":"U. Contract, charge classification, variables, consent, termination event, value evidence, jurisdiction, state law, and complete intervening history remain unresolved. No actual liability, standing, collection, filing, or remedial outcome is decided."},"coordinator_verification_status":"conditional_framework_reviewed_source_application_parent_holds_preserved","coordinator_review":"[internal evidence reference]"}],"sources":[{"source_id":"R015-P1-S001","urls":["https://uscode.house.gov/us/usc/119-118/t15/s1667/","https://uscode.house.gov/us/usc/119-118/t15/s1667a/","https://uscode.house.gov/us/usc/119-118/t15/s1667b/","https://uscode.house.gov/us/usc/119-118/t15/s1667c/","https://uscode.house.gov/us/usc/119-118/t15/s1667e/","https://uscode.house.gov/us/usc/119-118/t15/s1667f/","https://uscode.house.gov/us/usc/119-118/t15/s1667/?utm_source=chatgpt.com","https://uscode.house.gov/us/usc/119-118/t15/s1667a/?utm_source=chatgpt.com","https://uscode.house.gov/us/usc/119-118/t15/s1667b/?utm_source=chatgpt.com","https://uscode.house.gov/us/usc/119-118/t15/s1667c/?utm_source=chatgpt.com","https://uscode.house.gov/us/usc/119-118/t15/s1667e/?utm_source=chatgpt.com","https://uscode.house.gov/us/usc/119-118/t15/s1667f/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"R015-P1-S001","Issuer, title, and complete literal HTTPS URLs":"OLRC — Consumer Leasing Act statutory family.\nhttps://uscode.house.gov/us/usc/119-118/t15/s1667/\nhttps://uscode.house.gov/us/usc/119-118/t15/s1667a/\nhttps://uscode.house.gov/us/usc/119-118/t15/s1667b/\nhttps://uscode.house.gov/us/usc/119-118/t15/s1667c/\nhttps://uscode.house.gov/us/usc/119-118/t15/s1667e/\nhttps://uscode.house.gov/us/usc/119-118/t15/s1667f/","Exact clauses/comments and read bounds":"Fresh complete operative bodies: §1667 definitions (1)–(5); §1667a opening, (1)–(11), closing; §1667b(a)–(c); §1667c(a)–(c); §1667e(a)–(b); §1667f(a)–(b). Selected effective-date/editorial notes also read. HTML; no PDF index.","Version/effective predicate; status and limits":"Displayed compilation through P.L. 119-120, October 7, 2026. Statutory text and editorial notes distinguished. No §1667d remedies investigation or complete subsequent session-law audit. \nuscode.house.gov\n+5"},"coordinator_verification_status":"fresh_selected_body","coordinator_review":"[internal evidence reference]"},{"source_id":"R015-P1-S002","urls":["https://uscode.house.gov/us/usc/119-118/t15/s1602/","https://uscode.house.gov/us/usc/119-118/t15/s1603/","https://uscode.house.gov/us/usc/119-118/t15/s1602/?utm_source=chatgpt.com","https://uscode.house.gov/us/usc/119-118/t15/s1603/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"R015-P1-S002","Issuer, title, and complete literal HTTPS URLs":"OLRC — TILA credit-sale definition and inflation authority.\nhttps://uscode.house.gov/us/usc/119-118/t15/s1602/\nhttps://uscode.house.gov/us/usc/119-118/t15/s1603/","Exact clauses/comments and read bounds":"Fresh §1602(h); §1603 “Adjustments for Inflation” note, P.L. 111-203 §1100E(b), and relevant 2010 effective-date note. Other visible §1603 exclusions were not used to complete vehicle-credit analysis. HTML.","Version/effective predicate; status and limits":"Same displayed statutory-compilation limit. §1667’s older cross-reference to §1602(g) is explained by the editorial redesignation to (h). \nuscode.house.gov\n+1"},"coordinator_verification_status":"fresh_selected_body","coordinator_review":"[internal evidence reference]"},{"source_id":"R015-P1-S003","urls":["https://uscode.house.gov/us/usc/119-120/t12/s5519/","https://uscode.house.gov/us/usc/119-120/t12/s5519/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"R015-P1-S003","Issuer, title, and complete literal HTTPS URLs":"OLRC — 12 U.S.C. §5519, Exclusion for auto dealers.\nhttps://uscode.house.gov/us/usc/119-120/t12/s5519/","Exact clauses/comments and read bounds":"Fresh complete (a)–(f), including all three functional exceptions, preservation of other-agency authority, and statutory vehicle/dealer definitions; effective-date note. HTML.","Version/effective predicate; status and limits":"Dodd-Frank §1029; displayed compilation through October 7, 2026. No actual dealer, license, business-line, or assignment-practice determination. \nuscode.house.gov"},"coordinator_verification_status":"fresh_selected_body","coordinator_review":"[internal evidence reference]"},{"source_id":"R015-P1-S004","urls":["https://uscode.house.gov/us/usc/119-118/t15/s7001/","https://uscode.house.gov/us/usc/119-118/t15/s7001/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"R015-P1-S004","Issuer, title, and complete literal HTTPS URLs":"OLRC — 15 U.S.C. §7001, E-SIGN general rule of validity.\nhttps://uscode.house.gov/us/usc/119-118/t15/s7001/","Exact clauses/comments and read bounds":"Fresh (a)–(f), including consumer consent, access demonstration, changed-system requirements, withdrawal, preservation of other law, retention, and proximity; selected effective-date notes. HTML.","Version/effective predicate; status and limits":"General E-SIGN effective date October 1, 2000; retention provisions have separate transition dates in the notes. No actual consent or legacy-consent conclusion. \nuscode.house.gov\n+2"},"coordinator_verification_status":"fresh_selected_body","coordinator_review":"[internal evidence reference]"},{"source_id":"R015-P1-S005","urls":["https://www.consumerfinance.gov/rules-policy/regulations/1013/1/","https://www.consumerfinance.gov/rules-policy/regulations/1013/interp-1/","https://www.consumerfinance.gov/rules-policy/regulations/1013/2/","https://www.consumerfinance.gov/rules-policy/regulations/1013/3/","https://www.consumerfinance.gov/rules-policy/regulations/1013/4/","https://www.consumerfinance.gov/rules-policy/regulations/1013/interp-4/","https://www.consumerfinance.gov/rules-policy/regulations/1013/5/","https://www.consumerfinance.gov/rules-policy/regulations/1013/interp-5/","https://www.consumerfinance.gov/rules-policy/regulations/1013/7/","https://www.consumerfinance.gov/rules-policy/regulations/1013/9/","https://www.consumerfinance.gov/rules-policy/regulations/1013/a/","https://www.consumerfinance.gov/rules-policy/regulations/1013/1/?utm_source=chatgpt.com","https://www.consumerfinance.gov/rules-policy/regulations/1013/interp-1/?utm_source=chatgpt.com","https://www.consumerfinance.gov/rules-policy/regulations/1013/2/?utm_source=chatgpt.com","https://www.consumerfinance.gov/rules-policy/regulations/1013/3/?utm_source=chatgpt.com","https://www.consumerfinance.gov/rules-policy/regulations/1013/4/?utm_source=chatgpt.com","https://www.consumerfinance.gov/rules-policy/regulations/1013/interp-4/?utm_source=chatgpt.com","https://www.consumerfinance.gov/rules-policy/regulations/1013/5/?utm_source=chatgpt.com","https://www.consumerfinance.gov/rules-policy/regulations/1013/interp-5/?utm_source=chatgpt.com","https://www.consumerfinance.gov/rules-policy/regulations/1013/7/?utm_source=chatgpt.com","https://www.consumerfinance.gov/rules-policy/regulations/1013/9/?utm_source=chatgpt.com","https://www.consumerfinance.gov/rules-policy/regulations/1013/a/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"R015-P1-S005","Issuer, title, and complete literal HTTPS URLs":"CFPB — 12 CFR part 1013 and Supplement I, grouped agency presentation.\nhttps://www.consumerfinance.gov/rules-policy/regulations/1013/1/\nhttps://www.consumerfinance.gov/rules-policy/regulations/1013/interp-1/\nhttps://www.consumerfinance.gov/rules-policy/regulations/1013/2/\nhttps://www.consumerfinance.gov/rules-policy/regulations/1013/3/\nhttps://www.consumerfinance.gov/rules-policy/regulations/1013/4/\nhttps://www.consumerfinance.gov/rules-policy/regulations/1013/interp-4/\nhttps://www.consumerfinance.gov/rules-policy/regulations/1013/5/\nhttps://www.consumerfinance.gov/rules-policy/regulations/1013/interp-5/\nhttps://www.consumerfinance.gov/rules-policy/regulations/1013/7/\nhttps://www.consumerfinance.gov/rules-policy/regulations/1013/9/\nhttps://www.consumerfinance.gov/rules-policy/regulations/1013/a/","Exact clauses/comments and read bounds":"Fresh §§1, 2, 3, 5, 7, 9 operative bodies and necessary integrated comments; standalone comment 1-1 and comment 5-1; §4(a)–(m), (q)–(t) and necessary comments. Relevant §4 comments were also checked in the standalone interpretation presentation. Appendix A comments 1–4 only; model-form images were not inspected. Incidental insurance/security/warranty text appearing in retrievals was not developed into those parent components. HTML.","Version/effective predicate; status and limits":"Pages say current; operative rules distinguished from official interpretations. Subject to S008/S009 checks and currentness limits. Multiple pages remain one regulation/commentary family. \nConsumer Financial Protection Bureau\n+7"},"coordinator_verification_status":"fresh_selected_body_requires_bounded_precision","coordinator_review":"[internal evidence reference]"},{"source_id":"R015-P1-S006","urls":["https://www.consumerfinance.gov/rules-policy/regulations/1026/2/","https://www.federalreserve.gov/frrs/regulations/section-2262-definitions-and-rules-of-construction.htm","https://www.consumerfinance.gov/rules-policy/regulations/1026/2/?utm_source=chatgpt.com","https://www.federalreserve.gov/frrs/regulations/section-2262-definitions-and-rules-of-construction.htm?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"R015-P1-S006","Issuer, title, and complete literal HTTPS URLs":"CFPB and Federal Reserve — Regulation Z credit-sale definition.\nhttps://www.consumerfinance.gov/rules-policy/regulations/1026/2/\nhttps://www.federalreserve.gov/frrs/regulations/section-2262-definitions-and-rules-of-construction.htm","Exact clauses/comments and read bounds":"Fresh §1026.2(a)(16) and relevant comments, especially comments 1–2; Board §226.2(a)(16). Selected provisions only, not whole Regulation Z. HTML.","Version/effective predicate; status and limits":"Used to follow Regulation M’s credit-sale cross-reference and distinguish a direct loan. Actual Regulation Z coverage and credit-origination compliance remain held. \nConsumer Financial Protection Bureau\n+1"},"coordinator_verification_status":"fresh_selected_partial_body","coordinator_review":"[internal evidence reference]"},{"source_id":"R015-P1-S007","urls":["https://www.federalreserve.gov/frrs/regulations/section-2131-authority-scope-purpose-and-enforcement.htm","https://www.federalreserve.gov/frrs/regulations/section-2134-content-of-disclosures.htm","https://www.federalreserve.gov/frrs/regulations/official-staff-commentary-on-regulation-m.htm","https://www.federalreserve.gov/frrs/regulations/section-2131-authority-scope-purpose-and-enforcement.htm?utm_source=chatgpt.com","https://www.federalreserve.gov/frrs/regulations/section-2134-content-of-disclosures.htm?utm_source=chatgpt.com","https://www.federalreserve.gov/frrs/regulations/official-staff-commentary-on-regulation-m.htm?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"R015-P1-S007","Issuer, title, and complete literal HTTPS URLs":"Federal Reserve — continuing Regulation M, part 213.\nhttps://www.federalreserve.gov/frrs/regulations/section-2131-authority-scope-purpose-and-enforcement.htm\nhttps://www.federalreserve.gov/frrs/regulations/section-2134-content-of-disclosures.htm\nhttps://www.federalreserve.gov/frrs/regulations/official-staff-commentary-on-regulation-m.htm","Exact clauses/comments and read bounds":"Fresh §213.1; selected complete §213.4(g), (k)–(m), (q), related provisions; comments 4(g)(1)-1–5, 4(l), 4(m), 4(q)-1–5, 5-1, and current threshold commentary. HTML; long navigation portions not substantive reads.","Version/effective predicate; status and limits":"Continuing dealer jurisdiction corroborated by S009. Website headers are not a full amendment history; this is not dismissed as merely an obsolete former number. \nfederalreserve.gov\n+5"},"coordinator_verification_status":"fresh_selected_partial_body","coordinator_review":"[internal evidence reference]"},{"source_id":"R015-P1-S008","urls":["https://www.govinfo.gov/content/pkg/CFR-2025-title12-vol8/pdf/CFR-2025-title12-vol8-part1013.pdf","https://www.govinfo.gov/content/pkg/CFR-2025-title12-vol8/pdf/CFR-2025-title12-vol8-part1013.pdf?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"R015-P1-S008","Issuer, title, and complete literal HTTPS URLs":"GPO/GovInfo — 2025 annual CFR, title 12, volume 8, part 1013.\nhttps://www.govinfo.gov/content/pkg/CFR-2025-title12-vol8/pdf/CFR-2025-title12-vol8-part1013.pdf","Exact clauses/comments and read bounds":"Fresh selected parsed text from printed 505–531, PDF indices 0–26. Selected reads: p.505/index0; pp.508–510/indices3–5; pp.521–522/indices16–17; pp.525–528/indices20–23; selected Appendix A commentary at p.531/index26. Material included §§4(g), (k)–(m), (q), realized-value comments, named-method comments, appraisal and excess-liability comments.","Version/effective predicate; status and limits":"Edition January 1, 2025; historical annual codification. Not all 27 pages read, no full-form or pixel-review claim. Screenshot attempts did not yield usable visual inspection; two timed out. \ngovinfo.gov\n+5"},"coordinator_verification_status":"fresh_selected_partial_historical_body","coordinator_review":"[internal evidence reference]"},{"source_id":"R015-P1-S009","urls":["https://www.govinfo.gov/content/pkg/FR-2025-12-15/html/2025-22813.htm","https://www.federalregister.gov/documents/2025/12/15/2025-22813/consumer-leasing-regulation-m","https://www.consumerfinance.gov/rules-policy/final-rules/consumer-leasing-regulation-m-adjustments/","https://www.govinfo.gov/content/pkg/FR-2025-12-15/html/2025-22813.htm?utm_source=chatgpt.com","https://www.federalregister.gov/documents/2025/12/15/2025-22813/consumer-leasing-regulation-m?utm_source=chatgpt.com","https://www.consumerfinance.gov/rules-policy/final-rules/consumer-leasing-regulation-m-adjustments/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"R015-P1-S009","Issuer, title, and complete literal HTTPS URLs":"Federal Reserve/CFPB — Consumer Leasing (Regulation M), 2026 threshold final rule.\nhttps://www.govinfo.gov/content/pkg/FR-2025-12-15/html/2025-22813.htm\nhttps://www.federalregister.gov/documents/2025/12/15/2025-22813/consumer-leasing-regulation-m\nhttps://www.consumerfinance.gov/rules-policy/final-rules/consumer-leasing-regulation-m-adjustments/","Exact clauses/comments and read bounds":"Fresh GovInfo HTML: 90 FR 57878–57882; summary/dates, jurisdiction/adjustment background, complete relevant part 1013 amendatory comments 2(e)-1–11, selected Board counterpart including threshold. CFPB and FederalRegister.gov landing material used as same-rule metadata/discovery. No PDF index.","Version/effective predicate; status and limits":"Published December 15, 2025; effective January 1, 2026; 2026 threshold $73,400. Historical threshold list and no-increase mechanics read. Same final rule, not three independent authorities. \ngovinfo.gov\n+4"},"coordinator_verification_status":"fresh_selected_body","coordinator_review":"[internal evidence reference]"},{"source_id":"R015-P1-S010","urls":["https://www.govinfo.gov/content/pkg/FR-2011-12-19/pdf/2011-31723.pdf","https://www.govinfo.gov/content/pkg/FR-2011-12-29/pdf/2011-33354.pdf","https://www.federalregister.gov/documents/2011/12/19/2011-31723/consumer-leasing-regulation-m","https://www.govinfo.gov/content/pkg/FR-2011-12-19/pdf/2011-31723.pdf?utm_source=chatgpt.com","https://www.govinfo.gov/content/pkg/FR-2011-12-29/pdf/2011-33354.pdf?utm_source=chatgpt.com","https://www.federalregister.gov/documents/2011/12/19/2011-31723/consumer-leasing-regulation-m?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"R015-P1-S010","Issuer, title, and complete literal HTTPS URLs":"CFPB — 2011 republication and correction.\nhttps://www.govinfo.gov/content/pkg/FR-2011-12-19/pdf/2011-31723.pdf\nhttps://www.govinfo.gov/content/pkg/FR-2011-12-29/pdf/2011-33354.pdf\nhttps://www.federalregister.gov/documents/2011/12/19/2011-31723/consumer-leasing-regulation-m","Exact clauses/comments and read bounds":"Fresh selected parsed PDF text: 76 FR 78500–78520, especially p.78500/index0 summary/dates and p.78503/index3 operative §§1013.1–.2 material; selected parsed lines 611–777. Correction: 76 FR 81789–81790, PDF indices0–1, Regulation M portion only. FR webpage metadata only.","Version/effective predicate; status and limits":"Historical interim rule and correction, effective December 30, 2011. No whole-PDF or pixel claim. Parsed preamble/operative threshold wording discrepancy preserved in the log below. \ngovinfo.gov\n+2"},"coordinator_verification_status":"fresh_selected_partial_historical_body","coordinator_review":"[internal evidence reference]"},{"source_id":"R015-P1-S011","urls":["https://www.govinfo.gov/content/pkg/FR-2016-04-28/html/2016-09431.htm","https://www.govinfo.gov/content/pkg/FR-2016-04-28/html/2016-09431.htm?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"R015-P1-S011","Issuer, title, and complete literal HTTPS URLs":"CFPB — final adoption of interim rules.\nhttps://www.govinfo.gov/content/pkg/FR-2016-04-28/html/2016-09431.htm","Exact clauses/comments and read bounds":"Fresh selected summary/dates and Authority and Issuance, item H, adopting Regulation M. 81 FR 25323–25326, selected p.25323 and item H on p.25325. HTML; no PDF index.","Version/effective predicate; status and limits":"Effective April 28, 2016, subject to intervening amendments. Not a read of all regulations in the omnibus rule. \ngovinfo.gov\n+1"},"coordinator_verification_status":"fresh_selected_historical_body","coordinator_review":"[internal evidence reference]"},{"source_id":"R015-P1-S012","urls":["https://www.consumerfinance.gov/rules-policy/regulations/1013/","https://www.federalreserve.gov/frrs/regulations/regulation-m-consumer-leasing.htm","https://www.consumerfinance.gov/rules-policy/regulations/1013/?utm_source=chatgpt.com","https://www.federalreserve.gov/frrs/regulations/regulation-m-consumer-leasing.htm?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"R015-P1-S012","Issuer, title, and complete literal HTTPS URLs":"CFPB/Board regulation indexes.\nhttps://www.consumerfinance.gov/rules-policy/regulations/1013/\nhttps://www.federalreserve.gov/frrs/regulations/regulation-m-consumer-leasing.htm","Exact clauses/comments and read bounds":"Fresh metadata/discovery only: CFPB amendment label and official-edition disclaimer; Board part index. HTML.","Version/effective predicate; status and limits":"Publication labels, not complete effectiveness or amendment-history proof. \nConsumer Financial Protection Bureau\n+1"},"coordinator_verification_status":"fresh_selected_metadata","coordinator_review":"[internal evidence reference]"},{"source_id":"R015-P1-S013","urls":["https://www.ecfr.gov/current/title-12/chapter-X/part-1013","https://unblock.federalregister.gov/","https://www.ecfr.gov/current/title-12/chapter-X/part-1013?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"R015-P1-S013","Issuer, title, and complete literal HTTPS URLs":"eCFR — attempted current part 1013.\nhttps://www.ecfr.gov/current/title-12/chapter-X/part-1013\nObserved access-gate destination: https://unblock.federalregister.gov/","Exact clauses/comments and read bounds":"Failure: no operative body obtained from this route; access gate encountered.","Version/effective predicate; status and limits":"No bypass attempted. Agency text, official annual CFR, and final rules supplied the reads described above."},"coordinator_verification_status":"unreopened_failure_or_unused_discovery","coordinator_review":"[internal evidence reference]"},{"source_id":"R015-P1-S014","urls":["https://www.govinfo.gov/content/pkg/CFR-2026-title12-vol3/pdf/CFR-2026-title12-vol3-part213.pdf","https://www.govinfo.gov/content/pkg/CFR-2026-title12-vol8/pdf/CFR-2026-title12-vol8-part1013.pdf"],"researcher_record":{"Source ID":"R015-P1-S014","Issuer, title, and complete literal HTTPS URLs":"GovInfo — attempted 2026 annual CFR.\nhttps://www.govinfo.gov/content/pkg/CFR-2026-title12-vol3/pdf/CFR-2026-title12-vol3-part213.pdf\nhttps://www.govinfo.gov/content/pkg/CFR-2026-title12-vol8/pdf/CFR-2026-title12-vol8-part1013.pdf","Exact clauses/comments and read bounds":"Failure: neither requested PDF body obtained. Printed pages/PDF indices unavailable.","Version/effective predicate; status and limits":"Exact 2026 annual-edition verification remains unresolved; failed retrieval does not establish nonexistence."},"coordinator_verification_status":"unreopened_failure_or_unused_discovery","coordinator_review":"[internal evidence reference]"},{"source_id":"R015-P1-S015","urls":["https://uscode.house.gov/view.xhtml?edition=prelim&num=0&req=granuleid%3AUSC-prelim-title15-section1667","https://uscode.house.gov/view.xhtml?edition=prelim&num=0&req=granuleid%3AUSC-prelim-title15-section1667a","https://uscode.house.gov/view.xhtml?edition=prelim&num=0&req=granuleid%3AUSC-prelim-title15-section1667b","https://uscode.house.gov/view.xhtml?edition=prelim&num=0&req=granuleid%3AUSC-prelim-title12-section5519","https://uscode.house.gov/view.xhtml?edition=prelim&path=%2Fprelim%40title15%2Fchapter41%2Fsubchapter1%2FpartE","https://uscode.house.gov/view.xhtml?edition=prelim&num=0&req=granuleid:USC-prelim-title15-section1667a&utm_source=chatgpt.com","https://uscode.house.gov/view.xhtml?edition=prelim&num=0&req=granuleid:USC-prelim-title15-section1667b&utm_source=chatgpt.com","https://uscode.house.gov/view.xhtml?edition=prelim&num=0&req=granuleid:USC-prelim-title12-section5519&utm_source=chatgpt.com","https://uscode.house.gov/view.xhtml?edition=prelim&path=%2Fprelim@title15%2Fchapter41%2Fsubchapter1%2FpartE&utm_source=chatgpt.com"],"researcher_record":{"Source ID":"R015-P1-S015","Issuer, title, and complete literal HTTPS URLs":"OLRC — attempted preliminary routes.\nhttps://uscode.house.gov/view.xhtml?edition=prelim&num=0&req=granuleid%3AUSC-prelim-title15-section1667\nhttps://uscode.house.gov/view.xhtml?edition=prelim&num=0&req=granuleid%3AUSC-prelim-title15-section1667a\nhttps://uscode.house.gov/view.xhtml?edition=prelim&num=0&req=granuleid%3AUSC-prelim-title15-section1667b\nhttps://uscode.house.gov/view.xhtml?edition=prelim&num=0&req=granuleid%3AUSC-prelim-title12-section5519\nhttps://uscode.house.gov/view.xhtml?edition=prelim&path=%2Fprelim%40title15%2Fchapter41%2Fsubchapter1%2FpartE","Exact clauses/comments and read bounds":"Failures: 404/page-not-found or maintenance responses; no relied-on operative bodies from these URLs.","Version/effective predicate; status and limits":"Recovered through the exact versioned OLRC URLs in S001/S003; their displayed compilation limit remains controlling for the read record."},"coordinator_verification_status":"unreopened_failure_or_unused_discovery","coordinator_review":"[internal evidence reference]"},{"source_id":"R015-P1-S016","urls":["https://uscode.house.gov/us/usc/t15/s1667/","https://uscode.house.gov/us/usc/t15/s1667a/","https://uscode.house.gov/us/usc/t15/s1667b/","https://uscode.house.gov/us/usc/t12/s5519/","https://uscode.house.gov/us/usc/t15/s1667b/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"R015-P1-S016","Issuer, title, and complete literal HTTPS URLs":"OLRC — attempted unversioned routes.\nhttps://uscode.house.gov/us/usc/t15/s1667/\nhttps://uscode.house.gov/us/usc/t15/s1667a/\nhttps://uscode.house.gov/us/usc/t15/s1667b/\nhttps://uscode.house.gov/us/usc/t12/s5519/","Exact clauses/comments and read bounds":"Failures: access/403/not-accessible responses.","Version/effective predicate; status and limits":"Not substantive evidence; versioned recoveries are separately recorded."},"coordinator_verification_status":"unreopened_failure_or_unused_discovery","coordinator_review":"[internal evidence reference]"},{"source_id":"R015-P1-S017","urls":["https://www.consumerfinance.gov/rules-policy/regulations/1013/appendix-a/","https://www.govinfo.gov/content/pkg/FR-2011-12-19/html/2011-31723.htm","https://www.govinfo.gov/content/pkg/FR-2011-12-29/html/2011-33354.htm"],"researcher_record":{"Source ID":"R015-P1-S017","Issuer, title, and complete literal HTTPS URLs":"Other failed body routes.\nhttps://www.consumerfinance.gov/rules-policy/regulations/1013/appendix-a/\nhttps://www.govinfo.gov/content/pkg/FR-2011-12-19/html/2011-31723.htm\nhttps://www.govinfo.gov/content/pkg/FR-2011-12-29/html/2011-33354.htm","Exact clauses/comments and read bounds":"Failures: requested bodies unavailable. Correct Appendix A route was /a/; historical rules recovered as PDFs.","Version/effective predicate; status and limits":"Recovery did not include inspection of model-form images."},"coordinator_verification_status":"unreopened_failure_or_unused_discovery","coordinator_review":"[internal evidence reference]"},{"source_id":"R015-P1-S018","urls":["https://www.govinfo.gov/content/pkg/CFR-2024-title12-vol8/pdf/CFR-2024-title12-vol8-part1013.pdf","https://www.govinfo.gov/content/pkg/CFR-2024-title12-vol8/pdf/CFR-2024-title12-vol8-part1013.pdf?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"R015-P1-S018","Issuer, title, and complete literal HTTPS URLs":"GovInfo — 2024 annual CFR discovery.\nhttps://www.govinfo.gov/content/pkg/CFR-2024-title12-vol8/pdf/CFR-2024-title12-vol8-part1013.pdf","Exact clauses/comments and read bounds":"Discovery only: opening parsed page, printed p.504/index0.","Version/effective predicate; status and limits":"Historical; not used as the substantive foundation or a currentness substitute."},"coordinator_verification_status":"unreopened_failure_or_unused_discovery","coordinator_review":"[internal evidence reference]"}],"coverage":[{"topic":"Q1 — Consumer-lease definition","researcher_record":{"Assigned subquestion or major branch":"Q1 — Consumer-lease definition","Status and claim/example links":"Answered as law; application unresolved. C001","Exact missing authority or facts":"Actual product, purpose, term, threshold, actors","Next bounded permissible investigation":"Retain gates in worksheet"},"raw_table_index":12,"coordinator_acceptance":"first_scoped_review_complete_bounded_precision_correction_and_parent_holds_open","coordinator_review":"[internal evidence reference]"},{"topic":"Q1 — Lease versus credit sale","researcher_record":{"Assigned subquestion or major branch":"Q1 — Lease versus credit sale","Status and claim/example links":"Answered/Unresolved. C006; E01","Exact missing authority or facts":"Complete ownership, consideration, and termination terms","Next bounded permissible investigation":"Public generic form only if needed to illustrate classification"},"raw_table_index":12,"coordinator_acceptance":"first_scoped_review_complete_bounded_precision_correction_and_parent_holds_open","coordinator_review":"[internal evidence reference]"},{"topic":"Q1 — Financed purchase/direct loan","researcher_record":{"Assigned subquestion or major branch":"Q1 — Financed purchase/direct loan","Status and claim/example links":"Answered as distinction; excluded credit analysis. C007; E01","Exact missing authority or facts":"Actual loan/credit-sale classification and credit law","Next bounded permissible investigation":"Preserve vehicle-credit parent hold"},"raw_table_index":12,"coordinator_acceptance":"first_scoped_review_complete_bounded_precision_correction_and_parent_holds_open","coordinator_review":"[internal evidence reference]"},{"topic":"Q1 — Consumer purpose","researcher_record":{"Assigned subquestion or major branch":"Q1 — Consumer purpose","Status and claim/example links":"Answered/Unresolved. C002; E03","Exact missing authority or facts":"Purpose before/at consummation","Next bounded permissible investigation":"Retain blank; no purpose decision"},"raw_table_index":12,"coordinator_acceptance":"first_scoped_review_complete_bounded_precision_correction_and_parent_holds_open","coordinator_review":"[internal evidence reference]"},{"topic":"Q1 — Personal property and motor vehicle","researcher_record":{"Assigned subquestion or major branch":"Q1 — Personal property and motor vehicle","Status and claim/example links":"Answered/Unresolved. C003","Exact missing authority or facts":"Situs and applicable classification law","Next bounded permissible investigation":"Preserve state/property hold"},"raw_table_index":12,"coordinator_acceptance":"first_scoped_review_complete_bounded_precision_correction_and_parent_holds_open","coordinator_review":"[internal evidence reference]"},{"topic":"Q1 — Initial term and short rental","researcher_record":{"Assigned subquestion or major branch":"Q1 — Initial term and short rental","Status and claim/example links":"Answered/Unresolved. C004; E02","Exact missing authority or facts":"Initial obligation and continuation penalty","Next bounded permissible investigation":"Retain exact term/penalty fields"},"raw_table_index":12,"coordinator_acceptance":"first_scoped_review_complete_bounded_precision_correction_and_parent_holds_open","coordinator_review":"[internal evidence reference]"},{"topic":"Q1 — Organization and guarantor exclusions","researcher_record":{"Assigned subquestion or major branch":"Q1 — Organization and guarantor exclusions","Status and claim/example links":"Answered/Unresolved. C005, C011; E15","Exact missing authority or facts":"Contracting capacity and actual roles","Next bounded permissible investigation":"Retain role fields"},"raw_table_index":12,"coordinator_acceptance":"first_scoped_review_complete_bounded_precision_correction_and_parent_holds_open","coordinator_review":"[internal evidence reference]"},{"topic":"Q1 — Total contractual obligation","researcher_record":{"Assigned subquestion or major branch":"Q1 — Total contractual obligation","Status and claim/example links":"Answered/Unresolved. C008; E04","Exact missing authority or facts":"Included/excluded contractual amounts","Next bounded permissible investigation":"No amount computation"},"raw_table_index":12,"coordinator_acceptance":"first_scoped_review_complete_bounded_precision_correction_and_parent_holds_open","coordinator_review":"[internal evidence reference]"},{"topic":"Q1 — Actual annual threshold","researcher_record":{"Assigned subquestion or major branch":"Q1 — Actual annual threshold","Status and claim/example links":"Answered for 2026. C009","Exact missing authority or facts":"Actual consummation year","Next bounded permissible investigation":"Use the year-specific published rule if a later bounded assignment requires another year"},"raw_table_index":12,"coordinator_acceptance":"first_scoped_review_complete_bounded_precision_correction_and_parent_holds_open","coordinator_review":"[internal evidence reference]"},{"topic":"Q1 — Transition and continuing exemption","researcher_record":{"Assigned subquestion or major branch":"Q1 — Transition and continuing exemption","Status and claim/example links":"Answered/Unresolved. C010","Exact missing authority or facts":"Original coverage and whether later transaction is genuinely new","Next bounded permissible investigation":"Keep continuation/replacement separate"},"raw_table_index":12,"coordinator_acceptance":"first_scoped_review_complete_bounded_precision_correction_and_parent_holds_open","coordinator_review":"[internal evidence reference]"},{"topic":"Q1 — Lessor frequency and lessee status","researcher_record":{"Assigned subquestion or major branch":"Q1 — Lessor frequency and lessee status","Status and claim/example links":"Answered/Unresolved. C011","Exact missing authority or facts":"Frequency and actual contractual role","Next bounded permissible investigation":"No actor/roster inquiry"},"raw_table_index":12,"coordinator_acceptance":"first_scoped_review_complete_bounded_precision_correction_and_parent_holds_open","coordinator_review":"[internal evidence reference]"},{"topic":"Q1 — Arranger and assignee","researcher_record":{"Assigned subquestion or major branch":"Q1 — Arranger and assignee","Status and claim/example links":"Answered/Unresolved. C012–C013","Exact missing authority or facts":"Compensation, preparation, substantial involvement","Next bounded permissible investigation":"Retain role predicates; no opinion expansion necessary now"},"raw_table_index":12,"coordinator_acceptance":"first_scoped_review_complete_bounded_precision_correction_and_parent_holds_open","coordinator_review":"[internal evidence reference]"},{"topic":"Q1 — Auto-dealer exclusion/exceptions","researcher_record":{"Assigned subquestion or major branch":"Q1 — Auto-dealer exclusion/exceptions","Status and claim/example links":"Answered/Unresolved. C014; E19","Exact missing authority or facts":"Statutory dealer and functional conditions","Next bounded permissible investigation":"No license/entity query"},"raw_table_index":12,"coordinator_acceptance":"first_scoped_review_complete_bounded_precision_correction_and_parent_holds_open","coordinator_review":"[internal evidence reference]"},{"topic":"Q1 — Continuing Board part 213","researcher_record":{"Assigned subquestion or major branch":"Q1 — Continuing Board part 213","Status and claim/example links":"Answered; annual-edition gap retained. C015","Exact missing authority or facts":"2026 annual part 213 body unavailable","Next bounded permissible investigation":"Reattempt only a lawful public official source if necessary"},"raw_table_index":12,"coordinator_acceptance":"first_scoped_review_complete_bounded_precision_correction_and_parent_holds_open","coordinator_review":"[internal evidence reference]"},{"topic":"Q1 — Incidental real-property/service exclusions","researcher_record":{"Assigned subquestion or major branch":"Q1 — Incidental real-property/service exclusions","Status and claim/example links":"Answered as conditions. C016","Exact missing authority or facts":"Whether any actual arrangement meets them","Next bounded permissible investigation":"Preserve other-asset/real-property hold"},"raw_table_index":12,"coordinator_acceptance":"first_scoped_review_complete_bounded_precision_correction_and_parent_holds_open","coordinator_review":"[internal evidence reference]"},{"topic":"Q1 — Geographic scope","researcher_record":{"Assigned subquestion or major branch":"Q1 — Geographic scope","Status and claim/example links":"Answered at comment level; broader law excluded. C017","Exact missing authority or facts":"Branch, residence, choice-of-law facts","Next bounded permissible investigation":"Preserve country/tribal/international hold"},"raw_table_index":12,"coordinator_acceptance":"first_scoped_review_complete_bounded_precision_correction_and_parent_holds_open","coordinator_review":"[internal evidence reference]"},{"topic":"Q2 — Complete statutory reasonableness standard","researcher_record":{"Assigned subquestion or major branch":"Q2 — Complete statutory reasonableness standard","Status and claim/example links":"Answered. C019; E09","Exact missing authority or facts":"Actual charge and evidentiary justification","Next bounded permissible investigation":"No actual reasonableness determination"},"raw_table_index":12,"coordinator_acceptance":"first_scoped_review_complete_bounded_precision_correction_and_parent_holds_open","coordinator_review":"[internal evidence reference]"},{"topic":"Q2 — Both parties’ early-termination conditions","researcher_record":{"Assigned subquestion or major branch":"Q2 — Both parties’ early-termination conditions","Status and claim/example links":"Answered. C018, C020; E05","Exact missing authority or facts":"Agreed termination rights and conditions","Next bounded permissible investigation":"Retain contract field"},"raw_table_index":12,"coordinator_acceptance":"first_scoped_review_complete_bounded_precision_correction_and_parent_holds_open","coordinator_review":"[internal evidence reference]"},{"topic":"Q2 — Default/delinquency disclosure","researcher_record":{"Assigned subquestion or major branch":"Q2 — Default/delinquency disclosure","Status and claim/example links":"Answered. C021","Exact missing authority or facts":"Actual charge classification","Next bounded permissible investigation":"Retain charge categories"},"raw_table_index":12,"coordinator_acceptance":"first_scoped_review_complete_bounded_precision_correction_and_parent_holds_open","coordinator_review":"[internal evidence reference]"},{"topic":"Q2 — Default triggering early termination","researcher_record":{"Assigned subquestion or major branch":"Q2 — Default triggering early termination","Status and claim/example links":"Answered. C022; E06","Exact missing authority or facts":"Actual trigger and disclosure package","Next bounded permissible investigation":"Keep both provisions in audit"},"raw_table_index":12,"coordinator_acceptance":"first_scoped_review_complete_bounded_precision_correction_and_parent_holds_open","coordinator_review":"[internal evidence reference]"},{"topic":"Q2 — Vehicle early-termination warning","researcher_record":{"Assigned subquestion or major branch":"Q2 — Vehicle early-termination warning","Status and claim/example links":"Answered. C023","Exact missing authority or facts":"Actual supplied warning/presentation","Next bounded permissible investigation":"No unseen-form compliance finding"},"raw_table_index":12,"coordinator_acceptance":"first_scoped_review_complete_bounded_precision_correction_and_parent_holds_open","coordinator_review":"[internal evidence reference]"},{"topic":"Q2 — Collection-cost exception","researcher_record":{"Assigned subquestion or major branch":"Q2 — Collection-cost exception","Status and claim/example links":"Answered. C024; E17","Exact missing authority or facts":"Automatic versus contingent trigger","Next bounded permissible investigation":"Keep disclosure and fee entitlement separate"},"raw_table_index":12,"coordinator_acceptance":"first_scoped_review_complete_bounded_precision_correction_and_parent_holds_open","coordinator_review":"[internal evidence reference]"},{"topic":"Q2 — Simple-interest and extension charges","researcher_record":{"Assigned subquestion or major branch":"Q2 — Simple-interest and extension charges","Status and claim/example links":"Answered. C025–C026; E18","Exact missing authority or facts":"Accounting terms and charge/rate","Next bounded permissible investigation":"No calculation"},"raw_table_index":12,"coordinator_acceptance":"first_scoped_review_complete_bounded_precision_correction_and_parent_holds_open","coordinator_review":"[internal evidence reference]"},{"topic":"Q2 — Cancellation, cure, acceleration, repossession","researcher_record":{"Assigned subquestion or major branch":"Q2 — Cancellation, cure, acceleration, repossession","Status and claim/example links":"Federal disclosure boundary answered; rights unresolved/excluded. C027","Exact missing authority or facts":"Contract and other federal/state authority","Next bounded permissible investigation":"Preserve parent enforcement holds"},"raw_table_index":12,"coordinator_acceptance":"first_scoped_review_complete_bounded_precision_correction_and_parent_holds_open","coordinator_review":"[internal evidence reference]"},{"topic":"Q3 — Named-method allowance","researcher_record":{"Assigned subquestion or major branch":"Q3 — Named-method allowance","Status and claim/example links":"Answered. C028; E07","Exact missing authority or facts":"Actual method incorporation and total-charge relationship","Next bounded permissible investigation":"Generic public method/contract only if needed"},"raw_table_index":12,"coordinator_acceptance":"first_scoped_review_complete_bounded_precision_correction_and_parent_holds_open","coordinator_review":"[internal evidence reference]"},{"topic":"Q3 — Written explanation and timing","researcher_record":{"Assigned subquestion or major branch":"Q3 — Written explanation and timing","Status and claim/example links":"Answered. C029–C030; E08","Exact missing authority or facts":"Request/response timing and content","Next bounded permissible investigation":"No actual deadline calculation"},"raw_table_index":12,"coordinator_acceptance":"first_scoped_review_complete_bounded_precision_correction_and_parent_holds_open","coordinator_review":"[internal evidence reference]"},{"topic":"Q3 — Actuarial/constant-yield equation","researcher_record":{"Assigned subquestion or major branch":"Q3 — Actuarial/constant-yield equation","Status and claim/example links":"Unresolved and unnecessary to instantiate. C031","Exact missing authority or facts":"Actual incorporated equation and assumptions","Next bounded permissible investigation":"Do not invent a calculator or equivalence"},"raw_table_index":12,"coordinator_acceptance":"first_scoped_review_complete_bounded_precision_correction_and_parent_holds_open","coordinator_review":"[internal evidence reference]"},{"topic":"Q3 — Balance versus payment calculation","researcher_record":{"Assigned subquestion or major branch":"Q3 — Balance versus payment calculation","Status and claim/example links":"Answered distinction. C032, C036","Exact missing authority or facts":"Actual balance variables/credits","Next bounded permissible investigation":"Preserve formula/application hold"},"raw_table_index":12,"coordinator_acceptance":"first_scoped_review_complete_bounded_precision_correction_and_parent_holds_open","coordinator_review":"[internal evidence reference]"},{"topic":"Q3 — Capitalized-cost itemization request","researcher_record":{"Assigned subquestion or major branch":"Q3 — Capitalized-cost itemization request","Status and claim/example links":"Answered. C033","Exact missing authority or facts":"Request and delivery facts","Next bounded permissible investigation":"Keep separate from method request"},"raw_table_index":12,"coordinator_acceptance":"first_scoped_review_complete_bounded_precision_correction_and_parent_holds_open","coordinator_review":"[internal evidence reference]"},{"topic":"Q3 — Ordinary charges and purchase option","researcher_record":{"Assigned subquestion or major branch":"Q3 — Ordinary charges and purchase option","Status and claim/example links":"Answered. C034–C035","Exact missing authority or facts":"Actual option, price/method, ordinary charges","Next bounded permissible investigation":"Preserve contract/state hold"},"raw_table_index":12,"coordinator_acceptance":"first_scoped_review_complete_bounded_precision_correction_and_parent_holds_open","coordinator_review":"[internal evidence reference]"},{"topic":"Q3 — Realized value alternatives/adjustments","researcher_record":{"Assigned subquestion or major branch":"Q3 — Realized value alternatives/adjustments","Status and claim/example links":"Answered. C037–C038; E11","Exact missing authority or facts":"Sale/offer/FMV facts; agreed basis","Next bounded permissible investigation":"No vehicle-value or disposition-record inquiry"},"raw_table_index":12,"coordinator_acceptance":"first_scoped_review_complete_bounded_precision_correction_and_parent_holds_open","coordinator_review":"[internal evidence reference]"},{"topic":"Q3 — Open/closed-end and conditional liability","researcher_record":{"Assigned subquestion or major branch":"Q3 — Open/closed-end and conditional liability","Status and claim/example links":"Answered. C039–C040; E10","Exact missing authority or facts":"Actual end-liability allocation","Next bounded permissible investigation":"No immediate-debt conclusion"},"raw_table_index":12,"coordinator_acceptance":"first_scoped_review_complete_bounded_precision_correction_and_parent_holds_open","coordinator_review":"[internal evidence reference]"},{"topic":"Q3 — Appraisal right and exceptions","researcher_record":{"Assigned subquestion or major branch":"Q3 — Appraisal right and exceptions","Status and claim/example links":"Answered. C041–C044; E16","Exact missing authority or facts":"Actual trigger, valuation basis, agreed professional, timing","Next bounded permissible investigation":"Preserve blank appraisal fields"},"raw_table_index":12,"coordinator_acceptance":"first_scoped_review_complete_bounded_precision_correction_and_parent_holds_open","coordinator_review":"[internal evidence reference]"},{"topic":"Q3 — Ordinary-expiration residual protections","researcher_record":{"Assigned subquestion or major branch":"Q3 — Ordinary-expiration residual protections","Status and claim/example links":"Answered. C045–C050; E10","Exact missing authority or facts":"Estimate, realization, wear/use causation, event type","Next bounded permissible investigation":"No court filing/remedy advice"},"raw_table_index":12,"coordinator_acceptance":"first_scoped_review_complete_bounded_precision_correction_and_parent_holds_open","coordinator_review":"[internal evidence reference]"},{"topic":"Q3 — Other-asset residual cross-reference","researcher_record":{"Assigned subquestion or major branch":"Q3 — Other-asset residual cross-reference","Status and claim/example links":"Boundary answered; broader component excluded. C051","Exact missing authority or facts":"Other asset’s complete legal framework","Next bounded permissible investigation":"Preserve other-asset financing"},"raw_table_index":12,"coordinator_acceptance":"first_scoped_review_complete_bounded_precision_correction_and_parent_holds_open","coordinator_review":"[internal evidence reference]"},{"topic":"Q4 — Timing/form/clear conspicuousness","researcher_record":{"Assigned subquestion or major branch":"Q4 — Timing/form/clear conspicuousness","Status and claim/example links":"Answered. C052","Exact missing authority or facts":"Actual formation/delivery/presentation","Next bounded permissible investigation":"No unseen-document compliance finding"},"raw_table_index":12,"coordinator_acceptance":"first_scoped_review_complete_bounded_precision_correction_and_parent_holds_open","coordinator_review":"[internal evidence reference]"},{"topic":"Q4 — Exact segregation and multiple parties","researcher_record":{"Assigned subquestion or major branch":"Q4 — Exact segregation and multiple parties","Status and claim/example links":"Answered. C053–C054","Exact missing authority or facts":"Actual package and recipient status","Next bounded permissible investigation":"Retain presentation/role fields"},"raw_table_index":12,"coordinator_acceptance":"first_scoped_review_complete_bounded_precision_correction_and_parent_holds_open","coordinator_review":"[internal evidence reference]"},{"topic":"Q4 — Language/model/additional information","researcher_record":{"Assigned subquestion or major branch":"Q4 — Language/model/additional information","Status and claim/example links":"Answered. C055–C056","Exact missing authority or facts":"Actual request and form use","Next bounded permissible investigation":"Pixel review only if a later authorized generic form review needs it"},"raw_table_index":12,"coordinator_acceptance":"first_scoped_review_complete_bounded_precision_correction_and_parent_holds_open","coordinator_review":"[internal evidence reference]"},{"topic":"Q4 — Estimates and later events","researcher_record":{"Assigned subquestion or major branch":"Q4 — Estimates and later events","Status and claim/example links":"Answered. C057–C058","Exact missing authority or facts":"Reasonable-effort evidence and subsequent event","Next bounded permissible investigation":"No valuation inquiry"},"raw_table_index":12,"coordinator_acceptance":"first_scoped_review_complete_bounded_precision_correction_and_parent_holds_open","coordinator_review":"[internal evidence reference]"},{"topic":"Q4 — Electronic delivery/consent","researcher_record":{"Assigned subquestion or major branch":"Q4 — Electronic delivery/consent","Status and claim/example links":"Answered framework; application unresolved. C059–C060; E13","Exact missing authority or facts":"Consent/access/withdrawal/retention facts","Next bounded permissible investigation":"Retain electronic-delivery fields"},"raw_table_index":12,"coordinator_acceptance":"first_scoped_review_complete_bounded_precision_correction_and_parent_holds_open","coordinator_review":"[internal evidence reference]"},{"topic":"Q4 — Renegotiation and initial coverage","researcher_record":{"Assigned subquestion or major branch":"Q4 — Renegotiation and initial coverage","Status and claim/example links":"Answered. C061, C065; E12","Exact missing authority or facts":"Satisfaction/replacement under applicable law","Next bounded permissible investigation":"Do not equate continuation with a new contract"},"raw_table_index":12,"coordinator_acceptance":"first_scoped_review_complete_bounded_precision_correction_and_parent_holds_open","coordinator_review":"[internal evidence reference]"},{"topic":"Q4 — Extension timing and all six exceptions","researcher_record":{"Assigned subquestion or major branch":"Q4 — Extension timing and all six exceptions","Status and claim/example links":"Answered. C062–C063; E12","Exact missing authority or facts":"Durations and exception predicates","Next bounded permissible investigation":"No actual calendar computation"},"raw_table_index":12,"coordinator_acceptance":"first_scoped_review_complete_bounded_precision_correction_and_parent_holds_open","coordinator_review":"[internal evidence reference]"},{"topic":"Q4 — Assumption","researcher_record":{"Assigned subquestion or major branch":"Q4 — Assumption","Status and claim/example links":"Answered disclosure rule only. C064","Exact missing authority or facts":"Release/assignment/fee enforceability","Next bounded permissible investigation":"Preserve contract/state holds"},"raw_table_index":12,"coordinator_acceptance":"first_scoped_review_complete_bounded_precision_correction_and_parent_holds_open","coordinator_review":"[internal evidence reference]"},{"topic":"Q4 — Necessary advertising cross-reference","researcher_record":{"Assigned subquestion or major branch":"Q4 — Necessary advertising cross-reference","Status and claim/example links":"Answered rule/text comparison; campaign compliance excluded. C066–C070","Exact missing authority or facts":"Actual medium, wording, availability; complete historical reconciliation if consequential","Next bounded permissible investigation":"No ad creation/publication; further generic rule history only if necessary"},"raw_table_index":12,"coordinator_acceptance":"first_scoped_review_complete_bounded_precision_correction_and_parent_holds_open","coordinator_review":"[internal evidence reference]"},{"topic":"Q4 — Final-rule dates/history","researcher_record":{"Assigned subquestion or major branch":"Q4 — Final-rule dates/history","Status and claim/example links":"Answered within selected reads. S009–S011; C073","Exact missing authority or facts":"Complete intervening amendment history","Next bounded permissible investigation":"Official section-history/annual-CFR follow-up only"},"raw_table_index":12,"coordinator_acceptance":"first_scoped_review_complete_bounded_precision_correction_and_parent_holds_open","coordinator_review":"[internal evidence reference]"},{"topic":"Q4 — Current official codification","researcher_record":{"Assigned subquestion or major branch":"Q4 — Current official codification","Status and claim/example links":"Partial. S008, S013–S016","Exact missing authority or facts":"Unretrieved 2026 annual editions/eCFR; post-compilation session-law audit","Next bounded permissible investigation":"Preserve explicit currentness gap"},"raw_table_index":12,"coordinator_acceptance":"first_scoped_review_complete_bounded_precision_correction_and_parent_holds_open","coordinator_review":"[internal evidence reference]"},{"topic":"Q4 — Guidance withdrawal","researcher_record":{"Assigned subquestion or major branch":"Q4 — Guidance withdrawal","Status and claim/example links":"Excluded as unnecessary","Exact missing authority or facts":"No circular/bulletin/advisory relied upon","Next bounded permissible investigation":"Check official register only if such guidance is later relied upon"},"raw_table_index":12,"coordinator_acceptance":"first_scoped_review_complete_bounded_precision_correction_and_parent_holds_open","coordinator_review":"[internal evidence reference]"},{"topic":"Q4 — Published opinions","researcher_record":{"Assigned subquestion or major branch":"Q4 — Published opinions","Status and claim/example links":"Excluded as unnecessary","Exact missing authority or facts":"No consequential opinion relied upon","Next bounded permissible investigation":"No case-record or docket search"},"raw_table_index":12,"coordinator_acceptance":"first_scoped_review_complete_bounded_precision_correction_and_parent_holds_open","coordinator_review":"[internal evidence reference]"},{"topic":"Q5 — Provision comparison and blank audit","researcher_record":{"Assigned subquestion or major branch":"Q5 — Provision comparison and blank audit","Status and claim/example links":"Answered as generic tools","Exact missing authority or facts":"All actual application fields remain blank","Next bounded permissible investigation":"Retain as generic worksheet"},"raw_table_index":12,"coordinator_acceptance":"first_scoped_review_complete_bounded_precision_correction_and_parent_holds_open","coordinator_review":"[internal evidence reference]"},{"topic":"Q5 — Required failure branches","researcher_record":{"Assigned subquestion or major branch":"Q5 — Required failure branches","Status and claim/example links":"Answered: E01–E19","Exact missing authority or facts":"No actual facts assumed","Next bounded permissible investigation":"Use only as qualitative analytical examples"},"raw_table_index":12,"coordinator_acceptance":"first_scoped_review_complete_bounded_precision_correction_and_parent_holds_open","coordinator_review":"[internal evidence reference]"},{"topic":"Q5 — Avoided costs/mitigation/reletting","researcher_record":{"Assigned subquestion or major branch":"Q5 — Avoided costs/mitigation/reletting","Status and claim/example links":"Answered as inference boundary. C072","Exact missing authority or facts":"Any actual contract/state duty and supporting facts","Next bounded permissible investigation":"Preserve state/contract gap"},"raw_table_index":12,"coordinator_acceptance":"first_scoped_review_complete_bounded_precision_correction_and_parent_holds_open","coordinator_review":"[internal evidence reference]"},{"topic":"Q5 — State enforceability and remedies","researcher_record":{"Assigned subquestion or major branch":"Q5 — State enforceability and remedies","Status and claim/example links":"Federal boundary answered; substantive application excluded. C071–C073; E14","Exact missing authority or facts":"Applicable state law, actual claim/remedy prerequisites","Next bounded permissible investigation":"Separately bounded published-law component only"},"raw_table_index":12,"coordinator_acceptance":"first_scoped_review_complete_bounded_precision_correction_and_parent_holds_open","coordinator_review":"[internal evidence reference]"},{"topic":"Parent — Other A015 dimensions and acceptance","researcher_record":{"Assigned subquestion or major branch":"Parent — Other A015 dimensions and acceptance","Status and claim/example links":"Excluded/preserved","Exact missing authority or facts":"Complete parent work remains outstanding","Next bounded permissible investigation":"No parent/component/operations/publication acceptance"},"raw_table_index":12,"coordinator_acceptance":"first_scoped_review_complete_bounded_precision_correction_and_parent_holds_open","coordinator_review":"[internal evidence reference]"}],"annotations":{"at":"2026-10-27T23:45:27.205009+00:00","review":"[internal evidence reference]","first_scoped_review_complete":true,"whole_text_and_all_tables_reviewed":true,"disposition":"revise_rent_charge_unit_and_comment_pinpoints","material_correction_required":true,"material_correction_resolved":false,"affected_claims":["R015-P1-C025","R015-P1-C026","R015-P1-C034","R015-P1-C035","R015-P1-C063"],"raw_originals_unchanged":true,"independent_review":false,"all_parent_holds_preserved":true},"corrections":[],"resolved_corrections":[],"review_history":[{"id":"R015-P01-rent-charge-unit-pinpoints-and-application-holds-20261027","status":null,"at":null}]}