{"meta":{"key":"r015--pass-02","task":"R015","title":"Bounded rent-charge unit and comment-pinpoint correction","parent_title":"Vehicle and asset financing","edition":"pass-02","path":"/research/r015--pass-02/","kind":"split_pass","category":"subject","role":"primary_area","area_numbers":[15],"groups":["debt-types"],"date":"2026-10-28","tables":10,"claims":23,"sources":5,"review_status":"accepted_with_limits","review_complete":true,"sha256":"4cf41edf05e8323656eaa57d1e736c9492b798418a04834b8f938032014b1e20","headings":["Bounded rent-charge unit and comment-pinpoint correction","1. Source table and precise read boundaries","2. Corrected atomic-claim table","3. Five complete replacement claim rows","4. Exact comment-to-proposition map","5. Issue → original row → dependent replacement/effect","6. Bounded blank-worksheet replacements","7. Revised original examples and bounded qualitative checks","8. Granular coverage of all four requests and dependencies","9. Read/failure log","10. Self-check — not independent review","11. Preserved holds and correction boundary"],"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-02","facets":{"geography":["us"],"debt_type":[],"stage":[],"subject":["interest-charges-math"]},"scope":"Bounded original-chat rent-charge unit and five-row comment-pinpoint precision only","pending_corrections":0},"markdown":"# SettleADebt R015 PASS-02\n\n## Bounded rent-charge unit and comment-pinpoint correction\n\n**The supplied corrections are confirmed by fresh primary-source reads.** PASS-01 used an overbroad unit in C025, C026, and C063: the relevant provisions say **rent charge**, a distinct component, rather than rent or the periodic payment generally. C034’s disposition/pickup examples belong to **comment 4(d)-5**, with optional/location-dependent disposition charges addressed in **4(d)-6**. C035’s purchase-option price-certainty proposition belongs to **comment 4(i)-5**. [Consumer Financial Protection Bureau+4](https://www.consumerfinance.gov/rules-policy/regulations/1013/4/?utm_source=chatgpt.com)\n\nThis addendum supplies replacements for those five claims and their bounded dependencies. **The original raw answer remains the original record.** The supplied response provenance, capture information, character count, and coordinator-review description are treated as supplied context—not as proof that I accessed a saved file or independently reviewed the entire original answer.\n\n**Actual verification date:** October 27, 2026, America/Los_Angeles. The last research clock check was **17:07:50 PDT**, corresponding to October 28, 2026, **00:07:50 UTC**. All fresh accesses below occurred on that Los Angeles date.\n\nNo numerical model, actual charge calculation, contract determination, or new legal deadline is included.\n\n## 1. Source table and precise read boundaries\n\n**Status convention:** “Current agency presentation” describes what the CFPB webpage publishes and labels current. It does not establish a complete intervening amendment or litigation-history audit. “Historical annual codification” describes the 2025 annual CFR, not a 2026 edition.\n\nAll sources concern **United States federal law**. Sections, commentary pages, and annual-CFR presentations of the same Regulation M provisions are grouped as the same authority family, not counted as independent legal corroboration.\n\n| Source ID | Issuer/title and complete literal HTTPS URLs | Fresh read bounds and pinpoint information | Version, effectiveness, access, and currentness limits |\n| --- | --- | --- | --- |\n| **R015-P2-S001** | **CFPB — §1013.4, Content of disclosures; Supplement I commentary to §1013.4**. [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) | Fresh complete material reads: §4(d) and comments **4(d)-1–6**; §4(f)(6), with necessary surrounding **§4(f)(5), (7)–(11)**; §4(i), including (1)–(2), and comments **4(i)-1–5**; §4(q) and complete comments **4(q)-3–5**. Comment 4(q)-2 was also read to preserve the default/early-termination dependency. HTML; printed page/PDF index not applicable. | Accessed **2026-10-27 PDT**. Pages label the presentation current. Section 4 applies to consumer leases subject to the part. This pass does not independently establish the original effective date of every clause or a complete amendment history. Integrated and standalone commentary are two presentations of the same official interpretations. [Consumer Financial Protection Bureau+6](https://www.consumerfinance.gov/rules-policy/regulations/1013/4/?utm_source=chatgpt.com) |\n| **R015-P2-S002** | **CFPB — §1013.5, Renegotiations, extensions, and assumptions; Supplement I commentary to §1013.5**. [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) | Fresh complete §5(a)–(d), including the introductory language and **all six §5(d)(1)–(6) exceptions**. Fresh **comment 5-1** establishes existing-covered-lease scope. The displayed extension/renegotiation comments were read for dependency context; no numerical example was adopted. HTML. | Accessed **2026-10-27 PDT**; labeled current. The exceptions operate even where the event meets the definition of renegotiation or extension. Existing coverage, transaction classification, and exception predicates remain necessary. No transaction-specific redisclosure conclusion. [Consumer Financial Protection Bureau+1](https://www.consumerfinance.gov/rules-policy/regulations/1013/5/?utm_source=chatgpt.com) |\n| **R015-P2-S003** | **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**: §4(d), printed **pp.507–508**, zero-based PDF indices **2–3**; §4(f)(5)–(11), **p.508/index3**; §4(i), **p.509/index4**; §4(q), **pp.509–510/indices4–5**; §5(a)–(d), **p.510/index5**. Commentary: **4(d)-1–6, pp.524–525/indices19–20**; **4(i)-1–5, p.526/index21**; **4(q)-2–5 and 5-1, p.528/index23**. | **January 1, 2025 annual edition**, accessed **2026-10-27 PDT**. The selected words and comment numbers agree with the current agency presentation on this correction. Historical codification only; no inference that the entire part is unchanged through the verification date. **No pixels, full-form review, or whole-PDF review claimed.** [govinfo.gov+4](https://www.govinfo.gov/content/pkg/CFR-2025-title12-vol8/pdf/CFR-2025-title12-vol8-part1013.pdf?utm_source=chatgpt.com) |\n| **R015-P2-S004** | **CFPB — Regulation M index and publisher notice**. [https://www.consumerfinance.gov/rules-policy/regulations/1013/](https://www.consumerfinance.gov/rules-policy/regulations/1013/?utm_source=chatgpt.com) | Fresh metadata read: “Most recently amended Jan. 1, 2026” and the notice distinguishing the resource from official legal editions of the CFR/Federal Register. HTML. | Accessed **2026-10-27 PDT**. This is publication metadata, **not proof that the corrected clauses themselves became effective January 1, 2026**, and not a complete section-history audit. [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/rules-policy/regulations/1013/?utm_source=chatgpt.com) |\n| **R015-P2-S005** | **Carried-forward unavailable official routes; not retried in PASS-02**. [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) [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) [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) | **No PASS-02 body read or access attempt.** These identify the original eCFR/2026 annual-edition retrieval holds. | Original failures remain failures as recorded in PASS-01; this correction does not resolve them. No access-gate workaround, no inference of nonexistence, and no fresh part 213 counterpart verification. |\n\n**Verification result:** I found no substantive difference between the supplied correction observations and the specified bodies freshly read here. The differences requiring correction are in the PASS-01 terminology and pinpoints. The selected 2025 annual text supplies a historical textual check, not a new currentness certification.\n\n## 2. Corrected atomic-claim table\n\nReferences such as **S001** below mean **R015-P2-S001**.\n**R** = regulation; **I** = official interpretation; **INF** = expressly identified inference; **U** = unresolved limit.\n\n| Claim ID | Precise corrected claim | Exact source pinpoint | Trigger, conditions, exceptions, and limits |\n| --- | --- | --- | --- |\n| **R015-P2-C001** | The **rent charge** is a separately identified component of the motor-vehicle payment calculation. | S001 §1013.4(f)(6), with (5), (7), (9)–(11); S003 p.508/index3 | **R.** Section 4(f)(6) identifies the difference between total base periodic payments over the lease term and depreciation plus any amortized amounts. Base and total periodic payments are separately described. “Rent charge” is therefore not interchangeable with the entire periodic payment or every financing-related cost. |\n| **R015-P2-C002** | In a simple-interest accounting lease, additional rent charge accruing on the lease balance because a periodic payment is made after its due date is not a penalty or other late-payment charge under the comment. | S001 comment **4(q)-3**, first sentence; S003 p.528/index23 | **I.** Preserve the specified accounting method, lease-balance accrual, and late-payment cause. The higher-rate qualification in C004 must also be applied. |\n| **R015-P2-C003** | Continued accrual of the rent charge after termination because the lessee fails to return the property is not characterized as a default charge under the same comment. | S001 comment **4(q)-3**, second sentence; S003 p.528/index23 | **I.** This is the specified nonreturn scenario, not a universal classification of every post-termination amount. C004 remains relevant. |\n| **R015-P2-C004** | In either C002 or C003, an additional charge accruing at a rate higher than the normal rent charge requires disclosure of its amount or determining method under §4(q). | S001 comment **4(q)-3**, final sentence; S003 p.528/index23 | **I.** The comparison concerns the normal rent-charge accrual rate. It is not a comparison against the entire periodic-payment amount. No actual rate or lawful charge is determined. |\n| **R015-P2-C005** | Extension charges that exceed the rent charge in a simple-interest accounting lease **or** are added separately are disclosed under §4(q). | S001 comment **4(q)-4**; S003 p.528/index23 | **I.** Preserve both stated alternatives. Do not turn “or” into a requirement that a separately added charge also exceed rent charge or the total periodic payment. |\n| **R015-P2-C006** | The charge-reasonableness boundary remains intact. | S001 §4(q), comment **4(q)-5**; S003 pp.509–510 and p.528 | **R/I.** The comment restates the statutory considerations: anticipated or actual harm from the event, difficulties proving loss, and inconvenience or nonfeasibility of otherwise obtaining an adequate remedy. Disclosure classification does not decide substantive lawfulness. |\n| **R015-P2-C007** | Section 5 applies to existing leases covered by Regulation M; renegotiation and extension have their own predicates. | S002 §5(a)–(b), **comment 5-1**; S003 p.510 and p.528 | **R/I.** Satisfaction/replacement is determined under state or other applicable law. Comment 5-1 excludes renegotiation/extension of initially four-month-or-shorter leases from §5. No actual classification is made. |\n| **R015-P2-C008** | Section 5(d)(1) exempts a **reduction in the rent charge** from new disclosures, even if the change meets the renegotiation/extension definition. | S002 §5(d) introductory text and **(d)(1)**; S003 p.510/index5 | **R; limited INF.** A lower periodic payment alone does not establish this particular predicate, because the payment includes distinct components. Failure to establish this exception alone also does not establish that new disclosures are required. |\n| **R015-P2-C009** | Deferment of one or more payments is a specified new-disclosure exception, whether or not a fee is charged. | S002 **§5(d)(2)**; S003 p.510/index5 | **R.** This preserves the exact fee/no-fee condition; it does not approve the fee. |\n| **R015-P2-C010** | An extension of no more than six months, month-to-month or otherwise, is a specified exception. | S002 **§5(d)(3)**; S003 p.510/index5 | **R.** Existing coverage and the actual extension remain necessary; no actual calendar calculation. |\n| **R015-P2-C011** | Substituting property of substantially equivalent or greater economic value is a specified exception **provided no other lease terms change**. | S002 **§5(d)(4)**; S003 p.510/index5 | **R.** Both the value condition and the no-other-term-change condition must be preserved. |\n| **R015-P2-C012** | Adding, deleting, or substituting property in a multiple-item lease is a specified exception if the **average periodic payment** changes by no more than 25 percent. | S002 **§5(d)(5)**; S003 p.510/index5 | **R.** The unit here remains average periodic payment. It must not be globally replaced by rent charge. The text addresses change, not only increases. |\n| **R015-P2-C013** | An agreement resulting from a court proceeding is the sixth specified exception. | S002 **§5(d)(6)**; S003 p.510/index5 | **R.** No proceeding, agreement, case record, or application is investigated. |\n| **R015-P2-C014** | A §4(q) charge-disclosure classification and a §5 new-disclosure determination are separate inquiries. | S001 comment 4(q)-4; S002 §5(a)–(d), comment 5-1 | **INF from the provisions’ distinct functions.** A separately added extension charge does not alone establish that an entirely new disclosure package is required. A §5 exception does not independently authorize that charge. |\n| **R015-P2-C015** | Section 4(d) addresses itemized other charges payable to the lessor that are outside periodic payments and anticipated in normal operation. | S001 §4(d), **comment 4(d)-1**; S003 pp.507–508, p.524/index19 | **R/I.** The potential residual/realized-value differential is excluded by §4(d)’s text and cross-reference to §4(k). Comment 1 also addresses disclosure when the lessor is unsure whether a fee belongs in this category. |\n| **R015-P2-C016** | The exclusions and allocation qualifications for §4(d) are in comments 2–4. | S001 **comments 4(d)-2–4**; S003 pp.524–525/indices19–20 | **I.** Comment 2 concerns late/default/early-termination/deferment/extension events; comment 3 concerns third-party collections; comment 4 concerns charges required elsewhere. These comments do not supply the disposition/pickup examples. |\n| **R015-P2-C017** | Scheduled-end disposition and pickup charges are the examples in **comment 4(d)-5**. | S001 **comment 4(d)-5**; S003 p.525/index20 | **I.** Corrects the supporting pinpoint. It does not establish any actual fee’s validity. |\n| **R015-P2-C018** | Optional/location-dependent disposition charges are addressed in **comment 4(d)-6**. | S001 **comment 4(d)-6**; S003 p.525/index20 | **I.** For the described normal-operation return-location choice, disclose the highest fee; a brief explanation may be added. If the lease treats an out-of-service-area return as default, the charge is not an “other charge” under this comment and may require §4(q) disclosure. |\n| **R015-P2-C019** | Purchase-option existence and an affirmative no-option disclosure have their own predicates. | S001 §4(i), **comments 4(i)-1–2**; S003 p.509 and p.526/index21 | **R/I.** Applicable law determines existence. The comment’s bid example requires both that the lessor need not accept the bid and that the lessee receives no preferential treatment. |\n| **R015-P2-C020** | Section 4(i)(1)–(2) separately specifies end-of-term and during-term purchase-option disclosures. | S001 **§4(i)(1)–(2)**; S003 p.509/index4 | **R.** End: purchase price. During term: price or method for determining it and when exercisable. No purchase right or actual price is created here. |\n| **R015-P2-C021** | Purchase-option price certainty is governed by **comment 4(i)-5**. | S001 **comment 4(i)-5**; S003 p.526/index21 | **I.** State a sum certain or a future sum certain determined through a readily available independent source, with enough information to determine the actual price when the option becomes available. Bare negotiated-price or fair-market-value labels do not satisfy that rule. |\n| **R015-P2-C022** | Purchase-option fees and exercise-related official fees/taxes are addressed in comments 3 and 4, respectively. | S001 **comments 4(i)-3–4**; S003 p.526/index21 | **I.** These are disclosure-allocation provisions, not the source of price certainty. Their complete alternatives are mapped below; no tax or fee-enforceability analysis is added. |\n| **R015-P2-C023** | The correction establishes the specified text and pinpoint repairs, not whole-answer or whole-source verification. | S001–S005 and this pass’s read log | **U.** Currentness, annual-edition, pixel, application, and parent holds remain. “Unchanged” below means unaffected by these corrections, not independently reapproved. |\n\nThe key distinction is between **the rent-charge component**, **its accrual rate**, **the periodic payment**, and **a separately added extension charge**. Those are not interchangeable units. [Consumer Financial Protection Bureau+3](https://www.consumerfinance.gov/rules-policy/regulations/1013/4/?utm_source=chatgpt.com)\n\n## 3. Five complete replacement claim rows\n\nThese are the bounded replacement texts for the supplied PASS-01 rows. The original claim identifiers are retained for traceability; fresh support is in the PASS-02 source and atomic-claim tables above.\n\n| Original row | Corrected precise claim and complete conditions/limits | Corrected source pinpoint and status |\n| --- | --- | --- |\n| **R015-P1-C025** | **Additional rent-charge accrual in a simple-interest accounting lease has the specific classification stated in comment 4(q)-3.** Additional rent charge accruing on the lease balance because a periodic payment is made after the due date does not constitute a penalty or other late-payment charge under that comment. Continued accrual of the rent charge after termination because the lessee fails to return the property does not constitute a default charge under the comment. **In either case, if the additional charge accrues at a rate higher than the normal rent charge, its amount or determining method must be disclosed under §1013.4(q).** These statements concern the rent-charge component and its accrual—not the entire periodic payment. They do not establish contractual authorization, substantive lawfulness, or compliance with every other disclosure requirement. Applicable reasonableness requirements remain preserved. | Original source family **R015-P1-S005**, **§1013.4(q), comment 4(q)-3**; component distinction **§4(f)(6)**; reasonableness **comment 4(q)-5**. Fresh verification: **P2-S001/S003; P2-C001–C004, C006. I/R.** |\n| **R015-P1-C026** | **Extension charges that exceed the rent charge in a simple-interest accounting lease, or that are added separately, are disclosed under §1013.4(q).** The first alternative uses the precise rent-charge component; the separately-added alternative must not be conditioned on also exceeding that component or the total periodic payment. This classification does not alone establish a duty to issue an entirely new disclosure package. Section 1013.5’s existing-covered-lease, renegotiation/extension, and exception conditions must be evaluated separately. Neither disclosure nor a new-disclosure exception independently authorizes the charge or resolves reasonableness. | Original **P1-S005, comment 4(q)-4**; related **§5(a)–(d), comment 5-1**; reasonableness **§4(q), comment 4(q)-5**. Fresh: **P2-S001–S003; P2-C005–C007, C014. I/R; limited functional inference.** |\n| **R015-P1-C063** | **Section 1013.5(d) contains six specified exceptions to new disclosures, even if the event meets the definition of renegotiation or extension:** **(1)** a reduction in the **rent charge**; **(2)** deferment of one or more payments, whether or not a fee is charged; **(3)** extension for not more than six months, month-to-month or otherwise; **(4)** substitution of property having substantially equivalent or greater economic value, provided no other lease terms change; **(5)** addition, deletion, or substitution of property in a multiple-item lease, provided the **average periodic payment** does not change by more than 25 percent; **(6)** an agreement resulting from a court proceeding. Section 5 applies only to existing covered leases. The first exception concerns the rent-charge financing-cost component; a decrease in any lease payment is not automatically proof of that condition. Conversely, failure to establish the first exception does not alone establish a redisclosure duty; the actual transaction and other exceptions still matter. These exceptions do not approve fees or enforceability. | Original **P1-S005, §5(d) introductory text and (1)–(6)**, with **comment 5-1** and **§5(a)–(b)**; component context **§4(f)(6)**. Fresh: **P2-S001–S003; P2-C001, C007–C014. R/I; limited unit inference.** |\n| **R015-P1-C034** | **Ordinary anticipated end-of-term charges have a distinct disclosure location under §1013.4(d).** Scheduled-end disposition and pickup examples are supported by **comment 4(d)-5**. The normal-operation scope is **comment 4(d)-1**; the specified late/default/early-termination/deferment/extension exclusions are **comment 4(d)-2**. The potential residual/realized-value differential is excluded by **§4(d)’s text**, which refers to §4(k). If discussing optional/location-dependent disposition charges, use **comment 4(d)-6**, preserving its highest-fee rule, permitted explanatory disclosure, and out-of-service-area default distinction. These pinpoint corrections do not decide any actual charge’s validity. | Original **P1-S005, §4(d); comments 4(d)-1, -2, -5**, and **-6 only for the optional/location-dependent proposition**. Comments -3 and -4 supply their separate third-party/allocation qualifications, not the disposition examples. Fresh: **P2-S001/S003; P2-C015–C018. R/I.** |\n| **R015-P1-C035** | **A purchase option is separately disclosed and is not interchangeable with return/termination liability.** Disclose whether an option exists, affirmatively disclose its absence where applicable, and provide the end-of-term price or the during-term price/method and exercise timing as required by §4(i). **Comment 4(i)-2** assigns existence to state or other applicable law and supplies the conditional nonbinding-bid example. **Comment 4(i)-5** requires a sum certain or a future sum certain determinable by a sufficiently informative reference to a readily available independent source; bare negotiated-price or fair-market-value descriptions do not satisfy it. No actual option, price, or enforceability determination is made. | Original **P1-S005, §4(i), (i)(1)–(2); comments 4(i)-1, -2, and -5**. Comments -3 and -4 concern fees/taxes, not price certainty. Fresh: **P2-S001/S003; P2-C019–C022. R/I.** |\n\nThese replacements preserve the original distinction between disclosure duties and substantive validity while correcting the unit and attribution errors. [Consumer Financial Protection Bureau+4](https://www.consumerfinance.gov/rules-policy/regulations/1013/4/?utm_source=chatgpt.com)\n\n## 4. Exact comment-to-proposition map\n\nThis map records the complete requested comment groups without extending the investigation into the underlying contracts, insurance products, tax law, or state-law merits.\n\n| Exact comment | Proposition actually located there | Correction consequence |\n| --- | --- | --- |\n| **4(d)-1** | Charges anticipated incident to normal operation; if uncertain whether a fee is an “other charge,” the lessor may disclose it as such without violating the cited provision/segregation rule. | Retain as the normal-operation support for C034. |\n| **4(d)-2** | This subsection does not require the listed charges arising from early termination, nonperformance, or modification: late payment, default, early termination, payment deferral, lease extension. | Retain as the event-charge exclusion support. This is not an exemption from every other disclosure provision. |\n| **4(d)-3** | Collections on behalf of third parties, such as taxes, are not disclosed under §4(d). | Separate allocation proposition; not the disposition/pickup example. |\n| **4(d)-4** | The category concerns charges not required under another §4 provision; the comment illustrates allocation to periodic-payment or insurance disclosures. | Preserve the allocation qualification without adding an insurance-product analysis. |\n| **4(d)-5** | Liabilities imposed at the scheduled end include disposition and pickup charges. | **Correct source for those examples.** |\n| **4(d)-6** | Normal-operation disposition charges; highest amount for the specified location-dependent return choices; optional brief explanation; different treatment where an out-of-service-area return is contractually treated as default. | **Correct source for the optional-disposition proposition and all its qualifications.** |\n| **4(i)-1** | Affirmative disclosure that no purchase option exists when inapplicable. | Retain the affirmative no-option condition. |\n| **4(i)-2** | Applicable-law existence question; a bid right is not an option under the stated no-required-acceptance and no-preferential-treatment conditions. | Preserve both conditions; do not convert the example into a universal bid rule. |\n| **4(i)-3** | Purchase-option fee belongs under §4(i), not §4(d); separately itemized or included in option price. | Fee allocation only. |\n| **4(i)-4** | Exercise-related official fees/taxes may be included in option price, with or without mentioning inclusion; separately itemized by category; or addressed through a statement excluding tags, taxes, and registration from the option price. | Preserve all stated disclosure alternatives; no fee/tax validity finding. |\n| **4(i)-5** | Sum-certain or sufficiently determinable future price through a readily available independent source; insufficient negotiated-price/FMV labels. | **Correct source for price certainty.** |\n\nThe current agency commentary and the selected annual-CFR passages agree on these locations. [Consumer Financial Protection Bureau+3](https://www.consumerfinance.gov/rules-policy/regulations/1013/interp-4/?utm_source=chatgpt.com)\n\n**No global word substitution is warranted.** For example, §5(d)(5) deliberately uses **average periodic payment**, and comment 4(c)-1 uses rent within its broader description of periodic payments. Those expressions remain as written. The corrections target the exact rent-charge propositions identified here. [Consumer Financial Protection Bureau+1](https://www.consumerfinance.gov/rules-policy/regulations/1013/5/?utm_source=chatgpt.com)\n\n## 5. Issue → original row → dependent replacement/effect\n\n“Unchanged” in this table means that the identified correction does not alter the row’s substance. It is not a fresh certification of every authority underlying that row.\n\n| Issue | Original row or location | Bounded replacement or explicit unchanged effect |\n| --- | --- | --- |\n| Normal accrual unit | **P1-C025** | Replace with the complete row in §3. Use **rent charge** and **normal rent-charge accrual rate**, including the late-payment and post-termination nonreturn branches. |\n| Extension-charge comparison | **P1-C026** | Replace with §3. Preserve the two alternatives in comment 4(q)-4 and the independent §5 inquiry. |\n| Reduction exception | **P1-C063** | Replace with §3. Change “rent reduction” to **reduction in the rent charge**; preserve all other exception conditions and their own units. |\n| Disposition examples | **P1-C034** | Correct the example pinpoint to **4(d)-5**; optional/location-dependent rule to **4(d)-6**. Normal-operation and exclusion findings remain. |\n| Option price certainty | **P1-C035** | Correct certainty to **4(i)-5**, keeping existence/no-option/timing propositions separately attributed. |\n| Event comparison: **Late payment without termination** | PASS-01 provision-specific comparison | Replace the distinction cell with: **“Apply §4(q) and comment 4(q)-3’s treatment of additional rent charge in a simple-interest accounting lease; an above-normal rent-charge accrual rate triggers amount/method disclosure. This does not classify the entire periodic payment as a penalty or approve an actual charge.”** |\n| Event comparison: **Lessor terminates for default** | Same comparison | Core dual §4(g)(1)/§4(q) result remains unchanged. Add only this clarification if accrued amounts are discussed: **“The specific rent-charge classification in comment 4(q)-3 remains a separate question; neither normal accrual nor a disclosed increased charge establishes enforcement authority.”** No repossession/cure analysis is reopened. |\n| Event comparison: **Extension or replacement** | Same comparison | Replace the explanatory cell with: **“Classify the covered transaction under §5 and apply its exact exceptions, including a reduction in rent charge—not any lower payment. Separately assess extension charges exceeding rent charge in a simple-interest accounting lease or added separately under comment 4(q)-4. Neither inquiry automatically decides the other.”** |\n| Event comparison: **Ordinary end of closed-end lease** | Same comparison | Ordinary end-charge substance unchanged. When disposition/pickup examples are stated, append **comment 4(d)-5**; optional/location-dependent qualifications use **4(d)-6**. |\n| Event comparison: **Ordinary end of open-end lease** | Same comparison | Residual-liability analysis unchanged. Any §4(d) disposition/pickup reference receives the corrected pinpoint only. The rent-charge correction does not alter the ordinary-expiration residual rules. |\n| Event comparison: **Purchase instead of return** | Same comparison | Retain §4(i) distinction; specify **(i)(1)–(2)** for price/timing, **comment -2** for existence, and **comment -5** for certainty. No actual purchase right or price conclusion. |\n| Event comparison: other rows | Voluntary early termination; named method; closed-end realized-value termination; electronic delivery | Unchanged by these five corrections. No new method, appraisal, consent, or enforcement result. |\n| Request table | Named-method requests at/after consummation; capitalized-cost itemization; appraisal; English; advertising writing; electronic-consent withdrawal; state requests | **Unchanged.** The corrected component and comment citations do not add a request mechanism, change a recipient, or change those timing rules. Their original source/currentness limits remain; no new request deadline is inferred. |\n| Blank worksheet | **Separate charge categories** | Replace with the first blank row in §6. Explicitly distinguish rent charge, depreciation/amortization, periodic-payment amounts, and separately added charges. |\n| Blank worksheet | **Extension/renegotiation/assumption** | Replace with the second blank row in §6. Preserve covered-lease scope, transaction classification, every exception, and separate extension-charge disclosure. |\n| Blank worksheet | Method variables; ordinary-charge/purchase-option references; source-history field | Use the limited terminology/pinpoint instructions in §6. No actual entry is supplied. |\n| **E12** | Extension versus renegotiation example | Replace with the revised E12 in §7, including the lower-periodic-payment versus rent-charge-reduction distinction. |\n| **E18** | Normal versus increased rent example | Replace with revised **“Normal versus increased rent-charge accrual”** in §7. |\n| Other original examples | Especially E06, E09, E10, E11, E16, E17; remaining branches | No substantive replacement required by these errors. E09’s reasonableness hold remains; E17’s collection-fee distinction remains; E10/E11/E16’s expiration/value/appraisal issues are not reopened. Corrected claim citations travel wherever C025/C026/C034/C035/C063 are referenced. |\n| Original coverage: **Q2 simple-interest/extension charges** | C025–C026/E18 coverage row | Replace the answer with: **“Generic rule answered using the precise rent-charge component and the separate-charge alternative; actual accounting, normal rate, charge, and §5 predicates remain unresolved.”** Link P2-C001–C007, C014 and revised E18. |\n| Original coverage: **Q3 ordinary charges/purchase option** | C034–C035 coverage row | Preserve status and fact holds; replace pinpoints with **4(d)-5/-6** and **4(i)-5**, respectively, with surrounding qualifications from §4. |\n| Original coverage: **Q4 extension timing and all six exceptions** | C062–C063/E12 coverage row | Preserve the existing timing analysis; replace the first exception’s unit with **rent charge**, retain the other five exact conditions, and add the no-automatic-redisclosure qualification. |\n| Source ledger | **P1-S005 and P1-S008** | Append the PASS-02 bounded reads and repaired pinpoints. Do not rewrite the original source-access history or retroactively claim PASS-01 read additional annual-CFR pages. |\n| Read/failure log | Original fresh-read/currentness/pixel assertions | Append §9 below. Original failed routes and pixel limits remain; new successful selected reads do not turn prior failures into successful accesses. |\n| Crosswalk | Original Q2/Q3/Q4/Q5 links | **Q2:** C025/C026 → P2-C001–C006, C014. **Q3:** C034/C035 → P2-C015–C022. **Q4:** C063 → P2-C007–C014. **Q5:** affected worksheet and E12/E18 → §§6–7. Other mappings unchanged by this correction. |\n| Self-check | Original “all six exceptions included,” source-read integrity, and outcome limits | Qualify the original exception check: **all six categories were listed, but the first exception’s unit required correction; it is now rent charge.** Correct the pinpoint check as recorded here. Do not convert this self-check into independent review or whole-answer acceptance. |\n\n## 6. Bounded blank-worksheet replacements\n\nAll entry cells remain blank. These rows identify distinctions for a generic audit; they do not authorize obtaining contracts, records, values, or identifiers.\n\n| Worksheet field | Blank entry | Replacement audit instruction | Support |\n| --- | --- | --- | --- |\n| **Separate charge categories** |  | Distinguish depreciation/other amortized amounts; **rent charge** and its normal accrual rate; base periodic payment; other periodic-payment components; total periodic payment; above-normal additional accrual; separately added extension charge; late/default/termination charge; ordinary disposition/pickup charge; purchase-option price/fee; and other previously listed categories as applicable. A shared payment date or a label such as “rent” does not make the categories interchangeable. | P2-C001–C006, C015–C022 |\n| **Extension/renegotiation/assumption** |  | Establish existing covered-lease status and whether the event is continuation, satisfaction/replacement, or assumption. Apply §5’s relevant conditions and all six exceptions. For §5(d)(1), identify whether **rent charge** decreased; for §5(d)(5), retain **average periodic payment**. Separately identify the comment 4(q)-4 extension-charge alternatives. | P2-C007–C014 |\n| **Method variables and timing conventions** |  | Original field retained. When recording comment 4(q)-3 accrual, use **rent-charge accrual rate** and distinguish it from a periodic-payment amount. Do not rename unrelated contract terms or assume a formula. | P2-C001–C005 |\n| **Ordinary-charge/purchase-option source references** |  | Attach **4(d)-5** to disposition/pickup examples, **4(d)-6** to optional/location-dependent disposition, and **4(i)-5** to price certainty. Keep charge allocation, option existence, and actual enforceability separate. | P2-C015–C022 |\n| **Source/version/application gaps** |  | Add the PASS-02 selected-read record. Retain all original annual-CFR, eCFR, history, form-pixel, contract, and application holds. | P2-C023 |\n\n## 7. Revised original examples and bounded qualitative checks\n\nThe following are stipulated qualitative branches. They introduce no actual or invented transaction identifiers and do not determine actual liability.\n\n| Example | Stipulated facts | Correct rule-specific result versus unknown | Needed audit evidence / adverse error |\n| --- | --- | --- | --- |\n| **Replacement R015-P1-E12 — Extension versus renegotiation** | An existing covered lease continues beyond its original end; whether it was satisfied/replaced and what components changed are unknown. A lower periodic payment may be present. | Classify the event under §5 before deciding new-disclosure duties. A lower periodic payment alone does not establish a **rent-charge reduction** under §5(d)(1). Failure to establish that exception alone does not establish a duty either: the triggering definitions and all other exceptions remain relevant. | Needed: transaction classification, duration, changes, and the component actually reduced. Error: treating any lower payment as the rent-charge exception, or treating its absence as automatic redisclosure. **P2-C007–C014.** |\n| **Replacement R015-P1-E18 — Normal versus increased rent-charge accrual** | In a simple-interest accounting lease, additional rent charge accrues because payment is late; alternatively, it continues after termination because property is not returned. A further branch uses an above-normal accrual rate. | Apply comment 4(q)-3’s specified normal-accrual classifications. In either above-normal-rate branch, disclose the additional amount or method under §4(q). The entire periodic payment is not the comparison unit. No amount’s lawfulness is established. | Needed: accounting terms, normal rent-charge rate, additional rate, cause of accrual, and charge classification. Error: treating all periodic payments as rent charge or all accrual as a penalty. **P2-C001–C004, C006.** |\n| **R015-P2-E001 — Lower payment, unchanged rent charge** | The total periodic payment decreases solely because another periodic-payment component decreases; rent charge is stipulated unchanged. | That fact does not satisfy the rent-charge-reduction condition in §5(d)(1). Whether new disclosures are required remains dependent on the actual §5 event and other exceptions. | Needed: component breakdown and change classification. Error: using the payment total as the statutory/regulatory unit. **P2-C001, C007–C014.** |\n| **R015-P2-E002 — Rent-charge reduction** | The stipulated change to an existing covered lease is a reduction in its rent-charge component. | Section 5(d)(1) supplies the stated exception to new disclosures, even if the change meets the renegotiation/extension definition. This does not approve any separate charge or establish all actual facts. | Needed: evidence that the changed component is rent charge. Error: confusing this limited exception with approval of every modification or fee. **P2-C008, C014.** |\n| **R015-P2-E003 — Separately added extension charge** | An extension charge is added separately. No comparison showing it exceeds the total periodic payment is stipulated. | The separately-added alternative in comment 4(q)-4 does not require that comparison. Its §4(q) disclosure classification does not alone establish a new §5 disclosure package or a lawful fee. | Needed: charge trigger and separate-addition treatment, plus independent §5 predicates. Error: adding an unwritten “must exceed the whole payment” requirement. **P2-C005–C007, C014.** |\n| **R015-P2-E004 — Disposition pinpoint** | A generic description discusses scheduled-end pickup/disposition and a normal-operation choice among return locations with different fees. | Cite **4(d)-5** for the basic examples and **4(d)-6** for the location rule, highest-fee disclosure, permitted explanation, and default-location qualification. | Needed: correct proposition-to-comment mapping; actual fee facts remain absent. Error: citing comments 1–3 as the examples’ location or treating every location fee as ordinary. **P2-C015–C018.** |\n| **R015-P2-E005 — Purchase-price pinpoint** | A generic disclosure states only that option price will be a negotiated price or fair market value, without a sufficiently informative independent-source reference. | The price-certainty issue belongs to **4(i)-5**. Comments 3–4 address fee/tax allocation and do not supply the missing certainty rule. This example does not decide an actual option’s existence. | Needed: actual price/reference wording if application were authorized. Error: attributing certainty to comments 1–4 or equating a bid opportunity with an option without the comment’s conditions. **P2-C019–C022.** |\n\nThe differences above are supported by the payment-component text, extension exceptions, and exact commentary—not by a calculated example. [Consumer Financial Protection Bureau+4](https://www.consumerfinance.gov/rules-policy/regulations/1013/4/?utm_source=chatgpt.com)\n\n## 8. Granular coverage of all four requests and dependencies\n\n| Requested item or dependency | Status | Answer/replacement location | Remaining limitation |\n| --- | --- | --- | --- |\n| **1 — Complete comment 4(q)-3** | Answered | P2-C002–C004; replacement C025; revised E18 | Accounting method, accrual cause/rate, and actual charge remain unknown |\n| **1 — Complete comment 4(q)-4** | Answered | P2-C005; replacement C026 | Separate-charge and excess-rent-charge alternatives preserved; no actual application |\n| **1 — Complete §4(f)(6) and component distinction** | Answered | P2-C001; S001/S003 | No numerical model or total-financing-cost/APR inference |\n| **1 — §5(d)(1)** | Answered | P2-C008; replacement C063 | Lower periodic payment alone is insufficient to establish this exception |\n| **1 — Other five §5(d) exceptions** | Answered individually | P2-C009–C013; complete C063 replacement | Every condition retained; no court or contract inquiry |\n| **1 — Existing-covered-lease condition** | Answered | P2-C007; fresh comment 5-1 | Actual original coverage and replacement/continuation remain unresolved |\n| **1 — Reasonableness preserved** | Answered as boundary | P2-C006; C025/C026 replacements | No charge approval or actual harm/loss/remedy finding |\n| **1 — No automatic redisclosure inference** | Answered | P2-C014; E12/P2-E001–E003 | Actual §5 trigger and every applicable exception still required |\n| **2 — Complete §4(d), comments 1–6** | Answered | S001/S003; P2-C015–C018; §4 map | No actual fee classification or validity determination |\n| **2 — Complete §4(i), comments 1–5** | Answered | S001/S003; P2-C019–C022; §4 map | Option existence, price, and applicable law remain held |\n| **2 — Disposition/pickup pinpoint** | Corrected | C034 replacement; comment 4(d)-5 | Substantive original distinction retained |\n| **2 — Optional-disposition pinpoint/conditions** | Corrected | C034 qualification; comment 4(d)-6 | Highest-fee and default-location conditions retained |\n| **2 — Purchase-price certainty pinpoint** | Corrected | C035 replacement; comment 4(i)-5 | No new state-law or enforceability conclusion |\n| **2 — No global “rent” substitution** | Answered | §4 concluding note; P2-C001/C012 | Average periodic payment and other distinct expressions remain intact |\n| **3 — Late/default event-comparison rows** | Corrected/qualified | §5 dependency ledger | Original enforcement holds unaffected |\n| **3 — Extension/replacement comparison** | Corrected | §5 dependency ledger | Disclosure classification and new-disclosure determination remain separate |\n| **3 — Ordinary-end charge comparisons** | Pinpoints corrected | §5 dependency ledger | Open/closed-end and residual analyses not reopened |\n| **3 — Purchase-option comparison** | Pinpoints corrected | §5 dependency ledger | No actual purchase right/price conclusion |\n| **3 — Request table** | Explicitly unchanged | §5 dependency ledger | No new request trigger, recipient, response period, or deadline |\n| **3 — Worksheet separate-charge field** | Replaced, blank | §6 first row | No actual amounts entered |\n| **3 — Worksheet extension field** | Replaced, blank | §6 second row | All classification/exception facts remain blank |\n| **3 — Other affected worksheet references** | Limited terminology/pinpoint updates | §6 remaining rows | No generalized contract-word replacement |\n| **3 — E12** | Replaced | §7 | No automatic exception or redisclosure conclusion |\n| **3 — E18** | Replaced | §7 | Rent charge/rate separated from periodic payment |\n| **3 — Relevant other original examples** | Explicitly unchanged in substance | §5 example-dependency row | Unchanged is not whole-example/source reapproval |\n| **3 — Q2 simple-interest/extension coverage** | Corrected | §5 coverage-effect row | Actual accounting and charge facts remain held |\n| **3 — Q3 ordinary charges/purchase option** | Pinpoints corrected | §5 coverage-effect row | Original fact/state holds preserved |\n| **3 — Q4 six-exception coverage** | Corrected | §5 coverage-effect row | First exception’s unit corrected; other conditions retained |\n| **3 — Source ledger/read log** | Addendum supplied | §§1 and 9 | Original access history is not rewritten |\n| **3 — Crosswalk** | Bounded mapping supplied | §5 crosswalk row | Other original mappings outside this correction |\n| **3 — Self-check assertions** | Corrected/qualified | §§5 and 10 | No independent-review claim |\n| **4 — Required sources, atomic claims, issue/effect table** | Supplied | §§1–5 | Same-document presentations grouped; status travels with replacements |\n| **4 — Qualitative branches** | Supplied | §7 | No identifiers, amounts, deadlines, or actual outcomes |\n| **4 — Currentness/pixel/application/parent holds** | Preserved | S005; §§9–11 | Not resolved or accepted by this correction |\n\n## 9. Read/failure log\n\n| Item | PASS-02 execution and evidence status | What is not established |\n| --- | --- | --- |\n| Supplied five claim cells | Used to identify exact correction targets; compared with fresh primary text. | No saved-file access, hash, import, or capture validation. |\n| CFPB §4 and commentary | Complete requested clauses/comment groups freshly read, including the final higher-rate sentence in 4(q)-3 and both alternatives in 4(q)-4. | Not a whole-part or whole-source review. |\n| CFPB §5 and coverage comment | All six exceptions and the existing-covered-lease comment freshly read. | No actual renegotiation, extension, assumption, or redisclosure decision. |\n| 2025 official annual CFR | Selected operative passages and comments freshly read at the printed pages and zero-based indices listed in S003. | Historical edition, not current 2026 annual verification. Newly selected pages are not retroactively attributed to PASS-01. |\n| Comparison with supplied correction context | Fresh text agrees on the rent-charge unit and corrected comment numbers. | No substantive disagreement requiring a contrary quotation was found. |\n| New retrieval failures | None in the bounded successful reads recorded in S001–S004. | This does not cure earlier failures or establish universal availability. |\n| Original eCFR/2026 annual failures | Carried forward; not retried in PASS-02. | No claim to have read their bodies, bypassed an access gate, or resolved the gap. |\n| Publication metadata | Current-page labels and index date/disclaimer read. | January 1, 2026 is not asserted to be the effective date of these particular correction clauses. |\n| Pixels/forms | No screenshots or form-image inspection undertaken in PASS-02. | Parsed PDF text is not pixels; all original form/pixel limits remain. |\n| Other authorities | No new final-rule history, Board counterpart, guidance, opinion, or state-law investigation was necessary for this correction. | No new amendment-history, guidance-status, case-history, or jurisdictional conclusion. |\n| External/private activity | No contract/record query, identifier entry, contact, filing, purchase, account change, publication, local file, or coordinator-record operation. | No individualized result or execution beyond this visible correction. |\n\n## 10. Self-check — **not independent review**\n\n| Check | Bounded result |\n| --- | --- |\n| Correct legal unit | **Rent charge** retained in comments 4(q)-3/-4 and §5(d)(1); periodic-payment terms preserved where the rule uses them. |\n| Normal versus above-normal accrual | Both normal-accrual scenarios and the final higher-rate qualification retained. |\n| Extension alternatives | “Exceeds rent charge” and “added separately” remain alternative predicates. |\n| Six exceptions | All six reproduced with their complete material conditions; the first is corrected from broad rent reduction to rent-charge reduction. |\n| Existing coverage and actual facts | Comment 5-1 and transaction-classification conditions preserved. |\n| Reasonableness and lawfulness | All three considerations retained through comment 4(q)-5; no actual charge validated. |\n| C034 attribution | Normal-operation/exclusions separated from disposition/pickup **4(d)-5** and optional disposition **4(d)-6**. |\n| C035 attribution | Existence/no-option and price/timing separated from certainty **4(i)-5** and fee/tax comments **-3/-4**. |\n| Dependencies | Affected comparisons, worksheet fields, E12/E18, coverage, source/read log, crosswalk, and self-check statements addressed. |\n| Unchanged material | Marked unchanged because these corrections do not affect it—not because the entire original answer was reverified. |\n| Provenance and visual limits | No saved-file, whole-source, independent-review, or unseen-pixel claim. |\n| Acceptance | No component, parent, operations, or publication acceptance. |\n\n## 11. Preserved holds and correction boundary\n\nAll original **2026 annual-CFR, eCFR, intervening amendment/session-law/judicial-history, source-access, and form-pixel holds** remain. This pass does not refresh or resolve unrelated original threshold, transition, dealer-jurisdiction, Board part 213, appraisal, residual-liability, advertising, electronic-consent, or remedy findings.\n\nAll actual **product, purpose, property, term, threshold, lessor/lessee/arranger/assignee role, contract, disclosure, consent, event, default, method, variables, residual/realized value, charge, notice/request, state, and application facts** remain unresolved.\n\nAll other A015 and parent dimensions remain held, including **vehicle-credit origination/APR/usury; title/security/priority; acceleration, repossession, sale, surplus and deficiency; insurance/GAP/warranty; hardship/settlement; credit reporting and collections; limitations, remedies, litigation, tax and insolvency; other asset financing; and state, local, tribal, international, and country law**.\n\nThe correction is confined to the five identified claims and the dependent wording and citations enumerated above.\n\nEND R015 PASS-02\n\n","tables":[{"headers":["Source ID","Issuer/title and complete literal HTTPS URLs","Fresh read bounds and pinpoint information","Version, effectiveness, access, and currentness limits"],"index":0,"links":[{"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/1013/4/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau\n+6"},{"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/1013/5/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau\n+1"},{"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+4"},{"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.consumerfinance.gov/rules-policy/regulations/1013/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"},{"href":"https://www.ecfr.gov/current/title-12/chapter-X/part-1013?utm_source=chatgpt.com","text":"https://www.ecfr.gov/current/title-12/chapter-X/part-1013"},{"href":"https://www.govinfo.gov/content/pkg/CFR-2026-title12-vol8/pdf/CFR-2026-title12-vol8-part1013.pdf","text":"https://www.govinfo.gov/content/pkg/CFR-2026-title12-vol8/pdf/CFR-2026-title12-vol8-part1013.pdf"},{"href":"https://www.govinfo.gov/content/pkg/CFR-2026-title12-vol3/pdf/CFR-2026-title12-vol3-part213.pdf","text":"https://www.govinfo.gov/content/pkg/CFR-2026-title12-vol3/pdf/CFR-2026-title12-vol3-part213.pdf"}],"row_links":[[],[{"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/1013/4/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau\n+6"}],[{"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/1013/5/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau\n+1"}],[{"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+4"}],[{"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.consumerfinance.gov/rules-policy/regulations/1013/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"}],[{"href":"https://www.ecfr.gov/current/title-12/chapter-X/part-1013?utm_source=chatgpt.com","text":"https://www.ecfr.gov/current/title-12/chapter-X/part-1013"},{"href":"https://www.govinfo.gov/content/pkg/CFR-2026-title12-vol8/pdf/CFR-2026-title12-vol8-part1013.pdf","text":"https://www.govinfo.gov/content/pkg/CFR-2026-title12-vol8/pdf/CFR-2026-title12-vol8-part1013.pdf"},{"href":"https://www.govinfo.gov/content/pkg/CFR-2026-title12-vol3/pdf/CFR-2026-title12-vol3-part213.pdf","text":"https://www.govinfo.gov/content/pkg/CFR-2026-title12-vol3/pdf/CFR-2026-title12-vol3-part213.pdf"}]],"rows":[["Source ID","Issuer/title and complete literal HTTPS URLs","Fresh read bounds and pinpoint information","Version, effectiveness, access, and currentness limits"],["R015-P2-S001","CFPB — §1013.4, Content of disclosures; Supplement I commentary to §1013.4.\nhttps://www.consumerfinance.gov/rules-policy/regulations/1013/4/\nhttps://www.consumerfinance.gov/rules-policy/regulations/1013/interp-4/","Fresh complete material reads: §4(d) and comments 4(d)-1–6; §4(f)(6), with necessary surrounding §4(f)(5), (7)–(11); §4(i), including (1)–(2), and comments 4(i)-1–5; §4(q) and complete comments 4(q)-3–5. Comment 4(q)-2 was also read to preserve the default/early-termination dependency. HTML; printed page/PDF index not applicable.","Accessed 2026-10-27 PDT. Pages label the presentation current. Section 4 applies to consumer leases subject to the part. This pass does not independently establish the original effective date of every clause or a complete amendment history. Integrated and standalone commentary are two presentations of the same official interpretations. \nConsumer Financial Protection Bureau\n+6"],["R015-P2-S002","CFPB — §1013.5, Renegotiations, extensions, and assumptions; Supplement I commentary to §1013.5.\nhttps://www.consumerfinance.gov/rules-policy/regulations/1013/5/\nhttps://www.consumerfinance.gov/rules-policy/regulations/1013/interp-5/","Fresh complete §5(a)–(d), including the introductory language and all six §5(d)(1)–(6) exceptions. Fresh comment 5-1 establishes existing-covered-lease scope. The displayed extension/renegotiation comments were read for dependency context; no numerical example was adopted. HTML.","Accessed 2026-10-27 PDT; labeled current. The exceptions operate even where the event meets the definition of renegotiation or extension. Existing coverage, transaction classification, and exception predicates remain necessary. No transaction-specific redisclosure conclusion. \nConsumer Financial Protection Bureau\n+1"],["R015-P2-S003","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: §4(d), printed pp.507–508, zero-based PDF indices 2–3; §4(f)(5)–(11), p.508/index3; §4(i), p.509/index4; §4(q), pp.509–510/indices4–5; §5(a)–(d), p.510/index5. Commentary: 4(d)-1–6, pp.524–525/indices19–20; 4(i)-1–5, p.526/index21; 4(q)-2–5 and 5-1, p.528/index23.","January 1, 2025 annual edition, accessed 2026-10-27 PDT. The selected words and comment numbers agree with the current agency presentation on this correction. Historical codification only; no inference that the entire part is unchanged through the verification date. No pixels, full-form review, or whole-PDF review claimed. \ngovinfo.gov\n+4"],["R015-P2-S004","CFPB — Regulation M index and publisher notice.\nhttps://www.consumerfinance.gov/rules-policy/regulations/1013/","Fresh metadata read: “Most recently amended Jan. 1, 2026” and the notice distinguishing the resource from official legal editions of the CFR/Federal Register. HTML.","Accessed 2026-10-27 PDT. This is publication metadata, not proof that the corrected clauses themselves became effective January 1, 2026, and not a complete section-history audit. \nConsumer Financial Protection Bureau"],["R015-P2-S005","Carried-forward unavailable official routes; not retried in PASS-02.\nhttps://www.ecfr.gov/current/title-12/chapter-X/part-1013\nhttps://www.govinfo.gov/content/pkg/CFR-2026-title12-vol8/pdf/CFR-2026-title12-vol8-part1013.pdf\nhttps://www.govinfo.gov/content/pkg/CFR-2026-title12-vol3/pdf/CFR-2026-title12-vol3-part213.pdf","No PASS-02 body read or access attempt. These identify the original eCFR/2026 annual-edition retrieval holds.","Original failures remain failures as recorded in PASS-01; this correction does not resolve them. No access-gate workaround, no inference of nonexistence, and no fresh part 213 counterpart verification."]]},{"headers":["Claim ID","Precise corrected claim","Exact source pinpoint","Trigger, conditions, exceptions, and limits"],"index":1,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Claim ID","Precise corrected claim","Exact source pinpoint","Trigger, conditions, exceptions, and limits"],["R015-P2-C001","The rent charge is a separately identified component of the motor-vehicle payment calculation.","S001 §1013.4(f)(6), with (5), (7), (9)–(11); S003 p.508/index3","R. Section 4(f)(6) identifies the difference between total base periodic payments over the lease term and depreciation plus any amortized amounts. Base and total periodic payments are separately described. “Rent charge” is therefore not interchangeable with the entire periodic payment or every financing-related cost."],["R015-P2-C002","In a simple-interest accounting lease, additional rent charge accruing on the lease balance because a periodic payment is made after its due date is not a penalty or other late-payment charge under the comment.","S001 comment 4(q)-3, first sentence; S003 p.528/index23","I. Preserve the specified accounting method, lease-balance accrual, and late-payment cause. The higher-rate qualification in C004 must also be applied."],["R015-P2-C003","Continued accrual of the rent charge after termination because the lessee fails to return the property is not characterized as a default charge under the same comment.","S001 comment 4(q)-3, second sentence; S003 p.528/index23","I. This is the specified nonreturn scenario, not a universal classification of every post-termination amount. C004 remains relevant."],["R015-P2-C004","In either C002 or C003, an additional charge accruing at a rate higher than the normal rent charge requires disclosure of its amount or determining method under §4(q).","S001 comment 4(q)-3, final sentence; S003 p.528/index23","I. The comparison concerns the normal rent-charge accrual rate. It is not a comparison against the entire periodic-payment amount. No actual rate or lawful charge is determined."],["R015-P2-C005","Extension charges that exceed the rent charge in a simple-interest accounting lease or are added separately are disclosed under §4(q).","S001 comment 4(q)-4; S003 p.528/index23","I. Preserve both stated alternatives. Do not turn “or” into a requirement that a separately added charge also exceed rent charge or the total periodic payment."],["R015-P2-C006","The charge-reasonableness boundary remains intact.","S001 §4(q), comment 4(q)-5; S003 pp.509–510 and p.528","R/I. The comment restates the statutory considerations: anticipated or actual harm from the event, difficulties proving loss, and inconvenience or nonfeasibility of otherwise obtaining an adequate remedy. Disclosure classification does not decide substantive lawfulness."],["R015-P2-C007","Section 5 applies to existing leases covered by Regulation M; renegotiation and extension have their own predicates.","S002 §5(a)–(b), comment 5-1; S003 p.510 and p.528","R/I. Satisfaction/replacement is determined under state or other applicable law. Comment 5-1 excludes renegotiation/extension of initially four-month-or-shorter leases from §5. No actual classification is made."],["R015-P2-C008","Section 5(d)(1) exempts a reduction in the rent charge from new disclosures, even if the change meets the renegotiation/extension definition.","S002 §5(d) introductory text and (d)(1); S003 p.510/index5","R; limited INF. A lower periodic payment alone does not establish this particular predicate, because the payment includes distinct components. Failure to establish this exception alone also does not establish that new disclosures are required."],["R015-P2-C009","Deferment of one or more payments is a specified new-disclosure exception, whether or not a fee is charged.","S002 §5(d)(2); S003 p.510/index5","R. This preserves the exact fee/no-fee condition; it does not approve the fee."],["R015-P2-C010","An extension of no more than six months, month-to-month or otherwise, is a specified exception.","S002 §5(d)(3); S003 p.510/index5","R. Existing coverage and the actual extension remain necessary; no actual calendar calculation."],["R015-P2-C011","Substituting property of substantially equivalent or greater economic value is a specified exception provided no other lease terms change.","S002 §5(d)(4); S003 p.510/index5","R. Both the value condition and the no-other-term-change condition must be preserved."],["R015-P2-C012","Adding, deleting, or substituting property in a multiple-item lease is a specified exception if the average periodic payment changes by no more than 25 percent.","S002 §5(d)(5); S003 p.510/index5","R. The unit here remains average periodic payment. It must not be globally replaced by rent charge. The text addresses change, not only increases."],["R015-P2-C013","An agreement resulting from a court proceeding is the sixth specified exception.","S002 §5(d)(6); S003 p.510/index5","R. No proceeding, agreement, case record, or application is investigated."],["R015-P2-C014","A §4(q) charge-disclosure classification and a §5 new-disclosure determination are separate inquiries.","S001 comment 4(q)-4; S002 §5(a)–(d), comment 5-1","INF from the provisions’ distinct functions. A separately added extension charge does not alone establish that an entirely new disclosure package is required. A §5 exception does not independently authorize that charge."],["R015-P2-C015","Section 4(d) addresses itemized other charges payable to the lessor that are outside periodic payments and anticipated in normal operation.","S001 §4(d), comment 4(d)-1; S003 pp.507–508, p.524/index19","R/I. The potential residual/realized-value differential is excluded by §4(d)’s text and cross-reference to §4(k). Comment 1 also addresses disclosure when the lessor is unsure whether a fee belongs in this category."],["R015-P2-C016","The exclusions and allocation qualifications for §4(d) are in comments 2–4.","S001 comments 4(d)-2–4; S003 pp.524–525/indices19–20","I. Comment 2 concerns late/default/early-termination/deferment/extension events; comment 3 concerns third-party collections; comment 4 concerns charges required elsewhere. These comments do not supply the disposition/pickup examples."],["R015-P2-C017","Scheduled-end disposition and pickup charges are the examples in comment 4(d)-5.","S001 comment 4(d)-5; S003 p.525/index20","I. Corrects the supporting pinpoint. It does not establish any actual fee’s validity."],["R015-P2-C018","Optional/location-dependent disposition charges are addressed in comment 4(d)-6.","S001 comment 4(d)-6; S003 p.525/index20","I. For the described normal-operation return-location choice, disclose the highest fee; a brief explanation may be added. If the lease treats an out-of-service-area return as default, the charge is not an “other charge” under this comment and may require §4(q) disclosure."],["R015-P2-C019","Purchase-option existence and an affirmative no-option disclosure have their own predicates.","S001 §4(i), comments 4(i)-1–2; S003 p.509 and p.526/index21","R/I. Applicable law determines existence. The comment’s bid example requires both that the lessor need not accept the bid and that the lessee receives no preferential treatment."],["R015-P2-C020","Section 4(i)(1)–(2) separately specifies end-of-term and during-term purchase-option disclosures.","S001 §4(i)(1)–(2); S003 p.509/index4","R. End: purchase price. During term: price or method for determining it and when exercisable. No purchase right or actual price is created here."],["R015-P2-C021","Purchase-option price certainty is governed by comment 4(i)-5.","S001 comment 4(i)-5; S003 p.526/index21","I. State a sum certain or a future sum certain determined through a readily available independent source, with enough information to determine the actual price when the option becomes available. Bare negotiated-price or fair-market-value labels do not satisfy that rule."],["R015-P2-C022","Purchase-option fees and exercise-related official fees/taxes are addressed in comments 3 and 4, respectively.","S001 comments 4(i)-3–4; S003 p.526/index21","I. These are disclosure-allocation provisions, not the source of price certainty. Their complete alternatives are mapped below; no tax or fee-enforceability analysis is added."],["R015-P2-C023","The correction establishes the specified text and pinpoint repairs, not whole-answer or whole-source verification.","S001–S005 and this pass’s read log","U. Currentness, annual-edition, pixel, application, and parent holds remain. “Unchanged” below means unaffected by these corrections, not independently reapproved."]]},{"headers":["Original row","Corrected precise claim and complete conditions/limits","Corrected source pinpoint and status"],"index":2,"links":[],"row_links":[[],[],[],[],[],[]],"rows":[["Original row","Corrected precise claim and complete conditions/limits","Corrected source pinpoint and status"],["R015-P1-C025","Additional rent-charge accrual in a simple-interest accounting lease has the specific classification stated in comment 4(q)-3. Additional rent charge accruing on the lease balance because a periodic payment is made after the due date does not constitute a penalty or other late-payment charge under that comment. Continued accrual of the rent charge after termination because the lessee fails to return the property does not constitute a default charge under the comment. In either case, if the additional charge accrues at a rate higher than the normal rent charge, its amount or determining method must be disclosed under §1013.4(q). These statements concern the rent-charge component and its accrual—not the entire periodic payment. They do not establish contractual authorization, substantive lawfulness, or compliance with every other disclosure requirement. Applicable reasonableness requirements remain preserved.","Original source family R015-P1-S005, §1013.4(q), comment 4(q)-3; component distinction §4(f)(6); reasonableness comment 4(q)-5. Fresh verification: P2-S001/S003; P2-C001–C004, C006. I/R."],["R015-P1-C026","Extension charges that exceed the rent charge in a simple-interest accounting lease, or that are added separately, are disclosed under §1013.4(q). The first alternative uses the precise rent-charge component; the separately-added alternative must not be conditioned on also exceeding that component or the total periodic payment. This classification does not alone establish a duty to issue an entirely new disclosure package. Section 1013.5’s existing-covered-lease, renegotiation/extension, and exception conditions must be evaluated separately. Neither disclosure nor a new-disclosure exception independently authorizes the charge or resolves reasonableness.","Original P1-S005, comment 4(q)-4; related §5(a)–(d), comment 5-1; reasonableness §4(q), comment 4(q)-5. Fresh: P2-S001–S003; P2-C005–C007, C014. I/R; limited functional inference."],["R015-P1-C063","Section 1013.5(d) contains six specified exceptions to new disclosures, even if the event meets the definition of renegotiation or extension: (1) a reduction in the rent charge; (2) deferment of one or more payments, whether or not a fee is charged; (3) extension for not more than six months, month-to-month or otherwise; (4) substitution of property having substantially equivalent or greater economic value, provided no other lease terms change; (5) addition, deletion, or substitution of property in a multiple-item lease, provided the average periodic payment does not change by more than 25 percent; (6) an agreement resulting from a court proceeding. Section 5 applies only to existing covered leases. The first exception concerns the rent-charge financing-cost component; a decrease in any lease payment is not automatically proof of that condition. Conversely, failure to establish the first exception does not alone establish a redisclosure duty; the actual transaction and other exceptions still matter. These exceptions do not approve fees or enforceability.","Original P1-S005, §5(d) introductory text and (1)–(6), with comment 5-1 and §5(a)–(b); component context §4(f)(6). Fresh: P2-S001–S003; P2-C001, C007–C014. R/I; limited unit inference."],["R015-P1-C034","Ordinary anticipated end-of-term charges have a distinct disclosure location under §1013.4(d). Scheduled-end disposition and pickup examples are supported by comment 4(d)-5. The normal-operation scope is comment 4(d)-1; the specified late/default/early-termination/deferment/extension exclusions are comment 4(d)-2. The potential residual/realized-value differential is excluded by §4(d)’s text, which refers to §4(k). If discussing optional/location-dependent disposition charges, use comment 4(d)-6, preserving its highest-fee rule, permitted explanatory disclosure, and out-of-service-area default distinction. These pinpoint corrections do not decide any actual charge’s validity.","Original P1-S005, §4(d); comments 4(d)-1, -2, -5, and -6 only for the optional/location-dependent proposition. Comments -3 and -4 supply their separate third-party/allocation qualifications, not the disposition examples. Fresh: P2-S001/S003; P2-C015–C018. R/I."],["R015-P1-C035","A purchase option is separately disclosed and is not interchangeable with return/termination liability. Disclose whether an option exists, affirmatively disclose its absence where applicable, and provide the end-of-term price or the during-term price/method and exercise timing as required by §4(i). Comment 4(i)-2 assigns existence to state or other applicable law and supplies the conditional nonbinding-bid example. Comment 4(i)-5 requires a sum certain or a future sum certain determinable by a sufficiently informative reference to a readily available independent source; bare negotiated-price or fair-market-value descriptions do not satisfy it. No actual option, price, or enforceability determination is made.","Original P1-S005, §4(i), (i)(1)–(2); comments 4(i)-1, -2, and -5. Comments -3 and -4 concern fees/taxes, not price certainty. Fresh: P2-S001/S003; P2-C019–C022. R/I."]]},{"headers":["Exact comment","Proposition actually located there","Correction consequence"],"index":3,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Exact comment","Proposition actually located there","Correction consequence"],["4(d)-1","Charges anticipated incident to normal operation; if uncertain whether a fee is an “other charge,” the lessor may disclose it as such without violating the cited provision/segregation rule.","Retain as the normal-operation support for C034."],["4(d)-2","This subsection does not require the listed charges arising from early termination, nonperformance, or modification: late payment, default, early termination, payment deferral, lease extension.","Retain as the event-charge exclusion support. This is not an exemption from every other disclosure provision."],["4(d)-3","Collections on behalf of third parties, such as taxes, are not disclosed under §4(d).","Separate allocation proposition; not the disposition/pickup example."],["4(d)-4","The category concerns charges not required under another §4 provision; the comment illustrates allocation to periodic-payment or insurance disclosures.","Preserve the allocation qualification without adding an insurance-product analysis."],["4(d)-5","Liabilities imposed at the scheduled end include disposition and pickup charges.","Correct source for those examples."],["4(d)-6","Normal-operation disposition charges; highest amount for the specified location-dependent return choices; optional brief explanation; different treatment where an out-of-service-area return is contractually treated as default.","Correct source for the optional-disposition proposition and all its qualifications."],["4(i)-1","Affirmative disclosure that no purchase option exists when inapplicable.","Retain the affirmative no-option condition."],["4(i)-2","Applicable-law existence question; a bid right is not an option under the stated no-required-acceptance and no-preferential-treatment conditions.","Preserve both conditions; do not convert the example into a universal bid rule."],["4(i)-3","Purchase-option fee belongs under §4(i), not §4(d); separately itemized or included in option price.","Fee allocation only."],["4(i)-4","Exercise-related official fees/taxes may be included in option price, with or without mentioning inclusion; separately itemized by category; or addressed through a statement excluding tags, taxes, and registration from the option price.","Preserve all stated disclosure alternatives; no fee/tax validity finding."],["4(i)-5","Sum-certain or sufficiently determinable future price through a readily available independent source; insufficient negotiated-price/FMV labels.","Correct source for price certainty."]]},{"headers":["Issue","Original row or location","Bounded replacement or explicit unchanged effect"],"index":4,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Issue","Original row or location","Bounded replacement or explicit unchanged effect"],["Normal accrual unit","P1-C025","Replace with the complete row in §3. Use rent charge and normal rent-charge accrual rate, including the late-payment and post-termination nonreturn branches."],["Extension-charge comparison","P1-C026","Replace with §3. Preserve the two alternatives in comment 4(q)-4 and the independent §5 inquiry."],["Reduction exception","P1-C063","Replace with §3. Change “rent reduction” to reduction in the rent charge; preserve all other exception conditions and their own units."],["Disposition examples","P1-C034","Correct the example pinpoint to 4(d)-5; optional/location-dependent rule to 4(d)-6. Normal-operation and exclusion findings remain."],["Option price certainty","P1-C035","Correct certainty to 4(i)-5, keeping existence/no-option/timing propositions separately attributed."],["Event comparison: Late payment without termination","PASS-01 provision-specific comparison","Replace the distinction cell with: “Apply §4(q) and comment 4(q)-3’s treatment of additional rent charge in a simple-interest accounting lease; an above-normal rent-charge accrual rate triggers amount/method disclosure. This does not classify the entire periodic payment as a penalty or approve an actual charge.”"],["Event comparison: Lessor terminates for default","Same comparison","Core dual §4(g)(1)/§4(q) result remains unchanged. Add only this clarification if accrued amounts are discussed: “The specific rent-charge classification in comment 4(q)-3 remains a separate question; neither normal accrual nor a disclosed increased charge establishes enforcement authority.” No repossession/cure analysis is reopened."],["Event comparison: Extension or replacement","Same comparison","Replace the explanatory cell with: “Classify the covered transaction under §5 and apply its exact exceptions, including a reduction in rent charge—not any lower payment. Separately assess extension charges exceeding rent charge in a simple-interest accounting lease or added separately under comment 4(q)-4. Neither inquiry automatically decides the other.”"],["Event comparison: Ordinary end of closed-end lease","Same comparison","Ordinary end-charge substance unchanged. When disposition/pickup examples are stated, append comment 4(d)-5; optional/location-dependent qualifications use 4(d)-6."],["Event comparison: Ordinary end of open-end lease","Same comparison","Residual-liability analysis unchanged. Any §4(d) disposition/pickup reference receives the corrected pinpoint only. The rent-charge correction does not alter the ordinary-expiration residual rules."],["Event comparison: Purchase instead of return","Same comparison","Retain §4(i) distinction; specify (i)(1)–(2) for price/timing, comment -2 for existence, and comment -5 for certainty. No actual purchase right or price conclusion."],["Event comparison: other rows","Voluntary early termination; named method; closed-end realized-value termination; electronic delivery","Unchanged by these five corrections. No new method, appraisal, consent, or enforcement result."],["Request table","Named-method requests at/after consummation; capitalized-cost itemization; appraisal; English; advertising writing; electronic-consent withdrawal; state requests","Unchanged. The corrected component and comment citations do not add a request mechanism, change a recipient, or change those timing rules. Their original source/currentness limits remain; no new request deadline is inferred."],["Blank worksheet","Separate charge categories","Replace with the first blank row in §6. Explicitly distinguish rent charge, depreciation/amortization, periodic-payment amounts, and separately added charges."],["Blank worksheet","Extension/renegotiation/assumption","Replace with the second blank row in §6. Preserve covered-lease scope, transaction classification, every exception, and separate extension-charge disclosure."],["Blank worksheet","Method variables; ordinary-charge/purchase-option references; source-history field","Use the limited terminology/pinpoint instructions in §6. No actual entry is supplied."],["E12","Extension versus renegotiation example","Replace with the revised E12 in §7, including the lower-periodic-payment versus rent-charge-reduction distinction."],["E18","Normal versus increased rent example","Replace with revised “Normal versus increased rent-charge accrual” in §7."],["Other original examples","Especially E06, E09, E10, E11, E16, E17; remaining branches","No substantive replacement required by these errors. E09’s reasonableness hold remains; E17’s collection-fee distinction remains; E10/E11/E16’s expiration/value/appraisal issues are not reopened. Corrected claim citations travel wherever C025/C026/C034/C035/C063 are referenced."],["Original coverage: Q2 simple-interest/extension charges","C025–C026/E18 coverage row","Replace the answer with: “Generic rule answered using the precise rent-charge component and the separate-charge alternative; actual accounting, normal rate, charge, and §5 predicates remain unresolved.” Link P2-C001–C007, C014 and revised E18."],["Original coverage: Q3 ordinary charges/purchase option","C034–C035 coverage row","Preserve status and fact holds; replace pinpoints with 4(d)-5/-6 and 4(i)-5, respectively, with surrounding qualifications from §4."],["Original coverage: Q4 extension timing and all six exceptions","C062–C063/E12 coverage row","Preserve the existing timing analysis; replace the first exception’s unit with rent charge, retain the other five exact conditions, and add the no-automatic-redisclosure qualification."],["Source ledger","P1-S005 and P1-S008","Append the PASS-02 bounded reads and repaired pinpoints. Do not rewrite the original source-access history or retroactively claim PASS-01 read additional annual-CFR pages."],["Read/failure log","Original fresh-read/currentness/pixel assertions","Append §9 below. Original failed routes and pixel limits remain; new successful selected reads do not turn prior failures into successful accesses."],["Crosswalk","Original Q2/Q3/Q4/Q5 links","Q2: C025/C026 → P2-C001–C006, C014. Q3: C034/C035 → P2-C015–C022. Q4: C063 → P2-C007–C014. Q5: affected worksheet and E12/E18 → §§6–7. Other mappings unchanged by this correction."],["Self-check","Original “all six exceptions included,” source-read integrity, and outcome limits","Qualify the original exception check: all six categories were listed, but the first exception’s unit required correction; it is now rent charge. Correct the pinpoint check as recorded here. Do not convert this self-check into independent review or whole-answer acceptance."]]},{"headers":["Worksheet field","Blank entry","Replacement audit instruction","Support"],"index":5,"links":[],"row_links":[[],[],[],[],[],[]],"rows":[["Worksheet field","Blank entry","Replacement audit instruction","Support"],["Separate charge categories","","Distinguish depreciation/other amortized amounts; rent charge and its normal accrual rate; base periodic payment; other periodic-payment components; total periodic payment; above-normal additional accrual; separately added extension charge; late/default/termination charge; ordinary disposition/pickup charge; purchase-option price/fee; and other previously listed categories as applicable. A shared payment date or a label such as “rent” does not make the categories interchangeable.","P2-C001–C006, C015–C022"],["Extension/renegotiation/assumption","","Establish existing covered-lease status and whether the event is continuation, satisfaction/replacement, or assumption. Apply §5’s relevant conditions and all six exceptions. For §5(d)(1), identify whether rent charge decreased; for §5(d)(5), retain average periodic payment. Separately identify the comment 4(q)-4 extension-charge alternatives.","P2-C007–C014"],["Method variables and timing conventions","","Original field retained. When recording comment 4(q)-3 accrual, use rent-charge accrual rate and distinguish it from a periodic-payment amount. Do not rename unrelated contract terms or assume a formula.","P2-C001–C005"],["Ordinary-charge/purchase-option source references","","Attach 4(d)-5 to disposition/pickup examples, 4(d)-6 to optional/location-dependent disposition, and 4(i)-5 to price certainty. Keep charge allocation, option existence, and actual enforceability separate.","P2-C015–C022"],["Source/version/application gaps","","Add the PASS-02 selected-read record. Retain all original annual-CFR, eCFR, history, form-pixel, contract, and application holds.","P2-C023"]]},{"headers":["Example","Stipulated facts","Correct rule-specific result versus unknown","Needed audit evidence / adverse error"],"index":6,"links":[],"row_links":[[],[],[],[],[],[],[],[]],"rows":[["Example","Stipulated facts","Correct rule-specific result versus unknown","Needed audit evidence / adverse error"],["Replacement R015-P1-E12 — Extension versus renegotiation","An existing covered lease continues beyond its original end; whether it was satisfied/replaced and what components changed are unknown. A lower periodic payment may be present.","Classify the event under §5 before deciding new-disclosure duties. A lower periodic payment alone does not establish a rent-charge reduction under §5(d)(1). Failure to establish that exception alone does not establish a duty either: the triggering definitions and all other exceptions remain relevant.","Needed: transaction classification, duration, changes, and the component actually reduced. Error: treating any lower payment as the rent-charge exception, or treating its absence as automatic redisclosure. P2-C007–C014."],["Replacement R015-P1-E18 — Normal versus increased rent-charge accrual","In a simple-interest accounting lease, additional rent charge accrues because payment is late; alternatively, it continues after termination because property is not returned. A further branch uses an above-normal accrual rate.","Apply comment 4(q)-3’s specified normal-accrual classifications. In either above-normal-rate branch, disclose the additional amount or method under §4(q). The entire periodic payment is not the comparison unit. No amount’s lawfulness is established.","Needed: accounting terms, normal rent-charge rate, additional rate, cause of accrual, and charge classification. Error: treating all periodic payments as rent charge or all accrual as a penalty. P2-C001–C004, C006."],["R015-P2-E001 — Lower payment, unchanged rent charge","The total periodic payment decreases solely because another periodic-payment component decreases; rent charge is stipulated unchanged.","That fact does not satisfy the rent-charge-reduction condition in §5(d)(1). Whether new disclosures are required remains dependent on the actual §5 event and other exceptions.","Needed: component breakdown and change classification. Error: using the payment total as the statutory/regulatory unit. P2-C001, C007–C014."],["R015-P2-E002 — Rent-charge reduction","The stipulated change to an existing covered lease is a reduction in its rent-charge component.","Section 5(d)(1) supplies the stated exception to new disclosures, even if the change meets the renegotiation/extension definition. This does not approve any separate charge or establish all actual facts.","Needed: evidence that the changed component is rent charge. Error: confusing this limited exception with approval of every modification or fee. P2-C008, C014."],["R015-P2-E003 — Separately added extension charge","An extension charge is added separately. No comparison showing it exceeds the total periodic payment is stipulated.","The separately-added alternative in comment 4(q)-4 does not require that comparison. Its §4(q) disclosure classification does not alone establish a new §5 disclosure package or a lawful fee.","Needed: charge trigger and separate-addition treatment, plus independent §5 predicates. Error: adding an unwritten “must exceed the whole payment” requirement. P2-C005–C007, C014."],["R015-P2-E004 — Disposition pinpoint","A generic description discusses scheduled-end pickup/disposition and a normal-operation choice among return locations with different fees.","Cite 4(d)-5 for the basic examples and 4(d)-6 for the location rule, highest-fee disclosure, permitted explanation, and default-location qualification.","Needed: correct proposition-to-comment mapping; actual fee facts remain absent. Error: citing comments 1–3 as the examples’ location or treating every location fee as ordinary. P2-C015–C018."],["R015-P2-E005 — Purchase-price pinpoint","A generic disclosure states only that option price will be a negotiated price or fair market value, without a sufficiently informative independent-source reference.","The price-certainty issue belongs to 4(i)-5. Comments 3–4 address fee/tax allocation and do not supply the missing certainty rule. This example does not decide an actual option’s existence.","Needed: actual price/reference wording if application were authorized. Error: attributing certainty to comments 1–4 or equating a bid opportunity with an option without the comment’s conditions. P2-C019–C022."]]},{"headers":["Requested item or dependency","Status","Answer/replacement location","Remaining limitation"],"index":7,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Requested item or dependency","Status","Answer/replacement location","Remaining limitation"],["1 — Complete comment 4(q)-3","Answered","P2-C002–C004; replacement C025; revised E18","Accounting method, accrual cause/rate, and actual charge remain unknown"],["1 — Complete comment 4(q)-4","Answered","P2-C005; replacement C026","Separate-charge and excess-rent-charge alternatives preserved; no actual application"],["1 — Complete §4(f)(6) and component distinction","Answered","P2-C001; S001/S003","No numerical model or total-financing-cost/APR inference"],["1 — §5(d)(1)","Answered","P2-C008; replacement C063","Lower periodic payment alone is insufficient to establish this exception"],["1 — Other five §5(d) exceptions","Answered individually","P2-C009–C013; complete C063 replacement","Every condition retained; no court or contract inquiry"],["1 — Existing-covered-lease condition","Answered","P2-C007; fresh comment 5-1","Actual original coverage and replacement/continuation remain unresolved"],["1 — Reasonableness preserved","Answered as boundary","P2-C006; C025/C026 replacements","No charge approval or actual harm/loss/remedy finding"],["1 — No automatic redisclosure inference","Answered","P2-C014; E12/P2-E001–E003","Actual §5 trigger and every applicable exception still required"],["2 — Complete §4(d), comments 1–6","Answered","S001/S003; P2-C015–C018; §4 map","No actual fee classification or validity determination"],["2 — Complete §4(i), comments 1–5","Answered","S001/S003; P2-C019–C022; §4 map","Option existence, price, and applicable law remain held"],["2 — Disposition/pickup pinpoint","Corrected","C034 replacement; comment 4(d)-5","Substantive original distinction retained"],["2 — Optional-disposition pinpoint/conditions","Corrected","C034 qualification; comment 4(d)-6","Highest-fee and default-location conditions retained"],["2 — Purchase-price certainty pinpoint","Corrected","C035 replacement; comment 4(i)-5","No new state-law or enforceability conclusion"],["2 — No global “rent” substitution","Answered","§4 concluding note; P2-C001/C012","Average periodic payment and other distinct expressions remain intact"],["3 — Late/default event-comparison rows","Corrected/qualified","§5 dependency ledger","Original enforcement holds unaffected"],["3 — Extension/replacement comparison","Corrected","§5 dependency ledger","Disclosure classification and new-disclosure determination remain separate"],["3 — Ordinary-end charge comparisons","Pinpoints corrected","§5 dependency ledger","Open/closed-end and residual analyses not reopened"],["3 — Purchase-option comparison","Pinpoints corrected","§5 dependency ledger","No actual purchase right/price conclusion"],["3 — Request table","Explicitly unchanged","§5 dependency ledger","No new request trigger, recipient, response period, or deadline"],["3 — Worksheet separate-charge field","Replaced, blank","§6 first row","No actual amounts entered"],["3 — Worksheet extension field","Replaced, blank","§6 second row","All classification/exception facts remain blank"],["3 — Other affected worksheet references","Limited terminology/pinpoint updates","§6 remaining rows","No generalized contract-word replacement"],["3 — E12","Replaced","§7","No automatic exception or redisclosure conclusion"],["3 — E18","Replaced","§7","Rent charge/rate separated from periodic payment"],["3 — Relevant other original examples","Explicitly unchanged in substance","§5 example-dependency row","Unchanged is not whole-example/source reapproval"],["3 — Q2 simple-interest/extension coverage","Corrected","§5 coverage-effect row","Actual accounting and charge facts remain held"],["3 — Q3 ordinary charges/purchase option","Pinpoints corrected","§5 coverage-effect row","Original fact/state holds preserved"],["3 — Q4 six-exception coverage","Corrected","§5 coverage-effect row","First exception’s unit corrected; other conditions retained"],["3 — Source ledger/read log","Addendum supplied","§§1 and 9","Original access history is not rewritten"],["3 — Crosswalk","Bounded mapping supplied","§5 crosswalk row","Other original mappings outside this correction"],["3 — Self-check assertions","Corrected/qualified","§§5 and 10","No independent-review claim"],["4 — Required sources, atomic claims, issue/effect table","Supplied","§§1–5","Same-document presentations grouped; status travels with replacements"],["4 — Qualitative branches","Supplied","§7","No identifiers, amounts, deadlines, or actual outcomes"],["4 — Currentness/pixel/application/parent holds","Preserved","S005; §§9–11","Not resolved or accepted by this correction"]]},{"headers":["Item","PASS-02 execution and evidence status","What is not established"],"index":8,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Item","PASS-02 execution and evidence status","What is not established"],["Supplied five claim cells","Used to identify exact correction targets; compared with fresh primary text.","No saved-file access, hash, import, or capture validation."],["CFPB §4 and commentary","Complete requested clauses/comment groups freshly read, including the final higher-rate sentence in 4(q)-3 and both alternatives in 4(q)-4.","Not a whole-part or whole-source review."],["CFPB §5 and coverage comment","All six exceptions and the existing-covered-lease comment freshly read.","No actual renegotiation, extension, assumption, or redisclosure decision."],["2025 official annual CFR","Selected operative passages and comments freshly read at the printed pages and zero-based indices listed in S003.","Historical edition, not current 2026 annual verification. Newly selected pages are not retroactively attributed to PASS-01."],["Comparison with supplied correction context","Fresh text agrees on the rent-charge unit and corrected comment numbers.","No substantive disagreement requiring a contrary quotation was found."],["New retrieval failures","None in the bounded successful reads recorded in S001–S004.","This does not cure earlier failures or establish universal availability."],["Original eCFR/2026 annual failures","Carried forward; not retried in PASS-02.","No claim to have read their bodies, bypassed an access gate, or resolved the gap."],["Publication metadata","Current-page labels and index date/disclaimer read.","January 1, 2026 is not asserted to be the effective date of these particular correction clauses."],["Pixels/forms","No screenshots or form-image inspection undertaken in PASS-02.","Parsed PDF text is not pixels; all original form/pixel limits remain."],["Other authorities","No new final-rule history, Board counterpart, guidance, opinion, or state-law investigation was necessary for this correction.","No new amendment-history, guidance-status, case-history, or jurisdictional conclusion."],["External/private activity","No contract/record query, identifier entry, contact, filing, purchase, account change, publication, local file, or coordinator-record operation.","No individualized result or execution beyond this visible correction."]]},{"headers":["Check","Bounded result"],"index":9,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Check","Bounded result"],["Correct legal unit","Rent charge retained in comments 4(q)-3/-4 and §5(d)(1); periodic-payment terms preserved where the rule uses them."],["Normal versus above-normal accrual","Both normal-accrual scenarios and the final higher-rate qualification retained."],["Extension alternatives","“Exceeds rent charge” and “added separately” remain alternative predicates."],["Six exceptions","All six reproduced with their complete material conditions; the first is corrected from broad rent reduction to rent-charge reduction."],["Existing coverage and actual facts","Comment 5-1 and transaction-classification conditions preserved."],["Reasonableness and lawfulness","All three considerations retained through comment 4(q)-5; no actual charge validated."],["C034 attribution","Normal-operation/exclusions separated from disposition/pickup 4(d)-5 and optional disposition 4(d)-6."],["C035 attribution","Existence/no-option and price/timing separated from certainty 4(i)-5 and fee/tax comments -3/-4."],["Dependencies","Affected comparisons, worksheet fields, E12/E18, coverage, source/read log, crosswalk, and self-check statements addressed."],["Unchanged material","Marked unchanged because these corrections do not affect it—not because the entire original answer was reverified."],["Provenance and visual limits","No saved-file, whole-source, independent-review, or unseen-pixel claim."],["Acceptance","No component, parent, operations, or publication acceptance."]]}],"claims":[{"claim_id":"R015-P2-C001","area_numbers":[15],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R015-P2-C001","Precise corrected claim":"The rent charge is a separately identified component of the motor-vehicle payment calculation.","Exact source pinpoint":"S001 §1013.4(f)(6), with (5), (7), (9)–(11); S003 p.508/index3","Trigger, conditions, exceptions, and limits":"R. Section 4(f)(6) identifies the difference between total base periodic payments over the lease term and depreciation plus any amortized amounts. Base and total periodic payments are separately described. “Rent charge” is therefore not interchangeable with the entire periodic payment or every financing-related cost."},"coordinator_verification_status":"separately_checked_with_stated_source_currentness_and_application_limits","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"accepted_with_limits"},{"claim_id":"R015-P2-C002","area_numbers":[15],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R015-P2-C002","Precise corrected claim":"In a simple-interest accounting lease, additional rent charge accruing on the lease balance because a periodic payment is made after its due date is not a penalty or other late-payment charge under the comment.","Exact source pinpoint":"S001 comment 4(q)-3, first sentence; S003 p.528/index23","Trigger, conditions, exceptions, and limits":"I. Preserve the specified accounting method, lease-balance accrual, and late-payment cause. The higher-rate qualification in C004 must also be applied."},"coordinator_verification_status":"separately_checked_with_stated_source_currentness_and_application_limits","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"accepted_with_limits"},{"claim_id":"R015-P2-C003","area_numbers":[15],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R015-P2-C003","Precise corrected claim":"Continued accrual of the rent charge after termination because the lessee fails to return the property is not characterized as a default charge under the same comment.","Exact source pinpoint":"S001 comment 4(q)-3, second sentence; S003 p.528/index23","Trigger, conditions, exceptions, and limits":"I. This is the specified nonreturn scenario, not a universal classification of every post-termination amount. C004 remains relevant."},"coordinator_verification_status":"separately_checked_with_stated_source_currentness_and_application_limits","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"accepted_with_limits"},{"claim_id":"R015-P2-C004","area_numbers":[15],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R015-P2-C004","Precise corrected claim":"In either C002 or C003, an additional charge accruing at a rate higher than the normal rent charge requires disclosure of its amount or determining method under §4(q).","Exact source pinpoint":"S001 comment 4(q)-3, final sentence; S003 p.528/index23","Trigger, conditions, exceptions, and limits":"I. The comparison concerns the normal rent-charge accrual rate. It is not a comparison against the entire periodic-payment amount. No actual rate or lawful charge is determined."},"coordinator_verification_status":"separately_checked_with_stated_source_currentness_and_application_limits","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"accepted_with_limits"},{"claim_id":"R015-P2-C005","area_numbers":[15],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R015-P2-C005","Precise corrected claim":"Extension charges that exceed the rent charge in a simple-interest accounting lease or are added separately are disclosed under §4(q).","Exact source pinpoint":"S001 comment 4(q)-4; S003 p.528/index23","Trigger, conditions, exceptions, and limits":"I. Preserve both stated alternatives. Do not turn “or” into a requirement that a separately added charge also exceed rent charge or the total periodic payment."},"coordinator_verification_status":"separately_checked_with_stated_source_currentness_and_application_limits","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"accepted_with_limits"},{"claim_id":"R015-P2-C006","area_numbers":[15],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R015-P2-C006","Precise corrected claim":"The charge-reasonableness boundary remains intact.","Exact source pinpoint":"S001 §4(q), comment 4(q)-5; S003 pp.509–510 and p.528","Trigger, conditions, exceptions, and limits":"R/I. The comment restates the statutory considerations: anticipated or actual harm from the event, difficulties proving loss, and inconvenience or nonfeasibility of otherwise obtaining an adequate remedy. Disclosure classification does not decide substantive lawfulness."},"coordinator_verification_status":"separately_checked_with_stated_source_currentness_and_application_limits","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"accepted_with_limits"},{"claim_id":"R015-P2-C007","area_numbers":[15],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R015-P2-C007","Precise corrected claim":"Section 5 applies to existing leases covered by Regulation M; renegotiation and extension have their own predicates.","Exact source pinpoint":"S002 §5(a)–(b), comment 5-1; S003 p.510 and p.528","Trigger, conditions, exceptions, and limits":"R/I. Satisfaction/replacement is determined under state or other applicable law. Comment 5-1 excludes renegotiation/extension of initially four-month-or-shorter leases from §5. No actual classification is made."},"coordinator_verification_status":"separately_checked_with_stated_source_currentness_and_application_limits","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"accepted_with_limits"},{"claim_id":"R015-P2-C008","area_numbers":[15],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R015-P2-C008","Precise corrected claim":"Section 5(d)(1) exempts a reduction in the rent charge from new disclosures, even if the change meets the renegotiation/extension definition.","Exact source pinpoint":"S002 §5(d) introductory text and (d)(1); S003 p.510/index5","Trigger, conditions, exceptions, and limits":"R; limited INF. A lower periodic payment alone does not establish this particular predicate, because the payment includes distinct components. Failure to establish this exception alone also does not establish that new disclosures are required."},"coordinator_verification_status":"separately_checked_with_stated_source_currentness_and_application_limits","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"accepted_with_limits"},{"claim_id":"R015-P2-C009","area_numbers":[15],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R015-P2-C009","Precise corrected claim":"Deferment of one or more payments is a specified new-disclosure exception, whether or not a fee is charged.","Exact source pinpoint":"S002 §5(d)(2); S003 p.510/index5","Trigger, conditions, exceptions, and limits":"R. This preserves the exact fee/no-fee condition; it does not approve the fee."},"coordinator_verification_status":"separately_checked_with_stated_source_currentness_and_application_limits","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"accepted_with_limits"},{"claim_id":"R015-P2-C010","area_numbers":[15],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R015-P2-C010","Precise corrected claim":"An extension of no more than six months, month-to-month or otherwise, is a specified exception.","Exact source pinpoint":"S002 §5(d)(3); S003 p.510/index5","Trigger, conditions, exceptions, and limits":"R. Existing coverage and the actual extension remain necessary; no actual calendar calculation."},"coordinator_verification_status":"separately_checked_with_stated_source_currentness_and_application_limits","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"accepted_with_limits"},{"claim_id":"R015-P2-C011","area_numbers":[15],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R015-P2-C011","Precise corrected claim":"Substituting property of substantially equivalent or greater economic value is a specified exception provided no other lease terms change.","Exact source pinpoint":"S002 §5(d)(4); S003 p.510/index5","Trigger, conditions, exceptions, and limits":"R. Both the value condition and the no-other-term-change condition must be preserved."},"coordinator_verification_status":"separately_checked_with_stated_source_currentness_and_application_limits","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"accepted_with_limits"},{"claim_id":"R015-P2-C012","area_numbers":[15],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R015-P2-C012","Precise corrected claim":"Adding, deleting, or substituting property in a multiple-item lease is a specified exception if the average periodic payment changes by no more than 25 percent.","Exact source pinpoint":"S002 §5(d)(5); S003 p.510/index5","Trigger, conditions, exceptions, and limits":"R. The unit here remains average periodic payment. It must not be globally replaced by rent charge. The text addresses change, not only increases."},"coordinator_verification_status":"separately_checked_with_stated_source_currentness_and_application_limits","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"accepted_with_limits"},{"claim_id":"R015-P2-C013","area_numbers":[15],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R015-P2-C013","Precise corrected claim":"An agreement resulting from a court proceeding is the sixth specified exception.","Exact source pinpoint":"S002 §5(d)(6); S003 p.510/index5","Trigger, conditions, exceptions, and limits":"R. No proceeding, agreement, case record, or application is investigated."},"coordinator_verification_status":"separately_checked_with_stated_source_currentness_and_application_limits","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"accepted_with_limits"},{"claim_id":"R015-P2-C014","area_numbers":[15],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R015-P2-C014","Precise corrected claim":"A §4(q) charge-disclosure classification and a §5 new-disclosure determination are separate inquiries.","Exact source pinpoint":"S001 comment 4(q)-4; S002 §5(a)–(d), comment 5-1","Trigger, conditions, exceptions, and limits":"INF from the provisions’ distinct functions. A separately added extension charge does not alone establish that an entirely new disclosure package is required. A §5 exception does not independently authorize that charge."},"coordinator_verification_status":"separately_checked_with_stated_source_currentness_and_application_limits","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"accepted_with_limits"},{"claim_id":"R015-P2-C015","area_numbers":[15],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R015-P2-C015","Precise corrected claim":"Section 4(d) addresses itemized other charges payable to the lessor that are outside periodic payments and anticipated in normal operation.","Exact source pinpoint":"S001 §4(d), comment 4(d)-1; S003 pp.507–508, p.524/index19","Trigger, conditions, exceptions, and limits":"R/I. The potential residual/realized-value differential is excluded by §4(d)’s text and cross-reference to §4(k). Comment 1 also addresses disclosure when the lessor is unsure whether a fee belongs in this category."},"coordinator_verification_status":"separately_checked_with_stated_source_currentness_and_application_limits","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"accepted_with_limits"},{"claim_id":"R015-P2-C016","area_numbers":[15],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R015-P2-C016","Precise corrected claim":"The exclusions and allocation qualifications for §4(d) are in comments 2–4.","Exact source pinpoint":"S001 comments 4(d)-2–4; S003 pp.524–525/indices19–20","Trigger, conditions, exceptions, and limits":"I. Comment 2 concerns late/default/early-termination/deferment/extension events; comment 3 concerns third-party collections; comment 4 concerns charges required elsewhere. These comments do not supply the disposition/pickup examples."},"coordinator_verification_status":"separately_checked_with_stated_source_currentness_and_application_limits","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"accepted_with_limits"},{"claim_id":"R015-P2-C017","area_numbers":[15],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R015-P2-C017","Precise corrected claim":"Scheduled-end disposition and pickup charges are the examples in comment 4(d)-5.","Exact source pinpoint":"S001 comment 4(d)-5; S003 p.525/index20","Trigger, conditions, exceptions, and limits":"I. Corrects the supporting pinpoint. It does not establish any actual fee’s validity."},"coordinator_verification_status":"separately_checked_with_stated_source_currentness_and_application_limits","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"accepted_with_limits"},{"claim_id":"R015-P2-C018","area_numbers":[15],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R015-P2-C018","Precise corrected claim":"Optional/location-dependent disposition charges are addressed in comment 4(d)-6.","Exact source pinpoint":"S001 comment 4(d)-6; S003 p.525/index20","Trigger, conditions, exceptions, and limits":"I. For the described normal-operation return-location choice, disclose the highest fee; a brief explanation may be added. If the lease treats an out-of-service-area return as default, the charge is not an “other charge” under this comment and may require §4(q) disclosure."},"coordinator_verification_status":"separately_checked_with_stated_source_currentness_and_application_limits","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"accepted_with_limits"},{"claim_id":"R015-P2-C019","area_numbers":[15],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R015-P2-C019","Precise corrected claim":"Purchase-option existence and an affirmative no-option disclosure have their own predicates.","Exact source pinpoint":"S001 §4(i), comments 4(i)-1–2; S003 p.509 and p.526/index21","Trigger, conditions, exceptions, and limits":"R/I. Applicable law determines existence. The comment’s bid example requires both that the lessor need not accept the bid and that the lessee receives no preferential treatment."},"coordinator_verification_status":"separately_checked_with_stated_source_currentness_and_application_limits","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"accepted_with_limits"},{"claim_id":"R015-P2-C020","area_numbers":[15],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R015-P2-C020","Precise corrected claim":"Section 4(i)(1)–(2) separately specifies end-of-term and during-term purchase-option disclosures.","Exact source pinpoint":"S001 §4(i)(1)–(2); S003 p.509/index4","Trigger, conditions, exceptions, and limits":"R. End: purchase price. During term: price or method for determining it and when exercisable. No purchase right or actual price is created here."},"coordinator_verification_status":"separately_checked_with_stated_source_currentness_and_application_limits","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"accepted_with_limits"},{"claim_id":"R015-P2-C021","area_numbers":[15],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R015-P2-C021","Precise corrected claim":"Purchase-option price certainty is governed by comment 4(i)-5.","Exact source pinpoint":"S001 comment 4(i)-5; S003 p.526/index21","Trigger, conditions, exceptions, and limits":"I. State a sum certain or a future sum certain determined through a readily available independent source, with enough information to determine the actual price when the option becomes available. Bare negotiated-price or fair-market-value labels do not satisfy that rule."},"coordinator_verification_status":"separately_checked_with_stated_source_currentness_and_application_limits","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"accepted_with_limits"},{"claim_id":"R015-P2-C022","area_numbers":[15],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R015-P2-C022","Precise corrected claim":"Purchase-option fees and exercise-related official fees/taxes are addressed in comments 3 and 4, respectively.","Exact source pinpoint":"S001 comments 4(i)-3–4; S003 p.526/index21","Trigger, conditions, exceptions, and limits":"I. These are disclosure-allocation provisions, not the source of price certainty. Their complete alternatives are mapped below; no tax or fee-enforceability analysis is added."},"coordinator_verification_status":"separately_checked_with_stated_source_currentness_and_application_limits","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"accepted_with_limits"},{"claim_id":"R015-P2-C023","area_numbers":[15],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R015-P2-C023","Precise corrected claim":"The correction establishes the specified text and pinpoint repairs, not whole-answer or whole-source verification.","Exact source pinpoint":"S001–S005 and this pass’s read log","Trigger, conditions, exceptions, and limits":"U. Currentness, annual-edition, pixel, application, and parent holds remain. “Unchanged” below means unaffected by these corrections, not independently reapproved."},"coordinator_verification_status":"separately_checked_with_stated_source_currentness_and_application_limits","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"accepted_with_limits"}],"sources":[{"source_id":"R015-P2-S001","urls":["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/1013/4/?utm_source=chatgpt.com","https://www.consumerfinance.gov/rules-policy/regulations/1013/interp-4/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"R015-P2-S001","Issuer/title and complete literal HTTPS URLs":"CFPB — §1013.4, Content of disclosures; Supplement I commentary to §1013.4.\nhttps://www.consumerfinance.gov/rules-policy/regulations/1013/4/\nhttps://www.consumerfinance.gov/rules-policy/regulations/1013/interp-4/","Fresh read bounds and pinpoint information":"Fresh complete material reads: §4(d) and comments 4(d)-1–6; §4(f)(6), with necessary surrounding §4(f)(5), (7)–(11); §4(i), including (1)–(2), and comments 4(i)-1–5; §4(q) and complete comments 4(q)-3–5. Comment 4(q)-2 was also read to preserve the default/early-termination dependency. HTML; printed page/PDF index not applicable.","Version, effectiveness, access, and currentness limits":"Accessed 2026-10-27 PDT. Pages label the presentation current. Section 4 applies to consumer leases subject to the part. This pass does not independently establish the original effective date of every clause or a complete amendment history. Integrated and standalone commentary are two presentations of the same official interpretations. \nConsumer Financial Protection Bureau\n+6"},"coordinator_verification_status":"not_yet_checked","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"accepted_with_limits"},{"source_id":"R015-P2-S002","urls":["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/1013/5/?utm_source=chatgpt.com","https://www.consumerfinance.gov/rules-policy/regulations/1013/interp-5/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"R015-P2-S002","Issuer/title and complete literal HTTPS URLs":"CFPB — §1013.5, Renegotiations, extensions, and assumptions; Supplement I commentary to §1013.5.\nhttps://www.consumerfinance.gov/rules-policy/regulations/1013/5/\nhttps://www.consumerfinance.gov/rules-policy/regulations/1013/interp-5/","Fresh read bounds and pinpoint information":"Fresh complete §5(a)–(d), including the introductory language and all six §5(d)(1)–(6) exceptions. Fresh comment 5-1 establishes existing-covered-lease scope. The displayed extension/renegotiation comments were read for dependency context; no numerical example was adopted. HTML.","Version, effectiveness, access, and currentness limits":"Accessed 2026-10-27 PDT; labeled current. The exceptions operate even where the event meets the definition of renegotiation or extension. Existing coverage, transaction classification, and exception predicates remain necessary. No transaction-specific redisclosure conclusion. \nConsumer Financial Protection Bureau\n+1"},"coordinator_verification_status":"not_yet_checked","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"accepted_with_limits"},{"source_id":"R015-P2-S003","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-P2-S003","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","Fresh read bounds and pinpoint information":"Fresh selected parsed text: §4(d), printed pp.507–508, zero-based PDF indices 2–3; §4(f)(5)–(11), p.508/index3; §4(i), p.509/index4; §4(q), pp.509–510/indices4–5; §5(a)–(d), p.510/index5. Commentary: 4(d)-1–6, pp.524–525/indices19–20; 4(i)-1–5, p.526/index21; 4(q)-2–5 and 5-1, p.528/index23.","Version, effectiveness, access, and currentness limits":"January 1, 2025 annual edition, accessed 2026-10-27 PDT. The selected words and comment numbers agree with the current agency presentation on this correction. Historical codification only; no inference that the entire part is unchanged through the verification date. No pixels, full-form review, or whole-PDF review claimed. \ngovinfo.gov\n+4"},"coordinator_verification_status":"not_yet_checked","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"accepted_with_limits"},{"source_id":"R015-P2-S004","urls":["https://www.consumerfinance.gov/rules-policy/regulations/1013/","https://www.consumerfinance.gov/rules-policy/regulations/1013/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"R015-P2-S004","Issuer/title and complete literal HTTPS URLs":"CFPB — Regulation M index and publisher notice.\nhttps://www.consumerfinance.gov/rules-policy/regulations/1013/","Fresh read bounds and pinpoint information":"Fresh metadata read: “Most recently amended Jan. 1, 2026” and the notice distinguishing the resource from official legal editions of the CFR/Federal Register. HTML.","Version, effectiveness, access, and currentness limits":"Accessed 2026-10-27 PDT. This is publication metadata, not proof that the corrected clauses themselves became effective January 1, 2026, and not a complete section-history audit. \nConsumer Financial Protection Bureau"},"coordinator_verification_status":"not_yet_checked","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"accepted_with_limits"},{"source_id":"R015-P2-S005","urls":["https://www.ecfr.gov/current/title-12/chapter-X/part-1013","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-vol3/pdf/CFR-2026-title12-vol3-part213.pdf","https://www.ecfr.gov/current/title-12/chapter-X/part-1013?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"R015-P2-S005","Issuer/title and complete literal HTTPS URLs":"Carried-forward unavailable official routes; not retried in PASS-02.\nhttps://www.ecfr.gov/current/title-12/chapter-X/part-1013\nhttps://www.govinfo.gov/content/pkg/CFR-2026-title12-vol8/pdf/CFR-2026-title12-vol8-part1013.pdf\nhttps://www.govinfo.gov/content/pkg/CFR-2026-title12-vol3/pdf/CFR-2026-title12-vol3-part213.pdf","Fresh read bounds and pinpoint information":"No PASS-02 body read or access attempt. These identify the original eCFR/2026 annual-edition retrieval holds.","Version, effectiveness, access, and currentness limits":"Original failures remain failures as recorded in PASS-01; this correction does not resolve them. No access-gate workaround, no inference of nonexistence, and no fresh part 213 counterpart verification."},"coordinator_verification_status":"not_yet_checked","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"preserved_unresolved_source_hold"}],"coverage":[{"topic":"1 — Complete comment 4(q)-3","researcher_record":{"Requested item or dependency":"1 — Complete comment 4(q)-3","Status":"Answered","Answer/replacement location":"P2-C002–C004; replacement C025; revised E18","Remaining limitation":"Accounting method, accrual cause/rate, and actual charge remain unknown"},"raw_table_index":7,"coordinator_acceptance":"bounded_repair_checked_all_other_holds_open","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"accepted_with_limits"},{"topic":"1 — Complete comment 4(q)-4","researcher_record":{"Requested item or dependency":"1 — Complete comment 4(q)-4","Status":"Answered","Answer/replacement location":"P2-C005; replacement C026","Remaining limitation":"Separate-charge and excess-rent-charge alternatives preserved; no actual application"},"raw_table_index":7,"coordinator_acceptance":"bounded_repair_checked_all_other_holds_open","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"accepted_with_limits"},{"topic":"1 — Complete §4(f)(6) and component distinction","researcher_record":{"Requested item or dependency":"1 — Complete §4(f)(6) and component distinction","Status":"Answered","Answer/replacement location":"P2-C001; S001/S003","Remaining limitation":"No numerical model or total-financing-cost/APR inference"},"raw_table_index":7,"coordinator_acceptance":"bounded_repair_checked_all_other_holds_open","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"accepted_with_limits"},{"topic":"1 — §5(d)(1)","researcher_record":{"Requested item or dependency":"1 — §5(d)(1)","Status":"Answered","Answer/replacement location":"P2-C008; replacement C063","Remaining limitation":"Lower periodic payment alone is insufficient to establish this exception"},"raw_table_index":7,"coordinator_acceptance":"bounded_repair_checked_all_other_holds_open","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"accepted_with_limits"},{"topic":"1 — Other five §5(d) exceptions","researcher_record":{"Requested item or dependency":"1 — Other five §5(d) exceptions","Status":"Answered individually","Answer/replacement location":"P2-C009–C013; complete C063 replacement","Remaining limitation":"Every condition retained; no court or contract inquiry"},"raw_table_index":7,"coordinator_acceptance":"bounded_repair_checked_all_other_holds_open","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"accepted_with_limits"},{"topic":"1 — Existing-covered-lease condition","researcher_record":{"Requested item or dependency":"1 — Existing-covered-lease condition","Status":"Answered","Answer/replacement location":"P2-C007; fresh comment 5-1","Remaining limitation":"Actual original coverage and replacement/continuation remain unresolved"},"raw_table_index":7,"coordinator_acceptance":"bounded_repair_checked_all_other_holds_open","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"accepted_with_limits"},{"topic":"1 — Reasonableness preserved","researcher_record":{"Requested item or dependency":"1 — Reasonableness preserved","Status":"Answered as boundary","Answer/replacement location":"P2-C006; C025/C026 replacements","Remaining limitation":"No charge approval or actual harm/loss/remedy finding"},"raw_table_index":7,"coordinator_acceptance":"bounded_repair_checked_all_other_holds_open","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"accepted_with_limits"},{"topic":"1 — No automatic redisclosure inference","researcher_record":{"Requested item or dependency":"1 — No automatic redisclosure inference","Status":"Answered","Answer/replacement location":"P2-C014; E12/P2-E001–E003","Remaining limitation":"Actual §5 trigger and every applicable exception still required"},"raw_table_index":7,"coordinator_acceptance":"bounded_repair_checked_all_other_holds_open","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"accepted_with_limits"},{"topic":"2 — Complete §4(d), comments 1–6","researcher_record":{"Requested item or dependency":"2 — Complete §4(d), comments 1–6","Status":"Answered","Answer/replacement location":"S001/S003; P2-C015–C018; §4 map","Remaining limitation":"No actual fee classification or validity determination"},"raw_table_index":7,"coordinator_acceptance":"bounded_repair_checked_all_other_holds_open","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"accepted_with_limits"},{"topic":"2 — Complete §4(i), comments 1–5","researcher_record":{"Requested item or dependency":"2 — Complete §4(i), comments 1–5","Status":"Answered","Answer/replacement location":"S001/S003; P2-C019–C022; §4 map","Remaining limitation":"Option existence, price, and applicable law remain held"},"raw_table_index":7,"coordinator_acceptance":"bounded_repair_checked_all_other_holds_open","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"accepted_with_limits"},{"topic":"2 — Disposition/pickup pinpoint","researcher_record":{"Requested item or dependency":"2 — Disposition/pickup pinpoint","Status":"Corrected","Answer/replacement location":"C034 replacement; comment 4(d)-5","Remaining limitation":"Substantive original distinction retained"},"raw_table_index":7,"coordinator_acceptance":"bounded_repair_checked_all_other_holds_open","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"accepted_with_limits"},{"topic":"2 — Optional-disposition pinpoint/conditions","researcher_record":{"Requested item or dependency":"2 — Optional-disposition pinpoint/conditions","Status":"Corrected","Answer/replacement location":"C034 qualification; comment 4(d)-6","Remaining limitation":"Highest-fee and default-location conditions retained"},"raw_table_index":7,"coordinator_acceptance":"bounded_repair_checked_all_other_holds_open","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"accepted_with_limits"},{"topic":"2 — Purchase-price certainty pinpoint","researcher_record":{"Requested item or dependency":"2 — Purchase-price certainty pinpoint","Status":"Corrected","Answer/replacement location":"C035 replacement; comment 4(i)-5","Remaining limitation":"No new state-law or enforceability conclusion"},"raw_table_index":7,"coordinator_acceptance":"bounded_repair_checked_all_other_holds_open","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"accepted_with_limits"},{"topic":"2 — No global “rent” substitution","researcher_record":{"Requested item or dependency":"2 — No global “rent” substitution","Status":"Answered","Answer/replacement location":"§4 concluding note; P2-C001/C012","Remaining limitation":"Average periodic payment and other distinct expressions remain intact"},"raw_table_index":7,"coordinator_acceptance":"bounded_repair_checked_all_other_holds_open","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"accepted_with_limits"},{"topic":"3 — Late/default event-comparison rows","researcher_record":{"Requested item or dependency":"3 — Late/default event-comparison rows","Status":"Corrected/qualified","Answer/replacement location":"§5 dependency ledger","Remaining limitation":"Original enforcement holds unaffected"},"raw_table_index":7,"coordinator_acceptance":"bounded_repair_checked_all_other_holds_open","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"accepted_with_limits"},{"topic":"3 — Extension/replacement comparison","researcher_record":{"Requested item or dependency":"3 — Extension/replacement comparison","Status":"Corrected","Answer/replacement location":"§5 dependency ledger","Remaining limitation":"Disclosure classification and new-disclosure determination remain separate"},"raw_table_index":7,"coordinator_acceptance":"bounded_repair_checked_all_other_holds_open","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"accepted_with_limits"},{"topic":"3 — Ordinary-end charge comparisons","researcher_record":{"Requested item or dependency":"3 — Ordinary-end charge comparisons","Status":"Pinpoints corrected","Answer/replacement location":"§5 dependency ledger","Remaining limitation":"Open/closed-end and residual analyses not reopened"},"raw_table_index":7,"coordinator_acceptance":"bounded_repair_checked_all_other_holds_open","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"accepted_with_limits"},{"topic":"3 — Purchase-option comparison","researcher_record":{"Requested item or dependency":"3 — Purchase-option comparison","Status":"Pinpoints corrected","Answer/replacement location":"§5 dependency ledger","Remaining limitation":"No actual purchase right/price conclusion"},"raw_table_index":7,"coordinator_acceptance":"bounded_repair_checked_all_other_holds_open","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"accepted_with_limits"},{"topic":"3 — Request table","researcher_record":{"Requested item or dependency":"3 — Request table","Status":"Explicitly unchanged","Answer/replacement location":"§5 dependency ledger","Remaining limitation":"No new request trigger, recipient, response period, or deadline"},"raw_table_index":7,"coordinator_acceptance":"bounded_repair_checked_all_other_holds_open","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"accepted_with_limits"},{"topic":"3 — Worksheet separate-charge field","researcher_record":{"Requested item or dependency":"3 — Worksheet separate-charge field","Status":"Replaced, blank","Answer/replacement location":"§6 first row","Remaining limitation":"No actual amounts entered"},"raw_table_index":7,"coordinator_acceptance":"bounded_repair_checked_all_other_holds_open","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"accepted_with_limits"},{"topic":"3 — Worksheet extension field","researcher_record":{"Requested item or dependency":"3 — Worksheet extension field","Status":"Replaced, blank","Answer/replacement location":"§6 second row","Remaining limitation":"All classification/exception facts remain blank"},"raw_table_index":7,"coordinator_acceptance":"bounded_repair_checked_all_other_holds_open","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"accepted_with_limits"},{"topic":"3 — Other affected worksheet references","researcher_record":{"Requested item or dependency":"3 — Other affected worksheet references","Status":"Limited terminology/pinpoint updates","Answer/replacement location":"§6 remaining rows","Remaining limitation":"No generalized contract-word replacement"},"raw_table_index":7,"coordinator_acceptance":"bounded_repair_checked_all_other_holds_open","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"accepted_with_limits"},{"topic":"3 — E12","researcher_record":{"Requested item or dependency":"3 — E12","Status":"Replaced","Answer/replacement location":"§7","Remaining limitation":"No automatic exception or redisclosure conclusion"},"raw_table_index":7,"coordinator_acceptance":"bounded_repair_checked_all_other_holds_open","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"accepted_with_limits"},{"topic":"3 — E18","researcher_record":{"Requested item or dependency":"3 — E18","Status":"Replaced","Answer/replacement location":"§7","Remaining limitation":"Rent charge/rate separated from periodic payment"},"raw_table_index":7,"coordinator_acceptance":"bounded_repair_checked_all_other_holds_open","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"accepted_with_limits"},{"topic":"3 — Relevant other original examples","researcher_record":{"Requested item or dependency":"3 — Relevant other original examples","Status":"Explicitly unchanged in substance","Answer/replacement location":"§5 example-dependency row","Remaining limitation":"Unchanged is not whole-example/source reapproval"},"raw_table_index":7,"coordinator_acceptance":"bounded_repair_checked_all_other_holds_open","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"accepted_with_limits"},{"topic":"3 — Q2 simple-interest/extension coverage","researcher_record":{"Requested item or dependency":"3 — Q2 simple-interest/extension coverage","Status":"Corrected","Answer/replacement location":"§5 coverage-effect row","Remaining limitation":"Actual accounting and charge facts remain held"},"raw_table_index":7,"coordinator_acceptance":"bounded_repair_checked_all_other_holds_open","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"accepted_with_limits"},{"topic":"3 — Q3 ordinary charges/purchase option","researcher_record":{"Requested item or dependency":"3 — Q3 ordinary charges/purchase option","Status":"Pinpoints corrected","Answer/replacement location":"§5 coverage-effect row","Remaining limitation":"Original fact/state holds preserved"},"raw_table_index":7,"coordinator_acceptance":"bounded_repair_checked_all_other_holds_open","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"accepted_with_limits"},{"topic":"3 — Q4 six-exception coverage","researcher_record":{"Requested item or dependency":"3 — Q4 six-exception coverage","Status":"Corrected","Answer/replacement location":"§5 coverage-effect row","Remaining limitation":"First exception’s unit corrected; other conditions retained"},"raw_table_index":7,"coordinator_acceptance":"bounded_repair_checked_all_other_holds_open","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"accepted_with_limits"},{"topic":"3 — Source ledger/read log","researcher_record":{"Requested item or dependency":"3 — Source ledger/read log","Status":"Addendum supplied","Answer/replacement location":"§§1 and 9","Remaining limitation":"Original access history is not rewritten"},"raw_table_index":7,"coordinator_acceptance":"bounded_repair_checked_all_other_holds_open","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"accepted_with_limits"},{"topic":"3 — Crosswalk","researcher_record":{"Requested item or dependency":"3 — Crosswalk","Status":"Bounded mapping supplied","Answer/replacement location":"§5 crosswalk row","Remaining limitation":"Other original mappings outside this correction"},"raw_table_index":7,"coordinator_acceptance":"bounded_repair_checked_all_other_holds_open","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"accepted_with_limits"},{"topic":"3 — Self-check assertions","researcher_record":{"Requested item or dependency":"3 — Self-check assertions","Status":"Corrected/qualified","Answer/replacement location":"§§5 and 10","Remaining limitation":"No independent-review claim"},"raw_table_index":7,"coordinator_acceptance":"bounded_repair_checked_all_other_holds_open","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"accepted_with_limits"},{"topic":"4 — Required sources, atomic claims, issue/effect table","researcher_record":{"Requested item or dependency":"4 — Required sources, atomic claims, issue/effect table","Status":"Supplied","Answer/replacement location":"§§1–5","Remaining limitation":"Same-document presentations grouped; status travels with replacements"},"raw_table_index":7,"coordinator_acceptance":"bounded_repair_checked_all_other_holds_open","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"accepted_with_limits"},{"topic":"4 — Qualitative branches","researcher_record":{"Requested item or dependency":"4 — Qualitative branches","Status":"Supplied","Answer/replacement location":"§7","Remaining limitation":"No identifiers, amounts, deadlines, or actual outcomes"},"raw_table_index":7,"coordinator_acceptance":"bounded_repair_checked_all_other_holds_open","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"accepted_with_limits"},{"topic":"4 — Currentness/pixel/application/parent holds","researcher_record":{"Requested item or dependency":"4 — Currentness/pixel/application/parent holds","Status":"Preserved","Answer/replacement location":"S005; §§9–11","Remaining limitation":"Not resolved or accepted by this correction"},"raw_table_index":7,"coordinator_acceptance":"bounded_repair_checked_all_other_holds_open","coordinator_review_file":"[internal evidence reference]","coordinator_review_status":"accepted_with_limits"}],"annotations":{},"corrections":[],"resolved_corrections":[],"review_history":[]}