{"meta":{"key":"r018--pass-01","task":"R018","title":"First focused A018 component: US federal private education loan classification, disclosures, acceptance, and cancellation","parent_title":"Private education and school debts","edition":"pass-01","path":"/research/r018--pass-01/","kind":"split_pass","category":"subject","role":"primary_area","area_numbers":[18],"groups":["debt-types"],"date":"2026-10-27","tables":15,"claims":86,"sources":33,"review_status":"reviewed_scoped_partial_with_holds","review_complete":true,"sha256":"e0f5350220a5ea19b13ab3318f4c8503968ae2f8fb3d1426d0d0c94603cf755c","headings":["First focused A018 component: US federal private education loan classification, disclosures, acceptance, and cancellation","Reading and status conventions","1. Provision-specific stage comparison","Each relevant clock","2. Atomic claim table","A. Classification, actors, institutions, and expenses","B. Triggers, clocks, acceptance, changes, cancellation, and disbursement","C. Exact content, estimates, and presentation","D. Multiple parties, electronic delivery, self-certification, and models","E. Remaining §1026.48 provisions, history, and currentness","3. Model and self-certification comparison","4. Clearly hypothetical qualitative branches","5. Blank generic document audit worksheet","6. Source table — complete literal HTTPS URLs, read bounds, versions, and limits","Common metadata applicable to every row","7. Granular coverage table","8. Question → claim/source crosswalk","9. Read and failure log","Explicit unopened or incomplete cross-references","10. Self-check — not independent review","11. Specific parent holds preserved"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"R018/pass-01","facets":{"geography":["us","us-federal"],"debt_type":["student","unknown"],"stage":["origination"],"subject":["definitions-classification","agreements-disclosures","education-programs"]},"scope":"SettleADebt R018 PASS-01 — FIRST FOCUSED A018 COMPONENT: US FEDERAL PRIVATE EDUCATION LOAN CLASSIFICATION, APPLICATION/APPROVAL/FINAL DISCLOSURES, ACCEPTANCE AND CANCELLATION RIGHTS UNDER TILA AND REGULATION Z. Independently investigate generic published authorities and official interpretations. A018 includes private education loans, cosigners, institutional loans, tuition arrears/plans, income-share arrangements, scholarship repayment, aid overpayments and transcripts. Preserve unaddressed dimensions. No unreviewed report or prior chat is a foundation; this does not research ED federal-loan collection or duplicate R017/T006.","pending_corrections":0},"markdown":"# SettleADebt R018 PASS-01\n\n## First focused A018 component: US federal private education loan classification, disclosures, acceptance, and cancellation\n\n**The controlling regulatory sequence is classification → application or solicitation disclosure → approval disclosure and acceptance opportunity → acceptance → final disclosure → cancellation period → permissible disbursement.** Each step has its own conditions. An education-related label does not establish coverage, approval does not itself establish acceptance, and acceptance does not eliminate the final disclosure or cancellation requirements. [ecfr.gov+1](https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-F?utm_source=chatgpt.com)\n\n**The most consequential timing distinction is that two different definitions of “business day” apply.** The three-day rule for deemed receipt of mailed disclosures excludes Sundays and statutory public holidays. The three-day cancellation period uses the general definition based on when the creditor conducts substantially all its business functions. The acceptance opportunity is measured in **calendar days**. [Consumer Financial Protection Bureau+2](https://www.consumerfinance.gov/rules-policy/regulations/1026/2/?utm_source=chatgpt.com)\n\n**Actual public-source check date:** October 27, 2026, America/Los_Angeles. A verified clock checkpoint was **16:14:25 PDT**, corresponding to **23:14:25 UTC**. The source bodies and subsequent targeted checks described below were accessed on that date.\n\nThis is a fresh, generic primary-authority investigation. No prior report or chat supplies a foundation. No student, institution, lender, borrower, cosigner, account, property, entity, license, case record, or docket was searched. No identifier was entered to test a search. No personal deadline, eligibility, creditworthiness, liability, remedy, or compliance determination is made.\n\n### Reading and status conventions\n\n- **L** — statutory text.\n- **R** — regulatory text.\n- **I** — published official interpretation in Regulation Z’s Supplement I.\n- **H** — historical final-rule or transition material, used for its stated historical purpose.\n- **G** — official instructions or agency guidance, distinguished from statute and regulation.\n- **INF** — expressly identified analytical inference.\n- **U** — unresolved authority, version, visual, or factual issue.\n\nAll abbreviated references below—such as **S006**, **C025**, and **E09**—refer to the full **R018-P1-S006**, **R018-P1-C025**, and **R018-P1-E09** identifiers.\n\nThe source table groups related sections and versions. Multiple presentations of the same statute, Regulation Z provision, or 2009 rule are **not independent corroboration**.\n\n## 1. Provision-specific stage comparison\n\nThe recipient rule common to the three disclosure stages is important: where there are multiple consumers, disclosure may be made to any consumer **primarily liable** on the obligation. Delivery solely to a person who is merely a guarantor or surety does not satisfy that description. Multiple creditors arrange for one complete set at each required stage; this does not collapse three stages into one. See C063.\n\n| Stage and operative trigger | Required recipient or actor | Required content | Timing and consequence | Principal claims |\n| --- | --- | --- | --- | --- |\n| **Application or solicitation**: a covered application, or an offer of credit that does not require an application | Creditor provides to the prospective consumer; the multiple-consumer rule remains relevant | §1026.47(a)(1)–(8): offered rates/ranges and variability; fees/default consequences; repayment and deferral terms; prescribed comparative cost examples; age/enrollment criteria; federal-aid alternatives; acceptance-right statement; applicable self-certification statement | On or with the application or solicitation. Telephone and multipurpose-application exceptions are specific, not general exemptions from Subpart F | C019–C020, C043–C050 |\n| **Approval**: any notice that the loan has been approved | Creditor provides to the consumer | Applicable §1026.18 disclosures plus §1026.47(b)(1)–(5): approved rate, fees, principal, repayment estimates, federal alternatives, and specific acceptance-expiration date/method | Before consummation and on or with approval notice. In person: then. Mail: same mailing. Telephone: mail within three general business days. Electronic-only delivery requires applicable E-Sign compliance; otherwise mail within three general business days | C021, C051–C057, C065 |\n| **Acceptance opportunity**: receipt of approval disclosures | Consumer may accept by the disclosed permitted method | The approval disclosure must identify the actual expiration date and acceptance methods | At least 30 calendar days following receipt; creditor may allow longer. Consumer may accept earlier. Mailing an approval is not the receipt trigger. Acceptance by permitted mail is timely upon timely dispatch | C024–C028 |\n| **Acceptance and protection of disclosed terms** | Consumer communicates acceptance; creditor applies §1026.48(c) | No substitute disclosure stage arises merely because the consumer accepts | Required-disclosure terms remain protected until disbursement, subject to enumerated exceptions. The unaccepted offer may expire at the end of the 30-day period. Timely acceptance does not itself end the restriction | C029–C035 |\n| **Final disclosure**: consumer has accepted | Creditor provides to the consumer | Applicable §1026.18 disclosures, §1026.47(b)(1)–(3) information, and the prominent cancellation notice specifying expiration date, methods, and no disbursement before the required period expires | After acceptance. The regulation does not provide a universal fixed number of days after acceptance for sending it. Its receipt starts the cancellation period | C022–C023, C058–C062 |\n| **Cancellation**: receipt of final disclosures | Consumer may cancel using a permitted method; creditor must honor the right | Notice must state the specific cancellation date and methods; permitted mailed cancellation is timely if mailed no later than that date | Until midnight of the third **general business day following receipt**. No cancellation-specific penalty. Certain universally charged application fees need not be refunded under the commentary | C036–C040 |\n| **Disbursement** | Creditor | No new fourth disclosure stage substitutes for the preceding requirements | No funds before the required cancellation period expires. Creditor must be reasonably satisfied that the consumer has not canceled, including allowing for a timely mailed notice where appropriate | C038–C039 |\n| **Self-certification, where applicable** | Creditor obtains the applicant/consumer-signed ED form, directly or through the institution | Required standardized form, cost/aid information, notices, and certification | **Before consummation**, not merely before eventual disbursement. Applicability depends on attendance at an institution of higher education, which is narrower than the broader covered-institution category | C068–C075 |\n\nThese stages implement 15 U.S.C. §1638(e), but the statute and regulation should not be described as using identical event language. The statute speaks of final disclosure at consummation and cancellation within three business days of consummation; the regulation expressly uses acceptance, final-disclosure receipt, and a prohibition on funding before the resulting cancellation period expires. The 2009 final rule addresses that implementation choice. **Consummation remains a separate state-law-dependent event.** [uscode.house.gov+4](https://uscode.house.gov/us/usc/119-118/t15/s1638/?utm_source=chatgpt.com)\n\n### Each relevant clock\n\n| Period or event | Actual unit and definition | Trigger, endpoint, or condition | What must not be assumed |\n| --- | --- | --- | --- |\n| Telephone application/solicitation fallback disclosure | **Three general business days**: creditor’s offices open to the public for substantially all business functions | After the consumer applies; the timely-denial or timely-approval-disclosure exception is separately specified | Not automatically Monday–Friday; not the special mailing-receipt definition |\n| Approval communicated by telephone, or electronic approval without qualifying electronic delivery | **Three general business days** | After approval communication, for mailing the approval disclosures | Sending approval electronically does not dispense with E-Sign requirements |\n| Deemed receipt of mailed application, approval, or final disclosures | **Three specific business days**: all calendar days except Sundays and legal public holidays under 5 U.S.C. §6103(a) | After mailing, under §1026.46(d)(4) | Mailing day is not automatically receipt day; this rule is not automatically an email rule |\n| Acceptance opportunity | **At least 30 calendar days** | Following receipt of approval disclosures; a longer disclosed period must be honored | Not 30 business days; not a mandatory 30-day waiting period before acceptance |\n| Cancellation | **Three general business days**, ending at midnight of the third day following receipt | Receipt of final disclosures under §1026.47(c) | Do not import the special home-rescission definition or the mailing-receipt definition into this period |\n| Mailed acceptance or cancellation | Dispatch rule within the applicable period, **if mail is a permitted method** | Acceptance placed in mail within the acceptance period; cancellation placed in mail no later than the disclosed cancellation date | Actual arrival by the expiration date is not the stated mail rule |\n| Application variable-rate freshness | Direct mail: rates effective within **60 days** before mailing; electronic: within **30 days** before sending/public viewing; printed public applications: within **30 days** before printing; telephone: currently available | Comment 47(a)(1)(i)-1 | These are unqualified “days,” not a separately designated business-day period; they concern offered-rate disclosure, not offer acceptance |\n| Institutional exclusions | Contractual term of **90 days or less**, or **one year or less** with no interest rate applied to the balance | §1026.46(b)(5)(iv), only where the covered institution is creditor | These are loan-term tests, not disclosure clocks |\n| Self-certification | Event-based | Before consummation | “Before disbursement” wording on a form does not replace this requirement |\n| Preferred-lender annual information | Later of **April 1** or **30 days** after entering or learning of the arrangement; information concerns July 1–June 30 | §1026.48(f) and comment 48(f)-1 | The text does not call the 30 days “business days”; this is a school-information duty, not the consumer acceptance period |\n\nThe specific definition incorporates all holidays in §6103(a), including **Juneteenth National Independence Day**. The current statutory list also includes New Year’s Day, Martin Luther King Jr.’s Birthday, Washington’s Birthday, Memorial Day, Independence Day, Labor Day, Columbus Day, Veterans Day, Thanksgiving Day, and Christmas Day. The older illustrative list in Regulation Z’s commentary does not mention Juneteenth; the operative cross-reference to §6103(a) must not be replaced by that older list. An observed substitute weekday is not automatically the statutory holiday for this special definition. [Consumer Financial Protection Bureau+1](https://www.consumerfinance.gov/rules-policy/regulations/1026/2/?utm_source=chatgpt.com)\n\n**No calendar or amount illustration is necessary here.** Numerical constants below are actual statutory/regulatory thresholds, terms, or prescribed disclosure assumptions—not an actual loan price, award, lawful APR, or deadline calculation.\n\n## 2. Atomic claim table\n\n### A. Classification, actors, institutions, and expenses\n\n| Claim ID | Precise claim, trigger, conditions, and exceptions | Source and pinpoint | Status and limits |\n| --- | --- | --- | --- |\n| **R018-P1-C001** | The statutory private-education-loan definition requires a loan provided by a private educational lender, not made/insured/guaranteed under Title IV, and issued expressly for postsecondary educational expenses. Whether proceeds pass through an institution or directly to the borrower is not determinative. Open-end and the specified real-property/dwelling-secured transactions are excluded. | S002, 15 U.S.C. §1650(a)(7)–(8). [uscode.house.gov](https://uscode.house.gov/us/usc/119-120/t15/s1650/?utm_source=chatgpt.com) | **L.** No actual product classified. |\n| **R018-P1-C002** | Statutory “private educational lender” includes the specified financial institutions, federal credit unions, and other persons engaged in the business of soliciting, making, or extending these loans. Section 1602(g) includes private educational lenders as creditors. Regulation Z nevertheless applies its general creditor framework; the 2009 rule expressly explains that regulatory implementation. | S002 §1650(a)(7); S003 §1602(g); S024, 74 FR 41201–41202, PDF indices 7–8. [uscode.house.gov+2](https://uscode.house.gov/us/usc/119-121/t15/s1602/?utm_source=chatgpt.com) | **L/R/H.** Statutory and regulatory formulations are not treated as identical. Full financial-charter cross-references were not independently audited. |\n| **R018-P1-C003** | The ordinary Regulation Z creditor test requires regularly extending consumer credit subject to a finance charge **or** payable by written agreement in more than four installments, excluding a downpayment, with the obligation initially payable to that person. The ordinary regularity test is more than 25 covered extensions in the preceding calendar year; if not met then, the current-year test applies. | S010, §§1026.1(c)(1), 1026.2(a)(17)(i), (v), and relevant comments. [Consumer Financial Protection Bureau+1](https://www.consumerfinance.gov/rules-policy/regulations/1026/1/?utm_source=chatgpt.com) | **R/I.** Count is not limited to education loans. Special dwelling/high-cost-mortgage branches exist; no threshold is an all-purpose statutory immunity. |\n| **R018-P1-C004** | Consumer credit ordinarily concerns a natural person and primarily personal, family, or household purposes. Credit includes a right to defer payment of debt or incur debt and defer payment. An unpaid bill, without establishing the relevant right and other conditions, is insufficient by itself to classify a transaction. | S010, §1026.2(a)(11), (12), (14); §1026.3(a). [Consumer Financial Protection Bureau+2](https://www.consumerfinance.gov/rules-policy/regulations/1026/2/?utm_source=chatgpt.com) | **R/I; final sentence INF.** No institutional receivable or contract examined. |\n| **R018-P1-C005** | Regulation Z’s covered educational institution is an institution meeting the HEA institution-of-higher-education definition **without regard to accreditation**, and includes specified agents, officers, and employees. The separate “institution of higher education” definition incorporates HEA §§101–102 and ED implementing regulations. | S006/S009, §1026.46(b)(1)–(2), comments; S013–S014. Statutory formulation: S002 §1650(a)(2), (4). [ecfr.gov+1](https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-F?utm_source=chatgpt.com) | **L/R/I.** Accreditation relaxation for “covered institution” must not automatically be carried into every IHE-dependent requirement. Elementary/secondary education is outside this definition. |\n| **R018-P1-C006** | The incorporated HEA/ED definitions contain distinct public/nonprofit, proprietary, and vocational categories, with authorization, admissions, program, duration, accreditation, and other conditions. For the nonprofit subtype, ED’s definition includes tax treatment under §501(c)(3) and additional ownership/operation and state-law conditions. | S013 §§1001–1002; S014 §§600.2, .4–.6; S015 §501(a), (b), (c)(3). [uscode.house.gov+2](https://uscode.house.gov/us/usc/119-121/t20/s1001/?utm_source=chatgpt.com) | **L/R.** No actual school or tax status established. Unopened implementing cross-references remain listed below. |\n| **R018-P1-C007** | Postsecondary educational expenses incorporate the statutory cost-of-attendance categories, subject to their conditions: tuition/fees; books, supplies, equipment and computer allowance; transportation; qualifying personal and living costs; restricted correspondence/incarceration categories; approved study abroad; dependent care; disability expenses not supplied by another agency; telecommunications treatment; cooperative-education costs; specified federal-loan fees; and first professional licensing/credential costs. | S006 §1026.46(b)(3); S016, 20 U.S.C. §1087ll(a)(1)–(14), (b)–(c). [ecfr.gov+1](https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-F?utm_source=chatgpt.com) | **L/R.** Enrollment, living arrangement, reasonableness, program, and other statutory conditions matter. This is not an actual cost-of-attendance computation. |\n| **R018-P1-C008** | A narrow text/version issue remains: §1026.46(b)(3)’s older illustrative wording includes any loan/origination/insurance fee, while current §1087ll(a)(13) expressly refers to fees for loans under Title IV or another federal law. Those texts do not support silently declaring every private-loan fee a current qualifying COA item. | S006/S009 §1026.46(b)(3); S016 §1087ll(a)(13). [ecfr.gov+1](https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-F?utm_source=chatgpt.com) | **U/INF.** Fee-only classification and the precise integration of the amended cross-reference with the older illustration are held. |\n| **R018-P1-C009** | The exclusion is specifically for loans made, insured, or guaranteed **under Title IV of the HEA**. Section 1026.3(f) separately exempts those programs from Regulation Z. “Federal connection” alone is not the wording of this exclusion. | S002 §1650(a)(8); S006 §1026.46(b)(5)(i); S010 §1026.3(f). [ecfr.gov+1](https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-F?utm_source=chatgpt.com) | **L/R.** No ED collection, federal-loan servicing, or non-Title-IV program determination. |\n| **R018-P1-C010** | Subpart F excludes open-end credit and any loan secured by real property or a dwelling. Open-end status requires the actual repeated-transaction, finance-charge, and replenishing-credit characteristics in §1026.2(a)(20); installments or a label alone are insufficient. A dwelling need not be the principal residence. Other personal-property collateral is not automatically within this exclusion. | S006 §1026.46(b)(5)(iii); S010 §1026.2(a)(19)–(20), comments. [ecfr.gov+2](https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-F?utm_source=chatgpt.com) | **R/I.** Actual credit mechanics and security are held. |\n| **R018-P1-C011** | If the covered educational institution itself is creditor and the credit term is **90 days or less**, the transaction is excluded from the private-education-loan definition even if interest is charged. | S006 §1026.46(b)(5)(iv)(A), comment 46(b)(5)-3. [ecfr.gov+1](https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-F?utm_source=chatgpt.com) | **R/I.** Both creditor identity and contractual term are necessary; a school connection alone is insufficient. |\n| **R018-P1-C012** | If the covered institution is creditor, no interest rate will be applied to the credit balance, and the term is **one year or less**, the credit is excluded even if payable in more than four installments. | S006 §1026.46(b)(5)(iv)(B), comment 46(b)(5)-4. [ecfr.gov+1](https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-F?utm_source=chatgpt.com) | **R/I.** “No interest” is the specific test; this does not automatically eliminate all other TILA questions about fees or installments. |\n| **R018-P1-C013** | Institutional short-term loans and billing plans excluded from Subpart F may still be subject to ordinary closed-end disclosures under §§1026.17–.18. For a short-term obligation due upon receipt of specified funds, the commentary addresses estimating when those funds will arrive. | S006, comments 46(b)(5)-3–4; S011. [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/rules-policy/regulations/1026/interp-46/?utm_source=chatgpt.com) | **I.** Exclusion from Subpart F is not exclusion from every consumer-credit law. |\n| **R018-P1-C014** | A multipurpose application can be exempt from the application disclosures under §1026.46(d)(1)(iii). If the resulting credit is expressly for educational expenses in whole or part and meets the other definition elements, approval/final disclosures and §1026.48 apply to the **entire loan**. The commentary permits reliance on a purpose line or checkbox. | S006 §1026.46(d)(1)(iii), comment 46(b)(5)-2. [ecfr.gov+1](https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-F?utm_source=chatgpt.com) | **R/I.** This is not a general multipurpose-loan exemption. |\n| **R018-P1-C015** | The official definition commentary includes consolidation of existing **private education loans**. | S006, comment 46(b)(5)-1. [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/rules-policy/regulations/1026/46/?utm_source=chatgpt.com) | **I.** No reliance on the withdrawn 2020 CFPB advisory opinion; federal-loan refinancing is not resolved. |\n| **R018-P1-C016** | A creditor may elect Subpart F for specified post-graduation relocation, examination-study, internship/residency, and similar expenses otherwise governed by §§1026.17–.18. If the credit actually covers qualifying postsecondary expenses, coverage is mandatory; if the optional route is chosen, applicable Subpart F requirements follow. | S006 §1026.46(a), official coverage comments. [ecfr.gov+1](https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-F?utm_source=chatgpt.com) | **R/I.** No classification of an actual professional-school product. |\n| **R018-P1-C017** | “Tuition arrears,” “payment plan,” “income-share agreement,” “scholarship repayment,” or “aid overpayment” does not itself establish a covered private education loan. The credit right, creditor, express purpose, institution, expenses, and exclusions must be established. | S006 §1026.46(b)(5); S010 §1026.2(a)(14), (17), (20). [ecfr.gov+1](https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-F?utm_source=chatgpt.com) | **INF/U.** These additional A018 dimensions remain open; no generic conclusion that all or none are loans. |\n| **R018-P1-C018** | The general amount-based Regulation Z exemption does **not** exclude a transaction that is a private education loan. This is not a credit ceiling or approval requirement. | S004, 15 U.S.C. §1603(3); S010 §1026.3(b)(1)(i)(B). [uscode.house.gov+1](https://uscode.house.gov/us/usc/119-121/t15/s1603/?utm_source=chatgpt.com) | **L/R.** No universal maximum loan, APR, or cost follows. |\n\n### B. Triggers, clocks, acceptance, changes, cancellation, and disbursement\n\n| Claim ID | Precise claim, trigger, conditions, and exceptions | Source and pinpoint | Status and limits |\n| --- | --- | --- | --- |\n| **R018-P1-C019** | Application disclosures are due on or with any covered application or solicitation. A solicitation is an offer not requiring an application, including a qualifying FCRA firm offer. A mere invitation to apply is not that trigger unless it includes a written, electronic, telephone, take-one, or in-person application. | S006 §1026.46(d)(1)(i), comment 46(d)(1)-1; S023 §1681a(l)(1)–(3). [ecfr.gov+2](https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-F?utm_source=chatgpt.com) | **R/I/L.** No marketing communication or credit criteria were tested. |\n| **R018-P1-C020** | For a telephone application/solicitation, the creditor may provide §1026.47(a) orally. Otherwise it must provide or mail those disclosures no later than three general business days after application, unless it denies the application or provides/mails approval disclosures within the specified three-day period. | S006 §1026.46(d)(1)(ii); S010 §1026.2(a)(6). [ecfr.gov+1](https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-F?utm_source=chatgpt.com) | **R.** Telephone exception does not remove approval/final duties for a resulting covered loan. |\n| **R018-P1-C021** | Approval disclosures must accompany any approval notice before consummation. Mail notice and disclosures travel together; in-person approval requires then-delivery; telephone approval requires mailing within three general business days. Electronic delivery is subject to the electronic-disclosure rules; absent qualifying delivery, the three-day mailing fallback applies. A request for additional information before approval is not itself approval. | S006 §1026.46(d)(2), comment 46(d)(2)-1. [ecfr.gov+1](https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-F?utm_source=chatgpt.com) | **R/I.** Actual approval wording and delivery are held. |\n| **R018-P1-C022** | Final disclosures are provided **after acceptance** under §1026.48(c)(1). The operative text does not impose a universal “immediately after acceptance” deadline; the cancellation and funding restrictions still govern. | S006 §1026.46(d)(3); S007 §1026.47(c); S008 §1026.48(d). [ecfr.gov+1](https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-F?utm_source=chatgpt.com) | **R.** No actual event sequence established. |\n| **R018-P1-C023** | Statutory final-disclosure/cancellation provisions use consummation; Regulation Z implements them through acceptance and receipt of final disclosures. Consummation is when the consumer becomes contractually obligated under applicable law, not a universally interchangeable synonym for approval, acceptance, or funding. | S001 §1638(e)(4), (6)–(8); S010 §1026.2(a)(13); S024, 74 FR 41208, 41221–41222, PDF 14, 27–28. [uscode.house.gov+2](https://uscode.house.gov/us/usc/119-118/t15/s1638/?utm_source=chatgpt.com) | **L/R/H.** State contract law and actual consummation remain held. |\n| **R018-P1-C024** | The consumer has at least 30 calendar days following receipt of approval disclosures to accept. A longer period is allowed, and the consumer may accept before its end. | S008 §1026.48(c)(1), comment 48(c)-1. [ecfr.gov+1](https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-F?utm_source=chatgpt.com) | **R/I.** No actual expiration date calculated. |\n| **R018-P1-C025** | Mailed application, approval, and final disclosures are considered received three **specific** business days after mailing. The specific definition excludes Sundays and §6103(a) holidays. | S006 §1026.46(d)(4), comment 46(d)-1; S010 §1026.2(a)(6). [ecfr.gov+2](https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-F?utm_source=chatgpt.com) | **R/I.** No automatic extension of this mailed-disclosure rule to email. |\n| **R018-P1-C026** | The general creditor-business-functions definition governs the telephone/fallback mailing periods and §1026.48(d) cancellation period. The special-definition list includes §1026.46(d)(4), but not §1026.48(d). | S010 §1026.2(a)(6), comments 1–2; S024, 74 FR 41198, PDF 4. [Consumer Financial Protection Bureau+1](https://www.consumerfinance.gov/rules-policy/regulations/1026/2/?utm_source=chatgpt.com) | **R/I/H.** Actual office functions are unknown; no universal weekday calendar assumed. |\n| **R018-P1-C027** | Section 6103(a), including Juneteenth, controls the holiday cross-reference. The commentary’s older fixed-holiday illustration is incomplete as a current holiday list, and an observed substitute weekday is not automatically excluded under the specific definition. | S022 §6103(a); S010 comment 2(a)(6)-2. [uscode.house.gov+1](https://uscode.house.gov/us/usc/119-118/t5/s6103/?utm_source=chatgpt.com) | **L/I.** No personal holiday calculation. |\n| **R018-P1-C028** | Acceptance may be oral, written, or electronic as permitted and disclosed. Electronic communication cannot be the only method unless approval disclosures were provided electronically with applicable E-Sign compliance. If mail is allowed, timely placement in the mail is sufficient. | S008, comment 48(c)-2; S007 §1026.47(b)(5). [Consumer Financial Protection Bureau+1](https://www.consumerfinance.gov/rules-policy/regulations/1026/interp-48/?utm_source=chatgpt.com) | **I/R.** Contractual authority of one borrower to bind another is not determined. |\n| **R018-P1-C029** | The freeze covers terms required to be disclosed under §1026.47(b) and (c), until disbursement or expiration of the 30-day period **if unaccepted**, subject to exceptions. Timely acceptance leaves protection in place until disbursement. Changes not affecting required-disclosure terms are not prohibited by this particular restriction. | S008 §1026.48(c)(2), comment 48(c)-3. [ecfr.gov+1](https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-F?utm_source=chatgpt.com) | **R/I.** Not a determination that every other contractual change is lawful. |\n| **R018-P1-C030** | Before consummation, an offer may be withdrawn if extending credit would be prohibited by law or the creditor has reason to believe the consumer committed fraud in connection with the application. | S008 §1026.48(c)(3)(i)(A). [ecfr.gov](https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-F?utm_source=chatgpt.com) | **R.** No actual fraud, prohibited-credit, or evidentiary finding. |\n| **R018-P1-C031** | An interest-rate change based on adjustment of the loan’s index is an enumerated exception. A discretionary margin increase or increased lender funding cost is not itself that index exception. | S008 §1026.48(c)(3)(i)(B), comment 48(c)-4. [ecfr.gov+1](https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-F?utm_source=chatgpt.com) | **R/I; distinction INF.** Actual index, margin, and contract remain unknown. |\n| **R018-P1-C032** | A change that **unequivocally benefits the consumer** is permitted under the stated exception. The reviewed clause contains no separate general exemption labeled “federally authorized loan-benefit changes.” A claimed authorization would require its own applicable authority or satisfaction of the actual exception. | S008 §1026.48(c)(3)(i)(C), comment 48(c)-4. [ecfr.gov+1](https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-F?utm_source=chatgpt.com) | **R/I/U.** A “benefit” label does not establish unequivocal benefit. |\n| **R018-P1-C033** | Loan amount may be reduced based on school/consumer certification or other information that COA decreased or other aid increased. Related rate/term changes are limited to those the consumer would have received on an original application for the reduced amount. Commentary also permits withdrawal based on school/consumer information that the student is not enrolled. | S008 §1026.48(c)(3)(i)(D), comments 48(c)-4–5. [ecfr.gov+1](https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-F?utm_source=chatgpt.com) | **R/I.** These exceptions do not require new approval disclosures/new 30 days; final disclosures remain required. |\n| **R018-P1-C034** | A creditor may accommodate a specific consumer request by changing terms, but then must provide new approval disclosures and a new 30-day acceptance opportunity. The prior offer remains protected unless the replacement is accepted or a separate §1026.48(c)(3) exception applies. | S008 §1026.48(c)(4), comment 48(c)-6. [ecfr.gov+1](https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-F?utm_source=chatgpt.com) | **R/I.** Accommodation is optional; a consumer’s inquiry is not automatically acceptance of a replacement. |\n| **R018-P1-C035** | No general lender “mistake,” changed-creditworthiness, or cost-of-funds exception appears in the reviewed §1026.48(c)(3) list. That list cannot be enlarged merely by describing a change as corrective. | S008 §1026.48(c)(3)–(4), complete conditions and comments. [ecfr.gov+2](https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-F?utm_source=chatgpt.com) | **INF.** No determination of a statutory error defense, contract doctrine, remedy, or litigation outcome. |\n| **R018-P1-C036** | The consumer may cancel without penalty until midnight of the third general business day following receipt of final disclosures. The final disclosure must specify the cancellation-expiration date. | S008 §1026.48(d); S007 §1026.47(c)(4), comment 47(c)-1. [ecfr.gov+2](https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-F?utm_source=chatgpt.com) | **R/I.** Disclosure of a date and calculating an actual lawful date are separate tasks. |\n| **R018-P1-C037** | The creditor must specify cancellation methods. Electronic cancellation cannot be the only method unless final disclosures were delivered electronically with applicable E-Sign compliance. If mail is allowed, the notice must identify the receiving address/agent and state the timely-dispatch rule. | S007 §1026.47(c)(4); S008 comment 48(d)-2. [ecfr.gov+1](https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-F?utm_source=chatgpt.com) | **R/I.** No cancellation communication sent or assessed. |\n| **R018-P1-C038** | No funds may be disbursed before the three-day period expires. The creditor must be reasonably satisfied cancellation was not exercised; permissible approaches include allowing reasonable time for mailed notice or obtaining a written nonexercise statement supplied and signed **only at the end** of the period. | S008 §1026.48(d), comment 48(d)-2. [ecfr.gov+1](https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-F?utm_source=chatgpt.com) | **R/I.** No early-waiver mechanism is supplied by this comment. |\n| **R018-P1-C039** | If the creditor voluntarily allows a longer cancellation period, the commentary permits disbursement after the statutory minimum period, but requires honoring a later timely cancellation within the longer period. | S008, comment 48(d)-1. [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/rules-policy/regulations/1026/interp-48/?utm_source=chatgpt.com) | **I.** Resulting return/refund mechanics require the actual terms and other applicable authority; no universal free-use-and-return right established. |\n| **R018-P1-C040** | Cancellation without penalty prohibits fees charged specifically for exercising cancellation. The commentary does not require refund of a fee, such as an application fee, charged to all consumers whether or not they cancel. | S008, comment 48(d)-3. [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/rules-policy/regulations/1026/interp-48/?utm_source=chatgpt.com) | **I.** Not a conclusion that any particular fee is lawful or nonrefundable under every law. |\n| **R018-P1-C041** | Separately, a private educational lender may not impose a fee or penalty for early repayment or prepayment of a private education loan. | S002, 15 U.S.C. §1650(e). [uscode.house.gov](https://uscode.house.gov/us/usc/119-120/t15/s1650/?utm_source=chatgpt.com) | **L.** This is distinct from cancellation, principal forgiveness, accrued-charge treatment, and a refund calculation. |\n| **R018-P1-C042** | The Subpart F cancellation right is distinct from §1026.23 principal-dwelling rescission. A loan secured by any dwelling is excluded from the Subpart F definition. Neither the education-loan cancellation rule nor a disclosure defect automatically establishes later discharge, settlement, refinancing, federal forgiveness, cosigner release, or invalidity. | S006 §1026.46(b)(5)(iii); S012 §1026.23(a)(1); S008 §1026.48(d). [ecfr.gov+2](https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-F?utm_source=chatgpt.com) | **R/INF.** Full home-rescission and all remedies analyses remain outside this component. |\n\n### C. Exact content, estimates, and presentation\n\n| Claim ID | Precise claim, trigger, conditions, and exceptions | Source and pinpoint | Status and limits |\n| --- | --- | --- | --- |\n| **R018-P1-C043** | Application disclosures give only rates/ranges actually offered; applicable creditworthiness/other-factor qualification; fixed/variable status; adjustment frequency, increment/lifetime limits or absence; possible higher/lower actual rate; and any applicable-law limit statement. Variable-rate ranges reflect the actual index and margin. Default/delinquency/assumption/acceleration increases are addressed separately from the ordinary variable-rate characterization. | S007 §1026.47(a)(1)(i)–(iii), comments 47(a)(1)(i)-1–3 and (iii)-1–2. [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/rules-policy/regulations/1026/interp-47/?utm_source=chatgpt.com) | **R/I.** Freshness periods are in the clock table. No actual rate or legal ceiling established. |\n| **R018-P1-C044** | Application disclosures itemize required fees as a dollar amount or percentage; an estimated range is permitted where the exact fee is unknown. Required fees include finance charges and required non-finance-charge fees, including application fees charged regardless of credit extension. Default/late-payment fees, rate changes, and principal adjustments are disclosed. Later optional deferment/forbearance/modification fees are not required by this particular item. | S007 §1026.47(a)(2), comments 1–2. [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/rules-policy/regulations/1026/interp-47/?utm_source=chatgpt.com) | **R/I.** Fee classification under the complete finance-charge rules remains held. |\n| **R018-P1-C045** | Application repayment disclosures identify the maximum period for regularly scheduled principal/interest payments; deferral options or their absence; for each in-school option, interest accrual and possible capitalization; reference to contract information for later repayment-period deferrals; and the bankruptcy caution that repayment may still be required. | S007 §1026.47(a)(3), comments 1–5. [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/rules-policy/regulations/1026/interp-47/?utm_source=chatgpt.com) | **R/I.** The bankruptcy warning is not an adjudication of nondischargeability. |\n| **R018-P1-C046** | Application cost examples use total-of-payments methodology, the highest disclosed starting rate and applicable finance charges, and an amount financed of **$10,000**, or **$5,000** where only smaller loans of that type are offered. Prepaid charges must be accounted for so the prescribed amount financed is actually represented; the percentage-fee commentary specifies a special gross-up assumption. | S007 §1026.47(a)(4), comments 1–2; S011 §1026.18(h). [ecfr.gov+1](https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-F?utm_source=chatgpt.com) | **R/I.** These are prescribed disclosure-example inputs, not borrowing limits. No worked amount or APR validation performed. |\n| **R018-P1-C047** | Examples must cover each in-school payment option using the actual capitalization method. Permitted deferral assumptions are four undergraduate years plus maximum applicable grace; for other loans, two years plus grace or the program’s shorter maximum; alternatively the full standard program duration plus grace. The alternative is not shortened to an individual student’s remaining enrollment. | S007, comments 47(a)(4)-3–4. [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/rules-policy/regulations/1026/interp-47/?utm_source=chatgpt.com) | **I.** No actual enrollment or capitalization facts assumed. |\n| **R018-P1-C048** | Application disclosures state applicable age/enrollment criteria concerning the consumer or cosigner and whether rates typically are higher without a cosigner/guarantor. A numerical estimate of the cosigner’s rate effect is not required by that comment. | S007 §1026.47(a)(1)(iv), (5), comment 47(a)(1)(iv)-1; statutory context S001 §1638(e)(1)(D), (J). [ecfr.gov+2](https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-F?utm_source=chatgpt.com) | **R/I/L.** This does not authorize a cosigner requirement under other law or decide creditworthiness. |\n| **R018-P1-C049** | Application alternatives disclosures say the consumer may qualify for Title IV aid, give applicable program rates and fixed/variable status, identify school/ED information and an appropriate ED website, and mention possible school-specific benefits. Where statutory rates vary by application/disbursement date, the commentary calls for the rate current when disclosure is provided. | S007 §1026.47(a)(6), comments (a)(6)(ii)-1 and (iii)-1. [ecfr.gov+1](https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-F?utm_source=chatgpt.com) | **R/I.** No current federal-rate table or actual aid eligibility determination; underlying rate-program cross-references were not independently audited. |\n| **R018-P1-C050** | Application disclosures also explain the 30-day availability/protection of approved terms subject to lawful changes and, when applicable, the requirement to complete self-certification before consummation and obtain the form through the institution. | S007 §1026.47(a)(7)–(8), general comment 47-1. [ecfr.gov+1](https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-F?utm_source=chatgpt.com) | **R/I.** Inapplicable self-certification information may be omitted under the stated comment. |\n| **R018-P1-C051** | Approval and final disclosures incorporate applicable §1026.18 items: creditor identity, amount financed/itemization, finance charge, APR, variable-rate information, payment schedule, total payments, and applicable demand/credit-sale/prepayment/late-charge/security/insurance/debt-cancellation/contract/deposit items. The express APR-disclosure exception is finance charge no more than $5 with amount financed no more than $75, or finance charge no more than $7.50 when amount financed exceeds $75. | S007 §1026.47(b), (c); S011 §1026.18(a)–(r), especially (e). [ecfr.gov+1](https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-C/section-1026.18?utm_source=chatgpt.com) | **R.** These APR exceptions are not rate or cost ceilings. Mortgage-only fields are not imported into an excluded secured transaction. |\n| **R018-P1-C052** | Approval discloses actual rate, fixed/variable status and adjustment limits, itemized fees/default consequences, and principal equal to the note’s face amount at approval, labeled **Total Loan Amount**. That amount can differ from amount financed. Itemization can satisfy specified duplicate-placement requirements. | S007 §1026.47(b)(1)–(3)(i), comments 47(b)(1)-1–3, (b)(2)-1, (b)(3)-1. [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/rules-policy/regulations/1026/interp-47/?utm_source=chatgpt.com) | **R/I.** No face amount, fee, or APR calculated. |\n| **R018-P1-C053** | Approval repayment content includes term; chosen deferral and later options; required in-school payments; unpaid interest that will accrue; bankruptcy caution; and applicable payment schedule. The statute expressly mentions whether monthly payments are graduated; §1026.18(g) supplies the incorporated schedule requirement. | S001 §1638(e)(2)(G)–(K); S007 §1026.47(b)(3)(ii)–(vi); S011 §1026.18(g). [uscode.house.gov+2](https://uscode.house.gov/us/usc/119-118/t15/s1638/?utm_source=chatgpt.com) | **L/R/I.** No actual graduated-payment or repayment schedule assessed. |\n| **R018-P1-C054** | Approval estimates total repayment at the actual approval rate and at the maximum contractual rate, or, absent a contractual maximum, an applicable legal ceiling. If no maximum can be determined, the prescribed assumption is **25%**, with the required no-maximum/estimate warning. | S007 §1026.47(b)(3)(vii), comment 47(b)(3)-6. [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/rules-policy/regulations/1026/interp-47/?utm_source=chatgpt.com) | **R/I.** **25% is not a universal lawful cap or actual rate.** State/federal ceiling applicability is unresolved. |\n| **R018-P1-C055** | Approval also gives maximum monthly payment using the prescribed maximum-rate approach or 25% assumption. The commentary permits reflecting contractual incremental rate-increase limits in the calculation; the no-maximum estimate warning remains required where applicable. A separate §1026.18(f)(1)(iv) variable-payment example is unnecessary because this education-loan disclosure supplies the specified maximum-payment information. | S007 §1026.47(b)(3)(viii), comments 47(b)(3)-6(iii), -7 and 47(b)(1)-1. [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/rules-policy/regulations/1026/interp-47/?utm_source=chatgpt.com) | **R/I.** No calculation or lawful-price certification. |\n| **R018-P1-C056** | Approval repeats the specified federal-aid possibility, rates, and information-source disclosures. The general “as applicable” comment allows omission of federal-alternative disclosures for private-loan consolidation and optional post-graduation transactions where inapplicable. | S007 §1026.47(b)(4), comments 47-1 and 47(b)(4)-1. [Consumer Financial Protection Bureau+1](https://www.consumerfinance.gov/rules-policy/regulations/1026/interp-47/?utm_source=chatgpt.com) | **R/I.** No actual federal-aid availability finding. |\n| **R018-P1-C057** | Approval must identify the specific acceptance-expiration date based on receipt, any longer period actually offered, permitted acceptance methods, and protection of terms subject to permitted changes. | S007 §1026.47(b)(5), comment 47(b)(5)-1. [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/rules-policy/regulations/1026/interp-47/?utm_source=chatgpt.com) | **R/I.** A printed date is not proof that it was correctly calculated. |\n| **R018-P1-C058** | Final content repeats applicable §1026.18 and §1026.47(b)(1)–(3) information and adds the cancellation notice. It does not repeat §1026.47(b)(4)’s federal-alternative or (b)(5)’s acceptance notice as final-stage requirements. The 2009 rule expressly addresses the statutory final-stage federal-aid wording and adopts the regulatory exception. | S007 §1026.47(c); S001 §1638(e)(4); S005 §1604; S024, 74 FR 41221–41222, PDF 27–28. [ecfr.gov+2](https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-F?utm_source=chatgpt.com) | **L/R/H.** Statutory and regulatory content lists are not silently conflated. |\n| **R018-P1-C059** | All Subpart F disclosures must be clear and conspicuous. Approval/final disclosures must be written and retainable, grouped and segregated, with only directly related information. Specified acknowledgments/date/consumer information are allowed; creditor identity, insurance/debt cancellation, and certain security-interest charges may appear separately. | S006 §1026.46(c)(1)–(2), comment 46(c)-1; S011 §1026.17(a). [ecfr.gov](https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-F?utm_source=chatgpt.com) | **R/I.** Text availability does not establish actual presentation compliance. |\n| **R018-P1-C060** | The finance-charge term and amount and the interest rate receive special prominence, except for creditor identity. The final cancellation notice must be more conspicuous than other required disclosures except those specified items. For private education loans, APR is less conspicuous than finance charge, interest rate, and the cancellation notice. | S006 §1026.46(c)(2)(iii); S007 §1026.47(c)(4), comment 47(c)-2; S011 §1026.17(a)(2). [ecfr.gov+2](https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-F?utm_source=chatgpt.com) | **R/I.** No universal mandatory 10-point Helvetica rule is inferred. |\n| **R018-P1-C061** | Disclosures reflect the legal obligation. Unknown information is disclosed using the best information reasonably available and clearly identified as an estimate. This does not authorize inventing zero aid, a ceiling, or a known price. | S006 §1026.46(e). [ecfr.gov](https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-F?utm_source=chatgpt.com) | **R; last sentence INF.** Actual data and pricing rules remain held. |\n| **R018-P1-C062** | A later event making an approval/final disclosure inaccurate is not itself a Regulation Z violation under §1026.46(g). This does not authorize a prohibited term change. Final disclosures remain required, and §1026.48(c)(4) can require new approval disclosures. The ordinary §1026.17(f) change rule is not substituted for the education-loan scheme. | S006 §1026.46(g), comments 1–2; S011 §1026.17(f). [ecfr.gov+2](https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-F?utm_source=chatgpt.com) | **R/I.** No actual inaccuracy or violation determined. |\n\n### D. Multiple parties, electronic delivery, self-certification, and models\n\n| Claim ID | Precise claim, trigger, conditions, and exceptions | Source and pinpoint | Status and limits |\n| --- | --- | --- | --- |\n| **R018-P1-C063** | Multiple creditors select which will provide one complete set at each stage. With multiple consumers, delivery may be to any primarily liable consumer. Guarantors, endorsers, and sureties are not generally consumers under the ordinary definition; their status must not be assumed from “cosigner” alone. | S006 §1026.46(f); S010 §1026.2(a)(11), comment 1; S011 §1026.17(d), comments. [ecfr.gov+2](https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-F?utm_source=chatgpt.com) | **R/I.** No universal separate-copy obligation to every cosigner established here; other-law duties and liability/release remain held. |\n| **R018-P1-C064** | Application disclosures may accompany an electronically accessed application/solicitation without the E-Sign consent provisions. They qualify as “on or with” if automatically displayed; on the same page with a conspicuous location/cost-information reference; or linked so submission cannot bypass them. | S006 §1026.46(c)(3), comment 46(c)(3)-1(i)–(iii). [ecfr.gov+1](https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-F?utm_source=chatgpt.com) | **R/I.** This special exception is not extended to approval/final disclosures. |\n| **R018-P1-C065** | Electronic approval/final disclosure is subject to applicable E-Sign requirements: affirmative consent not withdrawn; prior clear disclosures of paper options, withdrawal conditions/consequences, scope, procedures/contact updates and paper-copy options/fees; hardware/software requirements; and electronic consent or confirmation reasonably demonstrating access to the form used. Material access-risk changes trigger additional information/consent requirements. | S006 §1026.46(c)(3); S021, 15 U.S.C. §7001(c)(1)(A)–(D). [ecfr.gov+1](https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-F?utm_source=chatgpt.com) | **L/R.** Mere possession of an email address or agreement to loan terms is not established proof of these conditions. |\n| **R018-P1-C066** | E-Sign preserves applicable substantive/timing obligations. An oral recording does not by itself satisfy the consumer-writing provision; electronic-consent defects do not, solely for that reason, automatically invalidate the contract under §7001(c)(3). Retention/accessibility provisions also matter. | S021 §7001(b), (c)(2)–(6), (d)–(e). [uscode.house.gov+1](https://uscode.house.gov/us/usc/119-121/t15/s7001/?utm_source=chatgpt.com) | **L.** No contract-validity or evidentiary ruling. |\n| **R018-P1-C067** | Section 1026.46(d)(4) supplies a mailed-disclosure receipt rule. No automatic three-day electronic-receipt presumption appears in that provision. Actual electronic delivery, access, consent, and receipt evidence remain necessary unresolved categories. | S006 §1026.46(d)(4); S021 §7001. [ecfr.gov+1](https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-F?utm_source=chatgpt.com) | **R/INF/U.** No electronic timestamp or actual receipt inferred. |\n| **R018-P1-C068** | For a covered private loan intended for expenses while a student attends an IHE, the creditor must obtain the consumer/applicant-signed ED self-certification form before consummation, in written or permitted electronic form. | S001 §1638(e)(3)(A); S008 §1026.48(e); S018 §1019d(a). [uscode.house.gov+2](https://uscode.house.gov/us/usc/119-118/t15/s1638/?utm_source=chatgpt.com) | **L/R.** Actual form, signature, and consummation are held. |\n| **R018-P1-C069** | The self-certification requirement is not coextensive with every covered institution. It applies to current or intended future IHE attendance; it does not apply where the loan is not intended for such attendance, such as post-graduation consolidation described in the comment. | S008, comment 48(e)-1; S007, general comment 47-1. [Consumer Financial Protection Bureau+1](https://www.consumerfinance.gov/rules-policy/regulations/1026/interp-48/?utm_source=chatgpt.com) | **I.** No actual institution/attendance conclusion. |\n| **R018-P1-C070** | Section 1638(e)(3)(B) limits the additional duty under that paragraph to collecting the required form. Obtaining a signed form is not proof of actual aid eligibility, lawful price, school eligibility, or accuracy of every underlying fact. | S001 §1638(e)(3)(B); S008 comment 48(e)-1. [uscode.house.gov+1](https://uscode.house.gov/us/usc/119-118/t15/s1638/?utm_source=chatgpt.com) | **L/I; evidentiary distinction INF.** Not a general exemption from other law. |\n| **R018-P1-C071** | Participating institutions have request-based duties to provide the form and required information to the extent possessed; ED regulations address admitted/enrolled students and discussion of federal, state, and institutional aid upon request. | S019 §1094(a)(28); S020 §§601.11(d), 668.14(b)(29); S018 §1019d(a)(2). [uscode.house.gov+2](https://uscode.house.gov/us/usc/119-121/t20/s1094/?utm_source=chatgpt.com) | **L/R.** No school contact, record request, or aid determination. |\n| **R018-P1-C072** | The form uses estimated COA and estimated financial assistance for the same covered period, with the difference **C = A − B**, plus aid-related notices and applicant certification/signature. A warning that borrowing above the difference may reduce aid is not a universal loan cap or actual eligibility finding. | S018 §1019d(a)(3)–(5); S029 sections 1–5, document pp. 1–2/PDF 0–1; S031 self-certification discussion. [uscode.house.gov+2](https://uscode.house.gov/us/usc/119-118/t20/s1019d/?utm_source=chatgpt.com) | **L/G/INF.** No amount entered or calculation performed. |\n| **R018-P1-C073** | The creditor may supply the form and information and receive the signed form directly or through the institution. Institutional certification does not replace the applicant’s required signed form. Electronic signatures are valid under this comment if they meet ED’s issued requirements. | S008, comments 48(e)-1–2. [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/rules-policy/regulations/1026/interp-48/?utm_source=chatgpt.com) | **I/U.** The specific ED electronic-signature technical requirements referenced by the comment were not located/read. |\n| **R018-P1-C074** | The official currently linked blank PDF located in this investigation is the 2023 form; its parsed text prints expiration **August 31, 2025** and uses older expected-family-contribution language. Its introduction refers to obtaining the form before disbursement. None of that changes the statutory/regulatory before-consummation requirement or proves current OMB approval. | S029 pp. 1–2/PDF 0–1; S030; S031; S001 §1638(e)(3); S018 current wording. [fsapartners.ed.gov+3](https://fsapartners.ed.gov/sites/default/files/2023-06/H450PrivateEducationLoanApplicantSelfCertificationForm.pdf?utm_source=chatgpt.com) | **G/U.** No newer blank form or current approval status verified. Printed expiry does not repeal the statutory duty. |\n| **R018-P1-C075** | The 2026–27 FSA Handbook explains the form’s information and printing/presentation requirements, including black ink/white paper and limited changes to the approved presentation. It uses current other-financial-assistance/SAI concepts and excludes the loan being certified from the assistance amount used for this purpose. | S031, “Private Education Loans”/self-certification discussion, read bounds stated in source table. [2026-2027 Federal Student Aid Handbook+1](https://fsapartners.ed.gov/knowledge-center/fsa-handbook/2026-2027/vol2/ch6-consumer-information-and-school-reporting?utm_source=chatgpt.com) | **G.** Handbook instructions are not a replacement statute or proof that the linked PDF has a current OMB approval. |\n| **R018-P1-C076** | Use of H-series model disclosures is optional. Statutory safe harbor depends on a model accurately reflecting the lender’s practices; the official Appendix instructions govern permissible use/modification. Model use does not establish compliance with timing, recipient, consent, classification, or disbursement duties. | S001 §1638(e)(5)(C); S026, Appendix H comment 25 and G/H commentary. [uscode.house.gov+2](https://uscode.house.gov/us/usc/119-118/t15/s1638/?utm_source=chatgpt.com) | **L/I/INF.** No actual form receives safe-harbor certification. |\n| **R018-P1-C077** | H-18–H-23 instructions restrict reordering headings, grouped disclosures, and sequencing. They allow specified inapplicable deletions, contact/date information, limited combinations and wording changes, appropriate page sizes, continuation references for two-sided presentation, and substantially similar readable design. Ten-point Helvetica is encouraged/model practice, not a universal mandatory font. | S026, Appendix H comment 25(i)–(vi); general G/H comment 1’s special exception for these forms. [Consumer Financial Protection Bureau+1](https://www.consumerfinance.gov/rules-policy/regulations/1026/h/?utm_source=chatgpt.com) | **I.** Permitted changes remain conditional; no actual layout inspected. |\n| **R018-P1-C078** | H-18, H-19, H-20 and H-21, H-22, H-23 were read as parsed text across both PDF pages. The ED form was likewise parsed across both pages. Attempts to view the H-18–H-20 and ED-form pages returned noninspectable placeholders, not usable pixels. | S027–S029; Appendix placeholders S026. [federalreserve.gov+6](https://www.federalreserve.gov/newsevents/pressreleases/files/bcreg20090730a3.pdf?utm_source=chatgpt.com) | **U, access finding.** Parsed text is not visual verification. No full-form/layout compliance certified. |\n| **R018-P1-C079** | Archived H-23 parsed text presents a no-maximum/25%-assumption statement on PDF page 0 but a statement that the rate will never exceed 25% on page 1. Without pixels and reconciliation, that artifact cannot establish a real contractual cap or current model compliance. Historical sample federal rates, programs, and benchmark references are not current pricing evidence. | S028, H-23 pp. 1–2/PDF 0–1, especially page-1 extraction line 112; S007 §1026.47(b)(3). [federalreserve.gov+1](https://www.federalreserve.gov/newsevents/pressreleases/files/bcreg20090730a8.pdf?utm_source=chatgpt.com) | **U/INF.** Apparent parsed-text inconsistency is reported, not adjudicated as a defect in current operative Appendix H. |\n\n### E. Remaining §1026.48 provisions, history, and currentness\n\n| Claim ID | Precise claim, trigger, conditions, and exceptions | Source and pinpoint | Status and limits |\n| --- | --- | --- | --- |\n| **R018-P1-C080** | A creditor other than the institution itself may not use school branding in a way implying endorsement. The rule provides specified equally prominent/proximate nonendorsement disclosures and a separate otherwise-lawful actual-endorsement arrangement route identifying the creditor as lender. Marketing includes transaction documents; commentary addresses creditor-name and authorized state-seal situations. | S008 §1026.48(a)–(b), comments 1–3. [ecfr.gov+1](https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-F?utm_source=chatgpt.com) | **R/I.** No actual branding, endorsement, conflict-of-interest, or broader HEA compliance audit. |\n| **R018-P1-C081** | A creditor aware it is party to a preferred-lender arrangement must provide the institution §1026.47(a)(1)–(5) information for each planned loan type for the next July–June period, annually by the later of April 1 or 30 days after entering/learning of the arrangement. Format is flexible under the comment. | S008 §1026.48(f), comment 48(f)-1; S017 §1019(8); S001 §1638(e)(11). [ecfr.gov+2](https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-F?utm_source=chatgpt.com) | **L/R/I.** No preferred-lender list or arrangement searched. |\n| **R018-P1-C082** | The 2008 enactment and its delayed-effect provisions must be distinguished from the 2009 regulation: final rule effective September 14, 2009; compliance optional until February 14, 2010. Mandatory loan application trigger was receipt on/after February 14, 2010; co-branding trigger was marketing on/after that date. Earlier applications could use specified optional disclosure stages, but applicable timing, acceptance/cancellation, and self-certification conditions accompanied that election. | S001 effective-date notes; S024, 74 FR 41194 and 41248, PDF 0 and 54, comments 1(d)(6)-1–2. [uscode.house.gov+2](https://uscode.house.gov/us/usc/119-118/t15/s1638/?utm_source=chatgpt.com) | **H/L notes.** Not retroactive treatment of an unidentified old loan. |\n| **R018-P1-C083** | CFPB’s 2011 interim final rule republished Regulation Z as part 1026, effective December 30, 2011, with stated technical/conforming treatment rather than a substantive rewrite of these provisions. | S025, 76 FR 79768–79769, dates and introductory discussion. [federalregister.gov+2](https://www.federalregister.gov/documents/2011/12/22/2011-31715/truth-in-lending-regulation-z?utm_source=chatgpt.com) | **H, interim final rule.** The entire lengthy republication PDF was not read. |\n| **R018-P1-C084** | Current HEA cross-references use amended COA and Student Aid Index terminology. Relevant statutory notes identify July 1, 2024/2024–25 award-year implementation, with authorized earlier implementation of specified COA provisions on or after July 1, 2023. | S016 §1087ll and notes; S018 §1019d and notes. [uscode.house.gov+1](https://uscode.house.gov/us/usc/119-121/t20/s1087ll/?utm_source=chatgpt.com) | **L notes.** No complete session-law implementation audit or award calculation. |\n| **R018-P1-C085** | The CFPB’s December 2020 private-education-loan advisory opinion at 85 FR 79400 is listed as withdrawn effective May 12, 2025 in the official withdrawal materials. It is not used as operative authority here. Withdrawal does not repeal TILA or the separately published current regulation/official interpretations. | S032 relevant register entry; S033, 90 FR 20084–20087, dates and Part III advisory-opinion item 13, PDF 0 and 2. [Consumer Financial Protection Bureau+2](https://www.consumerfinance.gov/compliance/guidance/withdrawn-guidance/?utm_source=chatgpt.com) | **Withdrawn guidance; distinction L/R versus G.** No other CFPB circular/bulletin/advisory is used as operative law. |\n| **R018-P1-C086** | The accessed House pages report compilation through specified October 2026 public laws; eCFR Title 12/34 pages report their own October 23 currency. Those labels establish the retrieved version, not a complete annual-CFR, session-law, judicial-history, stay/vacatur, or later-amendment audit. | S001–S025 version fields; S009 eCFR status statement. [uscode.house.gov+2](https://uscode.house.gov/us/usc/119-118/t15/s1638/?utm_source=chatgpt.com) | **U/currentness limit.** No proposed/future rule, repealed text, or withdrawn guidance is substituted for the operative bodies read; unexamined later history remains unknown. |\n\n## 3. Model and self-certification comparison\n\n| Document family | Function and content established by the text read | Relevant conditions | Actual read extent and unresolved visual/version issues |\n| --- | --- | --- | --- |\n| **H-18 model / H-21 sample** | Application/solicitation: offered-rate range, fees, repayment options and comparative costs, federal alternatives, and next-step rights/information | §1026.47(a), “as applicable” commentary, Appendix H comment 25 | Both pages of each archived PDF parsed. H-18 image attempts did not provide inspectable pixels. Historical sample rates and names are not current product evidence |\n| **H-19 model / H-22 sample** | Approval: approved terms, loan amount and costs, payments, federal alternatives, acceptance date and methods | §§1026.47(b), 1026.48(c); actual terms and receipt-based date required | Both pages parsed. H-19 images unseen. No actual date, rate, or safe-harbor finding |\n| **H-20 model / H-23 sample** | Final: approved/updated transaction information and prominent cancellation date/method/no-funding notice | §§1026.47(c), 1026.48(d); final disclosure after acceptance | Both pages parsed. H-20 images unseen. H-23’s apparent 25% textual conflict remains unresolved |\n| **ED Private Education Loan Applicant Self-Certification** | Aid notices, estimated COA and assistance, difference, applicant certification, signature, definitions/instructions | §1638(e)(3), §1026.48(e), §1019d; required before consummation where applicable | Both pages of the 2023-linked PDF parsed; pixels unseen; printed expiration August 31, 2025; older EFC terminology; current OMB approval not verified |\n| **Appendix H instructions versus ED printing instructions** | Appendix H permits specified model adaptations; ED’s self-certification instructions constrain changes to its standardized form | Different legal/form frameworks; their flexibility is not interchangeable | Appendix H comments 25–28 and relevant 2026–27 Handbook instructions read. Neither substitutes for visual inspection of an actual delivered document |\n\nThe source content supports the obligations and comparison above. It does **not** support a finding that an unseen document satisfies typography, grouping, continuation, contrast, sequencing, electronic-access, or safe-harbor conditions. See C059–C060 and C074–C079.\n\n## 4. Clearly hypothetical qualitative branches\n\nThese are stipulated, generic branches without invented people, institutions, lenders, accounts, properties, or identifiers. “Evidence needed” identifies an abstract category for a possible audit; it is **not a record request or authorization to investigate an actual matter**.\n\n| Example | Stipulated facts | Provision-specific result versus unknown | Generic evidence needed | Adverse misclassification or failure |\n| --- | --- | --- | --- | --- |\n| **R018-P1-E01 — Title IV loan** | Credit is stipulated to be made under a Title IV program | Excluded from the private-education-loan definition and covered by §1026.3(f)’s exemption. No federal collection conclusion | Governing program authority and generic product terms | Applying Subpart F’s private-loan cancellation scheme to a Title IV loan. C001, C009 |\n| **R018-P1-E02 — Unknown purpose** | An unsecured closed-end loan is advertised near education content, but express use is unknown | Coverage cannot be concluded from marketing context alone | Generic purpose wording and relevant loan terms | Treating any education-adjacent loan as expressly for postsecondary expenses. C004, C014, C017 |\n| **R018-P1-E03 — Actual open-end structure** | All §1026.2(a)(20) open-end elements are stipulated | Subpart F exclusion applies even if proceeds are used for tuition | Generic repeated-credit, finance-charge, and replenishment terms | Confusing repeated payments with closed-end private education credit. C010 |\n| **R018-P1-E04 — Secured transaction** | The loan is stipulated to be secured by real property or a dwelling | Excluded from Subpart F; no automatic conclusion about principal-dwelling rescission | Generic security clause and transaction category | Importing education-loan cancellation into an excluded secured transaction, or treating all personal-property security alike. C010, C042 |\n| **R018-P1-E05 — Institutional short term** | Covered institution is creditor; term is at most 90 days; interest is charged | Institutional exclusion applies; ordinary closed-end disclosure duties can remain | Generic creditor/term/interest provisions | Assuming interest alone defeats the 90-day exclusion, or that Subpart F exclusion eliminates TILA. C011, C013 |\n| **R018-P1-E06 — Institutional zero-interest plan** | Institution is creditor; no interest rate applies; term is at most one year; more than four installments | Subpart F exclusion applies; other TILA conditions still require separate analysis | Generic installment, fee, term, and creditor provisions | Treating more than four installments as automatically defeating the special exclusion. C012–C013 |\n| **R018-P1-E07 — Institutional exception unavailable** | School-credit term exceeds the relevant limit or its interest condition fails | That particular exclusion is unavailable; complete coverage still requires the remaining elements | Generic legal obligation and creditor criteria | Turning failure of one exclusion into automatic coverage without testing the other elements. C003, C011–C012 |\n| **R018-P1-E08 — Missing application disclosure** | A covered education-specific application is provided; no §1026.47(a) disclosure; no telephone or multipurpose exception | **Failure branch:** stipulated process does not meet the on-or-with application requirement | Generic application and associated disclosure package | Believing later approval disclosure always cures the application-stage omission. C019–C020, C043–C050 |\n| **R018-P1-E09 — Mailing treated as receipt** | Approval notice calculates the acceptance period from mailing rather than the applicable receipt rule | **Failure branch:** the stated trigger conflicts with the receipt-based rule | Generic mailing method and date-calculation method | Shortening the protected acceptance opportunity. C024–C025, C057 |\n| **R018-P1-E10 — Wrong business-day definition** | A cancellation schedule automatically excludes every Saturday without examining creditor business functions | **Failure branch:** the method is unsupported by the general definition | Generic operating-functions calendar and final-receipt basis | Producing an incorrect cancellation/funding date through an imported mortgage or mail-receipt calendar. C026–C027, C036 |\n| **R018-P1-E11 — Margin increase called an index change** | During the protected period, the creditor increases margin solely because its funding costs rose | **Failure branch:** the stipulated reason is not the index-adjustment exception | Generic index/margin clauses and change explanation | Treating every variable-rate increase as permitted. C029, C031, C035 |\n| **R018-P1-E12 — Requested change without renewed opportunity** | Consumer asks for a different repayment option; creditor substitutes new terms and supplies neither new approval disclosure nor new acceptance period | **Failure branch:** §1026.48(c)(4)’s conditions are not met on those facts | Generic request, replacement-offer process, and disclosure sequence | Treating a request as acceptance or permission to withdraw the original protected offer. C034 |\n| **R018-P1-E13 — Acceptance treated as final disclosure** | Consumer accepts approval; creditor funds without issuing final disclosures and allowing cancellation | **Failure branch:** acceptance does not satisfy final-disclosure/cancellation requirements | Generic approval, acceptance, final-notice, and funding sequence | Collapsing approval, acceptance, final disclosure, and funding into one event. C022, C036, C038 |\n| **R018-P1-E14 — Timely cancellation and a cancellation charge** | Consumer uses an allowed method within the required period; creditor imposes a fee specifically for canceling | **Failure branch:** the stipulated cancellation-specific fee conflicts with the rule | Generic cancellation method and fee policy | Confusing a permitted universally charged application fee with a prohibited cancellation penalty. C037, C040 |\n| **R018-P1-E15 — Notice only to a surety** | Only recipient is stipulated to be a guarantor, not a primarily liable consumer | **Failure branch:** that recipient does not satisfy the stated multiple-consumer rule | Generic contractual role and recipient procedure | Assuming every “cosigner” can replace disclosure to a primary obligor. C063 |\n| **R018-P1-E16 — Missing self-certification** | IHE-attendance loan is consummated without the required signed form; obtaining it later is planned | **Failure branch:** the before-consummation requirement is unmet on the stipulation | Generic form/signature and event sequence | Treating eventual collection before disbursement as the prescribed timing. C068–C074 |\n| **R018-P1-E17 — Unknown aid entered as zero** | COA/aid are unknown, and a form or disclosure treats aid as zero without support | The estimate cannot be justified merely by absence of knowledge; actual eligibility and amounts remain unknown | Generic estimation basis and same-period information | Converting an information gap into a favorable borrowing/aid conclusion. C061, C072 |\n| **R018-P1-E18 — Electronic-only process without demonstrated consent** | Approval/final disclosure and sole acceptance/cancellation channels are electronic; applicable consent/access conditions are not established | **Failure branch if the stipulated conditions are absent; otherwise unresolved:** the application-stage exception cannot validate the later stages | Generic consent text, access demonstration, retention features, and delivery design | Treating an online application or email address as universal E-Sign consent. C064–C067, C028, C037 |\n| **R018-P1-E19 — Correct text, unseen layout** | A document’s text resembles H-series wording, but visual grouping/prominence is unknown | No full-form or safe-harbor finding is supportable | Inspectable blank-form pixels and actual presentation specifications | Certifying compliance from extracted words alone. C059–C060, C076–C078 |\n| **R018-P1-E20 — Official link treated as current approval** | A currently linked ED form prints an expired date and older terminology | Link status alone does not establish current OMB approval or resolve the terminology discrepancy | Official replacement/reapproval publication and current instructions | Equating a current resource link with a complete form-version audit. C074–C075, C084 |\n| **R018-P1-E21 — 25% treated as a lawful ceiling** | A reader interprets the prescribed no-maximum estimate or archived H-23 text as a universal rate cap | No such cap follows; actual contractual/legal maximum remains unknown | Generic contract and applicable public rate-ceiling authority | Converting a disclosure assumption into legal pricing authorization. C054–C055, C079 |\n| **R018-P1-E22 — ISA or scholarship label** | Only an income-share or scholarship-repayment label is known; operative obligations are unknown | Classification and all further A018 consequences remain unresolved | Generic published contract terms and applicable authority, without identifiers | Automatically including or excluding an entire product family based on its name. C017 |\n| **R018-P1-E23 — Claimed beneficial/federal change** | Creditor calls a change “federally authorized” or “beneficial,” but neither an applicable authority nor unequivocal benefit is stipulated | No additional exception is established by that description | Specific public authority and generic before/after terms | Inventing a broad benefit or mistake exception. C030–C035 |\n| **R018-P1-E24 — Tuition arrears alone** | Tuition is unpaid; no agreement establishing a right to defer, term, interest, or creditor status is supplied | No complete private-loan classification is possible | Generic receivable/payment-plan terms and governing credit definition | Treating delinquency itself as proof of an originated covered loan. C003–C004, C013, C017 |\n\n## 5. Blank generic document audit worksheet\n\nNo factual entries, identities, dates, amounts, or conclusions have been populated.\n\n| Audit question | Governing reference / what the question distinguishes | Document support or observation | Finding / unresolved point |\n| --- | --- | --- | --- |\n| What legal obligation creates a right to defer payment? | C004; §1026.2(a)(14) | __________ | __________ |\n| Does the ordinary regulatory creditor test apply? | C002–C003; finance charge/installments, regularity, initial payee | __________ | __________ |\n| What establishes express educational purpose, in whole or part? | C001, C014; §1026.46(b)(5)(ii) | __________ | __________ |\n| Is the loan made, insured, or guaranteed under Title IV? | C009 | __________ | __________ |\n| Does the actual structure satisfy open-end criteria? | C010 | __________ | __________ |\n| Is any real property or dwelling collateral involved? | C010, C042 | __________ | __________ |\n| Is the institution within the incorporated covered-institution definition? | C005–C006 | __________ | __________ |\n| Is the narrower IHE condition satisfied for self-certification? | C068–C069 | __________ | __________ |\n| Which expenses fit the current COA cross-reference? | C007–C008 | __________ | __________ |\n| Is the institution itself creditor, and does either special term/interest exclusion apply? | C011–C013 | __________ | __________ |\n| Is the application education-specific or genuinely multipurpose? | C014, C019 | __________ | __________ |\n| Is the communication an application, solicitation, or only invitation? | C019 | __________ | __________ |\n| Were application disclosures supplied on or with the trigger document? | C019–C020 | __________ | __________ |\n| Are rates/ranges actually offered and within the applicable freshness conditions? | C043 | __________ | __________ |\n| Are required fees and default/late consequences itemized correctly? | C044 | __________ | __________ |\n| Are all required repayment/deferral/capitalization options described? | C045–C047 | __________ | __________ |\n| Are age/enrollment and cosigner rate-effect disclosures included as applicable? | C048 | __________ | __________ |\n| Are current federal-alternative disclosures and appropriate information sources included? | C049, C056 | __________ | __________ |\n| Do cost examples use the prescribed assumptions rather than an invented amount or cap? | C046–C047, C054–C055 | __________ | __________ |\n| What communication first states approval? | C021 | __________ | __________ |\n| Was the approval package delivered by the required channel and timing? | C021, C025, C065 | __________ | __________ |\n| Who is primarily liable, and who received each disclosure stage? | C063 | __________ | __________ |\n| What establishes receipt or the applicable mailed-receipt rule? | C025, C067 | __________ | __________ |\n| Does the acceptance notice state the correct receipt-based period and methods? | C024, C028, C057 | __________ | __________ |\n| Does any change fit a specific exception, with all conditions documented? | C029–C035 | __________ | __________ |\n| If the consumer requested changes, were new approval disclosures and a new period supplied? | C034 | __________ | __________ |\n| What constitutes acceptance under the permitted method? | C028 | __________ | __________ |\n| Was the final disclosure supplied after acceptance? | C022, C058 | __________ | __________ |\n| Are the final cancellation date, methods, mail rule, and no-funding statement present? | C036–C038 | __________ | __________ |\n| Does the cancellation calculation use the creditor-business-functions definition? | C026, C036 | __________ | __________ |\n| Was disbursement withheld through the required period and possible timely notice delivery? | C038–C039 | __________ | __________ |\n| Is any fee specifically imposed for cancellation or prepayment? | C040–C041 | __________ | __________ |\n| Was the required applicant-signed self-certification obtained before consummation? | C068–C073 | __________ | __________ |\n| Do the COA/aid entries cover the same period and have a stated estimation basis? | C061, C072 | __________ | __________ |\n| Is the blank self-certification version/current approval status established? | C074–C075, C084 | __________ | __________ |\n| Is electronic consent separate from mere application/contract assent and demonstrably sufficient? | C064–C067 | __________ | __________ |\n| Is the form retainable, grouped, segregated, and appropriately prominent? | C059–C060 | __________ | __________ |\n| Are model changes within the actual Appendix conditions? | C076–C077 | __________ | __________ |\n| Have pixels, continuation pages, contrast, type size, and electronic presentation actually been seen? | C078–C079 | __________ | __________ |\n| Which conclusions remain outside this component? | Parent holds below | __________ | __________ |\n\n## 6. Source table — complete literal HTTPS URLs, read bounds, versions, and limits\n\n### Common metadata applicable to every row\n\n**Jurisdiction:** US federal.\n**Actual check date:** October 27, 2026, America/Los_Angeles.\n**Freshness:** Every substantive body listed as read was freshly accessed in this assignment. Later internal reuse is reuse of that fresh reading, not a prior-report foundation.\n\nVersion abbreviations:\n\n- **U120:** House page states laws in effect through **Public Law 119-120, October 7, 2026**.\n- **U121:** House page states laws in effect through **Public Law 119-121, October 9, 2026**.\n- **CZ:** CFPB page labels itself the current regulation/interpretation; this is a publisher version label, not a complete annual-CFR audit.\n- **E12:** eCFR Title 12 displayed current through **October 23, 2026**, with that title last amended October 23.\n- **E34:** eCFR Title 34 displayed current through **October 23, 2026**, with that title last amended October 8.\n- **HTML:** no printed page or PDF index applies.\n- **PDF index:** zero-based. For model/form PDFs, document pages 1–2 correspond to indices 0–1; printed folios were not visually verified.\n\n| Source ID | Issuer, title, and complete literal HTTPS URL(s) | Exact body read / printed page / PDF index | Version, effective predicate, and read/currentness limit |\n| --- | --- | --- | --- |\n| **R018-P1-S001** | US House OLRC, **15 U.S.C. §1638 — Transactions other than under an open end credit plan**. [https://uscode.house.gov/us/usc/119-118/t15/s1638/](https://uscode.house.gov/us/usc/119-118/t15/s1638/?utm_source=chatgpt.com) | Complete necessary §1638(e)(1)–(11); relevant subsection (a) disclosures and effective-date notes. HTML | **U120**, despite older number in URL. Fresh body read; internal reuse. 2008 enactment/delayed-effect notes distinguished from 2009 rule dates. Not every unrelated mortgage clause/history audited |\n| **R018-P1-S002** | US House OLRC, **15 U.S.C. §1650 — Preventing unfair and deceptive private educational lending practices and eliminating conflicts of interest**. [https://uscode.house.gov/us/usc/119-120/t15/s1650/](https://uscode.house.gov/us/usc/119-120/t15/s1650/?utm_source=chatgpt.com) | Entire (a)–(g) body and relevant notes read; reliance focuses on (a)(1)–(8) and (e). HTML | **U120**. Other conflict/cosigner provisions were not developed into a complete component; later cosigner applicability remains held |\n| **R018-P1-S003** | US House OLRC, **15 U.S.C. §1602 — Definitions and rules of construction**. [https://uscode.house.gov/us/usc/119-121/t15/s1602/](https://uscode.house.gov/us/usc/119-121/t15/s1602/?utm_source=chatgpt.com) | Relevant definitions (d)–(j), especially (g) creditor, (h) consumer, (i) open-end. HTML | **U121**. Selected necessary body; not all definitions or historical amendments |\n| **R018-P1-S004** | US House OLRC, **15 U.S.C. §1603 — Exempted transactions**. [https://uscode.house.gov/us/usc/119-121/t15/s1603/](https://uscode.house.gov/us/usc/119-121/t15/s1603/?utm_source=chatgpt.com) | Complete numbered exemptions (1)–(7) and relevant notes. HTML | **U121**. No current annual amount threshold computed because private education loans are excepted from that amount exemption |\n| **R018-P1-S005** | US House OLRC, **15 U.S.C. §1604 — Disclosure guidelines**. [https://uscode.house.gov/us/usc/119-121/t15/s1604/](https://uscode.house.gov/us/usc/119-121/t15/s1604/?utm_source=chatgpt.com) | (a)–(f), including adjustment/exception/model authority. HTML | **U121**. Used for the rulemaking explanation, not an actual safe-harbor/remedy determination |\n| **R018-P1-S006** | CFPB, **§1026.46 and official interpretations**. [https://www.consumerfinance.gov/rules-policy/regulations/1026/46/](https://www.consumerfinance.gov/rules-policy/regulations/1026/46/?utm_source=chatgpt.com) ; [https://www.consumerfinance.gov/rules-policy/regulations/1026/interp-46/](https://www.consumerfinance.gov/rules-policy/regulations/1026/interp-46/?utm_source=chatgpt.com) | Entire (a)–(g) and all section-specific official comments, including complete (b)(5) definition. HTML | **CZ**. Fresh full substantive reading across retrievals; later navigation-heavy return not treated as operative body. Cross-checked against S009 |\n| **R018-P1-S007** | CFPB, **§1026.47 and official interpretations**. [https://www.consumerfinance.gov/rules-policy/regulations/1026/47/](https://www.consumerfinance.gov/rules-policy/regulations/1026/47/?utm_source=chatgpt.com) ; [https://www.consumerfinance.gov/rules-policy/regulations/1026/interp-47/](https://www.consumerfinance.gov/rules-policy/regulations/1026/interp-47/?utm_source=chatgpt.com) | Entire (a)–(c), every numbered content item, and all comments, including general “as applicable,” fee/example, maximum-payment, acceptance, and cancellation comments. HTML | **CZ**. Entire focused body read; not all external computation/rate-law cross-references opened |\n| **R018-P1-S008** | CFPB, **§1026.48 and official interpretations**. [https://www.consumerfinance.gov/rules-policy/regulations/1026/48/](https://www.consumerfinance.gov/rules-policy/regulations/1026/48/?utm_source=chatgpt.com) ; [https://www.consumerfinance.gov/rules-policy/regulations/1026/interp-48/](https://www.consumerfinance.gov/rules-policy/regulations/1026/interp-48/?utm_source=chatgpt.com) | Entire (a)–(f) and all comments, including every change exception, cancellation procedure, self-certification, co-branding, and preferred-lender condition. HTML | **CZ**. Later main-page return supplied navigation; complete operative text independently retrieved in S009 and comments remained accessible |\n| **R018-P1-S009** | OFR/GPO eCFR, **12 CFR part 1026, Subpart F**. [https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-F](https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-F?utm_source=chatgpt.com) | Complete operative §§1026.46–.48, read across body windows; no claim to a complete eCFR Supplement I reading through this URL. HTML | **E12**. Page expressly describes eCFR as authoritative but unofficial; not an official annual edition. Same Regulation Z source family as S006–S008 |\n| **R018-P1-S010** | CFPB, **Regulation Z scope, definitions, exemptions**. [https://www.consumerfinance.gov/rules-policy/regulations/1026/1/](https://www.consumerfinance.gov/rules-policy/regulations/1026/1/?utm_source=chatgpt.com) ; [https://www.consumerfinance.gov/rules-policy/regulations/1026/2/](https://www.consumerfinance.gov/rules-policy/regulations/1026/2/?utm_source=chatgpt.com) ; [https://www.consumerfinance.gov/rules-policy/regulations/1026/3/](https://www.consumerfinance.gov/rules-policy/regulations/1026/3/?utm_source=chatgpt.com) | §1(c)(1); §2(a)(3), (6), (10)–(14), (17)(i)/(v), (19)–(20), necessary comments; §3(a), (b)(1), (f), (g) and relevant comments. HTML | **CZ**. Necessary gateway/clock bodies read; not all mortgage/card/retirement-plan cross-references |\n| **R018-P1-S011** | CFPB/eCFR, **§§1026.17–.18**. [https://www.consumerfinance.gov/rules-policy/regulations/1026/17/](https://www.consumerfinance.gov/rules-policy/regulations/1026/17/?utm_source=chatgpt.com) ; [https://www.consumerfinance.gov/rules-policy/regulations/1026/18/](https://www.consumerfinance.gov/rules-policy/regulations/1026/18/?utm_source=chatgpt.com) ; [https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-C/section-1026.18](https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-C/section-1026.18?utm_source=chatgpt.com) | §17(a), (b), (d), (e), relevant (f) and comments; complete §18(a)–(r) operative text, selected comments, mortgage (s)/(t) scope. HTML | **CZ/E12**. Not complete finance-charge/APR computation, all §18 commentary, or full interim-credit/mortgage analysis |\n| **R018-P1-S012** | CFPB, **§1026.23 — Right of rescission**. [https://www.consumerfinance.gov/rules-policy/regulations/1026/23/](https://www.consumerfinance.gov/rules-policy/regulations/1026/23/?utm_source=chatgpt.com) | §23(a)(1) and relevant introductory comments only. HTML | **CZ**. Read solely to distinguish principal-dwelling rescission; full exceptions, remedies, and history not audited |\n| **R018-P1-S013** | US House OLRC, **20 U.S.C. §§1001–1002 — IHE definitions**. [https://uscode.house.gov/us/usc/119-121/t20/s1001/](https://uscode.house.gov/us/usc/119-121/t20/s1001/?utm_source=chatgpt.com) ; [https://uscode.house.gov/us/usc/119-120/t20/s1002/](https://uscode.house.gov/us/usc/119-120/t20/s1002/?utm_source=chatgpt.com) | Complete §1001(a)–(c), §1002(a)–(c), relevant effective note. HTML | §1001 **U121**; §1002 **U120**. Full numbered definitions read, but not every incorporated eligibility/program rule |\n| **R018-P1-S014** | ED/eCFR, **34 CFR §§600.2, .4, .5, .6**. [https://www.ecfr.gov/current/title-34/subtitle-B/chapter-VI/part-600/subpart-A/section-600.2](https://www.ecfr.gov/current/title-34/subtitle-B/chapter-VI/part-600/subpart-A/section-600.2?utm_source=chatgpt.com) ; [https://www.ecfr.gov/current/title-34/subtitle-B/chapter-VI/part-600/subpart-A/section-600.4](https://www.ecfr.gov/current/title-34/subtitle-B/chapter-VI/part-600/subpart-A/section-600.4?utm_source=chatgpt.com) ; [https://www.ecfr.gov/current/title-34/subtitle-B/chapter-VI/part-600/subpart-A/section-600.5](https://www.ecfr.gov/current/title-34/subtitle-B/chapter-VI/part-600/subpart-A/section-600.5?utm_source=chatgpt.com) ; [https://www.ecfr.gov/current/title-34/subtitle-B/chapter-VI/part-600/subpart-A/section-600.6](https://www.ecfr.gov/current/title-34/subtitle-B/chapter-VI/part-600/subpart-A/section-600.6?utm_source=chatgpt.com) | §600.2 selected educational-program, eligible-institution, nonprofit (1)–(4), regular-student, recognized-occupation definitions; complete .4(a)–(c), .5(a)–(e), .6(a)–(d). HTML | **E34**. State authorization, program, accreditation, and foreign-school cross-references not comprehensively followed |\n| **R018-P1-S015** | US House OLRC, **26 U.S.C. §501 — Exemption from tax**. [https://uscode.house.gov/us/usc/119-121/t26/s501/](https://uscode.house.gov/us/usc/119-121/t26/s501/?utm_source=chatgpt.com) | (a), (b), and (c)(3). HTML | **U121**. Limited nonprofit-definition cross-reference; no tax-status lookup, §221 classification, or complete tax analysis |\n| **R018-P1-S016** | US House OLRC, **20 U.S.C. §1087ll — Cost of attendance**. [https://uscode.house.gov/us/usc/119-121/t20/s1087ll/](https://uscode.house.gov/us/usc/119-121/t20/s1087ll/?utm_source=chatgpt.com) | Complete (a)(1)–(14), (b), (c), and relevant amendment/effective notes. HTML | **U121**. Updated COA language read; older Reg Z loan-fee illustration remains a bounded integration issue |\n| **R018-P1-S017** | US House OLRC, **20 U.S.C. §1019 — Definitions**. [https://uscode.house.gov/us/usc/119-120/t20/s1019/](https://uscode.house.gov/us/usc/119-120/t20/s1019/?utm_source=chatgpt.com) | Complete numbered definitions (1)–(9), especially institution-affiliated organization and preferred-lender arrangement. HTML | **U120**. No actual arrangement/entity inquiry |\n| **R018-P1-S018** | US House OLRC, **20 U.S.C. §1019d — Self-certification form for private education loans**. [https://uscode.house.gov/us/usc/119-118/t20/s1019d/](https://uscode.house.gov/us/usc/119-118/t20/s1019d/?utm_source=chatgpt.com) | Entire (a)–(b) and relevant notes; reliance principally (a)(1)–(5). HTML | **U120**. Current SAI wording distinguished from older blank form; no actual remedy conclusion from subsection (b) |\n| **R018-P1-S019** | US House OLRC, **20 U.S.C. §1094 — Program participation agreements**. [https://uscode.house.gov/us/usc/119-121/t20/s1094/](https://uscode.house.gov/us/usc/119-121/t20/s1094/?utm_source=chatgpt.com) | Subsection (a) opening and full (a)(28). HTML | **U121**. No complete participation-agreement, school eligibility, or aid administration audit |\n| **R018-P1-S020** | ED/eCFR, **34 CFR §§601.11, 668.14**. [https://www.ecfr.gov/current/title-34/subtitle-B/chapter-VI/part-601/subpart-B/section-601.11](https://www.ecfr.gov/current/title-34/subtitle-B/chapter-VI/part-601/subpart-B/section-601.11?utm_source=chatgpt.com) ; [https://www.ecfr.gov/current/title-34/subtitle-B/chapter-VI/part-668/subpart-B/section-668.14](https://www.ecfr.gov/current/title-34/subtitle-B/chapter-VI/part-668/subpart-B/section-668.14?utm_source=chatgpt.com) | Complete §601.11(a)–(d); full §668.14(b)(29). HTML | **E34**. Whole-page future-rule notice not treated as proof of a change to these particular clauses; broader preferred-lender/participation duties held |\n| **R018-P1-S021** | US House OLRC, **15 U.S.C. §7001 — E-Sign general validity rule**. [https://uscode.house.gov/us/usc/119-121/t15/s7001/](https://uscode.house.gov/us/usc/119-121/t15/s7001/?utm_source=chatgpt.com) | (a)–(c) complete; relevant retention/original provisions (d)–(e), effective notes. HTML | **U121**. General effective date October 1, 2000; specified retention-related transitions separately noted in body. No actual consent/signature audit |\n| **R018-P1-S022** | US House OLRC, **5 U.S.C. §6103 — Holidays**. [https://uscode.house.gov/us/usc/119-118/t5/s6103/](https://uscode.house.gov/us/usc/119-118/t5/s6103/?utm_source=chatgpt.com) | (a)–(d), especially complete (a) holiday list. HTML | **U120**. Actual legal-holiday list, not an assumed business calendar |\n| **R018-P1-S023** | US House OLRC, **15 U.S.C. §1681a — Definitions; rules of construction**. [https://uscode.house.gov/us/usc/119-121/t15/s1681a/](https://uscode.house.gov/us/usc/119-121/t15/s1681a/?utm_source=chatgpt.com) | Complete (l)(1)–(3), firm offer of credit/insurance. HTML | **U121**. Necessary solicitation cross-reference only; no consumer-report or prescreening inquiry |\n| **R018-P1-S024** | Federal Reserve Board, **Truth in Lending, final rule and official staff commentary**, 74 FR 41194–41257, August 14, 2009. [https://www.govinfo.gov/content/pkg/FR-2009-08-14/html/E9-18548.htm](https://www.govinfo.gov/content/pkg/FR-2009-08-14/html/E9-18548.htm?utm_source=chatgpt.com) ; [https://www.govinfo.gov/content/pkg/FR-2009-08-14/pdf/E9-18548.pdf](https://www.govinfo.gov/content/pkg/FR-2009-08-14/pdf/E9-18548.pdf?utm_source=chatgpt.com) ; issuance/discovery page [https://www.federalreserve.gov/newsevents/pressreleases/bcreg20090730a.htm](https://www.federalreserve.gov/newsevents/pressreleases/bcreg20090730a.htm?utm_source=chatgpt.com) | Material portions: 41194/PDF0 dates; 41198/4 business days; 41201–02/7–8 creditor/institution exceptions; 41208/14 timing; 41215–16/21–22 selected alternatives; 41221–22/27–28 final timing/content; 41226–28/32–34 selected cancellation/self-certification/effectivity; 41248/54 complete transition comments | **Historical final rule.** Effective September 14, 2009; mandatory predicates detailed in C082. Selected body read, **not all 64 PDF pages**. Preamble distinguished from codified rule |\n| **R018-P1-S025** | CFPB, **Truth in Lending (Regulation Z), interim final rule**, 76 FR 79768, December 22, 2011. [https://www.federalregister.gov/documents/2011/12/22/2011-31715/truth-in-lending-regulation-z](https://www.federalregister.gov/documents/2011/12/22/2011-31715/truth-in-lending-regulation-z?utm_source=chatgpt.com) ; attempted PDF [https://www.govinfo.gov/content/pkg/FR-2011-12-22/pdf/2011-31715.pdf](https://www.govinfo.gov/content/pkg/FR-2011-12-22/pdf/2011-31715.pdf?utm_source=chatgpt.com) | HTML dates, summary, §§I and II.A–B; printed opening pp. 79768–79769. PDF body retrieval failed because file exceeded retrieval size; PDF indices not verified | **Historical interim final rule**, effective December 30, 2011. No claim to reading the complete republication |\n| **R018-P1-S026** | CFPB, **Appendix H; official G/H and H interpretations**. [https://www.consumerfinance.gov/rules-policy/regulations/1026/h/](https://www.consumerfinance.gov/rules-policy/regulations/1026/h/?utm_source=chatgpt.com) ; [https://www.consumerfinance.gov/rules-policy/regulations/1026/interp-gh/](https://www.consumerfinance.gov/rules-policy/regulations/1026/interp-gh/?utm_source=chatgpt.com) | Appendix H comment 25(i)–(vi), comments 26–28; G/H comments 1–2; current H-18–H-23 labels/placeholders. HTML | **CZ**. Applicable instructions read; current embedded model pixels not inspected |\n| **R018-P1-S027** | Federal Reserve Board, **H-18, H-19, H-20 model disclosures**, issued with July 30, 2009 release. H-18 [https://www.federalreserve.gov/newsevents/pressreleases/files/bcreg20090730a3.pdf](https://www.federalreserve.gov/newsevents/pressreleases/files/bcreg20090730a3.pdf?utm_source=chatgpt.com) ; H-19 [https://www.federalreserve.gov/newsevents/pressreleases/files/bcreg20090730a4.pdf](https://www.federalreserve.gov/newsevents/pressreleases/files/bcreg20090730a4.pdf?utm_source=chatgpt.com) ; H-20 [https://www.federalreserve.gov/newsevents/pressreleases/files/bcreg20090730a5.pdf](https://www.federalreserve.gov/newsevents/pressreleases/files/bcreg20090730a5.pdf?utm_source=chatgpt.com) | All parsed text, both document pages/PDF indices 0–1 of each; extracted lines approximately 0–87, 0–131, 0–115 respectively | **Historical official models.** Image attempts for all six pages supplied no inspectable pixels. Current visual identity/full-form compliance not established |\n| **R018-P1-S028** | Federal Reserve Board, **H-21, H-22, H-23 samples**. H-21 [https://www.federalreserve.gov/newsevents/pressreleases/files/bcreg20090730a6.pdf](https://www.federalreserve.gov/newsevents/pressreleases/files/bcreg20090730a6.pdf?utm_source=chatgpt.com) ; H-22 [https://www.federalreserve.gov/newsevents/pressreleases/files/bcreg20090730a7.pdf](https://www.federalreserve.gov/newsevents/pressreleases/files/bcreg20090730a7.pdf?utm_source=chatgpt.com) ; H-23 [https://www.federalreserve.gov/newsevents/pressreleases/files/bcreg20090730a8.pdf](https://www.federalreserve.gov/newsevents/pressreleases/files/bcreg20090730a8.pdf?utm_source=chatgpt.com) | All parsed text, both pages/PDF 0–1 of each; approximately 111, 142, 126 extracted lines. H-23 conflict specifically page0 versus page1/line112 | **Historical official samples.** No image inspection or current-rate inference; no sample identifiers reused |\n| **R018-P1-S029** | ED/FSA, **Private Education Loan Applicant Self-Certification**. [https://fsapartners.ed.gov/sites/default/files/2023-06/H450PrivateEducationLoanApplicantSelfCertificationForm.pdf](https://fsapartners.ed.gov/sites/default/files/2023-06/H450PrivateEducationLoanApplicantSelfCertificationForm.pdf?utm_source=chatgpt.com) | Full parsed two-page form, sections 1–6, PDF indices 0–1; approximately 69 extracted lines | Linked 2023 form; printed expiration August 31, 2025. Both page-image attempts unsuccessful. Current OMB approval and replacement status unresolved |\n| **R018-P1-S030** | ED/FSA, **Private Education Loans Form and Topics Page**, July 6, 2023, GENERAL-23-55; current topic page. [https://fsapartners.ed.gov/knowledge-center/library/electronic-announcements/2023-07-06/private-education-loans-form-and-topics-page](https://fsapartners.ed.gov/knowledge-center/library/electronic-announcements/2023-07-06/private-education-loans-form-and-topics-page?utm_source=chatgpt.com) ; [https://fsapartners.ed.gov/knowledge-center/topics/private-education-loan-information](https://fsapartners.ed.gov/knowledge-center/topics/private-education-loan-information?utm_source=chatgpt.com) | Complete short announcement and topic/link page | **Official announcement/resource guidance.** Establishes the located link path, not current OMB approval or statutory amendment |\n| **R018-P1-S031** | ED/FSA, **2026–2027 FSA Handbook, Volume 2, Chapter 6 — Consumer Information and School Reporting**. [https://fsapartners.ed.gov/knowledge-center/fsa-handbook/2026-2027/vol2/ch6-consumer-information-and-school-reporting](https://fsapartners.ed.gov/knowledge-center/fsa-handbook/2026-2027/vol2/ch6-consumer-information-and-school-reporting?utm_source=chatgpt.com) | Private Education Loans/self-certification section, retrieved text around lines 986–1051 and related continuation; not entire chapter | **2026–27 guidance edition.** Read instructions and current form-link route; not legislative or full program-compliance authority |\n| **R018-P1-S032** | CFPB, **Withdrawn Guidance register**. [https://www.consumerfinance.gov/compliance/guidance/withdrawn-guidance/](https://www.consumerfinance.gov/compliance/guidance/withdrawn-guidance/?utm_source=chatgpt.com) | Relevant December 2020 private-education-loan advisory entry, 85 FR 79400, and status | **Publisher withdrawal status**, checked October 27, 2026. Underlying advisory not used as operative foundation |\n| **R018-P1-S033** | CFPB, **Interpretive Rules, Policy Statements, and Advisory Opinions; Withdrawal**, May 12, 2025, 90 FR 20084–20087. [https://www.federalregister.gov/documents/2025/05/12/2025-08286/interpretive-rules-policy-statements-and-advisory-opinions-withdrawal](https://www.federalregister.gov/documents/2025/05/12/2025-08286/interpretive-rules-policy-statements-and-advisory-opinions-withdrawal?utm_source=chatgpt.com) ; [https://www.govinfo.gov/content/pkg/FR-2025-05-12/pdf/2025-08286.pdf](https://www.govinfo.gov/content/pkg/FR-2025-05-12/pdf/2025-08286.pdf?utm_source=chatgpt.com) | CFPB summary/dates/relevant analysis and withdrawal list; effective-date text p.20084/PDF0; Part III item13 p.20086/PDF2. Unrelated material on first PDF page not relied on | **Withdrawal effective May 12, 2025.** Status of the identified advisory verified; not a repeal of statute/regulation or a full litigation-history audit |\n\n## 7. Granular coverage table\n\n“Answered” means the generic authority question was answered within the stated reading bounds. It does not mean an actual loan, institution, document, date, or parent component has been accepted.\n\n| Assigned subquestion or major branch | Coverage status | Claim/example links | Exact missing authority or facts | Next bounded permissible investigation |\n| --- | --- | --- | --- | --- |\n| Complete statutory private-loan definition | **Answered** | C001–C002; E01–E04 | Actual statutory actor/product facts held | None needed for the stated generic definition |\n| Regulatory creditor conditions and regularity | **Answered, bounded** | C002–C004; E07, E24 | Actual extension counts, finance charge, installments, initial payee; full bank/credit-union charter definitions | If necessary, read generic 12 U.S.C. §§1813/1752 definitions; no entity lookup |\n| Consumer, borrower, student, guarantor distinctions | **Answered** | C004, C063; E15 | Actual contractual roles and authority | Generic published contract-language comparison only |\n| Covered institution versus IHE | **Partial** | C005–C006, C069 | Detailed §600.9, §668.8, accreditation and foreign-school cross-references | Read only the specific generic subdefinition necessary for a further classification question |\n| Tax-definition cross-reference | **Answered to necessary extent** | C006; S015 | Further §501 exceptions and any tax-qualified-loan issue | Separate tax component if needed; no status lookup |\n| Postsecondary expenses and COA | **Answered with narrow gap** | C007–C008; E17 | Actual expense/enrollment facts; integration of revised federal-fee wording | Official amendment/interpretation addressing the fee cross-reference |\n| Title IV exclusion | **Answered** | C009; E01 | Actual program basis | No ED collection research; generic program authority only if classification requires it |\n| Other-purpose/unknown-purpose credit | **Answered as unresolved classification** | C004, C014, C017; E02 | Express purpose and contract | No actual fact investigation in this component |\n| Open-end exclusion | **Answered** | C010; E03 | Actual replenishment/repeated-transaction terms | Generic contract structure only |\n| Real-property/dwelling security exclusion | **Answered** | C010, C042; E04 | Actual collateral terms | No property query; separate generic secured-credit analysis if needed |\n| Institutional ≤90-day credit | **Answered** | C011, C013; E05 | Institution-as-creditor and actual term | None needed for generic rule |\n| Institutional ≤1-year/no-interest plan | **Answered** | C012–C013; E06–E07 | Interest, term, fee, installment, creditor facts | Generic plan terms only; ordinary TILA questions remain separate |\n| Tuition arrears/receivables | **Partial; parent preserved** | C004, C017; E24 | Right to defer and full obligation structure | Separate generic tuition-receivable classification component |\n| Unknown ISA/scholarship/overpayment | **Unresolved; parent preserved** | C017; E22 | Operative contractual/legal features | Separate public-authority/generic-contract component without identifiers |\n| Mixed-purpose loans | **Answered** | C014; E02 | Actual express-use indication | None needed for generic rule |\n| Private consolidation/optional postgraduate loans | **Answered, bounded** | C015–C016 | Actual underlying loan and expense categories; federal refinancing not resolved | Separate generic refinancing classification if authorized |\n| Application versus invitation/solicitation | **Answered** | C019–C020; E08 | Actual communication | None needed for generic trigger |\n| Approval trigger and channel timing | **Answered** | C021; E09 | Approval wording, channel, mailing/delivery | No actual notice audit |\n| Final trigger and statutory/regulatory reconciliation | **Answered** | C022–C023, C058; E13 | State-law consummation and actual sequence | Generic state-law issue only in a separately bounded component |\n| All three-stage content lists | **Answered, computation bounded** | C043–C058 | Actual terms; full pricing calculations | §1026.4/.22/Appendix J only if a later pricing component requires them |\n| Rate ranges and permitted estimates | **Answered** | C043–C047, C054–C055, C061 | Actual offered rates, fees, capitalization, ceilings | Generic calculation rules; no actual lawful-APR finding |\n| Federal-aid alternatives | **Answered as disclosure duty** | C049, C056 | Actual current program rates and applicant eligibility; underlying rate-law cross-references | Official generic Title IV rate provisions if a current rate table is separately required |\n| Cosigner disclosures and recipient rules | **Answered, liability held** | C048, C063; E15 | Primary versus secondary obligation; other-law notices | Separate generic cosigner-liability/release component |\n| Clear/conspicuous, segregation, prominence | **Answered as rule; visual unresolved** | C059–C060; E19 | Actual pixels/layout | Inspect official blank-form images when accessible; no unseen-layout certification |\n| Electronic application exception | **Answered** | C064; E18 | Actual on-screen placement/bypass behavior | Generic interface specification only |\n| Electronic approval/final consent | **Answered as statutory conditions** | C065–C067; E18 | Consent, access, retention, delivery/receipt | No actual account/browser inspection |\n| Business-day definition for each period | **Answered** | C020–C027, C036; E10 | Actual creditor business functions/calendar | No personal calendar calculation |\n| Mailed versus electronic receipt | **Answered / electronic facts unresolved** | C025, C067; E09, E18 | Actual electronic receipt evidence | Generic delivery-law interpretation if needed |\n| Acceptance availability and methods | **Answered** | C024, C028–C029, C057; E09, E13 | Actual receipt and acceptance | No individual deadline |\n| Index and beneficial changes | **Answered** | C031–C032; E11, E23 | Actual index, margin, benefit, independent authority | Read any specifically asserted generic federal authorization before relying on it |\n| Aid/COA/enrollment change exception | **Answered** | C033 | Actual source and substance of information | No school/borrower records inquiry |\n| Consumer-requested changes | **Answered** | C034; E12 | Actual request, replacement acceptance | None needed for generic conditions |\n| Fraud/prohibited-law/mistake branches | **Answered within §48; other doctrines held** | C030, C035; E23 | Actual fraud/legal prohibition; error-defense law outside scope | Separate generic statutory-defense analysis only if assigned |\n| Cancellation procedure and earliest funding | **Answered** | C036–C039; E13–E14 | Actual notice, dispatch, end-of-period facts | No actual cancellation or disbursement audit |\n| Fee-free cancellation, return, prepayment | **Answered with return limits** | C039–C041; E14 | Actual fee character, voluntary longer-period terms, return mechanics | Separate generic refund/return provisions if necessary |\n| Home rescission and later relief distinctions | **Answered as distinction; broader law excluded** | C042; E04 | Full rescission/remedy/discharge facts and law | Preserve for respective parent components |\n| Self-certification statute/regulation | **Answered** | C068–C073; E16–E17 | Actual attendance, form, signature, consummation | No actual form completion |\n| School provision/assistance duties | **Answered, bounded** | C071, C073 | Actual request/information possessed | No contacts or records requests |\n| ED electronic-signature requirements | **Unresolved authority gap** | C073; E18 | Specific ED-issued standards referenced by comment 48(e)-2 | Locate official generic ED standards/instructions |\n| Estimated aid/COA and form difference | **Answered as form function** | C061, C072, C075; E17 | Actual estimates; current form integration | Official generic instructions only; no award calculation |\n| Current blank form/OMB status | **Partial** | C074–C075; E20 | Official replacement/reapproval/current approval status | Locate official blank replacement or published reapproval instructions without identifier testing |\n| H-18–H-23 content and safe harbor | **Answered in text; visual partial** | C076–C079; E19, E21 | Current embedded pixels and H-23 text reconciliation | Public official image/form comparison only |\n| Final-rule/transition history | **Answered for material transitions** | C082–C084 | Full annual-CFR/session-law chain not audited | Bounded official edition/session-law comparison if separately needed |\n| Withdrawn CFPB guidance | **Answered for guidance mentioned** | C085 | No other advisory used as operative law | Recheck only any additional guidance actually proposed for use |\n| Future/proposed/stayed/vacated/repealed status | **Bounded/unknown beyond checks** | C086 | Complete amendment and judicial-history audit | Published authority review only if material; no docket/status query |\n| Ancillary co-branding/preferred-lender provisions | **Answered within §48** | C080–C081 | Other HEA conflict/arrangement obligations and actual facts | Separate generic institutional-lending component |\n| Numerical illustration | **Not needed** | C046, C054–C055, C072 | No actual inputs | None; no invented deadline, award, price, or APR |\n| Blank worksheet and qualitative branches | **Delivered** | Worksheet; E01–E24 | All worksheet factual entries intentionally blank | No operational use or acceptance implied |\n| Cases, standing, remedies, filing questions | **Excluded / not necessary here** | C035, C042, C086 | No majority opinion or later history used | Published majority opinion only if a future bounded interpretive issue makes it necessary |\n| R017/T006 and ED federal collection | **Excluded by assignment** | C009 and parent holds | No prior report or federal collection foundation | No duplication or continuation inferred |\n| Remaining A018 dimensions | **Preserved** | C017, C042 and holds below | All unaddressed legal/product/contract/state/country facts | Separate focused components; no parent closure |\n\n## 8. Question → claim/source crosswalk\n\n| User question | Principal answer locations | Main sources |\n| --- | --- | --- |\n| **1. Definitions, actors, covered institution, purpose, expenses, exclusions, institutional tests, labels** | C001–C018; E01–E07, E22, E24; classification coverage rows | S002–S006, S009–S010, S013–S017 |\n| **2. Complete necessary three-stage disclosure rules, timing, content, form, business days, electronic delivery, multiple parties** | Stage and clock tables; C019–C028, C043–C067; E08–E10, E15, E18–E19 | S001, S006–S011, S021–S024, S026 |\n| **3. Acceptance, changes, cancellation, fees, disbursement, distinct relief** | C024–C042, C057–C058; E09–E14, E23 | S001–S002, S006–S010, S012, S024 |\n| **4. Self-certification, official blank form/instructions, H-series models, history/currentness** | C068–C079, C082–C086; model table; E16–E21; source/read logs | S001, S008, S018–S020, S024–S033 |\n| **5. Comparison, worksheet, qualitative branches, gaps and parent holds** | All stage/clock/model tables; blank worksheet; E01–E24; granular coverage; self-check/holds | Provision-specific sources above; no independent actual-record foundation |\n\n## 9. Read and failure log\n\n| Read or retrieval event | Result and exact extent | Consequence for this report |\n| --- | --- | --- |\n| TILA education-loan statutory bodies | §1638(e)(1)–(11) and §1650 definitions/restrictions read as bodies; necessary §1602/§1603/§1604 provisions and notes read | Findings use operative text, not search snippets or headnotes |\n| Regulation Z focused provisions | Complete §§1026.46–.48 and all their section-specific official interpretations read across CFPB/eCFR retrievals | Complete focused regulatory definition, conditions, exceptions, and disclosure lists were available |\n| Necessary cross-references | Selected scope/creditor/business-day/ordinary-disclosure/E-Sign/HEA/tax/holiday/FCRA bodies read to the extents in S010–S023 | Unopened nested definitions and computation rules remain explicit gaps |\n| 2009 final rule | Material body passages and transition comments read; exact printed/PDF pinpoints in S024 | Historical implementation explanation used; no claim to reading all 64 pages |\n| Early House preliminary routes | Initial §1638 and §1650 requests returned 404 at [https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section1638&num=0&edition=prelim](https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section1638&num=0&edition=prelim) and [https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section1650&num=0&edition=prelim](https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section1650&num=0&edition=prelim&utm_source=chatgpt.com). Other preliminary-route attempts for definitions/E-Sign/holidays also failed; successful versioned body URLs are in the source table | Recovered bodies supplied authority. Failed route does not imply no statute |\n| Versioned HEA retrievals and malformed cross-link | Some earlier-version §1001/§1002/§1087ll routes failed; successful bodies are S013/S016. A link led to [https://uscode.house.gov/us/usc/119-120/t20/s1087/](https://uscode.house.gov/us/usc/119-120/t20/s1087/?utm_source=chatgpt.com), which is not §1087ll | Wrong-section destination was not used for COA or federal collection findings |\n| ED short eCFR URL | [https://www.ecfr.gov/current/title-34/section-601.11](https://www.ecfr.gov/current/title-34/section-601.11) returned a retrieval error/rate-limit response; canonical S020 URL succeeded | No substantive gap remains for §601.11’s read body |\n| Legacy 2009 final-rule link | [https://edocket.access.gpo.gov/2009/E9-18548.htm](https://edocket.access.gpo.gov/2009/E9-18548.htm) redirected to a failing government redirect; direct GovInfo HTML/PDF succeeded | S024 supplies the historical body |\n| 2011 republication | GovInfo PDF retrieval failed because the roughly 40.9 MB file exceeded retrieval limits; GovInfo HTML route also failed. FederalRegister.gov introductory body succeeded | Only stated HTML opening portions were read; full republication and PDF page indices remain unverified |\n| Later CFPB main-page retrieval | A final §1026.48 return supplied navigation rather than operative text; another §1026.46 return was navigation-heavy. Complete earlier bodies, current eCFR Subpart F, and separate interpretation pages remained available | No main-page label or navigation text was substituted for substantive reading |\n| Model/form parsed text | All two-page H-18–H-23 PDFs and the two-page ED form were parsed and read | Supports text-content comparison only |\n| PDF image attempts | H-18, H-19, H-20, and ED form: PDF indices 0 and 1 of each attempted; responses supplied placeholders without inspectable pixels | Eight attempted page views did **not** produce visual verification. Samples H-21–H-23 were not visually inspected either |\n| Current self-certification form search | Official announcement/topic/2026–27 Handbook route led to the 2023 PDF with printed 2025 expiration. No newer official blank or reapproval was located in the bounded search | Current OMB approval/replacement status remains unresolved; no claim that the statutory duty expired |\n| ED electronic-signature cross-reference | Comment 48(e)-2’s reference to ED-issued requirements was read; the specific technical standards were not located/read | Electronic self-certification validity is not certified |\n| Withdrawn guidance | Official CFPB register and May 12, 2025 withdrawal publication checked for the 2020 advisory mentioned | Advisory not used as operative law |\n| Judicial authorities | No case opinion was necessary to establish the focused rule text, and none was used | No holding, disposition, later-history, stay/vacatur, standing, or remedy claim is made |\n\n### Explicit unopened or incomplete cross-references\n\nThe following remain bounded gaps rather than assumed answers:\n\n- Full financial-institution/federal-credit-union definitions in **12 U.S.C. §§1813 and 1752**.\n- Detailed ED state authorization, program, accreditation, and foreign-institution provisions, including **34 CFR §600.9, §668.8, relevant subpart O provisions, parts 602–603, and §600.51 et seq.**\n- The entire finance-charge/APR framework, including **15 U.S.C. §§1605–1606, 12 CFR §§1026.4 and .22, and Appendix J**.\n- Current federal-loan rate and award provisions referenced by the alternative-loan disclosures, including the relevant **20 U.S.C. §1077a** cross-reference and any successor/applicable program provisions.\n- ED’s specific electronic-signature requirements referenced in comment **48(e)-2**.\n- Official replacement/reapproval documentation for the currently linked self-certification form.\n- A complete annual-CFR/session-law comparison and any material published-opinion later-history review.\n- State contract/consummation, enforceability, usury, licensing, remedies, and all international law.\n\nThese limits do not negate the provisions whose complete necessary bodies were read.\n\n## 10. Self-check — not independent review\n\nThis is an internal consistency and coverage check, **not independent review, component acceptance, or a compliance certification**.\n\n| Check | Result |\n| --- | --- |\n| Fresh primary bodies rather than prior report/chat foundation | Used fresh public statute, regulation, official interpretation, final-rule, and generic form/instruction readings |\n| Complete private-education-loan regulatory definition | Included all §1026.46(b)(5)(i)–(iv) conditions and both institutional exclusions |\n| Three disclosure stages kept distinct | Application, approval, and final triggers/content separated |\n| Business-day definitions traced separately | General delivery/cancellation definition distinguished from specific mailed-receipt definition and calendar-day acceptance |\n| Statute versus regulation | Consummation wording and regulatory acceptance/receipt implementation expressly distinguished |\n| Change exceptions | Index, unequivocal benefit, prohibited law/fraud, COA/aid reduction, nonenrollment comment, and consumer-requested changes addressed; no invented mistake exception |\n| Cancellation versus refund/prepayment/other relief | Distinctions expressly preserved |\n| Self-certification | Before-consummation requirement, narrower IHE scope, assistance, estimates, signature gap, form-version issue addressed |\n| Model use and visuals | Text read bounds stated; unseen pixels not certified; archived H-23 inconsistency reported |\n| Currentness and withdrawal | Exact accessed compilation/currency limits and 2025 advisory withdrawal identified |\n| Qualitative branches | Twenty-four branches supplied, including more than eight explicit stipulated failure branches |\n| Worksheet | Blank; no actual or fictitious identity, account, date, amount, or individualized finding |\n| Numerical conclusions | No personal calendar, actual price, award, universal APR, or invented credit ceiling |\n| Operations and prohibited inquiries | No record lookup, identifier testing, contact, filing, account change, purchase, site publication, or other person-directed action |\n| Model/UI provenance | No claim about an unseen UI model selection or provenance |\n\n## 11. Specific parent holds preserved\n\n**Actual facts remain held:** purpose; product; actor and creditor status; institution and program; qualifying expenses; aid; thresholds; contract and consummation; notice content and delivery; receipt; electronic consent; acceptance; cancellation; self-certification; and disbursement.\n\n**The remaining A018 legal dimensions remain held:** complete loan origination and pricing; servicing; delinquency/default; cosigner liability and release; state enforceability, usury, and licensing; settlement; collections; credit reporting; limitation periods; remedies; litigation; bankruptcy and tax; tuition receivables and plans beyond the focused classification rules; income-share arrangements; scholarship repayment; aid overpayments; transcripts; international/country law; and every other unaddressed A018 question.\n\n**R017/T006 and ED federal-loan collection are not researched or duplicated here.** No comprehensive all-state, all-product, all-contract, or parent closure is implied.\n\n**No component, parent, operations, or publication acceptance is given.**\n\nEND R018 PASS-01\n\n","tables":[{"headers":["Stage and operative trigger","Required recipient or actor","Required content","Timing and consequence","Principal claims"],"index":0,"links":[],"row_links":[[],[],[],[],[],[],[],[],[]],"rows":[["Stage and operative trigger","Required recipient or actor","Required content","Timing and consequence","Principal claims"],["Application or solicitation: a covered application, or an offer of credit that does not require an application","Creditor provides to the prospective consumer; the multiple-consumer rule remains relevant","§1026.47(a)(1)–(8): offered rates/ranges and variability; fees/default consequences; repayment and deferral terms; prescribed comparative cost examples; age/enrollment criteria; federal-aid alternatives; acceptance-right statement; applicable self-certification statement","On or with the application or solicitation. Telephone and multipurpose-application exceptions are specific, not general exemptions from Subpart F","C019–C020, C043–C050"],["Approval: any notice that the loan has been approved","Creditor provides to the consumer","Applicable §1026.18 disclosures plus §1026.47(b)(1)–(5): approved rate, fees, principal, repayment estimates, federal alternatives, and specific acceptance-expiration date/method","Before consummation and on or with approval notice. In person: then. Mail: same mailing. Telephone: mail within three general business days. Electronic-only delivery requires applicable E-Sign compliance; otherwise mail within three general business days","C021, C051–C057, C065"],["Acceptance opportunity: receipt of approval disclosures","Consumer may accept by the disclosed permitted method","The approval disclosure must identify the actual expiration date and acceptance methods","At least 30 calendar days following receipt; creditor may allow longer. Consumer may accept earlier. Mailing an approval is not the receipt trigger. Acceptance by permitted mail is timely upon timely dispatch","C024–C028"],["Acceptance and protection of disclosed terms","Consumer communicates acceptance; creditor applies §1026.48(c)","No substitute disclosure stage arises merely because the consumer accepts","Required-disclosure terms remain protected until disbursement, subject to enumerated exceptions. The unaccepted offer may expire at the end of the 30-day period. Timely acceptance does not itself end the restriction","C029–C035"],["Final disclosure: consumer has accepted","Creditor provides to the consumer","Applicable §1026.18 disclosures, §1026.47(b)(1)–(3) information, and the prominent cancellation notice specifying expiration date, methods, and no disbursement before the required period expires","After acceptance. The regulation does not provide a universal fixed number of days after acceptance for sending it. Its receipt starts the cancellation period","C022–C023, C058–C062"],["Cancellation: receipt of final disclosures","Consumer may cancel using a permitted method; creditor must honor the right","Notice must state the specific cancellation date and methods; permitted mailed cancellation is timely if mailed no later than that date","Until midnight of the third general business day following receipt. No cancellation-specific penalty. Certain universally charged application fees need not be refunded under the commentary","C036–C040"],["Disbursement","Creditor","No new fourth disclosure stage substitutes for the preceding requirements","No funds before the required cancellation period expires. Creditor must be reasonably satisfied that the consumer has not canceled, including allowing for a timely mailed notice where appropriate","C038–C039"],["Self-certification, where applicable","Creditor obtains the applicant/consumer-signed ED form, directly or through the institution","Required standardized form, cost/aid information, notices, and certification","Before consummation, not merely before eventual disbursement. Applicability depends on attendance at an institution of higher education, which is narrower than the broader covered-institution category","C068–C075"]]},{"headers":["Period or event","Actual unit and definition","Trigger, endpoint, or condition","What must not be assumed"],"index":1,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Period or event","Actual unit and definition","Trigger, endpoint, or condition","What must not be assumed"],["Telephone application/solicitation fallback disclosure","Three general business days: creditor’s offices open to the public for substantially all business functions","After the consumer applies; the timely-denial or timely-approval-disclosure exception is separately specified","Not automatically Monday–Friday; not the special mailing-receipt definition"],["Approval communicated by telephone, or electronic approval without qualifying electronic delivery","Three general business days","After approval communication, for mailing the approval disclosures","Sending approval electronically does not dispense with E-Sign requirements"],["Deemed receipt of mailed application, approval, or final disclosures","Three specific business days: all calendar days except Sundays and legal public holidays under 5 U.S.C. §6103(a)","After mailing, under §1026.46(d)(4)","Mailing day is not automatically receipt day; this rule is not automatically an email rule"],["Acceptance opportunity","At least 30 calendar days","Following receipt of approval disclosures; a longer disclosed period must be honored","Not 30 business days; not a mandatory 30-day waiting period before acceptance"],["Cancellation","Three general business days, ending at midnight of the third day following receipt","Receipt of final disclosures under §1026.47(c)","Do not import the special home-rescission definition or the mailing-receipt definition into this period"],["Mailed acceptance or cancellation","Dispatch rule within the applicable period, if mail is a permitted method","Acceptance placed in mail within the acceptance period; cancellation placed in mail no later than the disclosed cancellation date","Actual arrival by the expiration date is not the stated mail rule"],["Application variable-rate freshness","Direct mail: rates effective within 60 days before mailing; electronic: within 30 days before sending/public viewing; printed public applications: within 30 days before printing; telephone: currently available","Comment 47(a)(1)(i)-1","These are unqualified “days,” not a separately designated business-day period; they concern offered-rate disclosure, not offer acceptance"],["Institutional exclusions","Contractual term of 90 days or less, or one year or less with no interest rate applied to the balance","§1026.46(b)(5)(iv), only where the covered institution is creditor","These are loan-term tests, not disclosure clocks"],["Self-certification","Event-based","Before consummation","“Before disbursement” wording on a form does not replace this requirement"],["Preferred-lender annual information","Later of April 1 or 30 days after entering or learning of the arrangement; information concerns July 1–June 30","§1026.48(f) and comment 48(f)-1","The text does not call the 30 days “business days”; this is a school-information duty, not the consumer acceptance period"]]},{"headers":["Claim ID","Precise claim, trigger, conditions, and exceptions","Source and pinpoint","Status and limits"],"index":2,"links":[{"href":"https://uscode.house.gov/us/usc/119-120/t15/s1650/?utm_source=chatgpt.com","text":"uscode.house.gov"},{"href":"https://uscode.house.gov/us/usc/119-121/t15/s1602/?utm_source=chatgpt.com","text":"uscode.house.gov\n+2"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/1/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau\n+1"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/2/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau\n+2"},{"href":"https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-F?utm_source=chatgpt.com","text":"ecfr.gov\n+1"},{"href":"https://uscode.house.gov/us/usc/119-121/t20/s1001/?utm_source=chatgpt.com","text":"uscode.house.gov\n+2"},{"href":"https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-F?utm_source=chatgpt.com","text":"ecfr.gov\n+1"},{"href":"https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-F?utm_source=chatgpt.com","text":"ecfr.gov\n+1"},{"href":"https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-F?utm_source=chatgpt.com","text":"ecfr.gov\n+1"},{"href":"https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-F?utm_source=chatgpt.com","text":"ecfr.gov\n+2"},{"href":"https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-F?utm_source=chatgpt.com","text":"ecfr.gov\n+1"},{"href":"https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-F?utm_source=chatgpt.com","text":"ecfr.gov\n+1"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/interp-46/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"},{"href":"https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-F?utm_source=chatgpt.com","text":"ecfr.gov\n+1"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/46/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"},{"href":"https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-F?utm_source=chatgpt.com","text":"ecfr.gov\n+1"},{"href":"https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-F?utm_source=chatgpt.com","text":"ecfr.gov\n+1"},{"href":"https://uscode.house.gov/us/usc/119-121/t15/s1603/?utm_source=chatgpt.com","text":"uscode.house.gov\n+1"}],"row_links":[[],[{"href":"https://uscode.house.gov/us/usc/119-120/t15/s1650/?utm_source=chatgpt.com","text":"uscode.house.gov"}],[{"href":"https://uscode.house.gov/us/usc/119-121/t15/s1602/?utm_source=chatgpt.com","text":"uscode.house.gov\n+2"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/1/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau\n+1"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/2/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau\n+2"}],[{"href":"https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-F?utm_source=chatgpt.com","text":"ecfr.gov\n+1"}],[{"href":"https://uscode.house.gov/us/usc/119-121/t20/s1001/?utm_source=chatgpt.com","text":"uscode.house.gov\n+2"}],[{"href":"https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-F?utm_source=chatgpt.com","text":"ecfr.gov\n+1"}],[{"href":"https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-F?utm_source=chatgpt.com","text":"ecfr.gov\n+1"}],[{"href":"https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-F?utm_source=chatgpt.com","text":"ecfr.gov\n+1"}],[{"href":"https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-F?utm_source=chatgpt.com","text":"ecfr.gov\n+2"}],[{"href":"https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-F?utm_source=chatgpt.com","text":"ecfr.gov\n+1"}],[{"href":"https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-F?utm_source=chatgpt.com","text":"ecfr.gov\n+1"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/interp-46/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"}],[{"href":"https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-F?utm_source=chatgpt.com","text":"ecfr.gov\n+1"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/46/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"}],[{"href":"https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-F?utm_source=chatgpt.com","text":"ecfr.gov\n+1"}],[{"href":"https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-F?utm_source=chatgpt.com","text":"ecfr.gov\n+1"}],[{"href":"https://uscode.house.gov/us/usc/119-121/t15/s1603/?utm_source=chatgpt.com","text":"uscode.house.gov\n+1"}]],"rows":[["Claim ID","Precise claim, trigger, conditions, and exceptions","Source and pinpoint","Status and limits"],["R018-P1-C001","The statutory private-education-loan definition requires a loan provided by a private educational lender, not made/insured/guaranteed under Title IV, and issued expressly for postsecondary educational expenses. Whether proceeds pass through an institution or directly to the borrower is not determinative. Open-end and the specified real-property/dwelling-secured transactions are excluded.","S002, 15 U.S.C. §1650(a)(7)–(8). \nuscode.house.gov","L. No actual product classified."],["R018-P1-C002","Statutory “private educational lender” includes the specified financial institutions, federal credit unions, and other persons engaged in the business of soliciting, making, or extending these loans. Section 1602(g) includes private educational lenders as creditors. Regulation Z nevertheless applies its general creditor framework; the 2009 rule expressly explains that regulatory implementation.","S002 §1650(a)(7); S003 §1602(g); S024, 74 FR 41201–41202, PDF indices 7–8. \nuscode.house.gov\n+2","L/R/H. Statutory and regulatory formulations are not treated as identical. Full financial-charter cross-references were not independently audited."],["R018-P1-C003","The ordinary Regulation Z creditor test requires regularly extending consumer credit subject to a finance charge or payable by written agreement in more than four installments, excluding a downpayment, with the obligation initially payable to that person. The ordinary regularity test is more than 25 covered extensions in the preceding calendar year; if not met then, the current-year test applies.","S010, §§1026.1(c)(1), 1026.2(a)(17)(i), (v), and relevant comments. \nConsumer Financial Protection Bureau\n+1","R/I. Count is not limited to education loans. Special dwelling/high-cost-mortgage branches exist; no threshold is an all-purpose statutory immunity."],["R018-P1-C004","Consumer credit ordinarily concerns a natural person and primarily personal, family, or household purposes. Credit includes a right to defer payment of debt or incur debt and defer payment. An unpaid bill, without establishing the relevant right and other conditions, is insufficient by itself to classify a transaction.","S010, §1026.2(a)(11), (12), (14); §1026.3(a). \nConsumer Financial Protection Bureau\n+2","R/I; final sentence INF. No institutional receivable or contract examined."],["R018-P1-C005","Regulation Z’s covered educational institution is an institution meeting the HEA institution-of-higher-education definition without regard to accreditation, and includes specified agents, officers, and employees. The separate “institution of higher education” definition incorporates HEA §§101–102 and ED implementing regulations.","S006/S009, §1026.46(b)(1)–(2), comments; S013–S014. Statutory formulation: S002 §1650(a)(2), (4). \necfr.gov\n+1","L/R/I. Accreditation relaxation for “covered institution” must not automatically be carried into every IHE-dependent requirement. Elementary/secondary education is outside this definition."],["R018-P1-C006","The incorporated HEA/ED definitions contain distinct public/nonprofit, proprietary, and vocational categories, with authorization, admissions, program, duration, accreditation, and other conditions. For the nonprofit subtype, ED’s definition includes tax treatment under §501(c)(3) and additional ownership/operation and state-law conditions.","S013 §§1001–1002; S014 §§600.2, .4–.6; S015 §501(a), (b), (c)(3). \nuscode.house.gov\n+2","L/R. No actual school or tax status established. Unopened implementing cross-references remain listed below."],["R018-P1-C007","Postsecondary educational expenses incorporate the statutory cost-of-attendance categories, subject to their conditions: tuition/fees; books, supplies, equipment and computer allowance; transportation; qualifying personal and living costs; restricted correspondence/incarceration categories; approved study abroad; dependent care; disability expenses not supplied by another agency; telecommunications treatment; cooperative-education costs; specified federal-loan fees; and first professional licensing/credential costs.","S006 §1026.46(b)(3); S016, 20 U.S.C. §1087ll(a)(1)–(14), (b)–(c). \necfr.gov\n+1","L/R. Enrollment, living arrangement, reasonableness, program, and other statutory conditions matter. This is not an actual cost-of-attendance computation."],["R018-P1-C008","A narrow text/version issue remains: §1026.46(b)(3)’s older illustrative wording includes any loan/origination/insurance fee, while current §1087ll(a)(13) expressly refers to fees for loans under Title IV or another federal law. Those texts do not support silently declaring every private-loan fee a current qualifying COA item.","S006/S009 §1026.46(b)(3); S016 §1087ll(a)(13). \necfr.gov\n+1","U/INF. Fee-only classification and the precise integration of the amended cross-reference with the older illustration are held."],["R018-P1-C009","The exclusion is specifically for loans made, insured, or guaranteed under Title IV of the HEA. Section 1026.3(f) separately exempts those programs from Regulation Z. “Federal connection” alone is not the wording of this exclusion.","S002 §1650(a)(8); S006 §1026.46(b)(5)(i); S010 §1026.3(f). \necfr.gov\n+1","L/R. No ED collection, federal-loan servicing, or non-Title-IV program determination."],["R018-P1-C010","Subpart F excludes open-end credit and any loan secured by real property or a dwelling. Open-end status requires the actual repeated-transaction, finance-charge, and replenishing-credit characteristics in §1026.2(a)(20); installments or a label alone are insufficient. A dwelling need not be the principal residence. Other personal-property collateral is not automatically within this exclusion.","S006 §1026.46(b)(5)(iii); S010 §1026.2(a)(19)–(20), comments. \necfr.gov\n+2","R/I. Actual credit mechanics and security are held."],["R018-P1-C011","If the covered educational institution itself is creditor and the credit term is 90 days or less, the transaction is excluded from the private-education-loan definition even if interest is charged.","S006 §1026.46(b)(5)(iv)(A), comment 46(b)(5)-3. \necfr.gov\n+1","R/I. Both creditor identity and contractual term are necessary; a school connection alone is insufficient."],["R018-P1-C012","If the covered institution is creditor, no interest rate will be applied to the credit balance, and the term is one year or less, the credit is excluded even if payable in more than four installments.","S006 §1026.46(b)(5)(iv)(B), comment 46(b)(5)-4. \necfr.gov\n+1","R/I. “No interest” is the specific test; this does not automatically eliminate all other TILA questions about fees or installments."],["R018-P1-C013","Institutional short-term loans and billing plans excluded from Subpart F may still be subject to ordinary closed-end disclosures under §§1026.17–.18. For a short-term obligation due upon receipt of specified funds, the commentary addresses estimating when those funds will arrive.","S006, comments 46(b)(5)-3–4; S011. \nConsumer Financial Protection Bureau","I. Exclusion from Subpart F is not exclusion from every consumer-credit law."],["R018-P1-C014","A multipurpose application can be exempt from the application disclosures under §1026.46(d)(1)(iii). If the resulting credit is expressly for educational expenses in whole or part and meets the other definition elements, approval/final disclosures and §1026.48 apply to the entire loan. The commentary permits reliance on a purpose line or checkbox.","S006 §1026.46(d)(1)(iii), comment 46(b)(5)-2. \necfr.gov\n+1","R/I. This is not a general multipurpose-loan exemption."],["R018-P1-C015","The official definition commentary includes consolidation of existing private education loans.","S006, comment 46(b)(5)-1. \nConsumer Financial Protection Bureau","I. No reliance on the withdrawn 2020 CFPB advisory opinion; federal-loan refinancing is not resolved."],["R018-P1-C016","A creditor may elect Subpart F for specified post-graduation relocation, examination-study, internship/residency, and similar expenses otherwise governed by §§1026.17–.18. If the credit actually covers qualifying postsecondary expenses, coverage is mandatory; if the optional route is chosen, applicable Subpart F requirements follow.","S006 §1026.46(a), official coverage comments. \necfr.gov\n+1","R/I. No classification of an actual professional-school product."],["R018-P1-C017","“Tuition arrears,” “payment plan,” “income-share agreement,” “scholarship repayment,” or “aid overpayment” does not itself establish a covered private education loan. The credit right, creditor, express purpose, institution, expenses, and exclusions must be established.","S006 §1026.46(b)(5); S010 §1026.2(a)(14), (17), (20). \necfr.gov\n+1","INF/U. These additional A018 dimensions remain open; no generic conclusion that all or none are loans."],["R018-P1-C018","The general amount-based Regulation Z exemption does not exclude a transaction that is a private education loan. This is not a credit ceiling or approval requirement.","S004, 15 U.S.C. §1603(3); S010 §1026.3(b)(1)(i)(B). \nuscode.house.gov\n+1","L/R. No universal maximum loan, APR, or cost follows."]]},{"headers":["Claim ID","Precise claim, trigger, conditions, and exceptions","Source and pinpoint","Status and limits"],"index":3,"links":[{"href":"https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-F?utm_source=chatgpt.com","text":"ecfr.gov\n+2"},{"href":"https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-F?utm_source=chatgpt.com","text":"ecfr.gov\n+1"},{"href":"https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-F?utm_source=chatgpt.com","text":"ecfr.gov\n+1"},{"href":"https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-F?utm_source=chatgpt.com","text":"ecfr.gov\n+1"},{"href":"https://uscode.house.gov/us/usc/119-118/t15/s1638/?utm_source=chatgpt.com","text":"uscode.house.gov\n+2"},{"href":"https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-F?utm_source=chatgpt.com","text":"ecfr.gov\n+1"},{"href":"https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-F?utm_source=chatgpt.com","text":"ecfr.gov\n+2"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/2/?utm_source=chatgpt.com","text":"Consumer 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Financial Protection Bureau"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/interp-48/?utm_source=chatgpt.com","text":"Consumer Financial Protection 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Bureau\n+1"}],[{"href":"https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-F?utm_source=chatgpt.com","text":"ecfr.gov\n+1"}],[{"href":"https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-F?utm_source=chatgpt.com","text":"ecfr.gov"}],[{"href":"https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-F?utm_source=chatgpt.com","text":"ecfr.gov\n+1"}],[{"href":"https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-F?utm_source=chatgpt.com","text":"ecfr.gov\n+1"}],[{"href":"https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-F?utm_source=chatgpt.com","text":"ecfr.gov\n+1"}],[{"href":"https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-F?utm_source=chatgpt.com","text":"ecfr.gov\n+1"}],[{"href":"https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-F?utm_source=chatgpt.com","text":"ecfr.gov\n+2"}],[{"href":"https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-F?utm_source=chatgpt.com","text":"ecfr.gov\n+2"}],[{"href":"https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-F?utm_source=chatgpt.com","text":"ecfr.gov\n+1"}],[{"href":"https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-F?utm_source=chatgpt.com","text":"ecfr.gov\n+1"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/interp-48/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/interp-48/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"}],[{"href":"https://uscode.house.gov/us/usc/119-120/t15/s1650/?utm_source=chatgpt.com","text":"uscode.house.gov"}],[{"href":"https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-F?utm_source=chatgpt.com","text":"ecfr.gov\n+2"}]],"rows":[["Claim ID","Precise claim, trigger, conditions, and exceptions","Source and pinpoint","Status and limits"],["R018-P1-C019","Application disclosures are due on or with any covered application or solicitation. A solicitation is an offer not requiring an application, including a qualifying FCRA firm offer. A mere invitation to apply is not that trigger unless it includes a written, electronic, telephone, take-one, or in-person application.","S006 §1026.46(d)(1)(i), comment 46(d)(1)-1; S023 §1681a(l)(1)–(3). \necfr.gov\n+2","R/I/L. No marketing communication or credit criteria were tested."],["R018-P1-C020","For a telephone application/solicitation, the creditor may provide §1026.47(a) orally. Otherwise it must provide or mail those disclosures no later than three general business days after application, unless it denies the application or provides/mails approval disclosures within the specified three-day period.","S006 §1026.46(d)(1)(ii); S010 §1026.2(a)(6). \necfr.gov\n+1","R. Telephone exception does not remove approval/final duties for a resulting covered loan."],["R018-P1-C021","Approval disclosures must accompany any approval notice before consummation. Mail notice and disclosures travel together; in-person approval requires then-delivery; telephone approval requires mailing within three general business days. Electronic delivery is subject to the electronic-disclosure rules; absent qualifying delivery, the three-day mailing fallback applies. A request for additional information before approval is not itself approval.","S006 §1026.46(d)(2), comment 46(d)(2)-1. \necfr.gov\n+1","R/I. Actual approval wording and delivery are held."],["R018-P1-C022","Final disclosures are provided after acceptance under §1026.48(c)(1). The operative text does not impose a universal “immediately after acceptance” deadline; the cancellation and funding restrictions still govern.","S006 §1026.46(d)(3); S007 §1026.47(c); S008 §1026.48(d). \necfr.gov\n+1","R. No actual event sequence established."],["R018-P1-C023","Statutory final-disclosure/cancellation provisions use consummation; Regulation Z implements them through acceptance and receipt of final disclosures. Consummation is when the consumer becomes contractually obligated under applicable law, not a universally interchangeable synonym for approval, acceptance, or funding.","S001 §1638(e)(4), (6)–(8); S010 §1026.2(a)(13); S024, 74 FR 41208, 41221–41222, PDF 14, 27–28. \nuscode.house.gov\n+2","L/R/H. State contract law and actual consummation remain held."],["R018-P1-C024","The consumer has at least 30 calendar days following receipt of approval disclosures to accept. A longer period is allowed, and the consumer may accept before its end.","S008 §1026.48(c)(1), comment 48(c)-1. \necfr.gov\n+1","R/I. No actual expiration date calculated."],["R018-P1-C025","Mailed application, approval, and final disclosures are considered received three specific business days after mailing. The specific definition excludes Sundays and §6103(a) holidays.","S006 §1026.46(d)(4), comment 46(d)-1; S010 §1026.2(a)(6). \necfr.gov\n+2","R/I. No automatic extension of this mailed-disclosure rule to email."],["R018-P1-C026","The general creditor-business-functions definition governs the telephone/fallback mailing periods and §1026.48(d) cancellation period. The special-definition list includes §1026.46(d)(4), but not §1026.48(d).","S010 §1026.2(a)(6), comments 1–2; S024, 74 FR 41198, PDF 4. \nConsumer Financial Protection Bureau\n+1","R/I/H. Actual office functions are unknown; no universal weekday calendar assumed."],["R018-P1-C027","Section 6103(a), including Juneteenth, controls the holiday cross-reference. The commentary’s older fixed-holiday illustration is incomplete as a current holiday list, and an observed substitute weekday is not automatically excluded under the specific definition.","S022 §6103(a); S010 comment 2(a)(6)-2. \nuscode.house.gov\n+1","L/I. No personal holiday calculation."],["R018-P1-C028","Acceptance may be oral, written, or electronic as permitted and disclosed. Electronic communication cannot be the only method unless approval disclosures were provided electronically with applicable E-Sign compliance. If mail is allowed, timely placement in the mail is sufficient.","S008, comment 48(c)-2; S007 §1026.47(b)(5). \nConsumer Financial Protection Bureau\n+1","I/R. Contractual authority of one borrower to bind another is not determined."],["R018-P1-C029","The freeze covers terms required to be disclosed under §1026.47(b) and (c), until disbursement or expiration of the 30-day period if unaccepted, subject to exceptions. Timely acceptance leaves protection in place until disbursement. Changes not affecting required-disclosure terms are not prohibited by this particular restriction.","S008 §1026.48(c)(2), comment 48(c)-3. \necfr.gov\n+1","R/I. Not a determination that every other contractual change is lawful."],["R018-P1-C030","Before consummation, an offer may be withdrawn if extending credit would be prohibited by law or the creditor has reason to believe the consumer committed fraud in connection with the application.","S008 §1026.48(c)(3)(i)(A). \necfr.gov","R. No actual fraud, prohibited-credit, or evidentiary finding."],["R018-P1-C031","An interest-rate change based on adjustment of the loan’s index is an enumerated exception. A discretionary margin increase or increased lender funding cost is not itself that index exception.","S008 §1026.48(c)(3)(i)(B), comment 48(c)-4. \necfr.gov\n+1","R/I; distinction INF. Actual index, margin, and contract remain unknown."],["R018-P1-C032","A change that unequivocally benefits the consumer is permitted under the stated exception. The reviewed clause contains no separate general exemption labeled “federally authorized loan-benefit changes.” A claimed authorization would require its own applicable authority or satisfaction of the actual exception.","S008 §1026.48(c)(3)(i)(C), comment 48(c)-4. \necfr.gov\n+1","R/I/U. A “benefit” label does not establish unequivocal benefit."],["R018-P1-C033","Loan amount may be reduced based on school/consumer certification or other information that COA decreased or other aid increased. Related rate/term changes are limited to those the consumer would have received on an original application for the reduced amount. Commentary also permits withdrawal based on school/consumer information that the student is not enrolled.","S008 §1026.48(c)(3)(i)(D), comments 48(c)-4–5. \necfr.gov\n+1","R/I. These exceptions do not require new approval disclosures/new 30 days; final disclosures remain required."],["R018-P1-C034","A creditor may accommodate a specific consumer request by changing terms, but then must provide new approval disclosures and a new 30-day acceptance opportunity. The prior offer remains protected unless the replacement is accepted or a separate §1026.48(c)(3) exception applies.","S008 §1026.48(c)(4), comment 48(c)-6. \necfr.gov\n+1","R/I. Accommodation is optional; a consumer’s inquiry is not automatically acceptance of a replacement."],["R018-P1-C035","No general lender “mistake,” changed-creditworthiness, or cost-of-funds exception appears in the reviewed §1026.48(c)(3) list. That list cannot be enlarged merely by describing a change as corrective.","S008 §1026.48(c)(3)–(4), complete conditions and comments. \necfr.gov\n+2","INF. No determination of a statutory error defense, contract doctrine, remedy, or litigation outcome."],["R018-P1-C036","The consumer may cancel without penalty until midnight of the third general business day following receipt of final disclosures. The final disclosure must specify the cancellation-expiration date.","S008 §1026.48(d); S007 §1026.47(c)(4), comment 47(c)-1. \necfr.gov\n+2","R/I. Disclosure of a date and calculating an actual lawful date are separate tasks."],["R018-P1-C037","The creditor must specify cancellation methods. Electronic cancellation cannot be the only method unless final disclosures were delivered electronically with applicable E-Sign compliance. If mail is allowed, the notice must identify the receiving address/agent and state the timely-dispatch rule.","S007 §1026.47(c)(4); S008 comment 48(d)-2. \necfr.gov\n+1","R/I. No cancellation communication sent or assessed."],["R018-P1-C038","No funds may be disbursed before the three-day period expires. The creditor must be reasonably satisfied cancellation was not exercised; permissible approaches include allowing reasonable time for mailed notice or obtaining a written nonexercise statement supplied and signed only at the end of the period.","S008 §1026.48(d), comment 48(d)-2. \necfr.gov\n+1","R/I. No early-waiver mechanism is supplied by this comment."],["R018-P1-C039","If the creditor voluntarily allows a longer cancellation period, the commentary permits disbursement after the statutory minimum period, but requires honoring a later timely cancellation within the longer period.","S008, comment 48(d)-1. \nConsumer Financial Protection Bureau","I. Resulting return/refund mechanics require the actual terms and other applicable authority; no universal free-use-and-return right established."],["R018-P1-C040","Cancellation without penalty prohibits fees charged specifically for exercising cancellation. The commentary does not require refund of a fee, such as an application fee, charged to all consumers whether or not they cancel.","S008, comment 48(d)-3. \nConsumer Financial Protection Bureau","I. Not a conclusion that any particular fee is lawful or nonrefundable under every law."],["R018-P1-C041","Separately, a private educational lender may not impose a fee or penalty for early repayment or prepayment of a private education loan.","S002, 15 U.S.C. §1650(e). \nuscode.house.gov","L. This is distinct from cancellation, principal forgiveness, accrued-charge treatment, and a refund calculation."],["R018-P1-C042","The Subpart F cancellation right is distinct from §1026.23 principal-dwelling rescission. A loan secured by any dwelling is excluded from the Subpart F definition. Neither the education-loan cancellation rule nor a disclosure defect automatically establishes later discharge, settlement, refinancing, federal forgiveness, cosigner release, or invalidity.","S006 §1026.46(b)(5)(iii); S012 §1026.23(a)(1); S008 §1026.48(d). \necfr.gov\n+2","R/INF. Full home-rescission and all remedies analyses remain outside this component."]]},{"headers":["Claim ID","Precise claim, trigger, conditions, and exceptions","Source and pinpoint","Status and limits"],"index":4,"links":[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/interp-47/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/interp-47/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/interp-47/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"},{"href":"https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-F?utm_source=chatgpt.com","text":"ecfr.gov\n+1"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/interp-47/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"},{"href":"https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-F?utm_source=chatgpt.com","text":"ecfr.gov\n+2"},{"href":"https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-F?utm_source=chatgpt.com","text":"ecfr.gov\n+1"},{"href":"https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-F?utm_source=chatgpt.com","text":"ecfr.gov\n+1"},{"href":"https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-C/section-1026.18?utm_source=chatgpt.com","text":"ecfr.gov\n+1"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/interp-47/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"},{"href":"https://uscode.house.gov/us/usc/119-118/t15/s1638/?utm_source=chatgpt.com","text":"uscode.house.gov\n+2"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/interp-47/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/interp-47/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/interp-47/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau\n+1"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/interp-47/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"},{"href":"https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-F?utm_source=chatgpt.com","text":"ecfr.gov\n+2"},{"href":"https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-F?utm_source=chatgpt.com","text":"ecfr.gov"},{"href":"https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-F?utm_source=chatgpt.com","text":"ecfr.gov\n+2"},{"href":"https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-F?utm_source=chatgpt.com","text":"ecfr.gov"},{"href":"https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-F?utm_source=chatgpt.com","text":"ecfr.gov\n+2"}],"row_links":[[],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/interp-47/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/interp-47/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/interp-47/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"}],[{"href":"https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-F?utm_source=chatgpt.com","text":"ecfr.gov\n+1"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/interp-47/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"}],[{"href":"https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-F?utm_source=chatgpt.com","text":"ecfr.gov\n+2"}],[{"href":"https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-F?utm_source=chatgpt.com","text":"ecfr.gov\n+1"}],[{"href":"https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-F?utm_source=chatgpt.com","text":"ecfr.gov\n+1"}],[{"href":"https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-C/section-1026.18?utm_source=chatgpt.com","text":"ecfr.gov\n+1"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/interp-47/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"}],[{"href":"https://uscode.house.gov/us/usc/119-118/t15/s1638/?utm_source=chatgpt.com","text":"uscode.house.gov\n+2"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/interp-47/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/interp-47/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/interp-47/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau\n+1"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/interp-47/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"}],[{"href":"https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-F?utm_source=chatgpt.com","text":"ecfr.gov\n+2"}],[{"href":"https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-F?utm_source=chatgpt.com","text":"ecfr.gov"}],[{"href":"https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-F?utm_source=chatgpt.com","text":"ecfr.gov\n+2"}],[{"href":"https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-F?utm_source=chatgpt.com","text":"ecfr.gov"}],[{"href":"https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-F?utm_source=chatgpt.com","text":"ecfr.gov\n+2"}]],"rows":[["Claim ID","Precise claim, trigger, conditions, and exceptions","Source and pinpoint","Status and limits"],["R018-P1-C043","Application disclosures give only rates/ranges actually offered; applicable creditworthiness/other-factor qualification; fixed/variable status; adjustment frequency, increment/lifetime limits or absence; possible higher/lower actual rate; and any applicable-law limit statement. Variable-rate ranges reflect the actual index and margin. Default/delinquency/assumption/acceleration increases are addressed separately from the ordinary variable-rate characterization.","S007 §1026.47(a)(1)(i)–(iii), comments 47(a)(1)(i)-1–3 and (iii)-1–2. \nConsumer Financial Protection Bureau","R/I. Freshness periods are in the clock table. No actual rate or legal ceiling established."],["R018-P1-C044","Application disclosures itemize required fees as a dollar amount or percentage; an estimated range is permitted where the exact fee is unknown. Required fees include finance charges and required non-finance-charge fees, including application fees charged regardless of credit extension. Default/late-payment fees, rate changes, and principal adjustments are disclosed. Later optional deferment/forbearance/modification fees are not required by this particular item.","S007 §1026.47(a)(2), comments 1–2. \nConsumer Financial Protection Bureau","R/I. Fee classification under the complete finance-charge rules remains held."],["R018-P1-C045","Application repayment disclosures identify the maximum period for regularly scheduled principal/interest payments; deferral options or their absence; for each in-school option, interest accrual and possible capitalization; reference to contract information for later repayment-period deferrals; and the bankruptcy caution that repayment may still be required.","S007 §1026.47(a)(3), comments 1–5. \nConsumer Financial Protection Bureau","R/I. The bankruptcy warning is not an adjudication of nondischargeability."],["R018-P1-C046","Application cost examples use total-of-payments methodology, the highest disclosed starting rate and applicable finance charges, and an amount financed of $10,000, or $5,000 where only smaller loans of that type are offered. Prepaid charges must be accounted for so the prescribed amount financed is actually represented; the percentage-fee commentary specifies a special gross-up assumption.","S007 §1026.47(a)(4), comments 1–2; S011 §1026.18(h). \necfr.gov\n+1","R/I. These are prescribed disclosure-example inputs, not borrowing limits. No worked amount or APR validation performed."],["R018-P1-C047","Examples must cover each in-school payment option using the actual capitalization method. Permitted deferral assumptions are four undergraduate years plus maximum applicable grace; for other loans, two years plus grace or the program’s shorter maximum; alternatively the full standard program duration plus grace. The alternative is not shortened to an individual student’s remaining enrollment.","S007, comments 47(a)(4)-3–4. \nConsumer Financial Protection Bureau","I. No actual enrollment or capitalization facts assumed."],["R018-P1-C048","Application disclosures state applicable age/enrollment criteria concerning the consumer or cosigner and whether rates typically are higher without a cosigner/guarantor. A numerical estimate of the cosigner’s rate effect is not required by that comment.","S007 §1026.47(a)(1)(iv), (5), comment 47(a)(1)(iv)-1; statutory context S001 §1638(e)(1)(D), (J). \necfr.gov\n+2","R/I/L. This does not authorize a cosigner requirement under other law or decide creditworthiness."],["R018-P1-C049","Application alternatives disclosures say the consumer may qualify for Title IV aid, give applicable program rates and fixed/variable status, identify school/ED information and an appropriate ED website, and mention possible school-specific benefits. Where statutory rates vary by application/disbursement date, the commentary calls for the rate current when disclosure is provided.","S007 §1026.47(a)(6), comments (a)(6)(ii)-1 and (iii)-1. \necfr.gov\n+1","R/I. No current federal-rate table or actual aid eligibility determination; underlying rate-program cross-references were not independently audited."],["R018-P1-C050","Application disclosures also explain the 30-day availability/protection of approved terms subject to lawful changes and, when applicable, the requirement to complete self-certification before consummation and obtain the form through the institution.","S007 §1026.47(a)(7)–(8), general comment 47-1. \necfr.gov\n+1","R/I. Inapplicable self-certification information may be omitted under the stated comment."],["R018-P1-C051","Approval and final disclosures incorporate applicable §1026.18 items: creditor identity, amount financed/itemization, finance charge, APR, variable-rate information, payment schedule, total payments, and applicable demand/credit-sale/prepayment/late-charge/security/insurance/debt-cancellation/contract/deposit items. The express APR-disclosure exception is finance charge no more than $5 with amount financed no more than $75, or finance charge no more than $7.50 when amount financed exceeds $75.","S007 §1026.47(b), (c); S011 §1026.18(a)–(r), especially (e). \necfr.gov\n+1","R. These APR exceptions are not rate or cost ceilings. Mortgage-only fields are not imported into an excluded secured transaction."],["R018-P1-C052","Approval discloses actual rate, fixed/variable status and adjustment limits, itemized fees/default consequences, and principal equal to the note’s face amount at approval, labeled Total Loan Amount. That amount can differ from amount financed. Itemization can satisfy specified duplicate-placement requirements.","S007 §1026.47(b)(1)–(3)(i), comments 47(b)(1)-1–3, (b)(2)-1, (b)(3)-1. \nConsumer Financial Protection Bureau","R/I. No face amount, fee, or APR calculated."],["R018-P1-C053","Approval repayment content includes term; chosen deferral and later options; required in-school payments; unpaid interest that will accrue; bankruptcy caution; and applicable payment schedule. The statute expressly mentions whether monthly payments are graduated; §1026.18(g) supplies the incorporated schedule requirement.","S001 §1638(e)(2)(G)–(K); S007 §1026.47(b)(3)(ii)–(vi); S011 §1026.18(g). \nuscode.house.gov\n+2","L/R/I. No actual graduated-payment or repayment schedule assessed."],["R018-P1-C054","Approval estimates total repayment at the actual approval rate and at the maximum contractual rate, or, absent a contractual maximum, an applicable legal ceiling. If no maximum can be determined, the prescribed assumption is 25%, with the required no-maximum/estimate warning.","S007 §1026.47(b)(3)(vii), comment 47(b)(3)-6. \nConsumer Financial Protection Bureau","R/I. 25% is not a universal lawful cap or actual rate. State/federal ceiling applicability is unresolved."],["R018-P1-C055","Approval also gives maximum monthly payment using the prescribed maximum-rate approach or 25% assumption. The commentary permits reflecting contractual incremental rate-increase limits in the calculation; the no-maximum estimate warning remains required where applicable. A separate §1026.18(f)(1)(iv) variable-payment example is unnecessary because this education-loan disclosure supplies the specified maximum-payment information.","S007 §1026.47(b)(3)(viii), comments 47(b)(3)-6(iii), -7 and 47(b)(1)-1. \nConsumer Financial Protection Bureau","R/I. No calculation or lawful-price certification."],["R018-P1-C056","Approval repeats the specified federal-aid possibility, rates, and information-source disclosures. The general “as applicable” comment allows omission of federal-alternative disclosures for private-loan consolidation and optional post-graduation transactions where inapplicable.","S007 §1026.47(b)(4), comments 47-1 and 47(b)(4)-1. \nConsumer Financial Protection Bureau\n+1","R/I. No actual federal-aid availability finding."],["R018-P1-C057","Approval must identify the specific acceptance-expiration date based on receipt, any longer period actually offered, permitted acceptance methods, and protection of terms subject to permitted changes.","S007 §1026.47(b)(5), comment 47(b)(5)-1. \nConsumer Financial Protection Bureau","R/I. A printed date is not proof that it was correctly calculated."],["R018-P1-C058","Final content repeats applicable §1026.18 and §1026.47(b)(1)–(3) information and adds the cancellation notice. It does not repeat §1026.47(b)(4)’s federal-alternative or (b)(5)’s acceptance notice as final-stage requirements. The 2009 rule expressly addresses the statutory final-stage federal-aid wording and adopts the regulatory exception.","S007 §1026.47(c); S001 §1638(e)(4); S005 §1604; S024, 74 FR 41221–41222, PDF 27–28. \necfr.gov\n+2","L/R/H. Statutory and regulatory content lists are not silently conflated."],["R018-P1-C059","All Subpart F disclosures must be clear and conspicuous. Approval/final disclosures must be written and retainable, grouped and segregated, with only directly related information. Specified acknowledgments/date/consumer information are allowed; creditor identity, insurance/debt cancellation, and certain security-interest charges may appear separately.","S006 §1026.46(c)(1)–(2), comment 46(c)-1; S011 §1026.17(a). \necfr.gov","R/I. Text availability does not establish actual presentation compliance."],["R018-P1-C060","The finance-charge term and amount and the interest rate receive special prominence, except for creditor identity. The final cancellation notice must be more conspicuous than other required disclosures except those specified items. For private education loans, APR is less conspicuous than finance charge, interest rate, and the cancellation notice.","S006 §1026.46(c)(2)(iii); S007 §1026.47(c)(4), comment 47(c)-2; S011 §1026.17(a)(2). \necfr.gov\n+2","R/I. No universal mandatory 10-point Helvetica rule is inferred."],["R018-P1-C061","Disclosures reflect the legal obligation. Unknown information is disclosed using the best information reasonably available and clearly identified as an estimate. This does not authorize inventing zero aid, a ceiling, or a known price.","S006 §1026.46(e). \necfr.gov","R; last sentence INF. Actual data and pricing rules remain held."],["R018-P1-C062","A later event making an approval/final disclosure inaccurate is not itself a Regulation Z violation under §1026.46(g). This does not authorize a prohibited term change. Final disclosures remain required, and §1026.48(c)(4) can require new approval disclosures. The ordinary §1026.17(f) change rule is not substituted for the education-loan scheme.","S006 §1026.46(g), comments 1–2; S011 §1026.17(f). \necfr.gov\n+2","R/I. No actual inaccuracy or violation determined."]]},{"headers":["Claim ID","Precise claim, trigger, conditions, and exceptions","Source and pinpoint","Status and limits"],"index":5,"links":[{"href":"https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-F?utm_source=chatgpt.com","text":"ecfr.gov\n+2"},{"href":"https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-F?utm_source=chatgpt.com","text":"ecfr.gov\n+1"},{"href":"https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-F?utm_source=chatgpt.com","text":"ecfr.gov\n+1"},{"href":"https://uscode.house.gov/us/usc/119-121/t15/s7001/?utm_source=chatgpt.com","text":"uscode.house.gov\n+1"},{"href":"https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-F?utm_source=chatgpt.com","text":"ecfr.gov\n+1"},{"href":"https://uscode.house.gov/us/usc/119-118/t15/s1638/?utm_source=chatgpt.com","text":"uscode.house.gov\n+2"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/interp-48/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau\n+1"},{"href":"https://uscode.house.gov/us/usc/119-118/t15/s1638/?utm_source=chatgpt.com","text":"uscode.house.gov\n+1"},{"href":"https://uscode.house.gov/us/usc/119-121/t20/s1094/?utm_source=chatgpt.com","text":"uscode.house.gov\n+2"},{"href":"https://uscode.house.gov/us/usc/119-118/t20/s1019d/?utm_source=chatgpt.com","text":"uscode.house.gov\n+2"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/interp-48/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"},{"href":"https://fsapartners.ed.gov/sites/default/files/2023-06/H450PrivateEducationLoanApplicantSelfCertificationForm.pdf?utm_source=chatgpt.com","text":"fsapartners.ed.gov\n+3"},{"href":"https://fsapartners.ed.gov/knowledge-center/fsa-handbook/2026-2027/vol2/ch6-consumer-information-and-school-reporting?utm_source=chatgpt.com","text":"2026-2027 Federal Student Aid Handbook\n+1"},{"href":"https://uscode.house.gov/us/usc/119-118/t15/s1638/?utm_source=chatgpt.com","text":"uscode.house.gov\n+2"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/h/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau\n+1"},{"href":"https://www.federalreserve.gov/newsevents/pressreleases/files/bcreg20090730a3.pdf?utm_source=chatgpt.com","text":"federalreserve.gov\n+6"},{"href":"https://www.federalreserve.gov/newsevents/pressreleases/files/bcreg20090730a8.pdf?utm_source=chatgpt.com","text":"federalreserve.gov\n+1"}],"row_links":[[],[{"href":"https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-F?utm_source=chatgpt.com","text":"ecfr.gov\n+2"}],[{"href":"https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-F?utm_source=chatgpt.com","text":"ecfr.gov\n+1"}],[{"href":"https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-F?utm_source=chatgpt.com","text":"ecfr.gov\n+1"}],[{"href":"https://uscode.house.gov/us/usc/119-121/t15/s7001/?utm_source=chatgpt.com","text":"uscode.house.gov\n+1"}],[{"href":"https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-F?utm_source=chatgpt.com","text":"ecfr.gov\n+1"}],[{"href":"https://uscode.house.gov/us/usc/119-118/t15/s1638/?utm_source=chatgpt.com","text":"uscode.house.gov\n+2"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/interp-48/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau\n+1"}],[{"href":"https://uscode.house.gov/us/usc/119-118/t15/s1638/?utm_source=chatgpt.com","text":"uscode.house.gov\n+1"}],[{"href":"https://uscode.house.gov/us/usc/119-121/t20/s1094/?utm_source=chatgpt.com","text":"uscode.house.gov\n+2"}],[{"href":"https://uscode.house.gov/us/usc/119-118/t20/s1019d/?utm_source=chatgpt.com","text":"uscode.house.gov\n+2"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/interp-48/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"}],[{"href":"https://fsapartners.ed.gov/sites/default/files/2023-06/H450PrivateEducationLoanApplicantSelfCertificationForm.pdf?utm_source=chatgpt.com","text":"fsapartners.ed.gov\n+3"}],[{"href":"https://fsapartners.ed.gov/knowledge-center/fsa-handbook/2026-2027/vol2/ch6-consumer-information-and-school-reporting?utm_source=chatgpt.com","text":"2026-2027 Federal Student Aid Handbook\n+1"}],[{"href":"https://uscode.house.gov/us/usc/119-118/t15/s1638/?utm_source=chatgpt.com","text":"uscode.house.gov\n+2"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/h/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau\n+1"}],[{"href":"https://www.federalreserve.gov/newsevents/pressreleases/files/bcreg20090730a3.pdf?utm_source=chatgpt.com","text":"federalreserve.gov\n+6"}],[{"href":"https://www.federalreserve.gov/newsevents/pressreleases/files/bcreg20090730a8.pdf?utm_source=chatgpt.com","text":"federalreserve.gov\n+1"}]],"rows":[["Claim ID","Precise claim, trigger, conditions, and exceptions","Source and pinpoint","Status and limits"],["R018-P1-C063","Multiple creditors select which will provide one complete set at each stage. With multiple consumers, delivery may be to any primarily liable consumer. Guarantors, endorsers, and sureties are not generally consumers under the ordinary definition; their status must not be assumed from “cosigner” alone.","S006 §1026.46(f); S010 §1026.2(a)(11), comment 1; S011 §1026.17(d), comments. \necfr.gov\n+2","R/I. No universal separate-copy obligation to every cosigner established here; other-law duties and liability/release remain held."],["R018-P1-C064","Application disclosures may accompany an electronically accessed application/solicitation without the E-Sign consent provisions. They qualify as “on or with” if automatically displayed; on the same page with a conspicuous location/cost-information reference; or linked so submission cannot bypass them.","S006 §1026.46(c)(3), comment 46(c)(3)-1(i)–(iii). \necfr.gov\n+1","R/I. This special exception is not extended to approval/final disclosures."],["R018-P1-C065","Electronic approval/final disclosure is subject to applicable E-Sign requirements: affirmative consent not withdrawn; prior clear disclosures of paper options, withdrawal conditions/consequences, scope, procedures/contact updates and paper-copy options/fees; hardware/software requirements; and electronic consent or confirmation reasonably demonstrating access to the form used. Material access-risk changes trigger additional information/consent requirements.","S006 §1026.46(c)(3); S021, 15 U.S.C. §7001(c)(1)(A)–(D). \necfr.gov\n+1","L/R. Mere possession of an email address or agreement to loan terms is not established proof of these conditions."],["R018-P1-C066","E-Sign preserves applicable substantive/timing obligations. An oral recording does not by itself satisfy the consumer-writing provision; electronic-consent defects do not, solely for that reason, automatically invalidate the contract under §7001(c)(3). Retention/accessibility provisions also matter.","S021 §7001(b), (c)(2)–(6), (d)–(e). \nuscode.house.gov\n+1","L. No contract-validity or evidentiary ruling."],["R018-P1-C067","Section 1026.46(d)(4) supplies a mailed-disclosure receipt rule. No automatic three-day electronic-receipt presumption appears in that provision. Actual electronic delivery, access, consent, and receipt evidence remain necessary unresolved categories.","S006 §1026.46(d)(4); S021 §7001. \necfr.gov\n+1","R/INF/U. No electronic timestamp or actual receipt inferred."],["R018-P1-C068","For a covered private loan intended for expenses while a student attends an IHE, the creditor must obtain the consumer/applicant-signed ED self-certification form before consummation, in written or permitted electronic form.","S001 §1638(e)(3)(A); S008 §1026.48(e); S018 §1019d(a). \nuscode.house.gov\n+2","L/R. Actual form, signature, and consummation are held."],["R018-P1-C069","The self-certification requirement is not coextensive with every covered institution. It applies to current or intended future IHE attendance; it does not apply where the loan is not intended for such attendance, such as post-graduation consolidation described in the comment.","S008, comment 48(e)-1; S007, general comment 47-1. \nConsumer Financial Protection Bureau\n+1","I. No actual institution/attendance conclusion."],["R018-P1-C070","Section 1638(e)(3)(B) limits the additional duty under that paragraph to collecting the required form. Obtaining a signed form is not proof of actual aid eligibility, lawful price, school eligibility, or accuracy of every underlying fact.","S001 §1638(e)(3)(B); S008 comment 48(e)-1. \nuscode.house.gov\n+1","L/I; evidentiary distinction INF. Not a general exemption from other law."],["R018-P1-C071","Participating institutions have request-based duties to provide the form and required information to the extent possessed; ED regulations address admitted/enrolled students and discussion of federal, state, and institutional aid upon request.","S019 §1094(a)(28); S020 §§601.11(d), 668.14(b)(29); S018 §1019d(a)(2). \nuscode.house.gov\n+2","L/R. No school contact, record request, or aid determination."],["R018-P1-C072","The form uses estimated COA and estimated financial assistance for the same covered period, with the difference C = A − B, plus aid-related notices and applicant certification/signature. A warning that borrowing above the difference may reduce aid is not a universal loan cap or actual eligibility finding.","S018 §1019d(a)(3)–(5); S029 sections 1–5, document pp. 1–2/PDF 0–1; S031 self-certification discussion. \nuscode.house.gov\n+2","L/G/INF. No amount entered or calculation performed."],["R018-P1-C073","The creditor may supply the form and information and receive the signed form directly or through the institution. Institutional certification does not replace the applicant’s required signed form. Electronic signatures are valid under this comment if they meet ED’s issued requirements.","S008, comments 48(e)-1–2. \nConsumer Financial Protection Bureau","I/U. The specific ED electronic-signature technical requirements referenced by the comment were not located/read."],["R018-P1-C074","The official currently linked blank PDF located in this investigation is the 2023 form; its parsed text prints expiration August 31, 2025 and uses older expected-family-contribution language. Its introduction refers to obtaining the form before disbursement. None of that changes the statutory/regulatory before-consummation requirement or proves current OMB approval.","S029 pp. 1–2/PDF 0–1; S030; S031; S001 §1638(e)(3); S018 current wording. \nfsapartners.ed.gov\n+3","G/U. No newer blank form or current approval status verified. Printed expiry does not repeal the statutory duty."],["R018-P1-C075","The 2026–27 FSA Handbook explains the form’s information and printing/presentation requirements, including black ink/white paper and limited changes to the approved presentation. It uses current other-financial-assistance/SAI concepts and excludes the loan being certified from the assistance amount used for this purpose.","S031, “Private Education Loans”/self-certification discussion, read bounds stated in source table. \n2026-2027 Federal Student Aid Handbook\n+1","G. Handbook instructions are not a replacement statute or proof that the linked PDF has a current OMB approval."],["R018-P1-C076","Use of H-series model disclosures is optional. Statutory safe harbor depends on a model accurately reflecting the lender’s practices; the official Appendix instructions govern permissible use/modification. Model use does not establish compliance with timing, recipient, consent, classification, or disbursement duties.","S001 §1638(e)(5)(C); S026, Appendix H comment 25 and G/H commentary. \nuscode.house.gov\n+2","L/I/INF. No actual form receives safe-harbor certification."],["R018-P1-C077","H-18–H-23 instructions restrict reordering headings, grouped disclosures, and sequencing. They allow specified inapplicable deletions, contact/date information, limited combinations and wording changes, appropriate page sizes, continuation references for two-sided presentation, and substantially similar readable design. Ten-point Helvetica is encouraged/model practice, not a universal mandatory font.","S026, Appendix H comment 25(i)–(vi); general G/H comment 1’s special exception for these forms. \nConsumer Financial Protection Bureau\n+1","I. Permitted changes remain conditional; no actual layout inspected."],["R018-P1-C078","H-18, H-19, H-20 and H-21, H-22, H-23 were read as parsed text across both PDF pages. The ED form was likewise parsed across both pages. Attempts to view the H-18–H-20 and ED-form pages returned noninspectable placeholders, not usable pixels.","S027–S029; Appendix placeholders S026. \nfederalreserve.gov\n+6","U, access finding. Parsed text is not visual verification. No full-form/layout compliance certified."],["R018-P1-C079","Archived H-23 parsed text presents a no-maximum/25%-assumption statement on PDF page 0 but a statement that the rate will never exceed 25% on page 1. Without pixels and reconciliation, that artifact cannot establish a real contractual cap or current model compliance. Historical sample federal rates, programs, and benchmark references are not current pricing evidence.","S028, H-23 pp. 1–2/PDF 0–1, especially page-1 extraction line 112; S007 §1026.47(b)(3). \nfederalreserve.gov\n+1","U/INF. Apparent parsed-text inconsistency is reported, not adjudicated as a defect in current operative Appendix H."]]},{"headers":["Claim ID","Precise claim, trigger, conditions, and exceptions","Source and pinpoint","Status and limits"],"index":6,"links":[{"href":"https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-F?utm_source=chatgpt.com","text":"ecfr.gov\n+1"},{"href":"https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-F?utm_source=chatgpt.com","text":"ecfr.gov\n+2"},{"href":"https://uscode.house.gov/us/usc/119-118/t15/s1638/?utm_source=chatgpt.com","text":"uscode.house.gov\n+2"},{"href":"https://www.federalregister.gov/documents/2011/12/22/2011-31715/truth-in-lending-regulation-z?utm_source=chatgpt.com","text":"federalregister.gov\n+2"},{"href":"https://uscode.house.gov/us/usc/119-121/t20/s1087ll/?utm_source=chatgpt.com","text":"uscode.house.gov\n+1"},{"href":"https://www.consumerfinance.gov/compliance/guidance/withdrawn-guidance/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau\n+2"},{"href":"https://uscode.house.gov/us/usc/119-118/t15/s1638/?utm_source=chatgpt.com","text":"uscode.house.gov\n+2"}],"row_links":[[],[{"href":"https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-F?utm_source=chatgpt.com","text":"ecfr.gov\n+1"}],[{"href":"https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-F?utm_source=chatgpt.com","text":"ecfr.gov\n+2"}],[{"href":"https://uscode.house.gov/us/usc/119-118/t15/s1638/?utm_source=chatgpt.com","text":"uscode.house.gov\n+2"}],[{"href":"https://www.federalregister.gov/documents/2011/12/22/2011-31715/truth-in-lending-regulation-z?utm_source=chatgpt.com","text":"federalregister.gov\n+2"}],[{"href":"https://uscode.house.gov/us/usc/119-121/t20/s1087ll/?utm_source=chatgpt.com","text":"uscode.house.gov\n+1"}],[{"href":"https://www.consumerfinance.gov/compliance/guidance/withdrawn-guidance/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau\n+2"}],[{"href":"https://uscode.house.gov/us/usc/119-118/t15/s1638/?utm_source=chatgpt.com","text":"uscode.house.gov\n+2"}]],"rows":[["Claim ID","Precise claim, trigger, conditions, and exceptions","Source and pinpoint","Status and limits"],["R018-P1-C080","A creditor other than the institution itself may not use school branding in a way implying endorsement. The rule provides specified equally prominent/proximate nonendorsement disclosures and a separate otherwise-lawful actual-endorsement arrangement route identifying the creditor as lender. Marketing includes transaction documents; commentary addresses creditor-name and authorized state-seal situations.","S008 §1026.48(a)–(b), comments 1–3. \necfr.gov\n+1","R/I. No actual branding, endorsement, conflict-of-interest, or broader HEA compliance audit."],["R018-P1-C081","A creditor aware it is party to a preferred-lender arrangement must provide the institution §1026.47(a)(1)–(5) information for each planned loan type for the next July–June period, annually by the later of April 1 or 30 days after entering/learning of the arrangement. Format is flexible under the comment.","S008 §1026.48(f), comment 48(f)-1; S017 §1019(8); S001 §1638(e)(11). \necfr.gov\n+2","L/R/I. No preferred-lender list or arrangement searched."],["R018-P1-C082","The 2008 enactment and its delayed-effect provisions must be distinguished from the 2009 regulation: final rule effective September 14, 2009; compliance optional until February 14, 2010. Mandatory loan application trigger was receipt on/after February 14, 2010; co-branding trigger was marketing on/after that date. Earlier applications could use specified optional disclosure stages, but applicable timing, acceptance/cancellation, and self-certification conditions accompanied that election.","S001 effective-date notes; S024, 74 FR 41194 and 41248, PDF 0 and 54, comments 1(d)(6)-1–2. \nuscode.house.gov\n+2","H/L notes. Not retroactive treatment of an unidentified old loan."],["R018-P1-C083","CFPB’s 2011 interim final rule republished Regulation Z as part 1026, effective December 30, 2011, with stated technical/conforming treatment rather than a substantive rewrite of these provisions.","S025, 76 FR 79768–79769, dates and introductory discussion. \nfederalregister.gov\n+2","H, interim final rule. The entire lengthy republication PDF was not read."],["R018-P1-C084","Current HEA cross-references use amended COA and Student Aid Index terminology. Relevant statutory notes identify July 1, 2024/2024–25 award-year implementation, with authorized earlier implementation of specified COA provisions on or after July 1, 2023.","S016 §1087ll and notes; S018 §1019d and notes. \nuscode.house.gov\n+1","L notes. No complete session-law implementation audit or award calculation."],["R018-P1-C085","The CFPB’s December 2020 private-education-loan advisory opinion at 85 FR 79400 is listed as withdrawn effective May 12, 2025 in the official withdrawal materials. It is not used as operative authority here. Withdrawal does not repeal TILA or the separately published current regulation/official interpretations.","S032 relevant register entry; S033, 90 FR 20084–20087, dates and Part III advisory-opinion item 13, PDF 0 and 2. \nConsumer Financial Protection Bureau\n+2","Withdrawn guidance; distinction L/R versus G. No other CFPB circular/bulletin/advisory is used as operative law."],["R018-P1-C086","The accessed House pages report compilation through specified October 2026 public laws; eCFR Title 12/34 pages report their own October 23 currency. Those labels establish the retrieved version, not a complete annual-CFR, session-law, judicial-history, stay/vacatur, or later-amendment audit.","S001–S025 version fields; S009 eCFR status statement. \nuscode.house.gov\n+2","U/currentness limit. No proposed/future rule, repealed text, or withdrawn guidance is substituted for the operative bodies read; unexamined later history remains unknown."]]},{"headers":["Document family","Function and content established by the text read","Relevant conditions","Actual read extent and unresolved visual/version issues"],"index":7,"links":[],"row_links":[[],[],[],[],[],[]],"rows":[["Document family","Function and content established by the text read","Relevant conditions","Actual read extent and unresolved visual/version issues"],["H-18 model / H-21 sample","Application/solicitation: offered-rate range, fees, repayment options and comparative costs, federal alternatives, and next-step rights/information","§1026.47(a), “as applicable” commentary, Appendix H comment 25","Both pages of each archived PDF parsed. H-18 image attempts did not provide inspectable pixels. Historical sample rates and names are not current product evidence"],["H-19 model / H-22 sample","Approval: approved terms, loan amount and costs, payments, federal alternatives, acceptance date and methods","§§1026.47(b), 1026.48(c); actual terms and receipt-based date required","Both pages parsed. H-19 images unseen. No actual date, rate, or safe-harbor finding"],["H-20 model / H-23 sample","Final: approved/updated transaction information and prominent cancellation date/method/no-funding notice","§§1026.47(c), 1026.48(d); final disclosure after acceptance","Both pages parsed. H-20 images unseen. H-23’s apparent 25% textual conflict remains unresolved"],["ED Private Education Loan Applicant Self-Certification","Aid notices, estimated COA and assistance, difference, applicant certification, signature, definitions/instructions","§1638(e)(3), §1026.48(e), §1019d; required before consummation where applicable","Both pages of the 2023-linked PDF parsed; pixels unseen; printed expiration August 31, 2025; older EFC terminology; current OMB approval not verified"],["Appendix H instructions versus ED printing instructions","Appendix H permits specified model adaptations; ED’s self-certification instructions constrain changes to its standardized form","Different legal/form frameworks; their flexibility is not interchangeable","Appendix H comments 25–28 and relevant 2026–27 Handbook instructions read. Neither substitutes for visual inspection of an actual delivered document"]]},{"headers":["Example","Stipulated facts","Provision-specific result versus unknown","Generic evidence needed","Adverse misclassification or failure"],"index":8,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Example","Stipulated facts","Provision-specific result versus unknown","Generic evidence needed","Adverse misclassification or failure"],["R018-P1-E01 — Title IV loan","Credit is stipulated to be made under a Title IV program","Excluded from the private-education-loan definition and covered by §1026.3(f)’s exemption. No federal collection conclusion","Governing program authority and generic product terms","Applying Subpart F’s private-loan cancellation scheme to a Title IV loan. C001, C009"],["R018-P1-E02 — Unknown purpose","An unsecured closed-end loan is advertised near education content, but express use is unknown","Coverage cannot be concluded from marketing context alone","Generic purpose wording and relevant loan terms","Treating any education-adjacent loan as expressly for postsecondary expenses. C004, C014, C017"],["R018-P1-E03 — Actual open-end structure","All §1026.2(a)(20) open-end elements are stipulated","Subpart F exclusion applies even if proceeds are used for tuition","Generic repeated-credit, finance-charge, and replenishment terms","Confusing repeated payments with closed-end private education credit. C010"],["R018-P1-E04 — Secured transaction","The loan is stipulated to be secured by real property or a dwelling","Excluded from Subpart F; no automatic conclusion about principal-dwelling rescission","Generic security clause and transaction category","Importing education-loan cancellation into an excluded secured transaction, or treating all personal-property security alike. C010, C042"],["R018-P1-E05 — Institutional short term","Covered institution is creditor; term is at most 90 days; interest is charged","Institutional exclusion applies; ordinary closed-end disclosure duties can remain","Generic creditor/term/interest provisions","Assuming interest alone defeats the 90-day exclusion, or that Subpart F exclusion eliminates TILA. C011, C013"],["R018-P1-E06 — Institutional zero-interest plan","Institution is creditor; no interest rate applies; term is at most one year; more than four installments","Subpart F exclusion applies; other TILA conditions still require separate analysis","Generic installment, fee, term, and creditor provisions","Treating more than four installments as automatically defeating the special exclusion. C012–C013"],["R018-P1-E07 — Institutional exception unavailable","School-credit term exceeds the relevant limit or its interest condition fails","That particular exclusion is unavailable; complete coverage still requires the remaining elements","Generic legal obligation and creditor criteria","Turning failure of one exclusion into automatic coverage without testing the other elements. C003, C011–C012"],["R018-P1-E08 — Missing application disclosure","A covered education-specific application is provided; no §1026.47(a) disclosure; no telephone or multipurpose exception","Failure branch: stipulated process does not meet the on-or-with application requirement","Generic application and associated disclosure package","Believing later approval disclosure always cures the application-stage omission. C019–C020, C043–C050"],["R018-P1-E09 — Mailing treated as receipt","Approval notice calculates the acceptance period from mailing rather than the applicable receipt rule","Failure branch: the stated trigger conflicts with the receipt-based rule","Generic mailing method and date-calculation method","Shortening the protected acceptance opportunity. C024–C025, C057"],["R018-P1-E10 — Wrong business-day definition","A cancellation schedule automatically excludes every Saturday without examining creditor business functions","Failure branch: the method is unsupported by the general definition","Generic operating-functions calendar and final-receipt basis","Producing an incorrect cancellation/funding date through an imported mortgage or mail-receipt calendar. C026–C027, C036"],["R018-P1-E11 — Margin increase called an index change","During the protected period, the creditor increases margin solely because its funding costs rose","Failure branch: the stipulated reason is not the index-adjustment exception","Generic index/margin clauses and change explanation","Treating every variable-rate increase as permitted. C029, C031, C035"],["R018-P1-E12 — Requested change without renewed opportunity","Consumer asks for a different repayment option; creditor substitutes new terms and supplies neither new approval disclosure nor new acceptance period","Failure branch: §1026.48(c)(4)’s conditions are not met on those facts","Generic request, replacement-offer process, and disclosure sequence","Treating a request as acceptance or permission to withdraw the original protected offer. C034"],["R018-P1-E13 — Acceptance treated as final disclosure","Consumer accepts approval; creditor funds without issuing final disclosures and allowing cancellation","Failure branch: acceptance does not satisfy final-disclosure/cancellation requirements","Generic approval, acceptance, final-notice, and funding sequence","Collapsing approval, acceptance, final disclosure, and funding into one event. C022, C036, C038"],["R018-P1-E14 — Timely cancellation and a cancellation charge","Consumer uses an allowed method within the required period; creditor imposes a fee specifically for canceling","Failure branch: the stipulated cancellation-specific fee conflicts with the rule","Generic cancellation method and fee policy","Confusing a permitted universally charged application fee with a prohibited cancellation penalty. C037, C040"],["R018-P1-E15 — Notice only to a surety","Only recipient is stipulated to be a guarantor, not a primarily liable consumer","Failure branch: that recipient does not satisfy the stated multiple-consumer rule","Generic contractual role and recipient procedure","Assuming every “cosigner” can replace disclosure to a primary obligor. C063"],["R018-P1-E16 — Missing self-certification","IHE-attendance loan is consummated without the required signed form; obtaining it later is planned","Failure branch: the before-consummation requirement is unmet on the stipulation","Generic form/signature and event sequence","Treating eventual collection before disbursement as the prescribed timing. C068–C074"],["R018-P1-E17 — Unknown aid entered as zero","COA/aid are unknown, and a form or disclosure treats aid as zero without support","The estimate cannot be justified merely by absence of knowledge; actual eligibility and amounts remain unknown","Generic estimation basis and same-period information","Converting an information gap into a favorable borrowing/aid conclusion. C061, C072"],["R018-P1-E18 — Electronic-only process without demonstrated consent","Approval/final disclosure and sole acceptance/cancellation channels are electronic; applicable consent/access conditions are not established","Failure branch if the stipulated conditions are absent; otherwise unresolved: the application-stage exception cannot validate the later stages","Generic consent text, access demonstration, retention features, and delivery design","Treating an online application or email address as universal E-Sign consent. C064–C067, C028, C037"],["R018-P1-E19 — Correct text, unseen layout","A document’s text resembles H-series wording, but visual grouping/prominence is unknown","No full-form or safe-harbor finding is supportable","Inspectable blank-form pixels and actual presentation specifications","Certifying compliance from extracted words alone. C059–C060, C076–C078"],["R018-P1-E20 — Official link treated as current approval","A currently linked ED form prints an expired date and older terminology","Link status alone does not establish current OMB approval or resolve the terminology discrepancy","Official replacement/reapproval publication and current instructions","Equating a current resource link with a complete form-version audit. C074–C075, C084"],["R018-P1-E21 — 25% treated as a lawful ceiling","A reader interprets the prescribed no-maximum estimate or archived H-23 text as a universal rate cap","No such cap follows; actual contractual/legal maximum remains unknown","Generic contract and applicable public rate-ceiling authority","Converting a disclosure assumption into legal pricing authorization. C054–C055, C079"],["R018-P1-E22 — ISA or scholarship label","Only an income-share or scholarship-repayment label is known; operative obligations are unknown","Classification and all further A018 consequences remain unresolved","Generic published contract terms and applicable authority, without identifiers","Automatically including or excluding an entire product family based on its name. C017"],["R018-P1-E23 — Claimed beneficial/federal change","Creditor calls a change “federally authorized” or “beneficial,” but neither an applicable authority nor unequivocal benefit is stipulated","No additional exception is established by that description","Specific public authority and generic before/after terms","Inventing a broad benefit or mistake exception. C030–C035"],["R018-P1-E24 — Tuition arrears alone","Tuition is unpaid; no agreement establishing a right to defer, term, interest, or creditor status is supplied","No complete private-loan classification is possible","Generic receivable/payment-plan terms and governing credit definition","Treating delinquency itself as proof of an originated covered loan. C003–C004, C013, C017"]]},{"headers":["Audit question","Governing reference / what the question distinguishes","Document support or observation","Finding / unresolved point"],"index":9,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Audit question","Governing reference / what the question distinguishes","Document support or observation","Finding / unresolved point"],["What legal obligation creates a right to defer payment?","C004; §1026.2(a)(14)","__________","__________"],["Does the ordinary regulatory creditor test apply?","C002–C003; finance charge/installments, regularity, initial payee","__________","__________"],["What establishes express educational purpose, in whole or part?","C001, C014; §1026.46(b)(5)(ii)","__________","__________"],["Is the loan made, insured, or guaranteed under Title IV?","C009","__________","__________"],["Does the actual structure satisfy open-end criteria?","C010","__________","__________"],["Is any real property or dwelling collateral involved?","C010, C042","__________","__________"],["Is the institution within the incorporated covered-institution definition?","C005–C006","__________","__________"],["Is the narrower IHE condition satisfied for self-certification?","C068–C069","__________","__________"],["Which expenses fit the current COA cross-reference?","C007–C008","__________","__________"],["Is the institution itself creditor, and does either special term/interest exclusion apply?","C011–C013","__________","__________"],["Is the application education-specific or genuinely multipurpose?","C014, C019","__________","__________"],["Is the communication an application, solicitation, or only invitation?","C019","__________","__________"],["Were application disclosures supplied on or with the trigger document?","C019–C020","__________","__________"],["Are rates/ranges actually offered and within the applicable freshness conditions?","C043","__________","__________"],["Are required fees and default/late consequences itemized correctly?","C044","__________","__________"],["Are all required repayment/deferral/capitalization options described?","C045–C047","__________","__________"],["Are age/enrollment and cosigner rate-effect disclosures included as applicable?","C048","__________","__________"],["Are current federal-alternative disclosures and appropriate information sources included?","C049, C056","__________","__________"],["Do cost examples use the prescribed assumptions rather than an invented amount or cap?","C046–C047, C054–C055","__________","__________"],["What communication first states approval?","C021","__________","__________"],["Was the approval package delivered by the required channel and timing?","C021, C025, C065","__________","__________"],["Who is primarily liable, and who received each disclosure stage?","C063","__________","__________"],["What establishes receipt or the applicable mailed-receipt rule?","C025, C067","__________","__________"],["Does the acceptance notice state the correct receipt-based period and methods?","C024, C028, C057","__________","__________"],["Does any change fit a specific exception, with all conditions documented?","C029–C035","__________","__________"],["If the consumer requested changes, were new approval disclosures and a new period supplied?","C034","__________","__________"],["What constitutes acceptance under the permitted method?","C028","__________","__________"],["Was the final disclosure supplied after acceptance?","C022, C058","__________","__________"],["Are the final cancellation date, methods, mail rule, and no-funding statement present?","C036–C038","__________","__________"],["Does the cancellation calculation use the creditor-business-functions definition?","C026, C036","__________","__________"],["Was disbursement withheld through the required period and possible timely notice delivery?","C038–C039","__________","__________"],["Is any fee specifically imposed for cancellation or prepayment?","C040–C041","__________","__________"],["Was the required applicant-signed self-certification obtained before consummation?","C068–C073","__________","__________"],["Do the COA/aid entries cover the same period and have a stated estimation basis?","C061, C072","__________","__________"],["Is the blank self-certification version/current approval status established?","C074–C075, C084","__________","__________"],["Is electronic consent separate from mere application/contract assent and demonstrably sufficient?","C064–C067","__________","__________"],["Is the form retainable, grouped, segregated, and appropriately prominent?","C059–C060","__________","__________"],["Are model changes within the actual Appendix conditions?","C076–C077","__________","__________"],["Have pixels, continuation pages, contrast, type size, and electronic presentation actually been seen?","C078–C079","__________","__________"],["Which conclusions remain outside this component?","Parent holds below","__________","__________"]]},{"headers":["Source ID","Issuer, title, and complete literal HTTPS URL(s)","Exact body read / printed page / PDF index","Version, effective predicate, and read/currentness 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er/fsa-handbook/2026-2027/vol2/ch6-consumer-information-and-school-reporting?utm_source=chatgpt.com","text":"https://fsapartners.ed.gov/knowledge-center/fsa-handbook/2026-2027/vol2/ch6-consumer-information-and-school-reporting"}],[{"href":"https://www.consumerfinance.gov/compliance/guidance/withdrawn-guidance/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/compliance/guidance/withdrawn-guidance/"}],[{"href":"https://www.federalregister.gov/documents/2025/05/12/2025-08286/interpretive-rules-policy-statements-and-advisory-opinions-withdrawal?utm_source=chatgpt.com","text":"https://www.federalregister.gov/documents/2025/05/12/2025-08286/interpretive-rules-policy-statements-and-advisory-opinions-withdrawal"},{"href":"https://www.govinfo.gov/content/pkg/FR-2025-05-12/pdf/2025-08286.pdf?utm_source=chatgpt.com","text":"https://www.govinfo.gov/content/pkg/FR-2025-05-12/pdf/2025-08286.pdf"}]],"rows":[["Source ID","Issuer, title, and complete literal HTTPS URL(s)","Exact body read / printed page / PDF index","Version, effective predicate, and read/currentness limit"],["R018-P1-S001","US House OLRC, 15 U.S.C. §1638 — Transactions other than under an open end credit plan. https://uscode.house.gov/us/usc/119-118/t15/s1638/","Complete necessary §1638(e)(1)–(11); relevant subsection (a) disclosures and effective-date notes. HTML","U120, despite older number in URL. Fresh body read; internal reuse. 2008 enactment/delayed-effect notes distinguished from 2009 rule dates. Not every unrelated mortgage clause/history audited"],["R018-P1-S002","US House OLRC, 15 U.S.C. §1650 — Preventing unfair and deceptive private educational lending practices and eliminating conflicts of interest. https://uscode.house.gov/us/usc/119-120/t15/s1650/","Entire (a)–(g) body and relevant notes read; reliance focuses on (a)(1)–(8) and (e). HTML","U120. Other conflict/cosigner provisions were not developed into a complete component; later cosigner applicability remains held"],["R018-P1-S003","US House OLRC, 15 U.S.C. §1602 — Definitions and rules of construction. https://uscode.house.gov/us/usc/119-121/t15/s1602/","Relevant definitions (d)–(j), especially (g) creditor, (h) consumer, (i) open-end. HTML","U121. Selected necessary body; not all definitions or historical amendments"],["R018-P1-S004","US House OLRC, 15 U.S.C. §1603 — Exempted transactions. https://uscode.house.gov/us/usc/119-121/t15/s1603/","Complete numbered exemptions (1)–(7) and relevant notes. HTML","U121. No current annual amount threshold computed because private education loans are excepted from that amount exemption"],["R018-P1-S005","US House OLRC, 15 U.S.C. §1604 — Disclosure guidelines. https://uscode.house.gov/us/usc/119-121/t15/s1604/","(a)–(f), including adjustment/exception/model authority. HTML","U121. Used for the rulemaking explanation, not an actual safe-harbor/remedy determination"],["R018-P1-S006","CFPB, §1026.46 and official interpretations. https://www.consumerfinance.gov/rules-policy/regulations/1026/46/ ; https://www.consumerfinance.gov/rules-policy/regulations/1026/interp-46/","Entire (a)–(g) and all section-specific official comments, including complete (b)(5) definition. HTML","CZ. Fresh full substantive reading across retrievals; later navigation-heavy return not treated as operative body. Cross-checked against S009"],["R018-P1-S007","CFPB, §1026.47 and official interpretations. https://www.consumerfinance.gov/rules-policy/regulations/1026/47/ ; https://www.consumerfinance.gov/rules-policy/regulations/1026/interp-47/","Entire (a)–(c), every numbered content item, and all comments, including general “as applicable,” fee/example, maximum-payment, acceptance, and cancellation comments. HTML","CZ. Entire focused body read; not all external computation/rate-law cross-references opened"],["R018-P1-S008","CFPB, §1026.48 and official interpretations. https://www.consumerfinance.gov/rules-policy/regulations/1026/48/ ; https://www.consumerfinance.gov/rules-policy/regulations/1026/interp-48/","Entire (a)–(f) and all comments, including every change exception, cancellation procedure, self-certification, co-branding, and preferred-lender condition. HTML","CZ. Later main-page return supplied navigation; complete operative text independently retrieved in S009 and comments remained accessible"],["R018-P1-S009","OFR/GPO eCFR, 12 CFR part 1026, Subpart F. https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-F","Complete operative §§1026.46–.48, read across body windows; no claim to a complete eCFR Supplement I reading through this URL. HTML","E12. Page expressly describes eCFR as authoritative but unofficial; not an official annual edition. Same Regulation Z source family as S006–S008"],["R018-P1-S010","CFPB, Regulation Z scope, definitions, exemptions. https://www.consumerfinance.gov/rules-policy/regulations/1026/1/ ; https://www.consumerfinance.gov/rules-policy/regulations/1026/2/ ; https://www.consumerfinance.gov/rules-policy/regulations/1026/3/","§1(c)(1); §2(a)(3), (6), (10)–(14), (17)(i)/(v), (19)–(20), necessary comments; §3(a), (b)(1), (f), (g) and relevant comments. HTML","CZ. Necessary gateway/clock bodies read; not all mortgage/card/retirement-plan cross-references"],["R018-P1-S011","CFPB/eCFR, §§1026.17–.18. https://www.consumerfinance.gov/rules-policy/regulations/1026/17/ ; https://www.consumerfinance.gov/rules-policy/regulations/1026/18/ ; https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-C/section-1026.18","§17(a), (b), (d), (e), relevant (f) and comments; complete §18(a)–(r) operative text, selected comments, mortgage (s)/(t) scope. HTML","CZ/E12. Not complete finance-charge/APR computation, all §18 commentary, or full interim-credit/mortgage analysis"],["R018-P1-S012","CFPB, §1026.23 — Right of rescission. https://www.consumerfinance.gov/rules-policy/regulations/1026/23/","§23(a)(1) and relevant introductory comments only. HTML","CZ. Read solely to distinguish principal-dwelling rescission; full exceptions, remedies, and history not audited"],["R018-P1-S013","US House OLRC, 20 U.S.C. §§1001–1002 — IHE definitions. https://uscode.house.gov/us/usc/119-121/t20/s1001/ ; https://uscode.house.gov/us/usc/119-120/t20/s1002/","Complete §1001(a)–(c), §1002(a)–(c), relevant effective note. HTML","§1001 U121; §1002 U120. Full numbered definitions read, but not every incorporated eligibility/program rule"],["R018-P1-S014","ED/eCFR, 34 CFR §§600.2, .4, .5, .6. https://www.ecfr.gov/current/title-34/subtitle-B/chapter-VI/part-600/subpart-A/section-600.2 ; https://www.ecfr.gov/current/title-34/subtitle-B/chapter-VI/part-600/subpart-A/section-600.4 ; https://www.ecfr.gov/current/title-34/subtitle-B/chapter-VI/part-600/subpart-A/section-600.5 ; https://www.ecfr.gov/current/title-34/subtitle-B/chapter-VI/part-600/subpart-A/section-600.6","§600.2 selected educational-program, eligible-institution, nonprofit (1)–(4), regular-student, recognized-occupation definitions; complete .4(a)–(c), .5(a)–(e), .6(a)–(d). HTML","E34. State authorization, program, accreditation, and foreign-school cross-references not comprehensively followed"],["R018-P1-S015","US House OLRC, 26 U.S.C. §501 — Exemption from tax. https://uscode.house.gov/us/usc/119-121/t26/s501/","(a), (b), and (c)(3). HTML","U121. Limited nonprofit-definition cross-reference; no tax-status lookup, §221 classification, or complete tax analysis"],["R018-P1-S016","US House OLRC, 20 U.S.C. §1087ll — Cost of attendance. https://uscode.house.gov/us/usc/119-121/t20/s1087ll/","Complete (a)(1)–(14), (b), (c), and relevant amendment/effective notes. HTML","U121. Updated COA language read; older Reg Z loan-fee illustration remains a bounded integration issue"],["R018-P1-S017","US House OLRC, 20 U.S.C. §1019 — Definitions. https://uscode.house.gov/us/usc/119-120/t20/s1019/","Complete numbered definitions (1)–(9), especially institution-affiliated organization and preferred-lender arrangement. HTML","U120. No actual arrangement/entity inquiry"],["R018-P1-S018","US House OLRC, 20 U.S.C. §1019d — Self-certification form for private education loans. https://uscode.house.gov/us/usc/119-118/t20/s1019d/","Entire (a)–(b) and relevant notes; reliance principally (a)(1)–(5). HTML","U120. Current SAI wording distinguished from older blank form; no actual remedy conclusion from subsection (b)"],["R018-P1-S019","US House OLRC, 20 U.S.C. §1094 — Program participation agreements. https://uscode.house.gov/us/usc/119-121/t20/s1094/","Subsection (a) opening and full (a)(28). HTML","U121. No complete participation-agreement, school eligibility, or aid administration audit"],["R018-P1-S020","ED/eCFR, 34 CFR §§601.11, 668.14. https://www.ecfr.gov/current/title-34/subtitle-B/chapter-VI/part-601/subpart-B/section-601.11 ; https://www.ecfr.gov/current/title-34/subtitle-B/chapter-VI/part-668/subpart-B/section-668.14","Complete §601.11(a)–(d); full §668.14(b)(29). HTML","E34. Whole-page future-rule notice not treated as proof of a change to these particular clauses; broader preferred-lender/participation duties held"],["R018-P1-S021","US House OLRC, 15 U.S.C. §7001 — E-Sign general validity rule. https://uscode.house.gov/us/usc/119-121/t15/s7001/","(a)–(c) complete; relevant retention/original provisions (d)–(e), effective notes. HTML","U121. General effective date October 1, 2000; specified retention-related transitions separately noted in body. No actual consent/signature audit"],["R018-P1-S022","US House OLRC, 5 U.S.C. §6103 — Holidays. https://uscode.house.gov/us/usc/119-118/t5/s6103/","(a)–(d), especially complete (a) holiday list. HTML","U120. Actual legal-holiday list, not an assumed business calendar"],["R018-P1-S023","US House OLRC, 15 U.S.C. §1681a — Definitions; rules of construction. https://uscode.house.gov/us/usc/119-121/t15/s1681a/","Complete (l)(1)–(3), firm offer of credit/insurance. HTML","U121. Necessary solicitation cross-reference only; no consumer-report or prescreening inquiry"],["R018-P1-S024","Federal Reserve Board, Truth in Lending, final rule and official staff commentary, 74 FR 41194–41257, August 14, 2009. https://www.govinfo.gov/content/pkg/FR-2009-08-14/html/E9-18548.htm ; https://www.govinfo.gov/content/pkg/FR-2009-08-14/pdf/E9-18548.pdf ; issuance/discovery page https://www.federalreserve.gov/newsevents/pressreleases/bcreg20090730a.htm","Material portions: 41194/PDF0 dates; 41198/4 business days; 41201–02/7–8 creditor/institution exceptions; 41208/14 timing; 41215–16/21–22 selected alternatives; 41221–22/27–28 final timing/content; 41226–28/32–34 selected cancellation/self-certification/effectivity; 41248/54 complete transition comments","Historical final rule. Effective September 14, 2009; mandatory predicates detailed in C082. Selected body read, not all 64 PDF pages. Preamble distinguished from codified rule"],["R018-P1-S025","CFPB, Truth in Lending (Regulation Z), interim final rule, 76 FR 79768, December 22, 2011. https://www.federalregister.gov/documents/2011/12/22/2011-31715/truth-in-lending-regulation-z ; attempted PDF https://www.govinfo.gov/content/pkg/FR-2011-12-22/pdf/2011-31715.pdf","HTML dates, summary, §§I and II.A–B; printed opening pp. 79768–79769. PDF body retrieval failed because file exceeded retrieval size; PDF indices not verified","Historical interim final rule, effective December 30, 2011. No claim to reading the complete republication"],["R018-P1-S026","CFPB, Appendix H; official G/H and H interpretations. https://www.consumerfinance.gov/rules-policy/regulations/1026/h/ ; https://www.consumerfinance.gov/rules-policy/regulations/1026/interp-gh/","Appendix H comment 25(i)–(vi), comments 26–28; G/H comments 1–2; current H-18–H-23 labels/placeholders. HTML","CZ. Applicable instructions read; current embedded model pixels not inspected"],["R018-P1-S027","Federal Reserve Board, H-18, H-19, H-20 model disclosures, issued with July 30, 2009 release. H-18 https://www.federalreserve.gov/newsevents/pressreleases/files/bcreg20090730a3.pdf ; H-19 https://www.federalreserve.gov/newsevents/pressreleases/files/bcreg20090730a4.pdf ; H-20 https://www.federalreserve.gov/newsevents/pressreleases/files/bcreg20090730a5.pdf","All parsed text, both document pages/PDF indices 0–1 of each; extracted lines approximately 0–87, 0–131, 0–115 respectively","Historical official models. Image attempts for all six pages supplied no inspectable pixels. Current visual identity/full-form compliance not established"],["R018-P1-S028","Federal Reserve Board, H-21, H-22, H-23 samples. H-21 https://www.federalreserve.gov/newsevents/pressreleases/files/bcreg20090730a6.pdf ; H-22 https://www.federalreserve.gov/newsevents/pressreleases/files/bcreg20090730a7.pdf ; H-23 https://www.federalreserve.gov/newsevents/pressreleases/files/bcreg20090730a8.pdf","All parsed text, both pages/PDF 0–1 of each; approximately 111, 142, 126 extracted lines. H-23 conflict specifically page0 versus page1/line112","Historical official samples. No image inspection or current-rate inference; no sample identifiers reused"],["R018-P1-S029","ED/FSA, Private Education Loan Applicant Self-Certification. https://fsapartners.ed.gov/sites/default/files/2023-06/H450PrivateEducationLoanApplicantSelfCertificationForm.pdf","Full parsed two-page form, sections 1–6, PDF indices 0–1; approximately 69 extracted lines","Linked 2023 form; printed expiration August 31, 2025. Both page-image attempts unsuccessful. Current OMB approval and replacement status unresolved"],["R018-P1-S030","ED/FSA, Private Education Loans Form and Topics Page, July 6, 2023, GENERAL-23-55; current topic page. https://fsapartners.ed.gov/knowledge-center/library/electronic-announcements/2023-07-06/private-education-loans-form-and-topics-page ; https://fsapartners.ed.gov/knowledge-center/topics/private-education-loan-information","Complete short announcement and topic/link page","Official announcement/resource guidance. Establishes the located link path, not current OMB approval or statutory amendment"],["R018-P1-S031","ED/FSA, 2026–2027 FSA Handbook, Volume 2, Chapter 6 — Consumer Information and School Reporting. https://fsapartners.ed.gov/knowledge-center/fsa-handbook/2026-2027/vol2/ch6-consumer-information-and-school-reporting","Private Education Loans/self-certification section, retrieved text around lines 986–1051 and related continuation; not entire chapter","2026–27 guidance edition. Read instructions and current form-link route; not legislative or full program-compliance authority"],["R018-P1-S032","CFPB, Withdrawn Guidance register. https://www.consumerfinance.gov/compliance/guidance/withdrawn-guidance/","Relevant December 2020 private-education-loan advisory entry, 85 FR 79400, and status","Publisher withdrawal status, checked October 27, 2026. Underlying advisory not used as operative foundation"],["R018-P1-S033","CFPB, Interpretive Rules, Policy Statements, and Advisory Opinions; Withdrawal, May 12, 2025, 90 FR 20084–20087. https://www.federalregister.gov/documents/2025/05/12/2025-08286/interpretive-rules-policy-statements-and-advisory-opinions-withdrawal ; https://www.govinfo.gov/content/pkg/FR-2025-05-12/pdf/2025-08286.pdf","CFPB summary/dates/relevant analysis and withdrawal list; effective-date text p.20084/PDF0; Part III item13 p.20086/PDF2. Unrelated material on first PDF page not relied on","Withdrawal effective May 12, 2025. Status of the identified advisory verified; not a repeal of statute/regulation or a full litigation-history audit"]]},{"headers":["Assigned subquestion or major branch","Coverage status","Claim/example links","Exact missing authority or facts","Next bounded permissible investigation"],"index":11,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Assigned subquestion or major branch","Coverage status","Claim/example links","Exact missing authority or facts","Next bounded permissible investigation"],["Complete statutory private-loan definition","Answered","C001–C002; E01–E04","Actual statutory actor/product facts held","None needed for the stated generic definition"],["Regulatory creditor conditions and regularity","Answered, bounded","C002–C004; E07, E24","Actual extension counts, finance charge, installments, initial payee; full bank/credit-union charter definitions","If necessary, read generic 12 U.S.C. §§1813/1752 definitions; no entity lookup"],["Consumer, borrower, student, guarantor distinctions","Answered","C004, C063; E15","Actual contractual roles and authority","Generic published contract-language comparison only"],["Covered institution versus IHE","Partial","C005–C006, C069","Detailed §600.9, §668.8, accreditation and foreign-school cross-references","Read only the specific generic subdefinition necessary for a further classification question"],["Tax-definition cross-reference","Answered to necessary extent","C006; S015","Further §501 exceptions and any tax-qualified-loan issue","Separate tax component if needed; no status lookup"],["Postsecondary expenses and COA","Answered with narrow gap","C007–C008; E17","Actual expense/enrollment facts; integration of revised federal-fee wording","Official amendment/interpretation addressing the fee cross-reference"],["Title IV exclusion","Answered","C009; E01","Actual program basis","No ED collection research; generic program authority only if classification requires it"],["Other-purpose/unknown-purpose credit","Answered as unresolved classification","C004, C014, C017; E02","Express purpose and contract","No actual fact investigation in this component"],["Open-end exclusion","Answered","C010; E03","Actual replenishment/repeated-transaction terms","Generic contract structure only"],["Real-property/dwelling security exclusion","Answered","C010, C042; E04","Actual collateral terms","No property query; separate generic secured-credit analysis if needed"],["Institutional ≤90-day credit","Answered","C011, C013; E05","Institution-as-creditor and actual term","None needed for generic rule"],["Institutional ≤1-year/no-interest plan","Answered","C012–C013; E06–E07","Interest, term, fee, installment, creditor facts","Generic plan terms only; ordinary TILA questions remain separate"],["Tuition arrears/receivables","Partial; parent preserved","C004, C017; E24","Right to defer and full obligation structure","Separate generic tuition-receivable classification component"],["Unknown ISA/scholarship/overpayment","Unresolved; parent preserved","C017; E22","Operative contractual/legal features","Separate public-authority/generic-contract component without identifiers"],["Mixed-purpose loans","Answered","C014; E02","Actual express-use indication","None needed for generic rule"],["Private consolidation/optional postgraduate loans","Answered, bounded","C015–C016","Actual underlying loan and expense categories; federal refinancing not resolved","Separate generic refinancing classification if authorized"],["Application versus invitation/solicitation","Answered","C019–C020; E08","Actual communication","None needed for generic trigger"],["Approval trigger and channel timing","Answered","C021; E09","Approval wording, channel, mailing/delivery","No actual notice audit"],["Final trigger and statutory/regulatory reconciliation","Answered","C022–C023, C058; E13","State-law consummation and actual sequence","Generic state-law issue only in a separately bounded component"],["All three-stage content lists","Answered, computation bounded","C043–C058","Actual terms; full pricing calculations","§1026.4/.22/Appendix J only if a later pricing component requires them"],["Rate ranges and permitted estimates","Answered","C043–C047, C054–C055, C061","Actual offered rates, fees, capitalization, ceilings","Generic calculation rules; no actual lawful-APR finding"],["Federal-aid alternatives","Answered as disclosure duty","C049, C056","Actual current program rates and applicant eligibility; underlying rate-law cross-references","Official generic Title IV rate provisions if a current rate table is separately required"],["Cosigner disclosures and recipient rules","Answered, liability held","C048, C063; E15","Primary versus secondary obligation; other-law notices","Separate generic cosigner-liability/release component"],["Clear/conspicuous, segregation, prominence","Answered as rule; visual unresolved","C059–C060; E19","Actual pixels/layout","Inspect official blank-form images when accessible; no unseen-layout certification"],["Electronic application exception","Answered","C064; E18","Actual on-screen placement/bypass behavior","Generic interface specification only"],["Electronic approval/final consent","Answered as statutory conditions","C065–C067; E18","Consent, access, retention, delivery/receipt","No actual account/browser inspection"],["Business-day definition for each period","Answered","C020–C027, C036; E10","Actual creditor business functions/calendar","No personal calendar calculation"],["Mailed versus electronic receipt","Answered / electronic facts unresolved","C025, C067; E09, E18","Actual electronic receipt evidence","Generic delivery-law interpretation if needed"],["Acceptance availability and methods","Answered","C024, C028–C029, C057; E09, E13","Actual receipt and acceptance","No individual deadline"],["Index and beneficial changes","Answered","C031–C032; E11, E23","Actual index, margin, benefit, independent authority","Read any specifically asserted generic federal authorization before relying on it"],["Aid/COA/enrollment change exception","Answered","C033","Actual source and substance of information","No school/borrower records inquiry"],["Consumer-requested changes","Answered","C034; E12","Actual request, replacement acceptance","None needed for generic conditions"],["Fraud/prohibited-law/mistake branches","Answered within §48; other doctrines held","C030, C035; E23","Actual fraud/legal prohibition; error-defense law outside scope","Separate generic statutory-defense analysis only if assigned"],["Cancellation procedure and earliest funding","Answered","C036–C039; E13–E14","Actual notice, dispatch, end-of-period facts","No actual cancellation or disbursement audit"],["Fee-free cancellation, return, prepayment","Answered with return limits","C039–C041; E14","Actual fee character, voluntary longer-period terms, return mechanics","Separate generic refund/return provisions if necessary"],["Home rescission and later relief distinctions","Answered as distinction; broader law excluded","C042; E04","Full rescission/remedy/discharge facts and law","Preserve for respective parent components"],["Self-certification statute/regulation","Answered","C068–C073; E16–E17","Actual attendance, form, signature, consummation","No actual form completion"],["School provision/assistance duties","Answered, bounded","C071, C073","Actual request/information possessed","No contacts or records requests"],["ED electronic-signature requirements","Unresolved authority gap","C073; E18","Specific ED-issued standards referenced by comment 48(e)-2","Locate official generic ED standards/instructions"],["Estimated aid/COA and form difference","Answered as form function","C061, C072, C075; E17","Actual estimates; current form integration","Official generic instructions only; no award calculation"],["Current blank form/OMB status","Partial","C074–C075; E20","Official replacement/reapproval/current approval status","Locate official blank replacement or published reapproval instructions without identifier testing"],["H-18–H-23 content and safe harbor","Answered in text; visual partial","C076–C079; E19, E21","Current embedded pixels and H-23 text reconciliation","Public official image/form comparison only"],["Final-rule/transition history","Answered for material transitions","C082–C084","Full annual-CFR/session-law chain not audited","Bounded official edition/session-law comparison if separately needed"],["Withdrawn CFPB guidance","Answered for guidance mentioned","C085","No other advisory used as operative law","Recheck only any additional guidance actually proposed for use"],["Future/proposed/stayed/vacated/repealed status","Bounded/unknown beyond checks","C086","Complete amendment and judicial-history audit","Published authority review only if material; no docket/status query"],["Ancillary co-branding/preferred-lender provisions","Answered within §48","C080–C081","Other HEA conflict/arrangement obligations and actual facts","Separate generic institutional-lending component"],["Numerical illustration","Not needed","C046, C054–C055, C072","No actual inputs","None; no invented deadline, award, price, or APR"],["Blank worksheet and qualitative branches","Delivered","Worksheet; E01–E24","All worksheet factual entries intentionally blank","No operational use or acceptance implied"],["Cases, standing, remedies, filing questions","Excluded / not necessary here","C035, C042, C086","No majority opinion or later history used","Published majority opinion only if a future bounded interpretive issue makes it necessary"],["R017/T006 and ED federal collection","Excluded by assignment","C009 and parent holds","No prior report or federal collection foundation","No duplication or continuation inferred"],["Remaining A018 dimensions","Preserved","C017, C042 and holds below","All unaddressed legal/product/contract/state/country facts","Separate focused components; no parent closure"]]},{"headers":["User question","Principal answer locations","Main sources"],"index":12,"links":[],"row_links":[[],[],[],[],[],[]],"rows":[["User question","Principal answer locations","Main sources"],["1. Definitions, actors, covered institution, purpose, expenses, exclusions, institutional tests, labels","C001–C018; E01–E07, E22, E24; classification coverage rows","S002–S006, S009–S010, S013–S017"],["2. Complete necessary three-stage disclosure rules, timing, content, form, business days, electronic delivery, multiple parties","Stage and clock tables; C019–C028, C043–C067; E08–E10, E15, E18–E19","S001, S006–S011, S021–S024, S026"],["3. Acceptance, changes, cancellation, fees, disbursement, distinct relief","C024–C042, C057–C058; E09–E14, E23","S001–S002, S006–S010, S012, S024"],["4. Self-certification, official blank form/instructions, H-series models, history/currentness","C068–C079, C082–C086; model table; E16–E21; source/read logs","S001, S008, S018–S020, S024–S033"],["5. Comparison, worksheet, qualitative branches, gaps and parent holds","All stage/clock/model tables; blank worksheet; E01–E24; granular coverage; self-check/holds","Provision-specific sources above; no independent actual-record foundation"]]},{"headers":["Read or retrieval event","Result and exact extent","Consequence for this report"],"index":13,"links":[{"href":"https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section1638&num=0&edition=prelim","text":"https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section1638&num=0&edition=prelim"},{"href":"https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section1650&num=0&edition=prelim&utm_source=chatgpt.com","text":"https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section1650&num=0&edition=prelim"},{"href":"https://uscode.house.gov/us/usc/119-120/t20/s1087/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-120/t20/s1087/"},{"href":"https://www.ecfr.gov/current/title-34/section-601.11","text":"https://www.ecfr.gov/current/title-34/section-601.11"},{"href":"https://edocket.access.gpo.gov/2009/E9-18548.htm","text":"https://edocket.access.gpo.gov/2009/E9-18548.htm"}],"row_links":[[],[],[],[],[],[{"href":"https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section1638&num=0&edition=prelim","text":"https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section1638&num=0&edition=prelim"},{"href":"https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section1650&num=0&edition=prelim&utm_source=chatgpt.com","text":"https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section1650&num=0&edition=prelim"}],[{"href":"https://uscode.house.gov/us/usc/119-120/t20/s1087/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-120/t20/s1087/"}],[{"href":"https://www.ecfr.gov/current/title-34/section-601.11","text":"https://www.ecfr.gov/current/title-34/section-601.11"}],[{"href":"https://edocket.access.gpo.gov/2009/E9-18548.htm","text":"https://edocket.access.gpo.gov/2009/E9-18548.htm"}],[],[],[],[],[],[],[],[]],"rows":[["Read or retrieval event","Result and exact extent","Consequence for this report"],["TILA education-loan statutory bodies","§1638(e)(1)–(11) and §1650 definitions/restrictions read as bodies; necessary §1602/§1603/§1604 provisions and notes read","Findings use operative text, not search snippets or headnotes"],["Regulation Z focused provisions","Complete §§1026.46–.48 and all their section-specific official interpretations read across CFPB/eCFR retrievals","Complete focused regulatory definition, conditions, exceptions, and disclosure lists were available"],["Necessary cross-references","Selected scope/creditor/business-day/ordinary-disclosure/E-Sign/HEA/tax/holiday/FCRA bodies read to the extents in S010–S023","Unopened nested definitions and computation rules remain explicit gaps"],["2009 final rule","Material body passages and transition comments read; exact printed/PDF pinpoints in S024","Historical implementation explanation used; no claim to reading all 64 pages"],["Early House preliminary routes","Initial §1638 and §1650 requests returned 404 at https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section1638&num=0&edition=prelim and https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section1650&num=0&edition=prelim. Other preliminary-route attempts for definitions/E-Sign/holidays also failed; successful versioned body URLs are in the source table","Recovered bodies supplied authority. Failed route does not imply no statute"],["Versioned HEA retrievals and malformed cross-link","Some earlier-version §1001/§1002/§1087ll routes failed; successful bodies are S013/S016. A link led to https://uscode.house.gov/us/usc/119-120/t20/s1087/, which is not §1087ll","Wrong-section destination was not used for COA or federal collection findings"],["ED short eCFR URL","https://www.ecfr.gov/current/title-34/section-601.11 returned a retrieval error/rate-limit response; canonical S020 URL succeeded","No substantive gap remains for §601.11’s read body"],["Legacy 2009 final-rule link","https://edocket.access.gpo.gov/2009/E9-18548.htm redirected to a failing government redirect; direct GovInfo HTML/PDF succeeded","S024 supplies the historical body"],["2011 republication","GovInfo PDF retrieval failed because the roughly 40.9 MB file exceeded retrieval limits; GovInfo HTML route also failed. FederalRegister.gov introductory body succeeded","Only stated HTML opening portions were read; full republication and PDF page indices remain unverified"],["Later CFPB main-page retrieval","A final §1026.48 return supplied navigation rather than operative text; another §1026.46 return was navigation-heavy. Complete earlier bodies, current eCFR Subpart F, and separate interpretation pages remained available","No main-page label or navigation text was substituted for substantive reading"],["Model/form parsed text","All two-page H-18–H-23 PDFs and the two-page ED form were parsed and read","Supports text-content comparison only"],["PDF image attempts","H-18, H-19, H-20, and ED form: PDF indices 0 and 1 of each attempted; responses supplied placeholders without inspectable pixels","Eight attempted page views did not produce visual verification. Samples H-21–H-23 were not visually inspected either"],["Current self-certification form search","Official announcement/topic/2026–27 Handbook route led to the 2023 PDF with printed 2025 expiration. No newer official blank or reapproval was located in the bounded search","Current OMB approval/replacement status remains unresolved; no claim that the statutory duty expired"],["ED electronic-signature cross-reference","Comment 48(e)-2’s reference to ED-issued requirements was read; the specific technical standards were not located/read","Electronic self-certification validity is not certified"],["Withdrawn guidance","Official CFPB register and May 12, 2025 withdrawal publication checked for the 2020 advisory mentioned","Advisory not used as operative law"],["Judicial authorities","No case opinion was necessary to establish the focused rule text, and none was used","No holding, disposition, later-history, stay/vacatur, standing, or remedy claim is made"]]},{"headers":["Check","Result"],"index":14,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Check","Result"],["Fresh primary bodies rather than prior report/chat foundation","Used fresh public statute, regulation, official interpretation, final-rule, and generic form/instruction readings"],["Complete private-education-loan regulatory definition","Included all §1026.46(b)(5)(i)–(iv) conditions and both institutional exclusions"],["Three disclosure stages kept distinct","Application, approval, and final triggers/content separated"],["Business-day definitions traced separately","General delivery/cancellation definition distinguished from specific mailed-receipt definition and calendar-day acceptance"],["Statute versus regulation","Consummation wording and regulatory acceptance/receipt implementation expressly distinguished"],["Change exceptions","Index, unequivocal benefit, prohibited law/fraud, COA/aid reduction, nonenrollment comment, and consumer-requested changes addressed; no invented mistake exception"],["Cancellation versus refund/prepayment/other relief","Distinctions expressly preserved"],["Self-certification","Before-consummation requirement, narrower IHE scope, assistance, estimates, signature gap, form-version issue addressed"],["Model use and visuals","Text read bounds stated; unseen pixels not certified; archived H-23 inconsistency reported"],["Currentness and withdrawal","Exact accessed compilation/currency limits and 2025 advisory withdrawal identified"],["Qualitative branches","Twenty-four branches supplied, including more than eight explicit stipulated failure branches"],["Worksheet","Blank; no actual or fictitious identity, account, date, amount, or individualized finding"],["Numerical conclusions","No personal calendar, actual price, award, universal APR, or invented credit ceiling"],["Operations and prohibited inquiries","No record lookup, identifier testing, contact, filing, account change, purchase, site publication, or other person-directed action"],["Model/UI provenance","No claim about an unseen UI model selection or provenance"]]}],"claims":[{"claim_id":"R018-P1-C001","area_numbers":[18],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R018-P1-C001","Precise claim, trigger, conditions, and exceptions":"The statutory private-education-loan definition requires a loan provided by a private educational lender, not made/insured/guaranteed under Title IV, and issued expressly for postsecondary educational expenses. Whether proceeds pass through an institution or directly to the borrower is not determinative. Open-end and the specified real-property/dwelling-secured transactions are excluded.","Source and pinpoint":"S002, 15 U.S.C. §1650(a)(7)–(8). \nuscode.house.gov","Status and limits":"L. No actual product classified."},"coordinator_verification_status":"fresh_selected_classification_operative_checked_nested_and_comments_held","coordinator_review":{"at":"2026-10-29T08:49:29.019966+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"fresh_selected_classification_operative_checked_nested_and_comments_held","scope":"Selected1650definitionandcomplete46operativechecked;gateway/HEA/tax/creditor/consumer/purpose/optionalcoveragecomments/rescissioncrossrefsnotfreshlycompleted;noactualclassificationoralllawexclusion.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R018-P1-C002","area_numbers":[18],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R018-P1-C002","Precise claim, trigger, conditions, and exceptions":"Statutory “private educational lender” includes the specified financial institutions, federal credit unions, and other persons engaged in the business of soliciting, making, or extending these loans. Section 1602(g) includes private educational lenders as creditors. Regulation Z nevertheless applies its general creditor framework; the 2009 rule expressly explains that regulatory implementation.","Source and pinpoint":"S002 §1650(a)(7); S003 §1602(g); S024, 74 FR 41201–41202, PDF indices 7–8. \nuscode.house.gov\n+2","Status and limits":"L/R/H. Statutory and regulatory formulations are not treated as identical. Full financial-charter cross-references were not independently audited."},"coordinator_verification_status":"fresh_selected_classification_operative_checked_nested_and_comments_held","coordinator_review":{"at":"2026-10-29T08:49:29.019966+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"fresh_selected_classification_operative_checked_nested_and_comments_held","scope":"Selected1650definitionandcomplete46operativechecked;gateway/HEA/tax/creditor/consumer/purpose/optionalcoveragecomments/rescissioncrossrefsnotfreshlycompleted;noactualclassificationoralllawexclusion.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R018-P1-C003","area_numbers":[18],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R018-P1-C003","Precise claim, trigger, conditions, and exceptions":"The ordinary Regulation Z creditor test requires regularly extending consumer credit subject to a finance charge or payable by written agreement in more than four installments, excluding a downpayment, with the obligation initially payable to that person. The ordinary regularity test is more than 25 covered extensions in the preceding calendar year; if not met then, the current-year test applies.","Source and pinpoint":"S010, §§1026.1(c)(1), 1026.2(a)(17)(i), (v), and relevant comments. \nConsumer Financial Protection Bureau\n+1","Status and limits":"R/I. Count is not limited to education loans. Special dwelling/high-cost-mortgage branches exist; no threshold is an all-purpose statutory immunity."},"coordinator_verification_status":"material_original_comment_or_crossreference_unreopened_held","coordinator_review":{"at":"2026-10-29T08:49:29.019966+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"material_original_comment_or_crossreference_unreopened_held","scope":"Somegenericoperativecontextfreshbutmaterialofficialcomment/statute/financecharge/APR/model/history/ESIGN/EDtechnical/pixelpremisesunreopened;originallimitsandcurrentnessremain.Noerrororwholeclaimacceptance. ","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R018-P1-C004","area_numbers":[18],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R018-P1-C004","Precise claim, trigger, conditions, and exceptions":"Consumer credit ordinarily concerns a natural person and primarily personal, family, or household purposes. Credit includes a right to defer payment of debt or incur debt and defer payment. An unpaid bill, without establishing the relevant right and other conditions, is insufficient by itself to classify a transaction.","Source and pinpoint":"S010, §1026.2(a)(11), (12), (14); §1026.3(a). \nConsumer Financial Protection Bureau\n+2","Status and limits":"R/I; final sentence INF. No institutional receivable or contract examined."},"coordinator_verification_status":"material_original_comment_or_crossreference_unreopened_held","coordinator_review":{"at":"2026-10-29T08:49:29.019966+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"material_original_comment_or_crossreference_unreopened_held","scope":"Somegenericoperativecontextfreshbutmaterialofficialcomment/statute/financecharge/APR/model/history/ESIGN/EDtechnical/pixelpremisesunreopened;originallimitsandcurrentnessremain.Noerrororwholeclaimacceptance. ","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R018-P1-C005","area_numbers":[18],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R018-P1-C005","Precise claim, trigger, conditions, and exceptions":"Regulation Z’s covered educational institution is an institution meeting the HEA institution-of-higher-education definition without regard to accreditation, and includes specified agents, officers, and employees. The separate “institution of higher education” definition incorporates HEA §§101–102 and ED implementing regulations.","Source and pinpoint":"S006/S009, §1026.46(b)(1)–(2), comments; S013–S014. Statutory formulation: S002 §1650(a)(2), (4). \necfr.gov\n+1","Status and limits":"L/R/I. Accreditation relaxation for “covered institution” must not automatically be carried into every IHE-dependent requirement. Elementary/secondary education is outside this definition."},"coordinator_verification_status":"fresh_regulatory_institution_definitions_checked_incorporated_HEA_held","coordinator_review":{"at":"2026-10-29T08:49:29.019966+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"fresh_regulatory_institution_definitions_checked_incorporated_HEA_held","scope":"46b1–2creditor/institutionregulatorywordsfresh;HEA/EDfullcategoriesandtax/currentstatusnotfreshlyverified.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R018-P1-C006","area_numbers":[18],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R018-P1-C006","Precise claim, trigger, conditions, and exceptions":"The incorporated HEA/ED definitions contain distinct public/nonprofit, proprietary, and vocational categories, with authorization, admissions, program, duration, accreditation, and other conditions. For the nonprofit subtype, ED’s definition includes tax treatment under §501(c)(3) and additional ownership/operation and state-law conditions.","Source and pinpoint":"S013 §§1001–1002; S014 §§600.2, .4–.6; S015 §501(a), (b), (c)(3). \nuscode.house.gov\n+2","Status and limits":"L/R. No actual school or tax status established. Unopened implementing cross-references remain listed below."},"coordinator_verification_status":"material_original_comment_or_crossreference_unreopened_held","coordinator_review":{"at":"2026-10-29T08:49:29.019966+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"material_original_comment_or_crossreference_unreopened_held","scope":"Somegenericoperativecontextfreshbutmaterialofficialcomment/statute/financecharge/APR/model/history/ESIGN/EDtechnical/pixelpremisesunreopened;originallimitsandcurrentnessremain.Noerrororwholeclaimacceptance. ","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R018-P1-C007","area_numbers":[18],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R018-P1-C007","Precise claim, trigger, conditions, and exceptions":"Postsecondary educational expenses incorporate the statutory cost-of-attendance categories, subject to their conditions: tuition/fees; books, supplies, equipment and computer allowance; transportation; qualifying personal and living costs; restricted correspondence/incarceration categories; approved study abroad; dependent care; disability expenses not supplied by another agency; telecommunications treatment; cooperative-education costs; specified federal-loan fees; and first professional licensing/credential costs.","Source and pinpoint":"S006 §1026.46(b)(3); S016, 20 U.S.C. §1087ll(a)(1)–(14), (b)–(c). \necfr.gov\n+1","Status and limits":"L/R. Enrollment, living arrangement, reasonableness, program, and other statutory conditions matter. This is not an actual cost-of-attendance computation."},"coordinator_verification_status":"fresh_COA_fee_wording_selected_other_categories_integration_held","coordinator_review":{"at":"2026-10-29T08:49:29.019966+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"fresh_COA_fee_wording_selected_other_categories_integration_held","scope":"46b3illustrationandcurrent1087lla13selectedconfirmdifferentwording;allCOAcategories/fee-onlyintegration/actualexpensesheld,nofavorableclassification.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R018-P1-C008","area_numbers":[18],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R018-P1-C008","Precise claim, trigger, conditions, and exceptions":"A narrow text/version issue remains: §1026.46(b)(3)’s older illustrative wording includes any loan/origination/insurance fee, while current §1087ll(a)(13) expressly refers to fees for loans under Title IV or another federal law. Those texts do not support silently declaring every private-loan fee a current qualifying COA item.","Source and pinpoint":"S006/S009 §1026.46(b)(3); S016 §1087ll(a)(13). \necfr.gov\n+1","Status and limits":"U/INF. Fee-only classification and the precise integration of the amended cross-reference with the older illustration are held."},"coordinator_verification_status":"fresh_COA_fee_wording_selected_other_categories_integration_held","coordinator_review":{"at":"2026-10-29T08:49:29.019966+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"fresh_COA_fee_wording_selected_other_categories_integration_held","scope":"46b3illustrationandcurrent1087lla13selectedconfirmdifferentwording;allCOAcategories/fee-onlyintegration/actualexpensesheld,nofavorableclassification.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R018-P1-C009","area_numbers":[18],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R018-P1-C009","Precise claim, trigger, conditions, and exceptions":"The exclusion is specifically for loans made, insured, or guaranteed under Title IV of the HEA. Section 1026.3(f) separately exempts those programs from Regulation Z. “Federal connection” alone is not the wording of this exclusion.","Source and pinpoint":"S002 §1650(a)(8); S006 §1026.46(b)(5)(i); S010 §1026.3(f). \necfr.gov\n+1","Status and limits":"L/R. No ED collection, federal-loan servicing, or non-Title-IV program determination."},"coordinator_verification_status":"fresh_selected_classification_operative_checked_nested_and_comments_held","coordinator_review":{"at":"2026-10-29T08:49:29.019966+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"fresh_selected_classification_operative_checked_nested_and_comments_held","scope":"Selected1650definitionandcomplete46operativechecked;gateway/HEA/tax/creditor/consumer/purpose/optionalcoveragecomments/rescissioncrossrefsnotfreshlycompleted;noactualclassificationoralllawexclusion.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R018-P1-C010","area_numbers":[18],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R018-P1-C010","Precise claim, trigger, conditions, and exceptions":"Subpart F excludes open-end credit and any loan secured by real property or a dwelling. Open-end status requires the actual repeated-transaction, finance-charge, and replenishing-credit characteristics in §1026.2(a)(20); installments or a label alone are insufficient. A dwelling need not be the principal residence. Other personal-property collateral is not automatically within this exclusion.","Source and pinpoint":"S006 §1026.46(b)(5)(iii); S010 §1026.2(a)(19)–(20), comments. \necfr.gov\n+2","Status and limits":"R/I. Actual credit mechanics and security are held."},"coordinator_verification_status":"fresh_selected_classification_operative_checked_nested_and_comments_held","coordinator_review":{"at":"2026-10-29T08:49:29.019966+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"fresh_selected_classification_operative_checked_nested_and_comments_held","scope":"Selected1650definitionandcomplete46operativechecked;gateway/HEA/tax/creditor/consumer/purpose/optionalcoveragecomments/rescissioncrossrefsnotfreshlycompleted;noactualclassificationoralllawexclusion.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R018-P1-C011","area_numbers":[18],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R018-P1-C011","Precise claim, trigger, conditions, and exceptions":"If the covered educational institution itself is creditor and the credit term is 90 days or less, the transaction is excluded from the private-education-loan definition even if interest is charged.","Source and pinpoint":"S006 §1026.46(b)(5)(iv)(A), comment 46(b)(5)-3. \necfr.gov\n+1","Status and limits":"R/I. Both creditor identity and contractual term are necessary; a school connection alone is insufficient."},"coordinator_verification_status":"fresh_selected_classification_operative_checked_nested_and_comments_held","coordinator_review":{"at":"2026-10-29T08:49:29.019966+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"fresh_selected_classification_operative_checked_nested_and_comments_held","scope":"Selected1650definitionandcomplete46operativechecked;gateway/HEA/tax/creditor/consumer/purpose/optionalcoveragecomments/rescissioncrossrefsnotfreshlycompleted;noactualclassificationoralllawexclusion.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R018-P1-C012","area_numbers":[18],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R018-P1-C012","Precise claim, trigger, conditions, and exceptions":"If the covered institution is creditor, no interest rate will be applied to the credit balance, and the term is one year or less, the credit is excluded even if payable in more than four installments.","Source and pinpoint":"S006 §1026.46(b)(5)(iv)(B), comment 46(b)(5)-4. \necfr.gov\n+1","Status and limits":"R/I. “No interest” is the specific test; this does not automatically eliminate all other TILA questions about fees or installments."},"coordinator_verification_status":"fresh_selected_classification_operative_checked_nested_and_comments_held","coordinator_review":{"at":"2026-10-29T08:49:29.019966+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"fresh_selected_classification_operative_checked_nested_and_comments_held","scope":"Selected1650definitionandcomplete46operativechecked;gateway/HEA/tax/creditor/consumer/purpose/optionalcoveragecomments/rescissioncrossrefsnotfreshlycompleted;noactualclassificationoralllawexclusion.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R018-P1-C013","area_numbers":[18],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R018-P1-C013","Precise claim, trigger, conditions, and exceptions":"Institutional short-term loans and billing plans excluded from Subpart F may still be subject to ordinary closed-end disclosures under §§1026.17–.18. For a short-term obligation due upon receipt of specified funds, the commentary addresses estimating when those funds will arrive.","Source and pinpoint":"S006, comments 46(b)(5)-3–4; S011. \nConsumer Financial Protection Bureau","Status and limits":"I. Exclusion from Subpart F is not exclusion from every consumer-credit law."},"coordinator_verification_status":"material_original_comment_or_crossreference_unreopened_held","coordinator_review":{"at":"2026-10-29T08:49:29.019966+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"material_original_comment_or_crossreference_unreopened_held","scope":"Somegenericoperativecontextfreshbutmaterialofficialcomment/statute/financecharge/APR/model/history/ESIGN/EDtechnical/pixelpremisesunreopened;originallimitsandcurrentnessremain.Noerrororwholeclaimacceptance. ","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R018-P1-C014","area_numbers":[18],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R018-P1-C014","Precise claim, trigger, conditions, and exceptions":"A multipurpose application can be exempt from the application disclosures under §1026.46(d)(1)(iii). If the resulting credit is expressly for educational expenses in whole or part and meets the other definition elements, approval/final disclosures and §1026.48 apply to the entire loan. The commentary permits reliance on a purpose line or checkbox.","Source and pinpoint":"S006 §1026.46(d)(1)(iii), comment 46(b)(5)-2. \necfr.gov\n+1","Status and limits":"R/I. This is not a general multipurpose-loan exemption."},"coordinator_verification_status":"fresh_selected_classification_operative_checked_nested_and_comments_held","coordinator_review":{"at":"2026-10-29T08:49:29.019966+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"fresh_selected_classification_operative_checked_nested_and_comments_held","scope":"Selected1650definitionandcomplete46operativechecked;gateway/HEA/tax/creditor/consumer/purpose/optionalcoveragecomments/rescissioncrossrefsnotfreshlycompleted;noactualclassificationoralllawexclusion.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R018-P1-C015","area_numbers":[18],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R018-P1-C015","Precise claim, trigger, conditions, and exceptions":"The official definition commentary includes consolidation of existing private education loans.","Source and pinpoint":"S006, comment 46(b)(5)-1. \nConsumer Financial Protection Bureau","Status and limits":"I. No reliance on the withdrawn 2020 CFPB advisory opinion; federal-loan refinancing is not resolved."},"coordinator_verification_status":"original_consolidation_comment_unreopened_withdrawn_advisory_not_relied","coordinator_review":{"at":"2026-10-29T08:49:29.019966+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"original_consolidation_comment_unreopened_withdrawn_advisory_not_relied","scope":"46commentconsolidationoriginalattributiononly;separatelydatedwithdrawalentrynotoperativeauthorityorfederalrefinancingfinding.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R018-P1-C016","area_numbers":[18],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R018-P1-C016","Precise claim, trigger, conditions, and exceptions":"A creditor may elect Subpart F for specified post-graduation relocation, examination-study, internship/residency, and similar expenses otherwise governed by §§1026.17–.18. If the credit actually covers qualifying postsecondary expenses, coverage is mandatory; if the optional route is chosen, applicable Subpart F requirements follow.","Source and pinpoint":"S006 §1026.46(a), official coverage comments. \necfr.gov\n+1","Status and limits":"R/I. No classification of an actual professional-school product."},"coordinator_verification_status":"fresh_selected_classification_operative_checked_nested_and_comments_held","coordinator_review":{"at":"2026-10-29T08:49:29.019966+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"fresh_selected_classification_operative_checked_nested_and_comments_held","scope":"Selected1650definitionandcomplete46operativechecked;gateway/HEA/tax/creditor/consumer/purpose/optionalcoveragecomments/rescissioncrossrefsnotfreshlycompleted;noactualclassificationoralllawexclusion.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R018-P1-C017","area_numbers":[18],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R018-P1-C017","Precise claim, trigger, conditions, and exceptions":"“Tuition arrears,” “payment plan,” “income-share agreement,” “scholarship repayment,” or “aid overpayment” does not itself establish a covered private education loan. The credit right, creditor, express purpose, institution, expenses, and exclusions must be established.","Source and pinpoint":"S006 §1026.46(b)(5); S010 §1026.2(a)(14), (17), (20). \necfr.gov\n+1","Status and limits":"INF/U. These additional A018 dimensions remain open; no generic conclusion that all or none are loans."},"coordinator_verification_status":"fresh_selected_classification_operative_checked_nested_and_comments_held","coordinator_review":{"at":"2026-10-29T08:49:29.019966+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"fresh_selected_classification_operative_checked_nested_and_comments_held","scope":"Selected1650definitionandcomplete46operativechecked;gateway/HEA/tax/creditor/consumer/purpose/optionalcoveragecomments/rescissioncrossrefsnotfreshlycompleted;noactualclassificationoralllawexclusion.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R018-P1-C018","area_numbers":[18],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R018-P1-C018","Precise claim, trigger, conditions, and exceptions":"The general amount-based Regulation Z exemption does not exclude a transaction that is a private education loan. This is not a credit ceiling or approval requirement.","Source and pinpoint":"S004, 15 U.S.C. §1603(3); S010 §1026.3(b)(1)(i)(B). \nuscode.house.gov\n+1","Status and limits":"L/R. No universal maximum loan, APR, or cost follows."},"coordinator_verification_status":"material_original_comment_or_crossreference_unreopened_held","coordinator_review":{"at":"2026-10-29T08:49:29.019966+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"material_original_comment_or_crossreference_unreopened_held","scope":"Somegenericoperativecontextfreshbutmaterialofficialcomment/statute/financecharge/APR/model/history/ESIGN/EDtechnical/pixelpremisesunreopened;originallimitsandcurrentnessremain.Noerrororwholeclaimacceptance. ","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R018-P1-C019","area_numbers":[18],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R018-P1-C019","Precise claim, trigger, conditions, and exceptions":"Application disclosures are due on or with any covered application or solicitation. A solicitation is an offer not requiring an application, including a qualifying FCRA firm offer. A mere invitation to apply is not that trigger unless it includes a written, electronic, telephone, take-one, or in-person application.","Source and pinpoint":"S006 §1026.46(d)(1)(i), comment 46(d)(1)-1; S023 §1681a(l)(1)–(3). \necfr.gov\n+2","Status and limits":"R/I/L. No marketing communication or credit criteria were tested."},"coordinator_verification_status":"fresh_complete46_operative_and_stage_context_checked_comment_ESIGN_application_held","coordinator_review":{"at":"2026-10-29T08:49:29.019966+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"fresh_complete46_operative_and_stage_context_checked_comment_ESIGN_application_held","scope":"46a–goperativeand47cnoticefresh;timing/primaryrecipient/retainability/segregation/applicationE-Signexception/estimates/subsequenteventslimitschecked;officialcommentextensions/ESIGNconditions/actualpixels/roles/consentnotfreshlyverified.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R018-P1-C020","area_numbers":[18],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R018-P1-C020","Precise claim, trigger, conditions, and exceptions":"For a telephone application/solicitation, the creditor may provide §1026.47(a) orally. Otherwise it must provide or mail those disclosures no later than three general business days after application, unless it denies the application or provides/mails approval disclosures within the specified three-day period.","Source and pinpoint":"S006 §1026.46(d)(1)(ii); S010 §1026.2(a)(6). \necfr.gov\n+1","Status and limits":"R. Telephone exception does not remove approval/final duties for a resulting covered loan."},"coordinator_verification_status":"fresh_complete46_operative_and_stage_context_checked_comment_ESIGN_application_held","coordinator_review":{"at":"2026-10-29T08:49:29.019966+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"fresh_complete46_operative_and_stage_context_checked_comment_ESIGN_application_held","scope":"46a–goperativeand47cnoticefresh;timing/primaryrecipient/retainability/segregation/applicationE-Signexception/estimates/subsequenteventslimitschecked;officialcommentextensions/ESIGNconditions/actualpixels/roles/consentnotfreshlyverified.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R018-P1-C021","area_numbers":[18],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R018-P1-C021","Precise claim, trigger, conditions, and exceptions":"Approval disclosures must accompany any approval notice before consummation. Mail notice and disclosures travel together; in-person approval requires then-delivery; telephone approval requires mailing within three general business days. Electronic delivery is subject to the electronic-disclosure rules; absent qualifying delivery, the three-day mailing fallback applies. A request for additional information before approval is not itself approval.","Source and pinpoint":"S006 §1026.46(d)(2), comment 46(d)(2)-1. \necfr.gov\n+1","Status and limits":"R/I. Actual approval wording and delivery are held."},"coordinator_verification_status":"fresh_complete46_operative_and_stage_context_checked_comment_ESIGN_application_held","coordinator_review":{"at":"2026-10-29T08:49:29.019966+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"fresh_complete46_operative_and_stage_context_checked_comment_ESIGN_application_held","scope":"46a–goperativeand47cnoticefresh;timing/primaryrecipient/retainability/segregation/applicationE-Signexception/estimates/subsequenteventslimitschecked;officialcommentextensions/ESIGNconditions/actualpixels/roles/consentnotfreshlyverified.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R018-P1-C022","area_numbers":[18],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R018-P1-C022","Precise claim, trigger, conditions, and exceptions":"Final disclosures are provided after acceptance under §1026.48(c)(1). The operative text does not impose a universal “immediately after acceptance” deadline; the cancellation and funding restrictions still govern.","Source and pinpoint":"S006 §1026.46(d)(3); S007 §1026.47(c); S008 §1026.48(d). \necfr.gov\n+1","Status and limits":"R. No actual event sequence established."},"coordinator_verification_status":"fresh_complete46_operative_and_stage_context_checked_comment_ESIGN_application_held","coordinator_review":{"at":"2026-10-29T08:49:29.019966+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"fresh_complete46_operative_and_stage_context_checked_comment_ESIGN_application_held","scope":"46a–goperativeand47cnoticefresh;timing/primaryrecipient/retainability/segregation/applicationE-Signexception/estimates/subsequenteventslimitschecked;officialcommentextensions/ESIGNconditions/actualpixels/roles/consentnotfreshlyverified.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R018-P1-C023","area_numbers":[18],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R018-P1-C023","Precise claim, trigger, conditions, and exceptions":"Statutory final-disclosure/cancellation provisions use consummation; Regulation Z implements them through acceptance and receipt of final disclosures. Consummation is when the consumer becomes contractually obligated under applicable law, not a universally interchangeable synonym for approval, acceptance, or funding.","Source and pinpoint":"S001 §1638(e)(4), (6)–(8); S010 §1026.2(a)(13); S024, 74 FR 41208, 41221–41222, PDF 14, 27–28. \nuscode.house.gov\n+2","Status and limits":"L/R/H. State contract law and actual consummation remain held."},"coordinator_verification_status":"fresh_statutory_regulatory_wording_distinguished_historical_implementation_held","coordinator_review":{"at":"2026-10-29T08:49:29.019966+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"fresh_statutory_regulatory_wording_distinguished_historical_implementation_held","scope":"Complete1638eand47c/48doperatewithdifferentconsummationversusacceptance/receiptevents/content;2009implementationpreambleunreopened,stateconsummationheld.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R018-P1-C024","area_numbers":[18],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R018-P1-C024","Precise claim, trigger, conditions, and exceptions":"The consumer has at least 30 calendar days following receipt of approval disclosures to accept. A longer period is allowed, and the consumer may accept before its end.","Source and pinpoint":"S008 §1026.48(c)(1), comment 48(c)-1. \necfr.gov\n+1","Status and limits":"R/I. No actual expiration date calculated."},"coordinator_verification_status":"fresh_complete48_operative_checked_comment_procedures_and_application_held","coordinator_review":{"at":"2026-10-29T08:49:29.019966+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"fresh_complete48_operative_checked_comment_procedures_and_application_held","scope":"48c/dcompleteexceptions/termfreeze/30calendaracceptance/receipt3daycancel/nofunding/newrequestedtermschecked;noinventedmistakeorfederalbenefitexception.Othercomment-onlynonenrollment/mailreasonablesatisfaction/longerperiodproceduresnotfresh.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R018-P1-C025","area_numbers":[18],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R018-P1-C025","Precise claim, trigger, conditions, and exceptions":"Mailed application, approval, and final disclosures are considered received three specific business days after mailing. The specific definition excludes Sundays and §6103(a) holidays.","Source and pinpoint":"S006 §1026.46(d)(4), comment 46(d)-1; S010 §1026.2(a)(6). \necfr.gov\n+2","Status and limits":"R/I. No automatic extension of this mailed-disclosure rule to email."},"coordinator_verification_status":"fresh_complete46_operative_and_stage_context_checked_comment_ESIGN_application_held","coordinator_review":{"at":"2026-10-29T08:49:29.019966+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"fresh_complete46_operative_and_stage_context_checked_comment_ESIGN_application_held","scope":"46a–goperativeand47cnoticefresh;timing/primaryrecipient/retainability/segregation/applicationE-Signexception/estimates/subsequenteventslimitschecked;officialcommentextensions/ESIGNconditions/actualpixels/roles/consentnotfreshlyverified.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R018-P1-C026","area_numbers":[18],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R018-P1-C026","Precise claim, trigger, conditions, and exceptions":"The general creditor-business-functions definition governs the telephone/fallback mailing periods and §1026.48(d) cancellation period. The special-definition list includes §1026.46(d)(4), but not §1026.48(d).","Source and pinpoint":"S010 §1026.2(a)(6), comments 1–2; S024, 74 FR 41198, PDF 4. \nConsumer Financial Protection Bureau\n+1","Status and limits":"R/I/H. Actual office functions are unknown; no universal weekday calendar assumed."},"coordinator_verification_status":"fresh_complete_businessday_definition_comments_checked_historical_explanation_held","coordinator_review":{"at":"2026-10-29T08:49:29.019966+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"fresh_complete_businessday_definition_comments_checked_historical_explanation_held","scope":"2a6includes46d4specificdefinition,not48d;generalfunctionsforcancellation;2009FRexplanationoriginalunreopenedandactualcalendarheld.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R018-P1-C027","area_numbers":[18],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R018-P1-C027","Precise claim, trigger, conditions, and exceptions":"Section 6103(a), including Juneteenth, controls the holiday cross-reference. The commentary’s older fixed-holiday illustration is incomplete as a current holiday list, and an observed substitute weekday is not automatically excluded under the specific definition.","Source and pinpoint":"S022 §6103(a); S010 comment 2(a)(6)-2. \nuscode.house.gov\n+1","Status and limits":"L/I. No personal holiday calculation."},"coordinator_verification_status":"fresh_definition_crossreference_only_holiday_statute_failed_unverified","coordinator_review":{"at":"2026-10-29T08:49:29.019966+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"fresh_definition_crossreference_only_holiday_statute_failed_unverified","scope":"CFPBolderillustrativelist/commentsfresh;6103statutoryholidaylistoriginalattributionunreopenedafterownfind404/priorIA12open404.Nocurrentlist/holidaycalculationverification.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R018-P1-C028","area_numbers":[18],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R018-P1-C028","Precise claim, trigger, conditions, and exceptions":"Acceptance may be oral, written, or electronic as permitted and disclosed. Electronic communication cannot be the only method unless approval disclosures were provided electronically with applicable E-Sign compliance. If mail is allowed, timely placement in the mail is sufficient.","Source and pinpoint":"S008, comment 48(c)-2; S007 §1026.47(b)(5). \nConsumer Financial Protection Bureau\n+1","Status and limits":"I/R. Contractual authority of one borrower to bind another is not determined."},"coordinator_verification_status":"material_original_comment_or_crossreference_unreopened_held","coordinator_review":{"at":"2026-10-29T08:49:29.019966+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"material_original_comment_or_crossreference_unreopened_held","scope":"Somegenericoperativecontextfreshbutmaterialofficialcomment/statute/financecharge/APR/model/history/ESIGN/EDtechnical/pixelpremisesunreopened;originallimitsandcurrentnessremain.Noerrororwholeclaimacceptance. ","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R018-P1-C029","area_numbers":[18],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R018-P1-C029","Precise claim, trigger, conditions, and exceptions":"The freeze covers terms required to be disclosed under §1026.47(b) and (c), until disbursement or expiration of the 30-day period if unaccepted, subject to exceptions. Timely acceptance leaves protection in place until disbursement. Changes not affecting required-disclosure terms are not prohibited by this particular restriction.","Source and pinpoint":"S008 §1026.48(c)(2), comment 48(c)-3. \necfr.gov\n+1","Status and limits":"R/I. Not a determination that every other contractual change is lawful."},"coordinator_verification_status":"fresh_complete48_operative_checked_comment_procedures_and_application_held","coordinator_review":{"at":"2026-10-29T08:49:29.019966+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"fresh_complete48_operative_checked_comment_procedures_and_application_held","scope":"48c/dcompleteexceptions/termfreeze/30calendaracceptance/receipt3daycancel/nofunding/newrequestedtermschecked;noinventedmistakeorfederalbenefitexception.Othercomment-onlynonenrollment/mailreasonablesatisfaction/longerperiodproceduresnotfresh.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R018-P1-C030","area_numbers":[18],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R018-P1-C030","Precise claim, trigger, conditions, and exceptions":"Before consummation, an offer may be withdrawn if extending credit would be prohibited by law or the creditor has reason to believe the consumer committed fraud in connection with the application.","Source and pinpoint":"S008 §1026.48(c)(3)(i)(A). \necfr.gov","Status and limits":"R. No actual fraud, prohibited-credit, or evidentiary finding."},"coordinator_verification_status":"fresh_complete48_operative_checked_comment_procedures_and_application_held","coordinator_review":{"at":"2026-10-29T08:49:29.019966+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"fresh_complete48_operative_checked_comment_procedures_and_application_held","scope":"48c/dcompleteexceptions/termfreeze/30calendaracceptance/receipt3daycancel/nofunding/newrequestedtermschecked;noinventedmistakeorfederalbenefitexception.Othercomment-onlynonenrollment/mailreasonablesatisfaction/longerperiodproceduresnotfresh.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R018-P1-C031","area_numbers":[18],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R018-P1-C031","Precise claim, trigger, conditions, and exceptions":"An interest-rate change based on adjustment of the loan’s index is an enumerated exception. A discretionary margin increase or increased lender funding cost is not itself that index exception.","Source and pinpoint":"S008 §1026.48(c)(3)(i)(B), comment 48(c)-4. \necfr.gov\n+1","Status and limits":"R/I; distinction INF. Actual index, margin, and contract remain unknown."},"coordinator_verification_status":"fresh_complete48_operative_checked_comment_procedures_and_application_held","coordinator_review":{"at":"2026-10-29T08:49:29.019966+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"fresh_complete48_operative_checked_comment_procedures_and_application_held","scope":"48c/dcompleteexceptions/termfreeze/30calendaracceptance/receipt3daycancel/nofunding/newrequestedtermschecked;noinventedmistakeorfederalbenefitexception.Othercomment-onlynonenrollment/mailreasonablesatisfaction/longerperiodproceduresnotfresh.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R018-P1-C032","area_numbers":[18],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R018-P1-C032","Precise claim, trigger, conditions, and exceptions":"A change that unequivocally benefits the consumer is permitted under the stated exception. The reviewed clause contains no separate general exemption labeled “federally authorized loan-benefit changes.” A claimed authorization would require its own applicable authority or satisfaction of the actual exception.","Source and pinpoint":"S008 §1026.48(c)(3)(i)(C), comment 48(c)-4. \necfr.gov\n+1","Status and limits":"R/I/U. A “benefit” label does not establish unequivocal benefit."},"coordinator_verification_status":"fresh_complete48_operative_checked_comment_procedures_and_application_held","coordinator_review":{"at":"2026-10-29T08:49:29.019966+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"fresh_complete48_operative_checked_comment_procedures_and_application_held","scope":"48c/dcompleteexceptions/termfreeze/30calendaracceptance/receipt3daycancel/nofunding/newrequestedtermschecked;noinventedmistakeorfederalbenefitexception.Othercomment-onlynonenrollment/mailreasonablesatisfaction/longerperiodproceduresnotfresh.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R018-P1-C033","area_numbers":[18],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R018-P1-C033","Precise claim, trigger, conditions, and exceptions":"Loan amount may be reduced based on school/consumer certification or other information that COA decreased or other aid increased. Related rate/term changes are limited to those the consumer would have received on an original application for the reduced amount. Commentary also permits withdrawal based on school/consumer information that the student is not enrolled.","Source and pinpoint":"S008 §1026.48(c)(3)(i)(D), comments 48(c)-4–5. \necfr.gov\n+1","Status and limits":"R/I. These exceptions do not require new approval disclosures/new 30 days; final disclosures remain required."},"coordinator_verification_status":"fresh_complete48_operative_checked_comment_procedures_and_application_held","coordinator_review":{"at":"2026-10-29T08:49:29.019966+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"fresh_complete48_operative_checked_comment_procedures_and_application_held","scope":"48c/dcompleteexceptions/termfreeze/30calendaracceptance/receipt3daycancel/nofunding/newrequestedtermschecked;noinventedmistakeorfederalbenefitexception.Othercomment-onlynonenrollment/mailreasonablesatisfaction/longerperiodproceduresnotfresh.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R018-P1-C034","area_numbers":[18],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R018-P1-C034","Precise claim, trigger, conditions, and exceptions":"A creditor may accommodate a specific consumer request by changing terms, but then must provide new approval disclosures and a new 30-day acceptance opportunity. The prior offer remains protected unless the replacement is accepted or a separate §1026.48(c)(3) exception applies.","Source and pinpoint":"S008 §1026.48(c)(4), comment 48(c)-6. \necfr.gov\n+1","Status and limits":"R/I. Accommodation is optional; a consumer’s inquiry is not automatically acceptance of a replacement."},"coordinator_verification_status":"fresh_complete48_operative_checked_comment_procedures_and_application_held","coordinator_review":{"at":"2026-10-29T08:49:29.019966+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"fresh_complete48_operative_checked_comment_procedures_and_application_held","scope":"48c/dcompleteexceptions/termfreeze/30calendaracceptance/receipt3daycancel/nofunding/newrequestedtermschecked;noinventedmistakeorfederalbenefitexception.Othercomment-onlynonenrollment/mailreasonablesatisfaction/longerperiodproceduresnotfresh.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R018-P1-C035","area_numbers":[18],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R018-P1-C035","Precise claim, trigger, conditions, and exceptions":"No general lender “mistake,” changed-creditworthiness, or cost-of-funds exception appears in the reviewed §1026.48(c)(3) list. That list cannot be enlarged merely by describing a change as corrective.","Source and pinpoint":"S008 §1026.48(c)(3)–(4), complete conditions and comments. \necfr.gov\n+2","Status and limits":"INF. No determination of a statutory error defense, contract doctrine, remedy, or litigation outcome."},"coordinator_verification_status":"fresh_complete48_operative_checked_comment_procedures_and_application_held","coordinator_review":{"at":"2026-10-29T08:49:29.019966+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"fresh_complete48_operative_checked_comment_procedures_and_application_held","scope":"48c/dcompleteexceptions/termfreeze/30calendaracceptance/receipt3daycancel/nofunding/newrequestedtermschecked;noinventedmistakeorfederalbenefitexception.Othercomment-onlynonenrollment/mailreasonablesatisfaction/longerperiodproceduresnotfresh.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R018-P1-C036","area_numbers":[18],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R018-P1-C036","Precise claim, trigger, conditions, and exceptions":"The consumer may cancel without penalty until midnight of the third general business day following receipt of final disclosures. The final disclosure must specify the cancellation-expiration date.","Source and pinpoint":"S008 §1026.48(d); S007 §1026.47(c)(4), comment 47(c)-1. \necfr.gov\n+2","Status and limits":"R/I. Disclosure of a date and calculating an actual lawful date are separate tasks."},"coordinator_verification_status":"fresh_complete48_operative_checked_comment_procedures_and_application_held","coordinator_review":{"at":"2026-10-29T08:49:29.019966+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"fresh_complete48_operative_checked_comment_procedures_and_application_held","scope":"48c/dcompleteexceptions/termfreeze/30calendaracceptance/receipt3daycancel/nofunding/newrequestedtermschecked;noinventedmistakeorfederalbenefitexception.Othercomment-onlynonenrollment/mailreasonablesatisfaction/longerperiodproceduresnotfresh.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R018-P1-C037","area_numbers":[18],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R018-P1-C037","Precise claim, trigger, conditions, and exceptions":"The creditor must specify cancellation methods. Electronic cancellation cannot be the only method unless final disclosures were delivered electronically with applicable E-Sign compliance. If mail is allowed, the notice must identify the receiving address/agent and state the timely-dispatch rule.","Source and pinpoint":"S007 §1026.47(c)(4); S008 comment 48(d)-2. \necfr.gov\n+1","Status and limits":"R/I. No cancellation communication sent or assessed."},"coordinator_verification_status":"fresh_complete48_operative_checked_comment_procedures_and_application_held","coordinator_review":{"at":"2026-10-29T08:49:29.019966+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"fresh_complete48_operative_checked_comment_procedures_and_application_held","scope":"48c/dcompleteexceptions/termfreeze/30calendaracceptance/receipt3daycancel/nofunding/newrequestedtermschecked;noinventedmistakeorfederalbenefitexception.Othercomment-onlynonenrollment/mailreasonablesatisfaction/longerperiodproceduresnotfresh.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R018-P1-C038","area_numbers":[18],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R018-P1-C038","Precise claim, trigger, conditions, and exceptions":"No funds may be disbursed before the three-day period expires. The creditor must be reasonably satisfied cancellation was not exercised; permissible approaches include allowing reasonable time for mailed notice or obtaining a written nonexercise statement supplied and signed only at the end of the period.","Source and pinpoint":"S008 §1026.48(d), comment 48(d)-2. \necfr.gov\n+1","Status and limits":"R/I. No early-waiver mechanism is supplied by this comment."},"coordinator_verification_status":"fresh_complete48_operative_checked_comment_procedures_and_application_held","coordinator_review":{"at":"2026-10-29T08:49:29.019966+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"fresh_complete48_operative_checked_comment_procedures_and_application_held","scope":"48c/dcompleteexceptions/termfreeze/30calendaracceptance/receipt3daycancel/nofunding/newrequestedtermschecked;noinventedmistakeorfederalbenefitexception.Othercomment-onlynonenrollment/mailreasonablesatisfaction/longerperiodproceduresnotfresh.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R018-P1-C039","area_numbers":[18],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R018-P1-C039","Precise claim, trigger, conditions, and exceptions":"If the creditor voluntarily allows a longer cancellation period, the commentary permits disbursement after the statutory minimum period, but requires honoring a later timely cancellation within the longer period.","Source and pinpoint":"S008, comment 48(d)-1. \nConsumer Financial Protection Bureau","Status and limits":"I. Resulting return/refund mechanics require the actual terms and other applicable authority; no universal free-use-and-return right established."},"coordinator_verification_status":"material_original_comment_or_crossreference_unreopened_held","coordinator_review":{"at":"2026-10-29T08:49:29.019966+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"material_original_comment_or_crossreference_unreopened_held","scope":"Somegenericoperativecontextfreshbutmaterialofficialcomment/statute/financecharge/APR/model/history/ESIGN/EDtechnical/pixelpremisesunreopened;originallimitsandcurrentnessremain.Noerrororwholeclaimacceptance. ","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R018-P1-C040","area_numbers":[18],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R018-P1-C040","Precise claim, trigger, conditions, and exceptions":"Cancellation without penalty prohibits fees charged specifically for exercising cancellation. The commentary does not require refund of a fee, such as an application fee, charged to all consumers whether or not they cancel.","Source and pinpoint":"S008, comment 48(d)-3. \nConsumer Financial Protection Bureau","Status and limits":"I. Not a conclusion that any particular fee is lawful or nonrefundable under every law."},"coordinator_verification_status":"material_original_comment_or_crossreference_unreopened_held","coordinator_review":{"at":"2026-10-29T08:49:29.019966+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"material_original_comment_or_crossreference_unreopened_held","scope":"Somegenericoperativecontextfreshbutmaterialofficialcomment/statute/financecharge/APR/model/history/ESIGN/EDtechnical/pixelpremisesunreopened;originallimitsandcurrentnessremain.Noerrororwholeclaimacceptance. ","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R018-P1-C041","area_numbers":[18],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R018-P1-C041","Precise claim, trigger, conditions, and exceptions":"Separately, a private educational lender may not impose a fee or penalty for early repayment or prepayment of a private education loan.","Source and pinpoint":"S002, 15 U.S.C. §1650(e). \nuscode.house.gov","Status and limits":"L. This is distinct from cancellation, principal forgiveness, accrued-charge treatment, and a refund calculation."},"coordinator_verification_status":"fresh_selected_prepayment_statute_checked_distinct_cancel_fees","coordinator_review":{"at":"2026-10-29T08:49:29.019966+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"fresh_selected_prepayment_statute_checked_distinct_cancel_fees","scope":"1650eprepaymentfeepenaltybarselected;notprincipalforgiveness/actualfeelegality/refundorperiod.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R018-P1-C042","area_numbers":[18],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R018-P1-C042","Precise claim, trigger, conditions, and exceptions":"The Subpart F cancellation right is distinct from §1026.23 principal-dwelling rescission. A loan secured by any dwelling is excluded from the Subpart F definition. Neither the education-loan cancellation rule nor a disclosure defect automatically establishes later discharge, settlement, refinancing, federal forgiveness, cosigner release, or invalidity.","Source and pinpoint":"S006 §1026.46(b)(5)(iii); S012 §1026.23(a)(1); S008 §1026.48(d). \necfr.gov\n+2","Status and limits":"R/INF. Full home-rescission and all remedies analyses remain outside this component."},"coordinator_verification_status":"fresh_selected_classification_operative_checked_nested_and_comments_held","coordinator_review":{"at":"2026-10-29T08:49:29.019966+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"fresh_selected_classification_operative_checked_nested_and_comments_held","scope":"Selected1650definitionandcomplete46operativechecked;gateway/HEA/tax/creditor/consumer/purpose/optionalcoveragecomments/rescissioncrossrefsnotfreshlycompleted;noactualclassificationoralllawexclusion.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R018-P1-C043","area_numbers":[18],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R018-P1-C043","Precise claim, trigger, conditions, and exceptions":"Application disclosures give only rates/ranges actually offered; applicable creditworthiness/other-factor qualification; fixed/variable status; adjustment frequency, increment/lifetime limits or absence; possible higher/lower actual rate; and any applicable-law limit statement. Variable-rate ranges reflect the actual index and margin. Default/delinquency/assumption/acceleration increases are addressed separately from the ordinary variable-rate characterization.","Source and pinpoint":"S007 §1026.47(a)(1)(i)–(iii), comments 47(a)(1)(i)-1–3 and (iii)-1–2. \nConsumer Financial Protection Bureau","Status and limits":"R/I. Freshness periods are in the clock table. No actual rate or legal ceiling established."},"coordinator_verification_status":"fresh47_operative_content_checked_comment_pricing_inputs_held","coordinator_review":{"at":"2026-10-29T08:49:29.019966+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"fresh47_operative_content_checked_comment_pricing_inputs_held","scope":"Complete47contentlistfreshsupportsitem/triggers/25percentestimate/specifiedcostexample;commentfreshness/grossup/deferral/legalceiling/bankruptcy/aidprogram/actualrateandcalculationnotfreshlyverified.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R018-P1-C044","area_numbers":[18],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R018-P1-C044","Precise claim, trigger, conditions, and exceptions":"Application disclosures itemize required fees as a dollar amount or percentage; an estimated range is permitted where the exact fee is unknown. Required fees include finance charges and required non-finance-charge fees, including application fees charged regardless of credit extension. Default/late-payment fees, rate changes, and principal adjustments are disclosed. Later optional deferment/forbearance/modification fees are not required by this particular item.","Source and pinpoint":"S007 §1026.47(a)(2), comments 1–2. \nConsumer Financial Protection Bureau","Status and limits":"R/I. Fee classification under the complete finance-charge rules remains held."},"coordinator_verification_status":"material_original_comment_or_crossreference_unreopened_held","coordinator_review":{"at":"2026-10-29T08:49:29.019966+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"material_original_comment_or_crossreference_unreopened_held","scope":"Somegenericoperativecontextfreshbutmaterialofficialcomment/statute/financecharge/APR/model/history/ESIGN/EDtechnical/pixelpremisesunreopened;originallimitsandcurrentnessremain.Noerrororwholeclaimacceptance. ","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R018-P1-C045","area_numbers":[18],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R018-P1-C045","Precise claim, trigger, conditions, and exceptions":"Application repayment disclosures identify the maximum period for regularly scheduled principal/interest payments; deferral options or their absence; for each in-school option, interest accrual and possible capitalization; reference to contract information for later repayment-period deferrals; and the bankruptcy caution that repayment may still be required.","Source and pinpoint":"S007 §1026.47(a)(3), comments 1–5. \nConsumer Financial Protection Bureau","Status and limits":"R/I. The bankruptcy warning is not an adjudication of nondischargeability."},"coordinator_verification_status":"fresh47_operative_content_checked_comment_pricing_inputs_held","coordinator_review":{"at":"2026-10-29T08:49:29.019966+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"fresh47_operative_content_checked_comment_pricing_inputs_held","scope":"Complete47contentlistfreshsupportsitem/triggers/25percentestimate/specifiedcostexample;commentfreshness/grossup/deferral/legalceiling/bankruptcy/aidprogram/actualrateandcalculationnotfreshlyverified.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R018-P1-C046","area_numbers":[18],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R018-P1-C046","Precise claim, trigger, conditions, and exceptions":"Application cost examples use total-of-payments methodology, the highest disclosed starting rate and applicable finance charges, and an amount financed of $10,000, or $5,000 where only smaller loans of that type are offered. Prepaid charges must be accounted for so the prescribed amount financed is actually represented; the percentage-fee commentary specifies a special gross-up assumption.","Source and pinpoint":"S007 §1026.47(a)(4), comments 1–2; S011 §1026.18(h). \necfr.gov\n+1","Status and limits":"R/I. These are prescribed disclosure-example inputs, not borrowing limits. No worked amount or APR validation performed."},"coordinator_verification_status":"fresh47_operative_content_checked_comment_pricing_inputs_held","coordinator_review":{"at":"2026-10-29T08:49:29.019966+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"fresh47_operative_content_checked_comment_pricing_inputs_held","scope":"Complete47contentlistfreshsupportsitem/triggers/25percentestimate/specifiedcostexample;commentfreshness/grossup/deferral/legalceiling/bankruptcy/aidprogram/actualrateandcalculationnotfreshlyverified.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R018-P1-C047","area_numbers":[18],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R018-P1-C047","Precise claim, trigger, conditions, and exceptions":"Examples must cover each in-school payment option using the actual capitalization method. Permitted deferral assumptions are four undergraduate years plus maximum applicable grace; for other loans, two years plus grace or the program’s shorter maximum; alternatively the full standard program duration plus grace. The alternative is not shortened to an individual student’s remaining enrollment.","Source and pinpoint":"S007, comments 47(a)(4)-3–4. \nConsumer Financial Protection Bureau","Status and limits":"I. No actual enrollment or capitalization facts assumed."},"coordinator_verification_status":"material_original_comment_or_crossreference_unreopened_held","coordinator_review":{"at":"2026-10-29T08:49:29.019966+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"material_original_comment_or_crossreference_unreopened_held","scope":"Somegenericoperativecontextfreshbutmaterialofficialcomment/statute/financecharge/APR/model/history/ESIGN/EDtechnical/pixelpremisesunreopened;originallimitsandcurrentnessremain.Noerrororwholeclaimacceptance. ","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R018-P1-C048","area_numbers":[18],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R018-P1-C048","Precise claim, trigger, conditions, and exceptions":"Application disclosures state applicable age/enrollment criteria concerning the consumer or cosigner and whether rates typically are higher without a cosigner/guarantor. A numerical estimate of the cosigner’s rate effect is not required by that comment.","Source and pinpoint":"S007 §1026.47(a)(1)(iv), (5), comment 47(a)(1)(iv)-1; statutory context S001 §1638(e)(1)(D), (J). \necfr.gov\n+2","Status and limits":"R/I/L. This does not authorize a cosigner requirement under other law or decide creditworthiness."},"coordinator_verification_status":"fresh47_operative_content_checked_comment_pricing_inputs_held","coordinator_review":{"at":"2026-10-29T08:49:29.019966+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"fresh47_operative_content_checked_comment_pricing_inputs_held","scope":"Complete47contentlistfreshsupportsitem/triggers/25percentestimate/specifiedcostexample;commentfreshness/grossup/deferral/legalceiling/bankruptcy/aidprogram/actualrateandcalculationnotfreshlyverified.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R018-P1-C049","area_numbers":[18],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R018-P1-C049","Precise claim, trigger, conditions, and exceptions":"Application alternatives disclosures say the consumer may qualify for Title IV aid, give applicable program rates and fixed/variable status, identify school/ED information and an appropriate ED website, and mention possible school-specific benefits. Where statutory rates vary by application/disbursement date, the commentary calls for the rate current when disclosure is provided.","Source and pinpoint":"S007 §1026.47(a)(6), comments (a)(6)(ii)-1 and (iii)-1. \necfr.gov\n+1","Status and limits":"R/I. No current federal-rate table or actual aid eligibility determination; underlying rate-program cross-references were not independently audited."},"coordinator_verification_status":"fresh47_operative_content_checked_comment_pricing_inputs_held","coordinator_review":{"at":"2026-10-29T08:49:29.019966+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"fresh47_operative_content_checked_comment_pricing_inputs_held","scope":"Complete47contentlistfreshsupportsitem/triggers/25percentestimate/specifiedcostexample;commentfreshness/grossup/deferral/legalceiling/bankruptcy/aidprogram/actualrateandcalculationnotfreshlyverified.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R018-P1-C050","area_numbers":[18],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R018-P1-C050","Precise claim, trigger, conditions, and exceptions":"Application disclosures also explain the 30-day availability/protection of approved terms subject to lawful changes and, when applicable, the requirement to complete self-certification before consummation and obtain the form through the institution.","Source and pinpoint":"S007 §1026.47(a)(7)–(8), general comment 47-1. \necfr.gov\n+1","Status and limits":"R/I. Inapplicable self-certification information may be omitted under the stated comment."},"coordinator_verification_status":"fresh47_operative_content_checked_comment_pricing_inputs_held","coordinator_review":{"at":"2026-10-29T08:49:29.019966+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"fresh47_operative_content_checked_comment_pricing_inputs_held","scope":"Complete47contentlistfreshsupportsitem/triggers/25percentestimate/specifiedcostexample;commentfreshness/grossup/deferral/legalceiling/bankruptcy/aidprogram/actualrateandcalculationnotfreshlyverified.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R018-P1-C051","area_numbers":[18],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R018-P1-C051","Precise claim, trigger, conditions, and exceptions":"Approval and final disclosures incorporate applicable §1026.18 items: creditor identity, amount financed/itemization, finance charge, APR, variable-rate information, payment schedule, total payments, and applicable demand/credit-sale/prepayment/late-charge/security/insurance/debt-cancellation/contract/deposit items. The express APR-disclosure exception is finance charge no more than $5 with amount financed no more than $75, or finance charge no more than $7.50 when amount financed exceeds $75.","Source and pinpoint":"S007 §1026.47(b), (c); S011 §1026.18(a)–(r), especially (e). \necfr.gov\n+1","Status and limits":"R. These APR exceptions are not rate or cost ceilings. Mortgage-only fields are not imported into an excluded secured transaction."},"coordinator_verification_status":"material_original_comment_or_crossreference_unreopened_held","coordinator_review":{"at":"2026-10-29T08:49:29.019966+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"material_original_comment_or_crossreference_unreopened_held","scope":"Somegenericoperativecontextfreshbutmaterialofficialcomment/statute/financecharge/APR/model/history/ESIGN/EDtechnical/pixelpremisesunreopened;originallimitsandcurrentnessremain.Noerrororwholeclaimacceptance. ","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R018-P1-C052","area_numbers":[18],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R018-P1-C052","Precise claim, trigger, conditions, and exceptions":"Approval discloses actual rate, fixed/variable status and adjustment limits, itemized fees/default consequences, and principal equal to the note’s face amount at approval, labeled Total Loan Amount. That amount can differ from amount financed. Itemization can satisfy specified duplicate-placement requirements.","Source and pinpoint":"S007 §1026.47(b)(1)–(3)(i), comments 47(b)(1)-1–3, (b)(2)-1, (b)(3)-1. \nConsumer Financial Protection Bureau","Status and limits":"R/I. No face amount, fee, or APR calculated."},"coordinator_verification_status":"material_original_comment_or_crossreference_unreopened_held","coordinator_review":{"at":"2026-10-29T08:49:29.019966+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"material_original_comment_or_crossreference_unreopened_held","scope":"Somegenericoperativecontextfreshbutmaterialofficialcomment/statute/financecharge/APR/model/history/ESIGN/EDtechnical/pixelpremisesunreopened;originallimitsandcurrentnessremain.Noerrororwholeclaimacceptance. ","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R018-P1-C053","area_numbers":[18],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R018-P1-C053","Precise claim, trigger, conditions, and exceptions":"Approval repayment content includes term; chosen deferral and later options; required in-school payments; unpaid interest that will accrue; bankruptcy caution; and applicable payment schedule. The statute expressly mentions whether monthly payments are graduated; §1026.18(g) supplies the incorporated schedule requirement.","Source and pinpoint":"S001 §1638(e)(2)(G)–(K); S007 §1026.47(b)(3)(ii)–(vi); S011 §1026.18(g). \nuscode.house.gov\n+2","Status and limits":"L/R/I. No actual graduated-payment or repayment schedule assessed."},"coordinator_verification_status":"fresh47_operative_content_checked_comment_pricing_inputs_held","coordinator_review":{"at":"2026-10-29T08:49:29.019966+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"fresh47_operative_content_checked_comment_pricing_inputs_held","scope":"Complete47contentlistfreshsupportsitem/triggers/25percentestimate/specifiedcostexample;commentfreshness/grossup/deferral/legalceiling/bankruptcy/aidprogram/actualrateandcalculationnotfreshlyverified.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R018-P1-C054","area_numbers":[18],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R018-P1-C054","Precise claim, trigger, conditions, and exceptions":"Approval estimates total repayment at the actual approval rate and at the maximum contractual rate, or, absent a contractual maximum, an applicable legal ceiling. If no maximum can be determined, the prescribed assumption is 25%, with the required no-maximum/estimate warning.","Source and pinpoint":"S007 §1026.47(b)(3)(vii), comment 47(b)(3)-6. \nConsumer Financial Protection Bureau","Status and limits":"R/I. 25% is not a universal lawful cap or actual rate. State/federal ceiling applicability is unresolved."},"coordinator_verification_status":"fresh47_operative_content_checked_comment_pricing_inputs_held","coordinator_review":{"at":"2026-10-29T08:49:29.019966+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"fresh47_operative_content_checked_comment_pricing_inputs_held","scope":"Complete47contentlistfreshsupportsitem/triggers/25percentestimate/specifiedcostexample;commentfreshness/grossup/deferral/legalceiling/bankruptcy/aidprogram/actualrateandcalculationnotfreshlyverified.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R018-P1-C055","area_numbers":[18],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R018-P1-C055","Precise claim, trigger, conditions, and exceptions":"Approval also gives maximum monthly payment using the prescribed maximum-rate approach or 25% assumption. The commentary permits reflecting contractual incremental rate-increase limits in the calculation; the no-maximum estimate warning remains required where applicable. A separate §1026.18(f)(1)(iv) variable-payment example is unnecessary because this education-loan disclosure supplies the specified maximum-payment information.","Source and pinpoint":"S007 §1026.47(b)(3)(viii), comments 47(b)(3)-6(iii), -7 and 47(b)(1)-1. \nConsumer Financial Protection Bureau","Status and limits":"R/I. No calculation or lawful-price certification."},"coordinator_verification_status":"material_original_comment_or_crossreference_unreopened_held","coordinator_review":{"at":"2026-10-29T08:49:29.019966+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"material_original_comment_or_crossreference_unreopened_held","scope":"Somegenericoperativecontextfreshbutmaterialofficialcomment/statute/financecharge/APR/model/history/ESIGN/EDtechnical/pixelpremisesunreopened;originallimitsandcurrentnessremain.Noerrororwholeclaimacceptance. ","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R018-P1-C056","area_numbers":[18],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R018-P1-C056","Precise claim, trigger, conditions, and exceptions":"Approval repeats the specified federal-aid possibility, rates, and information-source disclosures. The general “as applicable” comment allows omission of federal-alternative disclosures for private-loan consolidation and optional post-graduation transactions where inapplicable.","Source and pinpoint":"S007 §1026.47(b)(4), comments 47-1 and 47(b)(4)-1. \nConsumer Financial Protection Bureau\n+1","Status and limits":"R/I. No actual federal-aid availability finding."},"coordinator_verification_status":"material_original_comment_or_crossreference_unreopened_held","coordinator_review":{"at":"2026-10-29T08:49:29.019966+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"material_original_comment_or_crossreference_unreopened_held","scope":"Somegenericoperativecontextfreshbutmaterialofficialcomment/statute/financecharge/APR/model/history/ESIGN/EDtechnical/pixelpremisesunreopened;originallimitsandcurrentnessremain.Noerrororwholeclaimacceptance. ","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R018-P1-C057","area_numbers":[18],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R018-P1-C057","Precise claim, trigger, conditions, and exceptions":"Approval must identify the specific acceptance-expiration date based on receipt, any longer period actually offered, permitted acceptance methods, and protection of terms subject to permitted changes.","Source and pinpoint":"S007 §1026.47(b)(5), comment 47(b)(5)-1. \nConsumer Financial Protection Bureau","Status and limits":"R/I. A printed date is not proof that it was correctly calculated."},"coordinator_verification_status":"fresh47_operative_content_checked_comment_pricing_inputs_held","coordinator_review":{"at":"2026-10-29T08:49:29.019966+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"fresh47_operative_content_checked_comment_pricing_inputs_held","scope":"Complete47contentlistfreshsupportsitem/triggers/25percentestimate/specifiedcostexample;commentfreshness/grossup/deferral/legalceiling/bankruptcy/aidprogram/actualrateandcalculationnotfreshlyverified.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R018-P1-C058","area_numbers":[18],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R018-P1-C058","Precise claim, trigger, conditions, and exceptions":"Final content repeats applicable §1026.18 and §1026.47(b)(1)–(3) information and adds the cancellation notice. It does not repeat §1026.47(b)(4)’s federal-alternative or (b)(5)’s acceptance notice as final-stage requirements. The 2009 rule expressly addresses the statutory final-stage federal-aid wording and adopts the regulatory exception.","Source and pinpoint":"S007 §1026.47(c); S001 §1638(e)(4); S005 §1604; S024, 74 FR 41221–41222, PDF 27–28. \necfr.gov\n+2","Status and limits":"L/R/H. Statutory and regulatory content lists are not silently conflated."},"coordinator_verification_status":"fresh_statutory_regulatory_wording_distinguished_historical_implementation_held","coordinator_review":{"at":"2026-10-29T08:49:29.019966+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"fresh_statutory_regulatory_wording_distinguished_historical_implementation_held","scope":"Complete1638eand47c/48doperatewithdifferentconsummationversusacceptance/receiptevents/content;2009implementationpreambleunreopened,stateconsummationheld.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R018-P1-C059","area_numbers":[18],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R018-P1-C059","Precise claim, trigger, conditions, and exceptions":"All Subpart F disclosures must be clear and conspicuous. Approval/final disclosures must be written and retainable, grouped and segregated, with only directly related information. Specified acknowledgments/date/consumer information are allowed; creditor identity, insurance/debt cancellation, and certain security-interest charges may appear separately.","Source and pinpoint":"S006 §1026.46(c)(1)–(2), comment 46(c)-1; S011 §1026.17(a). \necfr.gov","Status and limits":"R/I. Text availability does not establish actual presentation compliance."},"coordinator_verification_status":"fresh_complete46_operative_and_stage_context_checked_comment_ESIGN_application_held","coordinator_review":{"at":"2026-10-29T08:49:29.019966+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"fresh_complete46_operative_and_stage_context_checked_comment_ESIGN_application_held","scope":"46a–goperativeand47cnoticefresh;timing/primaryrecipient/retainability/segregation/applicationE-Signexception/estimates/subsequenteventslimitschecked;officialcommentextensions/ESIGNconditions/actualpixels/roles/consentnotfreshlyverified.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R018-P1-C060","area_numbers":[18],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R018-P1-C060","Precise claim, trigger, conditions, and exceptions":"The finance-charge term and amount and the interest rate receive special prominence, except for creditor identity. The final cancellation notice must be more conspicuous than other required disclosures except those specified items. For private education loans, APR is less conspicuous than finance charge, interest rate, and the cancellation notice.","Source and pinpoint":"S006 §1026.46(c)(2)(iii); S007 §1026.47(c)(4), comment 47(c)-2; S011 §1026.17(a)(2). \necfr.gov\n+2","Status and limits":"R/I. No universal mandatory 10-point Helvetica rule is inferred."},"coordinator_verification_status":"fresh_complete46_operative_and_stage_context_checked_comment_ESIGN_application_held","coordinator_review":{"at":"2026-10-29T08:49:29.019966+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"fresh_complete46_operative_and_stage_context_checked_comment_ESIGN_application_held","scope":"46a–goperativeand47cnoticefresh;timing/primaryrecipient/retainability/segregation/applicationE-Signexception/estimates/subsequenteventslimitschecked;officialcommentextensions/ESIGNconditions/actualpixels/roles/consentnotfreshlyverified.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R018-P1-C061","area_numbers":[18],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R018-P1-C061","Precise claim, trigger, conditions, and exceptions":"Disclosures reflect the legal obligation. Unknown information is disclosed using the best information reasonably available and clearly identified as an estimate. This does not authorize inventing zero aid, a ceiling, or a known price.","Source and pinpoint":"S006 §1026.46(e). \necfr.gov","Status and limits":"R; last sentence INF. Actual data and pricing rules remain held."},"coordinator_verification_status":"fresh_complete46_operative_and_stage_context_checked_comment_ESIGN_application_held","coordinator_review":{"at":"2026-10-29T08:49:29.019966+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"fresh_complete46_operative_and_stage_context_checked_comment_ESIGN_application_held","scope":"46a–goperativeand47cnoticefresh;timing/primaryrecipient/retainability/segregation/applicationE-Signexception/estimates/subsequenteventslimitschecked;officialcommentextensions/ESIGNconditions/actualpixels/roles/consentnotfreshlyverified.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R018-P1-C062","area_numbers":[18],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R018-P1-C062","Precise claim, trigger, conditions, and exceptions":"A later event making an approval/final disclosure inaccurate is not itself a Regulation Z violation under §1026.46(g). This does not authorize a prohibited term change. Final disclosures remain required, and §1026.48(c)(4) can require new approval disclosures. The ordinary §1026.17(f) change rule is not substituted for the education-loan scheme.","Source and pinpoint":"S006 §1026.46(g), comments 1–2; S011 §1026.17(f). \necfr.gov\n+2","Status and limits":"R/I. No actual inaccuracy or violation determined."},"coordinator_verification_status":"fresh_complete46_operative_and_stage_context_checked_comment_ESIGN_application_held","coordinator_review":{"at":"2026-10-29T08:49:29.019966+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"fresh_complete46_operative_and_stage_context_checked_comment_ESIGN_application_held","scope":"46a–goperativeand47cnoticefresh;timing/primaryrecipient/retainability/segregation/applicationE-Signexception/estimates/subsequenteventslimitschecked;officialcommentextensions/ESIGNconditions/actualpixels/roles/consentnotfreshlyverified.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R018-P1-C063","area_numbers":[18],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R018-P1-C063","Precise claim, trigger, conditions, and exceptions":"Multiple creditors select which will provide one complete set at each stage. With multiple consumers, delivery may be to any primarily liable consumer. Guarantors, endorsers, and sureties are not generally consumers under the ordinary definition; their status must not be assumed from “cosigner” alone.","Source and pinpoint":"S006 §1026.46(f); S010 §1026.2(a)(11), comment 1; S011 §1026.17(d), comments. \necfr.gov\n+2","Status and limits":"R/I. No universal separate-copy obligation to every cosigner established here; other-law duties and liability/release remain held."},"coordinator_verification_status":"fresh_complete46_operative_and_stage_context_checked_comment_ESIGN_application_held","coordinator_review":{"at":"2026-10-29T08:49:29.019966+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"fresh_complete46_operative_and_stage_context_checked_comment_ESIGN_application_held","scope":"46a–goperativeand47cnoticefresh;timing/primaryrecipient/retainability/segregation/applicationE-Signexception/estimates/subsequenteventslimitschecked;officialcommentextensions/ESIGNconditions/actualpixels/roles/consentnotfreshlyverified.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R018-P1-C064","area_numbers":[18],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R018-P1-C064","Precise claim, trigger, conditions, and exceptions":"Application disclosures may accompany an electronically accessed application/solicitation without the E-Sign consent provisions. They qualify as “on or with” if automatically displayed; on the same page with a conspicuous location/cost-information reference; or linked so submission cannot bypass them.","Source and pinpoint":"S006 §1026.46(c)(3), comment 46(c)(3)-1(i)–(iii). \necfr.gov\n+1","Status and limits":"R/I. This special exception is not extended to approval/final disclosures."},"coordinator_verification_status":"fresh_complete46_operative_and_stage_context_checked_comment_ESIGN_application_held","coordinator_review":{"at":"2026-10-29T08:49:29.019966+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"fresh_complete46_operative_and_stage_context_checked_comment_ESIGN_application_held","scope":"46a–goperativeand47cnoticefresh;timing/primaryrecipient/retainability/segregation/applicationE-Signexception/estimates/subsequenteventslimitschecked;officialcommentextensions/ESIGNconditions/actualpixels/roles/consentnotfreshlyverified.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R018-P1-C065","area_numbers":[18],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R018-P1-C065","Precise claim, trigger, conditions, and exceptions":"Electronic approval/final disclosure is subject to applicable E-Sign requirements: affirmative consent not withdrawn; prior clear disclosures of paper options, withdrawal conditions/consequences, scope, procedures/contact updates and paper-copy options/fees; hardware/software requirements; and electronic consent or confirmation reasonably demonstrating access to the form used. Material access-risk changes trigger additional information/consent requirements.","Source and pinpoint":"S006 §1026.46(c)(3); S021, 15 U.S.C. §7001(c)(1)(A)–(D). \necfr.gov\n+1","Status and limits":"L/R. Mere possession of an email address or agreement to loan terms is not established proof of these conditions."},"coordinator_verification_status":"fresh_complete46_operative_and_stage_context_checked_comment_ESIGN_application_held","coordinator_review":{"at":"2026-10-29T08:49:29.019966+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"fresh_complete46_operative_and_stage_context_checked_comment_ESIGN_application_held","scope":"46a–goperativeand47cnoticefresh;timing/primaryrecipient/retainability/segregation/applicationE-Signexception/estimates/subsequenteventslimitschecked;officialcommentextensions/ESIGNconditions/actualpixels/roles/consentnotfreshlyverified.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R018-P1-C066","area_numbers":[18],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R018-P1-C066","Precise claim, trigger, conditions, and exceptions":"E-Sign preserves applicable substantive/timing obligations. An oral recording does not by itself satisfy the consumer-writing provision; electronic-consent defects do not, solely for that reason, automatically invalidate the contract under §7001(c)(3). Retention/accessibility provisions also matter.","Source and pinpoint":"S021 §7001(b), (c)(2)–(6), (d)–(e). \nuscode.house.gov\n+1","Status and limits":"L. No contract-validity or evidentiary ruling."},"coordinator_verification_status":"material_original_comment_or_crossreference_unreopened_held","coordinator_review":{"at":"2026-10-29T08:49:29.019966+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"material_original_comment_or_crossreference_unreopened_held","scope":"Somegenericoperativecontextfreshbutmaterialofficialcomment/statute/financecharge/APR/model/history/ESIGN/EDtechnical/pixelpremisesunreopened;originallimitsandcurrentnessremain.Noerrororwholeclaimacceptance. ","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R018-P1-C067","area_numbers":[18],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R018-P1-C067","Precise claim, trigger, conditions, and exceptions":"Section 1026.46(d)(4) supplies a mailed-disclosure receipt rule. No automatic three-day electronic-receipt presumption appears in that provision. Actual electronic delivery, access, consent, and receipt evidence remain necessary unresolved categories.","Source and pinpoint":"S006 §1026.46(d)(4); S021 §7001. \necfr.gov\n+1","Status and limits":"R/INF/U. No electronic timestamp or actual receipt inferred."},"coordinator_verification_status":"fresh_complete46_operative_and_stage_context_checked_comment_ESIGN_application_held","coordinator_review":{"at":"2026-10-29T08:49:29.019966+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"fresh_complete46_operative_and_stage_context_checked_comment_ESIGN_application_held","scope":"46a–goperativeand47cnoticefresh;timing/primaryrecipient/retainability/segregation/applicationE-Signexception/estimates/subsequenteventslimitschecked;officialcommentextensions/ESIGNconditions/actualpixels/roles/consentnotfreshlyverified.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R018-P1-C068","area_numbers":[18],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R018-P1-C068","Precise claim, trigger, conditions, and exceptions":"For a covered private loan intended for expenses while a student attends an IHE, the creditor must obtain the consumer/applicant-signed ED self-certification form before consummation, in written or permitted electronic form.","Source and pinpoint":"S001 §1638(e)(3)(A); S008 §1026.48(e); S018 §1019d(a). \nuscode.house.gov\n+2","Status and limits":"L/R. Actual form, signature, and consummation are held."},"coordinator_verification_status":"fresh_selfcert_statute_regulation_checked_attendance_comment_application_held","coordinator_review":{"at":"2026-10-29T08:49:29.019966+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"fresh_selfcert_statute_regulation_checked_attendance_comment_application_held","scope":"1638e3and48ebeforeconsummation/applicantsignature/formcollectionread;narrowattendancescopefromtextwithcommentoriginalunreopened,noactualIHE/eligibility/accuracypresumption.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R018-P1-C069","area_numbers":[18],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R018-P1-C069","Precise claim, trigger, conditions, and exceptions":"The self-certification requirement is not coextensive with every covered institution. It applies to current or intended future IHE attendance; it does not apply where the loan is not intended for such attendance, such as post-graduation consolidation described in the comment.","Source and pinpoint":"S008, comment 48(e)-1; S007, general comment 47-1. \nConsumer Financial Protection Bureau\n+1","Status and limits":"I. No actual institution/attendance conclusion."},"coordinator_verification_status":"fresh_selfcert_statute_regulation_checked_attendance_comment_application_held","coordinator_review":{"at":"2026-10-29T08:49:29.019966+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"fresh_selfcert_statute_regulation_checked_attendance_comment_application_held","scope":"1638e3and48ebeforeconsummation/applicantsignature/formcollectionread;narrowattendancescopefromtextwithcommentoriginalunreopened,noactualIHE/eligibility/accuracypresumption.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R018-P1-C070","area_numbers":[18],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R018-P1-C070","Precise claim, trigger, conditions, and exceptions":"Section 1638(e)(3)(B) limits the additional duty under that paragraph to collecting the required form. Obtaining a signed form is not proof of actual aid eligibility, lawful price, school eligibility, or accuracy of every underlying fact.","Source and pinpoint":"S001 §1638(e)(3)(B); S008 comment 48(e)-1. \nuscode.house.gov\n+1","Status and limits":"L/I; evidentiary distinction INF. Not a general exemption from other law."},"coordinator_verification_status":"fresh_selfcert_statute_regulation_checked_attendance_comment_application_held","coordinator_review":{"at":"2026-10-29T08:49:29.019966+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"fresh_selfcert_statute_regulation_checked_attendance_comment_application_held","scope":"1638e3and48ebeforeconsummation/applicantsignature/formcollectionread;narrowattendancescopefromtextwithcommentoriginalunreopened,noactualIHE/eligibility/accuracypresumption.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R018-P1-C071","area_numbers":[18],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R018-P1-C071","Precise claim, trigger, conditions, and exceptions":"Participating institutions have request-based duties to provide the form and required information to the extent possessed; ED regulations address admitted/enrolled students and discussion of federal, state, and institutional aid upon request.","Source and pinpoint":"S019 §1094(a)(28); S020 §§601.11(d), 668.14(b)(29); S018 §1019d(a)(2). \nuscode.house.gov\n+2","Status and limits":"L/R. No school contact, record request, or aid determination."},"coordinator_verification_status":"material_original_comment_or_crossreference_unreopened_held","coordinator_review":{"at":"2026-10-29T08:49:29.019966+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"material_original_comment_or_crossreference_unreopened_held","scope":"Somegenericoperativecontextfreshbutmaterialofficialcomment/statute/financecharge/APR/model/history/ESIGN/EDtechnical/pixelpremisesunreopened;originallimitsandcurrentnessremain.Noerrororwholeclaimacceptance. ","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R018-P1-C072","area_numbers":[18],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R018-P1-C072","Precise claim, trigger, conditions, and exceptions":"The form uses estimated COA and estimated financial assistance for the same covered period, with the difference C = A − B, plus aid-related notices and applicant certification/signature. A warning that borrowing above the difference may reduce aid is not a universal loan cap or actual eligibility finding.","Source and pinpoint":"S018 §1019d(a)(3)–(5); S029 sections 1–5, document pp. 1–2/PDF 0–1; S031 self-certification discussion. \nuscode.house.gov\n+2","Status and limits":"L/G/INF. No amount entered or calculation performed."},"coordinator_verification_status":"fresh_symbolic_form_elements_and_instructions_checked_amounts_held","coordinator_review":{"at":"2026-10-29T08:49:29.019966+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"fresh_symbolic_form_elements_and_instructions_checked_amounts_held","scope":"FormC=A-Band1019d/HandbookOFA/SAIsameperiodread;noaid/COAamountorloanlimitinvented.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R018-P1-C073","area_numbers":[18],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R018-P1-C073","Precise claim, trigger, conditions, and exceptions":"The creditor may supply the form and information and receive the signed form directly or through the institution. Institutional certification does not replace the applicant’s required signed form. Electronic signatures are valid under this comment if they meet ED’s issued requirements.","Source and pinpoint":"S008, comments 48(e)-1–2. \nConsumer Financial Protection Bureau","Status and limits":"I/U. The specific ED electronic-signature technical requirements referenced by the comment were not located/read."},"coordinator_verification_status":"material_original_comment_or_crossreference_unreopened_held","coordinator_review":{"at":"2026-10-29T08:49:29.019966+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"material_original_comment_or_crossreference_unreopened_held","scope":"Somegenericoperativecontextfreshbutmaterialofficialcomment/statute/financecharge/APR/model/history/ESIGN/EDtechnical/pixelpremisesunreopened;originallimitsandcurrentnessremain.Noerrororwholeclaimacceptance. ","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R018-P1-C074","area_numbers":[18],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R018-P1-C074","Precise claim, trigger, conditions, and exceptions":"The official currently linked blank PDF located in this investigation is the 2023 form; its parsed text prints expiration August 31, 2025 and uses older expected-family-contribution language. Its introduction refers to obtaining the form before disbursement. None of that changes the statutory/regulatory before-consummation requirement or proves current OMB approval.","Source and pinpoint":"S029 pp. 1–2/PDF 0–1; S030; S031; S001 §1638(e)(3); S018 current wording. \nfsapartners.ed.gov\n+3","Status and limits":"G/U. No newer blank form or current approval status verified. Printed expiry does not repeal the statutory duty."},"coordinator_verification_status":"fresh_ED_form_printed_version_checked_current_link_OMB_unverified","coordinator_review":{"at":"2026-10-29T08:49:29.019966+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"fresh_ED_form_printed_version_checked_current_link_OMB_unverified","scope":"2023literalPDFstillprints2025expiry/EFCandbefore-disbursement;resourcecurrentlinkstatusandreapprovalnotrefreshedoraccepted;statutorypreconsummationdoesnotchange.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R018-P1-C075","area_numbers":[18],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R018-P1-C075","Precise claim, trigger, conditions, and exceptions":"The 2026–27 FSA Handbook explains the form’s information and printing/presentation requirements, including black ink/white paper and limited changes to the approved presentation. It uses current other-financial-assistance/SAI concepts and excludes the loan being certified from the assistance amount used for this purpose.","Source and pinpoint":"S031, “Private Education Loans”/self-certification discussion, read bounds stated in source table. \n2026-2027 Federal Student Aid Handbook\n+1","Status and limits":"G. Handbook instructions are not a replacement statute or proof that the linked PDF has a current OMB approval."},"coordinator_verification_status":"fresh_selected_handbook_OFA_printing_instructions_checked","coordinator_review":{"at":"2026-10-29T08:49:29.019966+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"fresh_selected_handbook_OFA_printing_instructions_checked","scope":"Selected2026–27guidanceusesSAI/OFA/excludesloanbeingcertified/blackwhite/presentationrestrictions;notstatute/fullapprovedformpixelorOMBstatusfinding.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R018-P1-C076","area_numbers":[18],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R018-P1-C076","Precise claim, trigger, conditions, and exceptions":"Use of H-series model disclosures is optional. Statutory safe harbor depends on a model accurately reflecting the lender’s practices; the official Appendix instructions govern permissible use/modification. Model use does not establish compliance with timing, recipient, consent, classification, or disbursement duties.","Source and pinpoint":"S001 §1638(e)(5)(C); S026, Appendix H comment 25 and G/H commentary. \nuscode.house.gov\n+2","Status and limits":"L/I/INF. No actual form receives safe-harbor certification."},"coordinator_verification_status":"material_original_comment_or_crossreference_unreopened_held","coordinator_review":{"at":"2026-10-29T08:49:29.019966+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"material_original_comment_or_crossreference_unreopened_held","scope":"Somegenericoperativecontextfreshbutmaterialofficialcomment/statute/financecharge/APR/model/history/ESIGN/EDtechnical/pixelpremisesunreopened;originallimitsandcurrentnessremain.Noerrororwholeclaimacceptance. ","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R018-P1-C077","area_numbers":[18],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R018-P1-C077","Precise claim, trigger, conditions, and exceptions":"H-18–H-23 instructions restrict reordering headings, grouped disclosures, and sequencing. They allow specified inapplicable deletions, contact/date information, limited combinations and wording changes, appropriate page sizes, continuation references for two-sided presentation, and substantially similar readable design. Ten-point Helvetica is encouraged/model practice, not a universal mandatory font.","Source and pinpoint":"S026, Appendix H comment 25(i)–(vi); general G/H comment 1’s special exception for these forms. \nConsumer Financial Protection Bureau\n+1","Status and limits":"I. Permitted changes remain conditional; no actual layout inspected."},"coordinator_verification_status":"material_original_comment_or_crossreference_unreopened_held","coordinator_review":{"at":"2026-10-29T08:49:29.019966+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"material_original_comment_or_crossreference_unreopened_held","scope":"Somegenericoperativecontextfreshbutmaterialofficialcomment/statute/financecharge/APR/model/history/ESIGN/EDtechnical/pixelpremisesunreopened;originallimitsandcurrentnessremain.Noerrororwholeclaimacceptance. ","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R018-P1-C078","area_numbers":[18],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R018-P1-C078","Precise claim, trigger, conditions, and exceptions":"H-18, H-19, H-20 and H-21, H-22, H-23 were read as parsed text across both PDF pages. The ED form was likewise parsed across both pages. Attempts to view the H-18–H-20 and ED-form pages returned noninspectable placeholders, not usable pixels.","Source and pinpoint":"S027–S029; Appendix placeholders S026. \nfederalreserve.gov\n+6","Status and limits":"U, access finding. Parsed text is not visual verification. No full-form/layout compliance certified."},"coordinator_verification_status":"material_original_comment_or_crossreference_unreopened_held","coordinator_review":{"at":"2026-10-29T08:49:29.019966+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"material_original_comment_or_crossreference_unreopened_held","scope":"Somegenericoperativecontextfreshbutmaterialofficialcomment/statute/financecharge/APR/model/history/ESIGN/EDtechnical/pixelpremisesunreopened;originallimitsandcurrentnessremain.Noerrororwholeclaimacceptance. ","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R018-P1-C079","area_numbers":[18],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R018-P1-C079","Precise claim, trigger, conditions, and exceptions":"Archived H-23 parsed text presents a no-maximum/25%-assumption statement on PDF page 0 but a statement that the rate will never exceed 25% on page 1. Without pixels and reconciliation, that artifact cannot establish a real contractual cap or current model compliance. Historical sample federal rates, programs, and benchmark references are not current pricing evidence.","Source and pinpoint":"S028, H-23 pp. 1–2/PDF 0–1, especially page-1 extraction line 112; S007 §1026.47(b)(3). \nfederalreserve.gov\n+1","Status and limits":"U/INF. Apparent parsed-text inconsistency is reported, not adjudicated as a defect in current operative Appendix H."},"coordinator_verification_status":"material_original_comment_or_crossreference_unreopened_held","coordinator_review":{"at":"2026-10-29T08:49:29.019966+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"material_original_comment_or_crossreference_unreopened_held","scope":"Somegenericoperativecontextfreshbutmaterialofficialcomment/statute/financecharge/APR/model/history/ESIGN/EDtechnical/pixelpremisesunreopened;originallimitsandcurrentnessremain.Noerrororwholeclaimacceptance. ","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R018-P1-C080","area_numbers":[18],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R018-P1-C080","Precise claim, trigger, conditions, and exceptions":"A creditor other than the institution itself may not use school branding in a way implying endorsement. The rule provides specified equally prominent/proximate nonendorsement disclosures and a separate otherwise-lawful actual-endorsement arrangement route identifying the creditor as lender. Marketing includes transaction documents; commentary addresses creditor-name and authorized state-seal situations.","Source and pinpoint":"S008 §1026.48(a)–(b), comments 1–3. \necfr.gov\n+1","Status and limits":"R/I. No actual branding, endorsement, conflict-of-interest, or broader HEA compliance audit."},"coordinator_verification_status":"fresh48_branding_preferred_lender_operative_checked_comments_HEA_held","coordinator_review":{"at":"2026-10-29T08:49:29.019966+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"fresh48_branding_preferred_lender_operative_checked_comments_HEA_held","scope":"48a/b/foperativeconditions/proximity/annualperiodtimingfresh;notcompleteHEAarrangementdefinitions/actualbranding/lenderrosterorcommentdetailacceptance.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R018-P1-C081","area_numbers":[18],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R018-P1-C081","Precise claim, trigger, conditions, and exceptions":"A creditor aware it is party to a preferred-lender arrangement must provide the institution §1026.47(a)(1)–(5) information for each planned loan type for the next July–June period, annually by the later of April 1 or 30 days after entering/learning of the arrangement. Format is flexible under the comment.","Source and pinpoint":"S008 §1026.48(f), comment 48(f)-1; S017 §1019(8); S001 §1638(e)(11). \necfr.gov\n+2","Status and limits":"L/R/I. No preferred-lender list or arrangement searched."},"coordinator_verification_status":"fresh48_branding_preferred_lender_operative_checked_comments_HEA_held","coordinator_review":{"at":"2026-10-29T08:49:29.019966+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"fresh48_branding_preferred_lender_operative_checked_comments_HEA_held","scope":"48a/b/foperativeconditions/proximity/annualperiodtimingfresh;notcompleteHEAarrangementdefinitions/actualbranding/lenderrosterorcommentdetailacceptance.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R018-P1-C082","area_numbers":[18],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R018-P1-C082","Precise claim, trigger, conditions, and exceptions":"The 2008 enactment and its delayed-effect provisions must be distinguished from the 2009 regulation: final rule effective September 14, 2009; compliance optional until February 14, 2010. Mandatory loan application trigger was receipt on/after February 14, 2010; co-branding trigger was marketing on/after that date. Earlier applications could use specified optional disclosure stages, but applicable timing, acceptance/cancellation, and self-certification conditions accompanied that election.","Source and pinpoint":"S001 effective-date notes; S024, 74 FR 41194 and 41248, PDF 0 and 54, comments 1(d)(6)-1–2. \nuscode.house.gov\n+2","Status and limits":"H/L notes. Not retroactive treatment of an unidentified old loan."},"coordinator_verification_status":"fresh_statutory_effective_notes_only_transition_final_rule_unreopened","coordinator_review":{"at":"2026-10-29T08:49:29.019966+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"fresh_statutory_effective_notes_only_transition_final_rule_unreopened","scope":"1638e2008notesread;exact2009finalruleapplication/marketingoptionaltransitionandcompletehistoryremainoriginalattribution/unreopened.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R018-P1-C083","area_numbers":[18],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R018-P1-C083","Precise claim, trigger, conditions, and exceptions":"CFPB’s 2011 interim final rule republished Regulation Z as part 1026, effective December 30, 2011, with stated technical/conforming treatment rather than a substantive rewrite of these provisions.","Source and pinpoint":"S025, 76 FR 79768–79769, dates and introductory discussion. \nfederalregister.gov\n+2","Status and limits":"H, interim final rule. The entire lengthy republication PDF was not read."},"coordinator_verification_status":"material_original_comment_or_crossreference_unreopened_held","coordinator_review":{"at":"2026-10-29T08:49:29.019966+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"material_original_comment_or_crossreference_unreopened_held","scope":"Somegenericoperativecontextfreshbutmaterialofficialcomment/statute/financecharge/APR/model/history/ESIGN/EDtechnical/pixelpremisesunreopened;originallimitsandcurrentnessremain.Noerrororwholeclaimacceptance. ","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R018-P1-C084","area_numbers":[18],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R018-P1-C084","Precise claim, trigger, conditions, and exceptions":"Current HEA cross-references use amended COA and Student Aid Index terminology. Relevant statutory notes identify July 1, 2024/2024–25 award-year implementation, with authorized earlier implementation of specified COA provisions on or after July 1, 2023.","Source and pinpoint":"S016 §1087ll and notes; S018 §1019d and notes. \nuscode.house.gov\n+1","Status and limits":"L notes. No complete session-law implementation audit or award calculation."},"coordinator_verification_status":"fresh_selected_current_COA_SAI_notes_checked_full_implementation_held","coordinator_review":{"at":"2026-10-29T08:49:29.019966+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"fresh_selected_current_COA_SAI_notes_checked_full_implementation_held","scope":"CurrentSAIreplacementandCOA2024/2023notesread;notwholeimplementation/sessionlaw/awardyearapplicationaudit.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R018-P1-C085","area_numbers":[18],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R018-P1-C085","Precise claim, trigger, conditions, and exceptions":"The CFPB’s December 2020 private-education-loan advisory opinion at 85 FR 79400 is listed as withdrawn effective May 12, 2025 in the official withdrawal materials. It is not used as operative authority here. Withdrawal does not repeal TILA or the separately published current regulation/official interpretations.","Source and pinpoint":"S032 relevant register entry; S033, 90 FR 20084–20087, dates and Part III advisory-opinion item 13, PDF 0 and 2. \nConsumer Financial Protection Bureau\n+2","Status and limits":"Withdrawn guidance; distinction L/R versus G. No other CFPB circular/bulletin/advisory is used as operative law."},"coordinator_verification_status":"dated_positive_advisory_withdrawal_entry_only_publication_unreopened","coordinator_review":{"at":"2026-10-29T08:49:29.019966+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"dated_positive_advisory_withdrawal_entry_only_publication_unreopened","scope":"ExactR003genericregisterL54–56datedreuse;withdrawalMay12,2025positiveentry,notfull90FRpublicationfreshoroperativeadvisory.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R018-P1-C086","area_numbers":[18],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R018-P1-C086","Precise claim, trigger, conditions, and exceptions":"The accessed House pages report compilation through specified October 2026 public laws; eCFR Title 12/34 pages report their own October 23 currency. Those labels establish the retrieved version, not a complete annual-CFR, session-law, judicial-history, stay/vacatur, or later-amendment audit.","Source and pinpoint":"S001–S025 version fields; S009 eCFR status statement. \nuscode.house.gov\n+2","Status and limits":"U/currentness limit. No proposed/future rule, repealed text, or withdrawn guidance is substituted for the operative bodies read; unexamined later history remains unknown."},"coordinator_verification_status":"dated_compilation_currency_limit_preserved_not_all_later_authority","coordinator_review":{"at":"2026-10-29T08:49:29.019966+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"dated_compilation_currency_limit_preserved_not_all_later_authority","scope":"eCFR10/23displayfresh;otheroriginalpageboundarynotesnotallfreshheaders;noannual/sessionlaw/citator/stay/currentnesscertificate.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}}],"sources":[{"source_id":"R018-P1-S001","urls":["https://uscode.house.gov/us/usc/119-118/t15/s1638/","https://uscode.house.gov/us/usc/119-118/t15/s1638/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"R018-P1-S001","Issuer, title, and complete literal HTTPS URL(s)":"US House OLRC, 15 U.S.C. §1638 — Transactions other than under an open end credit plan. https://uscode.house.gov/us/usc/119-118/t15/s1638/","Exact body read / printed page / PDF index":"Complete necessary §1638(e)(1)–(11); relevant subsection (a) disclosures and effective-date notes. HTML","Version, effective predicate, and read/currentness limit":"U120, despite older number in URL. Fresh body read; internal reuse. 2008 enactment/delayed-effect notes distinguished from 2009 rule dates. Not every unrelated mortgage clause/history audited"},"coordinator_verification_status":"fresh_complete1638e_checked_selected_effective_notes","coordinator_review":{"at":"2026-10-29T08:49:29.019966+00:00","identity":"delegated coordinator /root/review_wv1; not independent","source_check":"[internal evidence reference]","disposition":"fresh_complete1638e_checked_selected_effective_notes","scope":"Completee1–11/read111–253andselected2008notes330–333;othera/2009implementationpreamble/allhistoryunreopened.","selected_evidence_keys":["1638e_early","1638e_tail","1638_effective_date_notes"],"all_original_limits_retained":true}},{"source_id":"R018-P1-S002","urls":["https://uscode.house.gov/us/usc/119-120/t15/s1650/","https://uscode.house.gov/us/usc/119-120/t15/s1650/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"R018-P1-S002","Issuer, title, and complete literal HTTPS URL(s)":"US House OLRC, 15 U.S.C. §1650 — Preventing unfair and deceptive private educational lending practices and eliminating conflicts of interest. https://uscode.house.gov/us/usc/119-120/t15/s1650/","Exact body read / printed page / PDF index":"Entire (a)–(g) body and relevant notes read; reliance focuses on (a)(1)–(8) and (e). HTML","Version, effective predicate, and read/currentness limit":"U120. Other conflict/cosigner provisions were not developed into a complete component; later cosigner applicability remains held"},"coordinator_verification_status":"fresh_selected1650_lender_loan_prepayment_checked","coordinator_review":{"at":"2026-10-29T08:49:29.019966+00:00","identity":"delegated coordinator /root/review_wv1; not independent","source_check":"[internal evidence reference]","disposition":"fresh_selected1650_lender_loan_prepayment_checked","scope":"a7–8andeprepaymentselected;notwholea–g/charter/actualcosignerregimeor2018applicationdecision.","selected_evidence_keys":["1650_private_lender_loan_definitions_and_prepayment"],"all_original_limits_retained":true}},{"source_id":"R018-P1-S003","urls":["https://uscode.house.gov/us/usc/119-121/t15/s1602/","https://uscode.house.gov/us/usc/119-121/t15/s1602/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"R018-P1-S003","Issuer, title, and complete literal HTTPS URL(s)":"US House OLRC, 15 U.S.C. §1602 — Definitions and rules of construction. https://uscode.house.gov/us/usc/119-121/t15/s1602/","Exact body read / printed page / PDF index":"Relevant definitions (d)–(j), especially (g) creditor, (h) consumer, (i) open-end. HTML","Version, effective predicate, and read/currentness limit":"U121. Selected necessary body; not all definitions or historical amendments"},"coordinator_verification_status":"original_attribution_unreopened_all_limits_retained","coordinator_review":{"at":"2026-10-29T08:49:29.019966+00:00","identity":"delegated coordinator /root/review_wv1; not independent","source_check":"[internal evidence reference]","disposition":"original_attribution_unreopened_all_limits_retained","scope":"Originalresearcherbody/statusrecordretained;nofreshmaterialbodyorversionacceptance. 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No current annual amount threshold computed because private education loans are excepted from that amount exemption"},"coordinator_verification_status":"original_attribution_unreopened_all_limits_retained","coordinator_review":{"at":"2026-10-29T08:49:29.019966+00:00","identity":"delegated coordinator /root/review_wv1; not independent","source_check":"[internal evidence reference]","disposition":"original_attribution_unreopened_all_limits_retained","scope":"Originalresearcherbody/statusrecordretained;nofreshmaterialbodyorversionacceptance. Allnested/history/pixel/pricing/aid/signature/currentness/applicationlimitsremain.","selected_evidence_keys":[],"all_original_limits_retained":true}},{"source_id":"R018-P1-S005","urls":["https://uscode.house.gov/us/usc/119-121/t15/s1604/","https://uscode.house.gov/us/usc/119-121/t15/s1604/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"R018-P1-S005","Issuer, title, and complete literal HTTPS URL(s)":"US House OLRC, 15 U.S.C. §1604 — Disclosure guidelines. https://uscode.house.gov/us/usc/119-121/t15/s1604/","Exact body read / printed page / PDF index":"(a)–(f), including adjustment/exception/model authority. HTML","Version, effective predicate, and read/currentness limit":"U121. Used for the rulemaking explanation, not an actual safe-harbor/remedy determination"},"coordinator_verification_status":"original_attribution_unreopened_all_limits_retained","coordinator_review":{"at":"2026-10-29T08:49:29.019966+00:00","identity":"delegated coordinator /root/review_wv1; not independent","source_check":"[internal evidence reference]","disposition":"original_attribution_unreopened_all_limits_retained","scope":"Originalresearcherbody/statusrecordretained;nofreshmaterialbodyorversionacceptance. Allnested/history/pixel/pricing/aid/signature/currentness/applicationlimitsremain.","selected_evidence_keys":[],"all_original_limits_retained":true}},{"source_id":"R018-P1-S006","urls":["https://www.consumerfinance.gov/rules-policy/regulations/1026/46/","https://www.consumerfinance.gov/rules-policy/regulations/1026/interp-46/","https://www.consumerfinance.gov/rules-policy/regulations/1026/46/?utm_source=chatgpt.com","https://www.consumerfinance.gov/rules-policy/regulations/1026/interp-46/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"R018-P1-S006","Issuer, title, and complete literal HTTPS URL(s)":"CFPB, §1026.46 and official interpretations. https://www.consumerfinance.gov/rules-policy/regulations/1026/46/ ; https://www.consumerfinance.gov/rules-policy/regulations/1026/interp-46/","Exact body read / printed page / PDF index":"Entire (a)–(g) and all section-specific official comments, including complete (b)(5) definition. HTML","Version, effective predicate, and read/currentness limit":"CZ. Fresh full substantive reading across retrievals; later navigation-heavy return not treated as operative body. Cross-checked against S009"},"coordinator_verification_status":"fresh46_operative_via_same_family_eCFR_comments_unreopened","coordinator_review":{"at":"2026-10-29T08:49:29.019966+00:00","identity":"delegated coordinator /root/review_wv1; not independent","source_check":"[internal evidence reference]","disposition":"fresh46_operative_via_same_family_eCFR_comments_unreopened","scope":"Complete46a–goperativeviaS009,notindependentcorroboration;original46allcommentreadingattributed/unreopened,knownmainnavigationrouteunretried.","selected_evidence_keys":["SubpartF46_coverage_definition_form_timing","SubpartF46_estimates_multiple_parties_subsequent_events"],"all_original_limits_retained":true}},{"source_id":"R018-P1-S007","urls":["https://www.consumerfinance.gov/rules-policy/regulations/1026/47/","https://www.consumerfinance.gov/rules-policy/regulations/1026/interp-47/","https://www.consumerfinance.gov/rules-policy/regulations/1026/47/?utm_source=chatgpt.com","https://www.consumerfinance.gov/rules-policy/regulations/1026/interp-47/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"R018-P1-S007","Issuer, title, and complete literal HTTPS URL(s)":"CFPB, §1026.47 and official interpretations. https://www.consumerfinance.gov/rules-policy/regulations/1026/47/ ; https://www.consumerfinance.gov/rules-policy/regulations/1026/interp-47/","Exact body read / printed page / PDF index":"Entire (a)–(c), every numbered content item, and all comments, including general “as applicable,” fee/example, maximum-payment, acceptance, and cancellation comments. HTML","Version, effective predicate, and read/currentness limit":"CZ. Entire focused body read; not all external computation/rate-law cross-references opened"},"coordinator_verification_status":"fresh47_operative_via_same_family_eCFR_comments_unreopened","coordinator_review":{"at":"2026-10-29T08:49:29.019966+00:00","identity":"delegated coordinator /root/review_wv1; not independent","source_check":"[internal evidence reference]","disposition":"fresh47_operative_via_same_family_eCFR_comments_unreopened","scope":"Complete47a–coperative;full47comments/18/APR/pricing/examplesnotfreshlyreopened;noactualrate/math/formfinding.","selected_evidence_keys":["SubpartF47_start","SubpartF47_middle","SubpartF47_final_and48_complete"],"all_original_limits_retained":true}},{"source_id":"R018-P1-S008","urls":["https://www.consumerfinance.gov/rules-policy/regulations/1026/48/","https://www.consumerfinance.gov/rules-policy/regulations/1026/interp-48/","https://www.consumerfinance.gov/rules-policy/regulations/1026/48/?utm_source=chatgpt.com","https://www.consumerfinance.gov/rules-policy/regulations/1026/interp-48/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"R018-P1-S008","Issuer, title, and complete literal HTTPS URL(s)":"CFPB, §1026.48 and official interpretations. https://www.consumerfinance.gov/rules-policy/regulations/1026/48/ ; https://www.consumerfinance.gov/rules-policy/regulations/1026/interp-48/","Exact body read / printed page / PDF index":"Entire (a)–(f) and all comments, including every change exception, cancellation procedure, self-certification, co-branding, and preferred-lender condition. HTML","Version, effective predicate, and read/currentness limit":"CZ. Later main-page return supplied navigation; complete operative text independently retrieved in S009 and comments remained accessible"},"coordinator_verification_status":"fresh48_operative_via_eCFR_fresh_interp_navigation_only","coordinator_review":{"at":"2026-10-29T08:49:29.019966+00:00","identity":"delegated coordinator /root/review_wv1; not independent","source_check":"[internal evidence reference]","disposition":"fresh48_operative_via_eCFR_fresh_interp_navigation_only","scope":"Complete48a–foperativeviaS009;freshinterp48returnednavigationonly,commentbodyunreopened;noquota/lawabsenceorvariantrecovery.","selected_evidence_keys":["SubpartF47_final_and48_complete"],"all_original_limits_retained":true}},{"source_id":"R018-P1-S009","urls":["https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-F","https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-F?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"R018-P1-S009","Issuer, title, and complete literal HTTPS URL(s)":"OFR/GPO eCFR, 12 CFR part 1026, Subpart F. https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-F","Exact body read / printed page / PDF index":"Complete operative §§1026.46–.48, read across body windows; no claim to a complete eCFR Supplement I reading through this URL. HTML","Version, effective predicate, and read/currentness limit":"E12. Page expressly describes eCFR as authoritative but unofficial; not an official annual edition. Same Regulation Z source family as S006–S008"},"coordinator_verification_status":"fresh_complete_SubpartF_operative_checked_no_whole_SupplementI","coordinator_review":{"at":"2026-10-29T08:49:29.019966+00:00","identity":"delegated coordinator /root/review_wv1; not independent","source_check":"[internal evidence reference]","disposition":"fresh_complete_SubpartF_operative_checked_no_whole_SupplementI","scope":"Entireoperative107–308unionread;noeCFRSupplementI/globalCFRorannualeditionread.10/23displayretained.","selected_evidence_keys":["SubpartF46_coverage_definition_form_timing","SubpartF46_estimates_multiple_parties_subsequent_events","SubpartF47_start","SubpartF47_middle","SubpartF47_final_and48_complete","eCFR_currency_and_status"],"all_original_limits_retained":true}},{"source_id":"R018-P1-S010","urls":["https://www.consumerfinance.gov/rules-policy/regulations/1026/1/","https://www.consumerfinance.gov/rules-policy/regulations/1026/2/","https://www.consumerfinance.gov/rules-policy/regulations/1026/3/","https://www.consumerfinance.gov/rules-policy/regulations/1026/1/?utm_source=chatgpt.com","https://www.consumerfinance.gov/rules-policy/regulations/1026/2/?utm_source=chatgpt.com","https://www.consumerfinance.gov/rules-policy/regulations/1026/3/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"R018-P1-S010","Issuer, title, and complete literal HTTPS URL(s)":"CFPB, Regulation Z scope, definitions, exemptions. https://www.consumerfinance.gov/rules-policy/regulations/1026/1/ ; https://www.consumerfinance.gov/rules-policy/regulations/1026/2/ ; https://www.consumerfinance.gov/rules-policy/regulations/1026/3/","Exact body read / printed page / PDF index":"§1(c)(1); §2(a)(3), (6), (10)–(14), (17)(i)/(v), (19)–(20), necessary comments; §3(a), (b)(1), (f), (g) and relevant comments. HTML","Version, effective predicate, and read/currentness limit":"CZ. Necessary gateway/clock bodies read; not all mortgage/card/retirement-plan cross-references"},"coordinator_verification_status":"fresh_selected_businessday_definition_comments_only","coordinator_review":{"at":"2026-10-29T08:49:29.019966+00:00","identity":"delegated coordinator /root/review_wv1; not independent","source_check":"[internal evidence reference]","disposition":"fresh_selected_businessday_definition_comments_only","scope":"2a6definition/comments132–140fresh;remaininggatewaycreditor/consumer/openend/exemptionsoriginalunreopened. Statutoryholidaylistnotverified.","selected_evidence_keys":["businessday_complete_definition_comments"],"all_original_limits_retained":true}},{"source_id":"R018-P1-S011","urls":["https://www.consumerfinance.gov/rules-policy/regulations/1026/17/","https://www.consumerfinance.gov/rules-policy/regulations/1026/18/","https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-C/section-1026.18","https://www.consumerfinance.gov/rules-policy/regulations/1026/17/?utm_source=chatgpt.com","https://www.consumerfinance.gov/rules-policy/regulations/1026/18/?utm_source=chatgpt.com","https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-C/section-1026.18?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"R018-P1-S011","Issuer, title, and complete literal HTTPS URL(s)":"CFPB/eCFR, §§1026.17–.18. https://www.consumerfinance.gov/rules-policy/regulations/1026/17/ ; https://www.consumerfinance.gov/rules-policy/regulations/1026/18/ ; https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-C/section-1026.18","Exact body read / printed page / PDF index":"§17(a), (b), (d), (e), relevant (f) and comments; complete §18(a)–(r) operative text, selected comments, mortgage (s)/(t) scope. HTML","Version, effective predicate, and read/currentness limit":"CZ/E12. Not complete finance-charge/APR computation, all §18 commentary, or full interim-credit/mortgage analysis"},"coordinator_verification_status":"original_attribution_unreopened_all_limits_retained","coordinator_review":{"at":"2026-10-29T08:49:29.019966+00:00","identity":"delegated coordinator /root/review_wv1; not independent","source_check":"[internal evidence reference]","disposition":"original_attribution_unreopened_all_limits_retained","scope":"Originalresearcherbody/statusrecordretained;nofreshmaterialbodyorversionacceptance. Allnested/history/pixel/pricing/aid/signature/currentness/applicationlimitsremain.","selected_evidence_keys":[],"all_original_limits_retained":true}},{"source_id":"R018-P1-S012","urls":["https://www.consumerfinance.gov/rules-policy/regulations/1026/23/","https://www.consumerfinance.gov/rules-policy/regulations/1026/23/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"R018-P1-S012","Issuer, title, and complete literal HTTPS URL(s)":"CFPB, §1026.23 — Right of rescission. https://www.consumerfinance.gov/rules-policy/regulations/1026/23/","Exact body read / printed page / PDF index":"§23(a)(1) and relevant introductory comments only. HTML","Version, effective predicate, and read/currentness limit":"CZ. Read solely to distinguish principal-dwelling rescission; full exceptions, remedies, and history not audited"},"coordinator_verification_status":"original_attribution_unreopened_all_limits_retained","coordinator_review":{"at":"2026-10-29T08:49:29.019966+00:00","identity":"delegated coordinator /root/review_wv1; not independent","source_check":"[internal evidence reference]","disposition":"original_attribution_unreopened_all_limits_retained","scope":"Originalresearcherbody/statusrecordretained;nofreshmaterialbodyorversionacceptance. Allnested/history/pixel/pricing/aid/signature/currentness/applicationlimitsremain.","selected_evidence_keys":[],"all_original_limits_retained":true}},{"source_id":"R018-P1-S013","urls":["https://uscode.house.gov/us/usc/119-121/t20/s1001/","https://uscode.house.gov/us/usc/119-120/t20/s1002/","https://uscode.house.gov/us/usc/119-121/t20/s1001/?utm_source=chatgpt.com","https://uscode.house.gov/us/usc/119-120/t20/s1002/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"R018-P1-S013","Issuer, title, and complete literal HTTPS URL(s)":"US House OLRC, 20 U.S.C. §§1001–1002 — IHE definitions. https://uscode.house.gov/us/usc/119-121/t20/s1001/ ; https://uscode.house.gov/us/usc/119-120/t20/s1002/","Exact body read / printed page / PDF index":"Complete §1001(a)–(c), §1002(a)–(c), relevant effective note. HTML","Version, effective predicate, and read/currentness limit":"§1001 U121; §1002 U120. Full numbered definitions read, but not every incorporated eligibility/program rule"},"coordinator_verification_status":"original_attribution_unreopened_all_limits_retained","coordinator_review":{"at":"2026-10-29T08:49:29.019966+00:00","identity":"delegated coordinator /root/review_wv1; not independent","source_check":"[internal evidence reference]","disposition":"original_attribution_unreopened_all_limits_retained","scope":"Originalresearcherbody/statusrecordretained;nofreshmaterialbodyorversionacceptance. Allnested/history/pixel/pricing/aid/signature/currentness/applicationlimitsremain.","selected_evidence_keys":[],"all_original_limits_retained":true}},{"source_id":"R018-P1-S014","urls":["https://www.ecfr.gov/current/title-34/subtitle-B/chapter-VI/part-600/subpart-A/section-600.2","https://www.ecfr.gov/current/title-34/subtitle-B/chapter-VI/part-600/subpart-A/section-600.4","https://www.ecfr.gov/current/title-34/subtitle-B/chapter-VI/part-600/subpart-A/section-600.5","https://www.ecfr.gov/current/title-34/subtitle-B/chapter-VI/part-600/subpart-A/section-600.6","https://www.ecfr.gov/current/title-34/subtitle-B/chapter-VI/part-600/subpart-A/section-600.2?utm_source=chatgpt.com","https://www.ecfr.gov/current/title-34/subtitle-B/chapter-VI/part-600/subpart-A/section-600.4?utm_source=chatgpt.com","https://www.ecfr.gov/current/title-34/subtitle-B/chapter-VI/part-600/subpart-A/section-600.5?utm_source=chatgpt.com","https://www.ecfr.gov/current/title-34/subtitle-B/chapter-VI/part-600/subpart-A/section-600.6?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"R018-P1-S014","Issuer, title, and complete literal HTTPS URL(s)":"ED/eCFR, 34 CFR §§600.2, .4, .5, .6. https://www.ecfr.gov/current/title-34/subtitle-B/chapter-VI/part-600/subpart-A/section-600.2 ; https://www.ecfr.gov/current/title-34/subtitle-B/chapter-VI/part-600/subpart-A/section-600.4 ; https://www.ecfr.gov/current/title-34/subtitle-B/chapter-VI/part-600/subpart-A/section-600.5 ; https://www.ecfr.gov/current/title-34/subtitle-B/chapter-VI/part-600/subpart-A/section-600.6","Exact body read / printed page / PDF index":"§600.2 selected educational-program, eligible-institution, nonprofit (1)–(4), regular-student, recognized-occupation definitions; complete .4(a)–(c), .5(a)–(e), .6(a)–(d). HTML","Version, effective predicate, and read/currentness limit":"E34. State authorization, program, accreditation, and foreign-school cross-references not comprehensively followed"},"coordinator_verification_status":"original_attribution_unreopened_all_limits_retained","coordinator_review":{"at":"2026-10-29T08:49:29.019966+00:00","identity":"delegated coordinator /root/review_wv1; not independent","source_check":"[internal evidence reference]","disposition":"original_attribution_unreopened_all_limits_retained","scope":"Originalresearcherbody/statusrecordretained;nofreshmaterialbodyorversionacceptance. Allnested/history/pixel/pricing/aid/signature/currentness/applicationlimitsremain.","selected_evidence_keys":[],"all_original_limits_retained":true}},{"source_id":"R018-P1-S015","urls":["https://uscode.house.gov/us/usc/119-121/t26/s501/","https://uscode.house.gov/us/usc/119-121/t26/s501/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"R018-P1-S015","Issuer, title, and complete literal HTTPS URL(s)":"US House OLRC, 26 U.S.C. §501 — Exemption from tax. https://uscode.house.gov/us/usc/119-121/t26/s501/","Exact body read / printed page / PDF index":"(a), (b), and (c)(3). HTML","Version, effective predicate, and read/currentness limit":"U121. Limited nonprofit-definition cross-reference; no tax-status lookup, §221 classification, or complete tax analysis"},"coordinator_verification_status":"original_attribution_unreopened_all_limits_retained","coordinator_review":{"at":"2026-10-29T08:49:29.019966+00:00","identity":"delegated coordinator /root/review_wv1; not independent","source_check":"[internal evidence reference]","disposition":"original_attribution_unreopened_all_limits_retained","scope":"Originalresearcherbody/statusrecordretained;nofreshmaterialbodyorversionacceptance. Allnested/history/pixel/pricing/aid/signature/currentness/applicationlimitsremain.","selected_evidence_keys":[],"all_original_limits_retained":true}},{"source_id":"R018-P1-S016","urls":["https://uscode.house.gov/us/usc/119-121/t20/s1087ll/","https://uscode.house.gov/us/usc/119-121/t20/s1087ll/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"R018-P1-S016","Issuer, title, and complete literal HTTPS URL(s)":"US House OLRC, 20 U.S.C. §1087ll — Cost of attendance. https://uscode.house.gov/us/usc/119-121/t20/s1087ll/","Exact body read / printed page / PDF index":"Complete (a)(1)–(14), (b), (c), and relevant amendment/effective notes. HTML","Version, effective predicate, and read/currentness limit":"U121. Updated COA language read; older Reg Z loan-fee illustration remains a bounded integration issue"},"coordinator_verification_status":"fresh_selected_COA_fee_clause_and_notes_only","coordinator_review":{"at":"2026-10-29T08:49:29.019966+00:00","identity":"delegated coordinator /root/review_wv1; not independent","source_check":"[internal evidence reference]","disposition":"fresh_selected_COA_fee_clause_and_notes_only","scope":"Currenta13federalloanfeequalification/nearbya10–14andb/c/notes;earliercategoriesnotfreshlycompleted;olderRegZfeecrossreferenceintegrationheld.","selected_evidence_keys":["COA_federal_loan_fee_and_later_notes"],"all_original_limits_retained":true}},{"source_id":"R018-P1-S017","urls":["https://uscode.house.gov/us/usc/119-120/t20/s1019/","https://uscode.house.gov/us/usc/119-120/t20/s1019/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"R018-P1-S017","Issuer, title, and complete literal HTTPS URL(s)":"US House OLRC, 20 U.S.C. §1019 — Definitions. https://uscode.house.gov/us/usc/119-120/t20/s1019/","Exact body read / printed page / PDF index":"Complete numbered definitions (1)–(9), especially institution-affiliated organization and preferred-lender arrangement. HTML","Version, effective predicate, and read/currentness limit":"U120. No actual arrangement/entity inquiry"},"coordinator_verification_status":"original_attribution_unreopened_all_limits_retained","coordinator_review":{"at":"2026-10-29T08:49:29.019966+00:00","identity":"delegated coordinator /root/review_wv1; not independent","source_check":"[internal evidence reference]","disposition":"original_attribution_unreopened_all_limits_retained","scope":"Originalresearcherbody/statusrecordretained;nofreshmaterialbodyorversionacceptance. Allnested/history/pixel/pricing/aid/signature/currentness/applicationlimitsremain.","selected_evidence_keys":[],"all_original_limits_retained":true}},{"source_id":"R018-P1-S018","urls":["https://uscode.house.gov/us/usc/119-118/t20/s1019d/","https://uscode.house.gov/us/usc/119-118/t20/s1019d/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"R018-P1-S018","Issuer, title, and complete literal HTTPS URL(s)":"US House OLRC, 20 U.S.C. §1019d — Self-certification form for private education loans. https://uscode.house.gov/us/usc/119-118/t20/s1019d/","Exact body read / printed page / PDF index":"Entire (a)–(b) and relevant notes; reliance principally (a)(1)–(5). HTML","Version, effective predicate, and read/currentness limit":"U120. Current SAI wording distinguished from older blank form; no actual remedy conclusion from subsection (b)"},"coordinator_verification_status":"fresh_selected_current_SAI_form_elements_notes_only","coordinator_review":{"at":"2026-10-29T08:49:29.019966+00:00","identity":"delegated coordinator /root/review_wv1; not independent","source_check":"[internal evidence reference]","disposition":"fresh_selected_current_SAI_form_elements_notes_only","scope":"a2–5andbcurrentSAIdifference/signatureselected;openingSecretarydutynotreturned,furtherinstitution/implementationsystemheld.","selected_evidence_keys":["1019d_current_SAI_form_elements_notes"],"all_original_limits_retained":true}},{"source_id":"R018-P1-S019","urls":["https://uscode.house.gov/us/usc/119-121/t20/s1094/","https://uscode.house.gov/us/usc/119-121/t20/s1094/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"R018-P1-S019","Issuer, title, and complete literal HTTPS URL(s)":"US House OLRC, 20 U.S.C. §1094 — Program participation agreements. https://uscode.house.gov/us/usc/119-121/t20/s1094/","Exact body read / printed page / PDF index":"Subsection (a) opening and full (a)(28). HTML","Version, effective predicate, and read/currentness limit":"U121. No complete participation-agreement, school eligibility, or aid administration audit"},"coordinator_verification_status":"original_attribution_unreopened_all_limits_retained","coordinator_review":{"at":"2026-10-29T08:49:29.019966+00:00","identity":"delegated coordinator /root/review_wv1; not independent","source_check":"[internal evidence reference]","disposition":"original_attribution_unreopened_all_limits_retained","scope":"Originalresearcherbody/statusrecordretained;nofreshmaterialbodyorversionacceptance. Allnested/history/pixel/pricing/aid/signature/currentness/applicationlimitsremain.","selected_evidence_keys":[],"all_original_limits_retained":true}},{"source_id":"R018-P1-S020","urls":["https://www.ecfr.gov/current/title-34/subtitle-B/chapter-VI/part-601/subpart-B/section-601.11","https://www.ecfr.gov/current/title-34/subtitle-B/chapter-VI/part-668/subpart-B/section-668.14","https://www.ecfr.gov/current/title-34/subtitle-B/chapter-VI/part-601/subpart-B/section-601.11?utm_source=chatgpt.com","https://www.ecfr.gov/current/title-34/subtitle-B/chapter-VI/part-668/subpart-B/section-668.14?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"R018-P1-S020","Issuer, title, and complete literal HTTPS URL(s)":"ED/eCFR, 34 CFR §§601.11, 668.14. https://www.ecfr.gov/current/title-34/subtitle-B/chapter-VI/part-601/subpart-B/section-601.11 ; https://www.ecfr.gov/current/title-34/subtitle-B/chapter-VI/part-668/subpart-B/section-668.14","Exact body read / printed page / PDF index":"Complete §601.11(a)–(d); full §668.14(b)(29). HTML","Version, effective predicate, and read/currentness limit":"E34. Whole-page future-rule notice not treated as proof of a change to these particular clauses; broader preferred-lender/participation duties held"},"coordinator_verification_status":"original_attribution_unreopened_all_limits_retained","coordinator_review":{"at":"2026-10-29T08:49:29.019966+00:00","identity":"delegated coordinator /root/review_wv1; not independent","source_check":"[internal evidence reference]","disposition":"original_attribution_unreopened_all_limits_retained","scope":"Originalresearcherbody/statusrecordretained;nofreshmaterialbodyorversionacceptance. Allnested/history/pixel/pricing/aid/signature/currentness/applicationlimitsremain.","selected_evidence_keys":[],"all_original_limits_retained":true}},{"source_id":"R018-P1-S021","urls":["https://uscode.house.gov/us/usc/119-121/t15/s7001/","https://uscode.house.gov/us/usc/119-121/t15/s7001/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"R018-P1-S021","Issuer, title, and complete literal HTTPS URL(s)":"US House OLRC, 15 U.S.C. §7001 — E-Sign general validity rule. https://uscode.house.gov/us/usc/119-121/t15/s7001/","Exact body read / printed page / PDF index":"(a)–(c) complete; relevant retention/original provisions (d)–(e), effective notes. HTML","Version, effective predicate, and read/currentness limit":"U121. General effective date October 1, 2000; specified retention-related transitions separately noted in body. No actual consent/signature audit"},"coordinator_verification_status":"original_ESIGN_body_attribution_prior_known_failure_held","coordinator_review":{"at":"2026-10-29T08:49:29.019966+00:00","identity":"delegated coordinator /root/review_wv1; not independent","source_check":"[internal evidence reference]","disposition":"original_ESIGN_body_attribution_prior_known_failure_held","scope":"119-1217001priorprogramfailedoperationprotected;norequest/currentbodyacceptancehere.Originalcconsent/retention/invalidationlimitsretained.","selected_evidence_keys":[],"all_original_limits_retained":true}},{"source_id":"R018-P1-S022","urls":["https://uscode.house.gov/us/usc/119-118/t5/s6103/","https://uscode.house.gov/us/usc/119-118/t5/s6103/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"R018-P1-S022","Issuer, title, and complete literal HTTPS URL(s)":"US House OLRC, 5 U.S.C. §6103 — Holidays. https://uscode.house.gov/us/usc/119-118/t5/s6103/","Exact body read / printed page / PDF index":"(a)–(d), especially complete (a) holiday list. HTML","Version, effective predicate, and read/currentness limit":"U120. Actual legal-holiday list, not an assumed business calendar"},"coordinator_verification_status":"fresh_find404_prior_same_URL_open404_attributed_holiday_list_unverified","coordinator_review":{"at":"2026-10-29T08:49:29.019966+00:00","identity":"delegated coordinator /root/review_wv1; not independent","source_check":"[internal evidence reference]","disposition":"fresh_find404_prior_same_URL_open404_attributed_holiday_list_unverified","scope":"OwnfindJuneteenth404once;rootprovidesIA12earlieropen404sameURL.Distinctoperations,notnewuniqueURLfailureorrecovery;originalholidaylistunreopened.","selected_evidence_keys":[],"all_original_limits_retained":true}},{"source_id":"R018-P1-S023","urls":["https://uscode.house.gov/us/usc/119-121/t15/s1681a/","https://uscode.house.gov/us/usc/119-121/t15/s1681a/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"R018-P1-S023","Issuer, title, and complete literal HTTPS URL(s)":"US House OLRC, 15 U.S.C. §1681a — Definitions; rules of construction. https://uscode.house.gov/us/usc/119-121/t15/s1681a/","Exact body read / printed page / PDF index":"Complete (l)(1)–(3), firm offer of credit/insurance. HTML","Version, effective predicate, and read/currentness limit":"U121. Necessary solicitation cross-reference only; no consumer-report or prescreening inquiry"},"coordinator_verification_status":"original_attribution_unreopened_all_limits_retained","coordinator_review":{"at":"2026-10-29T08:49:29.019966+00:00","identity":"delegated coordinator /root/review_wv1; not independent","source_check":"[internal evidence reference]","disposition":"original_attribution_unreopened_all_limits_retained","scope":"Originalresearcherbody/statusrecordretained;nofreshmaterialbodyorversionacceptance. Allnested/history/pixel/pricing/aid/signature/currentness/applicationlimitsremain.","selected_evidence_keys":[],"all_original_limits_retained":true}},{"source_id":"R018-P1-S024","urls":["https://www.govinfo.gov/content/pkg/FR-2009-08-14/html/E9-18548.htm","https://www.govinfo.gov/content/pkg/FR-2009-08-14/pdf/E9-18548.pdf","https://www.federalreserve.gov/newsevents/pressreleases/bcreg20090730a.htm","https://www.govinfo.gov/content/pkg/FR-2009-08-14/html/E9-18548.htm?utm_source=chatgpt.com","https://www.govinfo.gov/content/pkg/FR-2009-08-14/pdf/E9-18548.pdf?utm_source=chatgpt.com","https://www.federalreserve.gov/newsevents/pressreleases/bcreg20090730a.htm?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"R018-P1-S024","Issuer, title, and complete literal HTTPS URL(s)":"Federal Reserve Board, Truth in Lending, final rule and official staff commentary, 74 FR 41194–41257, August 14, 2009. https://www.govinfo.gov/content/pkg/FR-2009-08-14/html/E9-18548.htm ; https://www.govinfo.gov/content/pkg/FR-2009-08-14/pdf/E9-18548.pdf ; issuance/discovery page https://www.federalreserve.gov/newsevents/pressreleases/bcreg20090730a.htm","Exact body read / printed page / PDF index":"Material portions: 41194/PDF0 dates; 41198/4 business days; 41201–02/7–8 creditor/institution exceptions; 41208/14 timing; 41215–16/21–22 selected alternatives; 41221–22/27–28 final timing/content; 41226–28/32–34 selected cancellation/self-certification/effectivity; 41248/54 complete transition comments","Version, effective predicate, and read/currentness limit":"Historical final rule. Effective September 14, 2009; mandatory predicates detailed in C082. Selected body read, not all 64 PDF pages. Preamble distinguished from codified rule"},"coordinator_verification_status":"original_attribution_unreopened_all_limits_retained","coordinator_review":{"at":"2026-10-29T08:49:29.019966+00:00","identity":"delegated coordinator /root/review_wv1; not independent","source_check":"[internal evidence reference]","disposition":"original_attribution_unreopened_all_limits_retained","scope":"Originalresearcherbody/statusrecordretained;nofreshmaterialbodyorversionacceptance. Allnested/history/pixel/pricing/aid/signature/currentness/applicationlimitsremain.","selected_evidence_keys":[],"all_original_limits_retained":true}},{"source_id":"R018-P1-S025","urls":["https://www.federalregister.gov/documents/2011/12/22/2011-31715/truth-in-lending-regulation-z","https://www.govinfo.gov/content/pkg/FR-2011-12-22/pdf/2011-31715.pdf","https://www.federalregister.gov/documents/2011/12/22/2011-31715/truth-in-lending-regulation-z?utm_source=chatgpt.com","https://www.govinfo.gov/content/pkg/FR-2011-12-22/pdf/2011-31715.pdf?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"R018-P1-S025","Issuer, title, and complete literal HTTPS URL(s)":"CFPB, Truth in Lending (Regulation Z), interim final rule, 76 FR 79768, December 22, 2011. https://www.federalregister.gov/documents/2011/12/22/2011-31715/truth-in-lending-regulation-z ; attempted PDF https://www.govinfo.gov/content/pkg/FR-2011-12-22/pdf/2011-31715.pdf","Exact body read / printed page / PDF index":"HTML dates, summary, §§I and II.A–B; printed opening pp. 79768–79769. PDF body retrieval failed because file exceeded retrieval size; PDF indices not verified","Version, effective predicate, and read/currentness limit":"Historical interim final rule, effective December 30, 2011. No claim to reading the complete republication"},"coordinator_verification_status":"original_attribution_unreopened_all_limits_retained","coordinator_review":{"at":"2026-10-29T08:49:29.019966+00:00","identity":"delegated coordinator /root/review_wv1; not independent","source_check":"[internal evidence reference]","disposition":"original_attribution_unreopened_all_limits_retained","scope":"Originalresearcherbody/statusrecordretained;nofreshmaterialbodyorversionacceptance. Allnested/history/pixel/pricing/aid/signature/currentness/applicationlimitsremain.","selected_evidence_keys":[],"all_original_limits_retained":true}},{"source_id":"R018-P1-S026","urls":["https://www.consumerfinance.gov/rules-policy/regulations/1026/h/","https://www.consumerfinance.gov/rules-policy/regulations/1026/interp-gh/","https://www.consumerfinance.gov/rules-policy/regulations/1026/h/?utm_source=chatgpt.com","https://www.consumerfinance.gov/rules-policy/regulations/1026/interp-gh/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"R018-P1-S026","Issuer, title, and complete literal HTTPS URL(s)":"CFPB, Appendix H; official G/H and H interpretations. https://www.consumerfinance.gov/rules-policy/regulations/1026/h/ ; https://www.consumerfinance.gov/rules-policy/regulations/1026/interp-gh/","Exact body read / printed page / PDF index":"Appendix H comment 25(i)–(vi), comments 26–28; G/H comments 1–2; current H-18–H-23 labels/placeholders. HTML","Version, effective predicate, and read/currentness limit":"CZ. Applicable instructions read; current embedded model pixels not inspected"},"coordinator_verification_status":"original_attribution_unreopened_all_limits_retained","coordinator_review":{"at":"2026-10-29T08:49:29.019966+00:00","identity":"delegated coordinator /root/review_wv1; not independent","source_check":"[internal evidence reference]","disposition":"original_attribution_unreopened_all_limits_retained","scope":"Originalresearcherbody/statusrecordretained;nofreshmaterialbodyorversionacceptance. Allnested/history/pixel/pricing/aid/signature/currentness/applicationlimitsremain.","selected_evidence_keys":[],"all_original_limits_retained":true}},{"source_id":"R018-P1-S027","urls":["https://www.federalreserve.gov/newsevents/pressreleases/files/bcreg20090730a3.pdf","https://www.federalreserve.gov/newsevents/pressreleases/files/bcreg20090730a4.pdf","https://www.federalreserve.gov/newsevents/pressreleases/files/bcreg20090730a5.pdf","https://www.federalreserve.gov/newsevents/pressreleases/files/bcreg20090730a3.pdf?utm_source=chatgpt.com","https://www.federalreserve.gov/newsevents/pressreleases/files/bcreg20090730a4.pdf?utm_source=chatgpt.com","https://www.federalreserve.gov/newsevents/pressreleases/files/bcreg20090730a5.pdf?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"R018-P1-S027","Issuer, title, and complete literal HTTPS URL(s)":"Federal Reserve Board, H-18, H-19, H-20 model disclosures, issued with July 30, 2009 release. H-18 https://www.federalreserve.gov/newsevents/pressreleases/files/bcreg20090730a3.pdf ; H-19 https://www.federalreserve.gov/newsevents/pressreleases/files/bcreg20090730a4.pdf ; H-20 https://www.federalreserve.gov/newsevents/pressreleases/files/bcreg20090730a5.pdf","Exact body read / printed page / PDF index":"All parsed text, both document pages/PDF indices 0–1 of each; extracted lines approximately 0–87, 0–131, 0–115 respectively","Version, effective predicate, and read/currentness limit":"Historical official models. Image attempts for all six pages supplied no inspectable pixels. Current visual identity/full-form compliance not established"},"coordinator_verification_status":"original_attribution_unreopened_all_limits_retained","coordinator_review":{"at":"2026-10-29T08:49:29.019966+00:00","identity":"delegated coordinator /root/review_wv1; not independent","source_check":"[internal evidence reference]","disposition":"original_attribution_unreopened_all_limits_retained","scope":"Originalresearcherbody/statusrecordretained;nofreshmaterialbodyorversionacceptance. Allnested/history/pixel/pricing/aid/signature/currentness/applicationlimitsremain.","selected_evidence_keys":[],"all_original_limits_retained":true}},{"source_id":"R018-P1-S028","urls":["https://www.federalreserve.gov/newsevents/pressreleases/files/bcreg20090730a6.pdf","https://www.federalreserve.gov/newsevents/pressreleases/files/bcreg20090730a7.pdf","https://www.federalreserve.gov/newsevents/pressreleases/files/bcreg20090730a8.pdf","https://www.federalreserve.gov/newsevents/pressreleases/files/bcreg20090730a6.pdf?utm_source=chatgpt.com","https://www.federalreserve.gov/newsevents/pressreleases/files/bcreg20090730a7.pdf?utm_source=chatgpt.com","https://www.federalreserve.gov/newsevents/pressreleases/files/bcreg20090730a8.pdf?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"R018-P1-S028","Issuer, title, and complete literal HTTPS URL(s)":"Federal Reserve Board, H-21, H-22, H-23 samples. H-21 https://www.federalreserve.gov/newsevents/pressreleases/files/bcreg20090730a6.pdf ; H-22 https://www.federalreserve.gov/newsevents/pressreleases/files/bcreg20090730a7.pdf ; H-23 https://www.federalreserve.gov/newsevents/pressreleases/files/bcreg20090730a8.pdf","Exact body read / printed page / PDF index":"All parsed text, both pages/PDF 0–1 of each; approximately 111, 142, 126 extracted lines. H-23 conflict specifically page0 versus page1/line112","Version, effective predicate, and read/currentness limit":"Historical official samples. No image inspection or current-rate inference; no sample identifiers reused"},"coordinator_verification_status":"original_attribution_unreopened_all_limits_retained","coordinator_review":{"at":"2026-10-29T08:49:29.019966+00:00","identity":"delegated coordinator /root/review_wv1; not independent","source_check":"[internal evidence reference]","disposition":"original_attribution_unreopened_all_limits_retained","scope":"Originalresearcherbody/statusrecordretained;nofreshmaterialbodyorversionacceptance. Allnested/history/pixel/pricing/aid/signature/currentness/applicationlimitsremain.","selected_evidence_keys":[],"all_original_limits_retained":true}},{"source_id":"R018-P1-S029","urls":["https://fsapartners.ed.gov/sites/default/files/2023-06/H450PrivateEducationLoanApplicantSelfCertificationForm.pdf","https://fsapartners.ed.gov/sites/default/files/2023-06/H450PrivateEducationLoanApplicantSelfCertificationForm.pdf?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"R018-P1-S029","Issuer, title, and complete literal HTTPS URL(s)":"ED/FSA, Private Education Loan Applicant Self-Certification. https://fsapartners.ed.gov/sites/default/files/2023-06/H450PrivateEducationLoanApplicantSelfCertificationForm.pdf","Exact body read / printed page / PDF index":"Full parsed two-page form, sections 1–6, PDF indices 0–1; approximately 69 extracted lines","Version, effective predicate, and read/currentness limit":"Linked 2023 form; printed expiration August 31, 2025. Both page-image attempts unsuccessful. Current OMB approval and replacement status unresolved"},"coordinator_verification_status":"fresh_complete_blank_ED_form_parsed_checked_no_pixels_OMB_held","coordinator_review":{"at":"2026-10-29T08:49:29.019966+00:00","identity":"delegated coordinator /root/review_wv1; not independent","source_check":"[internal evidence reference]","disposition":"fresh_complete_blank_ED_form_parsed_checked_no_pixels_OMB_held","scope":"All69parsedlines/twopagesreadincluding2025expiry/EFC/aidformula/prior-disbursementintro;nofill/pixels/currentOMBreapprovaloractualformcompliance.","selected_evidence_keys":["ED_form_early","ED_form_tail"],"all_original_limits_retained":true}},{"source_id":"R018-P1-S030","urls":["https://fsapartners.ed.gov/knowledge-center/library/electronic-announcements/2023-07-06/private-education-loans-form-and-topics-page","https://fsapartners.ed.gov/knowledge-center/topics/private-education-loan-information","https://fsapartners.ed.gov/knowledge-center/library/electronic-announcements/2023-07-06/private-education-loans-form-and-topics-page?utm_source=chatgpt.com","https://fsapartners.ed.gov/knowledge-center/topics/private-education-loan-information?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"R018-P1-S030","Issuer, title, and complete literal HTTPS URL(s)":"ED/FSA, Private Education Loans Form and Topics Page, July 6, 2023, GENERAL-23-55; current topic page. https://fsapartners.ed.gov/knowledge-center/library/electronic-announcements/2023-07-06/private-education-loans-form-and-topics-page ; https://fsapartners.ed.gov/knowledge-center/topics/private-education-loan-information","Exact body read / printed page / PDF index":"Complete short announcement and topic/link page","Version, effective predicate, and read/currentness limit":"Official announcement/resource guidance. Establishes the located link path, not current OMB approval or statutory amendment"},"coordinator_verification_status":"original_attribution_unreopened_all_limits_retained","coordinator_review":{"at":"2026-10-29T08:49:29.019966+00:00","identity":"delegated coordinator /root/review_wv1; not independent","source_check":"[internal evidence reference]","disposition":"original_attribution_unreopened_all_limits_retained","scope":"Originalresearcherbody/statusrecordretained;nofreshmaterialbodyorversionacceptance. Allnested/history/pixel/pricing/aid/signature/currentness/applicationlimitsremain.","selected_evidence_keys":[],"all_original_limits_retained":true}},{"source_id":"R018-P1-S031","urls":["https://fsapartners.ed.gov/knowledge-center/fsa-handbook/2026-2027/vol2/ch6-consumer-information-and-school-reporting","https://fsapartners.ed.gov/knowledge-center/fsa-handbook/2026-2027/vol2/ch6-consumer-information-and-school-reporting?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"R018-P1-S031","Issuer, title, and complete literal HTTPS URL(s)":"ED/FSA, 2026–2027 FSA Handbook, Volume 2, Chapter 6 — Consumer Information and School Reporting. https://fsapartners.ed.gov/knowledge-center/fsa-handbook/2026-2027/vol2/ch6-consumer-information-and-school-reporting","Exact body read / printed page / PDF index":"Private Education Loans/self-certification section, retrieved text around lines 986–1051 and related continuation; not entire chapter","Version, effective predicate, and read/currentness limit":"2026–27 guidance edition. Read instructions and current form-link route; not legislative or full program-compliance authority"},"coordinator_verification_status":"fresh_selected_2026_27_handbook_selfcert_instructions","coordinator_review":{"at":"2026-10-29T08:49:29.019966+00:00","identity":"delegated coordinator /root/review_wv1; not independent","source_check":"[internal evidence reference]","disposition":"fresh_selected_2026_27_handbook_selfcert_instructions","scope":"1015–1047selectedOFA/SAI/sameperiod/excludescertifiedloan/presentationrestrictions;noentirechapter/currentapprovedformornewISAclassification.","selected_evidence_keys":["handbook_selfcert_and_form_instructions"],"all_original_limits_retained":true}},{"source_id":"R018-P1-S032","urls":["https://www.consumerfinance.gov/compliance/guidance/withdrawn-guidance/","https://www.consumerfinance.gov/compliance/guidance/withdrawn-guidance/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"R018-P1-S032","Issuer, title, and complete literal HTTPS URL(s)":"CFPB, Withdrawn Guidance register. https://www.consumerfinance.gov/compliance/guidance/withdrawn-guidance/","Exact body read / printed page / PDF index":"Relevant December 2020 private-education-loan advisory entry, 85 FR 79400, and status","Version, effective predicate, and read/currentness limit":"Publisher withdrawal status, checked October 27, 2026. Underlying advisory not used as operative foundation"},"coordinator_verification_status":"explicit_dated_positive_withdrawal_entry_reused_only","coordinator_review":{"at":"2026-10-29T08:49:29.019966+00:00","identity":"delegated coordinator /root/review_wv1; not independent","source_check":"[internal evidence reference]","disposition":"explicit_dated_positive_withdrawal_entry_reused_only","scope":"R003sameprogramgenericbyteexactpacket4onlyL54–56positiveprivate-education2020advisorywithdrawalMay12,2025;notfreshregister/allpublication/merits.","selected_evidence_keys":[],"all_original_limits_retained":true}},{"source_id":"R018-P1-S033","urls":["https://www.federalregister.gov/documents/2025/05/12/2025-08286/interpretive-rules-policy-statements-and-advisory-opinions-withdrawal","https://www.govinfo.gov/content/pkg/FR-2025-05-12/pdf/2025-08286.pdf","https://www.federalregister.gov/documents/2025/05/12/2025-08286/interpretive-rules-policy-statements-and-advisory-opinions-withdrawal?utm_source=chatgpt.com","https://www.govinfo.gov/content/pkg/FR-2025-05-12/pdf/2025-08286.pdf?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"R018-P1-S033","Issuer, title, and complete literal HTTPS URL(s)":"CFPB, Interpretive Rules, Policy Statements, and Advisory Opinions; Withdrawal, May 12, 2025, 90 FR 20084–20087. https://www.federalregister.gov/documents/2025/05/12/2025-08286/interpretive-rules-policy-statements-and-advisory-opinions-withdrawal ; https://www.govinfo.gov/content/pkg/FR-2025-05-12/pdf/2025-08286.pdf","Exact body read / printed page / PDF index":"CFPB summary/dates/relevant analysis and withdrawal list; effective-date text p.20084/PDF0; Part III item13 p.20086/PDF2. Unrelated material on first PDF page not relied on","Version, effective predicate, and read/currentness limit":"Withdrawal effective May 12, 2025. Status of the identified advisory verified; not a repeal of statute/regulation or a full litigation-history audit"},"coordinator_verification_status":"original_attribution_unreopened_all_limits_retained","coordinator_review":{"at":"2026-10-29T08:49:29.019966+00:00","identity":"delegated coordinator /root/review_wv1; not independent","source_check":"[internal evidence reference]","disposition":"original_attribution_unreopened_all_limits_retained","scope":"Originalresearcherbody/statusrecordretained;nofreshmaterialbodyorversionacceptance. Allnested/history/pixel/pricing/aid/signature/currentness/applicationlimitsremain.","selected_evidence_keys":[],"all_original_limits_retained":true}}],"coverage":[{"topic":"Complete statutory private-loan definition","researcher_record":{"Assigned subquestion or major branch":"Complete statutory private-loan definition","Coverage status":"Answered","Claim/example links":"C001–C002; E01–E04","Exact missing authority or facts":"Actual statutory actor/product facts held","Next bounded permissible investigation":"None needed for the stated generic definition"},"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T08:49:29.019966+00:00","identity":"delegated coordinator /root/review_wv1; not independent","coverage_reconciliation":"[internal evidence reference]","row":1,"all_original_missing_evidence_retained":true,"parent_or_publication_acceptance":false}},{"topic":"Regulatory creditor conditions and regularity","researcher_record":{"Assigned subquestion or major branch":"Regulatory creditor conditions and regularity","Coverage status":"Answered, bounded","Claim/example links":"C002–C004; E07, E24","Exact missing authority or facts":"Actual extension counts, finance charge, installments, initial payee; full bank/credit-union charter definitions","Next bounded permissible investigation":"If necessary, read generic 12 U.S.C. §§1813/1752 definitions; no entity lookup"},"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T08:49:29.019966+00:00","identity":"delegated coordinator /root/review_wv1; not independent","coverage_reconciliation":"[internal evidence reference]","row":2,"all_original_missing_evidence_retained":true,"parent_or_publication_acceptance":false}},{"topic":"Consumer, borrower, student, guarantor distinctions","researcher_record":{"Assigned subquestion or major branch":"Consumer, borrower, student, guarantor distinctions","Coverage status":"Answered","Claim/example links":"C004, C063; E15","Exact missing authority or facts":"Actual contractual roles and authority","Next bounded permissible investigation":"Generic published contract-language comparison only"},"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T08:49:29.019966+00:00","identity":"delegated coordinator /root/review_wv1; not independent","coverage_reconciliation":"[internal evidence reference]","row":3,"all_original_missing_evidence_retained":true,"parent_or_publication_acceptance":false}},{"topic":"Covered institution versus IHE","researcher_record":{"Assigned subquestion or major branch":"Covered institution versus IHE","Coverage status":"Partial","Claim/example links":"C005–C006, C069","Exact missing authority or facts":"Detailed §600.9, §668.8, accreditation and foreign-school cross-references","Next bounded permissible investigation":"Read only the specific generic subdefinition necessary for a further classification question"},"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T08:49:29.019966+00:00","identity":"delegated coordinator /root/review_wv1; not independent","coverage_reconciliation":"[internal evidence reference]","row":4,"all_original_missing_evidence_retained":true,"parent_or_publication_acceptance":false}},{"topic":"Tax-definition cross-reference","researcher_record":{"Assigned subquestion or major branch":"Tax-definition cross-reference","Coverage status":"Answered to necessary extent","Claim/example links":"C006; S015","Exact missing authority or facts":"Further §501 exceptions and any tax-qualified-loan issue","Next bounded permissible investigation":"Separate tax component if needed; no status lookup"},"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T08:49:29.019966+00:00","identity":"delegated coordinator /root/review_wv1; not independent","coverage_reconciliation":"[internal evidence reference]","row":5,"all_original_missing_evidence_retained":true,"parent_or_publication_acceptance":false}},{"topic":"Postsecondary expenses and COA","researcher_record":{"Assigned subquestion or major branch":"Postsecondary expenses and COA","Coverage status":"Answered with narrow gap","Claim/example links":"C007–C008; E17","Exact missing authority or facts":"Actual expense/enrollment facts; integration of revised federal-fee wording","Next bounded permissible investigation":"Official amendment/interpretation addressing the fee cross-reference"},"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T08:49:29.019966+00:00","identity":"delegated coordinator /root/review_wv1; not independent","coverage_reconciliation":"[internal evidence reference]","row":6,"all_original_missing_evidence_retained":true,"parent_or_publication_acceptance":false}},{"topic":"Title IV exclusion","researcher_record":{"Assigned subquestion or major branch":"Title IV exclusion","Coverage status":"Answered","Claim/example links":"C009; E01","Exact missing authority or facts":"Actual program basis","Next bounded permissible investigation":"No ED collection research; generic program authority only if classification requires it"},"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T08:49:29.019966+00:00","identity":"delegated coordinator /root/review_wv1; not independent","coverage_reconciliation":"[internal evidence reference]","row":7,"all_original_missing_evidence_retained":true,"parent_or_publication_acceptance":false}},{"topic":"Other-purpose/unknown-purpose credit","researcher_record":{"Assigned subquestion or major branch":"Other-purpose/unknown-purpose credit","Coverage status":"Answered as unresolved classification","Claim/example links":"C004, C014, C017; E02","Exact missing authority or facts":"Express purpose and contract","Next bounded permissible investigation":"No actual fact investigation in this component"},"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T08:49:29.019966+00:00","identity":"delegated coordinator /root/review_wv1; not independent","coverage_reconciliation":"[internal evidence reference]","row":8,"all_original_missing_evidence_retained":true,"parent_or_publication_acceptance":false}},{"topic":"Open-end exclusion","researcher_record":{"Assigned subquestion or major branch":"Open-end exclusion","Coverage status":"Answered","Claim/example links":"C010; E03","Exact missing authority or facts":"Actual replenishment/repeated-transaction terms","Next bounded permissible investigation":"Generic contract structure only"},"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T08:49:29.019966+00:00","identity":"delegated coordinator /root/review_wv1; not independent","coverage_reconciliation":"[internal evidence reference]","row":9,"all_original_missing_evidence_retained":true,"parent_or_publication_acceptance":false}},{"topic":"Real-property/dwelling security exclusion","researcher_record":{"Assigned subquestion or major branch":"Real-property/dwelling security exclusion","Coverage status":"Answered","Claim/example links":"C010, C042; E04","Exact missing authority or facts":"Actual collateral terms","Next bounded permissible investigation":"No property query; separate generic secured-credit analysis if needed"},"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T08:49:29.019966+00:00","identity":"delegated coordinator /root/review_wv1; not independent","coverage_reconciliation":"[internal evidence reference]","row":10,"all_original_missing_evidence_retained":true,"parent_or_publication_acceptance":false}},{"topic":"Institutional ≤90-day credit","researcher_record":{"Assigned subquestion or major branch":"Institutional ≤90-day credit","Coverage status":"Answered","Claim/example links":"C011, C013; E05","Exact missing authority or facts":"Institution-as-creditor and actual term","Next bounded permissible investigation":"None needed for generic rule"},"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T08:49:29.019966+00:00","identity":"delegated coordinator /root/review_wv1; not independent","coverage_reconciliation":"[internal evidence reference]","row":11,"all_original_missing_evidence_retained":true,"parent_or_publication_acceptance":false}},{"topic":"Institutional ≤1-year/no-interest plan","researcher_record":{"Assigned subquestion or major branch":"Institutional ≤1-year/no-interest plan","Coverage status":"Answered","Claim/example links":"C012–C013; E06–E07","Exact missing authority or facts":"Interest, term, fee, installment, creditor facts","Next bounded permissible investigation":"Generic plan terms only; ordinary TILA questions remain separate"},"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T08:49:29.019966+00:00","identity":"delegated coordinator /root/review_wv1; not independent","coverage_reconciliation":"[internal evidence reference]","row":12,"all_original_missing_evidence_retained":true,"parent_or_publication_acceptance":false}},{"topic":"Tuition arrears/receivables","researcher_record":{"Assigned subquestion or major branch":"Tuition arrears/receivables","Coverage status":"Partial; parent preserved","Claim/example links":"C004, C017; E24","Exact missing authority or facts":"Right to defer and full obligation structure","Next bounded permissible investigation":"Separate generic tuition-receivable classification component"},"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T08:49:29.019966+00:00","identity":"delegated coordinator /root/review_wv1; not independent","coverage_reconciliation":"[internal evidence reference]","row":13,"all_original_missing_evidence_retained":true,"parent_or_publication_acceptance":false}},{"topic":"Unknown ISA/scholarship/overpayment","researcher_record":{"Assigned subquestion or major branch":"Unknown ISA/scholarship/overpayment","Coverage status":"Unresolved; parent preserved","Claim/example links":"C017; E22","Exact missing authority or facts":"Operative contractual/legal features","Next bounded permissible investigation":"Separate public-authority/generic-contract component without identifiers"},"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T08:49:29.019966+00:00","identity":"delegated coordinator /root/review_wv1; not independent","coverage_reconciliation":"[internal evidence reference]","row":14,"all_original_missing_evidence_retained":true,"parent_or_publication_acceptance":false}},{"topic":"Mixed-purpose loans","researcher_record":{"Assigned subquestion or major branch":"Mixed-purpose loans","Coverage status":"Answered","Claim/example links":"C014; E02","Exact missing authority or facts":"Actual express-use indication","Next bounded permissible investigation":"None needed for generic rule"},"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T08:49:29.019966+00:00","identity":"delegated coordinator /root/review_wv1; not independent","coverage_reconciliation":"[internal evidence reference]","row":15,"all_original_missing_evidence_retained":true,"parent_or_publication_acceptance":false}},{"topic":"Private consolidation/optional postgraduate loans","researcher_record":{"Assigned subquestion or major branch":"Private consolidation/optional postgraduate loans","Coverage status":"Answered, bounded","Claim/example links":"C015–C016","Exact missing authority or facts":"Actual underlying loan and expense categories; federal refinancing not resolved","Next bounded permissible investigation":"Separate generic refinancing classification if authorized"},"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T08:49:29.019966+00:00","identity":"delegated coordinator /root/review_wv1; not independent","coverage_reconciliation":"[internal evidence reference]","row":16,"all_original_missing_evidence_retained":true,"parent_or_publication_acceptance":false}},{"topic":"Application versus invitation/solicitation","researcher_record":{"Assigned subquestion or major branch":"Application versus invitation/solicitation","Coverage status":"Answered","Claim/example links":"C019–C020; E08","Exact missing authority or facts":"Actual communication","Next bounded permissible investigation":"None needed for generic trigger"},"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T08:49:29.019966+00:00","identity":"delegated coordinator /root/review_wv1; not independent","coverage_reconciliation":"[internal evidence reference]","row":17,"all_original_missing_evidence_retained":true,"parent_or_publication_acceptance":false}},{"topic":"Approval trigger and channel timing","researcher_record":{"Assigned subquestion or major branch":"Approval trigger and channel timing","Coverage status":"Answered","Claim/example links":"C021; E09","Exact missing authority or facts":"Approval wording, channel, mailing/delivery","Next bounded permissible investigation":"No actual notice audit"},"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T08:49:29.019966+00:00","identity":"delegated coordinator /root/review_wv1; not independent","coverage_reconciliation":"[internal evidence reference]","row":18,"all_original_missing_evidence_retained":true,"parent_or_publication_acceptance":false}},{"topic":"Final trigger and statutory/regulatory reconciliation","researcher_record":{"Assigned subquestion or major branch":"Final trigger and statutory/regulatory reconciliation","Coverage status":"Answered","Claim/example links":"C022–C023, C058; E13","Exact missing authority or facts":"State-law consummation and actual sequence","Next bounded permissible investigation":"Generic state-law issue only in a separately bounded component"},"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T08:49:29.019966+00:00","identity":"delegated coordinator /root/review_wv1; not independent","coverage_reconciliation":"[internal evidence reference]","row":19,"all_original_missing_evidence_retained":true,"parent_or_publication_acceptance":false}},{"topic":"All three-stage content lists","researcher_record":{"Assigned subquestion or major branch":"All three-stage content lists","Coverage status":"Answered, computation bounded","Claim/example links":"C043–C058","Exact missing authority or facts":"Actual terms; full pricing calculations","Next bounded permissible investigation":"§1026.4/.22/Appendix J only if a later pricing component requires them"},"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T08:49:29.019966+00:00","identity":"delegated coordinator /root/review_wv1; not independent","coverage_reconciliation":"[internal evidence reference]","row":20,"all_original_missing_evidence_retained":true,"parent_or_publication_acceptance":false}},{"topic":"Rate ranges and permitted estimates","researcher_record":{"Assigned subquestion or major branch":"Rate ranges and permitted estimates","Coverage status":"Answered","Claim/example links":"C043–C047, C054–C055, C061","Exact missing authority or facts":"Actual offered rates, fees, capitalization, ceilings","Next bounded permissible investigation":"Generic calculation rules; no actual lawful-APR finding"},"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T08:49:29.019966+00:00","identity":"delegated coordinator /root/review_wv1; not independent","coverage_reconciliation":"[internal evidence reference]","row":21,"all_original_missing_evidence_retained":true,"parent_or_publication_acceptance":false}},{"topic":"Federal-aid alternatives","researcher_record":{"Assigned subquestion or major branch":"Federal-aid alternatives","Coverage status":"Answered as disclosure duty","Claim/example links":"C049, C056","Exact missing authority or facts":"Actual current program rates and applicant eligibility; underlying rate-law cross-references","Next bounded permissible investigation":"Official generic Title IV rate provisions if a current rate table is separately required"},"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T08:49:29.019966+00:00","identity":"delegated coordinator /root/review_wv1; not independent","coverage_reconciliation":"[internal evidence reference]","row":22,"all_original_missing_evidence_retained":true,"parent_or_publication_acceptance":false}},{"topic":"Cosigner disclosures and recipient rules","researcher_record":{"Assigned subquestion or major branch":"Cosigner disclosures and recipient rules","Coverage status":"Answered, liability held","Claim/example links":"C048, C063; E15","Exact missing authority or facts":"Primary versus secondary obligation; other-law notices","Next bounded permissible investigation":"Separate generic cosigner-liability/release component"},"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T08:49:29.019966+00:00","identity":"delegated coordinator /root/review_wv1; not independent","coverage_reconciliation":"[internal evidence reference]","row":23,"all_original_missing_evidence_retained":true,"parent_or_publication_acceptance":false}},{"topic":"Clear/conspicuous, segregation, prominence","researcher_record":{"Assigned subquestion or major branch":"Clear/conspicuous, segregation, prominence","Coverage status":"Answered as rule; visual unresolved","Claim/example links":"C059–C060; E19","Exact missing authority or facts":"Actual pixels/layout","Next bounded permissible investigation":"Inspect official blank-form images when accessible; no unseen-layout certification"},"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T08:49:29.019966+00:00","identity":"delegated coordinator /root/review_wv1; not independent","coverage_reconciliation":"[internal evidence reference]","row":24,"all_original_missing_evidence_retained":true,"parent_or_publication_acceptance":false}},{"topic":"Electronic application exception","researcher_record":{"Assigned subquestion or major branch":"Electronic application exception","Coverage status":"Answered","Claim/example links":"C064; E18","Exact missing authority or facts":"Actual on-screen placement/bypass behavior","Next bounded permissible investigation":"Generic interface specification only"},"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T08:49:29.019966+00:00","identity":"delegated coordinator /root/review_wv1; not independent","coverage_reconciliation":"[internal evidence reference]","row":25,"all_original_missing_evidence_retained":true,"parent_or_publication_acceptance":false}},{"topic":"Electronic approval/final consent","researcher_record":{"Assigned subquestion or major branch":"Electronic approval/final consent","Coverage status":"Answered as statutory conditions","Claim/example links":"C065–C067; E18","Exact missing authority or facts":"Consent, access, retention, delivery/receipt","Next bounded permissible investigation":"No actual account/browser inspection"},"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T08:49:29.019966+00:00","identity":"delegated coordinator /root/review_wv1; not independent","coverage_reconciliation":"[internal evidence reference]","row":26,"all_original_missing_evidence_retained":true,"parent_or_publication_acceptance":false}},{"topic":"Business-day definition for each period","researcher_record":{"Assigned subquestion or major branch":"Business-day definition for each period","Coverage status":"Answered","Claim/example links":"C020–C027, C036; E10","Exact missing authority or facts":"Actual creditor business functions/calendar","Next bounded permissible investigation":"No personal calendar calculation"},"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T08:49:29.019966+00:00","identity":"delegated coordinator /root/review_wv1; not independent","coverage_reconciliation":"[internal evidence reference]","row":27,"all_original_missing_evidence_retained":true,"parent_or_publication_acceptance":false}},{"topic":"Mailed versus electronic receipt","researcher_record":{"Assigned subquestion or major branch":"Mailed versus electronic receipt","Coverage status":"Answered / electronic facts unresolved","Claim/example links":"C025, C067; E09, E18","Exact missing authority or facts":"Actual electronic receipt evidence","Next bounded permissible investigation":"Generic delivery-law interpretation if needed"},"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T08:49:29.019966+00:00","identity":"delegated coordinator /root/review_wv1; not independent","coverage_reconciliation":"[internal evidence reference]","row":28,"all_original_missing_evidence_retained":true,"parent_or_publication_acceptance":false}},{"topic":"Acceptance availability and methods","researcher_record":{"Assigned subquestion or major branch":"Acceptance availability and methods","Coverage status":"Answered","Claim/example links":"C024, C028–C029, C057; E09, E13","Exact missing authority or facts":"Actual receipt and acceptance","Next bounded permissible investigation":"No individual deadline"},"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T08:49:29.019966+00:00","identity":"delegated coordinator /root/review_wv1; not independent","coverage_reconciliation":"[internal evidence reference]","row":29,"all_original_missing_evidence_retained":true,"parent_or_publication_acceptance":false}},{"topic":"Index and beneficial changes","researcher_record":{"Assigned subquestion or major branch":"Index and beneficial changes","Coverage status":"Answered","Claim/example links":"C031–C032; E11, E23","Exact missing authority or facts":"Actual index, margin, benefit, independent authority","Next bounded permissible investigation":"Read any specifically asserted generic federal authorization before relying on it"},"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T08:49:29.019966+00:00","identity":"delegated coordinator /root/review_wv1; not independent","coverage_reconciliation":"[internal evidence reference]","row":30,"all_original_missing_evidence_retained":true,"parent_or_publication_acceptance":false}},{"topic":"Aid/COA/enrollment change exception","researcher_record":{"Assigned subquestion or major branch":"Aid/COA/enrollment change exception","Coverage status":"Answered","Claim/example links":"C033","Exact missing authority or facts":"Actual source and substance of information","Next bounded permissible investigation":"No school/borrower records inquiry"},"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T08:49:29.019966+00:00","identity":"delegated coordinator /root/review_wv1; not independent","coverage_reconciliation":"[internal evidence reference]","row":31,"all_original_missing_evidence_retained":true,"parent_or_publication_acceptance":false}},{"topic":"Consumer-requested changes","researcher_record":{"Assigned subquestion or major branch":"Consumer-requested changes","Coverage status":"Answered","Claim/example links":"C034; E12","Exact missing authority or facts":"Actual request, replacement acceptance","Next bounded permissible investigation":"None needed for generic conditions"},"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T08:49:29.019966+00:00","identity":"delegated coordinator /root/review_wv1; not independent","coverage_reconciliation":"[internal evidence reference]","row":32,"all_original_missing_evidence_retained":true,"parent_or_publication_acceptance":false}},{"topic":"Fraud/prohibited-law/mistake branches","researcher_record":{"Assigned subquestion or major branch":"Fraud/prohibited-law/mistake branches","Coverage status":"Answered within §48; other doctrines held","Claim/example links":"C030, C035; E23","Exact missing authority or facts":"Actual fraud/legal prohibition; error-defense law outside scope","Next bounded permissible investigation":"Separate generic statutory-defense analysis only if assigned"},"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T08:49:29.019966+00:00","identity":"delegated coordinator /root/review_wv1; not independent","coverage_reconciliation":"[internal evidence reference]","row":33,"all_original_missing_evidence_retained":true,"parent_or_publication_acceptance":false}},{"topic":"Cancellation procedure and earliest funding","researcher_record":{"Assigned subquestion or major branch":"Cancellation procedure and earliest funding","Coverage status":"Answered","Claim/example links":"C036–C039; E13–E14","Exact missing authority or facts":"Actual notice, dispatch, end-of-period facts","Next bounded permissible investigation":"No actual cancellation or disbursement audit"},"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T08:49:29.019966+00:00","identity":"delegated coordinator /root/review_wv1; not independent","coverage_reconciliation":"[internal evidence reference]","row":34,"all_original_missing_evidence_retained":true,"parent_or_publication_acceptance":false}},{"topic":"Fee-free cancellation, return, prepayment","researcher_record":{"Assigned subquestion or major branch":"Fee-free cancellation, return, prepayment","Coverage status":"Answered with return limits","Claim/example links":"C039–C041; E14","Exact missing authority or facts":"Actual fee character, voluntary longer-period terms, return mechanics","Next bounded permissible investigation":"Separate generic refund/return provisions if necessary"},"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T08:49:29.019966+00:00","identity":"delegated coordinator /root/review_wv1; not independent","coverage_reconciliation":"[internal evidence reference]","row":35,"all_original_missing_evidence_retained":true,"parent_or_publication_acceptance":false}},{"topic":"Home rescission and later relief distinctions","researcher_record":{"Assigned subquestion or major branch":"Home rescission and later relief distinctions","Coverage status":"Answered as distinction; broader law excluded","Claim/example links":"C042; E04","Exact missing authority or facts":"Full rescission/remedy/discharge facts and law","Next bounded permissible investigation":"Preserve for respective parent components"},"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T08:49:29.019966+00:00","identity":"delegated coordinator /root/review_wv1; not independent","coverage_reconciliation":"[internal evidence reference]","row":36,"all_original_missing_evidence_retained":true,"parent_or_publication_acceptance":false}},{"topic":"Self-certification statute/regulation","researcher_record":{"Assigned subquestion or major branch":"Self-certification statute/regulation","Coverage status":"Answered","Claim/example links":"C068–C073; E16–E17","Exact missing authority or facts":"Actual attendance, form, signature, consummation","Next bounded permissible investigation":"No actual form completion"},"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T08:49:29.019966+00:00","identity":"delegated coordinator /root/review_wv1; not independent","coverage_reconciliation":"[internal evidence reference]","row":37,"all_original_missing_evidence_retained":true,"parent_or_publication_acceptance":false}},{"topic":"School provision/assistance duties","researcher_record":{"Assigned subquestion or major branch":"School provision/assistance duties","Coverage status":"Answered, bounded","Claim/example links":"C071, C073","Exact missing authority or facts":"Actual request/information possessed","Next bounded permissible investigation":"No contacts or records requests"},"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T08:49:29.019966+00:00","identity":"delegated coordinator /root/review_wv1; not independent","coverage_reconciliation":"[internal evidence reference]","row":38,"all_original_missing_evidence_retained":true,"parent_or_publication_acceptance":false}},{"topic":"ED electronic-signature requirements","researcher_record":{"Assigned subquestion or major branch":"ED electronic-signature requirements","Coverage status":"Unresolved authority gap","Claim/example links":"C073; E18","Exact missing authority or facts":"Specific ED-issued standards referenced by comment 48(e)-2","Next bounded permissible investigation":"Locate official generic ED standards/instructions"},"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T08:49:29.019966+00:00","identity":"delegated coordinator /root/review_wv1; not independent","coverage_reconciliation":"[internal evidence reference]","row":39,"all_original_missing_evidence_retained":true,"parent_or_publication_acceptance":false}},{"topic":"Estimated aid/COA and form difference","researcher_record":{"Assigned subquestion or major branch":"Estimated aid/COA and form difference","Coverage status":"Answered as form function","Claim/example links":"C061, C072, C075; E17","Exact missing authority or facts":"Actual estimates; current form integration","Next bounded permissible investigation":"Official generic instructions only; no award calculation"},"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T08:49:29.019966+00:00","identity":"delegated coordinator /root/review_wv1; not independent","coverage_reconciliation":"[internal evidence reference]","row":40,"all_original_missing_evidence_retained":true,"parent_or_publication_acceptance":false}},{"topic":"Current blank form/OMB status","researcher_record":{"Assigned subquestion or major branch":"Current blank form/OMB status","Coverage status":"Partial","Claim/example links":"C074–C075; E20","Exact missing authority or facts":"Official replacement/reapproval/current approval status","Next bounded permissible investigation":"Locate official blank replacement or published reapproval instructions without identifier testing"},"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T08:49:29.019966+00:00","identity":"delegated coordinator /root/review_wv1; not independent","coverage_reconciliation":"[internal evidence reference]","row":41,"all_original_missing_evidence_retained":true,"parent_or_publication_acceptance":false}},{"topic":"H-18–H-23 content and safe harbor","researcher_record":{"Assigned subquestion or major branch":"H-18–H-23 content and safe harbor","Coverage status":"Answered in text; visual partial","Claim/example links":"C076–C079; E19, E21","Exact missing authority or facts":"Current embedded pixels and H-23 text reconciliation","Next bounded permissible investigation":"Public official image/form comparison only"},"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T08:49:29.019966+00:00","identity":"delegated coordinator /root/review_wv1; not independent","coverage_reconciliation":"[internal evidence reference]","row":42,"all_original_missing_evidence_retained":true,"parent_or_publication_acceptance":false}},{"topic":"Final-rule/transition history","researcher_record":{"Assigned subquestion or major branch":"Final-rule/transition history","Coverage status":"Answered for material transitions","Claim/example links":"C082–C084","Exact missing authority or facts":"Full annual-CFR/session-law chain not audited","Next bounded permissible investigation":"Bounded official edition/session-law comparison if separately needed"},"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T08:49:29.019966+00:00","identity":"delegated coordinator /root/review_wv1; not independent","coverage_reconciliation":"[internal evidence reference]","row":43,"all_original_missing_evidence_retained":true,"parent_or_publication_acceptance":false}},{"topic":"Withdrawn CFPB guidance","researcher_record":{"Assigned subquestion or major branch":"Withdrawn CFPB guidance","Coverage status":"Answered for guidance mentioned","Claim/example links":"C085","Exact missing authority or facts":"No other advisory used as operative law","Next bounded permissible investigation":"Recheck only any additional guidance actually proposed for use"},"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T08:49:29.019966+00:00","identity":"delegated coordinator /root/review_wv1; not independent","coverage_reconciliation":"[internal evidence reference]","row":44,"all_original_missing_evidence_retained":true,"parent_or_publication_acceptance":false}},{"topic":"Future/proposed/stayed/vacated/repealed status","researcher_record":{"Assigned subquestion or major branch":"Future/proposed/stayed/vacated/repealed status","Coverage status":"Bounded/unknown beyond checks","Claim/example links":"C086","Exact missing authority or facts":"Complete amendment and judicial-history audit","Next bounded permissible investigation":"Published authority review only if material; no docket/status query"},"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T08:49:29.019966+00:00","identity":"delegated coordinator /root/review_wv1; not independent","coverage_reconciliation":"[internal evidence reference]","row":45,"all_original_missing_evidence_retained":true,"parent_or_publication_acceptance":false}},{"topic":"Ancillary co-branding/preferred-lender provisions","researcher_record":{"Assigned subquestion or major branch":"Ancillary co-branding/preferred-lender provisions","Coverage status":"Answered within §48","Claim/example links":"C080–C081","Exact missing authority or facts":"Other HEA conflict/arrangement obligations and actual facts","Next bounded permissible investigation":"Separate generic institutional-lending component"},"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T08:49:29.019966+00:00","identity":"delegated coordinator /root/review_wv1; not independent","coverage_reconciliation":"[internal evidence reference]","row":46,"all_original_missing_evidence_retained":true,"parent_or_publication_acceptance":false}},{"topic":"Numerical illustration","researcher_record":{"Assigned subquestion or major branch":"Numerical illustration","Coverage status":"Not needed","Claim/example links":"C046, C054–C055, C072","Exact missing authority or facts":"No actual inputs","Next bounded permissible investigation":"None; no invented deadline, award, price, or APR"},"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T08:49:29.019966+00:00","identity":"delegated coordinator /root/review_wv1; not independent","coverage_reconciliation":"[internal evidence reference]","row":47,"all_original_missing_evidence_retained":true,"parent_or_publication_acceptance":false}},{"topic":"Blank worksheet and qualitative branches","researcher_record":{"Assigned subquestion or major branch":"Blank worksheet and qualitative branches","Coverage status":"Delivered","Claim/example links":"Worksheet; E01–E24","Exact missing authority or facts":"All worksheet factual entries intentionally blank","Next bounded permissible investigation":"No operational use or acceptance implied"},"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T08:49:29.019966+00:00","identity":"delegated coordinator /root/review_wv1; not independent","coverage_reconciliation":"[internal evidence reference]","row":48,"all_original_missing_evidence_retained":true,"parent_or_publication_acceptance":false}},{"topic":"Cases, standing, remedies, filing questions","researcher_record":{"Assigned subquestion or major branch":"Cases, standing, remedies, filing questions","Coverage status":"Excluded / not necessary here","Claim/example links":"C035, C042, C086","Exact missing authority or facts":"No majority opinion or later history used","Next bounded permissible investigation":"Published majority opinion only if a future bounded interpretive issue makes it necessary"},"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T08:49:29.019966+00:00","identity":"delegated coordinator /root/review_wv1; not independent","coverage_reconciliation":"[internal evidence reference]","row":49,"all_original_missing_evidence_retained":true,"parent_or_publication_acceptance":false}},{"topic":"R017/T006 and ED federal collection","researcher_record":{"Assigned subquestion or major branch":"R017/T006 and ED federal collection","Coverage status":"Excluded by assignment","Claim/example links":"C009 and parent holds","Exact missing authority or facts":"No prior report or federal collection foundation","Next bounded permissible investigation":"No duplication or continuation inferred"},"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T08:49:29.019966+00:00","identity":"delegated coordinator /root/review_wv1; not independent","coverage_reconciliation":"[internal evidence reference]","row":50,"all_original_missing_evidence_retained":true,"parent_or_publication_acceptance":false}},{"topic":"Remaining A018 dimensions","researcher_record":{"Assigned subquestion or major branch":"Remaining A018 dimensions","Coverage status":"Preserved","Claim/example links":"C017, C042 and holds below","Exact missing authority or facts":"All unaddressed legal/product/contract/state/country facts","Next bounded permissible investigation":"Separate focused components; no parent closure"},"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T08:49:29.019966+00:00","identity":"delegated coordinator /root/review_wv1; not independent","coverage_reconciliation":"[internal evidence reference]","row":51,"all_original_missing_evidence_retained":true,"parent_or_publication_acceptance":false}}],"annotations":{},"corrections":[],"resolved_corrections":[],"review_history":[{"id":"R018-P1-SCOPED","status":"reviewed_scoped_partial_with_holds","at":null},{"id":"R018-P1-V001","status":"validation_only_not_established_error","at":null},{"id":"R018-P1-V002","status":"validation_only_not_established_error","at":null},{"id":"R018-P1-V003","status":"validation_only_not_established_error","at":null},{"id":"R018-P1-V004","status":"validation_only_not_established_error","at":null}]}