{"meta":{"key":"r080--pass-01","task":"R080","title":"Federal financial-literacy and education statutory framework","parent_title":"Debt psychology and behavior","edition":"pass-01","path":"/research/r080--pass-01/","kind":"split_pass","category":"subject","role":"primary_area","area_numbers":[80],"groups":["life"],"date":"2026-10-28","tables":15,"claims":74,"sources":19,"review_status":"reviewed_scoped_partial_with_holds","review_complete":true,"sha256":"3313effea071179c3119ba5c3bbb9b1a4c29a9adc1a78063ac2d327abf79445d","headings":["Federal financial-literacy and education statutory framework","1. Source register","Reading conventions","A. Selected current statutory bodies","B. Enactments, narrow incorporations, commencement instruments, and explanation","2. Atomic claim register","A. Organization, definitions, history, and source status","B. Commission establishment, membership, administration, and powers","C. Educational subjects, public information, strategy, and reports","D. Studies, campaign, resources, and inference limits","3. Provision-specific comparison","4. Measurement and timing register","A. Institutional requirements and study measures","B. Enactment, transition, and source-status dates","5. Conditional legal-category branches and branch-level coverage","6. Wholly blank analytical worksheet","7. Granular requested-coverage table","8. Source-read and failure log","9. Explicit remaining gaps","A. Legal and source-status gaps","B. Missing evidence for remaining A080 dimensions","10. Researcher self-check — not independent review"],"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":"R080/pass-01","facets":{"geography":["us","us-federal"],"debt_type":[],"stage":[],"subject":[]},"scope":"Independent institutional financial-literacy20USC9701-9708 public statutory component; empirical and clinical dimensions held","pending_corrections":0},"markdown":"# SettleADebt R080 PASS-01\n\n## Federal financial-literacy and education statutory framework\n\n**The selected provisions establish an institutional framework for financial education, coordination, public information, and evaluation. They do not establish that an educational intervention works, measure anyone’s literacy or capacity, or determine whether a debt is valid, payable, settled, or discharged.** The operative distinctions are between duties assigned to the Commission and other federal offices, discretion within those duties, statutory subjects for education, and evidence of actual implementation or effects. Those distinctions are maintained throughout this report. **C015, C023–C073.** [uscode.house.gov+3](https://uscode.house.gov/us/usc/119-134/t20/s9702/?utm_source=chatgpt.com)\n\n**Access date:** October 27, 2026, America/Los_Angeles, PDT. The independently opened United States Code pages displayed laws in effect through **Public Law 119-134, October 20, 2026**. That compilation cutoff is distinct from this research access date. The current eCFR page used for the narrow effective-date incorporation displayed Title 16 as current through **October 23, 2026**. Neither display establishes an exhaustive later-law or judicial-history check. **C001–C002, C014.** [uscode.house.gov+2](https://uscode.house.gov/us/usc/119-134/t20/s9701/?utm_source=chatgpt.com)\n\nAll eight selected sections were readable in current official individual-section bodies. They are located in **Title 20, Chapter 77, “Financial Literacy and Education Improvement.”** No number within the selected interval was presented as reserved, repealed, or transferred. This is a finding about **§§9701–9708**, not a representation that the chapter ends at §9708 or that every related federal financial-education authority has been examined. The failed chapter-index accesses remain in the failure log. **C001–C002.**\n\nThree qualifications materially affect the reading:\n\n- The higher-education provision requires the Commission to establish, maintain, update, and publish best-practices information, but expressly says that the paragraph does **not require an institution of higher education to adopt it**. **C032–C035.**\n- The campaign-report clause in §9707(e) refers to appropriations authorized in **“subsection (e)”**. The original enacted text contains the same self-reference; the Code’s editorial footnote says it probably should refer to subsection (f). This report preserves the enacted wording and the editorial distinction. **C065.**\n- Section 9707(f) contains an authorization using a stated dollar ceiling and historical fiscal years; §9708 separately authorizes sums necessary for Commission functions. Neither is evidence of an appropriation, expenditure, award, recipient, or completed campaign. **C066–C068.** [govinfo.gov+3](https://www.govinfo.gov/content/pkg/PLAW-115publ174/html/PLAW-115publ174.htm?utm_source=chatgpt.com)\n\n## 1. Source register\n\n### Reading conventions\n\n- **A** means actually accessed **October 27, 2026, America/Los_Angeles, PDT**.\n- **V** means the OLRC page displayed: laws in effect through **P.L. 119-134, October 20, 2026**.\n- **OLRC** is the Office of the Law Revision Counsel. Its Code compilation and the underlying enacted Acts are distinguished below.\n- Section and paragraph references identify the actual legal text read. HTML line numbers are retrieval aids, not statutory pagination.\n- Printed Federal Register pages and zero-based PDF indices are stated separately. PDF reading below was **parsed text**, not a claim of pixel inspection.\n- The eight Code sections are subdivisions of the same statutory framework. HTML, PDF, codification, and enactment formats are **not independent corroborating studies**.\n- Short references such as **S003** and **C032** below mean **R080-P1-S003** and **R080-P1-C032**.\n\n### A. Selected current statutory bodies\n\n| Source ID; issuer/title | Complete literal HTTPS URL | Exact read extent | Version, legal status, commencement, access, and limits |\n| --- | --- | --- | --- |\n| **R080-P1-S001 — Congress/OLRC, 20 U.S.C. §9701, Definitions** | [https://uscode.house.gov/us/usc/119-134/t20/s9701/](https://uscode.house.gov/us/usc/119-134/t20/s9701/?utm_source=chatgpt.com) | Complete statutory body, paragraphs (1)–(2); source credit; effective-date and short-title notes. Appended executive-document material was screened for relevant references, but not authenticated as a complete current executive-order regime. | **V; A.** Official current Code presentation of enacted law. Original §512 of P.L. 108-159. Effective-date incorporation traced through S009 and S015–S018. Separate presidential advisory-council provisions and their later histories are not adopted as current definitions for this pass. [uscode.house.gov](https://uscode.house.gov/us/usc/119-134/t20/s9701/?utm_source=chatgpt.com) |\n| **R080-P1-S002 — Congress/OLRC, §9702, Establishment of Financial Literacy and Education Commission** | [https://uscode.house.gov/us/usc/119-134/t20/s9702/](https://uscode.house.gov/us/usc/119-134/t20/s9702/?utm_source=chatgpt.com) | Complete (a)–(g), including every membership category, alternates, leadership, meetings, quorum, initial meeting; source, amendment, and effective-date notes. | **V; A.** Original §513; current body includes the 2010 amendment adding the Bureau director and vice-chair role. Enacted amendment and its applicable commencement clause independently read in S010. No roster or actual appointment verification. [uscode.house.gov](https://uscode.house.gov/us/usc/119-134/t20/s9702/?utm_source=chatgpt.com) |\n| **R080-P1-S003 — Congress/OLRC, §9703, Duties of the Commission** | [https://uscode.house.gov/us/usc/119-134/t20/s9703/](https://uscode.house.gov/us/usc/119-134/t20/s9703/?utm_source=chatgpt.com) | Complete (a)–(i), including (a)(2)(A)–(J), all of (a)(3)(A)–(D), website clauses, strategy, consultation, all report contents, and testimony; source, amendment, effective-date, and definitions notes. | **V; A.** Original §514, with 2018 higher-education amendment. S011 supplies the actual amendatory body. Duties and deadlines are not findings of completion, accessibility compliance, material quality, or efficacy. [uscode.house.gov](https://uscode.house.gov/us/usc/119-134/t20/s9703/?utm_source=chatgpt.com) |\n| **R080-P1-S004 — Congress/OLRC, §9704, Powers of the Commission** | [https://uscode.house.gov/us/usc/119-134/t20/s9704/](https://uscode.house.gov/us/usc/119-134/t20/s9704/?utm_source=chatgpt.com) | Complete (a)(1)–(2), (b), (c), and (d), including listed hearing-participant categories and conditions on federal information requests; source and effective-date note. | **V; A.** Original §515. Initial access failures were followed by a successful ordinary official-section opening. No hearing, witness, information request, or actual study inspected. [uscode.house.gov](https://uscode.house.gov/us/usc/119-134/t20/s9704/?utm_source=chatgpt.com) |\n| **R080-P1-S005 — Congress/OLRC, §9705, Commission personnel matters** | [https://uscode.house.gov/us/usc/119-134/t20/s9705/](https://uscode.house.gov/us/usc/119-134/t20/s9705/?utm_source=chatgpt.com) | Complete (a), (b), and (c)(1)–(2); source and effective-date note. | **V; A.** Original §516. Travel-rate incorporation is preserved, but the separate Title 5 travel regime and current rates are not supplied. The statutory Treasury office wording is reported without an organizational or personnel audit. [uscode.house.gov](https://uscode.house.gov/us/usc/119-134/t20/s9705/?utm_source=chatgpt.com) |\n| **R080-P1-S006 — Congress/OLRC, §9706, Studies by the Comptroller General** | [https://uscode.house.gov/us/usc/119-134/t20/s9706/](https://uscode.house.gov/us/usc/119-134/t20/s9706/?utm_source=chatgpt.com) | Complete (a), (b)(1), (b)(2)(A)–(E), and (b)(3); source, effective-date, and definitions notes. | **V; A.** Original §517. Actual reports, data, study findings, and compliance with historical deadlines were not investigated. The Act-level definition incorporation was read in S009. [uscode.house.gov](https://uscode.house.gov/us/usc/119-134/t20/s9706/?utm_source=chatgpt.com) |\n| **R080-P1-S007 — Congress/OLRC, §9707, The national public service multimedia campaign to enhance the state of financial literacy** | [https://uscode.house.gov/us/usc/119-134/t20/s9707/](https://uscode.house.gov/us/usc/119-134/t20/s9707/?utm_source=chatgpt.com) | Complete (a)–(f), including every program requirement, multilingual discretion, measures, reporting trigger, funding language, effective-date note, and editorial footnote to (e). | **V; A.** Original §518. Historical fiscal-year authorization remains displayed in the current Code. The original self-reference in (e) was verified in S009. No silent correction, appropriation finding, or campaign evaluation. [uscode.house.gov](https://uscode.house.gov/us/usc/119-134/t20/s9707/?utm_source=chatgpt.com) |\n| **R080-P1-S008 — Congress/OLRC, §9708, Authorization of appropriations** | [https://uscode.house.gov/us/usc/119-134/t20/s9708/](https://uscode.house.gov/us/usc/119-134/t20/s9708/?utm_source=chatgpt.com) | Complete unnumbered statutory paragraph, source credit, and effective-date note. | **V; A.** Original §519. Open-ended authorization wording; no appropriation or spending instrument examined. No conclusion that this is the chapter’s last section. [uscode.house.gov](https://uscode.house.gov/us/usc/119-134/t20/s9708/?utm_source=chatgpt.com) |\n\n### B. Enactments, narrow incorporations, commencement instruments, and explanation\n\n| Source ID; issuer/title | Complete literal HTTPS URL | Exact read extent | Version/status, dates, access, and limits |\n| --- | --- | --- | --- |\n| **R080-P1-S009 — Congress/GPO, Fair and Accurate Credit Transactions Act of 2003, P.L. 108-159** | [https://www.govinfo.gov/content/pkg/PLAW-108publ159/html/PLAW-108publ159.htm](https://www.govinfo.gov/content/pkg/PLAW-108publ159/html/PLAW-108publ159.htm?utm_source=chatgpt.com) | Complete §§2–3; complete Title V, §§511–519. HTML includes printed markers **117 Stat. 1953 and 2003–2010**. Original §518(e)–(f) specifically compared with current §9707. | Enacted **December 4, 2003**; historical enactment establishing the framework, not an unamended current substitute. **A.** Selected complete clauses/title, not the whole Act. No PDF indices: HTML used. [govinfo.gov+3](https://www.govinfo.gov/content/pkg/PLAW-108publ159/html/PLAW-108publ159.htm?utm_source=chatgpt.com) |\n| **R080-P1-S010 — Congress/GPO, Dodd-Frank Wall Street Reform and Consumer Protection Act, P.L. 111-203** | [https://www.govinfo.gov/content/pkg/PLAW-111publ203/html/PLAW-111publ203.htm](https://www.govinfo.gov/content/pkg/PLAW-111publ203/html/PLAW-111publ203.htm?utm_source=chatgpt.com) | Enactment header; complete §1013(d)(5)–(6) and §1018; complete §311(a)–(b), §351, §363(1)(C) with amendatory lead-in, and §364(a) as the narrow exception identified by §351. Relevant printed markers include **124 Stat. 1971, 1979, and 1550**. | Enacted **July 21, 2010**. §1018 makes its subtitle effective on enactment. The separate banking-definition amendment uses the Title III transfer-date framework, not §1018. **A.** No whole-Act read; no actual transfer-date designation or current officeholder inquiry. [govinfo.gov+5](https://www.govinfo.gov/content/pkg/PLAW-111publ203/html/PLAW-111publ203.htm?utm_source=chatgpt.com) |\n| **R080-P1-S011 — Congress/GPO, Economic Growth, Regulatory Relief, and Consumer Protection Act, P.L. 115-174** | [https://www.govinfo.gov/content/pkg/PLAW-115publ174/html/PLAW-115publ174.htm](https://www.govinfo.gov/content/pkg/PLAW-115publ174/html/PLAW-115publ174.htm?utm_source=chatgpt.com) | Enactment header; complete §603, including all added (a)(3)(A)–(D); approval line. Printed **132 Stat. 1367–1368**; HTML, not PDF. | Enacted **May 24, 2018**. The new establishment deadline is anchored to enactment; maintenance/public-availability duties and the nonmandatory-adoption clause are in the actual amendment. **A.** No whole-Act or completed best-practices-report review. [govinfo.gov+1](https://www.govinfo.gov/content/pkg/PLAW-115publ174/html/PLAW-115publ174.htm?utm_source=chatgpt.com) |\n| **R080-P1-S012 — Congress/OLRC, 12 U.S.C. §1813, Definitions** | [https://uscode.house.gov/us/usc/119-134/t12/s1813/](https://uscode.house.gov/us/usc/119-134/t12/s1813/?utm_source=chatgpt.com) | Complete **(z)**, “Federal banking agency”; relevant 2010 amendment note, used as a lead and checked against S010. | **V; A.** Direct incorporation in §9702(c)(1)(B). Other banking definitions and supervisory regimes are not comprehensively analyzed. [uscode.house.gov+1](https://uscode.house.gov/us/usc/119-134/t12/s1813/?utm_source=chatgpt.com) |\n| **R080-P1-S013 — Congress/OLRC, 15 U.S.C. §1681a, Definitions; rules of construction** | [https://uscode.house.gov/us/usc/119-134/t15/s1681a/](https://uscode.house.gov/us/usc/119-134/t15/s1681a/?utm_source=chatgpt.com) | Complete narrow clauses **(a)–(d), (f), (r)(5), (s), and (t)** were read; relevant cross-reference/editorial material inspected. Reliance here is principally on **(c), (s), and (t)** and identification of the remaining incorporation boundaries. | **V; A.** The Act’s §2 incorporates specified FCRA terms. No complete FCRA classification, disclosure, correction, permissible-purpose, sharing, or enforcement analysis. Nested cross-references in the consumer-report definition remain held for actual legal classification. [uscode.house.gov+1](https://uscode.house.gov/us/usc/119-134/t15/s1681a/?utm_source=chatgpt.com) |\n| **R080-P1-S014 — Congress/OLRC, 12 U.S.C. §461, Reserve requirements** | [https://uscode.house.gov/us/usc/119-134/t12/s461/](https://uscode.house.gov/us/usc/119-134/t12/s461/?utm_source=chatgpt.com) | Complete **(b)(1)(C)** transaction-account definition and **(b)(1)(F)** related anti-evasion determination authority, with subsection lead-in. | **V; A.** Only the definition needed for S013(t) and its narrow qualification are relied on. Reserve ratios, banking operations, and actual account classifications are excluded. [uscode.house.gov](https://uscode.house.gov/us/usc/119-134/t12/s461/?utm_source=chatgpt.com) |\n| **R080-P1-S015 — Federal Reserve Board/FTC, Effective Dates for the FACT Act, joint interim final rules** | [https://www.govinfo.gov/content/pkg/FR-2003-12-24/html/03-31359.htm](https://www.govinfo.gov/content/pkg/FR-2003-12-24/html/03-31359.htm?utm_source=chatgpt.com) | Header/DATES; complete material effective-date explanation, including enactment-anchored agency duties versus unspecified implementation authority; complete initial **16 CFR 602.1**, with parallel 12 CFR text read for context. Printed **68 FR 74467–74469**; HTML. | Published **December 24, 2003**; stated effective date **December 31, 2003**. Historical interim instrument, subsequently finalized in S016. **A.** Broader FCRA substantive rights and preemption are not decided here. [govinfo.gov+2](https://www.govinfo.gov/content/pkg/FR-2003-12-24/html/03-31359.htm?utm_source=chatgpt.com) |\n| **R080-P1-S016 — Federal Reserve Board/FTC, Effective Dates for the FACT Act, joint final rules** | [https://www.govinfo.gov/content/pkg/FR-2004-02-11/html/04-2913.htm](https://www.govinfo.gov/content/pkg/FR-2004-02-11/html/04-2913.htm?utm_source=chatgpt.com) [https://www.govinfo.gov/link/fr/69/6526](https://www.govinfo.gov/link/fr/69/6526?utm_source=chatgpt.com) | HTML: header/DATES; §III explanation concerning enactment-anchored actions and §__.1(c)(1)(ii); complete FTC amendatory addition of §602.1(c)(2)–(3). PDF: selected corresponding text, printed **6526 / index 0**, **6530 / index 4**, **6531 / index 5**. | Published **February 11, 2004**; rule effective **March 12, 2004**. Finalizes the interim approach and supplies additional schedules. **A.** PDF parsed text only; not every page or every FCRA issue analyzed. HTML and PDF are the same instrument. [govinfo.gov+3](https://www.govinfo.gov/content/pkg/FR-2004-02-11/html/04-2913.htm?utm_source=chatgpt.com) |\n| **R080-P1-S017 — FTC, Amendment of Rules Under the FACT Act** | [https://www.govinfo.gov/content/pkg/FR-2004-05-20/pdf/04-11329.pdf](https://www.govinfo.gov/content/pkg/FR-2004-05-20/pdf/04-11329.pdf?utm_source=chatgpt.com) [https://www.federalregister.gov/documents/2004/05/20/04-11329/amendment-of-rules-under-the-fact-act](https://www.federalregister.gov/documents/2004/05/20/04-11329/amendment-of-rules-under-the-fact-act) | DATES; relevant introductory explanation and complete §I discussion of Part 602; complete amendatory item 1 replacing Part 602. Official PDF: printed **29061 / index 0**, **29062 / index 1**, **29063 / index 2**, selected text. | Published **May 20, 2004**; effective **June 21, 2004**. Technical title/description changes; preamble expressly disclaims alteration of the jointly adopted effective dates. **A.** GovInfo HTML endpoint failed; official PDF was readable. FederalRegister.gov XML is an explanatory rendition, not the official legal edition; PDF parsed, not visually inspected. [govinfo.gov+4](https://www.govinfo.gov/content/pkg/FR-2004-05-20/pdf/04-11329.pdf?utm_source=chatgpt.com) |\n| **R080-P1-S018 — FTC/eCFR, 16 CFR Part 602, Fair and Accurate Credit Transactions Act of 2003** | [https://www.ecfr.gov/current/title-16/chapter-I/subchapter-F/part-602](https://www.ecfr.gov/current/title-16/chapter-I/subchapter-F/part-602?utm_source=chatgpt.com) | Complete part authority and **§602.1**, including reserved (a)–(b), all of (c)(1)–(3), and source credit. | Displayed Title 16 current through **October 23, 2026**, last title amendment **October 19, 2026**. Those are compilation/title dates, not a new §602.1 effective date. **A.** eCFR describes itself as continuously updated, not an official legal edition; adoption text checked in S015–S017. [ecfr.gov+1](https://www.ecfr.gov/current/title-16/chapter-I/subchapter-F/part-602?utm_source=chatgpt.com) |\n| **R080-P1-S019 — Federal MyMoney.gov/FLEC program site, “About MyMoney.gov”** | [https://www.mymoney.gov/About-Us](https://www.mymoney.gov/About-Us?utm_source=chatgpt.com) | Complete introductory institutional-description paragraphs under the page heading, before “Learn More” and “Our Members.” | **A.** Official generic program explanation; no displayed publication/edition date established for the selected paragraphs. It self-describes the site as a FLEC product and uses “financial capability.” No roster, composition estimate, linked program, actual material, meeting, or website-compliance audit was used as evidence of statutory compliance. [MyMoney.gov](https://www.mymoney.gov/About-Us?utm_source=chatgpt.com) |\n\n## 2. Atomic claim register\n\nThe following propositions are the report’s substantive legal findings. A statement identified as a **textual limit** is a bounded inference from the selected provisions, not a conclusion that no other law could address the subject.\n\n### A. Organization, definitions, history, and source status\n\n| Claim ID | Supported proposition | Conditions, limitations, and exact evidence |\n| --- | --- | --- |\n| **R080-P1-C001** | The selected interval contains substantive §§9701–9708 in Title 20, Chapter 77, with the titles shown in S001–S008. | All selected bodies were read. Their displayed compilation is through P.L. 119-134, October 20, 2026. No assertion that this interval exhausts Chapter 77. **S001–S008, section headings and bodies.** |\n| **R080-P1-C002** | Actual access occurred October 27, 2026 PDT; some original endpoints failed before readable official alternatives or ordinary section navigation succeeded. | Research observation, documented in the log. Access date, compilation cutoff, publication, amendment, and effectiveness are separate. No exhaustive post-cutoff enactment or judicial-history claim. |\n| **R080-P1-C003** | The original framework was enacted in Title V of P.L. 108-159; §511 gives the short title “Financial Literacy and Education Improvement Act.” | Complete §§511–519 and Act §§2–3 read. In Act §2, “Commission” means FTC **except in Title V**; Title V’s own Commission is FLEC. **S009 §§2, 511–519; S001–S002.** [govinfo.gov+1](https://www.govinfo.gov/content/pkg/PLAW-108publ159/html/PLAW-108publ159.htm?utm_source=chatgpt.com) |\n| **R080-P1-C004** | Section 9701 expressly defines “Chairperson” and “Commission” by reference to FLEC and its establishment under §9702. | These are institutional definitions. They do not define an individual’s literacy, competence, or financial need. **S001 §9701(1)–(2).** |\n| **R080-P1-C005** | The selected enacted sections use financial literacy and education without supplying a psychometric, clinical, scoring, or incapacity definition. They do not define “financial capability” as an individual eligibility test. | **Textual limit of §§9701–9708.** This does not deny that other instruments use or define related terms. Appended executive-order terminology and the program page are not imported into §9701. No automatic higher-education definition from another chapter is assumed. **S001–S008; S003(a)(3); S019.** |\n| **R080-P1-C006** | Act §2(3) incorporates specified FCRA meanings, including “consumer”; current §1681a(c) defines consumer as an individual. | The incorporation also names consumer report, consumer reporting agency, creditor, federal banking agencies, and financial institution. This pass does not resolve the full nested FCRA classification or rights regime. **S009 §2(3); S013 §1681a(c), (d), (f), (r)(5), (s), (t).** [govinfo.gov+2](https://www.govinfo.gov/content/pkg/PLAW-108publ159/html/PLAW-108publ159.htm?utm_source=chatgpt.com) |\n| **R080-P1-C007** | The current federal-banking-agency definition directly incorporated by §9702(c)(1)(B) names the Comptroller of the Currency, Federal Reserve Board, and FDIC. | These are statutory offices/entities, not a verified roster of their current heads. **S002(c)(1)(B); S012 §1813(z).** [uscode.house.gov](https://uscode.house.gov/us/usc/119-134/t12/s1813/?utm_source=chatgpt.com) |\n| **R080-P1-C008** | The incorporated financial-institution definition includes the enumerated bank, savings-association, mutual-savings-bank, and credit-union categories, plus another person directly or indirectly holding a consumer’s transaction account. | Section 461(b)(1)(C) defines the account by permitted withdrawal/payment-transfer functions and includes the specified account categories. Section (F) separately authorizes anti-evasion determinations after the specified regulator consultation. No actual institution or account is classified. **S013(t); S014(b)(1)(C), (F).** |\n| **R080-P1-C009** | The Bureau director’s Commission membership and vice-chair role were added by P.L. 111-203 §1013(d)(5)–(6). | Section 1018 makes that subtitle effective on enactment, **July 21, 2010**. The separate designated-transfer-date clause elsewhere in the Act is not substituted for §1018. **S010 §§1013(d)(5)–(6), 1018; S002(c)(1)(C), (d).** [govinfo.gov+2](https://www.govinfo.gov/content/pkg/PLAW-111publ203/html/PLAW-111publ203.htm?utm_source=chatgpt.com) |\n| **R080-P1-C010** | The deletion of the Office of Thrift Supervision director from §1813(z) was enacted by §363(1)(C), under the separate Title III commencement structure. | Section 351 uses the transfer date, except for §364(a)’s different repeal. Section 311 provides a one-year default, a qualified extension no later than eighteen months, required consultation and transmissions, and notice publication within 270 days. An actual designated date or historical implementation is not established here. **S010 §§311, 351, 363(1)(C), 364(a); S012(z).** |\n| **R080-P1-C011** | The higher-education best-practices paragraph was added by P.L. 115-174 §603. | The complete amendment was read; enactment was **May 24, 2018**. Its own establishment deadline is tied to that date, and its ongoing maintenance and adoption-limit clauses must be retained. **S011 §603; S003(a)(3).** [govinfo.gov](https://www.govinfo.gov/content/pkg/PLAW-115publ174/html/PLAW-115publ174.htm?utm_source=chatgpt.com) |\n| **R080-P1-C012** | Original Act §3 directs joint final effective-date regulations, except where the Act or amendments specifically provide otherwise. | Final rules were required before the end of two months beginning with enactment; assigned effective dates were to be as early as possible with reasonable implementation time and no later than ten months after final-rule issuance. These are rulemaking instructions, not a uniform consumer deadline. **S009 §3(1)–(2).** |\n| **R080-P1-C013** | The joint effective-date materials distinguish enactment-anchored agency-action duties from authority to begin implementation under otherwise undated provisions. | The preamble treats enactment-anchored agency duties as effective by their statutory predicate. Section 602.1(c)(1)(ii) uses **December 31, 2003 only for the agency’s implementing authority**. It does not make every substantive FACT Act provision uniformly effective that day. **S015 relevant preamble and §602.1(c)(1)(ii); S016 §III; S018(c)(1)(ii).** [govinfo.gov+2](https://www.govinfo.gov/content/pkg/FR-2003-12-24/html/03-31359.htm?utm_source=chatgpt.com) |\n| **R080-P1-C014** | The final effective-date rule and later technical recodification have their own effective dates, distinct from the dates assigned to Act provisions. | S016: published February 11, 2004, effective March 12, 2004. S017: published May 20, 2004, effective June 21, 2004; relevant changes described as nonsubstantive. S018’s October 2026 currency labels do not create a new commencement date. **S016 DATES; S017 DATES and §I; S018 header/source credit.** |\n\n### B. Commission establishment, membership, administration, and powers\n\n| Claim ID | Supported proposition | Conditions, limitations, and exact evidence |\n| --- | --- | --- |\n| **R080-P1-C015** | FLEC is established to improve financial literacy and education of persons in the United States through a national strategy. | Other clauses respectively address all Americans, American consumers, students, and the general public. These audience descriptions are not individualized grant or service eligibility determinations. **S002(a)–(b); S003(a)(1), (a)(3), (d), (f)(1).** |\n| **R080-P1-C016** | The mandatory membership list includes Treasury; heads of the incorporated federal banking agencies; NCUA; SEC; Education, Agriculture, Defense, HHS, HUD, Labor, and Veterans Affairs; FTC; GSA; SBA; Social Security Administration; CFTC; OPM; and the Bureau director. | This is the complete statutory office list in (c)(1)(A)–(C), not current incumbency, participation, or attendance. **S002(c)(1)(A)–(C); C007.** [uscode.house.gov](https://uscode.house.gov/us/usc/119-134/t20/s9702/?utm_source=chatgpt.com) |\n| **R080-P1-C017** | The President may appoint no more than five additional members from administrative heads of other federal entities. | Presidential discretion and a determination that the entities are engaged in a serious financial-literacy/education effort are express predicates. No actual appointments are established. **S002(c)(1)(D).** |\n| **R080-P1-C018** | A member unable to attend a meeting may designate an alternate. | The alternate must exercise significant decisionmaking authority. This is not an unrestricted substitution by any employee. **S002(c)(2).** |\n| **R080-P1-C019** | Treasury’s Secretary is Chairperson; the Bureau director is Vice Chairman. | Statutory office assignments only. No finding about present holders, vacancy rules, or an actual designation. **S002(d); C009.** |\n| **R080-P1-C020** | The Commission must hold, at the Chairperson’s call, at least one meeting every four months; the statute states that such meetings are public. Additional meetings may be called as the Chairperson sees fit. | The minimum interval is not converted to a quarterly calendar schedule, and actual compliance is not established. **S002(e).** |\n| **R080-P1-C021** | A majority of Commission members constitutes a quorum, but fewer may hold hearings. | The selected text does not supply a separate general voting formula or prove an actual quorum. Membership denominator and attendance remain absent. **S002(f).** |\n| **R080-P1-C022** | The initial meeting was required no later than sixty days after December 4, 2003. | A statutory deadline is not evidence of when the first meeting occurred; that distinction matters for §9703(h)(1). **S002(g); S003(h)(1).** |\n| **R080-P1-C023** | The Commission must act through its members’ authority to streamline, improve, or augment federal financial-education programs, grants, materials, and curricula as it deems necessary. | “Shall” and the judgment qualification both matter. This clause does not itself establish an unrestricted new regulatory jurisdiction or a complete recipient-level grant program. **S003(a)(1).** |\n| **R080-P1-C050** | The Commission is to hold hearings, take testimony, and receive evidence as it deems appropriate; it must consider inviting the listed categories. | Categories include federal officials, State/local officials, consumer/community groups, nonprofit financial-education groups, and financial-services industry representatives. “Consider inviting” does not mean each category must testify. **S004(a)(1)–(2).** [uscode.house.gov](https://uscode.house.gov/us/usc/119-134/t20/s9704/?utm_source=chatgpt.com) |\n| **R080-P1-C051** | The Commission may obtain necessary information directly from federal departments or agencies; upon the Chairperson’s request, the agency head must furnish it. | The express provision concerns federal-agency information. It does not supply a general private-party subpoena or personal-record collection authority in this pass. **S004(b).** |\n| **R080-P1-C052** | Periodic studies on the state of financial literacy and education are permitted as the Commission determines appropriate. | No fixed study interval or actual completed study follows from this permission. **S004(c).** |\n| **R080-P1-C053** | Non-English materials and campaign versions are expressly permitted under qualified discretion. | Commission action under §9704(d) may include website, hotline, and disseminated materials; Treasury campaign action under §9707(c) is as the Secretary deems appropriate. These clauses do not themselves specify universal translation into every language. **S004(d); S007(c).** |\n| **R080-P1-C054** | Members receive no additional compensation for Commission service beyond compensation for their federal office or employment. | This is not a statement that their underlying federal service is unpaid or that travel reimbursement is prohibited. **S005(a).** |\n| **R080-P1-C055** | Members are allowed travel expenses, including per diem in lieu of subsistence, at the incorporated Title 5 rates while away from home or regular business place performing Commission services. | Exact rates and the full Title 5 conditions are unexamined. **S005(b), incorporating 5 U.S.C. ch.57, subch.I.** |\n| **R080-P1-C056** | The Treasury Office of Financial Education director must assist the Commission on its request, without reimbursement. | This reports the statutory office wording, not a verified contemporary organization chart or a transfer to a differently named office. **S005(c)(1).** |\n| **R080-P1-C057** | A federal employee may be detailed without reimbursement and without interruption or loss of civil-service status or privilege. | Permission does not establish any actual detail, staffing level, expenditure, or personnel decision. **S005(c)(2).** |\n\n### C. Educational subjects, public information, strategy, and reports\n\n| Claim ID | Supported proposition | Conditions, limitations, and exact evidence |\n| --- | --- | --- |\n| **R080-P1-C024** | Required areas of emphasis include household budgeting, saving, and strategic investment decisions for education, retirement, homeownership, wealth building, and other savings goals. | These are educational subjects, not prescribed allocations or findings that a particular investment is suitable. **S003(a)(2), (A).** |\n| **R080-P1-C025** | Spending, credit, and debt management—including credit-card debt—are express educational subjects. | The duty belongs to the Commission’s education framework; it does not validate a debt or prescribe repayment, settlement, or nonpayment. **S003(a)(2)(B).** |\n| **R080-P1-C026** | Credit reports, credit scores, accuracy and correction awareness, effects on credit terms, financial decisions’ effects on scores, and fair/favorable credit terms are included. | This subject list does not replace the separate legal predicates for disclosure, disputes, correction, underwriting, or remedies. **S003(a)(2)(C)–(D); C006.** |\n| **R080-P1-C027** | Education is to address avoiding abusive, predatory, or deceptive credit offers/products and understanding, evaluating, and comparing financial offerings. | No actual offer is classified, and no private product or provider is endorsed. **S003(a)(2)(E)–(F).** |\n| **R080-P1-C028** | The investor-resource subject concerns resources that ought to be accessible and affordable and explain rights and recourse concerning unprofessional intermediary conduct. | The clause’s “ought” language and educational role are preserved. It does not establish free representation, an actual violation, or a successful remedy. **S003(a)(2)(G).** |\n| **R080-P1-C029** | The subject list includes particular needs and transactions of consumers targeted by multilingual education, with remittances as an example, and improved multilingual materials. | An illustrative transaction does not establish a real transaction, targeted population, or universal language-access entitlement. **S003(a)(2)(H); C053.** |\n| **R080-P1-C030** | Bringing individuals lacking basic banking services into mainstream financial services through opening and maintaining an account is an educational/promotion subject. | It is not an account recommendation, approval, eligibility finding, or finding that a specific institution is appropriate. **S003(a)(2)(I); C008.** |\n| **R080-P1-C031** | The statute describes improved financial choices and outcomes as the primary program goal, beyond knowledge alone. | A legislated goal is not measured proof of causal effectiveness, adherence, debt reduction, or psychological improvement. **S003(a)(2)(J).** [uscode.house.gov](https://uscode.house.gov/us/usc/119-134/t20/s9703/?utm_source=chatgpt.com) |\n| **R080-P1-C032** | The Commission must establish higher-education best practices after public comments and consultation/input from relevant parties, including diverse higher-education institutions. | Deadline: no later than one year after May 24, 2018. Subject: literacy teaching and useful/necessary information for student-borrowing decisions. No actual consultation or completion established. **S003(a)(3)(A); S011 §603.** |\n| **R080-P1-C033** | Those best practices must address clear understanding of total borrowing, monthly payments and repayment options; engagement including communication frequency/timing; different student populations; and communicating graduation’s importance for repayment. | Part-time, first-time, and other nontraditional students are expressly included. No payment amount, communication schedule, graduation effect size, or individual repayment forecast is specified. **S003(a)(3)(B)(i)–(iv).** |\n| **R080-P1-C034** | The Commission must maintain, periodically update, and make the best-practices information public. | “Periodically” supplies no numerical update interval. Actual maintenance/publication is not audited. **S003(a)(3)(C).** |\n| **R080-P1-C035** | The paragraph does not require a higher-education institution to adopt the best practices. | This express construction rule limits what can be inferred from the Commission’s mandatory development duties; it does not resolve other institutions’ duties under other law. **S003(a)(3)(D); S011 §603.** |\n| **R080-P1-C036** | The Commission must establish and maintain a website serving as a federal clearinghouse and coordinated entry point, including information about federal education grants and how to seek an appropriate grant. | The suggested domain is illustrative, followed by “or a similar domain name.” The grant-information function is not itself an award, application approval, or comprehensive grant-eligibility rule. Other public information may be included as appropriate to the purpose. **S003(b)(1), (b)(2)(A)–(C), (E).** |\n| **R080-P1-C037** | Links under §9703(b)(2)(D) concern efforts with no commercial content and information about financial-literacy/education programs, materials, or campaigns, as the Commission considers appropriate. | Both content conditions and discretion matter. This is not a blanket finding about every site link, all federal information, or product endorsement. **S003(b)(2)(D).** |\n| **R080-P1-C038** | A toll-free telephone number must be established and made available to the public for financial-literacy/education information. | No actual number, service availability, caller eligibility, individualized counseling, or successful response is established. **S003(c).** |\n| **R080-P1-C039** | The Commission must develop financial-literacy/education materials and disseminate them to the general public. | A duty to create/disseminate is distinct from the existence, quality, accessibility, or effects of particular materials. **S003(d)(1)–(2).** |\n| **R080-P1-C040** | The Commission must take necessary steps to coordinate and promote State/local efforts, including partnerships across governmental, nonprofit, and private sectors. | Coordination is the express function. No State/local program, private relationship, regulatory preemption, or actual partnership is established. **S003(e).** |\n| **R080-P1-C041** | The Commission must develop a national strategy no later than eighteen months after December 4, 2003, and coordinate federal implementation efforts. | The statute supplies the duty and historical anchor, not evidence of performance. **S003(f)(1)(A)–(B).** |\n| **R080-P1-C042** | The strategy must provide for participation, educational methods, review/coordination of federal activities, and identification of overlap/duplication with proposed means of elimination. | The participants include State/local governments and private, nonprofit, and public institutions. This does not prove that duplication was eliminated or educational levels increased. **S003(f)(2)(A)–(D).** |\n| **R080-P1-C043** | The strategy must be reviewed at least annually, with changes and recommendations as the Commission deems necessary. | Review is mandatory at the specified minimum frequency; a particular change or recommendation is not automatically required. **S003(f)(3).** |\n| **R080-P1-C044** | The Commission must actively consult varied private, nonprofit, and State/local representatives as it determines appropriate. | No particular representative, consultation, appointment, or endorsement is established. **S003(g).** |\n| **R080-P1-C045** | A SAFE Strategy progress report is required no later than eighteen months after the Commission’s first meeting, and annually thereafter, to the specified Senate and House committees. | The recipients are Senate Banking, Housing, and Urban Affairs and House Financial Services. The first-meeting trigger differs from the enactment trigger in C041. **S003(h)(1).** |\n| **R080-P1-C046** | Required report content includes the strategy, implementation of (a)–(g), success assessment, material availability/utilization/impact, and website/hotline content and use. | Required assessment subjects are not assessment findings. **S003(h)(2)(A)–(E).** |\n| **R080-P1-C047** | Further report content includes materials/dissemination/impact data measured through decisionmaking, hearing summaries and witness lists, next-fiscal-year plans, underserved-community activities, and appropriate additional material. | No witness list, individual, actual metric, or program result was inspected. **S003(h)(2)(F)–(J).** |\n| **R080-P1-C048** | The initial report must cover all federal programs, materials, and grants seeking to improve literacy and assess their effectiveness. | This does not establish that a complete inventory or valid causal evaluation was actually produced. **S003(h)(3).** |\n| **R080-P1-C049** | The Commission must annually provide Chairperson testimony to the specified Senate and House committees. | No hearing record, appearance, or compliance history was examined. **S003(i).** |\n\n### D. Studies, campaign, resources, and inference limits\n\n| Claim ID | Supported proposition | Conditions, limitations, and exact evidence |\n| --- | --- | --- |\n| **R080-P1-C058** | The Comptroller General was required to report to Congress on Commission effectiveness no later than three years after December 4, 2003. | Historical report duty; no actual report or findings adopted. **S006(a).** |\n| **R080-P1-C059** | The required consumer-knowledge study covers reports, scores, dispute resolution, improvement methods, viewing counts, purposes for obtaining reports, data collection, obtaining reports, and positive/negative score factors. | For purpose percentages, the denominator is consumers obtaining a report, and the numerator concerns each primary purpose. Completeness/accuracy, fraud protection, adverse action, and suspected identity theft are illustrative purposes. No measured values supplied. **S006(b)(1)–(2)(A)–(E).** [uscode.house.gov](https://uscode.house.gov/us/usc/119-134/t20/s9706/?utm_source=chatgpt.com) |\n| **R080-P1-C060** | The consumer-knowledge study report was due before the end of the twelve-month period beginning December 4, 2003. | Findings/conclusions must be reported, with legislative or administrative recommendations the Comptroller General considers appropriate, including improvement methods. No actual deadline calculation or compliance finding. **S006(b)(3).** |\n| **R080-P1-C061** | Treasury’s Secretary must develop, implement, and conduct a pilot national public-service multimedia campaign after reviewing Commission recommendations and as part of the national strategy. | The predicates and pilot character are retained. No completed campaign or actual recommendation is established. **S007(a).** |\n| **R080-P1-C062** | After reviewing recommendations, Treasury must select and work with nonprofit organization(s) especially qualified to distribute public-service campaigns and having secured private-sector production funds. | Both qualifications are cumulative. This is an authorized institutional relationship, not evidence of an award, contract, funding recipient, or general grant eligibility. **S007(b)(1).** |\n| **R080-P1-C063** | Campaign development includes the specified consultation, and the campaign must be consistent with the national strategy and promote the hotline and website. | The consulted categories are nonprofit, public, or private organizations, especially those qualified by financial-education experience. No actual organization is identified or evaluated. **S007(b)(2)–(3).** |\n| **R080-P1-C064** | Treasury must develop measures evaluating campaign effectiveness by improved individual financial decisionmaking. | The measure-development duty supplies neither data nor a validated effect estimate. **S007(d).** |\n| **R080-P1-C065** | The campaign-report clause is conditioned on fiscal years with appropriations pursuant to the authorization referred to in the text; it contains an original self-reference to subsection (e). | Original §518(e) and current §9707(e) agree. The Code editorial footnote suggests (f), but is not an enacted correction. Reports go to the Senate Banking and Appropriations committees and House Financial Services and Appropriations committees. Precise legal resolution of the defective reference remains open. **S007(e), footnote; S009 §518(e).** |\n| **R080-P1-C066** | Section 9707(f) authorizes appropriation to Treasury “not to exceed $3,000,000 for fiscal years 2004, 2005, and 2006” for campaign development, production, and distribution. | The exact year/ceiling wording is preserved. The text is not rewritten as a recurring present appropriation or as a separate amount “for each” year; no multiplied total or actual spending is supplied. **S007(f); S009 §518(f).** |\n| **R080-P1-C067** | Section 9708 authorizes such sums as necessary for Commission functions, including administration. | Authorization is not evidence that an appropriation was enacted or money was available, obligated, spent, or paid to anyone. **S008; S009 §519.** |\n| **R080-P1-C068** | The selected sections discuss federal programs/grants, public grant information, campaign relationships, personnel support, and appropriation authorizations, but do not supply a complete independent grant-award, procurement, conflict-of-interest, liability, or private-enforcement code. | **Textual limit.** Existing powers of member agencies and applicable external law are not erased. No general immunity, exemption, private cause of action, or unrestricted rulemaking power is inferred. **S003(a)(1), (b); S004; S005; S007–S008.** |\n| **R080-P1-C069** | The selected law contains particular clarity, access, noncommercial-content, targeting, and duplication provisions, but no universal reading-grade score or blanket material-quality certification. | Relevant standards are clause-specific: useful/necessary student information and clarity in (a)(3); investor-resource wording in (a)(2)(G); noncommercial links in (b)(2)(D); duplication in (f)(2)(D). Broader accessibility/language law remains separate. **S003.** |\n| **R080-P1-C070** | The selected MyMoney.gov introduction is an official program explanation, not an amendment or evidence that all statutory duties were performed. | It describes the site as a Commission product and uses financial-capability language. Publication date is not established. Its composition estimate and member links were not used to verify a roster or calculate a quorum. **S019, introductory paragraphs.** |\n| **R080-P1-C071** | Education, information dissemination, and interagency coordination in these sections do not themselves establish a professional-advice or counseling licensing regime. | **Textual limit.** No conclusion is made about whether separate law authorizes, regulates, or restricts particular counseling or advice. **S003–S004; S007.** |\n| **R080-P1-C072** | These institutional duties do not, by themselves, establish an individual’s debt relief, financial assistance, grant award, account access, correction remedy, or favorable financial outcome. | No express individual debt-release mechanism appears in the selected bodies. Broader enforceability and rights under other laws are not decided. **S001–S008, especially S003(a), (b), S007–S008.** |\n| **R080-P1-C073** | Statutory goals, mandated assessments, and performance-measure requirements do not supply causal behavioral, clinical, psychometric, or educational-efficacy findings. | Missing empirical evidence must remain missing. No inference about shame, avoidance, fatigue, optimism, anchoring, conflict, motivation, completion, capacity, or suitability follows. **S003(a)(2)(J), (h); S006; S007(d).** |\n| **R080-P1-C074** | External incorporations and institutional wording remain bounded where their full downstream regimes or later histories were not examined. | Specifically: broader FCRA classifications/rights; actual travel rates; later Treasury-office organization; actual Title III transfer-date designation; post-compilation law; separate executive-council histories. The exact next inquiries are listed below; no missing authority is filled by a generic label. **S005(b)–(c); S009 §2; S010; S012–S014; source limits.** |\n\n## 3. Provision-specific comparison\n\n| Comparison | Verified statutory distinction | Consequence that remains unestablished | Claim/source links |\n| --- | --- | --- | --- |\n| **Institutional responsibility / individual entitlement** | The Commission, Treasury Secretary, and Comptroller General receive duties and powers; public audiences are identified. | No individual award, debt release, eligibility, or successful claim follows from the institutional mandate. | **C015, C023, C058–C072; S002–S008.** |\n| **Defined term / personal trait** | Chairperson, Commission, and incorporated consumer/institution categories have legal definitions. Literacy and education are statutory subjects without a personal scoring test in these sections. | No individual literacy deficit, incapacity, vulnerability, or psychological condition. | **C004–C008; S001, S009, S012–S014.** |\n| **Subject matter / demonstrated effect** | Budgeting, debt, credit, saving, borrowing, and improved choices are required subjects/goals. | No measured improvement, causal mechanism, completion rate, or outcome guarantee. | **C024–C033, C059, C064, C073; S003, S006–S007.** |\n| **Duty / completed implementation** | Strategy development, review, website/hotline establishment, materials, reports, and testimony are prescribed. | No finding that a particular deliverable exists, is complete, is current, or meets every requirement. | **C034, C036–C049; S003.** |\n| **Education / advice or counseling** | The selected framework creates educational and informational functions. | No professional relationship, license, fiduciary duty, privilege, individualized recommendation, or counseling entitlement. | **C071–C072; S003–S004, S007.** |\n| **Coordination / regulation or enforcement** | Actions occur through members’ authority; federal/State/local/private coordination and federal information requests are stated. | No new general private-sector enforcement jurisdiction, subpoena power, or preemption conclusion is established here. | **C023, C040, C044, C050–C051, C068; S003–S004.** |\n| **Authorized resources / appropriation or spending** | Campaign and Commission authorizations differ; assistance/details may be without reimbursement. | No actual appropriation, obligation, expenditure, grant, contract, or payment. | **C056–C057, C062, C065–C068; S005, S007–S008.** |\n| **Historical office wording / current statutory wording** | Current §9702 includes the 2010 Bureau seat/vice-chair amendment; current incorporated §1813(z) omits the former thrift-supervision office. | No current officeholder roster, Treasury-office reorganization, or actual transfer-date implementation is established. | **C007, C009–C010, C016–C019, C056, C074; S002, S005, S010, S012.** |\n| **Official explanation / operative law** | The MyMoney.gov introduction describes the institution and site; statutes impose the duties. | The explanation does not amend definitions, prove compliance, or establish the actual membership denominator. | **C001–C005, C070; S001–S003, S019.** |\n| **Public information / endorsement** | A clearinghouse and grant-information entry point are required; the specified link provision has noncommercial-content and educational-information predicates. | No recommendation, certification, approval, or endorsement of a private product or provider. | **C027, C030, C036–C037, C069; S003(a)(2), (b).** |\n| **Mandatory development / voluntary institutional adoption** | The Commission’s higher-education development, maintenance, and publication duties are mandatory; adoption is not required by that paragraph. | No actual institution’s adoption, compliance, exemption under another law, or student result. | **C032–C035; S003(a)(3), S011 §603.** |\n| **Historical deadline / continuing duty** | Some creation/report duties have enactment or first-meeting anchors; review, maintenance, testimony, and certain reports recur. | No renewed historical deadline merely because the Code is accessed now; no actual noncompliance finding. | **C020–C022, C034, C041–C049, C058–C060; S002–S003, S006.** |\n\n## 4. Measurement and timing register\n\nNo financial, psychological, scoring, or calendar model is supplied. No months or years are converted into days. Statutory references, paragraph numbers, and publication page numbers are citations rather than operative measurement requirements.\n\n### A. Institutional requirements and study measures\n\n| Measurement ID | Exact authority and quantity | Actor/object, unit/base, trigger, and boundary | Qualifications, counting limits, and absent facts |\n| --- | --- | --- | --- |\n| **M001** | §9702(c)(1)(D): **not more than 5** additional members | Presidential appointments; maximum count is inclusive. | Administrative heads of other federal entities; Presidential serious-effort determination required. No appointments or total roster known. **C017; S002.** |\n| **M002** | §9702(e): **at least 1 meeting every 4 months** | Commission; minimum meeting count per stated month interval; Chairperson’s call. | Public-meeting language applies; additional meetings permitted. No conversion to quarters, fixed dates, or actual meeting history. **C020; S002.** |\n| **M003** | §9702(f): **majority**; fewer may hold hearings | Quorum denominator: Commission members. Majority is more than half; no integer quorum computed. | Hearing exception retained. Actual membership, vacancies, attendance, and broader procedural rules absent. **C021; S002.** |\n| **M004** | §9702(g): **not later than 60 days after December 4, 2003** | Commission’s first meeting; inclusive outer deadline relative to the stated enactment date. | No day-counting adjustment or actual first-meeting date established. **C022; S002.** |\n| **M005** | §9703(a)(3)(A): **not later than 1 year after May 24, 2018** | Commission establishment of higher-education best practices. | Public comments and specified consultation/input precede establishment. No actual completion date or calendar calculation. **C032; S003, S011.** |\n| **M006** | §9703(a)(3)(B)(i): **monthly payments** | A required subject in describing total student-borrowing obligations. Unit is monthly payment information. | No payment amount, formula, term, affordability conclusion, or actual obligation supplied. **C033; S003.** |\n| **M007** | §9703(a)(3)(B)(ii): communication **frequency and timing** | Subject for best-practices development. | The statute does not assign a numerical communication frequency or actual schedule. **C033; S003.** |\n| **M008** | §9703(a)(3)(C): **periodically update** | Commission best-practices information; recurring but unquantified. | No fixed interval, publication date, or completed update established. **C034; S003.** |\n| **M009** | §9703(f)(1)(A): **not later than 18 months after December 4, 2003** | National-strategy development; inclusive outer deadline. | Distinct from the first-meeting-based report deadline. No calendar calculation or completion finding. **C041; S003.** |\n| **M010** | §9703(f)(3): **not less than annually** | National-strategy review; minimum review frequency. | Changes/recommendations are those deemed necessary; review does not require a particular annual substantive change. **C043; S003.** |\n| **M011** | §9703(h)(1): **not later than 18 months after the first meeting; annually thereafter** | SAFE Strategy report; initial trigger is the actual first meeting. | That event is absent. The recurring wording is preserved without inventing a day-of-year or delivery convention. **C045; S003.** |\n| **M012** | §9703(h)(2)(H): **next fiscal year** | Report content concerning planned Commission activities. | A planning horizon, not an appropriation or spending finding. No fiscal-year conversion or actual plan supplied. **C047; S003.** |\n| **M013** | §9703(i): **annually** | Chairperson testimony to the named committees. | No date within the year specified; no testimony record examined. **C049; S003.** |\n| **M014** | §9704(c): **periodic studies** | Commission studies, as appropriate. | Permission; no numerical interval or required sample size. **C052; S004.** |\n| **M015** | §9705(a): **no additional compensation** | Compensation attributable to Commission service beyond federal office/employment compensation. | No salary amount is supplied; this does not negate travel-expense treatment. **C054; S005.** |\n| **M016** | §9705(b): travel/per-diem **rates authorized under Title 5** | Travel while away from home/regular business place for Commission service. | No rate, reimbursable amount, or current travel-rule calculation; incorporated rate regime remains held. **C055; S005.** |\n| **M017** | §9705(c)(1)–(2): **without reimbursement** | Treasury assistance and authorized federal employee details. | No actual resource amount, detail, or interagency transaction. **C056–C057; S005.** |\n| **M018** | §9706(a): **not later than 3 years after December 4, 2003** | Comptroller General effectiveness report to Congress. | Inclusive outer deadline; no actual due-date calculation or completion finding. **C058; S006.** |\n| **M019** | §9706(b)(2)(A): **number of consumers** viewing reports | Study count; object is consumers viewing their reports. | No count, sampling frame, survey method, or data supplied. **C059; S006.** |\n| **M020** | §9706(b)(2)(B): **approximate percentage** for each primary purpose | Numerator: report-obtaining consumers associated with the specified primary purpose. Denominator: total consumers obtaining a copy. | No percentage value, mutually exclusive coding convention, population estimate, or causal interpretation. **C059; S006.** |\n| **M021** | §9706(b)(3): **before the end of the 12-month period beginning December 4, 2003** | Comptroller General consumer-knowledge report. | “Before the end” retained; no substitution of business days or arithmetic endpoint. **C060; S006.** |\n| **M022** | §9707(e): **each fiscal year** with the stated appropriations predicate | Treasury campaign report to the named committees. | Original self-reference defect remains; appropriation predicate and actual report years absent. **C065; S007, S009.** |\n| **M023** | §9707(f): **not to exceed $3,000,000 for fiscal years 2004, 2005, and 2006** | Dollars authorized for campaign development, production, distribution; inclusive stated ceiling. | Exact wording retained. No “for each year” insertion, multiplied amount, present recurring funding, or actual appropriation. **C066; S007, S009.** |\n| **M024** | §9708: **such sums as may be necessary** | Commission functions, including administration; no fixed dollar figure. | Authorization only. Necessity, appropriations, availability, obligations, and expenditures unexamined. **C067; S008.** |\n\n### B. Enactment, transition, and source-status dates\n\n| Measurement ID | Authority/date or period | Trigger and precise function | Qualifications and limits |\n| --- | --- | --- | --- |\n| **M025** | P.L. 108-159: **December 4, 2003** | Enactment date used by the original statutory deadlines. | Not silently equated with every effective date. **C003, C012–C013; S009.** |\n| **M026** | P.L. 108-159 §3(1): **before the end of 2 months beginning with enactment** | Board/FTC issuance of joint final effective-date regulations. | Exception for provisions otherwise specifically addressed by the Act/amendments. No arithmetic performed. **C012; S009.** |\n| **M027** | §3(2): **no later than 10 months after final-rule issuance** | Outer limit for dates assigned under the joint rulemaking instruction. | Must also be as early as possible while allowing reasonable implementation time. Not a universal substantive deadline. **C012; S009.** |\n| **M028** | **December 24, 2003 / December 31, 2003** | Interim-rule publication / stated rule effectiveness and specified implementation-authority date. | The authority-only limitation in §602.1(c)(1)(ii) is essential. **C013; S015.** |\n| **M029** | **February 11, 2004 / March 12, 2004** | Final-rule publication / effective date. | Different from the dates assigned to Act provisions. **C014; S016.** |\n| **M030** | §602.1(c)(2)–(3): **March 31, 2004 / December 1, 2004** | Scheduled dates for the enumerated other FACT Act provisions. | Read as context; not imported as blanket Title V dates or full FCRA merits. **C013–C014; S016–S018.** |\n| **M031** | **May 20, 2004 / June 21, 2004** | Technical-amendment publication / effectiveness. | Relevant revisions expressly did not alter jointly adopted effective dates. **C014; S017.** |\n| **M032** | P.L. 111-203 §1018: **July 21, 2010** | Date of enactment; commencement of the subtitle containing the membership amendments. | Not the separate Title III transfer-date rule. **C009; S010.** |\n| **M033** | P.L. 111-203 §311(a): **1 year after enactment**, subject to (b) | Default Title III transfer-date definition. | Qualified extension possible; no actual transfer calendar date certified. **C010; S010.** |\n| **M034** | §311(b)(1): **not later than 18 months after enactment** | Maximum permitted extension, following specified consultation and congressional transmission. | Transmission must include infeasibility determination, necessity explanation, designated date, and implementation steps. No actual determination or transmission inspected. **C010; S010.** |\n| **M035** | §311(b)(2): **not later than 270 days after enactment** | Federal Register publication of any transfer date designated under (b)(1). | Conditional on such a designation. No notice or date calculation supplied. **C010; S010.** |\n| **M036** | P.L. 115-174: **May 24, 2018** | Enactment and express anchor for the new best-practices deadline. | No current adoption or institutional-compliance finding. **C011, C032; S011.** |\n| **M037** | Code cutoff: **October 20, 2026, P.L. 119-134** | Displayed compilation scope for the OLRC bodies. | Not this research’s access date and not certification of later law. **C001–C002; S001–S014 as applicable.** |\n| **M038** | eCFR: **October 23, 2026** current-through; **October 19, 2026** last Title 16 amendment | Compilation/title metadata. | Not evidence that §602.1 changed on October 19. **C014; S018.** |\n| **M039** | Research access: **October 27, 2026 PDT** | Actual source checks in America/Los_Angeles. | No publication, enactment, effectiveness, or substantive deadline is inferred from access. **C002; read log.** |\n\nNo age threshold, literacy score, clinical cutoff, interest rate, debt amount, intervention effect size, or success percentage is established by this register.\n\n## 5. Conditional legal-category branches and branch-level coverage\n\nEach row is a generic legal boundary. **“Answered” means the stated statutory distinction is answered, not that an actual application has been resolved.** These rows also provide the requested branch-by-branch coverage, missing-evidence record, and next permissible inquiry.\n\n| Branch/status | Supported conditional rule and exact links | Missing evidence or authority | Adverse inference to avoid | Next permissible generic public-law inquiry |\n| --- | --- | --- | --- | --- |\n| **B01 — Provision/version unknown. Partial.** | If reliance is on this framework, use the present individual-section text and authenticated amendments; all selected bodies were readable within the displayed cutoff. **C001–C003; S001–S011.** | Post-cutoff legislation and exhaustive later history. | An old copy or failed index proves current absence or repeal. | Check public enacted amendments affecting §§9701–9708 after the displayed cutoff, without querying implementation records. |\n| **B02 — Definition versus trait. Answered boundary.** | If “literacy” is used as a personal classification, these selected sections do not provide a scoring or clinical test. **C004–C005, C073; S001–S008.** | A valid measurement framework and relevant empirical evidence; no personal facts. | A statutory education goal establishes incapacity, vulnerability, or a deficit. | Examine only a separately authorized public definition instrument if a legal definition becomes necessary; empirical assessment remains a separate component. |\n| **B03 — Incorporated consumer/institution category. Partial.** | “Consumer” is an individual under the incorporated definition; financial institution has enumerated and transaction-account predicates. **C006–C008; S009 §2(3), S013(c), (t), S014(b)(1)(C), (F).** | Actual category facts and any indispensable downstream classification authority. | Every financial business is included, or every transaction is a consumer report. | Read the particular remaining generic definitional cross-reference before making a category conclusion; do not inspect an institution or account. |\n| **B04 — Institutional role unknown. Answered boundary.** | Duties attach to the Commission, Treasury Secretary, Comptroller General, or other named office as the particular clause states. **C015–C019, C056, C058, C061; S002, S005–S007.** | Actual authorized actor or implementation. | All federal financial-education functions belong to one interchangeable office. | Compare the precise duty clause with any necessary current public delegation/organizational authority; actual assignments remain held. |\n| **B05 — Current roster not examined. Answered boundary.** | Statutory seats and discretionary additional appointments are different; additional appointments have a ceiling and serious-effort predicate. **C016–C017; S002(c)(1).** | Actual appointments, incumbency, vacancies. | The statutory list or program-page estimate proves a current roster. | Check only public amendments to the composition rule if needed; do not query member lists or officeholders. |\n| **B06 — Alternate unknown. Answered boundary.** | An alternate may be designated when the member cannot attend and must exercise significant decisionmaking authority. **C018; S002(c)(2).** | Designation, inability to attend, and authority facts. | Any representative may automatically substitute. | Read any necessary generic public designation authority; no actual meeting or personnel record inquiry. |\n| **B07 — Meeting/quorum facts absent. Answered boundary.** | Minimum meeting frequency, public-meeting language, majority quorum, and the lesser-number hearing exception coexist. **C020–C022; S002(e)–(g).** | Actual membership, attendance, timing, and proceedings. | A hearing’s permitted smaller attendance proves a quorum for other action. | Read only applicable generic procedural law if a different decision rule becomes material. |\n| **B08 — Required versus permissive function. Answered.** | “Shall,” “may,” and “as deemed necessary/appropriate” must be retained provision by provision. **C023, C034, C043, C050–C053; S003–S004.** | Actual exercise of judgment or compliance. | All functions are optional, or every possible activity is compulsory. | Reopen the exact subsection governing the proposed institutional function; no program evaluation is needed to identify its wording. |\n| **B09 — Coordination versus enforcement. Answered boundary.** | Actions through member authority and coordination do not supply an unrestricted independent enforcement code. **C023, C040, C051, C068; S003(a)(1), (e), S004(b).** | Separate agency authority and any relevant external enforcement law. | FLEC can compel any private party or determine a private debt dispute merely because it coordinates education. | Identify and read the specific public enabling statute for the separate power, if later authorized. |\n| **B10 — Strategy duty and review. Answered rule; implementation unresolved.** | Strategy development, federal implementation coordination, required contents, and at-least-annual review are distinct duties. **C041–C043; S003(f).** | Actual strategy, reviews, and compliance evidence—held. | A national strategy’s existence proves it was fully implemented or effective. | Read any later enacted modification of §9703(f); actual strategy audits remain outside this pass. |\n| **B11 — Material/topic coverage. Answered.** | The required emphasis includes budgeting, saving, debt/credit, report awareness, product comparison, investor resources, multilingual needs, and banking access. **C024–C031; S003(a)(2)(A)–(J).** | Actual material coverage and quality. | An education topic creates a new creditor duty or supplies individualized advice. | Identify the separate public law governing any claimed credit/dispute right; do not treat the subject list as that law. |\n| **B12 — Public dissemination. Answered rule; implementation unresolved.** | Website, hotline, and material-development/dissemination duties are express; website grant information is informational. **C036, C038–C039; S003(b)–(d).** | Actual availability, delivery, completeness, and grant authority. | Access to information is grant approval, counseling entitlement, or proof of a compliant website. | Read a precise generic grant enabling provision only if grant authority becomes the next component; no application or website audit. |\n| **B13 — Link neutrality/endorsement. Answered boundary.** | Under the specified link clause, discretion and both noncommercial-content and education-information conditions apply. **C037, C069; S003(b)(2)(D).** | Actual link content and any separate endorsement rules. | Every linked private offering is government approved, or every aspect of the site has been certified noncommercial. | Read any indispensable generic endorsement authority in a separately scoped pass; no product/provider comparison. |\n| **B14 — Readability, language, and access. Partial.** | The law has particular clarity/access language and multilingual discretion, not a numerical reading-level standard. **C028–C029, C033, C053, C069; S003(a)(2)(G)–(H), (a)(3), S004(d), S007(c).** | Separate accessibility/language law, actual materials, comprehension evidence. | “Clear” proves comprehension; multilingual permission resolves all language-access duties. | Identify the exact separate public accessibility or language-access provision before asserting an additional duty. |\n| **B15 — Best-practices establishment predicates. Answered rule.** | Public comments plus consultation/input—including diverse higher-education institutions—precede the establishment duty and its enactment-anchored deadline. **C032–C033; S003(a)(3)(A)–(B), S011.** | Actual process/completion and any necessary institution-category authority. | The label “best practices” establishes that every method was validated. | Read the exact public definition applicable to a disputed institutional category only if necessary; do not assume another chapter’s definition. |\n| **B16 — Adoption by an institution. Answered boundary.** | Commission development/publication is mandatory, but adoption is not required by this paragraph. **C034–C035; S003(a)(3)(C)–(D).** | Separate legal duties and actual adoption. | Every institution must adopt these practices, or no other law can impose a related duty. | Examine a separately identified public mandate only if its applicability becomes necessary. |\n| **B17 — Report/update/evaluation duty. Answered rule; performance unresolved.** | SAFE reporting has a first-meeting trigger, recurring language, specified contents, and an initial-report requirement; testimony has a separate annual duty. **C045–C049; S003(h)–(i).** | First-meeting event, actual reports/testimony, methods and data. | A required assessment is a favorable assessment or a completed report. | Read any public amendment to the reporting provisions; actual report-compliance evaluation remains held. |\n| **B18 — GAO study versus result. Answered boundary.** | The required studies specify questions, counts, percentages, reports, and timing. **C058–C060; S006(a)–(b).** | Actual study methods, population, results, and validity. | A statutory study instruction proves knowledge levels or causal effects. | If separately authorized, investigate appropriate public empirical evidence; no study findings are invented or imported here. |\n| **B19 — Authorization versus funding. Partial.** | Historical campaign authorization and general Commission authorization are distinct; neither proves actual appropriation. **C066–C068; S007(f), S008.** | Relevant appropriation law, availability restrictions, and spending facts—unexamined. | A present Code entry proves current money, a grant, or a repeated annual amount. | Read the relevant public appropriation enactment if funding authority becomes a separate authorized question; no award or payment record inquiry. |\n| **B20 — Contractor/grant premise. Adapted.** | The actual text specifies a nonprofit campaign relationship with distribution qualifications and secured private production funds. **C062–C063; S007(b).** | Separate procurement/grant authority and actual predicates. | The statute identifies a contractor, grants entitlement, or proves selection/funding. | Read the generic legal vehicle authorizing the proposed relationship only if necessary; no recipient/provider lookup. |\n| **B21 — Campaign-report cross-reference. Unresolved in part.** | Reporting is linked to an appropriations predicate, but the enacted subsection reference is self-referential; the Code’s suggested correction is editorial. **C065; S007(e), S009 §518(e).** | An enacted correction or authoritative generic interpretation of the defect. | Silently replace (e) with (f), or declare the entire duty void. | Search only subsequent public amendatory text or official generic interpretation addressing §518(e)/§9707(e); no cases or party records. |\n| **B22 — Timing/transition. Partial.** | Enactment anchors, authority-only commencement, 2010 membership commencement, and the separate banking transfer-date framework must be distinguished. **C009–C014; S009–S010, S015–S018.** | Actual Title III designation history and later-law completeness. | One date governs every duty or every Dodd-Frank amendment. | Read only a necessary public transfer-date instrument or later amendment; do not infer the date from a different subtitle. |\n| **B23 — Travel incorporation/office wording. Partial.** | Travel is tied to Title 5 rates; requested assistance is assigned to the Treasury office expressly named in §9705. **C055–C057, C074; S005(b)–(c).** | Current incorporated rates and any actual legal transfer/rename authority. | Invent a reimbursement amount or equate a separately named Bureau office with the Treasury office. | Read the relevant current clause in 5 U.S.C. ch.57, subch.I, or a public enacted transfer instrument, only if needed. |\n| **B24 — Official explanation differs in terminology. Answered boundary.** | Program-page wording can describe capability and institutional roles without amending statutory definitions or composition. **C005, C070; S001–S003, S019.** | Publication date, full legal explanation of any material mismatch, actual implementation. | An agency webpage’s terminology or count overrides the statute. | Compare the precise sentence with current statute and any actual public amendatory instrument; no roster audit. |\n| **B25 — Access/currentness failure. Partial.** | Failed originals are recorded; readable official section bodies and enactments support only their actual bounds. **C001–C002, C074; source/failure log.** | Unread later law and inaccessible index-level views. | Failure proves repeal, legal absence, or a model limit. | Retry an ordinary official endpoint or read another official publication format; no gate workaround. |\n| **B26 — Individual entitlement. Answered boundary.** | Institutional duties and public-information subjects do not establish a specific individual benefit or debt result. **C068, C071–C072; S001–S008.** | Separate operative entitlement/remedy law and all actual facts. | Education, coordination, or a public hotline discharges debt or guarantees assistance. | Identify the separate public statute for the claimed entitlement before any merits inquiry. |\n| **B27 — Educational/behavioral efficacy. Excluded with reason.** | Goals and mandated measures establish what institutions should examine, not what interventions cause. **C031, C048, C058–C064, C073; S003, S006–S007.** | Causal research, relevant populations, interventions, outcomes, follow-up, and implementation evidence. | National authorization proves efficacy, adherence, or a universally best method. | No further efficacy inquiry within this statutory pass; a separately authorized empirical component would need suitable public research. |\n| **B28 — Individual assessment and remaining parent. Excluded with reason.** | No selected provision supplies an individual literacy, psychological, clinical, suitability, or financial determination on this record. **C005, C071–C074.** | Every individual fact and the relevant separate legal/empirical framework. | Infer shame, capacity, motivation, financial behavior, or a recommended action from a statutory category. | Continue only with a separately scoped generic authority/evidence question; no individual assessment or identifying inquiry. |\n\n## 6. Wholly blank analytical worksheet\n\nThe following is an unpopulated analytical structure. Every authority-entry, evidence-entry, analysis, and result cell is intentionally empty. It is not an intake form, questionnaire, test, or request for personal information.\n\n| Analytical field | Authority entry | Evidence entry | Analysis | Result |\n| --- | --- | --- | --- | --- |\n| Source issuer and instrument |  |  |  |  |\n| Version, compilation, and legal status |  |  |  |  |\n| Access and exact read bounds |  |  |  |  |\n| Publication, enactment, and effective/application distinction |  |  |  |  |\n| Generic statutory topic |  |  |  |  |\n| Generic statutory role |  |  |  |  |\n| Express definition versus use of a term |  |  |  |  |\n| Incorporated definition and remaining cross-reference |  |  |  |  |\n| Required function |  |  |  |  |\n| Permissive function |  |  |  |  |\n| Conditions and discretion |  |  |  |  |\n| Institutional authority versus implementation |  |  |  |  |\n| Strategy function |  |  |  |  |\n| Materials and information function |  |  |  |  |\n| Dissemination function |  |  |  |  |\n| Coordination and consultation function |  |  |  |  |\n| Report, review, testimony, or evaluation function |  |  |  |  |\n| Resource authorization |  |  |  |  |\n| Appropriation and spending boundary |  |  |  |  |\n| Personnel, assistance, or reimbursement provision |  |  |  |  |\n| Quantity, unit, base, and boundary wording |  |  |  |  |\n| Timing trigger and counting convention |  |  |  |  |\n| Amendment or transition |  |  |  |  |\n| Source-access and currentness gap |  |  |  |  |\n| Institutional versus individual consequence |  |  |  |  |\n| Statutory subject versus missing empirical evidence |  |  |  |  |\n| Clinical, behavioral, or psychometric boundary |  |  |  |  |\n| Remaining public-law incorporation |  |  |  |  |\n| Unresolved issue |  |  |  |  |\n| Exact next generic public-law inquiry |  |  |  |  |\n\n## 7. Granular requested-coverage table\n\nThe branch table above supplies individual coverage for **B01–B28**. The following table supplies the question-to-claim/source crosswalk for every numbered request and its material subquestions.\n\n| Question/material subquestion | Status and finding | Claim/source/branch crosswalk | Missing evidence and exact next permissible inquiry |\n| --- | --- | --- | --- |\n| **1.1 Complete selected bodies and actual organization** | **Answered within selected interval.** All eight bodies present and read; Chapter 77 heading verified. | C001; S001–S008; B01. | Whole-chapter index access failed. No inference that §9708 is the chapter endpoint; obtain an ordinary official index only if broader organization becomes necessary. |\n| **1.2 Definitions, nested conditions, exceptions, notes** | **Answered/partial.** Selected statutory text and material statutory notes read; necessary Act-level incorporation traced. | C003–C008, C074; S001–S014; B02–B03. | Full FCRA consequences, travel rates, and separate executive-council histories excluded; read only a newly indispensable narrow clause. |\n| **1.3 Version, publication status, access, later history** | **Partial.** Displayed current compilations and actual access documented. | C001–C002, C014; source register; B25. | Post-cutoff enactments and exhaustive judicial history not certified; check later public amendatory law if required. |\n| **2.1 Defined versus merely used financial-literacy terms** | **Answered.** Institutional terms are defined; no personal literacy/clinical test supplied by selected enacted sections. | C004–C006, C073; S001, S009, S013; B02. | Separate legal definitions and empirical measures require separate authority/evidence. |\n| **2.2 Commission, offices, and generic roles** | **Answered as statutory categories.** Leadership and office responsibilities distinguished. | C015–C019, C056, C058, C061; S002, S005–S007; B04. | Current holders/organization unexamined; only public legal transfer/delegation instruments would be permissible next authorities. |\n| **2.3 Covered people, topics, and materials** | **Answered as statutory audiences and subjects.** | C015, C024–C039; S002–S003; B03, B11–B14. | No actual recipient or program eligibility established; identify separate enabling law if eligibility becomes a new component. |\n| **3.1 Creation and purpose** | **Answered.** Commission and national-strategy purpose established. | C003, C015; S002, S009. | Actual operations held; no additional inquiry needed for the stated text. |\n| **3.2 Composition, representation, appointment, alternates** | **Answered rule/application unresolved.** Full statutory offices and appointment predicates retained. | C007, C016–C019; S002, S012; B05–B06. | No roster, appointments, or attendance; next inquiry limited to public changes to composition/designation law. |\n| **3.3 Meetings and decision rules** | **Answered selected rules.** Frequency, publicity, majority quorum, hearing exception, initial deadline. | C020–C022; M001–M004; S002; B07. | Other decision procedures and actual compliance unexamined; read a precise generic procedural authority if needed. |\n| **3.4 Support and administration** | **Answered/partial.** Compensation, travel-reference, Treasury assistance, and details explained. | C054–C057; S005; B23. | Travel rates and legal office-transfer history held; narrow Title 5 or transfer-law inquiry only. |\n| **3.5 Institutional discretion versus entitlement/power** | **Answered boundary.** Mandatory functions with discretion distinguished from private rights and general enforcement. | C023, C050–C053, C068, C072; S003–S004; B08–B09, B26. | Any further claimed authority requires its own enabling statute. |\n| **4.1 National strategy and coordination** | **Answered rules; implementation unresolved.** Contents, duplication, participation, review and coordination traced. | C040–C044; S003(e)–(g); B10. | No actual strategy/implementation audit; later amendments are the permissible legal inquiry. |\n| **4.2 Clearinghouse, website, grant information, links** | **Answered rules.** Illustrative domain and distinct website purposes retained. | C036–C037; S003(b); B12–B13. | Actual site compliance and grant eligibility held; underlying public grant law would be separate. |\n| **4.3 Hotline, materials, promotion, dissemination** | **Answered rules; implementation unresolved.** | C038–C039, C053, C061–C063; S003(c)–(d), S004(d), S007. | No operational availability or campaign audit; no actual contact permitted. |\n| **4.4 Readability, accessibility, neutrality, targeting** | **Answered narrow text; broader standards excluded.** Clause-specific clarity, access, noncommercial links, multilingual provisions and targeted populations identified. | C028–C029, C033, C037, C053, C069; S003–S004, S007; B14–B16. | No universal reading-grade or accessibility certification. Separate public accessibility/language law remains next authority if authorized. |\n| **4.5 Reviews, reports, recommendations, testimony** | **Answered legal requirements; actual performance unresolved.** | C034, C043–C049, C058–C060, C065; S003, S006–S007; B17–B18, B21. | Actual reports and data held; §9707(e)’s reference defect requires a public correction or interpretation. |\n| **5.1 Debt, borrowing, credit, savings, spending, planning** | **Answered as educational topics.** No payment plan, score result, or debt-validity finding. | C024–C027, C030–C033; S003(a); B11. | Separate consumer-credit rules and actual applications excluded. |\n| **5.2 Fraud, investor recourse, retirement and other topics** | **Answered in exact contexts.** Deceptive offers and retirement appear in educational subjects; fraud/identity theft also appear as illustrative report-obtaining purposes. | C024, C027–C029, C059; S003(a)(2), S006(b)(2). | No fraud finding, retirement suitability, or available remedy; each requires separate law/facts. |\n| **5.3 Education, counseling, advice, enforcement, relief** | **Answered boundary.** These concepts are not treated as interchangeable. | C068, C071–C073; S003–S008; B09, B26–B28. | Professional-practice and debt-relief regimes remain held. |\n| **6.1 Grants, contracts, permitted relationships** | **Adapted to actual text.** Program/grant coordination and information are present; campaign nonprofit relationship is express. | C023, C036, C062–C063, C068; S003, S007; B20. | No complete independent grant/procurement system or actual award; identify the particular public enabling authority if necessary. |\n| **6.2 Appropriations authorizations and resources** | **Answered text; funding unresolved.** Historical campaign wording and general authorization distinguished. | C066–C067; M023–M024; S007–S008; B19. | Actual appropriations/spending not researched; only relevant public appropriation enactments would resolve authority. |\n| **6.3 Compensation, reimbursement, personnel** | **Answered/partial.** Express provisions traced; exact travel-rate regime held. | C054–C057; M015–M017; S005; B23. | No rate or actual detail; narrow incorporated travel law is next if needed. |\n| **6.4 Conflicts, liability, general rulemaking** | **Excluded as absent from the selected express framework.** No complete separate regime invented. | C068; S001–S008; B09, B20. | Applicable external ethics, liability, procurement, or agency authority would require a separately identified legal question. |\n| **6.5 Reporting, oversight, evaluation** | **Answered duties; results unresolved.** Required assessment differs from validated evidence. | C045–C049, C058–C060, C064–C065, C073; S003, S006–S007; B17–B18. | Actual methods/results and report compliance held. |\n| **7.1 Original enactment** | **Answered selected complete enactment.** §§2–3 and Title V read. | C003, C012; S009. | No whole-FACT-Act investigation claimed. |\n| **7.2 Original commencement/application** | **Answered narrow framework; no blanket date inferred.** Act §3, interim/final rule, technical recodification and current §602.1 traced. | C012–C014; S009, S015–S018; B22. | Provision-specific later substantive rule effects outside this pass remain held. |\n| **7.3 2010 membership amendment** | **Answered.** Amendment and §1018 enactment trigger read. | C009; S010; B22. | No current roster or other Bureau powers investigated. |\n| **7.4 Banking-definition change** | **Partial.** Actual deletion and governing transfer-date clauses read; no actual designated date certified. | C007, C010; S010, S012; M033–M035. | A necessary public transfer-date instrument is the next narrow inquiry if actual historical commencement must be established. |\n| **7.5 2018 higher-education amendment** | **Answered.** Complete §603 and enactment anchor read. | C011, C032–C035; S011. | Actual best-practices process/results held. |\n| **7.6 Official explanation and statutory difference** | **Answered bounded comparison.** Selected introduction is explanatory, not amendatory; unknown publisher date retained. | C070; S019; B24. | No actual roster, materials, or program audit; public amendments control any legal mismatch. |\n| **8.1 Behavioral and psychological mechanisms** | **Excluded with reason.** Statutory duties do not establish causal mechanisms or effects. | C073; B27–B28; gaps table below. | Appropriate public empirical research would require a separate authorized component. |\n| **8.2 Clinical care, psychometrics, individual capacity/suitability** | **Excluded with reason.** No medical or personal assessment undertaken. | C005, C073; B02, B28. | Validated measures, clinical evidence, and actual facts are not supplied and are not requested here. |\n| **8.3 Other laws and actual implementation** | **Excluded/held.** Consumer-credit, private counseling, accessibility, other jurisdictions, debt/tax/bankruptcy, and implementation remain separate. | C068, C071–C074; B09, B14, B19, B26–B28. | Identify a precise next public-law component; no omnibus extension or individual inquiry. |\n| **9.1 Institutional responsibility / individual entitlement** | **Answered comparison.** | Comparison row 1; C015, C023, C072; S002–S008. | Separate entitlement law and actual facts absent. |\n| **9.2 Defined term / personal trait** | **Answered comparison.** | Comparison row 2; C004–C008; S001, S009, S012–S014. | Measurement/clinical interpretation remains outside the statutory definition. |\n| **9.3 Subject matter / behavioral effect** | **Answered boundary.** | Comparison row 3; C031, C064, C073. | Empirical causal evidence absent. |\n| **9.4 Duty / implementation** | **Answered boundary.** | Comparison row 4; C034, C036–C049. | Actual deliverables/compliance not audited. |\n| **9.5 Education / advice or counseling** | **Answered boundary.** | Comparison row 5; C071–C072. | Separate professional-practice authority required. |\n| **9.6 Coordination / enforcement** | **Answered boundary.** | Comparison row 6; C023, C051, C068. | Separate enabling law required for additional power. |\n| **9.7 Authorization / appropriation/spending** | **Answered text; actual funding unresolved.** | Comparison row 7; C066–C068; S007–S008. | Relevant appropriation law unexamined. |\n| **9.8 Historical/current office wording** | **Answered text; actual organization unresolved.** | Comparison row 8; C007, C009–C010, C056. | Public legal transfer/rename instruments may be necessary; no roster inquiry. |\n| **9.9 Explanation / operative law** | **Answered.** | Comparison row 9; C070; S019. | Unknown page publication date and implementation remain limits. |\n| **9.10 Information / endorsement** | **Answered boundary.** | Comparison row 10; C036–C037, C069. | Actual links and separate endorsement authority unexamined. |\n| **9.11 Complete relied-on quantities** | **Answered as a register.** All operative quantities and relied-on historical/source-status dates are recorded without calculations. | M001–M039; corresponding claims/sources. | Unspecified intervals and rate regimes are marked; no actual calendar/model inquiry necessary. |\n| **10.1 Conditional branches** | **Answered with application holds.** Twenty-eight substantive branches supplied. | B01–B28, each with claims, sources, missing predicates, prohibited inference, and next inquiry. | Individual application and excluded regimes remain held in each row. |\n| **11.1 Blank worksheet** | **Answered.** All entry/analysis/result cells are empty. | Section 6 above. | No data collection, assessment, application, or outcome produced. |\n\n## 8. Source-read and failure log\n\nSuccessful alternate access does not erase an earlier failure. No failed endpoint, search snippet, or search-index description is used as substantive legal evidence.\n\n| Log ID | Endpoint or source group | Actual result/read boundary | Consequence |\n| --- | --- | --- | --- |\n| **L01** | S001–S008, current individual Code sections | All selected statutory bodies and identified material notes ultimately read. S003 required successive bounded reads to cover its entire body. | Complete selected-section findings; no whole-regime claim. |\n| **L02** | [https://uscode.house.gov/us/usc/t20/s9704/](https://uscode.house.gov/us/usc/t20/s9704/) [https://uscode.house.gov/us/usc/t20/s9705/](https://uscode.house.gov/us/usc/t20/s9705/) [https://uscode.house.gov/us/usc/t20/s9707/](https://uscode.house.gov/us/usc/t20/s9707/) | Initial generic endpoints returned **403**. | Preserved failures. Readable official versioned section bodies were subsequently obtained through ordinary access/navigation. No security workaround. |\n| **L03** | [https://uscode.house.gov/us/usc/119-134/t20/s9704/](https://uscode.house.gov/us/usc/119-134/t20/s9704/?utm_source=chatgpt.com) | An initial versioned opening was reported inaccessible; a subsequent ordinary official “Next” section navigation returned the complete body. | The successful read supports S004; the initial failure remains part of the record. |\n| **L04** | [https://uscode.house.gov/view.xhtml?edition=prelim&path=%2Fprelim%40title20%2Fchapter77](https://uscode.house.gov/view.xhtml?edition=prelim&path=%2Fprelim@title20%2Fchapter77&utm_source=chatgpt.com) | **500 Internal Server Error.** | No whole-chapter read claimed from this endpoint. Chapter location is supported by individual-section headers. |\n| **L05** | [https://uscode.house.gov/view.xhtml?edition=prelim&num=0&req=granuleid%3AUSC-prelim-title20-chapter77](https://uscode.house.gov/view.xhtml?edition=prelim&num=0&req=granuleid%3AUSC-prelim-title20-chapter77) | Reported inaccessible. | No substantive law inferred from the failure. |\n| **L06** | [https://uscode.house.gov/browse/prelim%40title20/chapter77%26edition%3Dprelim](https://uscode.house.gov/browse/prelim%40title20/chapter77%26edition%3Dprelim) | Attempted browse-form URL returned **404**. | Navigation failure only; not evidence about the existence of Chapter 77 or any section. |\n| **L07** | S009–S011, enacted Acts | Complete selected Title V and §§2–3 of the 2003 Act; complete identified 2010 amendments/triggers; complete 2018 §603. | HTML reads of bounded enacted text, not whole-Act certification or a complete legislative-history dossier. |\n| **L08** | S012–S014, incorporated definitions | Exact narrow relied-on definitions read; broader surrounding regimes not adopted. | Actual FCRA, banking, or transaction classifications remain unresolved where their predicates/cross-references exceed scope. |\n| **L09** | S015–S018, effective-date instruments | Interim material clauses, final material explanation/amendments, technical recodification, and complete current §602.1 read. | Preamble interpretation distinguished from operative text; currentness metadata distinguished from commencement. |\n| **L10** | [https://www.govinfo.gov/content/pkg/FR-2004-05-20/html/04-11329.htm](https://www.govinfo.gov/content/pkg/FR-2004-05-20/html/04-11329.htm) | GovInfo HTML endpoint reported inaccessible. The official PDF in S017 was readable; FederalRegister.gov rendition also read within stated bounds. | Original-format failure retained. Official PDF parsed text supplied the selected adoption/date clauses; no pixel or whole-file claim. |\n| **L11** | S001 appended executive documents; S019 program introduction | Executive-document references screened without a full currentness/history adoption; only selected complete introductory program paragraphs relied on. | No executive-council current-status conclusion, member-list verification, website audit, or program-results claim. |\n| **L12** | Search/index discoveries and text-location probes | Search hits, annual-code/mirror leads, and publication/crawl metadata were discovery only. A nonmatching text-location probe did not establish absence of an amendment. | No search snippet or nonofficial mirror is treated as the current statutory body. Incorrectly useful-looking timestamps were not substituted for enacted/publication dates. |\n\n## 9. Explicit remaining gaps\n\n### A. Legal and source-status gaps\n\n1. **Later-law completeness:** the Code and eCFR cutoffs are recorded, but subsequent enactments, comprehensive intervening history, judicial treatment, and other authorities were not exhaustively certified. No “no later change” representation is made. **C001–C002, C014, C074.**\n2. **Campaign-report reference defect:** the original and current texts contain the subsection (e) self-reference. The editorial suggestion is visible but not enacted law. No resolution of its legal effect is supplied. **C065; S007, S009.**\n3. **Actual implementation:** no strategy, actual member roster, meeting record, report, testimony, material collection, campaign, grant award, contract, or spending record was used to establish compliance or results. **C016–C022, C034–C070.**\n4. **External incorporations:** the complete travel-rate regime, full FCRA consequences, actual banking-transfer designation history, and any later legal reorganization of the named Treasury office remain outside the completed narrow reading. **C006–C010, C055–C056, C074.**\n5. **Funding:** the report distinguishes authorizations from appropriations. It supplies no actual appropriation, available balance, recipient, contract, grant eligibility, or expenditure conclusion. The historical campaign ceiling is preserved without multiplying or rewriting it. **C062, C065–C068.**\n6. **Individual and other-law consequences:** no individual education service, professional advice, representation, correction remedy, debt relief, account access, benefit, eligibility, or cause of action is determined. Full consumer-credit, counseling, civil-rights/accessibility, other-jurisdiction, tax, credit, collection, and bankruptcy questions remain held. **C068–C074.**\n\n### B. Missing evidence for remaining A080 dimensions\n\nThis table identifies evidence categories, not research findings or an invitation to provide personal information.\n\n| Remaining dimension | What the statutory framework supplies | Evidence that would be needed in a separately authorized component |\n| --- | --- | --- |\n| Shame, avoidance, and anxiety | Education goals and institutional duties only. | Research defining the constructs, population, measurement validity, context, and relationship to behavior; clinical claims would need appropriate clinical evidence. |\n| Financial pressure and fatigue | No mechanism or effect estimate. | Suitable empirical designs distinguishing pressure/fatigue from correlated circumstances and measuring relevant outcomes over time. |\n| Minimum-payment anchoring, optimism, and other behavioral mechanisms | No causal finding about these mechanisms. | Clearly specified interventions or exposures, comparison conditions, outcome definitions, causal identification, and limits on generalization. |\n| Household conflict | No household assessment or relationship determination. | Appropriate public research on relevant populations and settings; no inference about any household from a legal education category. |\n| Motivation and completion barriers | A goal of improved choices and statutory evaluation tasks. | Engagement, attrition, adherence, completion, follow-up, and implementation evidence, with uncertainty and selection effects addressed. |\n| Educational intervention efficacy | Duties to assess success, impact, and decisionmaking. | Actual study methods and results, credible comparison/counterfactual design, practical outcomes, follow-up, and applicability limits. A mandated metric alone is insufficient. |\n| Psychometrics, literacy level, capacity, suitability, and clinical care | No individual test or clinical standard in the selected enacted sections. | Validated instruments or relevant legal/clinical standards, with a separately authorized scope. No personal assessment is undertaken here. |\n\nThese are scope conclusions derived from what the selected law requires institutions to do; they are **not findings that any psychological mechanism is present, absent, helpful, harmful, or causally established**. **C005, C031, C058–C064, C073.**\n\n## 10. Researcher self-check — not independent review\n\n| Check | Result |\n| --- | --- |\n| Independent foundation | This pass used newly opened public legal sources. Prior R032/R040/R049/R072/R074/R076/R078 or other reports were not premises or source packets. |\n| Selected-body completeness | Complete current bodies of §§9701–9708 were read, including their nested statutory clauses and identified material notes. |\n| Historical authentication | Original Title V, necessary Act definitions/effective-date provisions, the 2010 membership amendment, the narrow banking-definition change, and the 2018 amendment were read in enacted text. |\n| Source-status discipline | Current compilation, historical enactment, rule text, preamble interpretation, editorial note, and generic program explanation are distinguished. |\n| Failure preservation | Failed endpoints and successful alternatives are recorded without treating failure as repeal, absence of authority, or a system quota. |\n| Quantities | Every relied-on operative quantity and historical/source-status date is registered; no actual financial or calendar computation was performed. |\n| Legal inference limits | No institutional duty was converted into individual eligibility, debt relief, program completion, funding, enforcement power, or empirical efficacy. |\n| Actual-record boundary | No identifying party, provider, institution, account, financial profile, roster, case, completed form, contract, award, or private record was queried or created. Statutory office names were used only as public legal categories. |\n| Operational boundary | No contact, filing, application, payment, purchase, website change, account action, or security workaround occurred. |\n| Review status | This is the researcher’s self-check, **not independent review**, component acceptance, parent acceptance, operational approval, or publication acceptance. No local-file, hash, import, or unseen UI/model-provenance claim is made. |\n\nEND R080 PASS-01.\n\n","tables":[{"headers":["Source ID; issuer/title","Complete literal HTTPS URL","Exact read extent","Version, legal status, commencement, access, and limits"],"index":0,"links":[{"href":"https://uscode.house.gov/us/usc/119-134/t20/s9701/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-134/t20/s9701/"},{"href":"https://uscode.house.gov/us/usc/119-134/t20/s9701/?utm_source=chatgpt.com","text":"uscode.house.gov"},{"href":"https://uscode.house.gov/us/usc/119-134/t20/s9702/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-134/t20/s9702/"},{"href":"https://uscode.house.gov/us/usc/119-134/t20/s9702/?utm_source=chatgpt.com","text":"uscode.house.gov"},{"href":"https://uscode.house.gov/us/usc/119-134/t20/s9703/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-134/t20/s9703/"},{"href":"https://uscode.house.gov/us/usc/119-134/t20/s9703/?utm_source=chatgpt.com","text":"uscode.house.gov"},{"href":"https://uscode.house.gov/us/usc/119-134/t20/s9704/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-134/t20/s9704/"},{"href":"https://uscode.house.gov/us/usc/119-134/t20/s9704/?utm_source=chatgpt.com","text":"uscode.house.gov"},{"href":"https://uscode.house.gov/us/usc/119-134/t20/s9705/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-134/t20/s9705/"},{"href":"https://uscode.house.gov/us/usc/119-134/t20/s9705/?utm_source=chatgpt.com","text":"uscode.house.gov"},{"href":"https://uscode.house.gov/us/usc/119-134/t20/s9706/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-134/t20/s9706/"},{"href":"https://uscode.house.gov/us/usc/119-134/t20/s9706/?utm_source=chatgpt.com","text":"uscode.house.gov"},{"href":"https://uscode.house.gov/us/usc/119-134/t20/s9707/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-134/t20/s9707/"},{"href":"https://uscode.house.gov/us/usc/119-134/t20/s9707/?utm_source=chatgpt.com","text":"uscode.house.gov"},{"href":"https://uscode.house.gov/us/usc/119-134/t20/s9708/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-134/t20/s9708/"},{"href":"https://uscode.house.gov/us/usc/119-134/t20/s9708/?utm_source=chatgpt.com","text":"uscode.house.gov"}],"row_links":[[],[{"href":"https://uscode.house.gov/us/usc/119-134/t20/s9701/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-134/t20/s9701/"},{"href":"https://uscode.house.gov/us/usc/119-134/t20/s9701/?utm_source=chatgpt.com","text":"uscode.house.gov"}],[{"href":"https://uscode.house.gov/us/usc/119-134/t20/s9702/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-134/t20/s9702/"},{"href":"https://uscode.house.gov/us/usc/119-134/t20/s9702/?utm_source=chatgpt.com","text":"uscode.house.gov"}],[{"href":"https://uscode.house.gov/us/usc/119-134/t20/s9703/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-134/t20/s9703/"},{"href":"https://uscode.house.gov/us/usc/119-134/t20/s9703/?utm_source=chatgpt.com","text":"uscode.house.gov"}],[{"href":"https://uscode.house.gov/us/usc/119-134/t20/s9704/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-134/t20/s9704/"},{"href":"https://uscode.house.gov/us/usc/119-134/t20/s9704/?utm_source=chatgpt.com","text":"uscode.house.gov"}],[{"href":"https://uscode.house.gov/us/usc/119-134/t20/s9705/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-134/t20/s9705/"},{"href":"https://uscode.house.gov/us/usc/119-134/t20/s9705/?utm_source=chatgpt.com","text":"uscode.house.gov"}],[{"href":"https://uscode.house.gov/us/usc/119-134/t20/s9706/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-134/t20/s9706/"},{"href":"https://uscode.house.gov/us/usc/119-134/t20/s9706/?utm_source=chatgpt.com","text":"uscode.house.gov"}],[{"href":"https://uscode.house.gov/us/usc/119-134/t20/s9707/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-134/t20/s9707/"},{"href":"https://uscode.house.gov/us/usc/119-134/t20/s9707/?utm_source=chatgpt.com","text":"uscode.house.gov"}],[{"href":"https://uscode.house.gov/us/usc/119-134/t20/s9708/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-134/t20/s9708/"},{"href":"https://uscode.house.gov/us/usc/119-134/t20/s9708/?utm_source=chatgpt.com","text":"uscode.house.gov"}]],"rows":[["Source ID; issuer/title","Complete literal HTTPS URL","Exact read extent","Version, legal status, commencement, access, and limits"],["R080-P1-S001 — Congress/OLRC, 20 U.S.C. §9701, Definitions","https://uscode.house.gov/us/usc/119-134/t20/s9701/","Complete statutory body, paragraphs (1)–(2); source credit; effective-date and short-title notes. Appended executive-document material was screened for relevant references, but not authenticated as a complete current executive-order regime.","V; A. Official current Code presentation of enacted law. Original §512 of P.L. 108-159. Effective-date incorporation traced through S009 and S015–S018. Separate presidential advisory-council provisions and their later histories are not adopted as current definitions for this pass. \nuscode.house.gov"],["R080-P1-S002 — Congress/OLRC, §9702, Establishment of Financial Literacy and Education Commission","https://uscode.house.gov/us/usc/119-134/t20/s9702/","Complete (a)–(g), including every membership category, alternates, leadership, meetings, quorum, initial meeting; source, amendment, and effective-date notes.","V; A. Original §513; current body includes the 2010 amendment adding the Bureau director and vice-chair role. Enacted amendment and its applicable commencement clause independently read in S010. No roster or actual appointment verification. \nuscode.house.gov"],["R080-P1-S003 — Congress/OLRC, §9703, Duties of the Commission","https://uscode.house.gov/us/usc/119-134/t20/s9703/","Complete (a)–(i), including (a)(2)(A)–(J), all of (a)(3)(A)–(D), website clauses, strategy, consultation, all report contents, and testimony; source, amendment, effective-date, and definitions notes.","V; A. Original §514, with 2018 higher-education amendment. S011 supplies the actual amendatory body. Duties and deadlines are not findings of completion, accessibility compliance, material quality, or efficacy. \nuscode.house.gov"],["R080-P1-S004 — Congress/OLRC, §9704, Powers of the Commission","https://uscode.house.gov/us/usc/119-134/t20/s9704/","Complete (a)(1)–(2), (b), (c), and (d), including listed hearing-participant categories and conditions on federal information requests; source and effective-date note.","V; A. Original §515. Initial access failures were followed by a successful ordinary official-section opening. No hearing, witness, information request, or actual study inspected. \nuscode.house.gov"],["R080-P1-S005 — Congress/OLRC, §9705, Commission personnel matters","https://uscode.house.gov/us/usc/119-134/t20/s9705/","Complete (a), (b), and (c)(1)–(2); source and effective-date note.","V; A. Original §516. Travel-rate incorporation is preserved, but the separate Title 5 travel regime and current rates are not supplied. The statutory Treasury office wording is reported without an organizational or personnel audit. \nuscode.house.gov"],["R080-P1-S006 — Congress/OLRC, §9706, Studies by the Comptroller General","https://uscode.house.gov/us/usc/119-134/t20/s9706/","Complete (a), (b)(1), (b)(2)(A)–(E), and (b)(3); source, effective-date, and definitions notes.","V; A. Original §517. Actual reports, data, study findings, and compliance with historical deadlines were not investigated. The Act-level definition incorporation was read in S009. \nuscode.house.gov"],["R080-P1-S007 — Congress/OLRC, §9707, The national public service multimedia campaign to enhance the state of financial literacy","https://uscode.house.gov/us/usc/119-134/t20/s9707/","Complete (a)–(f), including every program requirement, multilingual discretion, measures, reporting trigger, funding language, effective-date note, and editorial footnote to (e).","V; A. Original §518. Historical fiscal-year authorization remains displayed in the current Code. The original self-reference in (e) was verified in S009. No silent correction, appropriation finding, or campaign evaluation. \nuscode.house.gov"],["R080-P1-S008 — Congress/OLRC, §9708, Authorization of appropriations","https://uscode.house.gov/us/usc/119-134/t20/s9708/","Complete unnumbered statutory paragraph, source credit, and effective-date note.","V; A. Original §519. Open-ended authorization wording; no appropriation or spending instrument examined. No conclusion that this is the chapter’s last section. \nuscode.house.gov"]]},{"headers":["Source ID; issuer/title","Complete literal HTTPS URL","Exact read extent","Version/status, dates, access, and limits"],"index":1,"links":[{"href":"https://www.govinfo.gov/content/pkg/PLAW-108publ159/html/PLAW-108publ159.htm?utm_source=chatgpt.com","text":"https://www.govinfo.gov/content/pkg/PLAW-108publ159/html/PLAW-108publ159.htm"},{"href":"https://www.govinfo.gov/content/pkg/PLAW-108publ159/html/PLAW-108publ159.htm?utm_source=chatgpt.com","text":"govinfo.gov\n+3"},{"href":"https://www.govinfo.gov/content/pkg/PLAW-111publ203/html/PLAW-111publ203.htm?utm_source=chatgpt.com","text":"https://www.govinfo.gov/content/pkg/PLAW-111publ203/html/PLAW-111publ203.htm"},{"href":"https://www.govinfo.gov/content/pkg/PLAW-111publ203/html/PLAW-111publ203.htm?utm_source=chatgpt.com","text":"govinfo.gov\n+5"},{"href":"https://www.govinfo.gov/content/pkg/PLAW-115publ174/html/PLAW-115publ174.htm?utm_source=chatgpt.com","text":"https://www.govinfo.gov/content/pkg/PLAW-115publ174/html/PLAW-115publ174.htm"},{"href":"https://www.govinfo.gov/content/pkg/PLAW-115publ174/html/PLAW-115publ174.htm?utm_source=chatgpt.com","text":"govinfo.gov\n+1"},{"href":"https://uscode.house.gov/us/usc/119-134/t12/s1813/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-134/t12/s1813/"},{"href":"https://uscode.house.gov/us/usc/119-134/t12/s1813/?utm_source=chatgpt.com","text":"uscode.house.gov\n+1"},{"href":"https://uscode.house.gov/us/usc/119-134/t15/s1681a/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-134/t15/s1681a/"},{"href":"https://uscode.house.gov/us/usc/119-134/t15/s1681a/?utm_source=chatgpt.com","text":"uscode.house.gov\n+1"},{"href":"https://uscode.house.gov/us/usc/119-134/t12/s461/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-134/t12/s461/"},{"href":"https://uscode.house.gov/us/usc/119-134/t12/s461/?utm_source=chatgpt.com","text":"uscode.house.gov"},{"href":"https://www.govinfo.gov/content/pkg/FR-2003-12-24/html/03-31359.htm?utm_source=chatgpt.com","text":"https://www.govinfo.gov/content/pkg/FR-2003-12-24/html/03-31359.htm"},{"href":"https://www.govinfo.gov/content/pkg/FR-2003-12-24/html/03-31359.htm?utm_source=chatgpt.com","text":"govinfo.gov\n+2"},{"href":"https://www.govinfo.gov/content/pkg/FR-2004-02-11/html/04-2913.htm?utm_source=chatgpt.com","text":"https://www.govinfo.gov/content/pkg/FR-2004-02-11/html/04-2913.htm"},{"href":"https://www.govinfo.gov/link/fr/69/6526?utm_source=chatgpt.com","text":"https://www.govinfo.gov/link/fr/69/6526"},{"href":"https://www.govinfo.gov/content/pkg/FR-2004-02-11/html/04-2913.htm?utm_source=chatgpt.com","text":"govinfo.gov\n+3"},{"href":"https://www.govinfo.gov/content/pkg/FR-2004-05-20/pdf/04-11329.pdf?utm_source=chatgpt.com","text":"https://www.govinfo.gov/content/pkg/FR-2004-05-20/pdf/04-11329.pdf"},{"href":"https://www.federalregister.gov/documents/2004/05/20/04-11329/amendment-of-rules-under-the-fact-act","text":"https://www.federalregister.gov/documents/2004/05/20/04-11329/amendment-of-rules-under-the-fact-act"},{"href":"https://www.govinfo.gov/content/pkg/FR-2004-05-20/pdf/04-11329.pdf?utm_source=chatgpt.com","text":"govinfo.gov\n+4"},{"href":"https://www.ecfr.gov/current/title-16/chapter-I/subchapter-F/part-602?utm_source=chatgpt.com","text":"https://www.ecfr.gov/current/title-16/chapter-I/subchapter-F/part-602"},{"href":"https://www.ecfr.gov/current/title-16/chapter-I/subchapter-F/part-602?utm_source=chatgpt.com","text":"ecfr.gov\n+1"},{"href":"https://www.mymoney.gov/About-Us?utm_source=chatgpt.com","text":"https://www.mymoney.gov/About-Us"},{"href":"https://www.mymoney.gov/About-Us?utm_source=chatgpt.com","text":"MyMoney.gov"}],"row_links":[[],[{"href":"https://www.govinfo.gov/content/pkg/PLAW-108publ159/html/PLAW-108publ159.htm?utm_source=chatgpt.com","text":"https://www.govinfo.gov/content/pkg/PLAW-108publ159/html/PLAW-108publ159.htm"},{"href":"https://www.govinfo.gov/content/pkg/PLAW-108publ159/html/PLAW-108publ159.htm?utm_source=chatgpt.com","text":"govinfo.gov\n+3"}],[{"href":"https://www.govinfo.gov/content/pkg/PLAW-111publ203/html/PLAW-111publ203.htm?utm_source=chatgpt.com","text":"https://www.govinfo.gov/content/pkg/PLAW-111publ203/html/PLAW-111publ203.htm"},{"href":"https://www.govinfo.gov/content/pkg/PLAW-111publ203/html/PLAW-111publ203.htm?utm_source=chatgpt.com","text":"govinfo.gov\n+5"}],[{"href":"https://www.govinfo.gov/content/pkg/PLAW-115publ174/html/PLAW-115publ174.htm?utm_source=chatgpt.com","text":"https://www.govinfo.gov/content/pkg/PLAW-115publ174/html/PLAW-115publ174.htm"},{"href":"https://www.govinfo.gov/content/pkg/PLAW-115publ174/html/PLAW-115publ174.htm?utm_source=chatgpt.com","text":"govinfo.gov\n+1"}],[{"href":"https://uscode.house.gov/us/usc/119-134/t12/s1813/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-134/t12/s1813/"},{"href":"https://uscode.house.gov/us/usc/119-134/t12/s1813/?utm_source=chatgpt.com","text":"uscode.house.gov\n+1"}],[{"href":"https://uscode.house.gov/us/usc/119-134/t15/s1681a/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-134/t15/s1681a/"},{"href":"https://uscode.house.gov/us/usc/119-134/t15/s1681a/?utm_source=chatgpt.com","text":"uscode.house.gov\n+1"}],[{"href":"https://uscode.house.gov/us/usc/119-134/t12/s461/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-134/t12/s461/"},{"href":"https://uscode.house.gov/us/usc/119-134/t12/s461/?utm_source=chatgpt.com","text":"uscode.house.gov"}],[{"href":"https://www.govinfo.gov/content/pkg/FR-2003-12-24/html/03-31359.htm?utm_source=chatgpt.com","text":"https://www.govinfo.gov/content/pkg/FR-2003-12-24/html/03-31359.htm"},{"href":"https://www.govinfo.gov/content/pkg/FR-2003-12-24/html/03-31359.htm?utm_source=chatgpt.com","text":"govinfo.gov\n+2"}],[{"href":"https://www.govinfo.gov/content/pkg/FR-2004-02-11/html/04-2913.htm?utm_source=chatgpt.com","text":"https://www.govinfo.gov/content/pkg/FR-2004-02-11/html/04-2913.htm"},{"href":"https://www.govinfo.gov/link/fr/69/6526?utm_source=chatgpt.com","text":"https://www.govinfo.gov/link/fr/69/6526"},{"href":"https://www.govinfo.gov/content/pkg/FR-2004-02-11/html/04-2913.htm?utm_source=chatgpt.com","text":"govinfo.gov\n+3"}],[{"href":"https://www.govinfo.gov/content/pkg/FR-2004-05-20/pdf/04-11329.pdf?utm_source=chatgpt.com","text":"https://www.govinfo.gov/content/pkg/FR-2004-05-20/pdf/04-11329.pdf"},{"href":"https://www.federalregister.gov/documents/2004/05/20/04-11329/amendment-of-rules-under-the-fact-act","text":"https://www.federalregister.gov/documents/2004/05/20/04-11329/amendment-of-rules-under-the-fact-act"},{"href":"https://www.govinfo.gov/content/pkg/FR-2004-05-20/pdf/04-11329.pdf?utm_source=chatgpt.com","text":"govinfo.gov\n+4"}],[{"href":"https://www.ecfr.gov/current/title-16/chapter-I/subchapter-F/part-602?utm_source=chatgpt.com","text":"https://www.ecfr.gov/current/title-16/chapter-I/subchapter-F/part-602"},{"href":"https://www.ecfr.gov/current/title-16/chapter-I/subchapter-F/part-602?utm_source=chatgpt.com","text":"ecfr.gov\n+1"}],[{"href":"https://www.mymoney.gov/About-Us?utm_source=chatgpt.com","text":"https://www.mymoney.gov/About-Us"},{"href":"https://www.mymoney.gov/About-Us?utm_source=chatgpt.com","text":"MyMoney.gov"}]],"rows":[["Source ID; issuer/title","Complete literal HTTPS URL","Exact read extent","Version/status, dates, access, and limits"],["R080-P1-S009 — Congress/GPO, Fair and Accurate Credit Transactions Act of 2003, P.L. 108-159","https://www.govinfo.gov/content/pkg/PLAW-108publ159/html/PLAW-108publ159.htm","Complete §§2–3; complete Title V, §§511–519. HTML includes printed markers 117 Stat. 1953 and 2003–2010. Original §518(e)–(f) specifically compared with current §9707.","Enacted December 4, 2003; historical enactment establishing the framework, not an unamended current substitute. A. Selected complete clauses/title, not the whole Act. No PDF indices: HTML used. \ngovinfo.gov\n+3"],["R080-P1-S010 — Congress/GPO, Dodd-Frank Wall Street Reform and Consumer Protection Act, P.L. 111-203","https://www.govinfo.gov/content/pkg/PLAW-111publ203/html/PLAW-111publ203.htm","Enactment header; complete §1013(d)(5)–(6) and §1018; complete §311(a)–(b), §351, §363(1)(C) with amendatory lead-in, and §364(a) as the narrow exception identified by §351. Relevant printed markers include 124 Stat. 1971, 1979, and 1550.","Enacted July 21, 2010. §1018 makes its subtitle effective on enactment. The separate banking-definition amendment uses the Title III transfer-date framework, not §1018. A. No whole-Act read; no actual transfer-date designation or current officeholder inquiry. \ngovinfo.gov\n+5"],["R080-P1-S011 — Congress/GPO, Economic Growth, Regulatory Relief, and Consumer Protection Act, P.L. 115-174","https://www.govinfo.gov/content/pkg/PLAW-115publ174/html/PLAW-115publ174.htm","Enactment header; complete §603, including all added (a)(3)(A)–(D); approval line. Printed 132 Stat. 1367–1368; HTML, not PDF.","Enacted May 24, 2018. The new establishment deadline is anchored to enactment; maintenance/public-availability duties and the nonmandatory-adoption clause are in the actual amendment. A. No whole-Act or completed best-practices-report review. \ngovinfo.gov\n+1"],["R080-P1-S012 — Congress/OLRC, 12 U.S.C. §1813, Definitions","https://uscode.house.gov/us/usc/119-134/t12/s1813/","Complete (z), “Federal banking agency”; relevant 2010 amendment note, used as a lead and checked against S010.","V; A. Direct incorporation in §9702(c)(1)(B). Other banking definitions and supervisory regimes are not comprehensively analyzed. \nuscode.house.gov\n+1"],["R080-P1-S013 — Congress/OLRC, 15 U.S.C. §1681a, Definitions; rules of construction","https://uscode.house.gov/us/usc/119-134/t15/s1681a/","Complete narrow clauses (a)–(d), (f), (r)(5), (s), and (t) were read; relevant cross-reference/editorial material inspected. Reliance here is principally on (c), (s), and (t) and identification of the remaining incorporation boundaries.","V; A. The Act’s §2 incorporates specified FCRA terms. No complete FCRA classification, disclosure, correction, permissible-purpose, sharing, or enforcement analysis. Nested cross-references in the consumer-report definition remain held for actual legal classification. \nuscode.house.gov\n+1"],["R080-P1-S014 — Congress/OLRC, 12 U.S.C. §461, Reserve requirements","https://uscode.house.gov/us/usc/119-134/t12/s461/","Complete (b)(1)(C) transaction-account definition and (b)(1)(F) related anti-evasion determination authority, with subsection lead-in.","V; A. Only the definition needed for S013(t) and its narrow qualification are relied on. Reserve ratios, banking operations, and actual account classifications are excluded. \nuscode.house.gov"],["R080-P1-S015 — Federal Reserve Board/FTC, Effective Dates for the FACT Act, joint interim final rules","https://www.govinfo.gov/content/pkg/FR-2003-12-24/html/03-31359.htm","Header/DATES; complete material effective-date explanation, including enactment-anchored agency duties versus unspecified implementation authority; complete initial 16 CFR 602.1, with parallel 12 CFR text read for context. Printed 68 FR 74467–74469; HTML.","Published December 24, 2003; stated effective date December 31, 2003. Historical interim instrument, subsequently finalized in S016. A. Broader FCRA substantive rights and preemption are not decided here. \ngovinfo.gov\n+2"],["R080-P1-S016 — Federal Reserve Board/FTC, Effective Dates for the FACT Act, joint final rules","https://www.govinfo.gov/content/pkg/FR-2004-02-11/html/04-2913.htm\nhttps://www.govinfo.gov/link/fr/69/6526","HTML: header/DATES; §III explanation concerning enactment-anchored actions and §__.1(c)(1)(ii); complete FTC amendatory addition of §602.1(c)(2)–(3). PDF: selected corresponding text, printed 6526 / index 0, 6530 / index 4, 6531 / index 5.","Published February 11, 2004; rule effective March 12, 2004. Finalizes the interim approach and supplies additional schedules. A. PDF parsed text only; not every page or every FCRA issue analyzed. HTML and PDF are the same instrument. \ngovinfo.gov\n+3"],["R080-P1-S017 — FTC, Amendment of Rules Under the FACT Act","https://www.govinfo.gov/content/pkg/FR-2004-05-20/pdf/04-11329.pdf\nhttps://www.federalregister.gov/documents/2004/05/20/04-11329/amendment-of-rules-under-the-fact-act","DATES; relevant introductory explanation and complete §I discussion of Part 602; complete amendatory item 1 replacing Part 602. Official PDF: printed 29061 / index 0, 29062 / index 1, 29063 / index 2, selected text.","Published May 20, 2004; effective June 21, 2004. Technical title/description changes; preamble expressly disclaims alteration of the jointly adopted effective dates. A. GovInfo HTML endpoint failed; official PDF was readable. FederalRegister.gov XML is an explanatory rendition, not the official legal edition; PDF parsed, not visually inspected. \ngovinfo.gov\n+4"],["R080-P1-S018 — FTC/eCFR, 16 CFR Part 602, Fair and Accurate Credit Transactions Act of 2003","https://www.ecfr.gov/current/title-16/chapter-I/subchapter-F/part-602","Complete part authority and §602.1, including reserved (a)–(b), all of (c)(1)–(3), and source credit.","Displayed Title 16 current through October 23, 2026, last title amendment October 19, 2026. Those are compilation/title dates, not a new §602.1 effective date. A. eCFR describes itself as continuously updated, not an official legal edition; adoption text checked in S015–S017. \necfr.gov\n+1"],["R080-P1-S019 — Federal MyMoney.gov/FLEC program site, “About MyMoney.gov”","https://www.mymoney.gov/About-Us","Complete introductory institutional-description paragraphs under the page heading, before “Learn More” and “Our Members.”","A. Official generic program explanation; no displayed publication/edition date established for the selected paragraphs. It self-describes the site as a FLEC product and uses “financial capability.” No roster, composition estimate, linked program, actual material, meeting, or website-compliance audit was used as evidence of statutory compliance. \nMyMoney.gov"]]},{"headers":["Claim ID","Supported proposition","Conditions, limitations, and exact evidence"],"index":2,"links":[{"href":"https://www.govinfo.gov/content/pkg/PLAW-108publ159/html/PLAW-108publ159.htm?utm_source=chatgpt.com","text":"govinfo.gov\n+1"},{"href":"https://www.govinfo.gov/content/pkg/PLAW-108publ159/html/PLAW-108publ159.htm?utm_source=chatgpt.com","text":"govinfo.gov\n+2"},{"href":"https://uscode.house.gov/us/usc/119-134/t12/s1813/?utm_source=chatgpt.com","text":"uscode.house.gov"},{"href":"https://www.govinfo.gov/content/pkg/PLAW-111publ203/html/PLAW-111publ203.htm?utm_source=chatgpt.com","text":"govinfo.gov\n+2"},{"href":"https://www.govinfo.gov/content/pkg/PLAW-115publ174/html/PLAW-115publ174.htm?utm_source=chatgpt.com","text":"govinfo.gov"},{"href":"https://www.govinfo.gov/content/pkg/FR-2003-12-24/html/03-31359.htm?utm_source=chatgpt.com","text":"govinfo.gov\n+2"}],"row_links":[[],[],[],[{"href":"https://www.govinfo.gov/content/pkg/PLAW-108publ159/html/PLAW-108publ159.htm?utm_source=chatgpt.com","text":"govinfo.gov\n+1"}],[],[],[{"href":"https://www.govinfo.gov/content/pkg/PLAW-108publ159/html/PLAW-108publ159.htm?utm_source=chatgpt.com","text":"govinfo.gov\n+2"}],[{"href":"https://uscode.house.gov/us/usc/119-134/t12/s1813/?utm_source=chatgpt.com","text":"uscode.house.gov"}],[],[{"href":"https://www.govinfo.gov/content/pkg/PLAW-111publ203/html/PLAW-111publ203.htm?utm_source=chatgpt.com","text":"govinfo.gov\n+2"}],[],[{"href":"https://www.govinfo.gov/content/pkg/PLAW-115publ174/html/PLAW-115publ174.htm?utm_source=chatgpt.com","text":"govinfo.gov"}],[],[{"href":"https://www.govinfo.gov/content/pkg/FR-2003-12-24/html/03-31359.htm?utm_source=chatgpt.com","text":"govinfo.gov\n+2"}],[]],"rows":[["Claim ID","Supported proposition","Conditions, limitations, and exact evidence"],["R080-P1-C001","The selected interval contains substantive §§9701–9708 in Title 20, Chapter 77, with the titles shown in S001–S008.","All selected bodies were read. Their displayed compilation is through P.L. 119-134, October 20, 2026. No assertion that this interval exhausts Chapter 77. S001–S008, section headings and bodies."],["R080-P1-C002","Actual access occurred October 27, 2026 PDT; some original endpoints failed before readable official alternatives or ordinary section navigation succeeded.","Research observation, documented in the log. Access date, compilation cutoff, publication, amendment, and effectiveness are separate. No exhaustive post-cutoff enactment or judicial-history claim."],["R080-P1-C003","The original framework was enacted in Title V of P.L. 108-159; §511 gives the short title “Financial Literacy and Education Improvement Act.”","Complete §§511–519 and Act §§2–3 read. In Act §2, “Commission” means FTC except in Title V; Title V’s own Commission is FLEC. S009 §§2, 511–519; S001–S002. \ngovinfo.gov\n+1"],["R080-P1-C004","Section 9701 expressly defines “Chairperson” and “Commission” by reference to FLEC and its establishment under §9702.","These are institutional definitions. They do not define an individual’s literacy, competence, or financial need. S001 §9701(1)–(2)."],["R080-P1-C005","The selected enacted sections use financial literacy and education without supplying a psychometric, clinical, scoring, or incapacity definition. They do not define “financial capability” as an individual eligibility test.","Textual limit of §§9701–9708. This does not deny that other instruments use or define related terms. Appended executive-order terminology and the program page are not imported into §9701. No automatic higher-education definition from another chapter is assumed. S001–S008; S003(a)(3); S019."],["R080-P1-C006","Act §2(3) incorporates specified FCRA meanings, including “consumer”; current §1681a(c) defines consumer as an individual.","The incorporation also names consumer report, consumer reporting agency, creditor, federal banking agencies, and financial institution. This pass does not resolve the full nested FCRA classification or rights regime. S009 §2(3); S013 §1681a(c), (d), (f), (r)(5), (s), (t). \ngovinfo.gov\n+2"],["R080-P1-C007","The current federal-banking-agency definition directly incorporated by §9702(c)(1)(B) names the Comptroller of the Currency, Federal Reserve Board, and FDIC.","These are statutory offices/entities, not a verified roster of their current heads. S002(c)(1)(B); S012 §1813(z). \nuscode.house.gov"],["R080-P1-C008","The incorporated financial-institution definition includes the enumerated bank, savings-association, mutual-savings-bank, and credit-union categories, plus another person directly or indirectly holding a consumer’s transaction account.","Section 461(b)(1)(C) defines the account by permitted withdrawal/payment-transfer functions and includes the specified account categories. Section (F) separately authorizes anti-evasion determinations after the specified regulator consultation. No actual institution or account is classified. S013(t); S014(b)(1)(C), (F)."],["R080-P1-C009","The Bureau director’s Commission membership and vice-chair role were added by P.L. 111-203 §1013(d)(5)–(6).","Section 1018 makes that subtitle effective on enactment, July 21, 2010. The separate designated-transfer-date clause elsewhere in the Act is not substituted for §1018. S010 §§1013(d)(5)–(6), 1018; S002(c)(1)(C), (d). \ngovinfo.gov\n+2"],["R080-P1-C010","The deletion of the Office of Thrift Supervision director from §1813(z) was enacted by §363(1)(C), under the separate Title III commencement structure.","Section 351 uses the transfer date, except for §364(a)’s different repeal. Section 311 provides a one-year default, a qualified extension no later than eighteen months, required consultation and transmissions, and notice publication within 270 days. An actual designated date or historical implementation is not established here. S010 §§311, 351, 363(1)(C), 364(a); S012(z)."],["R080-P1-C011","The higher-education best-practices paragraph was added by P.L. 115-174 §603.","The complete amendment was read; enactment was May 24, 2018. Its own establishment deadline is tied to that date, and its ongoing maintenance and adoption-limit clauses must be retained. S011 §603; S003(a)(3). \ngovinfo.gov"],["R080-P1-C012","Original Act §3 directs joint final effective-date regulations, except where the Act or amendments specifically provide otherwise.","Final rules were required before the end of two months beginning with enactment; assigned effective dates were to be as early as possible with reasonable implementation time and no later than ten months after final-rule issuance. These are rulemaking instructions, not a uniform consumer deadline. S009 §3(1)–(2)."],["R080-P1-C013","The joint effective-date materials distinguish enactment-anchored agency-action duties from authority to begin implementation under otherwise undated provisions.","The preamble treats enactment-anchored agency duties as effective by their statutory predicate. Section 602.1(c)(1)(ii) uses December 31, 2003 only for the agency’s implementing authority. It does not make every substantive FACT Act provision uniformly effective that day. S015 relevant preamble and §602.1(c)(1)(ii); S016 §III; S018(c)(1)(ii). \ngovinfo.gov\n+2"],["R080-P1-C014","The final effective-date rule and later technical recodification have their own effective dates, distinct from the dates assigned to Act provisions.","S016: published February 11, 2004, effective March 12, 2004. S017: published May 20, 2004, effective June 21, 2004; relevant changes described as nonsubstantive. S018’s October 2026 currency labels do not create a new commencement date. S016 DATES; S017 DATES and §I; S018 header/source credit."]]},{"headers":["Claim ID","Supported proposition","Conditions, limitations, and exact evidence"],"index":3,"links":[{"href":"https://uscode.house.gov/us/usc/119-134/t20/s9702/?utm_source=chatgpt.com","text":"uscode.house.gov"},{"href":"https://uscode.house.gov/us/usc/119-134/t20/s9704/?utm_source=chatgpt.com","text":"uscode.house.gov"}],"row_links":[[],[],[{"href":"https://uscode.house.gov/us/usc/119-134/t20/s9702/?utm_source=chatgpt.com","text":"uscode.house.gov"}],[],[],[],[],[],[],[],[{"href":"https://uscode.house.gov/us/usc/119-134/t20/s9704/?utm_source=chatgpt.com","text":"uscode.house.gov"}],[],[],[],[],[],[],[]],"rows":[["Claim ID","Supported proposition","Conditions, limitations, and exact evidence"],["R080-P1-C015","FLEC is established to improve financial literacy and education of persons in the United States through a national strategy.","Other clauses respectively address all Americans, American consumers, students, and the general public. These audience descriptions are not individualized grant or service eligibility determinations. S002(a)–(b); S003(a)(1), (a)(3), (d), (f)(1)."],["R080-P1-C016","The mandatory membership list includes Treasury; heads of the incorporated federal banking agencies; NCUA; SEC; Education, Agriculture, Defense, HHS, HUD, Labor, and Veterans Affairs; FTC; GSA; SBA; Social Security Administration; CFTC; OPM; and the Bureau director.","This is the complete statutory office list in (c)(1)(A)–(C), not current incumbency, participation, or attendance. S002(c)(1)(A)–(C); C007. \nuscode.house.gov"],["R080-P1-C017","The President may appoint no more than five additional members from administrative heads of other federal entities.","Presidential discretion and a determination that the entities are engaged in a serious financial-literacy/education effort are express predicates. No actual appointments are established. S002(c)(1)(D)."],["R080-P1-C018","A member unable to attend a meeting may designate an alternate.","The alternate must exercise significant decisionmaking authority. This is not an unrestricted substitution by any employee. S002(c)(2)."],["R080-P1-C019","Treasury’s Secretary is Chairperson; the Bureau director is Vice Chairman.","Statutory office assignments only. No finding about present holders, vacancy rules, or an actual designation. S002(d); C009."],["R080-P1-C020","The Commission must hold, at the Chairperson’s call, at least one meeting every four months; the statute states that such meetings are public. Additional meetings may be called as the Chairperson sees fit.","The minimum interval is not converted to a quarterly calendar schedule, and actual compliance is not established. S002(e)."],["R080-P1-C021","A majority of Commission members constitutes a quorum, but fewer may hold hearings.","The selected text does not supply a separate general voting formula or prove an actual quorum. Membership denominator and attendance remain absent. S002(f)."],["R080-P1-C022","The initial meeting was required no later than sixty days after December 4, 2003.","A statutory deadline is not evidence of when the first meeting occurred; that distinction matters for §9703(h)(1). S002(g); S003(h)(1)."],["R080-P1-C023","The Commission must act through its members’ authority to streamline, improve, or augment federal financial-education programs, grants, materials, and curricula as it deems necessary.","“Shall” and the judgment qualification both matter. This clause does not itself establish an unrestricted new regulatory jurisdiction or a complete recipient-level grant program. S003(a)(1)."],["R080-P1-C050","The Commission is to hold hearings, take testimony, and receive evidence as it deems appropriate; it must consider inviting the listed categories.","Categories include federal officials, State/local officials, consumer/community groups, nonprofit financial-education groups, and financial-services industry representatives. “Consider inviting” does not mean each category must testify. S004(a)(1)–(2). \nuscode.house.gov"],["R080-P1-C051","The Commission may obtain necessary information directly from federal departments or agencies; upon the Chairperson’s request, the agency head must furnish it.","The express provision concerns federal-agency information. It does not supply a general private-party subpoena or personal-record collection authority in this pass. S004(b)."],["R080-P1-C052","Periodic studies on the state of financial literacy and education are permitted as the Commission determines appropriate.","No fixed study interval or actual completed study follows from this permission. S004(c)."],["R080-P1-C053","Non-English materials and campaign versions are expressly permitted under qualified discretion.","Commission action under §9704(d) may include website, hotline, and disseminated materials; Treasury campaign action under §9707(c) is as the Secretary deems appropriate. These clauses do not themselves specify universal translation into every language. S004(d); S007(c)."],["R080-P1-C054","Members receive no additional compensation for Commission service beyond compensation for their federal office or employment.","This is not a statement that their underlying federal service is unpaid or that travel reimbursement is prohibited. S005(a)."],["R080-P1-C055","Members are allowed travel expenses, including per diem in lieu of subsistence, at the incorporated Title 5 rates while away from home or regular business place performing Commission services.","Exact rates and the full Title 5 conditions are unexamined. S005(b), incorporating 5 U.S.C. ch.57, subch.I."],["R080-P1-C056","The Treasury Office of Financial Education director must assist the Commission on its request, without reimbursement.","This reports the statutory office wording, not a verified contemporary organization chart or a transfer to a differently named office. S005(c)(1)."],["R080-P1-C057","A federal employee may be detailed without reimbursement and without interruption or loss of civil-service status or privilege.","Permission does not establish any actual detail, staffing level, expenditure, or personnel decision. S005(c)(2)."]]},{"headers":["Claim ID","Supported proposition","Conditions, limitations, and exact evidence"],"index":4,"links":[{"href":"https://uscode.house.gov/us/usc/119-134/t20/s9703/?utm_source=chatgpt.com","text":"uscode.house.gov"}],"row_links":[[],[],[],[],[],[],[],[],[{"href":"https://uscode.house.gov/us/usc/119-134/t20/s9703/?utm_source=chatgpt.com","text":"uscode.house.gov"}],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Claim ID","Supported proposition","Conditions, limitations, and exact evidence"],["R080-P1-C024","Required areas of emphasis include household budgeting, saving, and strategic investment decisions for education, retirement, homeownership, wealth building, and other savings goals.","These are educational subjects, not prescribed allocations or findings that a particular investment is suitable. S003(a)(2), (A)."],["R080-P1-C025","Spending, credit, and debt management—including credit-card debt—are express educational subjects.","The duty belongs to the Commission’s education framework; it does not validate a debt or prescribe repayment, settlement, or nonpayment. S003(a)(2)(B)."],["R080-P1-C026","Credit reports, credit scores, accuracy and correction awareness, effects on credit terms, financial decisions’ effects on scores, and fair/favorable credit terms are included.","This subject list does not replace the separate legal predicates for disclosure, disputes, correction, underwriting, or remedies. S003(a)(2)(C)–(D); C006."],["R080-P1-C027","Education is to address avoiding abusive, predatory, or deceptive credit offers/products and understanding, evaluating, and comparing financial offerings.","No actual offer is classified, and no private product or provider is endorsed. S003(a)(2)(E)–(F)."],["R080-P1-C028","The investor-resource subject concerns resources that ought to be accessible and affordable and explain rights and recourse concerning unprofessional intermediary conduct.","The clause’s “ought” language and educational role are preserved. It does not establish free representation, an actual violation, or a successful remedy. S003(a)(2)(G)."],["R080-P1-C029","The subject list includes particular needs and transactions of consumers targeted by multilingual education, with remittances as an example, and improved multilingual materials.","An illustrative transaction does not establish a real transaction, targeted population, or universal language-access entitlement. S003(a)(2)(H); C053."],["R080-P1-C030","Bringing individuals lacking basic banking services into mainstream financial services through opening and maintaining an account is an educational/promotion subject.","It is not an account recommendation, approval, eligibility finding, or finding that a specific institution is appropriate. S003(a)(2)(I); C008."],["R080-P1-C031","The statute describes improved financial choices and outcomes as the primary program goal, beyond knowledge alone.","A legislated goal is not measured proof of causal effectiveness, adherence, debt reduction, or psychological improvement. S003(a)(2)(J). \nuscode.house.gov"],["R080-P1-C032","The Commission must establish higher-education best practices after public comments and consultation/input from relevant parties, including diverse higher-education institutions.","Deadline: no later than one year after May 24, 2018. Subject: literacy teaching and useful/necessary information for student-borrowing decisions. No actual consultation or completion established. S003(a)(3)(A); S011 §603."],["R080-P1-C033","Those best practices must address clear understanding of total borrowing, monthly payments and repayment options; engagement including communication frequency/timing; different student populations; and communicating graduation’s importance for repayment.","Part-time, first-time, and other nontraditional students are expressly included. No payment amount, communication schedule, graduation effect size, or individual repayment forecast is specified. S003(a)(3)(B)(i)–(iv)."],["R080-P1-C034","The Commission must maintain, periodically update, and make the best-practices information public.","“Periodically” supplies no numerical update interval. Actual maintenance/publication is not audited. S003(a)(3)(C)."],["R080-P1-C035","The paragraph does not require a higher-education institution to adopt the best practices.","This express construction rule limits what can be inferred from the Commission’s mandatory development duties; it does not resolve other institutions’ duties under other law. S003(a)(3)(D); S011 §603."],["R080-P1-C036","The Commission must establish and maintain a website serving as a federal clearinghouse and coordinated entry point, including information about federal education grants and how to seek an appropriate grant.","The suggested domain is illustrative, followed by “or a similar domain name.” The grant-information function is not itself an award, application approval, or comprehensive grant-eligibility rule. Other public information may be included as appropriate to the purpose. S003(b)(1), (b)(2)(A)–(C), (E)."],["R080-P1-C037","Links under §9703(b)(2)(D) concern efforts with no commercial content and information about financial-literacy/education programs, materials, or campaigns, as the Commission considers appropriate.","Both content conditions and discretion matter. This is not a blanket finding about every site link, all federal information, or product endorsement. S003(b)(2)(D)."],["R080-P1-C038","A toll-free telephone number must be established and made available to the public for financial-literacy/education information.","No actual number, service availability, caller eligibility, individualized counseling, or successful response is established. S003(c)."],["R080-P1-C039","The Commission must develop financial-literacy/education materials and disseminate them to the general public.","A duty to create/disseminate is distinct from the existence, quality, accessibility, or effects of particular materials. S003(d)(1)–(2)."],["R080-P1-C040","The Commission must take necessary steps to coordinate and promote State/local efforts, including partnerships across governmental, nonprofit, and private sectors.","Coordination is the express function. No State/local program, private relationship, regulatory preemption, or actual partnership is established. S003(e)."],["R080-P1-C041","The Commission must develop a national strategy no later than eighteen months after December 4, 2003, and coordinate federal implementation efforts.","The statute supplies the duty and historical anchor, not evidence of performance. S003(f)(1)(A)–(B)."],["R080-P1-C042","The strategy must provide for participation, educational methods, review/coordination of federal activities, and identification of overlap/duplication with proposed means of elimination.","The participants include State/local governments and private, nonprofit, and public institutions. This does not prove that duplication was eliminated or educational levels increased. S003(f)(2)(A)–(D)."],["R080-P1-C043","The strategy must be reviewed at least annually, with changes and recommendations as the Commission deems necessary.","Review is mandatory at the specified minimum frequency; a particular change or recommendation is not automatically required. S003(f)(3)."],["R080-P1-C044","The Commission must actively consult varied private, nonprofit, and State/local representatives as it determines appropriate.","No particular representative, consultation, appointment, or endorsement is established. S003(g)."],["R080-P1-C045","A SAFE Strategy progress report is required no later than eighteen months after the Commission’s first meeting, and annually thereafter, to the specified Senate and House committees.","The recipients are Senate Banking, Housing, and Urban Affairs and House Financial Services. The first-meeting trigger differs from the enactment trigger in C041. S003(h)(1)."],["R080-P1-C046","Required report content includes the strategy, implementation of (a)–(g), success assessment, material availability/utilization/impact, and website/hotline content and use.","Required assessment subjects are not assessment findings. S003(h)(2)(A)–(E)."],["R080-P1-C047","Further report content includes materials/dissemination/impact data measured through decisionmaking, hearing summaries and witness lists, next-fiscal-year plans, underserved-community activities, and appropriate additional material.","No witness list, individual, actual metric, or program result was inspected. S003(h)(2)(F)–(J)."],["R080-P1-C048","The initial report must cover all federal programs, materials, and grants seeking to improve literacy and assess their effectiveness.","This does not establish that a complete inventory or valid causal evaluation was actually produced. S003(h)(3)."],["R080-P1-C049","The Commission must annually provide Chairperson testimony to the specified Senate and House committees.","No hearing record, appearance, or compliance history was examined. S003(i)."]]},{"headers":["Claim ID","Supported proposition","Conditions, limitations, and exact evidence"],"index":5,"links":[{"href":"https://uscode.house.gov/us/usc/119-134/t20/s9706/?utm_source=chatgpt.com","text":"uscode.house.gov"}],"row_links":[[],[],[{"href":"https://uscode.house.gov/us/usc/119-134/t20/s9706/?utm_source=chatgpt.com","text":"uscode.house.gov"}],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Claim ID","Supported proposition","Conditions, limitations, and exact evidence"],["R080-P1-C058","The Comptroller General was required to report to Congress on Commission effectiveness no later than three years after December 4, 2003.","Historical report duty; no actual report or findings adopted. S006(a)."],["R080-P1-C059","The required consumer-knowledge study covers reports, scores, dispute resolution, improvement methods, viewing counts, purposes for obtaining reports, data collection, obtaining reports, and positive/negative score factors.","For purpose percentages, the denominator is consumers obtaining a report, and the numerator concerns each primary purpose. Completeness/accuracy, fraud protection, adverse action, and suspected identity theft are illustrative purposes. No measured values supplied. S006(b)(1)–(2)(A)–(E). \nuscode.house.gov"],["R080-P1-C060","The consumer-knowledge study report was due before the end of the twelve-month period beginning December 4, 2003.","Findings/conclusions must be reported, with legislative or administrative recommendations the Comptroller General considers appropriate, including improvement methods. No actual deadline calculation or compliance finding. S006(b)(3)."],["R080-P1-C061","Treasury’s Secretary must develop, implement, and conduct a pilot national public-service multimedia campaign after reviewing Commission recommendations and as part of the national strategy.","The predicates and pilot character are retained. No completed campaign or actual recommendation is established. S007(a)."],["R080-P1-C062","After reviewing recommendations, Treasury must select and work with nonprofit organization(s) especially qualified to distribute public-service campaigns and having secured private-sector production funds.","Both qualifications are cumulative. This is an authorized institutional relationship, not evidence of an award, contract, funding recipient, or general grant eligibility. S007(b)(1)."],["R080-P1-C063","Campaign development includes the specified consultation, and the campaign must be consistent with the national strategy and promote the hotline and website.","The consulted categories are nonprofit, public, or private organizations, especially those qualified by financial-education experience. No actual organization is identified or evaluated. S007(b)(2)–(3)."],["R080-P1-C064","Treasury must develop measures evaluating campaign effectiveness by improved individual financial decisionmaking.","The measure-development duty supplies neither data nor a validated effect estimate. S007(d)."],["R080-P1-C065","The campaign-report clause is conditioned on fiscal years with appropriations pursuant to the authorization referred to in the text; it contains an original self-reference to subsection (e).","Original §518(e) and current §9707(e) agree. The Code editorial footnote suggests (f), but is not an enacted correction. Reports go to the Senate Banking and Appropriations committees and House Financial Services and Appropriations committees. Precise legal resolution of the defective reference remains open. S007(e), footnote; S009 §518(e)."],["R080-P1-C066","Section 9707(f) authorizes appropriation to Treasury “not to exceed $3,000,000 for fiscal years 2004, 2005, and 2006” for campaign development, production, and distribution.","The exact year/ceiling wording is preserved. The text is not rewritten as a recurring present appropriation or as a separate amount “for each” year; no multiplied total or actual spending is supplied. S007(f); S009 §518(f)."],["R080-P1-C067","Section 9708 authorizes such sums as necessary for Commission functions, including administration.","Authorization is not evidence that an appropriation was enacted or money was available, obligated, spent, or paid to anyone. S008; S009 §519."],["R080-P1-C068","The selected sections discuss federal programs/grants, public grant information, campaign relationships, personnel support, and appropriation authorizations, but do not supply a complete independent grant-award, procurement, conflict-of-interest, liability, or private-enforcement code.","Textual limit. Existing powers of member agencies and applicable external law are not erased. No general immunity, exemption, private cause of action, or unrestricted rulemaking power is inferred. S003(a)(1), (b); S004; S005; S007–S008."],["R080-P1-C069","The selected law contains particular clarity, access, noncommercial-content, targeting, and duplication provisions, but no universal reading-grade score or blanket material-quality certification.","Relevant standards are clause-specific: useful/necessary student information and clarity in (a)(3); investor-resource wording in (a)(2)(G); noncommercial links in (b)(2)(D); duplication in (f)(2)(D). Broader accessibility/language law remains separate. S003."],["R080-P1-C070","The selected MyMoney.gov introduction is an official program explanation, not an amendment or evidence that all statutory duties were performed.","It describes the site as a Commission product and uses financial-capability language. Publication date is not established. Its composition estimate and member links were not used to verify a roster or calculate a quorum. S019, introductory paragraphs."],["R080-P1-C071","Education, information dissemination, and interagency coordination in these sections do not themselves establish a professional-advice or counseling licensing regime.","Textual limit. No conclusion is made about whether separate law authorizes, regulates, or restricts particular counseling or advice. S003–S004; S007."],["R080-P1-C072","These institutional duties do not, by themselves, establish an individual’s debt relief, financial assistance, grant award, account access, correction remedy, or favorable financial outcome.","No express individual debt-release mechanism appears in the selected bodies. Broader enforceability and rights under other laws are not decided. S001–S008, especially S003(a), (b), S007–S008."],["R080-P1-C073","Statutory goals, mandated assessments, and performance-measure requirements do not supply causal behavioral, clinical, psychometric, or educational-efficacy findings.","Missing empirical evidence must remain missing. No inference about shame, avoidance, fatigue, optimism, anchoring, conflict, motivation, completion, capacity, or suitability follows. S003(a)(2)(J), (h); S006; S007(d)."],["R080-P1-C074","External incorporations and institutional wording remain bounded where their full downstream regimes or later histories were not examined.","Specifically: broader FCRA classifications/rights; actual travel rates; later Treasury-office organization; actual Title III transfer-date designation; post-compilation law; separate executive-council histories. The exact next inquiries are listed below; no missing authority is filled by a generic label. S005(b)–(c); S009 §2; S010; S012–S014; source limits."]]},{"headers":["Comparison","Verified statutory distinction","Consequence that remains unestablished","Claim/source links"],"index":6,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Comparison","Verified statutory distinction","Consequence that remains unestablished","Claim/source links"],["Institutional responsibility / individual entitlement","The Commission, Treasury Secretary, and Comptroller General receive duties and powers; public audiences are identified.","No individual award, debt release, eligibility, or successful claim follows from the institutional mandate.","C015, C023, C058–C072; S002–S008."],["Defined term / personal trait","Chairperson, Commission, and incorporated consumer/institution categories have legal definitions. Literacy and education are statutory subjects without a personal scoring test in these sections.","No individual literacy deficit, incapacity, vulnerability, or psychological condition.","C004–C008; S001, S009, S012–S014."],["Subject matter / demonstrated effect","Budgeting, debt, credit, saving, borrowing, and improved choices are required subjects/goals.","No measured improvement, causal mechanism, completion rate, or outcome guarantee.","C024–C033, C059, C064, C073; S003, S006–S007."],["Duty / completed implementation","Strategy development, review, website/hotline establishment, materials, reports, and testimony are prescribed.","No finding that a particular deliverable exists, is complete, is current, or meets every requirement.","C034, C036–C049; S003."],["Education / advice or counseling","The selected framework creates educational and informational functions.","No professional relationship, license, fiduciary duty, privilege, individualized recommendation, or counseling entitlement.","C071–C072; S003–S004, S007."],["Coordination / regulation or enforcement","Actions occur through members’ authority; federal/State/local/private coordination and federal information requests are stated.","No new general private-sector enforcement jurisdiction, subpoena power, or preemption conclusion is established here.","C023, C040, C044, C050–C051, C068; S003–S004."],["Authorized resources / appropriation or spending","Campaign and Commission authorizations differ; assistance/details may be without reimbursement.","No actual appropriation, obligation, expenditure, grant, contract, or payment.","C056–C057, C062, C065–C068; S005, S007–S008."],["Historical office wording / current statutory wording","Current §9702 includes the 2010 Bureau seat/vice-chair amendment; current incorporated §1813(z) omits the former thrift-supervision office.","No current officeholder roster, Treasury-office reorganization, or actual transfer-date implementation is established.","C007, C009–C010, C016–C019, C056, C074; S002, S005, S010, S012."],["Official explanation / operative law","The MyMoney.gov introduction describes the institution and site; statutes impose the duties.","The explanation does not amend definitions, prove compliance, or establish the actual membership denominator.","C001–C005, C070; S001–S003, S019."],["Public information / endorsement","A clearinghouse and grant-information entry point are required; the specified link provision has noncommercial-content and educational-information predicates.","No recommendation, certification, approval, or endorsement of a private product or provider.","C027, C030, C036–C037, C069; S003(a)(2), (b)."],["Mandatory development / voluntary institutional adoption","The Commission’s higher-education development, maintenance, and publication duties are mandatory; adoption is not required by that paragraph.","No actual institution’s adoption, compliance, exemption under another law, or student result.","C032–C035; S003(a)(3), S011 §603."],["Historical deadline / continuing duty","Some creation/report duties have enactment or first-meeting anchors; review, maintenance, testimony, and certain reports recur.","No renewed historical deadline merely because the Code is accessed now; no actual noncompliance finding.","C020–C022, C034, C041–C049, C058–C060; S002–S003, S006."]]},{"headers":["Measurement ID","Exact authority and quantity","Actor/object, unit/base, trigger, and boundary","Qualifications, counting limits, and absent facts"],"index":7,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Measurement ID","Exact authority and quantity","Actor/object, unit/base, trigger, and boundary","Qualifications, counting limits, and absent facts"],["M001","§9702(c)(1)(D): not more than 5 additional members","Presidential appointments; maximum count is inclusive.","Administrative heads of other federal entities; Presidential serious-effort determination required. No appointments or total roster known. C017; S002."],["M002","§9702(e): at least 1 meeting every 4 months","Commission; minimum meeting count per stated month interval; Chairperson’s call.","Public-meeting language applies; additional meetings permitted. No conversion to quarters, fixed dates, or actual meeting history. C020; S002."],["M003","§9702(f): majority; fewer may hold hearings","Quorum denominator: Commission members. Majority is more than half; no integer quorum computed.","Hearing exception retained. Actual membership, vacancies, attendance, and broader procedural rules absent. C021; S002."],["M004","§9702(g): not later than 60 days after December 4, 2003","Commission’s first meeting; inclusive outer deadline relative to the stated enactment date.","No day-counting adjustment or actual first-meeting date established. C022; S002."],["M005","§9703(a)(3)(A): not later than 1 year after May 24, 2018","Commission establishment of higher-education best practices.","Public comments and specified consultation/input precede establishment. No actual completion date or calendar calculation. C032; S003, S011."],["M006","§9703(a)(3)(B)(i): monthly payments","A required subject in describing total student-borrowing obligations. Unit is monthly payment information.","No payment amount, formula, term, affordability conclusion, or actual obligation supplied. C033; S003."],["M007","§9703(a)(3)(B)(ii): communication frequency and timing","Subject for best-practices development.","The statute does not assign a numerical communication frequency or actual schedule. C033; S003."],["M008","§9703(a)(3)(C): periodically update","Commission best-practices information; recurring but unquantified.","No fixed interval, publication date, or completed update established. C034; S003."],["M009","§9703(f)(1)(A): not later than 18 months after December 4, 2003","National-strategy development; inclusive outer deadline.","Distinct from the first-meeting-based report deadline. No calendar calculation or completion finding. C041; S003."],["M010","§9703(f)(3): not less than annually","National-strategy review; minimum review frequency.","Changes/recommendations are those deemed necessary; review does not require a particular annual substantive change. C043; S003."],["M011","§9703(h)(1): not later than 18 months after the first meeting; annually thereafter","SAFE Strategy report; initial trigger is the actual first meeting.","That event is absent. The recurring wording is preserved without inventing a day-of-year or delivery convention. C045; S003."],["M012","§9703(h)(2)(H): next fiscal year","Report content concerning planned Commission activities.","A planning horizon, not an appropriation or spending finding. No fiscal-year conversion or actual plan supplied. C047; S003."],["M013","§9703(i): annually","Chairperson testimony to the named committees.","No date within the year specified; no testimony record examined. C049; S003."],["M014","§9704(c): periodic studies","Commission studies, as appropriate.","Permission; no numerical interval or required sample size. C052; S004."],["M015","§9705(a): no additional compensation","Compensation attributable to Commission service beyond federal office/employment compensation.","No salary amount is supplied; this does not negate travel-expense treatment. C054; S005."],["M016","§9705(b): travel/per-diem rates authorized under Title 5","Travel while away from home/regular business place for Commission service.","No rate, reimbursable amount, or current travel-rule calculation; incorporated rate regime remains held. C055; S005."],["M017","§9705(c)(1)–(2): without reimbursement","Treasury assistance and authorized federal employee details.","No actual resource amount, detail, or interagency transaction. C056–C057; S005."],["M018","§9706(a): not later than 3 years after December 4, 2003","Comptroller General effectiveness report to Congress.","Inclusive outer deadline; no actual due-date calculation or completion finding. C058; S006."],["M019","§9706(b)(2)(A): number of consumers viewing reports","Study count; object is consumers viewing their reports.","No count, sampling frame, survey method, or data supplied. C059; S006."],["M020","§9706(b)(2)(B): approximate percentage for each primary purpose","Numerator: report-obtaining consumers associated with the specified primary purpose. Denominator: total consumers obtaining a copy.","No percentage value, mutually exclusive coding convention, population estimate, or causal interpretation. C059; S006."],["M021","§9706(b)(3): before the end of the 12-month period beginning December 4, 2003","Comptroller General consumer-knowledge report.","“Before the end” retained; no substitution of business days or arithmetic endpoint. C060; S006."],["M022","§9707(e): each fiscal year with the stated appropriations predicate","Treasury campaign report to the named committees.","Original self-reference defect remains; appropriation predicate and actual report years absent. C065; S007, S009."],["M023","§9707(f): not to exceed $3,000,000 for fiscal years 2004, 2005, and 2006","Dollars authorized for campaign development, production, distribution; inclusive stated ceiling.","Exact wording retained. No “for each year” insertion, multiplied amount, present recurring funding, or actual appropriation. C066; S007, S009."],["M024","§9708: such sums as may be necessary","Commission functions, including administration; no fixed dollar figure.","Authorization only. Necessity, appropriations, availability, obligations, and expenditures unexamined. C067; S008."]]},{"headers":["Measurement ID","Authority/date or period","Trigger and precise function","Qualifications and limits"],"index":8,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Measurement ID","Authority/date or period","Trigger and precise function","Qualifications and limits"],["M025","P.L. 108-159: December 4, 2003","Enactment date used by the original statutory deadlines.","Not silently equated with every effective date. C003, C012–C013; S009."],["M026","P.L. 108-159 §3(1): before the end of 2 months beginning with enactment","Board/FTC issuance of joint final effective-date regulations.","Exception for provisions otherwise specifically addressed by the Act/amendments. No arithmetic performed. C012; S009."],["M027","§3(2): no later than 10 months after final-rule issuance","Outer limit for dates assigned under the joint rulemaking instruction.","Must also be as early as possible while allowing reasonable implementation time. Not a universal substantive deadline. C012; S009."],["M028","December 24, 2003 / December 31, 2003","Interim-rule publication / stated rule effectiveness and specified implementation-authority date.","The authority-only limitation in §602.1(c)(1)(ii) is essential. C013; S015."],["M029","February 11, 2004 / March 12, 2004","Final-rule publication / effective date.","Different from the dates assigned to Act provisions. C014; S016."],["M030","§602.1(c)(2)–(3): March 31, 2004 / December 1, 2004","Scheduled dates for the enumerated other FACT Act provisions.","Read as context; not imported as blanket Title V dates or full FCRA merits. C013–C014; S016–S018."],["M031","May 20, 2004 / June 21, 2004","Technical-amendment publication / effectiveness.","Relevant revisions expressly did not alter jointly adopted effective dates. C014; S017."],["M032","P.L. 111-203 §1018: July 21, 2010","Date of enactment; commencement of the subtitle containing the membership amendments.","Not the separate Title III transfer-date rule. C009; S010."],["M033","P.L. 111-203 §311(a): 1 year after enactment, subject to (b)","Default Title III transfer-date definition.","Qualified extension possible; no actual transfer calendar date certified. C010; S010."],["M034","§311(b)(1): not later than 18 months after enactment","Maximum permitted extension, following specified consultation and congressional transmission.","Transmission must include infeasibility determination, necessity explanation, designated date, and implementation steps. No actual determination or transmission inspected. C010; S010."],["M035","§311(b)(2): not later than 270 days after enactment","Federal Register publication of any transfer date designated under (b)(1).","Conditional on such a designation. No notice or date calculation supplied. C010; S010."],["M036","P.L. 115-174: May 24, 2018","Enactment and express anchor for the new best-practices deadline.","No current adoption or institutional-compliance finding. C011, C032; S011."],["M037","Code cutoff: October 20, 2026, P.L. 119-134","Displayed compilation scope for the OLRC bodies.","Not this research’s access date and not certification of later law. C001–C002; S001–S014 as applicable."],["M038","eCFR: October 23, 2026 current-through; October 19, 2026 last Title 16 amendment","Compilation/title metadata.","Not evidence that §602.1 changed on October 19. C014; S018."],["M039","Research access: October 27, 2026 PDT","Actual source checks in America/Los_Angeles.","No publication, enactment, effectiveness, or substantive deadline is inferred from access. C002; read log."]]},{"headers":["Branch/status","Supported conditional rule and exact links","Missing evidence or authority","Adverse inference to avoid","Next permissible generic public-law inquiry"],"index":9,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Branch/status","Supported conditional rule and exact links","Missing evidence or authority","Adverse inference to avoid","Next permissible generic public-law inquiry"],["B01 — Provision/version unknown. Partial.","If reliance is on this framework, use the present individual-section text and authenticated amendments; all selected bodies were readable within the displayed cutoff. C001–C003; S001–S011.","Post-cutoff legislation and exhaustive later history.","An old copy or failed index proves current absence or repeal.","Check public enacted amendments affecting §§9701–9708 after the displayed cutoff, without querying implementation records."],["B02 — Definition versus trait. Answered boundary.","If “literacy” is used as a personal classification, these selected sections do not provide a scoring or clinical test. C004–C005, C073; S001–S008.","A valid measurement framework and relevant empirical evidence; no personal facts.","A statutory education goal establishes incapacity, vulnerability, or a deficit.","Examine only a separately authorized public definition instrument if a legal definition becomes necessary; empirical assessment remains a separate component."],["B03 — Incorporated consumer/institution category. Partial.","“Consumer” is an individual under the incorporated definition; financial institution has enumerated and transaction-account predicates. C006–C008; S009 §2(3), S013(c), (t), S014(b)(1)(C), (F).","Actual category facts and any indispensable downstream classification authority.","Every financial business is included, or every transaction is a consumer report.","Read the particular remaining generic definitional cross-reference before making a category conclusion; do not inspect an institution or account."],["B04 — Institutional role unknown. Answered boundary.","Duties attach to the Commission, Treasury Secretary, Comptroller General, or other named office as the particular clause states. C015–C019, C056, C058, C061; S002, S005–S007.","Actual authorized actor or implementation.","All federal financial-education functions belong to one interchangeable office.","Compare the precise duty clause with any necessary current public delegation/organizational authority; actual assignments remain held."],["B05 — Current roster not examined. Answered boundary.","Statutory seats and discretionary additional appointments are different; additional appointments have a ceiling and serious-effort predicate. C016–C017; S002(c)(1).","Actual appointments, incumbency, vacancies.","The statutory list or program-page estimate proves a current roster.","Check only public amendments to the composition rule if needed; do not query member lists or officeholders."],["B06 — Alternate unknown. Answered boundary.","An alternate may be designated when the member cannot attend and must exercise significant decisionmaking authority. C018; S002(c)(2).","Designation, inability to attend, and authority facts.","Any representative may automatically substitute.","Read any necessary generic public designation authority; no actual meeting or personnel record inquiry."],["B07 — Meeting/quorum facts absent. Answered boundary.","Minimum meeting frequency, public-meeting language, majority quorum, and the lesser-number hearing exception coexist. C020–C022; S002(e)–(g).","Actual membership, attendance, timing, and proceedings.","A hearing’s permitted smaller attendance proves a quorum for other action.","Read only applicable generic procedural law if a different decision rule becomes material."],["B08 — Required versus permissive function. Answered.","“Shall,” “may,” and “as deemed necessary/appropriate” must be retained provision by provision. C023, C034, C043, C050–C053; S003–S004.","Actual exercise of judgment or compliance.","All functions are optional, or every possible activity is compulsory.","Reopen the exact subsection governing the proposed institutional function; no program evaluation is needed to identify its wording."],["B09 — Coordination versus enforcement. Answered boundary.","Actions through member authority and coordination do not supply an unrestricted independent enforcement code. C023, C040, C051, C068; S003(a)(1), (e), S004(b).","Separate agency authority and any relevant external enforcement law.","FLEC can compel any private party or determine a private debt dispute merely because it coordinates education.","Identify and read the specific public enabling statute for the separate power, if later authorized."],["B10 — Strategy duty and review. Answered rule; implementation unresolved.","Strategy development, federal implementation coordination, required contents, and at-least-annual review are distinct duties. C041–C043; S003(f).","Actual strategy, reviews, and compliance evidence—held.","A national strategy’s existence proves it was fully implemented or effective.","Read any later enacted modification of §9703(f); actual strategy audits remain outside this pass."],["B11 — Material/topic coverage. Answered.","The required emphasis includes budgeting, saving, debt/credit, report awareness, product comparison, investor resources, multilingual needs, and banking access. C024–C031; S003(a)(2)(A)–(J).","Actual material coverage and quality.","An education topic creates a new creditor duty or supplies individualized advice.","Identify the separate public law governing any claimed credit/dispute right; do not treat the subject list as that law."],["B12 — Public dissemination. Answered rule; implementation unresolved.","Website, hotline, and material-development/dissemination duties are express; website grant information is informational. C036, C038–C039; S003(b)–(d).","Actual availability, delivery, completeness, and grant authority.","Access to information is grant approval, counseling entitlement, or proof of a compliant website.","Read a precise generic grant enabling provision only if grant authority becomes the next component; no application or website audit."],["B13 — Link neutrality/endorsement. Answered boundary.","Under the specified link clause, discretion and both noncommercial-content and education-information conditions apply. C037, C069; S003(b)(2)(D).","Actual link content and any separate endorsement rules.","Every linked private offering is government approved, or every aspect of the site has been certified noncommercial.","Read any indispensable generic endorsement authority in a separately scoped pass; no product/provider comparison."],["B14 — Readability, language, and access. Partial.","The law has particular clarity/access language and multilingual discretion, not a numerical reading-level standard. C028–C029, C033, C053, C069; S003(a)(2)(G)–(H), (a)(3), S004(d), S007(c).","Separate accessibility/language law, actual materials, comprehension evidence.","“Clear” proves comprehension; multilingual permission resolves all language-access duties.","Identify the exact separate public accessibility or language-access provision before asserting an additional duty."],["B15 — Best-practices establishment predicates. Answered rule.","Public comments plus consultation/input—including diverse higher-education institutions—precede the establishment duty and its enactment-anchored deadline. C032–C033; S003(a)(3)(A)–(B), S011.","Actual process/completion and any necessary institution-category authority.","The label “best practices” establishes that every method was validated.","Read the exact public definition applicable to a disputed institutional category only if necessary; do not assume another chapter’s definition."],["B16 — Adoption by an institution. Answered boundary.","Commission development/publication is mandatory, but adoption is not required by this paragraph. C034–C035; S003(a)(3)(C)–(D).","Separate legal duties and actual adoption.","Every institution must adopt these practices, or no other law can impose a related duty.","Examine a separately identified public mandate only if its applicability becomes necessary."],["B17 — Report/update/evaluation duty. Answered rule; performance unresolved.","SAFE reporting has a first-meeting trigger, recurring language, specified contents, and an initial-report requirement; testimony has a separate annual duty. C045–C049; S003(h)–(i).","First-meeting event, actual reports/testimony, methods and data.","A required assessment is a favorable assessment or a completed report.","Read any public amendment to the reporting provisions; actual report-compliance evaluation remains held."],["B18 — GAO study versus result. Answered boundary.","The required studies specify questions, counts, percentages, reports, and timing. C058–C060; S006(a)–(b).","Actual study methods, population, results, and validity.","A statutory study instruction proves knowledge levels or causal effects.","If separately authorized, investigate appropriate public empirical evidence; no study findings are invented or imported here."],["B19 — Authorization versus funding. Partial.","Historical campaign authorization and general Commission authorization are distinct; neither proves actual appropriation. C066–C068; S007(f), S008.","Relevant appropriation law, availability restrictions, and spending facts—unexamined.","A present Code entry proves current money, a grant, or a repeated annual amount.","Read the relevant public appropriation enactment if funding authority becomes a separate authorized question; no award or payment record inquiry."],["B20 — Contractor/grant premise. Adapted.","The actual text specifies a nonprofit campaign relationship with distribution qualifications and secured private production funds. C062–C063; S007(b).","Separate procurement/grant authority and actual predicates.","The statute identifies a contractor, grants entitlement, or proves selection/funding.","Read the generic legal vehicle authorizing the proposed relationship only if necessary; no recipient/provider lookup."],["B21 — Campaign-report cross-reference. Unresolved in part.","Reporting is linked to an appropriations predicate, but the enacted subsection reference is self-referential; the Code’s suggested correction is editorial. C065; S007(e), S009 §518(e).","An enacted correction or authoritative generic interpretation of the defect.","Silently replace (e) with (f), or declare the entire duty void.","Search only subsequent public amendatory text or official generic interpretation addressing §518(e)/§9707(e); no cases or party records."],["B22 — Timing/transition. Partial.","Enactment anchors, authority-only commencement, 2010 membership commencement, and the separate banking transfer-date framework must be distinguished. C009–C014; S009–S010, S015–S018.","Actual Title III designation history and later-law completeness.","One date governs every duty or every Dodd-Frank amendment.","Read only a necessary public transfer-date instrument or later amendment; do not infer the date from a different subtitle."],["B23 — Travel incorporation/office wording. Partial.","Travel is tied to Title 5 rates; requested assistance is assigned to the Treasury office expressly named in §9705. C055–C057, C074; S005(b)–(c).","Current incorporated rates and any actual legal transfer/rename authority.","Invent a reimbursement amount or equate a separately named Bureau office with the Treasury office.","Read the relevant current clause in 5 U.S.C. ch.57, subch.I, or a public enacted transfer instrument, only if needed."],["B24 — Official explanation differs in terminology. Answered boundary.","Program-page wording can describe capability and institutional roles without amending statutory definitions or composition. C005, C070; S001–S003, S019.","Publication date, full legal explanation of any material mismatch, actual implementation.","An agency webpage’s terminology or count overrides the statute.","Compare the precise sentence with current statute and any actual public amendatory instrument; no roster audit."],["B25 — Access/currentness failure. Partial.","Failed originals are recorded; readable official section bodies and enactments support only their actual bounds. C001–C002, C074; source/failure log.","Unread later law and inaccessible index-level views.","Failure proves repeal, legal absence, or a model limit.","Retry an ordinary official endpoint or read another official publication format; no gate workaround."],["B26 — Individual entitlement. Answered boundary.","Institutional duties and public-information subjects do not establish a specific individual benefit or debt result. C068, C071–C072; S001–S008.","Separate operative entitlement/remedy law and all actual facts.","Education, coordination, or a public hotline discharges debt or guarantees assistance.","Identify the separate public statute for the claimed entitlement before any merits inquiry."],["B27 — Educational/behavioral efficacy. Excluded with reason.","Goals and mandated measures establish what institutions should examine, not what interventions cause. C031, C048, C058–C064, C073; S003, S006–S007.","Causal research, relevant populations, interventions, outcomes, follow-up, and implementation evidence.","National authorization proves efficacy, adherence, or a universally best method.","No further efficacy inquiry within this statutory pass; a separately authorized empirical component would need suitable public research."],["B28 — Individual assessment and remaining parent. Excluded with reason.","No selected provision supplies an individual literacy, psychological, clinical, suitability, or financial determination on this record. C005, C071–C074.","Every individual fact and the relevant separate legal/empirical framework.","Infer shame, capacity, motivation, financial behavior, or a recommended action from a statutory category.","Continue only with a separately scoped generic authority/evidence question; no individual assessment or identifying inquiry."]]},{"headers":["Analytical field","Authority entry","Evidence entry","Analysis","Result"],"index":10,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Analytical field","Authority entry","Evidence entry","Analysis","Result"],["Source issuer and instrument","","","",""],["Version, compilation, and legal status","","","",""],["Access and exact read bounds","","","",""],["Publication, enactment, and effective/application distinction","","","",""],["Generic statutory topic","","","",""],["Generic statutory role","","","",""],["Express definition versus use of a term","","","",""],["Incorporated definition and remaining cross-reference","","","",""],["Required function","","","",""],["Permissive function","","","",""],["Conditions and discretion","","","",""],["Institutional authority versus implementation","","","",""],["Strategy function","","","",""],["Materials and information function","","","",""],["Dissemination function","","","",""],["Coordination and consultation function","","","",""],["Report, review, testimony, or evaluation function","","","",""],["Resource authorization","","","",""],["Appropriation and spending boundary","","","",""],["Personnel, assistance, or reimbursement provision","","","",""],["Quantity, unit, base, and boundary wording","","","",""],["Timing trigger and counting convention","","","",""],["Amendment or transition","","","",""],["Source-access and currentness gap","","","",""],["Institutional versus individual consequence","","","",""],["Statutory subject versus missing empirical evidence","","","",""],["Clinical, behavioral, or psychometric boundary","","","",""],["Remaining public-law incorporation","","","",""],["Unresolved issue","","","",""],["Exact next generic public-law inquiry","","","",""]]},{"headers":["Question/material subquestion","Status and finding","Claim/source/branch crosswalk","Missing evidence and exact next permissible inquiry"],"index":11,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Question/material subquestion","Status and finding","Claim/source/branch crosswalk","Missing evidence and exact next permissible inquiry"],["1.1 Complete selected bodies and actual organization","Answered within selected interval. All eight bodies present and read; Chapter 77 heading verified.","C001; S001–S008; B01.","Whole-chapter index access failed. No inference that §9708 is the chapter endpoint; obtain an ordinary official index only if broader organization becomes necessary."],["1.2 Definitions, nested conditions, exceptions, notes","Answered/partial. Selected statutory text and material statutory notes read; necessary Act-level incorporation traced.","C003–C008, C074; S001–S014; B02–B03.","Full FCRA consequences, travel rates, and separate executive-council histories excluded; read only a newly indispensable narrow clause."],["1.3 Version, publication status, access, later history","Partial. Displayed current compilations and actual access documented.","C001–C002, C014; source register; B25.","Post-cutoff enactments and exhaustive judicial history not certified; check later public amendatory law if required."],["2.1 Defined versus merely used financial-literacy terms","Answered. Institutional terms are defined; no personal literacy/clinical test supplied by selected enacted sections.","C004–C006, C073; S001, S009, S013; B02.","Separate legal definitions and empirical measures require separate authority/evidence."],["2.2 Commission, offices, and generic roles","Answered as statutory categories. Leadership and office responsibilities distinguished.","C015–C019, C056, C058, C061; S002, S005–S007; B04.","Current holders/organization unexamined; only public legal transfer/delegation instruments would be permissible next authorities."],["2.3 Covered people, topics, and materials","Answered as statutory audiences and subjects.","C015, C024–C039; S002–S003; B03, B11–B14.","No actual recipient or program eligibility established; identify separate enabling law if eligibility becomes a new component."],["3.1 Creation and purpose","Answered. Commission and national-strategy purpose established.","C003, C015; S002, S009.","Actual operations held; no additional inquiry needed for the stated text."],["3.2 Composition, representation, appointment, alternates","Answered rule/application unresolved. Full statutory offices and appointment predicates retained.","C007, C016–C019; S002, S012; B05–B06.","No roster, appointments, or attendance; next inquiry limited to public changes to composition/designation law."],["3.3 Meetings and decision rules","Answered selected rules. Frequency, publicity, majority quorum, hearing exception, initial deadline.","C020–C022; M001–M004; S002; B07.","Other decision procedures and actual compliance unexamined; read a precise generic procedural authority if needed."],["3.4 Support and administration","Answered/partial. Compensation, travel-reference, Treasury assistance, and details explained.","C054–C057; S005; B23.","Travel rates and legal office-transfer history held; narrow Title 5 or transfer-law inquiry only."],["3.5 Institutional discretion versus entitlement/power","Answered boundary. Mandatory functions with discretion distinguished from private rights and general enforcement.","C023, C050–C053, C068, C072; S003–S004; B08–B09, B26.","Any further claimed authority requires its own enabling statute."],["4.1 National strategy and coordination","Answered rules; implementation unresolved. Contents, duplication, participation, review and coordination traced.","C040–C044; S003(e)–(g); B10.","No actual strategy/implementation audit; later amendments are the permissible legal inquiry."],["4.2 Clearinghouse, website, grant information, links","Answered rules. Illustrative domain and distinct website purposes retained.","C036–C037; S003(b); B12–B13.","Actual site compliance and grant eligibility held; underlying public grant law would be separate."],["4.3 Hotline, materials, promotion, dissemination","Answered rules; implementation unresolved.","C038–C039, C053, C061–C063; S003(c)–(d), S004(d), S007.","No operational availability or campaign audit; no actual contact permitted."],["4.4 Readability, accessibility, neutrality, targeting","Answered narrow text; broader standards excluded. Clause-specific clarity, access, noncommercial links, multilingual provisions and targeted populations identified.","C028–C029, C033, C037, C053, C069; S003–S004, S007; B14–B16.","No universal reading-grade or accessibility certification. Separate public accessibility/language law remains next authority if authorized."],["4.5 Reviews, reports, recommendations, testimony","Answered legal requirements; actual performance unresolved.","C034, C043–C049, C058–C060, C065; S003, S006–S007; B17–B18, B21.","Actual reports and data held; §9707(e)’s reference defect requires a public correction or interpretation."],["5.1 Debt, borrowing, credit, savings, spending, planning","Answered as educational topics. No payment plan, score result, or debt-validity finding.","C024–C027, C030–C033; S003(a); B11.","Separate consumer-credit rules and actual applications excluded."],["5.2 Fraud, investor recourse, retirement and other topics","Answered in exact contexts. Deceptive offers and retirement appear in educational subjects; fraud/identity theft also appear as illustrative report-obtaining purposes.","C024, C027–C029, C059; S003(a)(2), S006(b)(2).","No fraud finding, retirement suitability, or available remedy; each requires separate law/facts."],["5.3 Education, counseling, advice, enforcement, relief","Answered boundary. These concepts are not treated as interchangeable.","C068, C071–C073; S003–S008; B09, B26–B28.","Professional-practice and debt-relief regimes remain held."],["6.1 Grants, contracts, permitted relationships","Adapted to actual text. Program/grant coordination and information are present; campaign nonprofit relationship is express.","C023, C036, C062–C063, C068; S003, S007; B20.","No complete independent grant/procurement system or actual award; identify the particular public enabling authority if necessary."],["6.2 Appropriations authorizations and resources","Answered text; funding unresolved. Historical campaign wording and general authorization distinguished.","C066–C067; M023–M024; S007–S008; B19.","Actual appropriations/spending not researched; only relevant public appropriation enactments would resolve authority."],["6.3 Compensation, reimbursement, personnel","Answered/partial. Express provisions traced; exact travel-rate regime held.","C054–C057; M015–M017; S005; B23.","No rate or actual detail; narrow incorporated travel law is next if needed."],["6.4 Conflicts, liability, general rulemaking","Excluded as absent from the selected express framework. No complete separate regime invented.","C068; S001–S008; B09, B20.","Applicable external ethics, liability, procurement, or agency authority would require a separately identified legal question."],["6.5 Reporting, oversight, evaluation","Answered duties; results unresolved. Required assessment differs from validated evidence.","C045–C049, C058–C060, C064–C065, C073; S003, S006–S007; B17–B18.","Actual methods/results and report compliance held."],["7.1 Original enactment","Answered selected complete enactment. §§2–3 and Title V read.","C003, C012; S009.","No whole-FACT-Act investigation claimed."],["7.2 Original commencement/application","Answered narrow framework; no blanket date inferred. Act §3, interim/final rule, technical recodification and current §602.1 traced.","C012–C014; S009, S015–S018; B22.","Provision-specific later substantive rule effects outside this pass remain held."],["7.3 2010 membership amendment","Answered. Amendment and §1018 enactment trigger read.","C009; S010; B22.","No current roster or other Bureau powers investigated."],["7.4 Banking-definition change","Partial. Actual deletion and governing transfer-date clauses read; no actual designated date certified.","C007, C010; S010, S012; M033–M035.","A necessary public transfer-date instrument is the next narrow inquiry if actual historical commencement must be established."],["7.5 2018 higher-education amendment","Answered. Complete §603 and enactment anchor read.","C011, C032–C035; S011.","Actual best-practices process/results held."],["7.6 Official explanation and statutory difference","Answered bounded comparison. Selected introduction is explanatory, not amendatory; unknown publisher date retained.","C070; S019; B24.","No actual roster, materials, or program audit; public amendments control any legal mismatch."],["8.1 Behavioral and psychological mechanisms","Excluded with reason. Statutory duties do not establish causal mechanisms or effects.","C073; B27–B28; gaps table below.","Appropriate public empirical research would require a separate authorized component."],["8.2 Clinical care, psychometrics, individual capacity/suitability","Excluded with reason. No medical or personal assessment undertaken.","C005, C073; B02, B28.","Validated measures, clinical evidence, and actual facts are not supplied and are not requested here."],["8.3 Other laws and actual implementation","Excluded/held. Consumer-credit, private counseling, accessibility, other jurisdictions, debt/tax/bankruptcy, and implementation remain separate.","C068, C071–C074; B09, B14, B19, B26–B28.","Identify a precise next public-law component; no omnibus extension or individual inquiry."],["9.1 Institutional responsibility / individual entitlement","Answered comparison.","Comparison row 1; C015, C023, C072; S002–S008.","Separate entitlement law and actual facts absent."],["9.2 Defined term / personal trait","Answered comparison.","Comparison row 2; C004–C008; S001, S009, S012–S014.","Measurement/clinical interpretation remains outside the statutory definition."],["9.3 Subject matter / behavioral effect","Answered boundary.","Comparison row 3; C031, C064, C073.","Empirical causal evidence absent."],["9.4 Duty / implementation","Answered boundary.","Comparison row 4; C034, C036–C049.","Actual deliverables/compliance not audited."],["9.5 Education / advice or counseling","Answered boundary.","Comparison row 5; C071–C072.","Separate professional-practice authority required."],["9.6 Coordination / enforcement","Answered boundary.","Comparison row 6; C023, C051, C068.","Separate enabling law required for additional power."],["9.7 Authorization / appropriation/spending","Answered text; actual funding unresolved.","Comparison row 7; C066–C068; S007–S008.","Relevant appropriation law unexamined."],["9.8 Historical/current office wording","Answered text; actual organization unresolved.","Comparison row 8; C007, C009–C010, C056.","Public legal transfer/rename instruments may be necessary; no roster inquiry."],["9.9 Explanation / operative law","Answered.","Comparison row 9; C070; S019.","Unknown page publication date and implementation remain limits."],["9.10 Information / endorsement","Answered boundary.","Comparison row 10; C036–C037, C069.","Actual links and separate endorsement authority unexamined."],["9.11 Complete relied-on quantities","Answered as a register. All operative quantities and relied-on historical/source-status dates are recorded without calculations.","M001–M039; corresponding claims/sources.","Unspecified intervals and rate regimes are marked; no actual calendar/model inquiry necessary."],["10.1 Conditional branches","Answered with application holds. Twenty-eight substantive branches supplied.","B01–B28, each with claims, sources, missing predicates, prohibited inference, and next inquiry.","Individual application and excluded regimes remain held in each row."],["11.1 Blank worksheet","Answered. All entry/analysis/result cells are empty.","Section 6 above.","No data collection, assessment, application, or outcome produced."]]},{"headers":["Log ID","Endpoint or source group","Actual result/read boundary","Consequence"],"index":12,"links":[{"href":"https://uscode.house.gov/us/usc/t20/s9704/","text":"https://uscode.house.gov/us/usc/t20/s9704/"},{"href":"https://uscode.house.gov/us/usc/t20/s9705/","text":"https://uscode.house.gov/us/usc/t20/s9705/"},{"href":"https://uscode.house.gov/us/usc/t20/s9707/","text":"https://uscode.house.gov/us/usc/t20/s9707/"},{"href":"https://uscode.house.gov/us/usc/119-134/t20/s9704/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-134/t20/s9704/"},{"href":"https://uscode.house.gov/view.xhtml?edition=prelim&path=%2Fprelim@title20%2Fchapter77&utm_source=chatgpt.com","text":"https://uscode.house.gov/view.xhtml?edition=prelim&path=%2Fprelim%40title20%2Fchapter77"},{"href":"https://uscode.house.gov/view.xhtml?edition=prelim&num=0&req=granuleid%3AUSC-prelim-title20-chapter77","text":"https://uscode.house.gov/view.xhtml?edition=prelim&num=0&req=granuleid%3AUSC-prelim-title20-chapter77"},{"href":"https://uscode.house.gov/browse/prelim%40title20/chapter77%26edition%3Dprelim","text":"https://uscode.house.gov/browse/prelim%40title20/chapter77%26edition%3Dprelim"},{"href":"https://www.govinfo.gov/content/pkg/FR-2004-05-20/html/04-11329.htm","text":"https://www.govinfo.gov/content/pkg/FR-2004-05-20/html/04-11329.htm"}],"row_links":[[],[],[{"href":"https://uscode.house.gov/us/usc/t20/s9704/","text":"https://uscode.house.gov/us/usc/t20/s9704/"},{"href":"https://uscode.house.gov/us/usc/t20/s9705/","text":"https://uscode.house.gov/us/usc/t20/s9705/"},{"href":"https://uscode.house.gov/us/usc/t20/s9707/","text":"https://uscode.house.gov/us/usc/t20/s9707/"}],[{"href":"https://uscode.house.gov/us/usc/119-134/t20/s9704/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-134/t20/s9704/"}],[{"href":"https://uscode.house.gov/view.xhtml?edition=prelim&path=%2Fprelim@title20%2Fchapter77&utm_source=chatgpt.com","text":"https://uscode.house.gov/view.xhtml?edition=prelim&path=%2Fprelim%40title20%2Fchapter77"}],[{"href":"https://uscode.house.gov/view.xhtml?edition=prelim&num=0&req=granuleid%3AUSC-prelim-title20-chapter77","text":"https://uscode.house.gov/view.xhtml?edition=prelim&num=0&req=granuleid%3AUSC-prelim-title20-chapter77"}],[{"href":"https://uscode.house.gov/browse/prelim%40title20/chapter77%26edition%3Dprelim","text":"https://uscode.house.gov/browse/prelim%40title20/chapter77%26edition%3Dprelim"}],[],[],[],[{"href":"https://www.govinfo.gov/content/pkg/FR-2004-05-20/html/04-11329.htm","text":"https://www.govinfo.gov/content/pkg/FR-2004-05-20/html/04-11329.htm"}],[],[]],"rows":[["Log ID","Endpoint or source group","Actual result/read boundary","Consequence"],["L01","S001–S008, current individual Code sections","All selected statutory bodies and identified material notes ultimately read. S003 required successive bounded reads to cover its entire body.","Complete selected-section findings; no whole-regime claim."],["L02","https://uscode.house.gov/us/usc/t20/s9704/\nhttps://uscode.house.gov/us/usc/t20/s9705/\nhttps://uscode.house.gov/us/usc/t20/s9707/","Initial generic endpoints returned 403.","Preserved failures. Readable official versioned section bodies were subsequently obtained through ordinary access/navigation. No security workaround."],["L03","https://uscode.house.gov/us/usc/119-134/t20/s9704/","An initial versioned opening was reported inaccessible; a subsequent ordinary official “Next” section navigation returned the complete body.","The successful read supports S004; the initial failure remains part of the record."],["L04","https://uscode.house.gov/view.xhtml?edition=prelim&path=%2Fprelim%40title20%2Fchapter77","500 Internal Server Error.","No whole-chapter read claimed from this endpoint. Chapter location is supported by individual-section headers."],["L05","https://uscode.house.gov/view.xhtml?edition=prelim&num=0&req=granuleid%3AUSC-prelim-title20-chapter77","Reported inaccessible.","No substantive law inferred from the failure."],["L06","https://uscode.house.gov/browse/prelim%40title20/chapter77%26edition%3Dprelim","Attempted browse-form URL returned 404.","Navigation failure only; not evidence about the existence of Chapter 77 or any section."],["L07","S009–S011, enacted Acts","Complete selected Title V and §§2–3 of the 2003 Act; complete identified 2010 amendments/triggers; complete 2018 §603.","HTML reads of bounded enacted text, not whole-Act certification or a complete legislative-history dossier."],["L08","S012–S014, incorporated definitions","Exact narrow relied-on definitions read; broader surrounding regimes not adopted.","Actual FCRA, banking, or transaction classifications remain unresolved where their predicates/cross-references exceed scope."],["L09","S015–S018, effective-date instruments","Interim material clauses, final material explanation/amendments, technical recodification, and complete current §602.1 read.","Preamble interpretation distinguished from operative text; currentness metadata distinguished from commencement."],["L10","https://www.govinfo.gov/content/pkg/FR-2004-05-20/html/04-11329.htm","GovInfo HTML endpoint reported inaccessible. The official PDF in S017 was readable; FederalRegister.gov rendition also read within stated bounds.","Original-format failure retained. Official PDF parsed text supplied the selected adoption/date clauses; no pixel or whole-file claim."],["L11","S001 appended executive documents; S019 program introduction","Executive-document references screened without a full currentness/history adoption; only selected complete introductory program paragraphs relied on.","No executive-council current-status conclusion, member-list verification, website audit, or program-results claim."],["L12","Search/index discoveries and text-location probes","Search hits, annual-code/mirror leads, and publication/crawl metadata were discovery only. A nonmatching text-location probe did not establish absence of an amendment.","No search snippet or nonofficial mirror is treated as the current statutory body. Incorrectly useful-looking timestamps were not substituted for enacted/publication dates."]]},{"headers":["Remaining dimension","What the statutory framework supplies","Evidence that would be needed in a separately authorized component"],"index":13,"links":[],"row_links":[[],[],[],[],[],[],[],[]],"rows":[["Remaining dimension","What the statutory framework supplies","Evidence that would be needed in a separately authorized component"],["Shame, avoidance, and anxiety","Education goals and institutional duties only.","Research defining the constructs, population, measurement validity, context, and relationship to behavior; clinical claims would need appropriate clinical evidence."],["Financial pressure and fatigue","No mechanism or effect estimate.","Suitable empirical designs distinguishing pressure/fatigue from correlated circumstances and measuring relevant outcomes over time."],["Minimum-payment anchoring, optimism, and other behavioral mechanisms","No causal finding about these mechanisms.","Clearly specified interventions or exposures, comparison conditions, outcome definitions, causal identification, and limits on generalization."],["Household conflict","No household assessment or relationship determination.","Appropriate public research on relevant populations and settings; no inference about any household from a legal education category."],["Motivation and completion barriers","A goal of improved choices and statutory evaluation tasks.","Engagement, attrition, adherence, completion, follow-up, and implementation evidence, with uncertainty and selection effects addressed."],["Educational intervention efficacy","Duties to assess success, impact, and decisionmaking.","Actual study methods and results, credible comparison/counterfactual design, practical outcomes, follow-up, and applicability limits. A mandated metric alone is insufficient."],["Psychometrics, literacy level, capacity, suitability, and clinical care","No individual test or clinical standard in the selected enacted sections.","Validated instruments or relevant legal/clinical standards, with a separately authorized scope. No personal assessment is undertaken here."]]},{"headers":["Check","Result"],"index":14,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Check","Result"],["Independent foundation","This pass used newly opened public legal sources. Prior R032/R040/R049/R072/R074/R076/R078 or other reports were not premises or source packets."],["Selected-body completeness","Complete current bodies of §§9701–9708 were read, including their nested statutory clauses and identified material notes."],["Historical authentication","Original Title V, necessary Act definitions/effective-date provisions, the 2010 membership amendment, the narrow banking-definition change, and the 2018 amendment were read in enacted text."],["Source-status discipline","Current compilation, historical enactment, rule text, preamble interpretation, editorial note, and generic program explanation are distinguished."],["Failure preservation","Failed endpoints and successful alternatives are recorded without treating failure as repeal, absence of authority, or a system quota."],["Quantities","Every relied-on operative quantity and historical/source-status date is registered; no actual financial or calendar computation was performed."],["Legal inference limits","No institutional duty was converted into individual eligibility, debt relief, program completion, funding, enforcement power, or empirical efficacy."],["Actual-record boundary","No identifying party, provider, institution, account, financial profile, roster, case, completed form, contract, award, or private record was queried or created. Statutory office names were used only as public legal categories."],["Operational boundary","No contact, filing, application, payment, purchase, website change, account action, or security workaround occurred."],["Review status","This is the researcher’s self-check, not independent review, component acceptance, parent acceptance, operational approval, or publication acceptance. No local-file, hash, import, or unseen UI/model-provenance claim is made."]]}],"claims":[{"claim_id":"R080-P1-C001","area_numbers":[80],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R080-P1-C001","Supported proposition":"The selected interval contains substantive §§9701–9708 in Title 20, Chapter 77, with the titles shown in S001–S008.","Conditions, limitations, and exact evidence":"All selected bodies were read. Their displayed compilation is through P.L. 119-134, October 20, 2026. No assertion that this interval exhausts Chapter 77. S001–S008, section headings and bodies."},"coordinator_verification_status":"material_original_current_definition_history_or_explanation_unreopened_held","coordinator_review":{"at":"2026-10-29T09:33:25.191477+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"material_original_current_definition_history_or_explanation_unreopened_held","scope":"Some selected context freshly checked; material original currentbody/definition/crossreference/history/programdescription not freshly completed. No entireclaim/currentness/application acceptance.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R080-P1-C002","area_numbers":[80],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R080-P1-C002","Supported proposition":"Actual access occurred October 27, 2026 PDT; some original endpoints failed before readable official alternatives or ordinary section navigation succeeded.","Conditions, limitations, and exact evidence":"Research observation, documented in the log. Access date, compilation cutoff, publication, amendment, and effectiveness are separate. No exhaustive post-cutoff enactment or judicial-history claim."},"coordinator_verification_status":"material_original_current_definition_history_or_explanation_unreopened_held","coordinator_review":{"at":"2026-10-29T09:33:25.191477+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"material_original_current_definition_history_or_explanation_unreopened_held","scope":"Some selected context freshly checked; material original currentbody/definition/crossreference/history/programdescription not freshly completed. No entireclaim/currentness/application acceptance.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R080-P1-C003","area_numbers":[80],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R080-P1-C003","Supported proposition":"The original framework was enacted in Title V of P.L. 108-159; §511 gives the short title “Financial Literacy and Education Improvement Act.”","Conditions, limitations, and exact evidence":"Complete §§511–519 and Act §§2–3 read. In Act §2, “Commission” means FTC except in Title V; Title V’s own Commission is FLEC. S009 §§2, 511–519; S001–S002. \ngovinfo.gov\n+1"},"coordinator_verification_status":"fresh_statutory_definitions_original_title_and_Act_definition_checked","coordinator_review":{"at":"2026-10-29T09:33:25.191477+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"fresh_statutory_definitions_original_title_and_Act_definition_checked","scope":"9701body,originalTitleVshorttitle/definitions andFACT2exception checked; no personaltrait/clinicaltest/otherlaw conclusion.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R080-P1-C004","area_numbers":[80],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R080-P1-C004","Supported proposition":"Section 9701 expressly defines “Chairperson” and “Commission” by reference to FLEC and its establishment under §9702.","Conditions, limitations, and exact evidence":"These are institutional definitions. They do not define an individual’s literacy, competence, or financial need. S001 §9701(1)–(2)."},"coordinator_verification_status":"fresh_statutory_definitions_original_title_and_Act_definition_checked","coordinator_review":{"at":"2026-10-29T09:33:25.191477+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"fresh_statutory_definitions_original_title_and_Act_definition_checked","scope":"9701body,originalTitleVshorttitle/definitions andFACT2exception checked; no personaltrait/clinicaltest/otherlaw conclusion.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R080-P1-C005","area_numbers":[80],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R080-P1-C005","Supported proposition":"The selected enacted sections use financial literacy and education without supplying a psychometric, clinical, scoring, or incapacity definition. They do not define “financial capability” as an individual eligibility test.","Conditions, limitations, and exact evidence":"Textual limit of §§9701–9708. This does not deny that other instruments use or define related terms. Appended executive-order terminology and the program page are not imported into §9701. No automatic higher-education definition from another chapter is assumed. S001–S008; S003(a)(3); S019."},"coordinator_verification_status":"material_original_current_definition_history_or_explanation_unreopened_held","coordinator_review":{"at":"2026-10-29T09:33:25.191477+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"material_original_current_definition_history_or_explanation_unreopened_held","scope":"Some selected context freshly checked; material original currentbody/definition/crossreference/history/programdescription not freshly completed. No entireclaim/currentness/application acceptance.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R080-P1-C006","area_numbers":[80],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R080-P1-C006","Supported proposition":"Act §2(3) incorporates specified FCRA meanings, including “consumer”; current §1681a(c) defines consumer as an individual.","Conditions, limitations, and exact evidence":"The incorporation also names consumer report, consumer reporting agency, creditor, federal banking agencies, and financial institution. This pass does not resolve the full nested FCRA classification or rights regime. S009 §2(3); S013 §1681a(c), (d), (f), (r)(5), (s), (t). \ngovinfo.gov\n+2"},"coordinator_verification_status":"material_original_current_definition_history_or_explanation_unreopened_held","coordinator_review":{"at":"2026-10-29T09:33:25.191477+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"material_original_current_definition_history_or_explanation_unreopened_held","scope":"Some selected context freshly checked; material original currentbody/definition/crossreference/history/programdescription not freshly completed. No entireclaim/currentness/application acceptance.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R080-P1-C007","area_numbers":[80],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R080-P1-C007","Supported proposition":"The current federal-banking-agency definition directly incorporated by §9702(c)(1)(B) names the Comptroller of the Currency, Federal Reserve Board, and FDIC.","Conditions, limitations, and exact evidence":"These are statutory offices/entities, not a verified roster of their current heads. S002(c)(1)(B); S012 §1813(z). \nuscode.house.gov"},"coordinator_verification_status":"material_original_current_definition_history_or_explanation_unreopened_held","coordinator_review":{"at":"2026-10-29T09:33:25.191477+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"material_original_current_definition_history_or_explanation_unreopened_held","scope":"Some selected context freshly checked; material original currentbody/definition/crossreference/history/programdescription not freshly completed. No entireclaim/currentness/application acceptance.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R080-P1-C008","area_numbers":[80],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R080-P1-C008","Supported proposition":"The incorporated financial-institution definition includes the enumerated bank, savings-association, mutual-savings-bank, and credit-union categories, plus another person directly or indirectly holding a consumer’s transaction account.","Conditions, limitations, and exact evidence":"Section 461(b)(1)(C) defines the account by permitted withdrawal/payment-transfer functions and includes the specified account categories. Section (F) separately authorizes anti-evasion determinations after the specified regulator consultation. No actual institution or account is classified. S013(t); S014(b)(1)(C), (F)."},"coordinator_verification_status":"material_original_current_definition_history_or_explanation_unreopened_held","coordinator_review":{"at":"2026-10-29T09:33:25.191477+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"material_original_current_definition_history_or_explanation_unreopened_held","scope":"Some selected context freshly checked; material original currentbody/definition/crossreference/history/programdescription not freshly completed. No entireclaim/currentness/application acceptance.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R080-P1-C009","area_numbers":[80],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R080-P1-C009","Supported proposition":"The Bureau director’s Commission membership and vice-chair role were added by P.L. 111-203 §1013(d)(5)–(6).","Conditions, limitations, and exact evidence":"Section 1018 makes that subtitle effective on enactment, July 21, 2010. The separate designated-transfer-date clause elsewhere in the Act is not substituted for §1018. S010 §§1013(d)(5)–(6), 1018; S002(c)(1)(C), (d). \ngovinfo.gov\n+2"},"coordinator_verification_status":"fresh2010_membership_amendment_and_commencement_checked_currentbody_failed","coordinator_review":{"at":"2026-10-29T09:33:25.191477+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"fresh2010_membership_amendment_and_commencement_checked_currentbody_failed","scope":"1013d5–6and1018complete checked; current9702failed, no actualroster.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R080-P1-C010","area_numbers":[80],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R080-P1-C010","Supported proposition":"The deletion of the Office of Thrift Supervision director from §1813(z) was enacted by §363(1)(C), under the separate Title III commencement structure.","Conditions, limitations, and exact evidence":"Section 351 uses the transfer date, except for §364(a)’s different repeal. Section 311 provides a one-year default, a qualified extension no later than eighteen months, required consultation and transmissions, and notice publication within 270 days. An actual designated date or historical implementation is not established here. S010 §§311, 351, 363(1)(C), 364(a); S012(z)."},"coordinator_verification_status":"material_original_current_definition_history_or_explanation_unreopened_held","coordinator_review":{"at":"2026-10-29T09:33:25.191477+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"material_original_current_definition_history_or_explanation_unreopened_held","scope":"Some selected context freshly checked; material original currentbody/definition/crossreference/history/programdescription not freshly completed. No entireclaim/currentness/application acceptance.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R080-P1-C011","area_numbers":[80],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R080-P1-C011","Supported proposition":"The higher-education best-practices paragraph was added by P.L. 115-174 §603.","Conditions, limitations, and exact evidence":"The complete amendment was read; enactment was May 24, 2018. Its own establishment deadline is tied to that date, and its ongoing maintenance and adoption-limit clauses must be retained. S011 §603; S003(a)(3). \ngovinfo.gov"},"coordinator_verification_status":"fresh_complete2018_amendment_checked_current9703_failed","coordinator_review":{"at":"2026-10-29T09:33:25.191477+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"fresh_complete2018_amendment_checked_current9703_failed","scope":"Complete603A–Dandapprovaldate checked, including comments/consultation/deadline/content/maintenance/nonmandatoryadoption; currentCodefailed, implementation/history held.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R080-P1-C012","area_numbers":[80],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R080-P1-C012","Supported proposition":"Original Act §3 directs joint final effective-date regulations, except where the Act or amendments specifically provide otherwise.","Conditions, limitations, and exact evidence":"Final rules were required before the end of two months beginning with enactment; assigned effective dates were to be as early as possible with reasonable implementation time and no later than ten months after final-rule issuance. These are rulemaking instructions, not a uniform consumer deadline. S009 §3(1)–(2)."},"coordinator_verification_status":"fresh_FACT3_and_current602_schedule_checked_original_rules_unreopened","coordinator_review":{"at":"2026-10-29T09:33:25.191477+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"fresh_FACT3_and_current602_schedule_checked_original_rules_unreopened","scope":"CompleteAct3andPart602checked; authority-onlyeffectiveclause notblanketTitleVdate; original2003/2004adoption/preamble instrumentsunreopened.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R080-P1-C013","area_numbers":[80],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R080-P1-C013","Supported proposition":"The joint effective-date materials distinguish enactment-anchored agency-action duties from authority to begin implementation under otherwise undated provisions.","Conditions, limitations, and exact evidence":"The preamble treats enactment-anchored agency duties as effective by their statutory predicate. Section 602.1(c)(1)(ii) uses December 31, 2003 only for the agency’s implementing authority. It does not make every substantive FACT Act provision uniformly effective that day. S015 relevant preamble and §602.1(c)(1)(ii); S016 §III; S018(c)(1)(ii). \ngovinfo.gov\n+2"},"coordinator_verification_status":"fresh_FACT3_and_current602_schedule_checked_original_rules_unreopened","coordinator_review":{"at":"2026-10-29T09:33:25.191477+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"fresh_FACT3_and_current602_schedule_checked_original_rules_unreopened","scope":"CompleteAct3andPart602checked; authority-onlyeffectiveclause notblanketTitleVdate; original2003/2004adoption/preamble instrumentsunreopened.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R080-P1-C014","area_numbers":[80],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R080-P1-C014","Supported proposition":"The final effective-date rule and later technical recodification have their own effective dates, distinct from the dates assigned to Act provisions.","Conditions, limitations, and exact evidence":"S016: published February 11, 2004, effective March 12, 2004. S017: published May 20, 2004, effective June 21, 2004; relevant changes described as nonsubstantive. S018’s October 2026 currency labels do not create a new commencement date. S016 DATES; S017 DATES and §I; S018 header/source credit."},"coordinator_verification_status":"material_original_current_definition_history_or_explanation_unreopened_held","coordinator_review":{"at":"2026-10-29T09:33:25.191477+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"material_original_current_definition_history_or_explanation_unreopened_held","scope":"Some selected context freshly checked; material original currentbody/definition/crossreference/history/programdescription not freshly completed. No entireclaim/currentness/application acceptance.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R080-P1-C015","area_numbers":[80],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R080-P1-C015","Supported proposition":"FLEC is established to improve financial literacy and education of persons in the United States through a national strategy.","Conditions, limitations, and exact evidence":"Other clauses respectively address all Americans, American consumers, students, and the general public. These audience descriptions are not individualized grant or service eligibility determinations. S002(a)–(b); S003(a)(1), (a)(3), (d), (f)(1)."},"coordinator_verification_status":"fresh_original513_and514_context_plus2010_checked_current9702_9703_failed","coordinator_review":{"at":"2026-10-29T09:33:25.191477+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"fresh_original513_and514_context_plus2010_checked_current9702_9703_failed","scope":"Original creation/composition/purpose/appointments/alternate/meeting/quorum/deadline text checked with2010addition; currentbodiesfailed, no actual roster/quorum/calendar/compliance.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R080-P1-C016","area_numbers":[80],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R080-P1-C016","Supported proposition":"The mandatory membership list includes Treasury; heads of the incorporated federal banking agencies; NCUA; SEC; Education, Agriculture, Defense, HHS, HUD, Labor, and Veterans Affairs; FTC; GSA; SBA; Social Security Administration; CFTC; OPM; and the Bureau director.","Conditions, limitations, and exact evidence":"This is the complete statutory office list in (c)(1)(A)–(C), not current incumbency, participation, or attendance. S002(c)(1)(A)–(C); C007. \nuscode.house.gov"},"coordinator_verification_status":"fresh_original513_and514_context_plus2010_checked_current9702_9703_failed","coordinator_review":{"at":"2026-10-29T09:33:25.191477+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"fresh_original513_and514_context_plus2010_checked_current9702_9703_failed","scope":"Original creation/composition/purpose/appointments/alternate/meeting/quorum/deadline text checked with2010addition; currentbodiesfailed, no actual roster/quorum/calendar/compliance.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R080-P1-C017","area_numbers":[80],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R080-P1-C017","Supported proposition":"The President may appoint no more than five additional members from administrative heads of other federal entities.","Conditions, limitations, and exact evidence":"Presidential discretion and a determination that the entities are engaged in a serious financial-literacy/education effort are express predicates. No actual appointments are established. S002(c)(1)(D)."},"coordinator_verification_status":"fresh_original513_and514_context_plus2010_checked_current9702_9703_failed","coordinator_review":{"at":"2026-10-29T09:33:25.191477+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"fresh_original513_and514_context_plus2010_checked_current9702_9703_failed","scope":"Original creation/composition/purpose/appointments/alternate/meeting/quorum/deadline text checked with2010addition; currentbodiesfailed, no actual roster/quorum/calendar/compliance.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R080-P1-C018","area_numbers":[80],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R080-P1-C018","Supported proposition":"A member unable to attend a meeting may designate an alternate.","Conditions, limitations, and exact evidence":"The alternate must exercise significant decisionmaking authority. This is not an unrestricted substitution by any employee. S002(c)(2)."},"coordinator_verification_status":"fresh_original513_and514_context_plus2010_checked_current9702_9703_failed","coordinator_review":{"at":"2026-10-29T09:33:25.191477+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"fresh_original513_and514_context_plus2010_checked_current9702_9703_failed","scope":"Original creation/composition/purpose/appointments/alternate/meeting/quorum/deadline text checked with2010addition; currentbodiesfailed, no actual roster/quorum/calendar/compliance.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R080-P1-C019","area_numbers":[80],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R080-P1-C019","Supported proposition":"Treasury’s Secretary is Chairperson; the Bureau director is Vice Chairman.","Conditions, limitations, and exact evidence":"Statutory office assignments only. No finding about present holders, vacancy rules, or an actual designation. S002(d); C009."},"coordinator_verification_status":"fresh_original513_and514_context_plus2010_checked_current9702_9703_failed","coordinator_review":{"at":"2026-10-29T09:33:25.191477+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"fresh_original513_and514_context_plus2010_checked_current9702_9703_failed","scope":"Original creation/composition/purpose/appointments/alternate/meeting/quorum/deadline text checked with2010addition; currentbodiesfailed, no actual roster/quorum/calendar/compliance.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R080-P1-C020","area_numbers":[80],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R080-P1-C020","Supported proposition":"The Commission must hold, at the Chairperson’s call, at least one meeting every four months; the statute states that such meetings are public. Additional meetings may be called as the Chairperson sees fit.","Conditions, limitations, and exact evidence":"The minimum interval is not converted to a quarterly calendar schedule, and actual compliance is not established. S002(e)."},"coordinator_verification_status":"fresh_original513_and514_context_plus2010_checked_current9702_9703_failed","coordinator_review":{"at":"2026-10-29T09:33:25.191477+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"fresh_original513_and514_context_plus2010_checked_current9702_9703_failed","scope":"Original creation/composition/purpose/appointments/alternate/meeting/quorum/deadline text checked with2010addition; currentbodiesfailed, no actual roster/quorum/calendar/compliance.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R080-P1-C021","area_numbers":[80],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R080-P1-C021","Supported proposition":"A majority of Commission members constitutes a quorum, but fewer may hold hearings.","Conditions, limitations, and exact evidence":"The selected text does not supply a separate general voting formula or prove an actual quorum. Membership denominator and attendance remain absent. S002(f)."},"coordinator_verification_status":"fresh_original513_and514_context_plus2010_checked_current9702_9703_failed","coordinator_review":{"at":"2026-10-29T09:33:25.191477+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"fresh_original513_and514_context_plus2010_checked_current9702_9703_failed","scope":"Original creation/composition/purpose/appointments/alternate/meeting/quorum/deadline text checked with2010addition; currentbodiesfailed, no actual roster/quorum/calendar/compliance.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R080-P1-C022","area_numbers":[80],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R080-P1-C022","Supported proposition":"The initial meeting was required no later than sixty days after December 4, 2003.","Conditions, limitations, and exact evidence":"A statutory deadline is not evidence of when the first meeting occurred; that distinction matters for §9703(h)(1). S002(g); S003(h)(1)."},"coordinator_verification_status":"fresh_original513_and514_context_plus2010_checked_current9702_9703_failed","coordinator_review":{"at":"2026-10-29T09:33:25.191477+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"fresh_original513_and514_context_plus2010_checked_current9702_9703_failed","scope":"Original creation/composition/purpose/appointments/alternate/meeting/quorum/deadline text checked with2010addition; currentbodiesfailed, no actual roster/quorum/calendar/compliance.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R080-P1-C023","area_numbers":[80],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R080-P1-C023","Supported proposition":"The Commission must act through its members’ authority to streamline, improve, or augment federal financial-education programs, grants, materials, and curricula as it deems necessary.","Conditions, limitations, and exact evidence":"“Shall” and the judgment qualification both matter. This clause does not itself establish an unrestricted new regulatory jurisdiction or a complete recipient-level grant program. S003(a)(1)."},"coordinator_verification_status":"fresh_original513_and514_context_plus2010_checked_current9702_9703_failed","coordinator_review":{"at":"2026-10-29T09:33:25.191477+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"fresh_original513_and514_context_plus2010_checked_current9702_9703_failed","scope":"Original creation/composition/purpose/appointments/alternate/meeting/quorum/deadline text checked with2010addition; currentbodiesfailed, no actual roster/quorum/calendar/compliance.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R080-P1-C050","area_numbers":[80],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R080-P1-C050","Supported proposition":"The Commission is to hold hearings, take testimony, and receive evidence as it deems appropriate; it must consider inviting the listed categories.","Conditions, limitations, and exact evidence":"Categories include federal officials, State/local officials, consumer/community groups, nonprofit financial-education groups, and financial-services industry representatives. “Consider inviting” does not mean each category must testify. S004(a)(1)–(2). \nuscode.house.gov"},"coordinator_verification_status":"fresh_complete_original515_516_checked_current_and_incorporations_held","coordinator_review":{"at":"2026-10-29T09:33:25.191477+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"fresh_complete_original515_516_checked_current_and_incorporations_held","scope":"Completeoriginal515/516powers/personnelchecked; currentbodiesunreopened/protected failure, travelrates/officehistory and actualfacts held.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R080-P1-C051","area_numbers":[80],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R080-P1-C051","Supported proposition":"The Commission may obtain necessary information directly from federal departments or agencies; upon the Chairperson’s request, the agency head must furnish it.","Conditions, limitations, and exact evidence":"The express provision concerns federal-agency information. It does not supply a general private-party subpoena or personal-record collection authority in this pass. S004(b)."},"coordinator_verification_status":"fresh_complete_original515_516_checked_current_and_incorporations_held","coordinator_review":{"at":"2026-10-29T09:33:25.191477+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"fresh_complete_original515_516_checked_current_and_incorporations_held","scope":"Completeoriginal515/516powers/personnelchecked; currentbodiesunreopened/protected failure, travelrates/officehistory and actualfacts held.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R080-P1-C052","area_numbers":[80],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R080-P1-C052","Supported proposition":"Periodic studies on the state of financial literacy and education are permitted as the Commission determines appropriate.","Conditions, limitations, and exact evidence":"No fixed study interval or actual completed study follows from this permission. S004(c)."},"coordinator_verification_status":"fresh_complete_original515_516_checked_current_and_incorporations_held","coordinator_review":{"at":"2026-10-29T09:33:25.191477+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"fresh_complete_original515_516_checked_current_and_incorporations_held","scope":"Completeoriginal515/516powers/personnelchecked; currentbodiesunreopened/protected failure, travelrates/officehistory and actualfacts held.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R080-P1-C053","area_numbers":[80],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R080-P1-C053","Supported proposition":"Non-English materials and campaign versions are expressly permitted under qualified discretion.","Conditions, limitations, and exact evidence":"Commission action under §9704(d) may include website, hotline, and disseminated materials; Treasury campaign action under §9707(c) is as the Secretary deems appropriate. These clauses do not themselves specify universal translation into every language. S004(d); S007(c)."},"coordinator_verification_status":"fresh_complete_original515_516_checked_current_and_incorporations_held","coordinator_review":{"at":"2026-10-29T09:33:25.191477+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"fresh_complete_original515_516_checked_current_and_incorporations_held","scope":"Completeoriginal515/516powers/personnelchecked; currentbodiesunreopened/protected failure, travelrates/officehistory and actualfacts held.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R080-P1-C054","area_numbers":[80],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R080-P1-C054","Supported proposition":"Members receive no additional compensation for Commission service beyond compensation for their federal office or employment.","Conditions, limitations, and exact evidence":"This is not a statement that their underlying federal service is unpaid or that travel reimbursement is prohibited. S005(a)."},"coordinator_verification_status":"fresh_complete_original515_516_checked_current_and_incorporations_held","coordinator_review":{"at":"2026-10-29T09:33:25.191477+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"fresh_complete_original515_516_checked_current_and_incorporations_held","scope":"Completeoriginal515/516powers/personnelchecked; currentbodiesunreopened/protected failure, travelrates/officehistory and actualfacts held.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R080-P1-C055","area_numbers":[80],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R080-P1-C055","Supported proposition":"Members are allowed travel expenses, including per diem in lieu of subsistence, at the incorporated Title 5 rates while away from home or regular business place performing Commission services.","Conditions, limitations, and exact evidence":"Exact rates and the full Title 5 conditions are unexamined. S005(b), incorporating 5 U.S.C. ch.57, subch.I."},"coordinator_verification_status":"fresh_complete_original515_516_checked_current_and_incorporations_held","coordinator_review":{"at":"2026-10-29T09:33:25.191477+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"fresh_complete_original515_516_checked_current_and_incorporations_held","scope":"Completeoriginal515/516powers/personnelchecked; currentbodiesunreopened/protected failure, travelrates/officehistory and actualfacts held.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R080-P1-C056","area_numbers":[80],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R080-P1-C056","Supported proposition":"The Treasury Office of Financial Education director must assist the Commission on its request, without reimbursement.","Conditions, limitations, and exact evidence":"This reports the statutory office wording, not a verified contemporary organization chart or a transfer to a differently named office. S005(c)(1)."},"coordinator_verification_status":"fresh_complete_original515_516_checked_current_and_incorporations_held","coordinator_review":{"at":"2026-10-29T09:33:25.191477+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"fresh_complete_original515_516_checked_current_and_incorporations_held","scope":"Completeoriginal515/516powers/personnelchecked; currentbodiesunreopened/protected failure, travelrates/officehistory and actualfacts held.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R080-P1-C057","area_numbers":[80],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R080-P1-C057","Supported proposition":"A federal employee may be detailed without reimbursement and without interruption or loss of civil-service status or privilege.","Conditions, limitations, and exact evidence":"Permission does not establish any actual detail, staffing level, expenditure, or personnel decision. S005(c)(2)."},"coordinator_verification_status":"fresh_complete_original515_516_checked_current_and_incorporations_held","coordinator_review":{"at":"2026-10-29T09:33:25.191477+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"fresh_complete_original515_516_checked_current_and_incorporations_held","scope":"Completeoriginal515/516powers/personnelchecked; currentbodiesunreopened/protected failure, travelrates/officehistory and actualfacts held.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R080-P1-C024","area_numbers":[80],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R080-P1-C024","Supported proposition":"Required areas of emphasis include household budgeting, saving, and strategic investment decisions for education, retirement, homeownership, wealth building, and other savings goals.","Conditions, limitations, and exact evidence":"These are educational subjects, not prescribed allocations or findings that a particular investment is suitable. S003(a)(2), (A)."},"coordinator_verification_status":"fresh_complete_original514_duty_topic_strategy_report_text_checked_currentbody_failed","coordinator_review":{"at":"2026-10-29T09:33:25.191477+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"fresh_complete_original514_duty_topic_strategy_report_text_checked_currentbody_failed","scope":"Originalsubject/website/link/hotline/material/coordination/strategy/report/testimonytext checked;2018addition separately. CurrentCodefailed; no actualimplementation/entitlement/efficacy inference.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R080-P1-C025","area_numbers":[80],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R080-P1-C025","Supported proposition":"Spending, credit, and debt management—including credit-card debt—are express educational subjects.","Conditions, limitations, and exact evidence":"The duty belongs to the Commission’s education framework; it does not validate a debt or prescribe repayment, settlement, or nonpayment. S003(a)(2)(B)."},"coordinator_verification_status":"fresh_complete_original514_duty_topic_strategy_report_text_checked_currentbody_failed","coordinator_review":{"at":"2026-10-29T09:33:25.191477+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"fresh_complete_original514_duty_topic_strategy_report_text_checked_currentbody_failed","scope":"Originalsubject/website/link/hotline/material/coordination/strategy/report/testimonytext checked;2018addition separately. CurrentCodefailed; no actualimplementation/entitlement/efficacy inference.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R080-P1-C026","area_numbers":[80],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R080-P1-C026","Supported proposition":"Credit reports, credit scores, accuracy and correction awareness, effects on credit terms, financial decisions’ effects on scores, and fair/favorable credit terms are included.","Conditions, limitations, and exact evidence":"This subject list does not replace the separate legal predicates for disclosure, disputes, correction, underwriting, or remedies. S003(a)(2)(C)–(D); C006."},"coordinator_verification_status":"fresh_complete_original514_duty_topic_strategy_report_text_checked_currentbody_failed","coordinator_review":{"at":"2026-10-29T09:33:25.191477+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"fresh_complete_original514_duty_topic_strategy_report_text_checked_currentbody_failed","scope":"Originalsubject/website/link/hotline/material/coordination/strategy/report/testimonytext checked;2018addition separately. CurrentCodefailed; no actualimplementation/entitlement/efficacy inference.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R080-P1-C027","area_numbers":[80],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R080-P1-C027","Supported proposition":"Education is to address avoiding abusive, predatory, or deceptive credit offers/products and understanding, evaluating, and comparing financial offerings.","Conditions, limitations, and exact evidence":"No actual offer is classified, and no private product or provider is endorsed. S003(a)(2)(E)–(F)."},"coordinator_verification_status":"fresh_complete_original514_duty_topic_strategy_report_text_checked_currentbody_failed","coordinator_review":{"at":"2026-10-29T09:33:25.191477+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"fresh_complete_original514_duty_topic_strategy_report_text_checked_currentbody_failed","scope":"Originalsubject/website/link/hotline/material/coordination/strategy/report/testimonytext checked;2018addition separately. CurrentCodefailed; no actualimplementation/entitlement/efficacy inference.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R080-P1-C028","area_numbers":[80],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R080-P1-C028","Supported proposition":"The investor-resource subject concerns resources that ought to be accessible and affordable and explain rights and recourse concerning unprofessional intermediary conduct.","Conditions, limitations, and exact evidence":"The clause’s “ought” language and educational role are preserved. It does not establish free representation, an actual violation, or a successful remedy. S003(a)(2)(G)."},"coordinator_verification_status":"fresh_complete_original514_duty_topic_strategy_report_text_checked_currentbody_failed","coordinator_review":{"at":"2026-10-29T09:33:25.191477+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"fresh_complete_original514_duty_topic_strategy_report_text_checked_currentbody_failed","scope":"Originalsubject/website/link/hotline/material/coordination/strategy/report/testimonytext checked;2018addition separately. CurrentCodefailed; no actualimplementation/entitlement/efficacy inference.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R080-P1-C029","area_numbers":[80],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R080-P1-C029","Supported proposition":"The subject list includes particular needs and transactions of consumers targeted by multilingual education, with remittances as an example, and improved multilingual materials.","Conditions, limitations, and exact evidence":"An illustrative transaction does not establish a real transaction, targeted population, or universal language-access entitlement. S003(a)(2)(H); C053."},"coordinator_verification_status":"fresh_complete_original514_duty_topic_strategy_report_text_checked_currentbody_failed","coordinator_review":{"at":"2026-10-29T09:33:25.191477+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"fresh_complete_original514_duty_topic_strategy_report_text_checked_currentbody_failed","scope":"Originalsubject/website/link/hotline/material/coordination/strategy/report/testimonytext checked;2018addition separately. CurrentCodefailed; no actualimplementation/entitlement/efficacy inference.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R080-P1-C030","area_numbers":[80],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R080-P1-C030","Supported proposition":"Bringing individuals lacking basic banking services into mainstream financial services through opening and maintaining an account is an educational/promotion subject.","Conditions, limitations, and exact evidence":"It is not an account recommendation, approval, eligibility finding, or finding that a specific institution is appropriate. S003(a)(2)(I); C008."},"coordinator_verification_status":"fresh_complete_original514_duty_topic_strategy_report_text_checked_currentbody_failed","coordinator_review":{"at":"2026-10-29T09:33:25.191477+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"fresh_complete_original514_duty_topic_strategy_report_text_checked_currentbody_failed","scope":"Originalsubject/website/link/hotline/material/coordination/strategy/report/testimonytext checked;2018addition separately. CurrentCodefailed; no actualimplementation/entitlement/efficacy inference.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R080-P1-C031","area_numbers":[80],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R080-P1-C031","Supported proposition":"The statute describes improved financial choices and outcomes as the primary program goal, beyond knowledge alone.","Conditions, limitations, and exact evidence":"A legislated goal is not measured proof of causal effectiveness, adherence, debt reduction, or psychological improvement. S003(a)(2)(J). \nuscode.house.gov"},"coordinator_verification_status":"fresh_complete_original514_duty_topic_strategy_report_text_checked_currentbody_failed","coordinator_review":{"at":"2026-10-29T09:33:25.191477+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"fresh_complete_original514_duty_topic_strategy_report_text_checked_currentbody_failed","scope":"Originalsubject/website/link/hotline/material/coordination/strategy/report/testimonytext checked;2018addition separately. CurrentCodefailed; no actualimplementation/entitlement/efficacy inference.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R080-P1-C032","area_numbers":[80],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R080-P1-C032","Supported proposition":"The Commission must establish higher-education best practices after public comments and consultation/input from relevant parties, including diverse higher-education institutions.","Conditions, limitations, and exact evidence":"Deadline: no later than one year after May 24, 2018. Subject: literacy teaching and useful/necessary information for student-borrowing decisions. No actual consultation or completion established. S003(a)(3)(A); S011 §603."},"coordinator_verification_status":"fresh_complete2018_amendment_checked_current9703_failed","coordinator_review":{"at":"2026-10-29T09:33:25.191477+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"fresh_complete2018_amendment_checked_current9703_failed","scope":"Complete603A–Dandapprovaldate checked, including comments/consultation/deadline/content/maintenance/nonmandatoryadoption; currentCodefailed, implementation/history held.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R080-P1-C033","area_numbers":[80],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R080-P1-C033","Supported proposition":"Those best practices must address clear understanding of total borrowing, monthly payments and repayment options; engagement including communication frequency/timing; different student populations; and communicating graduation’s importance for repayment.","Conditions, limitations, and exact evidence":"Part-time, first-time, and other nontraditional students are expressly included. No payment amount, communication schedule, graduation effect size, or individual repayment forecast is specified. S003(a)(3)(B)(i)–(iv)."},"coordinator_verification_status":"fresh_complete2018_amendment_checked_current9703_failed","coordinator_review":{"at":"2026-10-29T09:33:25.191477+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"fresh_complete2018_amendment_checked_current9703_failed","scope":"Complete603A–Dandapprovaldate checked, including comments/consultation/deadline/content/maintenance/nonmandatoryadoption; currentCodefailed, implementation/history held.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R080-P1-C034","area_numbers":[80],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R080-P1-C034","Supported proposition":"The Commission must maintain, periodically update, and make the best-practices information public.","Conditions, limitations, and exact evidence":"“Periodically” supplies no numerical update interval. Actual maintenance/publication is not audited. S003(a)(3)(C)."},"coordinator_verification_status":"fresh_complete2018_amendment_checked_current9703_failed","coordinator_review":{"at":"2026-10-29T09:33:25.191477+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"fresh_complete2018_amendment_checked_current9703_failed","scope":"Complete603A–Dandapprovaldate checked, including comments/consultation/deadline/content/maintenance/nonmandatoryadoption; currentCodefailed, implementation/history held.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R080-P1-C035","area_numbers":[80],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R080-P1-C035","Supported proposition":"The paragraph does not require a higher-education institution to adopt the best practices.","Conditions, limitations, and exact evidence":"This express construction rule limits what can be inferred from the Commission’s mandatory development duties; it does not resolve other institutions’ duties under other law. S003(a)(3)(D); S011 §603."},"coordinator_verification_status":"fresh_complete2018_amendment_checked_current9703_failed","coordinator_review":{"at":"2026-10-29T09:33:25.191477+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"fresh_complete2018_amendment_checked_current9703_failed","scope":"Complete603A–Dandapprovaldate checked, including comments/consultation/deadline/content/maintenance/nonmandatoryadoption; currentCodefailed, implementation/history held.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R080-P1-C036","area_numbers":[80],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R080-P1-C036","Supported proposition":"The Commission must establish and maintain a website serving as a federal clearinghouse and coordinated entry point, including information about federal education grants and how to seek an appropriate grant.","Conditions, limitations, and exact evidence":"The suggested domain is illustrative, followed by “or a similar domain name.” The grant-information function is not itself an award, application approval, or comprehensive grant-eligibility rule. Other public information may be included as appropriate to the purpose. S003(b)(1), (b)(2)(A)–(C), (E)."},"coordinator_verification_status":"fresh_complete_original514_duty_topic_strategy_report_text_checked_currentbody_failed","coordinator_review":{"at":"2026-10-29T09:33:25.191477+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"fresh_complete_original514_duty_topic_strategy_report_text_checked_currentbody_failed","scope":"Originalsubject/website/link/hotline/material/coordination/strategy/report/testimonytext checked;2018addition separately. CurrentCodefailed; no actualimplementation/entitlement/efficacy inference.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R080-P1-C037","area_numbers":[80],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R080-P1-C037","Supported proposition":"Links under §9703(b)(2)(D) concern efforts with no commercial content and information about financial-literacy/education programs, materials, or campaigns, as the Commission considers appropriate.","Conditions, limitations, and exact evidence":"Both content conditions and discretion matter. This is not a blanket finding about every site link, all federal information, or product endorsement. S003(b)(2)(D)."},"coordinator_verification_status":"fresh_complete_original514_duty_topic_strategy_report_text_checked_currentbody_failed","coordinator_review":{"at":"2026-10-29T09:33:25.191477+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"fresh_complete_original514_duty_topic_strategy_report_text_checked_currentbody_failed","scope":"Originalsubject/website/link/hotline/material/coordination/strategy/report/testimonytext checked;2018addition separately. CurrentCodefailed; no actualimplementation/entitlement/efficacy inference.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R080-P1-C038","area_numbers":[80],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R080-P1-C038","Supported proposition":"A toll-free telephone number must be established and made available to the public for financial-literacy/education information.","Conditions, limitations, and exact evidence":"No actual number, service availability, caller eligibility, individualized counseling, or successful response is established. S003(c)."},"coordinator_verification_status":"fresh_complete_original514_duty_topic_strategy_report_text_checked_currentbody_failed","coordinator_review":{"at":"2026-10-29T09:33:25.191477+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"fresh_complete_original514_duty_topic_strategy_report_text_checked_currentbody_failed","scope":"Originalsubject/website/link/hotline/material/coordination/strategy/report/testimonytext checked;2018addition separately. CurrentCodefailed; no actualimplementation/entitlement/efficacy inference.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R080-P1-C039","area_numbers":[80],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R080-P1-C039","Supported proposition":"The Commission must develop financial-literacy/education materials and disseminate them to the general public.","Conditions, limitations, and exact evidence":"A duty to create/disseminate is distinct from the existence, quality, accessibility, or effects of particular materials. S003(d)(1)–(2)."},"coordinator_verification_status":"fresh_complete_original514_duty_topic_strategy_report_text_checked_currentbody_failed","coordinator_review":{"at":"2026-10-29T09:33:25.191477+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"fresh_complete_original514_duty_topic_strategy_report_text_checked_currentbody_failed","scope":"Originalsubject/website/link/hotline/material/coordination/strategy/report/testimonytext checked;2018addition separately. CurrentCodefailed; no actualimplementation/entitlement/efficacy inference.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R080-P1-C040","area_numbers":[80],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R080-P1-C040","Supported proposition":"The Commission must take necessary steps to coordinate and promote State/local efforts, including partnerships across governmental, nonprofit, and private sectors.","Conditions, limitations, and exact evidence":"Coordination is the express function. No State/local program, private relationship, regulatory preemption, or actual partnership is established. S003(e)."},"coordinator_verification_status":"fresh_complete_original514_duty_topic_strategy_report_text_checked_currentbody_failed","coordinator_review":{"at":"2026-10-29T09:33:25.191477+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"fresh_complete_original514_duty_topic_strategy_report_text_checked_currentbody_failed","scope":"Originalsubject/website/link/hotline/material/coordination/strategy/report/testimonytext checked;2018addition separately. CurrentCodefailed; no actualimplementation/entitlement/efficacy inference.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R080-P1-C041","area_numbers":[80],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R080-P1-C041","Supported proposition":"The Commission must develop a national strategy no later than eighteen months after December 4, 2003, and coordinate federal implementation efforts.","Conditions, limitations, and exact evidence":"The statute supplies the duty and historical anchor, not evidence of performance. S003(f)(1)(A)–(B)."},"coordinator_verification_status":"fresh_complete_original514_duty_topic_strategy_report_text_checked_currentbody_failed","coordinator_review":{"at":"2026-10-29T09:33:25.191477+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"fresh_complete_original514_duty_topic_strategy_report_text_checked_currentbody_failed","scope":"Originalsubject/website/link/hotline/material/coordination/strategy/report/testimonytext checked;2018addition separately. CurrentCodefailed; no actualimplementation/entitlement/efficacy inference.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R080-P1-C042","area_numbers":[80],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R080-P1-C042","Supported proposition":"The strategy must provide for participation, educational methods, review/coordination of federal activities, and identification of overlap/duplication with proposed means of elimination.","Conditions, limitations, and exact evidence":"The participants include State/local governments and private, nonprofit, and public institutions. This does not prove that duplication was eliminated or educational levels increased. S003(f)(2)(A)–(D)."},"coordinator_verification_status":"fresh_complete_original514_duty_topic_strategy_report_text_checked_currentbody_failed","coordinator_review":{"at":"2026-10-29T09:33:25.191477+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"fresh_complete_original514_duty_topic_strategy_report_text_checked_currentbody_failed","scope":"Originalsubject/website/link/hotline/material/coordination/strategy/report/testimonytext checked;2018addition separately. CurrentCodefailed; no actualimplementation/entitlement/efficacy inference.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R080-P1-C043","area_numbers":[80],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R080-P1-C043","Supported proposition":"The strategy must be reviewed at least annually, with changes and recommendations as the Commission deems necessary.","Conditions, limitations, and exact evidence":"Review is mandatory at the specified minimum frequency; a particular change or recommendation is not automatically required. S003(f)(3)."},"coordinator_verification_status":"fresh_complete_original514_duty_topic_strategy_report_text_checked_currentbody_failed","coordinator_review":{"at":"2026-10-29T09:33:25.191477+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"fresh_complete_original514_duty_topic_strategy_report_text_checked_currentbody_failed","scope":"Originalsubject/website/link/hotline/material/coordination/strategy/report/testimonytext checked;2018addition separately. CurrentCodefailed; no actualimplementation/entitlement/efficacy inference.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R080-P1-C044","area_numbers":[80],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R080-P1-C044","Supported proposition":"The Commission must actively consult varied private, nonprofit, and State/local representatives as it determines appropriate.","Conditions, limitations, and exact evidence":"No particular representative, consultation, appointment, or endorsement is established. S003(g)."},"coordinator_verification_status":"fresh_complete_original514_duty_topic_strategy_report_text_checked_currentbody_failed","coordinator_review":{"at":"2026-10-29T09:33:25.191477+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"fresh_complete_original514_duty_topic_strategy_report_text_checked_currentbody_failed","scope":"Originalsubject/website/link/hotline/material/coordination/strategy/report/testimonytext checked;2018addition separately. CurrentCodefailed; no actualimplementation/entitlement/efficacy inference.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R080-P1-C045","area_numbers":[80],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R080-P1-C045","Supported proposition":"A SAFE Strategy progress report is required no later than eighteen months after the Commission’s first meeting, and annually thereafter, to the specified Senate and House committees.","Conditions, limitations, and exact evidence":"The recipients are Senate Banking, Housing, and Urban Affairs and House Financial Services. The first-meeting trigger differs from the enactment trigger in C041. S003(h)(1)."},"coordinator_verification_status":"fresh_complete_original514_duty_topic_strategy_report_text_checked_currentbody_failed","coordinator_review":{"at":"2026-10-29T09:33:25.191477+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"fresh_complete_original514_duty_topic_strategy_report_text_checked_currentbody_failed","scope":"Originalsubject/website/link/hotline/material/coordination/strategy/report/testimonytext checked;2018addition separately. CurrentCodefailed; no actualimplementation/entitlement/efficacy inference.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R080-P1-C046","area_numbers":[80],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R080-P1-C046","Supported proposition":"Required report content includes the strategy, implementation of (a)–(g), success assessment, material availability/utilization/impact, and website/hotline content and use.","Conditions, limitations, and exact evidence":"Required assessment subjects are not assessment findings. S003(h)(2)(A)–(E)."},"coordinator_verification_status":"fresh_complete_original514_duty_topic_strategy_report_text_checked_currentbody_failed","coordinator_review":{"at":"2026-10-29T09:33:25.191477+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"fresh_complete_original514_duty_topic_strategy_report_text_checked_currentbody_failed","scope":"Originalsubject/website/link/hotline/material/coordination/strategy/report/testimonytext checked;2018addition separately. CurrentCodefailed; no actualimplementation/entitlement/efficacy inference.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R080-P1-C047","area_numbers":[80],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R080-P1-C047","Supported proposition":"Further report content includes materials/dissemination/impact data measured through decisionmaking, hearing summaries and witness lists, next-fiscal-year plans, underserved-community activities, and appropriate additional material.","Conditions, limitations, and exact evidence":"No witness list, individual, actual metric, or program result was inspected. S003(h)(2)(F)–(J)."},"coordinator_verification_status":"fresh_complete_original514_duty_topic_strategy_report_text_checked_currentbody_failed","coordinator_review":{"at":"2026-10-29T09:33:25.191477+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"fresh_complete_original514_duty_topic_strategy_report_text_checked_currentbody_failed","scope":"Originalsubject/website/link/hotline/material/coordination/strategy/report/testimonytext checked;2018addition separately. CurrentCodefailed; no actualimplementation/entitlement/efficacy inference.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R080-P1-C048","area_numbers":[80],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R080-P1-C048","Supported proposition":"The initial report must cover all federal programs, materials, and grants seeking to improve literacy and assess their effectiveness.","Conditions, limitations, and exact evidence":"This does not establish that a complete inventory or valid causal evaluation was actually produced. S003(h)(3)."},"coordinator_verification_status":"fresh_complete_original514_duty_topic_strategy_report_text_checked_currentbody_failed","coordinator_review":{"at":"2026-10-29T09:33:25.191477+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"fresh_complete_original514_duty_topic_strategy_report_text_checked_currentbody_failed","scope":"Originalsubject/website/link/hotline/material/coordination/strategy/report/testimonytext checked;2018addition separately. CurrentCodefailed; no actualimplementation/entitlement/efficacy inference.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R080-P1-C049","area_numbers":[80],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R080-P1-C049","Supported proposition":"The Commission must annually provide Chairperson testimony to the specified Senate and House committees.","Conditions, limitations, and exact evidence":"No hearing record, appearance, or compliance history was examined. S003(i)."},"coordinator_verification_status":"fresh_complete_original514_duty_topic_strategy_report_text_checked_currentbody_failed","coordinator_review":{"at":"2026-10-29T09:33:25.191477+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"fresh_complete_original514_duty_topic_strategy_report_text_checked_currentbody_failed","scope":"Originalsubject/website/link/hotline/material/coordination/strategy/report/testimonytext checked;2018addition separately. CurrentCodefailed; no actualimplementation/entitlement/efficacy inference.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R080-P1-C058","area_numbers":[80],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R080-P1-C058","Supported proposition":"The Comptroller General was required to report to Congress on Commission effectiveness no later than three years after December 4, 2003.","Conditions, limitations, and exact evidence":"Historical report duty; no actual report or findings adopted. S006(a)."},"coordinator_verification_status":"fresh_complete_original517_518_selected_duties_checked_currentbodies_failed","coordinator_review":{"at":"2026-10-29T09:33:25.191477+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"fresh_complete_original517_518_selected_duties_checked_currentbodies_failed","scope":"Completeoriginalstudy/campaignrequirements andmeasurementtext checked; currentbodiesfailed. Dutiesnotactualdata/results/funding/recipientselection.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R080-P1-C059","area_numbers":[80],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R080-P1-C059","Supported proposition":"The required consumer-knowledge study covers reports, scores, dispute resolution, improvement methods, viewing counts, purposes for obtaining reports, data collection, obtaining reports, and positive/negative score factors.","Conditions, limitations, and exact evidence":"For purpose percentages, the denominator is consumers obtaining a report, and the numerator concerns each primary purpose. Completeness/accuracy, fraud protection, adverse action, and suspected identity theft are illustrative purposes. No measured values supplied. S006(b)(1)–(2)(A)–(E). \nuscode.house.gov"},"coordinator_verification_status":"fresh_complete_original517_518_selected_duties_checked_currentbodies_failed","coordinator_review":{"at":"2026-10-29T09:33:25.191477+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"fresh_complete_original517_518_selected_duties_checked_currentbodies_failed","scope":"Completeoriginalstudy/campaignrequirements andmeasurementtext checked; currentbodiesfailed. Dutiesnotactualdata/results/funding/recipientselection.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R080-P1-C060","area_numbers":[80],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R080-P1-C060","Supported proposition":"The consumer-knowledge study report was due before the end of the twelve-month period beginning December 4, 2003.","Conditions, limitations, and exact evidence":"Findings/conclusions must be reported, with legislative or administrative recommendations the Comptroller General considers appropriate, including improvement methods. No actual deadline calculation or compliance finding. S006(b)(3)."},"coordinator_verification_status":"fresh_complete_original517_518_selected_duties_checked_currentbodies_failed","coordinator_review":{"at":"2026-10-29T09:33:25.191477+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"fresh_complete_original517_518_selected_duties_checked_currentbodies_failed","scope":"Completeoriginalstudy/campaignrequirements andmeasurementtext checked; currentbodiesfailed. Dutiesnotactualdata/results/funding/recipientselection.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R080-P1-C061","area_numbers":[80],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R080-P1-C061","Supported proposition":"Treasury’s Secretary must develop, implement, and conduct a pilot national public-service multimedia campaign after reviewing Commission recommendations and as part of the national strategy.","Conditions, limitations, and exact evidence":"The predicates and pilot character are retained. No completed campaign or actual recommendation is established. S007(a)."},"coordinator_verification_status":"fresh_complete_original517_518_selected_duties_checked_currentbodies_failed","coordinator_review":{"at":"2026-10-29T09:33:25.191477+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"fresh_complete_original517_518_selected_duties_checked_currentbodies_failed","scope":"Completeoriginalstudy/campaignrequirements andmeasurementtext checked; currentbodiesfailed. Dutiesnotactualdata/results/funding/recipientselection.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R080-P1-C062","area_numbers":[80],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R080-P1-C062","Supported proposition":"After reviewing recommendations, Treasury must select and work with nonprofit organization(s) especially qualified to distribute public-service campaigns and having secured private-sector production funds.","Conditions, limitations, and exact evidence":"Both qualifications are cumulative. This is an authorized institutional relationship, not evidence of an award, contract, funding recipient, or general grant eligibility. S007(b)(1)."},"coordinator_verification_status":"fresh_complete_original517_518_selected_duties_checked_currentbodies_failed","coordinator_review":{"at":"2026-10-29T09:33:25.191477+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"fresh_complete_original517_518_selected_duties_checked_currentbodies_failed","scope":"Completeoriginalstudy/campaignrequirements andmeasurementtext checked; currentbodiesfailed. Dutiesnotactualdata/results/funding/recipientselection.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R080-P1-C063","area_numbers":[80],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R080-P1-C063","Supported proposition":"Campaign development includes the specified consultation, and the campaign must be consistent with the national strategy and promote the hotline and website.","Conditions, limitations, and exact evidence":"The consulted categories are nonprofit, public, or private organizations, especially those qualified by financial-education experience. No actual organization is identified or evaluated. S007(b)(2)–(3)."},"coordinator_verification_status":"fresh_complete_original517_518_selected_duties_checked_currentbodies_failed","coordinator_review":{"at":"2026-10-29T09:33:25.191477+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"fresh_complete_original517_518_selected_duties_checked_currentbodies_failed","scope":"Completeoriginalstudy/campaignrequirements andmeasurementtext checked; currentbodiesfailed. Dutiesnotactualdata/results/funding/recipientselection.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R080-P1-C064","area_numbers":[80],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R080-P1-C064","Supported proposition":"Treasury must develop measures evaluating campaign effectiveness by improved individual financial decisionmaking.","Conditions, limitations, and exact evidence":"The measure-development duty supplies neither data nor a validated effect estimate. S007(d)."},"coordinator_verification_status":"fresh_complete_original517_518_selected_duties_checked_currentbodies_failed","coordinator_review":{"at":"2026-10-29T09:33:25.191477+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"fresh_complete_original517_518_selected_duties_checked_currentbodies_failed","scope":"Completeoriginalstudy/campaignrequirements andmeasurementtext checked; currentbodiesfailed. Dutiesnotactualdata/results/funding/recipientselection.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R080-P1-C065","area_numbers":[80],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R080-P1-C065","Supported proposition":"The campaign-report clause is conditioned on fiscal years with appropriations pursuant to the authorization referred to in the text; it contains an original self-reference to subsection (e).","Conditions, limitations, and exact evidence":"Original §518(e) and current §9707(e) agree. The Code editorial footnote suggests (f), but is not an enacted correction. Reports go to the Senate Banking and Appropriations committees and House Financial Services and Appropriations committees. Precise legal resolution of the defective reference remains open. S007(e), footnote; S009 §518(e)."},"coordinator_verification_status":"fresh_original518_selfreference_ceiling_and519_authorization_checked_current_failed","coordinator_review":{"at":"2026-10-29T09:33:25.191477+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"fresh_original518_selfreference_ceiling_and519_authorization_checked_current_failed","scope":"Originalenacted518e selfreference,exactfiscalyearcapwording and519sumsnecessaryconfirmed. CurrentCode/footnotefailed; legalreferenceeffect/actualappropriations unresolved.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R080-P1-C066","area_numbers":[80],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R080-P1-C066","Supported proposition":"Section 9707(f) authorizes appropriation to Treasury “not to exceed $3,000,000 for fiscal years 2004, 2005, and 2006” for campaign development, production, and distribution.","Conditions, limitations, and exact evidence":"The exact year/ceiling wording is preserved. The text is not rewritten as a recurring present appropriation or as a separate amount “for each” year; no multiplied total or actual spending is supplied. S007(f); S009 §518(f)."},"coordinator_verification_status":"fresh_original518_selfreference_ceiling_and519_authorization_checked_current_failed","coordinator_review":{"at":"2026-10-29T09:33:25.191477+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"fresh_original518_selfreference_ceiling_and519_authorization_checked_current_failed","scope":"Originalenacted518e selfreference,exactfiscalyearcapwording and519sumsnecessaryconfirmed. CurrentCode/footnotefailed; legalreferenceeffect/actualappropriations unresolved.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R080-P1-C067","area_numbers":[80],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R080-P1-C067","Supported proposition":"Section 9708 authorizes such sums as necessary for Commission functions, including administration.","Conditions, limitations, and exact evidence":"Authorization is not evidence that an appropriation was enacted or money was available, obligated, spent, or paid to anyone. S008; S009 §519."},"coordinator_verification_status":"fresh_original518_selfreference_ceiling_and519_authorization_checked_current_failed","coordinator_review":{"at":"2026-10-29T09:33:25.191477+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"fresh_original518_selfreference_ceiling_and519_authorization_checked_current_failed","scope":"Originalenacted518e selfreference,exactfiscalyearcapwording and519sumsnecessaryconfirmed. CurrentCode/footnotefailed; legalreferenceeffect/actualappropriations unresolved.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R080-P1-C068","area_numbers":[80],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R080-P1-C068","Supported proposition":"The selected sections discuss federal programs/grants, public grant information, campaign relationships, personnel support, and appropriation authorizations, but do not supply a complete independent grant-award, procurement, conflict-of-interest, liability, or private-enforcement code.","Conditions, limitations, and exact evidence":"Textual limit. Existing powers of member agencies and applicable external law are not erased. No general immunity, exemption, private cause of action, or unrestricted rulemaking power is inferred. S003(a)(1), (b); S004; S005; S007–S008."},"coordinator_verification_status":"scoped_textual_and_inference_boundary_checked_not_universal_absence","coordinator_review":{"at":"2026-10-29T09:33:25.191477+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"scoped_textual_and_inference_boundary_checked_not_universal_absence","scope":"Selectedoriginaland2018statutoryfunctions support bounded distinction from completeenforcement/entitlement/advice/quality/clinicalorbehavioralefficacycode. No all-lawabsence/actualapplication/parentacceptance.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R080-P1-C069","area_numbers":[80],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R080-P1-C069","Supported proposition":"The selected law contains particular clarity, access, noncommercial-content, targeting, and duplication provisions, but no universal reading-grade score or blanket material-quality certification.","Conditions, limitations, and exact evidence":"Relevant standards are clause-specific: useful/necessary student information and clarity in (a)(3); investor-resource wording in (a)(2)(G); noncommercial links in (b)(2)(D); duplication in (f)(2)(D). Broader accessibility/language law remains separate. S003."},"coordinator_verification_status":"scoped_textual_and_inference_boundary_checked_not_universal_absence","coordinator_review":{"at":"2026-10-29T09:33:25.191477+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"scoped_textual_and_inference_boundary_checked_not_universal_absence","scope":"Selectedoriginaland2018statutoryfunctions support bounded distinction from completeenforcement/entitlement/advice/quality/clinicalorbehavioralefficacycode. No all-lawabsence/actualapplication/parentacceptance.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R080-P1-C070","area_numbers":[80],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R080-P1-C070","Supported proposition":"The selected MyMoney.gov introduction is an official program explanation, not an amendment or evidence that all statutory duties were performed.","Conditions, limitations, and exact evidence":"It describes the site as a Commission product and uses financial-capability language. Publication date is not established. Its composition estimate and member links were not used to verify a roster or calculate a quorum. S019, introductory paragraphs."},"coordinator_verification_status":"material_original_current_definition_history_or_explanation_unreopened_held","coordinator_review":{"at":"2026-10-29T09:33:25.191477+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"material_original_current_definition_history_or_explanation_unreopened_held","scope":"Some selected context freshly checked; material original currentbody/definition/crossreference/history/programdescription not freshly completed. No entireclaim/currentness/application acceptance.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R080-P1-C071","area_numbers":[80],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R080-P1-C071","Supported proposition":"Education, information dissemination, and interagency coordination in these sections do not themselves establish a professional-advice or counseling licensing regime.","Conditions, limitations, and exact evidence":"Textual limit. No conclusion is made about whether separate law authorizes, regulates, or restricts particular counseling or advice. S003–S004; S007."},"coordinator_verification_status":"scoped_textual_and_inference_boundary_checked_not_universal_absence","coordinator_review":{"at":"2026-10-29T09:33:25.191477+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"scoped_textual_and_inference_boundary_checked_not_universal_absence","scope":"Selectedoriginaland2018statutoryfunctions support bounded distinction from completeenforcement/entitlement/advice/quality/clinicalorbehavioralefficacycode. No all-lawabsence/actualapplication/parentacceptance.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R080-P1-C072","area_numbers":[80],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R080-P1-C072","Supported proposition":"These institutional duties do not, by themselves, establish an individual’s debt relief, financial assistance, grant award, account access, correction remedy, or favorable financial outcome.","Conditions, limitations, and exact evidence":"No express individual debt-release mechanism appears in the selected bodies. Broader enforceability and rights under other laws are not decided. S001–S008, especially S003(a), (b), S007–S008."},"coordinator_verification_status":"scoped_textual_and_inference_boundary_checked_not_universal_absence","coordinator_review":{"at":"2026-10-29T09:33:25.191477+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"scoped_textual_and_inference_boundary_checked_not_universal_absence","scope":"Selectedoriginaland2018statutoryfunctions support bounded distinction from completeenforcement/entitlement/advice/quality/clinicalorbehavioralefficacycode. No all-lawabsence/actualapplication/parentacceptance.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R080-P1-C073","area_numbers":[80],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R080-P1-C073","Supported proposition":"Statutory goals, mandated assessments, and performance-measure requirements do not supply causal behavioral, clinical, psychometric, or educational-efficacy findings.","Conditions, limitations, and exact evidence":"Missing empirical evidence must remain missing. No inference about shame, avoidance, fatigue, optimism, anchoring, conflict, motivation, completion, capacity, or suitability follows. S003(a)(2)(J), (h); S006; S007(d)."},"coordinator_verification_status":"scoped_textual_and_inference_boundary_checked_not_universal_absence","coordinator_review":{"at":"2026-10-29T09:33:25.191477+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"scoped_textual_and_inference_boundary_checked_not_universal_absence","scope":"Selectedoriginaland2018statutoryfunctions support bounded distinction from completeenforcement/entitlement/advice/quality/clinicalorbehavioralefficacycode. No all-lawabsence/actualapplication/parentacceptance.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"R080-P1-C074","area_numbers":[80],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R080-P1-C074","Supported proposition":"External incorporations and institutional wording remain bounded where their full downstream regimes or later histories were not examined.","Conditions, limitations, and exact evidence":"Specifically: broader FCRA classifications/rights; actual travel rates; later Treasury-office organization; actual Title III transfer-date designation; post-compilation law; separate executive-council histories. The exact next inquiries are listed below; no missing authority is filled by a generic label. S005(b)–(c); S009 §2; S010; S012–S014; source limits."},"coordinator_verification_status":"material_original_current_definition_history_or_explanation_unreopened_held","coordinator_review":{"at":"2026-10-29T09:33:25.191477+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"material_original_current_definition_history_or_explanation_unreopened_held","scope":"Some selected context freshly checked; material original currentbody/definition/crossreference/history/programdescription not freshly completed. No entireclaim/currentness/application acceptance.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}}],"sources":[{"source_id":"R080-P1-S001 — Congress/OLRC, 20 U.S.C. §9701, Definitions","urls":["https://uscode.house.gov/us/usc/119-134/t20/s9701/","https://uscode.house.gov/us/usc/119-134/t20/s9701/?utm_source=chatgpt.com"],"researcher_record":{"Source ID; issuer/title":"R080-P1-S001 — Congress/OLRC, 20 U.S.C. §9701, Definitions","Complete literal HTTPS URL":"https://uscode.house.gov/us/usc/119-134/t20/s9701/","Exact read extent":"Complete statutory body, paragraphs (1)–(2); source credit; effective-date and short-title notes. Appended executive-document material was screened for relevant references, but not authenticated as a complete current executive-order regime.","Version, legal status, commencement, access, and limits":"V; A. Official current Code presentation of enacted law. Original §512 of P.L. 108-159. Effective-date incorporation traced through S009 and S015–S018. Separate presidential advisory-council provisions and their later histories are not adopted as current definitions for this pass. \nuscode.house.gov"},"coordinator_verification_status":"fresh_complete9701_statutory_body_notes_checked","coordinator_canonical_source_id":"R080-P1-S001","coordinator_review":{"at":"2026-10-29T09:33:25.191477+00:00","identity":"delegated coordinator /root/review_wv1; not independent","source_check":"[internal evidence reference]","disposition":"fresh_complete9701_statutory_body_notes_checked","scope":"Complete selected definitions/source/effective/shorttitle notes checked; appended executive regime/history/roster not accepted.","selected_evidence_keys":["9701_complete_statutory_definitions_source_effective_shorttitle_notes"],"all_original_limits_retained":true,"stored_ID_cell_unchanged":true}},{"source_id":"R080-P1-S002 — Congress/OLRC, §9702, Establishment of Financial Literacy and Education Commission","urls":["https://uscode.house.gov/us/usc/119-134/t20/s9702/","https://uscode.house.gov/us/usc/119-134/t20/s9702/?utm_source=chatgpt.com"],"researcher_record":{"Source ID; issuer/title":"R080-P1-S002 — Congress/OLRC, §9702, Establishment of Financial Literacy and Education Commission","Complete literal HTTPS URL":"https://uscode.house.gov/us/usc/119-134/t20/s9702/","Exact read extent":"Complete (a)–(g), including every membership category, alternates, leadership, meetings, quorum, initial meeting; source, amendment, and effective-date notes.","Version, legal status, commencement, access, and limits":"V; A. Original §513; current body includes the 2010 amendment adding the Bureau director and vice-chair role. Enacted amendment and its applicable commencement clause independently read in S010. No roster or actual appointment verification. \nuscode.house.gov"},"coordinator_verification_status":"fresh_current_code_access_failed_original_act_and2010_amendment_only","coordinator_canonical_source_id":"R080-P1-S002","coordinator_review":{"at":"2026-10-29T09:33:25.191477+00:00","identity":"delegated coordinator /root/review_wv1; not independent","source_check":"[internal evidence reference]","disposition":"fresh_current_code_access_failed_original_act_and2010_amendment_only","scope":"Current directbody failed once; complete original513 and2010membership/vicechair/enactment amendments checked, not current certification.","selected_evidence_keys":["FACT_TitleV_shorttitle_definitions_original_composition","2010_1013d5_d6_membership_and_vicechair_complete","2010_1018_subtitle_enactment_trigger_complete"],"all_original_limits_retained":true,"stored_ID_cell_unchanged":true}},{"source_id":"R080-P1-S003 — Congress/OLRC, §9703, Duties of the Commission","urls":["https://uscode.house.gov/us/usc/119-134/t20/s9703/","https://uscode.house.gov/us/usc/119-134/t20/s9703/?utm_source=chatgpt.com"],"researcher_record":{"Source ID; issuer/title":"R080-P1-S003 — Congress/OLRC, §9703, Duties of the Commission","Complete literal HTTPS URL":"https://uscode.house.gov/us/usc/119-134/t20/s9703/","Exact read extent":"Complete (a)–(i), including (a)(2)(A)–(J), all of (a)(3)(A)–(D), website clauses, strategy, consultation, all report contents, and testimony; source, amendment, effective-date, and definitions notes.","Version, legal status, commencement, access, and limits":"V; A. Original §514, with 2018 higher-education amendment. S011 supplies the actual amendatory body. Duties and deadlines are not findings of completion, accessibility compliance, material quality, or efficacy. \nuscode.house.gov"},"coordinator_verification_status":"fresh_current_code_access_failed_original_and2018amendment_only","coordinator_canonical_source_id":"R080-P1-S003","coordinator_review":{"at":"2026-10-29T09:33:25.191477+00:00","identity":"delegated coordinator /root/review_wv1; not independent","source_check":"[internal evidence reference]","disposition":"fresh_current_code_access_failed_original_and2018amendment_only","scope":"Current directbody failed once; complete original514 and2018addition checked; exhaustive later/current version not certified.","selected_evidence_keys":["FACT_complete514_duties_a_to_f_start","FACT_complete514_duties_f_tail_to_i_and515_start","2018_complete603_bestpractices_and_approval"],"all_original_limits_retained":true,"stored_ID_cell_unchanged":true}},{"source_id":"R080-P1-S004 — Congress/OLRC, §9704, Powers of the Commission","urls":["https://uscode.house.gov/us/usc/119-134/t20/s9704/","https://uscode.house.gov/us/usc/119-134/t20/s9704/?utm_source=chatgpt.com"],"researcher_record":{"Source ID; issuer/title":"R080-P1-S004 — Congress/OLRC, §9704, Powers of the Commission","Complete literal HTTPS URL":"https://uscode.house.gov/us/usc/119-134/t20/s9704/","Exact read extent":"Complete (a)(1)–(2), (b), (c), and (d), including listed hearing-participant categories and conditions on federal information requests; source and effective-date note.","Version, legal status, commencement, access, and limits":"V; A. Original §515. Initial access failures were followed by a successful ordinary official-section opening. No hearing, witness, information request, or actual study inspected. \nuscode.house.gov"},"coordinator_verification_status":"protected_original_failed_route_unreopened_historical515_checked","coordinator_canonical_source_id":"R080-P1-S004","coordinator_review":{"at":"2026-10-29T09:33:25.191477+00:00","identity":"delegated coordinator /root/review_wv1; not independent","source_check":"[internal evidence reference]","disposition":"protected_original_failed_route_unreopened_historical515_checked","scope":"No failed9704route repeated; complete original515 historical text checked, currentbody remains original attribution.","selected_evidence_keys":["FACT_complete514_duties_f_tail_to_i_and515_start","FACT_complete515_tail516_517_518_start"],"all_original_limits_retained":true,"stored_ID_cell_unchanged":true}},{"source_id":"R080-P1-S005 — Congress/OLRC, §9705, Commission personnel matters","urls":["https://uscode.house.gov/us/usc/119-134/t20/s9705/","https://uscode.house.gov/us/usc/119-134/t20/s9705/?utm_source=chatgpt.com"],"researcher_record":{"Source ID; issuer/title":"R080-P1-S005 — Congress/OLRC, §9705, Commission personnel matters","Complete literal HTTPS URL":"https://uscode.house.gov/us/usc/119-134/t20/s9705/","Exact read extent":"Complete (a), (b), and (c)(1)–(2); source and effective-date note.","Version, legal status, commencement, access, and limits":"V; A. Original §516. Travel-rate incorporation is preserved, but the separate Title 5 travel regime and current rates are not supplied. The statutory Treasury office wording is reported without an organizational or personnel audit. \nuscode.house.gov"},"coordinator_verification_status":"current_body_unreopened_historical516_checked","coordinator_canonical_source_id":"R080-P1-S005","coordinator_review":{"at":"2026-10-29T09:33:25.191477+00:00","identity":"delegated coordinator /root/review_wv1; not independent","source_check":"[internal evidence reference]","disposition":"current_body_unreopened_historical516_checked","scope":"Complete original516 checked, title5rates/currentorganization/downstream/currentbody not accepted.","selected_evidence_keys":["FACT_complete515_tail516_517_518_start"],"all_original_limits_retained":true,"stored_ID_cell_unchanged":true}},{"source_id":"R080-P1-S006 — Congress/OLRC, §9706, Studies by the Comptroller General","urls":["https://uscode.house.gov/us/usc/119-134/t20/s9706/","https://uscode.house.gov/us/usc/119-134/t20/s9706/?utm_source=chatgpt.com"],"researcher_record":{"Source ID; issuer/title":"R080-P1-S006 — Congress/OLRC, §9706, Studies by the Comptroller General","Complete literal HTTPS URL":"https://uscode.house.gov/us/usc/119-134/t20/s9706/","Exact read extent":"Complete (a), (b)(1), (b)(2)(A)–(E), and (b)(3); source, effective-date, and definitions notes.","Version, legal status, commencement, access, and limits":"V; A. Original §517. Actual reports, data, study findings, and compliance with historical deadlines were not investigated. The Act-level definition incorporation was read in S009. \nuscode.house.gov"},"coordinator_verification_status":"fresh_current_code_access_failed_original517_checked","coordinator_canonical_source_id":"R080-P1-S006","coordinator_review":{"at":"2026-10-29T09:33:25.191477+00:00","identity":"delegated coordinator /root/review_wv1; not independent","source_check":"[internal evidence reference]","disposition":"fresh_current_code_access_failed_original517_checked","scope":"Currentbody failed once; complete original517studyquestions/denominator/timing checked; no actualstudy.","selected_evidence_keys":["FACT_complete515_tail516_517_518_start"],"all_original_limits_retained":true,"stored_ID_cell_unchanged":true}},{"source_id":"R080-P1-S007 — Congress/OLRC, §9707, The national public service multimedia campaign to enhance the state of financial literacy","urls":["https://uscode.house.gov/us/usc/119-134/t20/s9707/","https://uscode.house.gov/us/usc/119-134/t20/s9707/?utm_source=chatgpt.com"],"researcher_record":{"Source ID; issuer/title":"R080-P1-S007 — Congress/OLRC, §9707, The national public service multimedia campaign to enhance the state of financial literacy","Complete literal HTTPS URL":"https://uscode.house.gov/us/usc/119-134/t20/s9707/","Exact read extent":"Complete (a)–(f), including every program requirement, multilingual discretion, measures, reporting trigger, funding language, effective-date note, and editorial footnote to (e).","Version, legal status, commencement, access, and limits":"V; A. Original §518. Historical fiscal-year authorization remains displayed in the current Code. The original self-reference in (e) was verified in S009. No silent correction, appropriation finding, or campaign evaluation. \nuscode.house.gov"},"coordinator_verification_status":"fresh_current_code_access_failed_original518_checked","coordinator_canonical_source_id":"R080-P1-S007","coordinator_review":{"at":"2026-10-29T09:33:25.191477+00:00","identity":"delegated coordinator /root/review_wv1; not independent","source_check":"[internal evidence reference]","disposition":"fresh_current_code_access_failed_original518_checked","scope":"Distinct supplied versionedbody failed once; original518including(e)selfreference and(f)ceiling checked; currentfootnote/legaldefect/appropriations held.","selected_evidence_keys":["FACT_complete515_tail516_517_518_start","FACT_complete518_tail519_authorization"],"all_original_limits_retained":true,"stored_ID_cell_unchanged":true}},{"source_id":"R080-P1-S008 — Congress/OLRC, §9708, Authorization of appropriations","urls":["https://uscode.house.gov/us/usc/119-134/t20/s9708/","https://uscode.house.gov/us/usc/119-134/t20/s9708/?utm_source=chatgpt.com"],"researcher_record":{"Source ID; issuer/title":"R080-P1-S008 — Congress/OLRC, §9708, Authorization of appropriations","Complete literal HTTPS URL":"https://uscode.house.gov/us/usc/119-134/t20/s9708/","Exact read extent":"Complete unnumbered statutory paragraph, source credit, and effective-date note.","Version, legal status, commencement, access, and limits":"V; A. Original §519. Open-ended authorization wording; no appropriation or spending instrument examined. No conclusion that this is the chapter’s last section. \nuscode.house.gov"},"coordinator_verification_status":"fresh_current_code_access_failed_original519_checked","coordinator_canonical_source_id":"R080-P1-S008","coordinator_review":{"at":"2026-10-29T09:33:25.191477+00:00","identity":"delegated coordinator /root/review_wv1; not independent","source_check":"[internal evidence reference]","disposition":"fresh_current_code_access_failed_original519_checked","scope":"Currentbody failed once; original519authorization checked, no appropriation or actualfunding.","selected_evidence_keys":["FACT_complete518_tail519_authorization"],"all_original_limits_retained":true,"stored_ID_cell_unchanged":true}},{"source_id":"R080-P1-S009 — Congress/GPO, Fair and Accurate Credit Transactions Act of 2003, P.L. 108-159","urls":["https://www.govinfo.gov/content/pkg/PLAW-108publ159/html/PLAW-108publ159.htm","https://www.govinfo.gov/content/pkg/PLAW-108publ159/html/PLAW-108publ159.htm?utm_source=chatgpt.com"],"researcher_record":{"Source ID; issuer/title":"R080-P1-S009 — Congress/GPO, Fair and Accurate Credit Transactions Act of 2003, P.L. 108-159","Complete literal HTTPS URL":"https://www.govinfo.gov/content/pkg/PLAW-108publ159/html/PLAW-108publ159.htm","Exact read extent":"Complete §§2–3; complete Title V, §§511–519. HTML includes printed markers 117 Stat. 1953 and 2003–2010. Original §518(e)–(f) specifically compared with current §9707.","Version/status, dates, access, and limits":"Enacted December 4, 2003; historical enactment establishing the framework, not an unamended current substitute. A. Selected complete clauses/title, not the whole Act. No PDF indices: HTML used. \ngovinfo.gov\n+3"},"coordinator_verification_status":"fresh_complete_selected_FACT_sections2_3_TitleV_historical","coordinator_canonical_source_id":"R080-P1-S009","coordinator_review":{"at":"2026-10-29T09:33:25.191477+00:00","identity":"delegated coordinator /root/review_wv1; not independent","source_check":"[internal evidence reference]","disposition":"fresh_complete_selected_FACT_sections2_3_TitleV_historical","scope":"Whole selected2–3,511–519 historical enactedtext checked; not wholeAct/currentunamendedsubstitute.","selected_evidence_keys":["FACT_enactment_header","FACT_complete_sections2_3","FACT_TitleV_shorttitle_definitions_original_composition","FACT_complete514_duties_a_to_f_start","FACT_complete514_duties_f_tail_to_i_and515_start","FACT_complete515_tail516_517_518_start","FACT_complete518_tail519_authorization"],"all_original_limits_retained":true,"stored_ID_cell_unchanged":true}},{"source_id":"R080-P1-S010 — Congress/GPO, Dodd-Frank Wall Street Reform and Consumer Protection Act, P.L. 111-203","urls":["https://www.govinfo.gov/content/pkg/PLAW-111publ203/html/PLAW-111publ203.htm","https://www.govinfo.gov/content/pkg/PLAW-111publ203/html/PLAW-111publ203.htm?utm_source=chatgpt.com"],"researcher_record":{"Source ID; issuer/title":"R080-P1-S010 — Congress/GPO, Dodd-Frank Wall Street Reform and Consumer Protection Act, P.L. 111-203","Complete literal HTTPS URL":"https://www.govinfo.gov/content/pkg/PLAW-111publ203/html/PLAW-111publ203.htm","Exact read extent":"Enactment header; complete §1013(d)(5)–(6) and §1018; complete §311(a)–(b), §351, §363(1)(C) with amendatory lead-in, and §364(a) as the narrow exception identified by §351. Relevant printed markers include 124 Stat. 1971, 1979, and 1550.","Version/status, dates, access, and limits":"Enacted July 21, 2010. §1018 makes its subtitle effective on enactment. The separate banking-definition amendment uses the Title III transfer-date framework, not §1018. A. No whole-Act read; no actual transfer-date designation or current officeholder inquiry. \ngovinfo.gov\n+5"},"coordinator_verification_status":"fresh_selected2010_membership1013d5d6_and1018_only","coordinator_canonical_source_id":"R080-P1-S010","coordinator_review":{"at":"2026-10-29T09:33:25.191477+00:00","identity":"delegated coordinator /root/review_wv1; not independent","source_check":"[internal evidence reference]","disposition":"fresh_selected2010_membership1013d5d6_and1018_only","scope":"Selected enactment membership/vicechair/commencement checked; allTitleIIIbankagency/transferdateblocks unreopened.","selected_evidence_keys":["2010_enactment_header","2010_1013d5_d6_membership_and_vicechair_complete","2010_1018_subtitle_enactment_trigger_complete"],"all_original_limits_retained":true,"stored_ID_cell_unchanged":true}},{"source_id":"R080-P1-S011 — Congress/GPO, Economic Growth, Regulatory Relief, and Consumer Protection Act, P.L. 115-174","urls":["https://www.govinfo.gov/content/pkg/PLAW-115publ174/html/PLAW-115publ174.htm","https://www.govinfo.gov/content/pkg/PLAW-115publ174/html/PLAW-115publ174.htm?utm_source=chatgpt.com"],"researcher_record":{"Source ID; issuer/title":"R080-P1-S011 — Congress/GPO, Economic Growth, Regulatory Relief, and Consumer Protection Act, P.L. 115-174","Complete literal HTTPS URL":"https://www.govinfo.gov/content/pkg/PLAW-115publ174/html/PLAW-115publ174.htm","Exact read extent":"Enactment header; complete §603, including all added (a)(3)(A)–(D); approval line. Printed 132 Stat. 1367–1368; HTML, not PDF.","Version/status, dates, access, and limits":"Enacted May 24, 2018. The new establishment deadline is anchored to enactment; maintenance/public-availability duties and the nonmandatory-adoption clause are in the actual amendment. A. No whole-Act or completed best-practices-report review. \ngovinfo.gov\n+1"},"coordinator_verification_status":"fresh_complete2018_section603_and_approval_checked","coordinator_canonical_source_id":"R080-P1-S011","coordinator_review":{"at":"2026-10-29T09:33:25.191477+00:00","identity":"delegated coordinator /root/review_wv1; not independent","source_check":"[internal evidence reference]","disposition":"fresh_complete2018_section603_and_approval_checked","scope":"Complete603A–D/approvaldate checked; no actualbestpractices/implementation.","selected_evidence_keys":["2018_enactment_header","2018_complete603_bestpractices_and_approval"],"all_original_limits_retained":true,"stored_ID_cell_unchanged":true}},{"source_id":"R080-P1-S012 — Congress/OLRC, 12 U.S.C. §1813, Definitions","urls":["https://uscode.house.gov/us/usc/119-134/t12/s1813/","https://uscode.house.gov/us/usc/119-134/t12/s1813/?utm_source=chatgpt.com"],"researcher_record":{"Source ID; issuer/title":"R080-P1-S012 — Congress/OLRC, 12 U.S.C. §1813, Definitions","Complete literal HTTPS URL":"https://uscode.house.gov/us/usc/119-134/t12/s1813/","Exact read extent":"Complete (z), “Federal banking agency”; relevant 2010 amendment note, used as a lead and checked against S010.","Version/status, dates, access, and limits":"V; A. Direct incorporation in §9702(c)(1)(B). Other banking definitions and supervisory regimes are not comprehensively analyzed. \nuscode.house.gov\n+1"},"coordinator_verification_status":"original_attribution_unreopened_all_limits_retained","coordinator_canonical_source_id":"R080-P1-S012","coordinator_review":{"at":"2026-10-29T09:33:25.191477+00:00","identity":"delegated coordinator /root/review_wv1; not independent","source_check":"[internal evidence reference]","disposition":"original_attribution_unreopened_all_limits_retained","scope":"No freshsourcebody or statusacceptance; all original version/history/failure/currentness/application limits retained.","selected_evidence_keys":[],"all_original_limits_retained":true,"stored_ID_cell_unchanged":true}},{"source_id":"R080-P1-S013 — Congress/OLRC, 15 U.S.C. §1681a, Definitions; rules of construction","urls":["https://uscode.house.gov/us/usc/119-134/t15/s1681a/","https://uscode.house.gov/us/usc/119-134/t15/s1681a/?utm_source=chatgpt.com"],"researcher_record":{"Source ID; issuer/title":"R080-P1-S013 — Congress/OLRC, 15 U.S.C. §1681a, Definitions; rules of construction","Complete literal HTTPS URL":"https://uscode.house.gov/us/usc/119-134/t15/s1681a/","Exact read extent":"Complete narrow clauses (a)–(d), (f), (r)(5), (s), and (t) were read; relevant cross-reference/editorial material inspected. Reliance here is principally on (c), (s), and (t) and identification of the remaining incorporation boundaries.","Version/status, dates, access, and limits":"V; A. The Act’s §2 incorporates specified FCRA terms. No complete FCRA classification, disclosure, correction, permissible-purpose, sharing, or enforcement analysis. Nested cross-references in the consumer-report definition remain held for actual legal classification. \nuscode.house.gov\n+1"},"coordinator_verification_status":"original_attribution_unreopened_all_limits_retained","coordinator_canonical_source_id":"R080-P1-S013","coordinator_review":{"at":"2026-10-29T09:33:25.191477+00:00","identity":"delegated coordinator /root/review_wv1; not independent","source_check":"[internal evidence reference]","disposition":"original_attribution_unreopened_all_limits_retained","scope":"No freshsourcebody or statusacceptance; all original version/history/failure/currentness/application limits retained.","selected_evidence_keys":[],"all_original_limits_retained":true,"stored_ID_cell_unchanged":true}},{"source_id":"R080-P1-S014 — Congress/OLRC, 12 U.S.C. §461, Reserve requirements","urls":["https://uscode.house.gov/us/usc/119-134/t12/s461/","https://uscode.house.gov/us/usc/119-134/t12/s461/?utm_source=chatgpt.com"],"researcher_record":{"Source ID; issuer/title":"R080-P1-S014 — Congress/OLRC, 12 U.S.C. §461, Reserve requirements","Complete literal HTTPS URL":"https://uscode.house.gov/us/usc/119-134/t12/s461/","Exact read extent":"Complete (b)(1)(C) transaction-account definition and (b)(1)(F) related anti-evasion determination authority, with subsection lead-in.","Version/status, dates, access, and limits":"V; A. Only the definition needed for S013(t) and its narrow qualification are relied on. Reserve ratios, banking operations, and actual account classifications are excluded. \nuscode.house.gov"},"coordinator_verification_status":"original_attribution_unreopened_all_limits_retained","coordinator_canonical_source_id":"R080-P1-S014","coordinator_review":{"at":"2026-10-29T09:33:25.191477+00:00","identity":"delegated coordinator /root/review_wv1; not independent","source_check":"[internal evidence reference]","disposition":"original_attribution_unreopened_all_limits_retained","scope":"No freshsourcebody or statusacceptance; all original version/history/failure/currentness/application limits retained.","selected_evidence_keys":[],"all_original_limits_retained":true,"stored_ID_cell_unchanged":true}},{"source_id":"R080-P1-S015 — Federal Reserve Board/FTC, Effective Dates for the FACT Act, joint interim final rules","urls":["https://www.govinfo.gov/content/pkg/FR-2003-12-24/html/03-31359.htm","https://www.govinfo.gov/content/pkg/FR-2003-12-24/html/03-31359.htm?utm_source=chatgpt.com"],"researcher_record":{"Source ID; issuer/title":"R080-P1-S015 — Federal Reserve Board/FTC, Effective Dates for the FACT Act, joint interim final rules","Complete literal HTTPS URL":"https://www.govinfo.gov/content/pkg/FR-2003-12-24/html/03-31359.htm","Exact read extent":"Header/DATES; complete material effective-date explanation, including enactment-anchored agency duties versus unspecified implementation authority; complete initial 16 CFR 602.1, with parallel 12 CFR text read for context. Printed 68 FR 74467–74469; HTML.","Version/status, dates, access, and limits":"Published December 24, 2003; stated effective date December 31, 2003. Historical interim instrument, subsequently finalized in S016. A. Broader FCRA substantive rights and preemption are not decided here. \ngovinfo.gov\n+2"},"coordinator_verification_status":"original_attribution_unreopened_all_limits_retained","coordinator_canonical_source_id":"R080-P1-S015","coordinator_review":{"at":"2026-10-29T09:33:25.191477+00:00","identity":"delegated coordinator /root/review_wv1; not independent","source_check":"[internal evidence reference]","disposition":"original_attribution_unreopened_all_limits_retained","scope":"No freshsourcebody or statusacceptance; all original version/history/failure/currentness/application limits retained.","selected_evidence_keys":[],"all_original_limits_retained":true,"stored_ID_cell_unchanged":true}},{"source_id":"R080-P1-S016 — Federal Reserve Board/FTC, Effective Dates for the FACT Act, joint final rules","urls":["https://www.govinfo.gov/content/pkg/FR-2004-02-11/html/04-2913.htm","https://www.govinfo.gov/link/fr/69/6526","https://www.govinfo.gov/content/pkg/FR-2004-02-11/html/04-2913.htm?utm_source=chatgpt.com","https://www.govinfo.gov/link/fr/69/6526?utm_source=chatgpt.com"],"researcher_record":{"Source ID; issuer/title":"R080-P1-S016 — Federal Reserve Board/FTC, Effective Dates for the FACT Act, joint final rules","Complete literal HTTPS URL":"https://www.govinfo.gov/content/pkg/FR-2004-02-11/html/04-2913.htm\nhttps://www.govinfo.gov/link/fr/69/6526","Exact read extent":"HTML: header/DATES; §III explanation concerning enactment-anchored actions and §__.1(c)(1)(ii); complete FTC amendatory addition of §602.1(c)(2)–(3). PDF: selected corresponding text, printed 6526 / index 0, 6530 / index 4, 6531 / index 5.","Version/status, dates, access, and limits":"Published February 11, 2004; rule effective March 12, 2004. Finalizes the interim approach and supplies additional schedules. A. PDF parsed text only; not every page or every FCRA issue analyzed. HTML and PDF are the same instrument. \ngovinfo.gov\n+3"},"coordinator_verification_status":"original_attribution_unreopened_all_limits_retained","coordinator_canonical_source_id":"R080-P1-S016","coordinator_review":{"at":"2026-10-29T09:33:25.191477+00:00","identity":"delegated coordinator /root/review_wv1; not independent","source_check":"[internal evidence reference]","disposition":"original_attribution_unreopened_all_limits_retained","scope":"No freshsourcebody or statusacceptance; all original version/history/failure/currentness/application limits retained.","selected_evidence_keys":[],"all_original_limits_retained":true,"stored_ID_cell_unchanged":true}},{"source_id":"R080-P1-S017 — FTC, Amendment of Rules Under the FACT Act","urls":["https://www.govinfo.gov/content/pkg/FR-2004-05-20/pdf/04-11329.pdf","https://www.federalregister.gov/documents/2004/05/20/04-11329/amendment-of-rules-under-the-fact-act","https://www.govinfo.gov/content/pkg/FR-2004-05-20/pdf/04-11329.pdf?utm_source=chatgpt.com"],"researcher_record":{"Source ID; issuer/title":"R080-P1-S017 — FTC, Amendment of Rules Under the FACT Act","Complete literal HTTPS URL":"https://www.govinfo.gov/content/pkg/FR-2004-05-20/pdf/04-11329.pdf\nhttps://www.federalregister.gov/documents/2004/05/20/04-11329/amendment-of-rules-under-the-fact-act","Exact read extent":"DATES; relevant introductory explanation and complete §I discussion of Part 602; complete amendatory item 1 replacing Part 602. Official PDF: printed 29061 / index 0, 29062 / index 1, 29063 / index 2, selected text.","Version/status, dates, access, and limits":"Published May 20, 2004; effective June 21, 2004. Technical title/description changes; preamble expressly disclaims alteration of the jointly adopted effective dates. A. GovInfo HTML endpoint failed; official PDF was readable. FederalRegister.gov XML is an explanatory rendition, not the official legal edition; PDF parsed, not visually inspected. \ngovinfo.gov\n+4"},"coordinator_verification_status":"original_attribution_unreopened_all_limits_retained","coordinator_canonical_source_id":"R080-P1-S017","coordinator_review":{"at":"2026-10-29T09:33:25.191477+00:00","identity":"delegated coordinator /root/review_wv1; not independent","source_check":"[internal evidence reference]","disposition":"original_attribution_unreopened_all_limits_retained","scope":"No freshsourcebody or statusacceptance; all original version/history/failure/currentness/application limits retained.","selected_evidence_keys":[],"all_original_limits_retained":true,"stored_ID_cell_unchanged":true}},{"source_id":"R080-P1-S018 — FTC/eCFR, 16 CFR Part 602, Fair and Accurate Credit Transactions Act of 2003","urls":["https://www.ecfr.gov/current/title-16/chapter-I/subchapter-F/part-602","https://www.ecfr.gov/current/title-16/chapter-I/subchapter-F/part-602?utm_source=chatgpt.com"],"researcher_record":{"Source ID; issuer/title":"R080-P1-S018 — FTC/eCFR, 16 CFR Part 602, Fair and Accurate Credit Transactions Act of 2003","Complete literal HTTPS URL":"https://www.ecfr.gov/current/title-16/chapter-I/subchapter-F/part-602","Exact read extent":"Complete part authority and §602.1, including reserved (a)–(b), all of (c)(1)–(3), and source credit.","Version/status, dates, access, and limits":"Displayed Title 16 current through October 23, 2026, last title amendment October 19, 2026. Those are compilation/title dates, not a new §602.1 effective date. A. eCFR describes itself as continuously updated, not an official legal edition; adoption text checked in S015–S017. \necfr.gov\n+1"},"coordinator_verification_status":"fresh_complete_currentPart602_parsed_unofficial_currency_bounded","coordinator_canonical_source_id":"R080-P1-S018","coordinator_review":{"at":"2026-10-29T09:33:25.191477+00:00","identity":"delegated coordinator /root/review_wv1; not independent","source_check":"[internal evidence reference]","disposition":"fresh_complete_currentPart602_parsed_unofficial_currency_bounded","scope":"Complete602body/sourcechecked atfresh10/26currency; titlelastamendnotsectiondate/originalmetadatanotreclassified.","selected_evidence_keys":["eCFR_602_currency_and_unofficial_status","eCFR_complete602_authority_reserved_and_c1_to_c3_source"],"all_original_limits_retained":true,"stored_ID_cell_unchanged":true}},{"source_id":"R080-P1-S019 — Federal MyMoney.gov/FLEC program site, “About MyMoney.gov”","urls":["https://www.mymoney.gov/About-Us","https://www.mymoney.gov/About-Us?utm_source=chatgpt.com"],"researcher_record":{"Source ID; issuer/title":"R080-P1-S019 — Federal MyMoney.gov/FLEC program site, “About MyMoney.gov”","Complete literal HTTPS URL":"https://www.mymoney.gov/About-Us","Exact read extent":"Complete introductory institutional-description paragraphs under the page heading, before “Learn More” and “Our Members.”","Version/status, dates, access, and limits":"A. Official generic program explanation; no displayed publication/edition date established for the selected paragraphs. It self-describes the site as a FLEC product and uses “financial capability.” No roster, composition estimate, linked program, actual material, meeting, or website-compliance audit was used as evidence of statutory compliance. \nMyMoney.gov"},"coordinator_verification_status":"original_attribution_unreopened_all_limits_retained","coordinator_canonical_source_id":"R080-P1-S019","coordinator_review":{"at":"2026-10-29T09:33:25.191477+00:00","identity":"delegated coordinator /root/review_wv1; not independent","source_check":"[internal evidence reference]","disposition":"original_attribution_unreopened_all_limits_retained","scope":"No freshsourcebody or statusacceptance; all original version/history/failure/currentness/application limits retained.","selected_evidence_keys":[],"all_original_limits_retained":true,"stored_ID_cell_unchanged":true}}],"coverage":[{"topic":"1.1 Complete selected bodies and actual organization","researcher_record":{"Question/material subquestion":"1.1 Complete selected bodies and actual organization","Status and finding":"Answered within selected interval. All eight bodies present and read; Chapter 77 heading verified.","Claim/source/branch crosswalk":"C001; S001–S008; B01.","Missing evidence and exact next permissible inquiry":"Whole-chapter index access failed. No inference that §9708 is the chapter endpoint; obtain an ordinary official index only if broader organization becomes necessary."},"raw_table_index":11,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T09:33:25.191477+00:00","identity":"delegated coordinator /root/review_wv1; not independent","reconciliation":"[internal evidence reference]","all_original_missing_evidence_retained":true,"parent_or_topic_acceptance":false}},{"topic":"1.2 Definitions, nested conditions, exceptions, notes","researcher_record":{"Question/material subquestion":"1.2 Definitions, nested conditions, exceptions, notes","Status and finding":"Answered/partial. Selected statutory text and material statutory notes read; necessary Act-level incorporation traced.","Claim/source/branch crosswalk":"C003–C008, C074; S001–S014; B02–B03.","Missing evidence and exact next permissible inquiry":"Full FCRA consequences, travel rates, and separate executive-council histories excluded; read only a newly indispensable narrow clause."},"raw_table_index":11,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T09:33:25.191477+00:00","identity":"delegated coordinator /root/review_wv1; not independent","reconciliation":"[internal evidence reference]","all_original_missing_evidence_retained":true,"parent_or_topic_acceptance":false}},{"topic":"1.3 Version, publication status, access, later history","researcher_record":{"Question/material subquestion":"1.3 Version, publication status, access, later history","Status and finding":"Partial. Displayed current compilations and actual access documented.","Claim/source/branch crosswalk":"C001–C002, C014; source register; B25.","Missing evidence and exact next permissible inquiry":"Post-cutoff enactments and exhaustive judicial history not certified; check later public amendatory law if required."},"raw_table_index":11,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T09:33:25.191477+00:00","identity":"delegated coordinator /root/review_wv1; not independent","reconciliation":"[internal evidence reference]","all_original_missing_evidence_retained":true,"parent_or_topic_acceptance":false}},{"topic":"2.1 Defined versus merely used financial-literacy terms","researcher_record":{"Question/material subquestion":"2.1 Defined versus merely used financial-literacy terms","Status and finding":"Answered. Institutional terms are defined; no personal literacy/clinical test supplied by selected enacted sections.","Claim/source/branch crosswalk":"C004–C006, C073; S001, S009, S013; B02.","Missing evidence and exact next permissible inquiry":"Separate legal definitions and empirical measures require separate authority/evidence."},"raw_table_index":11,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T09:33:25.191477+00:00","identity":"delegated coordinator /root/review_wv1; not independent","reconciliation":"[internal evidence reference]","all_original_missing_evidence_retained":true,"parent_or_topic_acceptance":false}},{"topic":"2.2 Commission, offices, and generic roles","researcher_record":{"Question/material subquestion":"2.2 Commission, offices, and generic roles","Status and finding":"Answered as statutory categories. Leadership and office responsibilities distinguished.","Claim/source/branch crosswalk":"C015–C019, C056, C058, C061; S002, S005–S007; B04.","Missing evidence and exact next permissible inquiry":"Current holders/organization unexamined; only public legal transfer/delegation instruments would be permissible next authorities."},"raw_table_index":11,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T09:33:25.191477+00:00","identity":"delegated coordinator /root/review_wv1; not independent","reconciliation":"[internal evidence reference]","all_original_missing_evidence_retained":true,"parent_or_topic_acceptance":false}},{"topic":"2.3 Covered people, topics, and materials","researcher_record":{"Question/material subquestion":"2.3 Covered people, topics, and materials","Status and finding":"Answered as statutory audiences and subjects.","Claim/source/branch crosswalk":"C015, C024–C039; S002–S003; B03, B11–B14.","Missing evidence and exact next permissible inquiry":"No actual recipient or program eligibility established; identify separate enabling law if eligibility becomes a new component."},"raw_table_index":11,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T09:33:25.191477+00:00","identity":"delegated coordinator /root/review_wv1; not independent","reconciliation":"[internal evidence reference]","all_original_missing_evidence_retained":true,"parent_or_topic_acceptance":false}},{"topic":"3.1 Creation and purpose","researcher_record":{"Question/material subquestion":"3.1 Creation and purpose","Status and finding":"Answered. Commission and national-strategy purpose established.","Claim/source/branch crosswalk":"C003, C015; S002, S009.","Missing evidence and exact next permissible inquiry":"Actual operations held; no additional inquiry needed for the stated text."},"raw_table_index":11,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T09:33:25.191477+00:00","identity":"delegated coordinator /root/review_wv1; not independent","reconciliation":"[internal evidence reference]","all_original_missing_evidence_retained":true,"parent_or_topic_acceptance":false}},{"topic":"3.2 Composition, representation, appointment, alternates","researcher_record":{"Question/material subquestion":"3.2 Composition, representation, appointment, alternates","Status and finding":"Answered rule/application unresolved. Full statutory offices and appointment predicates retained.","Claim/source/branch crosswalk":"C007, C016–C019; S002, S012; B05–B06.","Missing evidence and exact next permissible inquiry":"No roster, appointments, or attendance; next inquiry limited to public changes to composition/designation law."},"raw_table_index":11,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T09:33:25.191477+00:00","identity":"delegated coordinator /root/review_wv1; not independent","reconciliation":"[internal evidence reference]","all_original_missing_evidence_retained":true,"parent_or_topic_acceptance":false}},{"topic":"3.3 Meetings and decision rules","researcher_record":{"Question/material subquestion":"3.3 Meetings and decision rules","Status and finding":"Answered selected rules. Frequency, publicity, majority quorum, hearing exception, initial deadline.","Claim/source/branch crosswalk":"C020–C022; M001–M004; S002; B07.","Missing evidence and exact next permissible inquiry":"Other decision procedures and actual compliance unexamined; read a precise generic procedural authority if needed."},"raw_table_index":11,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T09:33:25.191477+00:00","identity":"delegated coordinator /root/review_wv1; not independent","reconciliation":"[internal evidence reference]","all_original_missing_evidence_retained":true,"parent_or_topic_acceptance":false}},{"topic":"3.4 Support and administration","researcher_record":{"Question/material subquestion":"3.4 Support and administration","Status and finding":"Answered/partial. Compensation, travel-reference, Treasury assistance, and details explained.","Claim/source/branch crosswalk":"C054–C057; S005; B23.","Missing evidence and exact next permissible inquiry":"Travel rates and legal office-transfer history held; narrow Title 5 or transfer-law inquiry only."},"raw_table_index":11,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T09:33:25.191477+00:00","identity":"delegated coordinator /root/review_wv1; not independent","reconciliation":"[internal evidence reference]","all_original_missing_evidence_retained":true,"parent_or_topic_acceptance":false}},{"topic":"3.5 Institutional discretion versus entitlement/power","researcher_record":{"Question/material subquestion":"3.5 Institutional discretion versus entitlement/power","Status and finding":"Answered boundary. Mandatory functions with discretion distinguished from private rights and general enforcement.","Claim/source/branch crosswalk":"C023, C050–C053, C068, C072; S003–S004; B08–B09, B26.","Missing evidence and exact next permissible inquiry":"Any further claimed authority requires its own enabling statute."},"raw_table_index":11,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T09:33:25.191477+00:00","identity":"delegated coordinator /root/review_wv1; not independent","reconciliation":"[internal evidence reference]","all_original_missing_evidence_retained":true,"parent_or_topic_acceptance":false}},{"topic":"4.1 National strategy and coordination","researcher_record":{"Question/material subquestion":"4.1 National strategy and coordination","Status and finding":"Answered rules; implementation unresolved. Contents, duplication, participation, review and coordination traced.","Claim/source/branch crosswalk":"C040–C044; S003(e)–(g); B10.","Missing evidence and exact next permissible inquiry":"No actual strategy/implementation audit; later amendments are the permissible legal inquiry."},"raw_table_index":11,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T09:33:25.191477+00:00","identity":"delegated coordinator /root/review_wv1; not independent","reconciliation":"[internal evidence reference]","all_original_missing_evidence_retained":true,"parent_or_topic_acceptance":false}},{"topic":"4.2 Clearinghouse, website, grant information, links","researcher_record":{"Question/material subquestion":"4.2 Clearinghouse, website, grant information, links","Status and finding":"Answered rules. Illustrative domain and distinct website purposes retained.","Claim/source/branch crosswalk":"C036–C037; S003(b); B12–B13.","Missing evidence and exact next permissible inquiry":"Actual site compliance and grant eligibility held; underlying public grant law would be separate."},"raw_table_index":11,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T09:33:25.191477+00:00","identity":"delegated coordinator /root/review_wv1; not independent","reconciliation":"[internal evidence reference]","all_original_missing_evidence_retained":true,"parent_or_topic_acceptance":false}},{"topic":"4.3 Hotline, materials, promotion, dissemination","researcher_record":{"Question/material subquestion":"4.3 Hotline, materials, promotion, dissemination","Status and finding":"Answered rules; implementation unresolved.","Claim/source/branch crosswalk":"C038–C039, C053, C061–C063; S003(c)–(d), S004(d), S007.","Missing evidence and exact next permissible inquiry":"No operational availability or campaign audit; no actual contact permitted."},"raw_table_index":11,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T09:33:25.191477+00:00","identity":"delegated coordinator /root/review_wv1; not independent","reconciliation":"[internal evidence reference]","all_original_missing_evidence_retained":true,"parent_or_topic_acceptance":false}},{"topic":"4.4 Readability, accessibility, neutrality, targeting","researcher_record":{"Question/material subquestion":"4.4 Readability, accessibility, neutrality, targeting","Status and finding":"Answered narrow text; broader standards excluded. Clause-specific clarity, access, noncommercial links, multilingual provisions and targeted populations identified.","Claim/source/branch crosswalk":"C028–C029, C033, C037, C053, C069; S003–S004, S007; B14–B16.","Missing evidence and exact next permissible inquiry":"No universal reading-grade or accessibility certification. Separate public accessibility/language law remains next authority if authorized."},"raw_table_index":11,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T09:33:25.191477+00:00","identity":"delegated coordinator /root/review_wv1; not independent","reconciliation":"[internal evidence reference]","all_original_missing_evidence_retained":true,"parent_or_topic_acceptance":false}},{"topic":"4.5 Reviews, reports, recommendations, testimony","researcher_record":{"Question/material subquestion":"4.5 Reviews, reports, recommendations, testimony","Status and finding":"Answered legal requirements; actual performance unresolved.","Claim/source/branch crosswalk":"C034, C043–C049, C058–C060, C065; S003, S006–S007; B17–B18, B21.","Missing evidence and exact next permissible inquiry":"Actual reports and data held; §9707(e)’s reference defect requires a public correction or interpretation."},"raw_table_index":11,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T09:33:25.191477+00:00","identity":"delegated coordinator /root/review_wv1; not independent","reconciliation":"[internal evidence reference]","all_original_missing_evidence_retained":true,"parent_or_topic_acceptance":false}},{"topic":"5.1 Debt, borrowing, credit, savings, spending, planning","researcher_record":{"Question/material subquestion":"5.1 Debt, borrowing, credit, savings, spending, planning","Status and finding":"Answered as educational topics. No payment plan, score result, or debt-validity finding.","Claim/source/branch crosswalk":"C024–C027, C030–C033; S003(a); B11.","Missing evidence and exact next permissible inquiry":"Separate consumer-credit rules and actual applications excluded."},"raw_table_index":11,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T09:33:25.191477+00:00","identity":"delegated coordinator /root/review_wv1; not independent","reconciliation":"[internal evidence reference]","all_original_missing_evidence_retained":true,"parent_or_topic_acceptance":false}},{"topic":"5.2 Fraud, investor recourse, retirement and other topics","researcher_record":{"Question/material subquestion":"5.2 Fraud, investor recourse, retirement and other topics","Status and finding":"Answered in exact contexts. Deceptive offers and retirement appear in educational subjects; fraud/identity theft also appear as illustrative report-obtaining purposes.","Claim/source/branch crosswalk":"C024, C027–C029, C059; S003(a)(2), S006(b)(2).","Missing evidence and exact next permissible inquiry":"No fraud finding, retirement suitability, or available remedy; each requires separate law/facts."},"raw_table_index":11,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T09:33:25.191477+00:00","identity":"delegated coordinator /root/review_wv1; not independent","reconciliation":"[internal evidence reference]","all_original_missing_evidence_retained":true,"parent_or_topic_acceptance":false}},{"topic":"5.3 Education, counseling, advice, enforcement, relief","researcher_record":{"Question/material subquestion":"5.3 Education, counseling, advice, enforcement, relief","Status and finding":"Answered boundary. These concepts are not treated as interchangeable.","Claim/source/branch crosswalk":"C068, C071–C073; S003–S008; B09, B26–B28.","Missing evidence and exact next permissible inquiry":"Professional-practice and debt-relief regimes remain held."},"raw_table_index":11,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T09:33:25.191477+00:00","identity":"delegated coordinator /root/review_wv1; not independent","reconciliation":"[internal evidence reference]","all_original_missing_evidence_retained":true,"parent_or_topic_acceptance":false}},{"topic":"6.1 Grants, contracts, permitted relationships","researcher_record":{"Question/material subquestion":"6.1 Grants, contracts, permitted relationships","Status and finding":"Adapted to actual text. Program/grant coordination and information are present; campaign nonprofit relationship is express.","Claim/source/branch crosswalk":"C023, C036, C062–C063, C068; S003, S007; B20.","Missing evidence and exact next permissible inquiry":"No complete independent grant/procurement system or actual award; identify the particular public enabling authority if necessary."},"raw_table_index":11,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T09:33:25.191477+00:00","identity":"delegated coordinator /root/review_wv1; not independent","reconciliation":"[internal evidence reference]","all_original_missing_evidence_retained":true,"parent_or_topic_acceptance":false}},{"topic":"6.2 Appropriations authorizations and resources","researcher_record":{"Question/material subquestion":"6.2 Appropriations authorizations and resources","Status and finding":"Answered text; funding unresolved. Historical campaign wording and general authorization distinguished.","Claim/source/branch crosswalk":"C066–C067; M023–M024; S007–S008; B19.","Missing evidence and exact next permissible inquiry":"Actual appropriations/spending not researched; only relevant public appropriation enactments would resolve authority."},"raw_table_index":11,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T09:33:25.191477+00:00","identity":"delegated coordinator /root/review_wv1; not independent","reconciliation":"[internal evidence reference]","all_original_missing_evidence_retained":true,"parent_or_topic_acceptance":false}},{"topic":"6.3 Compensation, reimbursement, personnel","researcher_record":{"Question/material subquestion":"6.3 Compensation, reimbursement, personnel","Status and finding":"Answered/partial. Express provisions traced; exact travel-rate regime held.","Claim/source/branch crosswalk":"C054–C057; M015–M017; S005; B23.","Missing evidence and exact next permissible inquiry":"No rate or actual detail; narrow incorporated travel law is next if needed."},"raw_table_index":11,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T09:33:25.191477+00:00","identity":"delegated coordinator /root/review_wv1; not independent","reconciliation":"[internal evidence reference]","all_original_missing_evidence_retained":true,"parent_or_topic_acceptance":false}},{"topic":"6.4 Conflicts, liability, general rulemaking","researcher_record":{"Question/material subquestion":"6.4 Conflicts, liability, general rulemaking","Status and finding":"Excluded as absent from the selected express framework. No complete separate regime invented.","Claim/source/branch crosswalk":"C068; S001–S008; B09, B20.","Missing evidence and exact next permissible inquiry":"Applicable external ethics, liability, procurement, or agency authority would require a separately identified legal question."},"raw_table_index":11,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T09:33:25.191477+00:00","identity":"delegated coordinator /root/review_wv1; not independent","reconciliation":"[internal evidence reference]","all_original_missing_evidence_retained":true,"parent_or_topic_acceptance":false}},{"topic":"6.5 Reporting, oversight, evaluation","researcher_record":{"Question/material subquestion":"6.5 Reporting, oversight, evaluation","Status and finding":"Answered duties; results unresolved. Required assessment differs from validated evidence.","Claim/source/branch crosswalk":"C045–C049, C058–C060, C064–C065, C073; S003, S006–S007; B17–B18.","Missing evidence and exact next permissible inquiry":"Actual methods/results and report compliance held."},"raw_table_index":11,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T09:33:25.191477+00:00","identity":"delegated coordinator /root/review_wv1; not independent","reconciliation":"[internal evidence reference]","all_original_missing_evidence_retained":true,"parent_or_topic_acceptance":false}},{"topic":"7.1 Original enactment","researcher_record":{"Question/material subquestion":"7.1 Original enactment","Status and finding":"Answered selected complete enactment. §§2–3 and Title V read.","Claim/source/branch crosswalk":"C003, C012; S009.","Missing evidence and exact next permissible inquiry":"No whole-FACT-Act investigation claimed."},"raw_table_index":11,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T09:33:25.191477+00:00","identity":"delegated coordinator /root/review_wv1; not independent","reconciliation":"[internal evidence reference]","all_original_missing_evidence_retained":true,"parent_or_topic_acceptance":false}},{"topic":"7.2 Original commencement/application","researcher_record":{"Question/material subquestion":"7.2 Original commencement/application","Status and finding":"Answered narrow framework; no blanket date inferred. Act §3, interim/final rule, technical recodification and current §602.1 traced.","Claim/source/branch crosswalk":"C012–C014; S009, S015–S018; B22.","Missing evidence and exact next permissible inquiry":"Provision-specific later substantive rule effects outside this pass remain held."},"raw_table_index":11,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T09:33:25.191477+00:00","identity":"delegated coordinator /root/review_wv1; not independent","reconciliation":"[internal evidence reference]","all_original_missing_evidence_retained":true,"parent_or_topic_acceptance":false}},{"topic":"7.3 2010 membership amendment","researcher_record":{"Question/material subquestion":"7.3 2010 membership amendment","Status and finding":"Answered. Amendment and §1018 enactment trigger read.","Claim/source/branch crosswalk":"C009; S010; B22.","Missing evidence and exact next permissible inquiry":"No current roster or other Bureau powers investigated."},"raw_table_index":11,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T09:33:25.191477+00:00","identity":"delegated coordinator /root/review_wv1; not independent","reconciliation":"[internal evidence reference]","all_original_missing_evidence_retained":true,"parent_or_topic_acceptance":false}},{"topic":"7.4 Banking-definition change","researcher_record":{"Question/material subquestion":"7.4 Banking-definition change","Status and finding":"Partial. Actual deletion and governing transfer-date clauses read; no actual designated date certified.","Claim/source/branch crosswalk":"C007, C010; S010, S012; M033–M035.","Missing evidence and exact next permissible inquiry":"A necessary public transfer-date instrument is the next narrow inquiry if actual historical commencement must be established."},"raw_table_index":11,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T09:33:25.191477+00:00","identity":"delegated coordinator /root/review_wv1; not independent","reconciliation":"[internal evidence reference]","all_original_missing_evidence_retained":true,"parent_or_topic_acceptance":false}},{"topic":"7.5 2018 higher-education amendment","researcher_record":{"Question/material subquestion":"7.5 2018 higher-education amendment","Status and finding":"Answered. Complete §603 and enactment anchor read.","Claim/source/branch crosswalk":"C011, C032–C035; S011.","Missing evidence and exact next permissible inquiry":"Actual best-practices process/results held."},"raw_table_index":11,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T09:33:25.191477+00:00","identity":"delegated coordinator /root/review_wv1; not independent","reconciliation":"[internal evidence reference]","all_original_missing_evidence_retained":true,"parent_or_topic_acceptance":false}},{"topic":"7.6 Official explanation and statutory difference","researcher_record":{"Question/material subquestion":"7.6 Official explanation and statutory difference","Status and finding":"Answered bounded comparison. Selected introduction is explanatory, not amendatory; unknown publisher date retained.","Claim/source/branch crosswalk":"C070; S019; B24.","Missing evidence and exact next permissible inquiry":"No actual roster, materials, or program audit; public amendments control any legal mismatch."},"raw_table_index":11,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T09:33:25.191477+00:00","identity":"delegated coordinator /root/review_wv1; not independent","reconciliation":"[internal evidence reference]","all_original_missing_evidence_retained":true,"parent_or_topic_acceptance":false}},{"topic":"8.1 Behavioral and psychological mechanisms","researcher_record":{"Question/material subquestion":"8.1 Behavioral and psychological mechanisms","Status and finding":"Excluded with reason. Statutory duties do not establish causal mechanisms or effects.","Claim/source/branch crosswalk":"C073; B27–B28; gaps table below.","Missing evidence and exact next permissible inquiry":"Appropriate public empirical research would require a separate authorized component."},"raw_table_index":11,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T09:33:25.191477+00:00","identity":"delegated coordinator /root/review_wv1; not independent","reconciliation":"[internal evidence reference]","all_original_missing_evidence_retained":true,"parent_or_topic_acceptance":false}},{"topic":"8.2 Clinical care, psychometrics, individual capacity/suitability","researcher_record":{"Question/material subquestion":"8.2 Clinical care, psychometrics, individual capacity/suitability","Status and finding":"Excluded with reason. No medical or personal assessment undertaken.","Claim/source/branch crosswalk":"C005, C073; B02, B28.","Missing evidence and exact next permissible inquiry":"Validated measures, clinical evidence, and actual facts are not supplied and are not requested here."},"raw_table_index":11,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T09:33:25.191477+00:00","identity":"delegated coordinator /root/review_wv1; not independent","reconciliation":"[internal evidence reference]","all_original_missing_evidence_retained":true,"parent_or_topic_acceptance":false}},{"topic":"8.3 Other laws and actual implementation","researcher_record":{"Question/material subquestion":"8.3 Other laws and actual implementation","Status and finding":"Excluded/held. Consumer-credit, private counseling, accessibility, other jurisdictions, debt/tax/bankruptcy, and implementation remain separate.","Claim/source/branch crosswalk":"C068, C071–C074; B09, B14, B19, B26–B28.","Missing evidence and exact next permissible inquiry":"Identify a precise next public-law component; no omnibus extension or individual inquiry."},"raw_table_index":11,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T09:33:25.191477+00:00","identity":"delegated coordinator /root/review_wv1; not independent","reconciliation":"[internal evidence reference]","all_original_missing_evidence_retained":true,"parent_or_topic_acceptance":false}},{"topic":"9.1 Institutional responsibility / individual entitlement","researcher_record":{"Question/material subquestion":"9.1 Institutional responsibility / individual entitlement","Status and finding":"Answered comparison.","Claim/source/branch crosswalk":"Comparison row 1; C015, C023, C072; S002–S008.","Missing evidence and exact next permissible inquiry":"Separate entitlement law and actual facts absent."},"raw_table_index":11,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T09:33:25.191477+00:00","identity":"delegated coordinator /root/review_wv1; not independent","reconciliation":"[internal evidence reference]","all_original_missing_evidence_retained":true,"parent_or_topic_acceptance":false}},{"topic":"9.2 Defined term / personal trait","researcher_record":{"Question/material subquestion":"9.2 Defined term / personal trait","Status and finding":"Answered comparison.","Claim/source/branch crosswalk":"Comparison row 2; C004–C008; S001, S009, S012–S014.","Missing evidence and exact next permissible inquiry":"Measurement/clinical interpretation remains outside the statutory definition."},"raw_table_index":11,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T09:33:25.191477+00:00","identity":"delegated coordinator /root/review_wv1; not independent","reconciliation":"[internal evidence reference]","all_original_missing_evidence_retained":true,"parent_or_topic_acceptance":false}},{"topic":"9.3 Subject matter / behavioral effect","researcher_record":{"Question/material subquestion":"9.3 Subject matter / behavioral effect","Status and finding":"Answered boundary.","Claim/source/branch crosswalk":"Comparison row 3; C031, C064, C073.","Missing evidence and exact next permissible inquiry":"Empirical causal evidence absent."},"raw_table_index":11,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T09:33:25.191477+00:00","identity":"delegated coordinator /root/review_wv1; not independent","reconciliation":"[internal evidence reference]","all_original_missing_evidence_retained":true,"parent_or_topic_acceptance":false}},{"topic":"9.4 Duty / implementation","researcher_record":{"Question/material subquestion":"9.4 Duty / implementation","Status and finding":"Answered boundary.","Claim/source/branch crosswalk":"Comparison row 4; C034, C036–C049.","Missing evidence and exact next permissible inquiry":"Actual deliverables/compliance not audited."},"raw_table_index":11,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T09:33:25.191477+00:00","identity":"delegated coordinator /root/review_wv1; not independent","reconciliation":"[internal evidence reference]","all_original_missing_evidence_retained":true,"parent_or_topic_acceptance":false}},{"topic":"9.5 Education / advice or counseling","researcher_record":{"Question/material subquestion":"9.5 Education / advice or counseling","Status and finding":"Answered boundary.","Claim/source/branch crosswalk":"Comparison row 5; C071–C072.","Missing evidence and exact next permissible inquiry":"Separate professional-practice authority required."},"raw_table_index":11,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T09:33:25.191477+00:00","identity":"delegated coordinator /root/review_wv1; not independent","reconciliation":"[internal evidence reference]","all_original_missing_evidence_retained":true,"parent_or_topic_acceptance":false}},{"topic":"9.6 Coordination / enforcement","researcher_record":{"Question/material subquestion":"9.6 Coordination / enforcement","Status and finding":"Answered boundary.","Claim/source/branch crosswalk":"Comparison row 6; C023, C051, C068.","Missing evidence and exact next permissible inquiry":"Separate enabling law required for additional power."},"raw_table_index":11,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T09:33:25.191477+00:00","identity":"delegated coordinator /root/review_wv1; not independent","reconciliation":"[internal evidence reference]","all_original_missing_evidence_retained":true,"parent_or_topic_acceptance":false}},{"topic":"9.7 Authorization / appropriation/spending","researcher_record":{"Question/material subquestion":"9.7 Authorization / appropriation/spending","Status and finding":"Answered text; actual funding unresolved.","Claim/source/branch crosswalk":"Comparison row 7; C066–C068; S007–S008.","Missing evidence and exact next permissible inquiry":"Relevant appropriation law unexamined."},"raw_table_index":11,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T09:33:25.191477+00:00","identity":"delegated coordinator /root/review_wv1; not independent","reconciliation":"[internal evidence reference]","all_original_missing_evidence_retained":true,"parent_or_topic_acceptance":false}},{"topic":"9.8 Historical/current office wording","researcher_record":{"Question/material subquestion":"9.8 Historical/current office wording","Status and finding":"Answered text; actual organization unresolved.","Claim/source/branch crosswalk":"Comparison row 8; C007, C009–C010, C056.","Missing evidence and exact next permissible inquiry":"Public legal transfer/rename instruments may be necessary; no roster inquiry."},"raw_table_index":11,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T09:33:25.191477+00:00","identity":"delegated coordinator /root/review_wv1; not independent","reconciliation":"[internal evidence reference]","all_original_missing_evidence_retained":true,"parent_or_topic_acceptance":false}},{"topic":"9.9 Explanation / operative law","researcher_record":{"Question/material subquestion":"9.9 Explanation / operative law","Status and finding":"Answered.","Claim/source/branch crosswalk":"Comparison row 9; C070; S019.","Missing evidence and exact next permissible inquiry":"Unknown page publication date and implementation remain limits."},"raw_table_index":11,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T09:33:25.191477+00:00","identity":"delegated coordinator /root/review_wv1; not independent","reconciliation":"[internal evidence reference]","all_original_missing_evidence_retained":true,"parent_or_topic_acceptance":false}},{"topic":"9.10 Information / endorsement","researcher_record":{"Question/material subquestion":"9.10 Information / endorsement","Status and finding":"Answered boundary.","Claim/source/branch crosswalk":"Comparison row 10; C036–C037, C069.","Missing evidence and exact next permissible inquiry":"Actual links and separate endorsement authority unexamined."},"raw_table_index":11,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T09:33:25.191477+00:00","identity":"delegated coordinator /root/review_wv1; not independent","reconciliation":"[internal evidence reference]","all_original_missing_evidence_retained":true,"parent_or_topic_acceptance":false}},{"topic":"9.11 Complete relied-on quantities","researcher_record":{"Question/material subquestion":"9.11 Complete relied-on quantities","Status and finding":"Answered as a register. All operative quantities and relied-on historical/source-status dates are recorded without calculations.","Claim/source/branch crosswalk":"M001–M039; corresponding claims/sources.","Missing evidence and exact next permissible inquiry":"Unspecified intervals and rate regimes are marked; no actual calendar/model inquiry necessary."},"raw_table_index":11,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T09:33:25.191477+00:00","identity":"delegated coordinator /root/review_wv1; not independent","reconciliation":"[internal evidence reference]","all_original_missing_evidence_retained":true,"parent_or_topic_acceptance":false}},{"topic":"10.1 Conditional branches","researcher_record":{"Question/material subquestion":"10.1 Conditional branches","Status and finding":"Answered with application holds. Twenty-eight substantive branches supplied.","Claim/source/branch crosswalk":"B01–B28, each with claims, sources, missing predicates, prohibited inference, and next inquiry.","Missing evidence and exact next permissible inquiry":"Individual application and excluded regimes remain held in each row."},"raw_table_index":11,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T09:33:25.191477+00:00","identity":"delegated coordinator /root/review_wv1; not independent","reconciliation":"[internal evidence reference]","all_original_missing_evidence_retained":true,"parent_or_topic_acceptance":false}},{"topic":"11.1 Blank worksheet","researcher_record":{"Question/material subquestion":"11.1 Blank worksheet","Status and finding":"Answered. All entry/analysis/result cells are empty.","Claim/source/branch crosswalk":"Section 6 above.","Missing evidence and exact next permissible inquiry":"No data collection, assessment, application, or outcome produced."},"raw_table_index":11,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T09:33:25.191477+00:00","identity":"delegated coordinator /root/review_wv1; not independent","reconciliation":"[internal evidence reference]","all_original_missing_evidence_retained":true,"parent_or_topic_acceptance":false}}],"annotations":{},"corrections":[],"resolved_corrections":[],"review_history":[{"id":"R080-P1-SCOPED-REVIEW","status":"scoped_partial_not_accepted","at":null},{"id":"R080-P1-V001","status":"held_validation_only_UNSENT","at":null},{"id":"R080-P1-V002","status":"held_validation_only_UNSENT","at":null},{"id":"R080-P1-V003","status":"held_validation_only_UNSENT","at":null},{"id":"R080-P1-V004","status":"held_validation_only_UNSENT","at":null},{"id":"R080-P1-V005","status":"held_validation_only_UNSENT","at":null}]}