{"meta":{"key":"r088--pass-01","task":"R088","title":"Appendix M1 to 12 CFR Part 1026 — Repayment Disclosures","parent_title":"Calculators and comparison tools","edition":"pass-01","path":"/research/r088--pass-01/","kind":"split_pass","category":"subject","role":"primary_area","area_numbers":[88],"groups":["practical"],"date":"2026-10-28","tables":18,"claims":100,"sources":15,"review_status":"reviewed_with_selected_source_and_application_holds","review_complete":true,"sha256":"9b65456a1516f6ebf2443b6b82479bd6979f5f0fb6dcefb487fecc7a5e6d984a","headings":["Appendix M1 to 12 CFR Part 1026 — Repayment Disclosures","1. Source register","2. Actual organization and scope of the calculation framework","3. Atomic claim register","3A. Source status, authority, definitions, and disclosure applicability","3B. Complete M1 calculation instructions","3C. Linked sample, official interpretations, and ancillary information duties","3D. Adoption history and remaining legal/method limits","4. Source-to-method specification and plain-text formulas","4.1 Definitions used in the transcriptions","F01 — Minimum-payment duration and total cost","F02 — M2’s periodic-rate, weighting, and equal-payment illustration","F03 — M2’s minimum-payment loop, as written","F04 — Cost comparison and savings sequence","F05 — Duration display and the two duration-accuracy routes","F06 — Thirty-six-month payment tolerance","5. Provision-specific comparison","6. Complete measurement register","6A. Operative calculation and disclosure quantities","6B. Source illustrations and sample-code quantities","6C. Version, publication and application measurements","7. Conditional branches and branch-level coverage","8. Wholly blank analytical worksheet","9. Granular question-to-claim coverage","10. Source-read and failure log","10A. Successful and bounded readings","10B. Exact failures and visual-access limits","11. Explicit unresolved gaps","12. 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":"R088/pass-01","facets":{"geography":["us","us-federal"],"debt_type":[],"stage":["origination"],"subject":["agreements-disclosures"]},"scope":"IndependentpublicRegZAppendixM1repayment-disclosure-calculationinstructions;noactualaccount-calculator-decisions-orremainingA088held","pending_corrections":0},"markdown":"# SettleADebt R088 PASS-01\n\n## Appendix M1 to 12 CFR Part 1026 — Repayment Disclosures\n\n**Appendix M1 supplies methods for specified repayment disclosures. It does not set a universal contractual minimum payment, supply an actual payoff quote, or establish affordability.** Its calculations use account-specific inputs together with expressly permitted assumptions, alternative methods, rounding rules, and accuracy tolerances. The associated disclosure obligation and its exceptions appear in § 1026.7(b)(12). [Consumer Financial Protection Bureau+3](https://www.consumerfinance.gov/rules-policy/regulations/1026/m1/?utm_source=chatgpt.com)\n\nThe complete current CFPB-displayed Appendix M1 was read, including paragraphs (a)–(f), every nested assumption, and its illustrations. The linked Appendix M2 was also read completely because M1 expressly refers to its sample calculations. **M2 is a published illustration written in SAS; it has not been executed, converted into a calculator, or treated as a general-purpose algorithm.** [Consumer Financial Protection Bureau+3](https://www.consumerfinance.gov/rules-policy/regulations/1026/m1/?utm_source=chatgpt.com)\n\nA material source-status qualification arose in the account-definition cross-reference. The eCFR display of § 1026.2(a)(15) included wording adopted by the 2024 overdraft rule, while the CFPB display showed different wording. The adopted 2024 clause was traced, and Public Law 119-10 expressly states that the identified rule has no force or effect. That enacted limitation is preserved below; the eCFR currency banner is not treated as sufficient proof that the displayed overdraft amendment is operative. [ecfr.gov+4](https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-A/section-1026.2?utm_source=chatgpt.com)\n\n**Actual access date:** October 28, 2026, America/Los_Angeles, beginning at 00:12 PDT. All readings reported here occurred during this investigation. Earlier reports supplied no substantive premise or source evidence.\n\n**Reference convention:** “S001,” “C001,” “M001,” and “B01” below refer to the corresponding R088-P1 source, claim, measurement, and branch entries. References to an unexamined provision are expressly identified as pointers, not verified findings about that provision.\n\n## 1. Source register\n\nThese are public statutes, regulations, official interpretations, and adopted rulemaking publications. Multiple displays of the same provision are grouped; they are **not independent corroboration**.\n\nFor HTML, a PDF page index is not applicable. For PDFs, printed pagination and zero-based PDF indices are distinguished. Screenshot requests did not provide reviewable image content in the returned material; one timed out. Accordingly, the PDF readings below are **parsed-text readings**, not assertions of pixel inspection.\n\n| Source ID; issuer and title | Complete literal HTTPS URLs | Exact read bounds | Displayed version, legal status, effective/application information, access and limits |\n| --- | --- | --- | --- |\n| **R088-P1-S001 — CFPB; Appendix M1 to Part 1026, Repayment Disclosures** | [https://www.consumerfinance.gov/rules-policy/regulations/1026/m1/](https://www.consumerfinance.gov/rules-policy/regulations/1026/m1/?utm_source=chatgpt.com) [https://www.ecfr.gov/current/title-12/chapter-X/part-1026/appendix-Appendix%20M1%20to%20Part%201026](https://www.ecfr.gov/current/title-12/chapter-X/part-1026/appendix-Appendix%20M1%20to%20Part%201026?utm_source=chatgpt.com) | **Complete CFPB body:** (a)(1)–(2); (b)(1)–(5), including (b)(4)(i)–(xi); (c); (d)(1)–(4); (e); (f). Selected matching eCFR passages and its status banner. | CFPB: “This version is the current regulation,” without an appendix-specific edition date. Initial eCFR display: Title 12 up to date October 23, 2026, title last amended October 23, 2026. Those are title-level labels, not proof of an M1 amendment that day. Codified regulatory calculation instructions, with mandatory and permissive clauses. Access October 28, 2026 PDT. Necessary adoption history is S009–S012. [Consumer Financial Protection Bureau+4](https://www.consumerfinance.gov/rules-policy/regulations/1026/m1/?utm_source=chatgpt.com) |\n| **R088-P1-S002 — CFPB; Appendix M2, Sample Calculations of Repayment Disclosures** | [https://www.consumerfinance.gov/rules-policy/regulations/1026/m2/](https://www.consumerfinance.gov/rules-policy/regulations/1026/m2/?utm_source=chatgpt.com) [https://www.ecfr.gov/current/title-12/chapter-X/part-1026/appendix-Appendix%20M2%20to%20Part%201026](https://www.ecfr.gov/current/title-12/chapter-X/part-1026/appendix-Appendix%20M2%20to%20Part%201026?utm_source=chatgpt.com) | Complete CFPB introduction, variable comments, inputs, calculation code, output statements, and closing run statement. Selected corresponding eCFR code. | CFPB current-regulation label. The retrieved eCFR page displayed Title 12 currency October 6, 2026 and last amendment October 2, 2026—different from the M1 retrieval. A codified **example**, not an independently verified implementation. No execution or computed output. Access October 28 PDT. Original sample also read in S009 and S011. [Consumer Financial Protection Bureau+4](https://www.consumerfinance.gov/rules-policy/regulations/1026/m2/?utm_source=chatgpt.com) |\n| **R088-P1-S003 — CFPB; § 1026.7 and Supplement I repayment-disclosure interpretations** | [https://www.consumerfinance.gov/rules-policy/regulations/1026/7/](https://www.consumerfinance.gov/rules-policy/regulations/1026/7/?utm_source=chatgpt.com) [https://www.consumerfinance.gov/rules-policy/regulations/1026/interp-7/](https://www.consumerfinance.gov/rules-policy/regulations/1026/interp-7/?utm_source=chatgpt.com) | Complete **§ 1026.7(b)(12)(i)–(v)**, including all subclauses; complete (b)(13); comments 7(b)(12)-1, 7(b)(12)(i)(F)-1, 7(b)(12)(iv)-1 through -7, 7(b)(12)(v)-1, and 7(b)(13)-1. | Current CFPB regulatory/official-interpretation display. Regulation and Supplement I are distinguished. No claim of reading all § 1026.7 or all Supplement I. Appendix G sample images were not visually examined. Access October 28 PDT. [Consumer Financial Protection Bureau+2](https://www.consumerfinance.gov/rules-policy/regulations/1026/7/?utm_source=chatgpt.com) |\n| **R088-P1-S004 — CFPB/OFR; narrow Regulation Z authority and definitions** | [https://www.consumerfinance.gov/rules-policy/regulations/1026/1/](https://www.consumerfinance.gov/rules-policy/regulations/1026/1/?utm_source=chatgpt.com) [https://www.consumerfinance.gov/rules-policy/regulations/1026/2/](https://www.consumerfinance.gov/rules-policy/regulations/1026/2/?utm_source=chatgpt.com) [https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-A/section-1026.2](https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-A/section-1026.2?utm_source=chatgpt.com) | § 1026.1(a); selected purpose context. Complete material definitions in § 1026.2(a)(4), (7), (8), (11), (12), (14), (15), (17), (20), (21), and (22); reliance on creditor coverage is limited to the relevant (17)(iii) route. Selected billing-cycle and card-definition commentary. | CFPB current label. Retrieved eCFR § 1026.2 banner: up to date October 26, 2026; Title 12 last amended October 23, 2026. **Material (a)(15) display discrepancy** is addressed by S013–S014. Full § 1026.61 prepaid-credit coverage and all general Regulation Z exemptions are held. Access October 28 PDT. [Consumer Financial Protection Bureau+6](https://www.consumerfinance.gov/rules-policy/regulations/1026/1/?utm_source=chatgpt.com) |\n| **R088-P1-S005 — CFPB; periodic-statement trigger** | [https://www.consumerfinance.gov/rules-policy/regulations/1026/5/](https://www.consumerfinance.gov/rules-policy/regulations/1026/5/?utm_source=chatgpt.com) | Complete § 1026.5(b)(2)(i), and comments 5(b)(2)(i)-1 through -4. Reliance limited to statement requirement, exceptions, and continuation when draw privileges end without conversion. | Current regulatory and official-interpretation display. Full delivery-timing, billing-error, and collection regimes were not investigated. Access October 28 PDT. [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/rules-policy/regulations/1026/5/?utm_source=chatgpt.com) |\n| **R088-P1-S006 — Congress/OLRC; narrow TILA authority, repayment disclosure, and interpretation-effect clauses** | [https://uscode.house.gov/us/usc/119-134/t15/s1637/](https://uscode.house.gov/us/usc/119-134/t15/s1637/?utm_source=chatgpt.com) [https://uscode.house.gov/us/usc/119-134/t15/s1604/](https://uscode.house.gov/us/usc/119-134/t15/s1604/?utm_source=chatgpt.com) [https://uscode.house.gov/us/usc/119-134/t15/s1640/](https://uscode.house.gov/us/usc/119-134/t15/s1640/?utm_source=chatgpt.com) | § 1637(b) introductory sentence and complete (b)(11)(A)–(G); relevant 2009/2010 amendment and effective-date notes. Complete § 1604(a). Complete § 1640(f), solely for the official-interpretation boundary. | Each opened current edition states laws in effect through **Public Law 119-134, October 20, 2026**. Enacted statutory provisions as compiled by OLRC; editorial notes distinguished from original enactments. No complete TILA, liability, jurisdiction, or post-cutoff history review. Initial legacy-style endpoints failed; current-edition redirects worked. Access October 28 PDT. [uscode.house.gov+5](https://uscode.house.gov/us/usc/119-134/t15/s1637/?utm_source=chatgpt.com) |\n| **R088-P1-S007 — CFPB; Appendix C and Supplement I Introduction** | [https://www.consumerfinance.gov/rules-policy/regulations/1026/c/](https://www.consumerfinance.gov/rules-policy/regulations/1026/c/?utm_source=chatgpt.com) [https://www.consumerfinance.gov/rules-policy/regulations/1026/interp-0/](https://www.consumerfinance.gov/rules-policy/regulations/1026/interp-0/?utm_source=chatgpt.com) | Complete displayed Appendix C, including official interpretations, request provision, and scope restriction; current Introduction paragraphs 1–4 as displayed. Reliance primarily on official status and the calculation-tool approval boundary. | Current-regulation labels. These are codified interpretation provisions, not a circular, bulletin, or advisory opinion. No request was prepared or sent. No actual tool approval is inferred. Access October 28 PDT. [Consumer Financial Protection Bureau+1](https://www.consumerfinance.gov/rules-policy/regulations/1026/c/?utm_source=chatgpt.com) |\n| **R088-P1-S008 — Congress; Credit CARD Act of 2009, Pub. L. 111-24** | [https://www.govinfo.gov/content/pkg/PLAW-111publ24/pdf/PLAW-111publ24.pdf](https://www.govinfo.gov/content/pkg/PLAW-111publ24/pdf/PLAW-111publ24.pdf?utm_source=chatgpt.com) | Complete § 3 effective-date clause, **123 Stat. 1735, PDF index 2**; complete § 201(a)–(c), **123 Stat. 1743–1745, indices 10–12**; enactment/title context at 123 Stat. 1734, index 1. | Enacted May 22, 2009. Historical adopted amendment, not a substitute for current § 1637. § 3 contains a nine-month default with an express “except as otherwise specifically provided” qualification; § 201(c) separately contains a rulemaking period. Parsed text only; selected Act clauses, not whole Act. Access October 28 PDT. [govinfo.gov+1](https://www.govinfo.gov/content/pkg/PLAW-111publ24/pdf/PLAW-111publ24.pdf?utm_source=chatgpt.com) |\n| **R088-P1-S009 — Federal Reserve Board; 2010 Regulation Z final rule** | [https://www.govinfo.gov/content/pkg/FR-2010-02-22/html/2010-624.htm](https://www.govinfo.gov/content/pkg/FR-2010-02-22/html/2010-624.htm?utm_source=chatgpt.com) [https://www.govinfo.gov/content/pkg/FR-2010-02-22/pdf/2010-624.pdf](https://www.govinfo.gov/content/pkg/FR-2010-02-22/pdf/2010-624.pdf?utm_source=chatgpt.com) | Dates clause at **75 FR 7658, index 0**; complete amendatory instruction 24 and M1(a)–(f), **75 FR 7846–7848, indices 188–190**; complete instruction 24a and M2, **7848, index 190**. Selected complete repayment-duration explanation and periodic-statement application paragraph. | Final rule published/effective February 22, 2010; selected statement obligations have that mandatory-compliance date, while other provisions have July 1, 2010. Historical Part 226 adoption. Original M1(f) used whole-dollar savings components; later amendment is S010. HTML and selected parsed PDF, not whole 268-page rule. Screenshot limitations retained. [govinfo.gov+6](https://www.govinfo.gov/content/pkg/FR-2010-02-22/html/2010-624.htm?utm_source=chatgpt.com) |\n| **R088-P1-S010 — Federal Reserve Board; 2011 amendment and correction** | [https://www.govinfo.gov/content/pkg/FR-2011-04-25/html/2011-8843.htm](https://www.govinfo.gov/content/pkg/FR-2011-04-25/html/2011-8843.htm?utm_source=chatgpt.com) [https://www.govinfo.gov/content/pkg/FR-2011-04-25/pdf/2011-8843.pdf](https://www.govinfo.gov/content/pkg/FR-2011-04-25/pdf/2011-8843.pdf?utm_source=chatgpt.com) [https://www.govinfo.gov/content/pkg/FR-2011-05-31/html/2011-12795.htm](https://www.govinfo.gov/content/pkg/FR-2011-05-31/html/2011-12795.htm?utm_source=chatgpt.com) | Complete instruction 15 revising M1(f), printed **76 FR 23004–23005**; HTML body complete, parsed PDF beginning at **index 56**. Dates at **22948, index 0**; IV.A–B and IV.E application provisions; relevant adopted § 226.7(b)(12) changes. Complete May 31 correction body, **76 FR 31221–31222**, HTML. | April 25, 2011 final amendment; effective and mandatory October 1, 2011; earlier compliance permitted. Prospective application, ordinarily existing and new accounts/balances; statement mailing/delivery trigger. Correction also effective October 1, 2011; its enumerated corrections do not revise M1. Historical printed cross-reference defects are not silently substituted for current text. Selected amendment, not whole 93-page rule. Access October 28 PDT. [govinfo.gov+5](https://www.govinfo.gov/content/pkg/FR-2011-04-25/html/2011-8843.htm?utm_source=chatgpt.com) |\n| **R088-P1-S011 — CFPB; 2011 Regulation Z republication** | [https://www.federalregister.gov/documents/2011/12/22/2011-31715/truth-in-lending-regulation-z](https://www.federalregister.gov/documents/2011/12/22/2011-31715/truth-in-lending-regulation-z?utm_source=chatgpt.com) | Dates; Authority and Issuance adding Part 1026; selected explanation of republication; complete republished M1(a)–(f), printed **76 FR 79914–79916**; complete M2, **79916–79917**. HTML printed-page markers; PDF index unavailable because PDF access failed. | Published December 22, 2011; interim final rule effective December 30, 2011. This is the original rulemaking’s official FederalRegister.gov HTML presentation, not an inspected official-print PDF. GovInfo HTML failed and PDF exceeded the retrieval limit. Subsequent finalization is S012. Access October 28 PDT. [federalregister.gov+5](https://www.federalregister.gov/documents/2011/12/22/2011-31715/truth-in-lending-regulation-z?utm_source=chatgpt.com) |\n| **R088-P1-S012 — CFPB; Finalization of Interim Final Rules, subject to intervening amendments** | [https://www.govinfo.gov/content/pkg/FR-2016-04-28/html/2016-09431.htm](https://www.govinfo.gov/content/pkg/FR-2016-04-28/html/2016-09431.htm?utm_source=chatgpt.com) | Dates and scope of finalization; operative Authority and Issuance opening and complete item M identifying the Regulation Z republication and listed intervening amendments. Printed **81 FR 25323, 25325–25326**; HTML. | Final rule/official interpretations, effective April 28, 2016. Finalization expressly preserves intervening amendments; reading its list is not reading all listed instruments. Access October 28 PDT. [govinfo.gov+2](https://www.govinfo.gov/content/pkg/FR-2016-04-28/html/2016-09431.htm?utm_source=chatgpt.com) |\n| **R088-P1-S013 — CFPB; 2024 Overdraft Lending final rule, narrow scope-conflict check** | [https://www.govinfo.gov/content/pkg/FR-2024-12-30/pdf/2024-29699.pdf](https://www.govinfo.gov/content/pkg/FR-2024-12-30/pdf/2024-29699.pdf?utm_source=chatgpt.com) | Dates clause, **89 FR 106768, index 0**; complete amendatory instruction 5 and replacement § 1026.2(a)(15)(i)–(iv), **106837, index 69**. | Published December 30, 2024, with a stated October 1, 2025 effective date. **Not treated as operative authority:** S014 disapproved the identified rule. Selected parsed text only, not whole 78-page rule or an overdraft dossier. HTML endpoint failed; PDF was readable. Access October 28 PDT. [govinfo.gov+3](https://www.govinfo.gov/content/pkg/FR-2024-12-30/pdf/2024-29699.pdf?utm_source=chatgpt.com) |\n| **R088-P1-S014 — Congress; Pub. L. 119-10, overdraft-rule disapproval** | [https://www.govinfo.gov/content/pkg/PLAW-119publ10/pdf/PLAW-119publ10.pdf](https://www.govinfo.gov/content/pkg/PLAW-119publ10/pdf/PLAW-119publ10.pdf?utm_source=chatgpt.com) | Complete operative resolution and approval line, **139 Stat. 53, PDF index 0**. | Enacted/approved May 9, 2025. Identifies the final rule at 89 FR 106768 and states it has no force or effect. Parsed text fully read; no visual verification claim. Does not itself authenticate every later amendment or every specialized account classification. Access October 28 PDT. [govinfo.gov](https://www.govinfo.gov/content/pkg/PLAW-119publ10/pdf/PLAW-119publ10.pdf?utm_source=chatgpt.com) |\n| **R088-P1-S015 — Congress/OLRC; 11 USC 111(a), narrow counseling-category incorporation** | [https://uscode.house.gov/us/usc/119-134/t11/s111/](https://uscode.house.gov/us/usc/119-134/t11/s111/?utm_source=chatgpt.com) | Complete § 111(a)(1)–(2), solely to distinguish approved nonprofit budget/credit-counseling agencies from approved financial-management instructional courses. | Compilation through Public Law 119-134, October 20, 2026. Section 109(h) service/eligibility predicates and the full approval regime are held. No roster or organization was opened. Access October 28 PDT. [uscode.house.gov](https://uscode.house.gov/us/usc/119-134/t11/s111/?utm_source=chatgpt.com) |\n\n## 2. Actual organization and scope of the calculation framework\n\nM1 has six lettered divisions. The **five calculation outputs** are a minimum-payment repayment duration, minimum-payment total cost, thirty-six-month monthly payment, thirty-six-month total cost, and the savings comparison between the two costs. Definitions precede them. M1 contains prose instructions and illustrations; the linked M2 supplies an algebraic/code illustration. [Consumer Financial Protection Bureau+3](https://www.consumerfinance.gov/rules-policy/regulations/1026/m1/?utm_source=chatgpt.com)\n\n| M1 location | Actual function | Legal/methodological distinction |\n| --- | --- | --- |\n| **(a)(1)–(2)** | Defines promotional terms and a deferred-interest or similar plan. | Defined categories are predicates; no actual promotion or expiry is established. |\n| **(b)(1)–(5)** | Minimum-payment duration: applicable formulas, APRs, starting balance, eleven selectable assumptions, and tolerance. | Applicable minimum formulas are inputs; M1 does not prescribe one universal minimum formula. |\n| **(c)** | Minimum-payment total cost. | Includes principal and interest; it is not interest alone. |\n| **(d)(1)–(4)** | Equal monthly payment for the thirty-six-month comparison, permitted weighted-rate method, alternatives, assumptions, and tolerance. | Weighted-rate calculation is permitted, not the exclusive method. |\n| **(e)** | Total cost under the thirty-six-month payment estimate. | Depends on the paragraph (d) estimate and its specified accuracy treatment. |\n| **(f)** | Savings comparison. | Subtracts separately rounded cost components; does not calculate settlement, tax, provider-fee, or other net savings. |\n\nThe underlying duty is conditional. Section 1026.7(b)(12) addresses a **credit card account under an open-end, not home-secured consumer credit plan**, subject to its own exceptions and the periodic-statement framework. The definitions distinguish consumer purpose, credit access, open-end characteristics, and excluded account categories. They do not make every loan, transfer, consolidation, or debt-relief arrangement subject to M1. [Consumer Financial Protection Bureau+4](https://www.consumerfinance.gov/rules-policy/regulations/1026/7/?utm_source=chatgpt.com)\n\n## 3. Atomic claim register\n\n### 3A. Source status, authority, definitions, and disclosure applicability\n\n| Claim ID | Supported proposition | Conditions, exceptions, and limits | Exact authority |\n| --- | --- | --- | --- |\n| **R088-P1-C001** | Current displayed M1 consists of (a)–(f), including two definitions and eleven paragraph (b)(4) assumptions. | No missing or reserved M1 subdivision was identified in the complete body read. M2 is a separate linked appendix. | S001, complete body; S002 introduction. [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/rules-policy/regulations/1026/m1/?utm_source=chatgpt.com) |\n| **R088-P1-C002** | CFPB labels the displayed M1 current; eCFR supplied a title-level currency date. | Neither label establishes an exhaustive later-law or judicial-history chain. | S001 banners; S009–S012 selected history. [Consumer Financial Protection Bureau+1](https://www.consumerfinance.gov/rules-policy/regulations/1026/m1/?utm_source=chatgpt.com) |\n| **R088-P1-C003** | Retrieved official displays had different currency labels and a substantive definition discrepancy. | The M2 and § 1026.2 retrieval labels cannot be substituted for M1’s label; the overdraft discrepancy requires S013–S014. | S002, S004, S013–S014. [ecfr.gov+3](https://www.ecfr.gov/current/title-12/chapter-X/part-1026/appendix-Appendix%20M2%20to%20Part%201026?utm_source=chatgpt.com) |\n| **R088-P1-C004** | Regulation Z is issued by CFPB to implement TILA; § 1604(a) directs regulations and permits specified adjustments/classifications/exceptions. | Section 1604(a)’s express mortgage-related qualification is preserved; the referenced mortgage regime is not analyzed here. | S004 § 1026.1(a); S006 § 1604(a). [Consumer Financial Protection Bureau+1](https://www.consumerfinance.gov/rules-policy/regulations/1026/1/?utm_source=chatgpt.com) |\n| **R088-P1-C005** | Section 1637(b)(11) requires specified repayment information, including minimum-payment duration/cost and a thirty-six-month payment/cost comparison. | Statutory assumptions include no further advances; cost includes principal and interest. The periodic-statement introductory condition also matters. | S006 § 1637(b) introduction; (b)(11)(A)–(B). [uscode.house.gov+2](https://uscode.house.gov/us/usc/119-134/t15/s1637/?utm_source=chatgpt.com) |\n| **R088-P1-C006** | The statute uses disclosure-date rates, with a separate temporary-rate/index-or-formula transition instruction. | The temporary rate applies for its contractual duration, then the index/formula on the applicable billing date. No actual rate or contractual duration is known. | S006 § 1637(b)(11)(C)(i)–(ii). [uscode.house.gov](https://uscode.house.gov/us/usc/119-134/t15/s1637/?utm_source=chatgpt.com) |\n| **R088-P1-C007** | Statutory repayment information must follow prescribed form, prominence, table, ordering, and understandable-terminology requirements. | These are disclosure requirements, not proof that any particular statement or tool complies. | S006 § 1637(b)(11)(D)–(G). [uscode.house.gov+2](https://uscode.house.gov/us/usc/119-134/t15/s1637/?utm_source=chatgpt.com) |\n| **R088-P1-C008** | Statutory months wording and the regulation’s years-for-longer-periods display rule are not identical. | The 2010 adoption expressly explains the adjustment under statutory authority. That explanation is not an independent judicial ruling on validity or application. | S006 § 1637(b)(11)(B)(i); S003 § 7(b)(12)(i)(B); S009 selected rounding explanation. [uscode.house.gov+2](https://uscode.house.gov/us/usc/119-134/t15/s1637/?utm_source=chatgpt.com) |\n| **R088-P1-C009** | Consumer credit is credit offered or extended primarily for personal, family, or household purposes; “consumer” has the regulation’s defined meaning. | Special extensions of “consumer” for other sections do not erase the purpose restriction of this selected disclosure category. | S004 § 2(a)(11)–(12). [Consumer Financial Protection Bureau+1](https://www.consumerfinance.gov/rules-policy/regulations/1026/2/?utm_source=chatgpt.com) |\n| **R088-P1-C010** | Card issuer includes the issuing person or its agent regarding the card; cardholder and person are separately defined. | Cardholder’s broader business-use definition is expressly for § 1026.12(a)–(b), not a blanket expansion of M1. Agency or payment responsibility is not established for anyone. | S004 § 2(a)(7), (8), (22). [ecfr.gov+1](https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-A/section-1026.2?utm_source=chatgpt.com) |\n| **R088-P1-C011** | Open-end credit requires a plan satisfying repeated-transaction contemplation, possible finance charge on unpaid balance, and replenishment as balances are repaid. | All three regulatory conditions matter; a marketing label alone is insufficient. | S004 § 2(a)(14), (20)(i)–(iii). [Consumer Financial Protection Bureau+1](https://www.consumerfinance.gov/rules-policy/regulations/1026/2/?utm_source=chatgpt.com) |\n| **R088-P1-C012** | A credit card is a card, plate, or other single credit device usable from time to time to obtain credit; CFPB’s body includes hybrid prepaid-credit cards by cross-reference. | Complete § 1026.61 classification is held; no conclusion about a particular device, transfer, or prepaid feature follows. | S004 § 2(a)(15)(i). [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/rules-policy/regulations/1026/2/?utm_source=chatgpt.com) |\n| **R088-P1-C013** | CFPB’s account definition excludes a card-accessed § 1026.40 home-equity plan and specified overdraft lines, with an account-number/hybrid-prepaid exception. | The exception refers to a covered separate credit feature under § 1026.61; that specialized predicate remains unresolved here. | S004 § 2(a)(15)(ii)(A)–(C). [Consumer Financial Protection Bureau+1](https://www.consumerfinance.gov/rules-policy/regulations/1026/2/?utm_source=chatgpt.com) |\n| **R088-P1-C014** | “Charge card” is defined by absence of a periodic rate used to calculate a finance charge. | That definition is distinct from the specific full-balance-payment condition in the repayment-disclosure exemption. | S004 § 2(a)(15)(iii); S003 § 7(b)(12)(v)(A). [Consumer Financial Protection Bureau+1](https://www.consumerfinance.gov/rules-policy/regulations/1026/2/?utm_source=chatgpt.com) |\n| **R088-P1-C015** | The eCFR definition wording matched the adopted 2024 overdraft amendment, which Public Law 119-10 disapproved. | The resolution says the identified rule has no force or effect. The displayed expansion is not relied on as operative coverage; complete later-law/codifier history remains held. | S013 instruction 5; S014 operative clause. [govinfo.gov+2](https://www.govinfo.gov/content/pkg/FR-2024-12-30/pdf/2024-29699.pdf?utm_source=chatgpt.com) |\n| **R088-P1-C016** | For Subpart B, § 2(a)(17)(iii) includes an issuer extending open-end credit, or credit without a finance charge and not payable by written agreement in more than four installments. | This is a particular creditor-definition route; other routes and full jurisdictional exemptions are not resolved. | S004 § 2(a)(17)(iii). [ecfr.gov](https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-A/section-1026.2?utm_source=chatgpt.com) |\n| **R088-P1-C017** | A billing cycle is the interval between regular periodic statements; the regulatory definition requires equal intervals no longer than a quarter-year, with specified four-day variance. | Selected commentary distinguishes first and transitional cycles for equality. This does not prescribe M1’s optional equal-month calculation convention as an actual billing term. | S004 § 2(a)(4); comment 2(a)(4)-3. [ecfr.gov+1](https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-A/section-1026.2?utm_source=chatgpt.com) |\n| **R088-P1-C018** | A periodic rate is a finance-charge rate applicable to a balance for a subdivision of a year. | A monthly/daily calculation convention is not proof of the actual account’s APR or accrual method. | S004 § 2(a)(21). [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/rules-policy/regulations/1026/2/?utm_source=chatgpt.com) |\n| **R088-P1-C019** | Section 5(b)(2)(i) generally requires a statement for a cycle ending with a debit or credit balance over $1, or one on which a finance charge was imposed. | The alternatives and the exceptions in the same paragraph must be retained. | S005 § 5(b)(2)(i). [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/rules-policy/regulations/1026/5/?utm_source=chatgpt.com) |\n| **R088-P1-C020** | Statement exceptions include deemed-uncollectible accounts, instituted delinquency proceedings, qualifying charge-off with no further fees/interest, or conflict with federal law. | Commentary defines cessation of collection efforts and distinguishes adjudicatory proceedings from mere assignment to a collector. No debt release is established. | S005 § 5(b)(2)(i); comments -3 and -4. [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/rules-policy/regulations/1026/5/?utm_source=chatgpt.com) |\n| **R088-P1-C021** | Ending draw privileges without conversion to closed-end credit does not itself eliminate otherwise-required periodic statements. | The comment includes a workout that is not converted to a closed-end transaction. No actual workout is examined. | S005 comment 5(b)(2)(i)-2. [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/rules-policy/regulations/1026/5/?utm_source=chatgpt.com) |\n| **R088-P1-C022** | Subject to its exceptions, § 7(b)(12) requires repayment disclosures on each periodic statement for its defined credit-card-account category. | Coverage, statement requirement, qualifying category, and exceptions are separate questions. | S003 § 7(b)(12)(i). [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/rules-policy/regulations/1026/7/?utm_source=chatgpt.com) |\n| **R088-P1-C023** | Repayment disclosures are exempt for charge-card accounts requiring payment of outstanding balances in full at each cycle end. | This is not an exemption for every account called a charge card without checking the stated condition. | S003 § 7(b)(12)(v)(A). [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/rules-policy/regulations/1026/7/?utm_source=chatgpt.com) |\n| **R088-P1-C024** | Another exemption applies to the cycle immediately following two consecutive cycles meeting the full-payment, zero-balance, or credit-balance condition. | One qualifying cycle alone does not establish this exemption. | S003 § 7(b)(12)(v)(B). [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/rules-policy/regulations/1026/7/?utm_source=chatgpt.com) |\n| **R088-P1-C025** | A cycle is exempt when its required minimum would pay its entire outstanding balance. | The comment includes an immediately-due full balance on a charged-off account; this concerns disclosure, not extinguishment. | S003 § 7(b)(12)(v)(C); comment -1. [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/rules-policy/regulations/1026/7/?utm_source=chatgpt.com) |\n| **R088-P1-C026** | The thirty-six-month comparison is not required when the disclosed minimum-payment duration, after rounding, is three years or less. | This is an exception to the comparison disclosures, not necessarily all repayment disclosures. | S003 § 7(b)(12)(i)(F)(2)(i); comment (F)-1. [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/rules-policy/regulations/1026/7/?utm_source=chatgpt.com) |\n| **R088-P1-C027** | The comparison is also not required when its rounded monthly estimate is less than that cycle’s required minimum. | The comparison is strict “less than,” and uses the specified rounding. | S003 § 7(b)(12)(i)(F)(2)(ii). [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/rules-policy/regulations/1026/7/?utm_source=chatgpt.com) |\n| **R088-P1-C028** | A further comparison exception requires both a revolving-feature balance without fixed-time contractual amortization and a fixed-repayment-feature balance amortizing in a contractual period below thirty-six months. | Both feature conditions and the strict duration condition matter. | S003 § 7(b)(12)(i)(F)(2)(iii). [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/rules-policy/regulations/1026/7/?utm_source=chatgpt.com) |\n| **R088-P1-C029** | Negative or no amortization triggers a replacement disclosure set. | It includes prescribed warnings, the thirty-six-month payment estimate and accompanying statement, and counseling-information number; no finite minimum-payment payoff period is invented. | S003 § 7(b)(12)(ii)(A)–(E). [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/rules-policy/regulations/1026/7/?utm_source=chatgpt.com) |\n| **R088-P1-C030** | Duration below two years is disclosed in months; otherwise in years rounded to a whole year. | The original adoption explains the half-year rounding boundary; no actual calendar calculation follows. | S003 § 7(b)(12)(i)(B); S009 rounding explanation. [Consumer Financial Protection Bureau+1](https://www.consumerfinance.gov/rules-policy/regulations/1026/7/?utm_source=chatgpt.com) |\n| **R088-P1-C031** | The issuer chooses dollar or cent rounding for the specified monetary disclosures, but must use the choice consistently. | It may not mix whole-dollar and cent display rounding among those disclosures. | S003 comment 7(b)(12)-1. [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/rules-policy/regulations/1026/interp-7/?utm_source=chatgpt.com) |\n| **R088-P1-C032** | Repayment disclosures have proximity/grouping and substantially-similar-format requirements. | § 7(b)(13) and G-18 samples are referenced; no sample-image or actual-statement visual compliance finding is made. | S003 § 7(b)(12)(iii), (b)(13), comment 7(b)(13)-1. [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/rules-policy/regulations/1026/7/?utm_source=chatgpt.com) |\n\n### 3B. Complete M1 calculation instructions\n\n| Claim ID | Supported proposition | Conditions, exceptions, and limits | Exact authority |\n| --- | --- | --- | --- |\n| **R088-P1-C033** | Promotional terms are account terms expiring in a fixed period set by the issuer. | The definition does not itself supply the period or actual terms. | S001(a)(1). [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/rules-policy/regulations/1026/m1/?utm_source=chatgpt.com) |\n| **R088-P1-C034** | A deferred-interest or similar plan avoids obligation for accrued interest if the relevant balance/transactions are paid in full before the specified period expires. | “Prior to expiration” is preserved; no actual completion or grace period is established. | S001(a)(2). [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/rules-policy/regulations/1026/m1/?utm_source=chatgpt.com) |\n| **R088-P1-C035** | The minimum-payment estimate uses applicable minimum-payment formulas; with multiple formulas, each applies to its relevant balance portion and the longest calculated period is disclosed. | M1’s formula illustration is not a universal minimum-payment formula. | S001(b)(1). [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/rules-policy/regulations/1026/m1/?utm_source=chatgpt.com) |\n| **R088-P1-C036** | Promotional payment terms may be disregarded, or used until expiration followed by the successor formula. | They may not be extended beyond expiration throughout a longer payoff estimate. This permission concerns payment terms, not the separate APR rule. | S001(b)(1), complete promotional-payment paragraphs. [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/rules-policy/regulations/1026/m1/?utm_source=chatgpt.com) |\n| **R088-P1-C037** | Applicable APRs must be used for the balance portions to which they apply. | No universal rate or actual rate is established. | S001(b)(2), opening sentence. [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/rules-policy/regulations/1026/m1/?utm_source=chatgpt.com) |\n| **R088-P1-C038** | Non-deferred-interest promotional APRs must be used until expiration, then the applicable successor APR; a variable successor uses the applicable index/formula. | The successor variable rate is considered accurate if in effect within the last thirty days before the estimate is provided. | S001(b)(2). [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/rules-policy/regulations/1026/m1/?utm_source=chatgpt.com) |\n| **R088-P1-C039** | Deferred-interest treatment depends on whether minimum payments will pay the balance in full before expiration. | If they will, use zero APR for the affected balance. If they may not, assume accrued interest will be owed and use the accrual APR. This is a disclosure assumption, not a finding about actual future performance. | S001(b)(2), deferred-interest paragraphs. [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/rules-policy/regulations/1026/m1/?utm_source=chatgpt.com) |\n| **R088-P1-C040** | The starting balance is the outstanding balance at the last billing cycle’s closing date. | Rounding that starting balance to the nearest whole dollar is permitted. | S001(b)(3). [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/rules-policy/regulations/1026/m1/?utm_source=chatgpt.com) |\n| **R088-P1-C041** | For each listed paragraph (b)(4) term, the issuer may use the stated assumption or the applicable account term. | The list must not be represented as eleven universally mandatory contractual terms. | S001(b)(4), introductory sentence. [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/rules-policy/regulations/1026/m1/?utm_source=chatgpt.com) |\n| **R088-P1-C042** | One permitted assumption is only minimum monthly payments, made every month, without cancellation/suspension/skip-payment features. | Subject to the term-by-term choice in C041. It is not an instruction to a consumer to make or omit a payment. | S001(b)(4)(i). [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/rules-policy/regulations/1026/m1/?utm_source=chatgpt.com) |\n| **R088-P1-C043** | One permitted assumption is no additional credit, purchases, transactions, fees, charges, other activity, refunds, or rebates. | This does not identify the composition of the existing statement balance or prove actual future fees will be absent. | S001(b)(4)(ii), (b)(3). [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/rules-policy/regulations/1026/m1/?utm_source=chatgpt.com) |\n| **R088-P1-C044** | Rates may be assumed unchanged except for paragraph (b)(2)’s rules. | The source permits assuming a currently applicable penalty APR continues despite possible later return to a non-penalty APR. No prediction of actual rate treatment follows. | S001(b)(4)(iii). [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/rules-policy/regulations/1026/m1/?utm_source=chatgpt.com) |\n| **R088-P1-C045** | No grace period is a permitted assumption. | It does not remove any actual contractual or legal grace-period rights. | S001(b)(4)(iv), subject to C041. [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/rules-policy/regulations/1026/m1/?utm_source=chatgpt.com) |\n| **R088-P1-C046** | The final payment may be assumed to pay the account in full with no residual finance charge after the final month. | It is not an actual payoff statement or release. | S001(b)(4)(v). [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/rules-policy/regulations/1026/m1/?utm_source=chatgpt.com) |\n| **R088-P1-C047** | Average daily balance is a permitted balance-calculation assumption. | This does not establish the method required by an actual agreement. | S001(b)(4)(vi). [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/rules-policy/regulations/1026/m1/?utm_source=chatgpt.com) |\n| **R088-P1-C048** | Equal-length months, ignored leap year, and monthly or daily periodic rates are permitted; the daily alternatives pair 365 days with 30.41667-day months, or 360 days with 30-day months. | The pairs are source conventions; they are not actual calendar lengths. | S001(b)(4)(vii). [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/rules-policy/regulations/1026/m1/?utm_source=chatgpt.com) |\n| **R088-P1-C049** | Crediting payments on the last day of the month or billing cycle is a permitted assumption. | No actual posting deadline, receipt rule, or payment due date is supplied. | S001(b)(4)(viii). [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/rules-policy/regulations/1026/m1/?utm_source=chatgpt.com) |\n| **R088-P1-C050** | Allocation to lower-APR balances before higher-APR balances is a permitted calculation assumption. | This is not an investigation or statement of actual payment-allocation law; § 1026.53 remains a separate, unexamined component. | S001(b)(4)(ix), introductory choice clause. [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/rules-policy/regulations/1026/m1/?utm_source=chatgpt.com) |\n| **R088-P1-C051** | The account may be assumed not past due and not over its credit limit. | No actual status or consequence is established. | S001(b)(4)(x). [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/rules-policy/regulations/1026/m1/?utm_source=chatgpt.com) |\n| **R088-P1-C052** | Assumed monthly payments, current balance, and monthly interest charges may be rounded to the nearest cent. | M1 refers to M2; it does not supply a complete machine-arithmetic or currency-tie specification. | S001(b)(4)(xi); S002. [Consumer Financial Protection Bureau+1](https://www.consumerfinance.gov/rules-policy/regulations/1026/m1/?utm_source=chatgpt.com) |\n| **R088-P1-C053** | The duration estimate is considered accurate within two months above or below the proper benchmark, before the years-display rounding. | The benchmark must respect the issuer’s choice of actual account terms instead of a listed assumption. | S001(b)(5), first sentence. [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/rules-policy/regulations/1026/m1/?utm_source=chatgpt.com) |\n| **R088-P1-C054** | A separate sufficient accuracy route exists when the correct rounded number of years is disclosed, even if the underlying duration differs by more than two months. | This is the source’s years-disclosure route, not a general license to substitute any duration or to invent a finite result. | S001(b)(5), remaining paragraphs. [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/rules-policy/regulations/1026/m1/?utm_source=chatgpt.com) |\n| **R088-P1-C055** | Minimum-payment total cost totals principal and interest over the calculated minimum-payment duration and is deemed accurate when based on a duration satisfying (b)(5). | Both duration-accuracy routes matter. M1 does not establish a separate universal percentage tolerance for this cost. | S001(c). [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/rules-policy/regulations/1026/m1/?utm_source=chatgpt.com) |\n| **R088-P1-C056** | The comparison estimates a payment sufficient to pay the statement balance within thirty-six months while assuming the same amount each month for thirty-six months. | The estimate is not a contractual payment change or affordability finding. | S001(d)(1). [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/rules-policy/regulations/1026/m1/?utm_source=chatgpt.com) |\n| **R088-P1-C057** | A balance-weighted APR method is permitted for the comparison. | It uses applicable APRs and the portions of the balance to which they apply; it is not exclusive. | S001(d)(2), opening sentence. [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/rules-policy/regulations/1026/m1/?utm_source=chatgpt.com) |\n| **R088-P1-C058** | When that method is used with a non-deferred promotional APR, the promotional and successor rates are weighted by the fractions of the thirty-six-month comparison for which each applies. | Actual duration and successor rate remain necessary inputs. | S001(d)(2). [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/rules-policy/regulations/1026/m1/?utm_source=chatgpt.com) |\n| **R088-P1-C059** | Deferred-interest treatment in the weighted-rate comparison again uses the **minimum-payment-before-expiration** test. | It does not simply assume that paying the thirty-six-month estimate avoids deferred interest. | S001(d)(2), deferred-interest paragraphs. [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/rules-policy/regulations/1026/m1/?utm_source=chatgpt.com) |\n| **R088-P1-C060** | A method other than weighted APR is permitted if it produces the same payment each month and the total pays the statement balance within thirty-six months. | Both conditions are necessary; no alternative implementation is created here. | S001(d)(2), final sentence. [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/rules-policy/regulations/1026/m1/?utm_source=chatgpt.com) |\n| **R088-P1-C061** | The comparison must use paragraph (b)’s terms as appropriate. | “As appropriate” does not authorize ignoring the comparison’s equal-payment requirement or the special rate rules. | S001(d)(3). [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/rules-policy/regulations/1026/m1/?utm_source=chatgpt.com) |\n| **R088-P1-C062** | The comparison payment is considered accurate if no more than ten percent above or below the proper estimate after the referenced rounding. | This tolerance concerns the specified disclosure estimate, not proof of a website’s overall accuracy or compliance. | S001(d)(4). [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/rules-policy/regulations/1026/m1/?utm_source=chatgpt.com) |\n| **R088-P1-C063** | The thirty-six-month total cost totals principal and interest paid using the paragraph (d) monthly payment for thirty-six months. | It is considered accurate when based on a payment calculated in accordance with (d). | S001(e). [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/rules-policy/regulations/1026/m1/?utm_source=chatgpt.com) |\n| **R088-P1-C064** | Savings subtracts the separately rounded thirty-six-month cost from the separately rounded minimum-payment cost. | The same dollar-or-cent display choice governs both components; rounding only the raw difference is not the stated sequence. | S001(f); S003 comment 7(b)(12)-1. [Consumer Financial Protection Bureau+1](https://www.consumerfinance.gov/rules-policy/regulations/1026/m1/?utm_source=chatgpt.com) |\n| **R088-P1-C065** | Savings accuracy depends on compliant paragraph (c) and (e) costs. | The defined comparison does not establish realized savings, settlement savings, or savings net of unexamined fees, taxes, or unresolved obligations. | S001(c), (e), (f); bounded scope inference. [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/rules-policy/regulations/1026/m1/?utm_source=chatgpt.com) |\n\n### 3C. Linked sample, official interpretations, and ancillary information duties\n\n| Claim ID | Supported proposition | Conditions, exceptions, and limits | Exact authority |\n| --- | --- | --- | --- |\n| **R088-P1-C066** | M2 labels its calculation an example using three APRs, one promotional, and a specified minimum formula. | Its supplied parameters are source illustrations, not new inputs for this report. | S002 introduction and code comments. [federalregister.gov](https://www.federalregister.gov/documents/2011/12/22/2011-31715/truth-in-lending-regulation-z?utm_source=chatgpt.com) |\n| **R088-P1-C067** | M2 computes its periodic rates by dividing the decimal annual rate by 365 and multiplying by its month-length parameter, 365/12. | This is the sample’s selected convention, not an actual APR determination under all of Regulation Z. | S002 periodic-rate statements; S009 M2, 7848/index 190. [Consumer Financial Protection Bureau+1](https://www.consumerfinance.gov/rules-policy/regulations/1026/m2/?utm_source=chatgpt.com) |\n| **R088-P1-C068** | M2 time-weights its promotional periodic rate and successor periodic rate using expm/36. | Its sentinel and promotional-period parameter require context; the sample is not a general expiry-date engine. | S002 xperrate1a statement. [federalregister.gov](https://www.federalregister.gov/documents/2011/12/22/2011-31715/truth-in-lending-regulation-z?utm_source=chatgpt.com) |\n| **R088-P1-C069** | M2 forms a balance-weighted periodic rate by dividing the sum of balance-times-rate products by total balance. | The displayed division needs a nonzero denominator; no zero-total-balance branch is supplied there. | S002 perrate36 statement. [federalregister.gov](https://www.federalregister.gov/documents/2011/12/22/2011-31715/truth-in-lending-regulation-z?utm_source=chatgpt.com) |\n| **R088-P1-C070** | M2 uses a present-value annuity factor, rounds the resulting monthly payment to cents, and multiplies it by thirty-six for sample comparison cost. | The displayed factor divides by the periodic rate and does not state a zero-rate branch. | S002 pvaf, pmt01, sumpmts36. [federalregister.gov](https://www.federalregister.gov/documents/2011/12/22/2011-31715/truth-in-lending-regulation-z?utm_source=chatgpt.com) |\n| **R088-P1-C071** | The sample’s minimum-payment loop calculates the percentage payment from the opening total, applies its dollar floor, then calculates rounded post-interest balances. | The order is source-specific. It is not a universal contractual minimum or universal interest-first rule. | S002 loop through fc. [ecfr.gov+1](https://www.ecfr.gov/current/title-12/chapter-X/part-1026/appendix-Appendix%20M2%20to%20Part%201026?utm_source=chatgpt.com) |\n| **R088-P1-C072** | The sample changes its first periodic rate when month >= expm and expm != 0. | The code comment calls expm the last promotional month. That marker is not translated here into an actual contractual expiry event or silently changed. | S002 promotional comments and loop; S009 original parsed code. [federalregister.gov+1](https://www.federalregister.gov/documents/2011/12/22/2011-31715/truth-in-lending-regulation-z?utm_source=chatgpt.com) |\n| **R088-P1-C073** | M2’s final-payment branch sequentially assigns the payment from each positive component balance when its stated trigger occurs. | It does not print a general min(payment,total balance) cap for arbitrary inputs. No generalized replacement is invented. | S002 final-payment branch; S009 M2. [ecfr.gov+1](https://www.ecfr.gov/current/title-12/chapter-X/part-1026/appendix-Appendix%20M2%20to%20Part%201026?utm_source=chatgpt.com) |\n| **R088-P1-C074** | M2 has three separate allocation if blocks with the conditions transcribed in § 4 below. | They are preserved as written, not converted into a universal mutually exclusive allocation routine. | S002 allocation blocks. [ecfr.gov+1](https://www.ecfr.gov/current/title-12/chapter-X/part-1026/appendix-Appendix%20M2%20to%20Part%201026?utm_source=chatgpt.com) |\n| **R088-P1-C075** | The sample accumulates payments, updates total balance, repeats while total balance is positive, and subtracts whole-dollar-rounded costs for sample savings. | Its output label expecting zero balance is not an execution result. Whole-dollar savings is one current permissible choice, not the only choice. | S002 end of loop and savtot; S001(f). [Consumer Financial Protection Bureau+1](https://www.consumerfinance.gov/rules-policy/regulations/1026/m2/?utm_source=chatgpt.com) |\n| **R088-P1-C076** | M2 does not expressly provide general branches for zero-rate division, zero total balance, non-amortization, arbitrary negative inputs, or all promotional/allocation configurations. | This is a bounded observation about the complete sample read. The regulator’s prose and disclosure exceptions remain controlling; no missing algorithm is supplied. | S002 complete code; S001(d)(2); S003 § 7(b)(12)(ii), (v). [federalregister.gov+2](https://www.federalregister.gov/documents/2011/12/22/2011-31715/truth-in-lending-regulation-z?utm_source=chatgpt.com) |\n| **R088-P1-C077** | Supplement I is the vehicle for official Regulation Z interpretations. | It is not a CFPB circular or advisory opinion. No circular/bulletin/advisory opinion is relied upon in this report. | S007 Introduction ¶¶ 1–2; Appendix C. [Consumer Financial Protection Bureau+1](https://www.consumerfinance.gov/rules-policy/regulations/1026/c/?utm_source=chatgpt.com) |\n| **R088-P1-C078** | Section 1640(f) provides a specified good-faith-conformity protection even if the relevant rule or interpretation is later changed or invalidated. | It identifies particular liability provisions and authorized interpretations. Actual good faith, conformity, authorization, and liability are absent; §§ 1607 and 1611 are not comprehensively analyzed. | S006 § 1640(f), complete paragraph. [uscode.house.gov](https://uscode.house.gov/us/usc/119-134/t15/s1640/?utm_source=chatgpt.com) |\n| **R088-P1-C079** | Appendix C says interpretations will not approve creditors’ forms, statements, or calculation tools/methods, with an exception for government-required or sanctioned ones. | Reading M1 or copying M2 is not an approval of an actual tool. | S007, “Scope of Interpretations.” [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/rules-policy/regulations/1026/c/?utm_source=chatgpt.com) |\n| **R088-P1-C080** | The toll-free information duty covers at least three approved counseling organizations, to the extent official information is available, and requires at-least-annual updating. | The issuer selects the billing-address state or consumer-specified state. No organization, address, or roster was queried. | S003 § 7(b)(12)(iv)(A)–(B). [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/rules-policy/regulations/1026/7/?utm_source=chatgpt.com) |\n| **R088-P1-C081** | Approved budget/credit-counseling agencies and approved personal-financial-management courses are distinct referenced categories. | A course approval under § 111(a)(2) does not substitute for the referenced § 111(a)(1) category. Full approval/eligibility predicates remain held. | S015 § 111(a); S003 comment 7(b)(12)(iv)-1. [uscode.house.gov+1](https://uscode.house.gov/us/usc/119-134/t11/s111/?utm_source=chatgpt.com) |\n| **R088-P1-C082** | Commentary permits use of official-source information and certain organization-requested alternate details, but requires omission if the approved organization requests it. | It does not require unavailable official information. No actual request or listing is examined. | S003 comment 7(b)(12)(iv)-2.i–ii. [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/rules-policy/regulations/1026/7/?utm_source=chatgpt.com) |\n| **R088-P1-C083** | Additional language-service information or an official-site pointer may be provided. | Merely giving the specified official-site address does not itself assert approval for purposes of the separate approval-description condition. | S003 comment 7(b)(12)(iv)-2.iii. [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/rules-policy/regulations/1026/interp-7/?utm_source=chatgpt.com) |\n| **R088-P1-C084** | If approval is described, the commentary requires qualifications about minimum pre-bankruptcy standards, unreviewed other services, and non-endorsement. | Approval is not a universal recommendation or validation of all services. | S003 comment 7(b)(12)(iv)-2.iv.A–C. [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/rules-policy/regulations/1026/interp-7/?utm_source=chatgpt.com) |\n| **R088-P1-C085** | Automated/general-service telephone systems, third-party maintenance, and an additional website route are permitted subject to stated conditions. | The counseling option must be prominent; the first-menu condition allows a preceding language menu. A website is additional to the required number, with the specified direct-access/official-site alternative. | S003 comments 7(b)(12)(iv)-3 through -6. [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/rules-policy/regulations/1026/7/?utm_source=chatgpt.com) |\n| **R088-P1-C086** | Requested counseling information must precede advertising/marketing, except the issuer’s name. | Educational material that does not solicit business is distinguished; the commentary applies the ordering rule to telephone and website routes. | S003 comment 7(b)(12)(iv)-7.i–ii. [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/rules-policy/regulations/1026/7/?utm_source=chatgpt.com) |\n\n### 3D. Adoption history and remaining legal/method limits\n\n| Claim ID | Supported proposition | Conditions and limits | Exact authority |\n| --- | --- | --- | --- |\n| **R088-P1-C087** | CARD Act § 201 adopted the repayment-information framework and related rulemaking instruction. | Original “Board” wording is historical; current statutory text uses “Bureau.” The complete original § 201 was read, but no current remedy calculation is made from its liability amendment. | S008 § 201(a)–(c); S006 current § 1637. [govinfo.gov+1](https://www.govinfo.gov/content/pkg/PLAW-111publ24/pdf/PLAW-111publ24.pdf?utm_source=chatgpt.com) |\n| **R088-P1-C088** | CARD Act § 3 supplies a nine-month default effective period, subject to specifically provided exceptions; § 201(c) separately sets a six-month guideline period. | No actual deadline is computed. A complete Act-wide exceptions history is not claimed. | S008 § 3; § 201(c)(1). [govinfo.gov+1](https://www.govinfo.gov/content/pkg/PLAW-111publ24/pdf/PLAW-111publ24.pdf?utm_source=chatgpt.com) |\n| **R088-P1-C089** | The 2010 final rule added Part 226 M1 and M2 through instructions 24 and 24a. | The older appendix title found in historical annual-code discovery is not substituted for the adopted repayment-disclosure body. | S009 instructions 24/24a and adopted appendices. [govinfo.gov+2](https://www.govinfo.gov/content/pkg/FR-2010-02-22/html/2010-624.htm?utm_source=chatgpt.com) |\n| **R088-P1-C090** | The 2010 rule’s selected repayment-statement requirements applied to statements mailed or delivered on or after February 22, 2010. | The rule distinguished this from July 1, 2010 compliance for other provisions. Receipt, payment due date, and mailing/delivery are not interchangeable triggers. | S009 Dates; selected “Content requirements (§ 226.7)” application paragraph. [govinfo.gov+1](https://www.govinfo.gov/content/pkg/FR-2010-02-22/html/2010-624.htm?utm_source=chatgpt.com) |\n| **R088-P1-C091** | The 2011 adopted revision to M1(f) added the cent-rounding alternative for cost-component subtraction. | Original whole-dollar-only wording is historical. The adopted publication contains a cross-reference misprint; current republished/codified text is separately read. | S010 instruction 15; S011 M1(f); S001(f). [govinfo.gov+2](https://www.govinfo.gov/content/pkg/FR-2011-04-25/html/2011-8843.htm?utm_source=chatgpt.com) |\n| **R088-P1-C092** | The 2011 amendment was effective/mandatory October 1, 2011, allowed earlier compliance, and described prospective application generally including existing and new accounts/balances. | Its periodic-statement trigger is mailing or delivery on/after that date, not later receipt. | S010 Dates; IV.A–B, E. [govinfo.gov+2](https://www.govinfo.gov/content/pkg/FR-2011-04-25/html/2011-8843.htm?utm_source=chatgpt.com) |\n| **R088-P1-C093** | The May 31, 2011 correction was read completely and does not enumerate an M1 revision. | This does not prove that no other correction or later amendment exists. | S010 correction, complete body. [govinfo.gov](https://www.govinfo.gov/content/pkg/FR-2011-05-31/html/2011-12795.htm?utm_source=chatgpt.com) |\n| **R088-P1-C094** | The December 2011 publication added CFPB Part 1026 and republished M1/M2; its effective date was December 30, 2011. | The rulemaking describes technical/conforming republication. This report does not independently certify every provision of that large rule. | S011 Dates, Authority and Issuance, M1/M2. [federalregister.gov+3](https://www.federalregister.gov/documents/2011/12/22/2011-31715/truth-in-lending-regulation-z?utm_source=chatgpt.com) |\n| **R088-P1-C095** | The April 2016 rule finalized the December 2011 interim rules subject to intervening amendments, including the identified Regulation Z publication. | Its amendment list is not a completed read of every listed instrument. | S012 Dates; Authority and Issuance, item M. [govinfo.gov+2](https://www.govinfo.gov/content/pkg/FR-2016-04-28/html/2016-09431.htm?utm_source=chatgpt.com) |\n| **R088-P1-C096** | Original-source failures and absent visual verification remain limitations. | Successful alternate HTML/parsed-PDF access does not retroactively establish access to failed originals or unseen pixels. | Source register and read/failure log below. |\n| **R088-P1-C097** | The selected methods do not provide a complete general algorithm for every input domain or full specialized-product classification. | Zero/negative input handling, all rounding ties, complete prepaid scope, actual contract conventions, and exhaustive later history remain unresolved where specified below. | S001–S005, S002 complete sample; bounded read-limit finding. |\n| **R088-P1-C098** | A disclosed duration, payment, cost, or savings estimate does not establish actual payoff, contractual amendment, creditor acceptance, release, or affordability. | These are distinct absent predicates, not alternative outputs supplied by M1. | S001(b)–(f); S003 § 7(b)(12); scope inference. [Consumer Financial Protection Bureau+2](https://www.consumerfinance.gov/rules-policy/regulations/1026/m1/?utm_source=chatgpt.com) |\n| **R088-P1-C099** | The selected sources do not supply empirical proof of behavioral benefit or a universal consumer ranking. | The report makes no causal, adherence, suitability, or realized-savings claim. | S001–S003, limited calculation/disclosure subject matter. |\n| **R088-P1-C100** | Actual APR determination, payment allocation, settlement/consolidation/transfer comparisons, garnishment, tax, and full remedies require separate authorities and facts. | Prior components are not incorporated; the identified pointers remain unexamined here. | Scope boundary from S001 and S003; parent holds. |\n\n## 4. Source-to-method specification and plain-text formulas\n\n### 4.1 Definitions used in the transcriptions\n\nThe following symbols describe the published instructions. They are **not populated account fields**.\n\n| Symbol | Meaning and unit | Source/limit |\n| --- | --- | --- |\n| B0 | Starting statement balance, USD | M1(b)(3), last billing-cycle closing balance; optional whole-dollar rounding. |\n| T_j | Minimum-payment repayment duration for balance portion governed by formula j, months | M1(b)(1); underlying calculation must follow applicable terms/selected assumptions. |\n| T_ref, T_issuer | Benchmark and issuer-computed durations before years-display rounding, months | M1(b)(5). |\n| Principal[t], Interest[t] | Principal and interest paid in calculation period t, USD | M1(c), (e); not an added fee taxonomy. |\n| C_min, C_36 | Minimum-payment and thirty-six-month total-cost estimates, USD | M1(c), (e). |\n| P_36 | Estimated USD amount of each monthly comparison payment | M1(d). |\n| round(x,q) | Round monetary amount x to the nearest increment q, or duration to the stated unit | Source prescribes nearest dollar/cent/year as applicable; a universal machine tie rule is not supplied. |\n| apr[i] | M2 annual rate expressed as a decimal fraction | Source sample rate input; not a verified actual APR. |\n| cbal[i] | M2 opening component balance, USD | The sample has three components. |\n| perrate[i], xperrate[i] | M2 decimal periodic rates for its assumed month | Its annual-rate conversion is specified below. |\n| expm, rrate | M2 promotional-period marker and successor annual decimal rate | The sample’s comment/conditional timing is preserved, not mapped to an actual expiry date. |\n| pmin, dmin | M2 percentage-of-balance factor and dollar payment floor | These are sample parameters, not M1’s universal minimum formula. |\n| xxxbal[i], fc, pmt | M2 rounded post-interest component balance, monthly finance charge, and monthly payment, USD | Exact sample ordering below. |\n\n### F01 — Minimum-payment duration and total cost\n\nM1 requires applicable formulas; it does not print a single universal minimum-payment recurrence. For multiple applicable formulas, its longest-period rule can be transcribed as follows. C035, C040–C055 apply.\n\nPlain text\n```\nFor each applicable minimum-payment formula j:\n    T_j = repayment duration calculated for the balance portion\n          to which formula j applies, using M1's required inputs\n          and the selected permitted assumptions/account terms.\n\nT_account = max(T_1, T_2, ..., T_k)\nUnits: months before the required duration-display conversion.\n\nC_min = sum(Principal[t] + Interest[t], over the calculated\n            minimum-payment repayment period)\nUnits: USD.\n\nThis is not:\n    a universal minimum-payment formula;\n    a contractual payoff quote; or\n    permission to invent a finite T_account when no amortization occurs.\n```\n\nFor negative or no amortization, the separate § 7(b)(12)(ii) disclosure route applies. The absence of a finite minimum-payment result does not authorize an invented payoff duration. C029.\n\n### F02 — M2’s periodic-rate, weighting, and equal-payment illustration\n\nThe next formulas reproduce the **linked source example’s method**, with its inputs left unpopulated. They are not a new financial example. M1 permits other methods meeting C060.\n\nPlain text\n```\nM2 month-length convention:\n    days = 365 / 12\nUnits: assumed days per calculation month.\n\nFor i = 1, 2, 3:\n    xperrate[i] = (apr[i] / 365) * days\nUnits: decimal rate per assumed calculation month.\n\nIf expm > 0:\n    xperrate1a =\n        (expm / 36) * xperrate[1]\n        + (1 - expm / 36) * (rrate / 365) * days\nOtherwise:\n    xperrate1a = xperrate[1]\n\ntbal = cbal[1] + cbal[2] + cbal[3]\nUnits: USD.\n\nperrate36 =\n    (cbal[1] * xperrate1a\n     + cbal[2] * xperrate[2]\n     + cbal[3] * xperrate[3]) / tbal\nUnits: decimal rate per assumed calculation month.\n\nN = 36\nUnits: number of monthly payments.\n\npvaf = (1 - (1 + perrate36) ** (-N)) / perrate36\n\npmt01 = round(tbal / pvaf, 0.01 USD)\nUnits: USD per monthly payment.\n\nsumpmts36 = pmt01 * 36\nUnits: USD.\n```\n\n** means exponentiation. The displayed divisions require valid denominators. **The source code does not print a zero-total-balance or zero-periodic-rate branch for these expressions.** No limiting formula or software fallback is invented here. M1(d)(2)’s prose governs the fraction of the comparison period for which each promotional/successor rate applies; the sample’s expm marker is not a general contractual date-counting instruction. C057–C070, C076.\n\n### F03 — M2’s minimum-payment loop, as written\n\nThis is a **non-executed reference transcription**, not deployable code. The source’s separate conditions and assignments are deliberately preserved.\n\nPlain text\n```\nInitialization:\n    month = 0\n    sumpmts = 0 USD\n    perrate[i] = (apr[i] / 365) * days, for i = 1, 2, 3\n\nEach iteration:\n    month = month + 1\n\n    pmt = round(pmin * tbal, 0.01 USD)\n\n    If month >= expm AND expm != 0:\n        perrate[1] = (rrate / 365) * days\n\n    If pmt < dmin:\n        pmt = dmin\n\n    For i = 1, 2, 3:\n        xxxbal[i] = round(cbal[i] * (1 + perrate[i]), 0.01 USD)\n\n    fc = xxxbal[1] + xxxbal[2] + xxxbal[3] - tbal\n    Units of fc: USD for this calculation month.\n\nFinal-payment branch printed in M2:\n    If pmt > (tbal + fc):\n        For i = 1, 2, 3, in that order:\n            If cbal[i] > 0:\n                pmt = round(cbal[i] * (1 + perrate[i]), 0.01 USD)\n\nAllocation block 1:\n    If pmt <= xxxbal[1]:\n        cbal[1] = xxxbal[1] - pmt\n        cbal[2] = xxxbal[2]\n        cbal[3] = xxxbal[3]\n\nAllocation block 2:\n    If pmt > xxxbal[1]\n       AND xxxbal[2] > 0\n       AND pmt <= (xxxbal[1] + xxxbal[2]):\n        cbal[2] = xxxbal[2] - (pmt - xxxbal[1])\n        cbal[1] = 0\n        cbal[3] = xxxbal[3]\n\nAllocation block 3:\n    If pmt > xxxbal[2] AND xxxbal[3] > 0:\n        cbal[3] = xxxbal[3] - (pmt - xxxbal[1] - xxxbal[2])\n        cbal[2] = 0\n\nThe three blocks are separate source conditions, not an \"else-if\" rewrite.\nA component not assigned by a block retains its existing value.\n\nEnd of iteration:\n    sumpmts = sumpmts + pmt\n    tbal = cbal[1] + cbal[2] + cbal[3]\n\nContinuation:\n    If tbal > 0:\n        repeat the iteration.\n    Otherwise:\n        leave the loop.\n\nSample savings expression:\n    savtot = round(sumpmts, 1 USD) - round(sumpmts36, 1 USD)\n```\n\nThree limits matter:\n\n1. The final-payment branch is **not written as a general total-balance cap**; it assigns from positive component balances in source order.\n2. The promotional comment and month >= expm test are preserved without silently rewriting the boundary.\n3. The sample’s continuation test does not contain a separate general non-amortization detector. The regulation supplies the relevant replacement-disclosure rule; an implementation cannot be declared complete merely because it reproduces this loop.\n\nThese are observations about the text read, not findings that a particular calculator or creditor is inaccurate. C071–C076. [ecfr.gov+3](https://www.ecfr.gov/current/title-12/chapter-X/part-1026/appendix-Appendix%20M2%20to%20Part%201026?utm_source=chatgpt.com)\n\n### F04 — Cost comparison and savings sequence\n\nPlain text\n```\nC_36 = sum(Principal_36[t] + Interest_36[t], t = 1 through 36)\nUnits: USD.\n\nIn M2's equal-payment illustration:\n    C_36 = 36 * P_36\n\nChoose the permitted common monetary display increment:\n    q = 1 USD\nor:\n    q = 0.01 USD\n\nDisplayed minimum-payment cost = round(C_min, q)\nDisplayed 36-month cost       = round(C_36, q)\n\nSavings =\n    round(C_min, q) - round(C_36, q)\nUnits: USD.\n```\n\nThe stated sequence rounds the two cost components **before subtraction**. The costs and savings inherit their specified calculation/accuracy dependencies. No provider fee, tax consequence, disputed balance, settlement acceptance, or other external outcome is supplied by this equation. C055, C063–C065.\n\n### F05 — Duration display and the two duration-accuracy routes\n\nPlain text\n```\nDuration display:\n    If the repayment duration is less than 2 years:\n        disclose the estimate in months.\n    Otherwise:\n        disclose years rounded to the nearest whole year.\n\nThe 2010 adoption explanation:\n    fractional year < 0.5  -> round down;\n    fractional year >= 0.5 -> round up.\n\nDuration-accuracy route 1, before years-display rounding:\n    T_ref - 2 months <= T_issuer <= T_ref + 2 months\n\nDuration-accuracy route 2:\n    Where the years-display rule applies,\n    disclose the correct rounded number of years under that rule,\n    even if the underlying estimate differs by more than 2 months.\n\nThe benchmark must preserve any account terms chosen instead\nof the listed M1(b)(4) assumptions.\n```\n\nThis does not establish how every fractional-month or monetary-tie case must be implemented. C030, C052–C055.\n\n### F06 — Thirty-six-month payment tolerance\n\nFor a positive benchmark payment, the source’s percentage rule can be expressed without calculating an actual result:\n\nPlain text\n```\nP_ref = proper 36-month monthly payment estimate\n        after the specified disclosure rounding.\nP_issuer = corresponding issuer estimate after that rounding.\nUnits: USD per monthly payment.\n\nP_ref - (0.10 * P_ref) <= P_issuer <= P_ref + (0.10 * P_ref)\n\nEquivalent percentage comparison, only when P_ref > 0:\n    abs(P_issuer - P_ref) / P_ref <= 0.10\n```\n\nThe denominator is the properly determined, rounded benchmark payment. A zero-denominator implementation rule, a general negative-input rule, and proof of an actual tool’s accuracy remain absent. C062, C076.\n\n## 5. Provision-specific comparison\n\n| Comparison | Supported distinction | Exact claims/sources | What remains unresolved |\n| --- | --- | --- | --- |\n| Disclosure calculation / actual required minimum | M1 uses applicable minimum formulas; it does not create one universal minimum. | C022, C035–C036; S001(b)(1), S003(b)(12) | Actual formula, agreement, enforceability, amount due. |\n| Specified estimate / actual payoff | The calculation uses required inputs and selected assumptions, including possible no-residual-interest treatment. | C040–C052, C098; S001(b) | Actual accrual, posting, subsequent activity, payoff acceptance. |\n| Minimum-payment duration / equal-payment comparison | One follows applicable minimum formulas; the other assumes equal monthly amounts for thirty-six months. | C035, C056–C061 | Actual ability or intention to pay either amount. |\n| Promotional payment / promotional APR | Payment promotions may be disregarded under specified choices; APR promotions must transition as directed. | C036, C038 | Actual terms, expiry, successor index. |\n| Promotional APR / deferred interest | Deferred interest has a separate minimum-payment-before-expiration test. | C034, C039, C059 | Whether a real plan or actual performance qualifies. |\n| Permitted assumption / observed term | Each listed (b)(4) term can use the stated assumption or applicable account term. | C041–C052 | Which choice was made; actual term. |\n| Lower-rate-first assumption / actual allocation | M1 permits a disclosure assumption; actual allocation law is a separate inquiry. | C050, C100 | § 1026.53 and actual payment/contract facts remain held. |\n| Duration tolerance / payment tolerance | Two-month/correct-rounded-years routes differ from the ten-percent rounded-payment tolerance. | C053–C054, C062 | Actual benchmark and implementation. |\n| Cost / interest alone | Both cost estimates include principal and interest. | C055, C063 | Fee composition, taxes, other external costs. |\n| Regulatory savings / settlement or realized savings | Savings is the specified difference between separately rounded costs. | C064–C065 | Acceptance, provider costs, tax, unpaid balances, actual conduct. |\n| No amortization / zero APR | No amortization changes the disclosure set; zero APR is a separate possible rate condition and exposes an unprovided sample-formula branch. | C029, C039, C070, C076 | A valid general implementation for every domain. |\n| M1 / M2 | M1 supplies instructions; M2 is one linked sample with its own code choices. | C001, C060, C066–C076 | Universal generalization or execution validation. |\n| Current monetary rounding / historical sample choice | Current text permits consistent dollar or cent rounding; M2 illustrates whole-dollar savings subtraction. | C031, C064, C075, C091 | Actual display choice and machine tie treatment. |\n| Statute / implementing regulation | Statute uses months; regulation uses months below two years and rounded years otherwise, with an adopted explanation. | C005, C008, C030 | Full judicial construction remains unexamined. |\n| Official interpretation / approval of a tool | Commentary has identified legal status; Appendix C separately limits approval of tools and methods. | C077–C079 | Actual good faith, conformity, authorized approval, remedies. |\n| Current source banner / operative amendment | A banner cannot override the express disapproval of the identified overdraft rule. | C002–C003, C015 | Exhaustive later-law chain and specialized scope. |\n| Information referral / endorsement or advice | Counseling-information requirements do not establish endorsement or suitability. | C080–C086 | No actual provider, approval list, service or recommendation examined. |\n\n## 6. Complete measurement register\n\nThis register covers quantities **relied on in this report**. Statutory section numbers, source IDs, printed-page numbers, and PDF indices are locators recorded in the source register, not financial inputs. Incidental quantities in surrounding material outside the reliance bounds are not adopted.\n\n### 6A. Operative calculation and disclosure quantities\n\n| ID | Quantity and exact clause | Actor/object; unit or denominator | Trigger, boundary, conditions, exceptions and convention | Missing application evidence |\n| --- | --- | --- | --- | --- |\n| **M001** | Six M1 divisions; two definitions; eleven listed assumptions — S001(a)–(f), (b)(4) | Document organization, not a financial threshold | Inventory only; no invented additional section or assumption. C001 | None for inventory; currentness limitations remain. |\n| **M002** | Monthly minimum payments, every month — M1(b)(4)(i) | Issuer’s estimate; payment frequency | Permitted assumption or account-term choice; no skip/suspension feature under the assumption. C041–C042 | Selected terms and actual payment facts absent. |\n| **M003** | Beginning balance at closing of last billing cycle — M1(b)(3) | USD; balance reference event | Required base; nearest whole-dollar rounding permitted. C040 | Closing balance and cycle absent. |\n| **M004** | Nearest $1 starting-balance increment — M1(b)(3) | USD rounding increment | Optional; not a tolerance on an actual debt balance. C040 | Whether chosen; tie implementation. |\n| **M005** | Nearest $0.01 for monthly payment/balance/interest — M1(b)(4)(xi) | USD | Permitted intermediate rounding. No universal machine tie convention stated. C052 | Selected arithmetic and terms. |\n| **M006** | 365-day year with 30.41667-day months — M1(b)(4)(vii) | Assumed day-count pair | One permitted daily-rate convention; equal months, leap year ignored. C048 | Choice versus actual terms. |\n| **M007** | 360-day year with 30-day months — same clause | Assumed day-count pair | Alternative paired convention, not interchangeable components. C048 | Same. |\n| **M008** | Last day of month or billing cycle — M1(b)(4)(viii) | Payment-crediting event | Permitted alternative assumptions; no actual receipt/posting rule supplied. C049 | Actual convention and payment event. |\n| **M009** | Last 30 days before estimate provided — M1(b)(2) | Age of variable successor rate | Source says “within” that period; no business-day substitution, service extension, or actual deadline calculation supplied. C038 | Index/formula, rate date, estimate date. |\n| **M010** | Zero-percent APR — M1(b)(2), (d)(2) | Affected deferred-interest balance | Mandatory calculation treatment **if minimum payments will pay in full before expiry**. C039, C059 | Plan, minimums, expiry and ability of minimums to retire balance. |\n| **M011** | “Prior to expiration” — M1(a)(2), (b)(2), (d)(2) | Completion event relative to specified period | Strict before-expiry predicate preserved; no actual calendar counting added. C034, C039 | Applicable period and performance absent. |\n| **M012** | Two-month tolerance — M1(b)(5) | Difference between duration estimates, months | Inclusive upper/lower bounds; tested before years-display rounding; proper assumption/account-term benchmark. C053 | Both computed durations and benchmark choices. |\n| **M013** | Correct rounded years despite error over two months — M1(b)(5) | Years disclosure | Separate sufficient route under the source’s years rule; not a new numerical cap. C054 | Correct rounded disclosure. |\n| **M014** | Less than two years / otherwise — § 7(b)(12)(i)(B) | Duration display unit | Strict below-two-year branch uses months; equality belongs to years branch. C030 | Calculated duration. |\n| **M015** | Fractional year below 0.5 / at least 0.5 — 2010 adoption explanation | Year-rounding fraction | Down below half; up at/above half. Applies to explained duration display, not all currency rounding. C030 | Duration; no actual calendar. |\n| **M016** | Nearest month — § 1637(b)(11)(B)(i) | Statutory duration wording | Regulation’s different longer-duration display is separately preserved. C005, C008 | Applicable calculation, implementation. |\n| **M017** | 36 monthly payments / 3 years — M1(d)–(f); § 7(b)(12)(i)(F) | Comparison horizon and payment count | Same amount each month; balance paid within 36 months under selected method; not an actual schedule. C056–C065 | Required inputs and chosen method. |\n| **M018** | Fractions of 36 months — M1(d)(2) | Promotional/successor time weights; denominator 36 months | Fractions reflect the part of the comparison for which each rate applies. C058 | Rate durations and successor rate. |\n| **M019** | Balance-weighted rate — M1(d)(2), M2 | Numerator: balance × rate; denominator: total relevant balance | Permitted method; a zero denominator is not resolved by sample code. C057, C069 | Balance portions and rate mapping. |\n| **M020** | Ten-percent payment tolerance — M1(d)(4) | Difference relative to proper rounded comparison payment | Inclusive ±10%; after referenced rounding. No site-wide accuracy conclusion. C062 | Proper benchmark and actual output. |\n| **M021** | Nearest $1 or $0.01 monetary display — § 7(b)(12), comment -1; M1(f) | Four monetary disclosure categories | One consistent choice; separately round cost components before subtraction. C031, C064 | Choice and exact arithmetic. |\n| **M022** | Three years or less after rounding — § 7(b)(12)(i)(F)(2)(i) | Minimum-payment duration disclosure | Inclusive comparison-exemption threshold. C026 | Proper rounded duration. |\n| **M023** | Comparison payment less than required minimum — § 7(b)(12)(i)(F)(2)(ii) | USD amounts for same cycle | Strict inequality after comparison-payment rounding. C027 | Both amounts and cycle. |\n| **M024** | Fixed feature below 36 months — § 7(b)(12)(i)(F)(2)(iii) | Contractually specified amortization duration | Strict below threshold plus both revolving/fixed-feature predicates. C028 | Feature balances and terms. |\n| **M025** | Two consecutive qualifying cycles; immediately following cycle — § 7(b)(12)(v)(B) | Billing-cycle count/order | Each preceding cycle must meet the stated full-payment/zero/credit-balance condition. C024 | Cycle history absent. |\n| **M026** | Entire outstanding balance paid by cycle’s minimum — § 7(b)(12)(v)(C) | Amount relationship, no fixed dollar threshold | Full satisfaction by that minimum; not merely a small balance. C025 | Minimum and outstanding balance. |\n| **M027** | Balance over $1, or finance charge imposed — § 5(b)(2)(i) | Debit/credit balance, USD | Strict “more than”; alternative finance-charge trigger; same-paragraph exceptions. C019–C020 | Balance, charge and exception predicates. |\n| **M028** | No longer than quarter-year; variance no more than four days — § 2(a)(4) | Billing-cycle interval | Inclusive maximum/variance; selected equality qualifications for first/transitional cycles. Not converted into actual calendar days. C017 | Statement cycle and transition facts. |\n| **M029** | More than four installments — § 2(a)(17)(iii) | Written installment count in that alternative definition route | Source’s negative predicate retained: no finance charge and **not** payable in more than four installments. C016 | Which definition route applies. |\n| **M030** | At least three counseling organizations — § 7(b)(12)(iv)(A) | Count of referenced approved categories | Inclusive minimum, official-information availability, and selected-state conditions. C080–C081 | No actual list or organization inspected. |\n| **M031** | At least annually — § 7(b)(12)(iv)(B) | Information-update frequency | Consistency with available official information; no actual update date computed. C080 | Actual information/update history absent. |\n| **M032** | First menu, with preceding language-menu exception — comment 7(b)(12)(iv)-4 | Menu order | Applies to the optional automated route; no system inspected or constructed. C085 | Actual system absent. |\n\n### 6B. Source illustrations and sample-code quantities\n\nThese are **published source illustrations only**. They are not newly constructed account examples and have not been recomputed into a payoff result.\n\n| ID | Source-stated quantity | Role, units and qualification | Claim/source |\n| --- | --- | --- | --- |\n| **M033** | Five-year and three-year feature periods; disclose five years | M1’s illustration of selecting the longest applicable formula-specific period | C035; S001(b)(1) |\n| **M034** | Twelve-month payment deferral | M1’s illustration of promotional payment terms that may be disregarded | C036; S001(b)(1) |\n| **M035** | $10 for six months, then greater of 2% of outstanding balance or $20 | M1’s source illustration of two permitted treatment choices and the prohibition on extending the promotional minimum beyond expiry | C036; S001(b)(1) |\n| **M036** | 28 versus 30 months; two years four months versus two years six months; displayed two versus three years | M1’s illustration of the two-month tolerance despite different rounded years | C053; S001(b)(5), (c) |\n| **M037** | 32 versus 38 months; two years eight months versus three years two months; both displayed as three years | M1’s illustration of the correct-rounded-years route and associated cost treatment | C054–C055; S001(b)(5), (c) |\n| **M038** | Two years six months through three years five months | Official comment’s example of a three-year rounded disclosure qualifying for the comparison exception; no fractional-day extension is inferred | C026; S003 comment 7(b)(12)(i)(F)-1 |\n| **M039** | $20 balance and $20 minimum | Official comment’s illustration of the whole-balance minimum exemption | C025; S003 comment 7(b)(12)(v)-1 |\n| **M040** | Three APR components; source annual decimals 0, 0.17, 0.21; balances $500, $250, $250; total $1,000 | M2’s supplied source parameters; not actual account facts, a new test dataset, or computed results | C066; S002 introduction/inputs |\n| **M041** | Source pmin = 0.02, dmin = 20; expm = 6; successor decimal rate 0.17 | M2’s sample minimum and promotion parameters; zero marker denotes no promotion in its comments | C066–C072; S002 inputs |\n| **M042** | 365/12; divisor 365; payment count 36 | M2’s day/month conversion and comparison horizon; its exact fraction is not silently replaced with M1’s displayed rounded month length | C067–C070; S002 rate and annuity statements |\n| **M043** | Counter starts at zero, increases by one; component indices 1–3; continuation tbal > 0 | Source loop bookkeeping and strict continuation test; not a general non-amortization detector | C071–C076; S002 loop |\n| **M044** | month >= expm, expm != 0; strict/weak payment comparisons in F03 | Exact source branch boundaries; no real expiry/posting date or generalized cap inferred | C072–C074; S002 |\n| **M045** | Cent rounding for sample payment/balances; whole-dollar rounding for sample savings | M2’s particular choices; current M1 also permits consistent cent display/savings treatment | C070–C075; S002, S001(f) |\n\n### 6C. Version, publication and application measurements\n\n| ID | Date/period | Legal or source function | Conditions and limits |\n| --- | --- | --- | --- |\n| **M046** | October 28, 2026 PDT | Actual research access date | Not a law’s issuance/effective date. |\n| **M047** | October 20, 2026 / Public Law 119-134 | OLRC displayed compilation cutoff | No certification of the entire later-law chain. S006, S015. |\n| **M048** | October 23, October 26, October 6, and October 2, 2026 | Retrieved eCFR title-currency/amendment labels, as allocated in S001–S004 | Not appendix-specific amendment dates; discrepancy preserved. |\n| **M049** | May 22, 2009; nine months after enactment | CARD Act enactment and § 3 default effectiveness | Express exception for otherwise specifically provided dates; no deadline computed. S008. |\n| **M050** | No later than six months after enactment | § 201(c)(1) historical guideline duty | Institutional rulemaking period; not a consumer deadline. S008. |\n| **M051** | February 22, 2010; July 1, 2010 | 2010 rule effectiveness and differentiated compliance dates | Selected repayment statements use mailing/delivery on or after February 22; other provisions distinguished. S009. |\n| **M052** | April 25, 2011; October 1, 2011 | Amendment publication; effective/mandatory date | Earlier compliance permitted; prospective application; selected statement mailing/delivery trigger. S010. |\n| **M053** | May 31, 2011; October 1, 2011 | Correction publication/effectiveness | No enumerated M1 correction; no inference about all later corrections. S010. |\n| **M054** | December 22 and December 30, 2011 | CFPB republication and effective date | Part 1026 adoption, subject to subsequent amendments. S011. |\n| **M055** | April 28, 2016 | Finalization publication/effectiveness | Subject to intervening amendments; list is not a complete history read. S012. |\n| **M056** | December 30, 2024; stated October 1, 2025 date; May 9, 2025 disapproval | Narrow overdraft-definition status check | The identified rule has no force or effect under S014; the stated future date is not treated as operative merely because displayed. S013–S014. |\n\n## 7. Conditional branches and branch-level coverage\n\n**Status terminology:** “Answered boundary” means the generic instruction and its limit are established within the read sources. “Partial” identifies a remaining authority or method gap. Every actual application remains absent and excluded.\n\n| Branch; status | Supported conditional rule and exact links | Missing evidence or authority | Adverse inference to avoid | Next permissible generic public-law/instruction inquiry |\n| --- | --- | --- | --- | --- |\n| **B01 — Version/status unknown. Partial.** | Use the identified current body with its displayed currency limits; do not treat a host banner as exhaustive history. C001–C003; S001–S004. | Complete post-cutoff amendment/judicial chain. | “Current” proves every intervening legal-status issue resolved. | Check generic M1 amendment instructions and official currentness notices; no account or case query. |\n| **B02 — Issuer/authority category unknown. Answered boundary.** | The duty addresses the defined issuer/account category; § 1604 supplies qualified rulemaking authority. C004, C010, C016, C022; S003–S006. | Actual regulated-role predicates; full jurisdiction/exemptions. | Any business using a calculator is necessarily the regulated card issuer. | Read only relevant generic § 1026.1/§ 1026.3 scope clauses in a separate scope component. |\n| **B03 — Consumer versus commercial purpose unknown. Answered boundary.** | The selected category requires consumer credit, primarily personal/family/household purpose. C009; S004 § 2(a)(11)–(12). | Purpose and classification facts. | Business-purpose extensions in unrelated definitions universally expand M1. | Read the precise generic purpose/credit-card scope commentary; hold actual classification. |\n| **B04 — Credit-card/open-end category unknown. Answered boundary.** | Credit-device access and all open-end-plan predicates must be satisfied. C011–C013; S004. | Device, plan and replenishment predicates. | Every loan or electronic transfer is covered. | Read § 2(a)(15), (20) and only necessary official cross-references. |\n| **B05 — Home-equity/overdraft exclusion. Answered boundary with status limit.** | Preserve the stated exclusions and the enacted disapproval affecting the conflicting displayed amendment. C013, C015; S004, S013–S014. | Complete specialized classification and later-law chain. | The disapproved eCFR wording independently establishes current coverage. | Reconcile generic codification against the adopted clause and disapproval; no institution lookup. |\n| **B06 — Hybrid prepaid cross-reference. Partial.** | The account-number exclusion has an express covered-separate-credit-feature qualification. C012–C013; S004 § 2(a)(15). | Complete § 1026.61 predicates and relevant amendment/transition history. | All prepaid devices are covered or all account numbers excluded. | Read the exact indispensable § 1026.61 definitions in a separate bounded scope inquiry. |\n| **B07 — Statement requirement unknown. Answered boundary.** | Apply the over-$1/finance-charge alternatives and same-paragraph exceptions before assuming a periodic statement is required. C019–C020; S005. | Cycle balance, charges and exception predicates. | A missing statement proves payoff, release, or a disclosure violation. | Read § 5(b)(2)(i) and its exact comments; broader collection consequences held. |\n| **B08 — Draw privileges ended. Answered boundary.** | Termination of draws without closed-end conversion does not alone end otherwise-required statements. C021; S005 comment -2. | Conversion and account-status facts. | A closed-to-new-purchases label makes the repayment framework disappear. | Read generic conversion/continuation commentary, without inspecting a workout. |\n| **B09 — Charge-card exemption. Answered boundary.** | The exemption requires the stated full-balance payment condition at each cycle end. C014, C023; S003/S004. | Actual category and required-payment condition. | The label alone proves the exemption. | Read § 7(b)(12)(v)(A) alongside § 2(a)(15)(iii). |\n| **B10 — Full/zero/credit cycle history. Answered boundary.** | The two-consecutive-cycle exemption applies to the immediately following cycle under the source’s alternatives. C024; S003(v)(B). | Complete qualifying cycle sequence. | One zero balance creates a permanent exemption. | Read the exact cycle-sequence clause; no calendar calculation. |\n| **B11 — Minimum would pay full balance. Answered boundary.** | Whole-balance payment by that cycle’s minimum qualifies for the specified exemption. C025; S003(v)(C). | Required minimum and balance relation. | Any small balance or charge-off automatically qualifies or is forgiven. | Read the exemption and its charged-off-account commentary, keeping collection law separate. |\n| **B12 — Minimum formula unknown. Answered boundary.** | Applicable formula is required input; the source’s percentage/dollar example is not universal. C035; S001(b)(1). | Formula and relevant terms. | Use the printed sample floor or percentage for every account. | Read generic disclosure requirements for minimum-payment terms; no actual agreement retrieval. |\n| **B13 — Multiple minimum formulas. Answered boundary.** | Apply each formula to its portion and disclose the longest calculated period. C035; S001(b)(1). | Portion mapping and formula-specific estimates. | Average the durations or use only the smallest balance’s period. | Read the full multiple-formula instruction and source illustration. |\n| **B14 — Promotional minimum. Answered boundary.** | Disregard it under the permitted route or apply it only through expiry and then its successor. C036; S001(b)(1). | Duration and successor formula. | Extend a temporary payment indefinitely. | Read the complete promotional-payment alternatives; do not infer APR treatment from them. |\n| **B15 — Multiple/current APRs unknown. Answered boundary.** | Use the applicable APR for each relevant portion. C037; S001(b)(2). | Rates and balance mapping. | A single advertised or averaged rate always suffices for the minimum path. | Read M1(b)(2); actual APR determination under § 1026.14 remains separate. |\n| **B16 — Promotional/variable successor APR. Answered boundary.** | Apply promotion to expiry, then successor; variable successor uses the index/formula with the stated thirty-day accuracy condition. C038; S001(b)(2). | Rate terms, index and reference events. | Freeze a promotional APR indefinitely or invent a later index. | Read the exact transition instruction and narrow adopted explanation if needed. |\n| **B17 — Deferred interest. Answered boundary.** | Use zero or accrual APR according to whether minimum payments will repay before expiration. C034, C039; S001(a)(2), (b)(2). | Plan and minimum-payment/expiry relationship. | Deferred interest is always zero, or actual accrued interest is necessarily owed. | Read the complete conditional calculation rule; actual liability remains held. |\n| **B18 — Starting balance/reference point. Answered boundary.** | Use the last cycle’s closing balance, optionally rounded to dollars. C040; S001(b)(3). | Closing balance and selected rounding. | Substitute an arbitrary current balance or a payoff quote. | Read the starting-balance instruction and separate generic statement-balance provisions. |\n| **B19 — Assumption versus account term. Answered boundary.** | Make the permitted choice separately for each listed term; monthly minimums/every-month treatment is one such assumption. C041–C042; S001(b)(4). | Chosen conventions and actual terms. | All listed assumptions are required contract terms. | Read the introductory choice clause with each relevant subparagraph. |\n| **B20 — New activity, fees, refunds. Answered boundary.** | The listed no-new-activity/no-refund assumption covers the categories stated. C043; S001(b)(4)(ii). | Actual activity and fee composition. | Total cost proves all real fees are absent or already itemized. | Read generic fee/finance-charge definitions separately if indispensable; no account analysis. |\n| **B21 — Future rate or penalty-rate change. Answered boundary.** | Constant-rate assumption is qualified by (b)(2), and may retain a currently applicable penalty rate. C044; S001(b)(4)(iii). | Actual rate terms and chosen assumption. | The estimate predicts an actual permanent penalty rate. | Read calculation assumptions separately from § 1026.55/§ 1026.59, which remain unexamined. |\n| **B22 — Grace/residual interest. Answered boundary.** | No grace and no final residual charge are permitted assumptions. C045–C046; S001(b)(4)(iv)–(v). | Actual grace, accrual and final-payment terms. | The calculated final payment is an enforceable payoff amount. | Read relevant generic actual-accrual/payment authorities in a separate component. |\n| **B23 — Day-count/crediting convention. Answered boundary.** | Use a permitted paired day-count convention or applicable term; last-month/day-cycle crediting is an assumption. C047–C049; S001(b)(4)(vi)–(viii). | Selected convention and actual terms. | Calculation months are real calendar months or establish posting deadlines. | Read the paired assumptions and preserve actual timing law as a separate inquiry. |\n| **B24 — Allocation/status assumption. Answered boundary.** | Lower-rate-first and current/not-over-limit status are permitted calculation assumptions. C050–C051; S001(b)(4)(ix)–(x). | Actual allocation/status facts and law. | M1 authorizes actual lower-rate-first allocation in all circumstances. | Read § 1026.53 independently only in a separately authorized component. |\n| **B25 — Duration rounding/tolerance. Answered boundary.** | Distinguish underlying two-month tolerance from the correct-rounded-years route. C030, C053–C054; S001(b)(5), S003. | Proper benchmark, unrounded duration and display. | A rounded year proves exact payoff timing. | Read both routes and the adopted half-year explanation. |\n| **B26 — Cost accuracy dependency. Answered boundary.** | Minimum cost follows the accepted duration calculation, including its specified tolerance treatment. C055; S001(c). | Principal/interest sequence and accepted duration. | A separate arbitrary cost-error percentage is permitted. | Read (c) together with the complete (b)(5) examples. |\n| **B27 — Weighted versus alternative comparison. Answered boundary.** | Weighted APR is permitted; another method must retain equal monthly amounts and payoff within thirty-six months. C056–C061; S001(d). | Method choice and proper input mapping. | The weighted method is mandatory or any alternative is acceptable. | Read complete (d)(2) and the linked M2 formulas. |\n| **B28 — Deferred interest in comparison. Answered boundary.** | The weighted-rate deferred-interest branch still uses the minimum-payment-before-expiry test. C059; S001(d)(2). | That minimum-payment predicate. | The comparison payment itself automatically earns interest avoidance. | Read the exact repeated deferred-interest clause. |\n| **B29 — Comparison exemption after duration rounding. Answered boundary.** | A disclosed duration of three years or less triggers its comparison exception. C026; S003(F)(2)(i). | Correct rounded duration. | Use unrounded thirty-six months as the sole exemption test. | Read the official two-years-six-months through three-years-five-months illustration. |\n| **B30 — Comparison payment below minimum. Answered boundary.** | Strictly lower rounded comparison payment qualifies under the separate exception. C027; S003(F)(2)(ii). | Same-cycle amounts and rounding. | “Equal to” is silently treated as “less than.” | Read the precise inequality and monetary-rounding comment. |\n| **B31 — Mixed revolving/fixed features. Answered boundary.** | Both feature predicates and fixed period below thirty-six months must exist. C028; S003(F)(2)(iii). | Feature terms and balances. | Any installment feature removes all repayment disclosures. | Read the entire exception, including its limited comparison scope. |\n| **B32 — No/negative amortization. Answered boundary.** | Replace the ordinary set with § 7(b)(12)(ii)’s specified disclosures. C029; S003. | Proper calculation showing that condition. | Invent a large finite payoff number or run an endless sample loop. | Read the replacement set together with M1; implementation remains unapproved. |\n| **B33 — Zero, negative, very small inputs. Partial.** | Statement/full-payment exceptions may matter; M2’s displayed divisions do not provide every zero/negative-domain branch. C019, C025, C069–C070, C076. | Applicable exemption and authoritative general implementation treatment. | Substitute a textbook limit or arbitrary floor and call it the regulation’s method. | Seek only public generic official clarification of M1(d)/M2 domain handling. |\n| **B34 — M2 promotional/cap/allocation generalization. Partial.** | Preserve the source’s exact conditions and sequential assignments. C071–C076; S002. | Generalization authority and full code-domain validation. | Silently “repair” the source and attribute the new algorithm to CFPB. | Compare public adopted/code text and any official correction; no test dataset or deployment. |\n| **B35 — Monetary rounding and savings. Answered boundary; tie mechanics partial.** | Use one common display increment and subtract separately rounded costs. C031, C052, C064. | Actual choice; complete machine tie behavior. | Round only the difference or mix cents and dollars. | Read current M1(f), comment -1, and any necessary official arithmetic clarification. |\n| **B36 — Ten-percent tolerance. Answered boundary.** | Apply to the properly rounded comparison-payment benchmark. C062; S001(d)(4). | Proper positive benchmark and disclosed output. | Treat ten percent as a universal cost, APR, or tool-compliance tolerance. | Read the exact object and rounding reference in (d)(4). |\n| **B37 — Counseling information. Answered boundary; approval regime held.** | Preserve count, availability, update, non-endorsement and ordering conditions. C080–C086; S003/S015. | Actual approval, information, service and system predicates. | A statutory information route endorses or recommends a provider. | Read only the generic § 111/§ 109(h) incorporation if a later component requires it; no roster lookup. |\n| **B38 — Interpretation effect/tool approval. Answered boundary.** | Official status and qualified good-faith protection do not establish approval of a particular calculator. C077–C079; S006–S007. | Actual conformity, good faith, authority and legal effect. | Copying a sample yields universal immunity or approval. | Read the exact narrow liability provision before any further legal-effect claim. |\n| **B39 — Adoption/transition/source failure. Partial.** | Preserve selected adopted changes, statement-event triggers, failed originals, and later-history limits. C087–C097; S008–S014. | Exhaustive intervening history; unavailable original PDF pixels. | Failed retrieval means repeal, no law, or authority to bypass access controls. | Reopen an ordinary official alternate or narrowly identified amendatory body; retain the failure log. |\n| **B40 — Format and sample images. Partial.** | Text requires proximity/grouping and substantially similar sample format. C032; S003. | Actual model-image inspection and every relevant format qualification. | Text-only reading certifies an actual statement layout. | Read only the referenced public G-18 sample/interpretation in a later visual-format component. |\n| **B41 — Actual payoff, acceptance, affordability. Excluded application.** | The estimates do not establish these separate predicates. C098–C100; S001–S003. | All actual terms, financial circumstances and legal facts. | A disclosed payment is affordable, accepted as settlement, or a release. | No individualized inquiry in this pass; identify a separate generic authority component first. |\n| **B42 — Broader A088 tools and outcomes. Excluded by scope.** | M1’s defined comparison does not supply settlement-net-savings, consolidation/transfer, avalanche/snowball, garnishment or tax methods. C065, C098–C100. | Independent public methods, applicable law, empirical evidence where relevant. | Import an earlier payment-allocation conclusion or infer universal savings. | Independently define and research the next generic component; no prior-report adoption. |\n\n## 8. Wholly blank analytical worksheet\n\nThe following is an empty analytical structure. It is not an intake form, account-data request, calculator, or decision instrument. **All authority, evidence, analysis, and result cells are intentionally blank.**\n\n| Field label | Authority entry | Evidence entry | Analysis | Result |\n| --- | --- | --- | --- | --- |\n| Source title and issuer |  |  |  |  |\n| Source URL |  |  |  |  |\n| Displayed version and legal status |  |  |  |  |\n| Actual access and read bounds |  |  |  |  |\n| Original versus alternate source |  |  |  |  |\n| Covered generic category |  |  |  |  |\n| Scope definition or incorporation |  |  |  |  |\n| Statement/disclosure applicability |  |  |  |  |\n| Applicable exception category |  |  |  |  |\n| Calculation method/provision |  |  |  |  |\n| Variable definition |  |  |  |  |\n| Unit, numerator and denominator |  |  |  |  |\n| Balance/reference-event category |  |  |  |  |\n| Rate/promotion category |  |  |  |  |\n| Minimum-formula category |  |  |  |  |\n| Assumption versus account-term choice |  |  |  |  |\n| Payment/interest ordering convention |  |  |  |  |\n| Stopping/unavailable-result condition |  |  |  |  |\n| Rounding stage and increment |  |  |  |  |\n| Accuracy/tolerance rule |  |  |  |  |\n| Comparison/cost/savings definition |  |  |  |  |\n| Documentation or official interpretation |  |  |  |  |\n| History/effective/application boundary |  |  |  |  |\n| Source or currentness gap |  |  |  |  |\n| Generic concept versus actual finding |  |  |  |  |\n| Other-regime and parent limits |  |  |  |  |\n| Missing public authority |  |  |  |  |\n| Exact next permissible public inquiry |  |  |  |  |\n\n## 9. Granular question-to-claim coverage\n\nBranch-specific coverage, missing predicates, and next inquiries are supplied individually in B01–B42 above. This table provides the numbered-request and material-subquestion crosswalk.\n\n| Request/material subquestion | Status and finding | Claim/source/method/branch crosswalk | Missing evidence and exact next permissible inquiry |\n| --- | --- | --- | --- |\n| **1 — Locate actual appendix and inventory organization** | **Answered.** Complete current CFPB M1(a)–(f) read. | C001–C003; S001; organization table; B01 | No claim of whole Regulation Z read. Recheck only a material later M1 amendment if identified. |\n| **1 — Nested assumptions, examples, exceptions, notes** | **Answered within M1.** All eleven assumptions, definitions, illustrations and cross-referenced method passages accounted for. | C033–C065; M001–M045; S001–S002 | Specialized scope incorporations remain separately marked. |\n| **1 — Current version/status and visual boundaries** | **Partial.** Current official display and selected original history established; visual and exhaustive-history limits remain. | C002–C003, C096–C097; S001–S014; B01, B39 | Official original PDF/image availability and unexamined later chain. |\n| **2 — Account/product/actor/purpose scope** | **Answered boundary; specialized application partial.** Consumer/open-end/card category and material exclusions traced. | C009–C025; S003–S005; B02–B11 | Full § 1026.61 and general jurisdiction/exemptions; next narrow public scope read only. |\n| **2 — Disclosure versus actual payment/payoff** | **Answered.** Calculation obligation separated from actual contract/payment result. | C022, C035, C056, C098; comparison table; B12, B41 | Actual facts excluded; separate generic payment/contract authority needed for another component. |\n| **2 — Alternatives, tolerances and exemptions** | **Answered.** Distinct comparison exceptions, non-amortization route, method choices and accuracy routes preserved. | C023–C031, C053–C065; B25–B36 | No actual applicability determination. |\n| **3 — Minimum-payment method and variables** | **Answered as source specification.** M1 requires applicable formulas; no universal recurrence invented. | C035–C055; F01; B12–B25 | Actual formulas and terms absent; general implementations not approved. |\n| **3 — Weighted-rate/equal-payment method** | **Answered within stated domain.** M1 alternatives and M2 formulas transcribed. | C056–C070; F02, F04; B27–B28 | Zero-denominator and generalized special-case implementation held. |\n| **3 — Interest/payment order, recurrence, cap, stopping and outputs** | **Partial generalization; complete sample transcription.** Source loop retained, not silently repaired. | C071–C076; F03; B32–B34 | Public clarification or correction for a general algorithm; no execution/test dataset. |\n| **4 — Rates, promotions and deferred interest** | **Answered.** Separate payment-promotion and APR/deferred-interest treatments. | C033–C039, C044, C058–C059; B14–B17, B21, B28 | Actual terms, rates and expiry predicates absent. |\n| **4 — Balances, activity, fees and refunds** | **Answered boundary.** Starting point and no-new-activity option traced; fee composition not invented. | C040–C043; B18–B20 | Generic finance-charge/fee authorities would be next if necessary; no actual statement. |\n| **4 — Timing, accrual, grace, final payment and allocation** | **Answered as assumptions; actual rules excluded.** | C045–C052; F03; B22–B24 | Actual posting/allocation/accrual law and agreements remain held. |\n| **5 — Rounding and duration tolerance** | **Answered.** Before-rounding two-month test and correct-years route distinguished. | C030–C031, C052–C055; F05; M012–M016; B25–B26 | General currency tie handling not supplied. |\n| **5 — Payment tolerance and linked cost/savings accuracy** | **Answered.** Ten-percent post-rounding test and cost dependencies traced. | C062–C065; F04, F06; B35–B36 | Actual benchmark/output absent. |\n| **5 — No/negative amortization** | **Answered disclosure route.** Replacement set identified. | C029, C076; B32 | No general executable non-amortization detector supplied. |\n| **5 — Zero/negative/very-small inputs and multiple conditions** | **Partial.** Applicable exemptions and missing sample guards explicitly separated. | C019, C025, C069–C076, C097; B33–B34 | Exact public implementation clarification; no textbook fallback added. |\n| **6 — Duration/payment/horizon/cost/savings relationships** | **Answered.** All five outputs and dependencies specified. | C035, C055–C065; F01–F06; comparison table | Actual payoff and external/net savings excluded. |\n| **6 — Affordability, acceptance and causal benefit** | **Excluded by scope, with boundary answered.** | C098–C100; B41–B42 | Different law, financial facts and empirical evidence would be required. |\n| **7 — Official interpretation and legal effect** | **Answered narrow status; full remedies held.** Codified commentary, Appendix C and § 1640(f) read. | C077–C079; S006–S007; B38 | Full §§ 1607/1611, liability elements, standing and remedies remain unexamined. |\n| **7 — Circular/bulletin/advisory withdrawal issue** | **Not applicable to relied-on sources.** None used. | C077; S007 | No withdrawal-register inference is made for unrelated guidance. |\n| **7 — Ancillary counseling incorporation** | **Answered information boundary; approval regime partial.** | C080–C086; S003/S015; B37 | § 109(h) and full approval regime are next only if independently necessary. |\n| **8 — Original adoption and rounding amendment** | **Answered selected history.** Adopted M1/M2, 2011 f revision and relevant date clauses read. | C087–C093; S008–S010; M049–M053 | No entire Act/rule history or actual transition application. |\n| **8 — Part 1026 republication/finalization** | **Answered selected history.** Original HTML body and finalization clause read. | C094–C095; S011–S012; M054–M055 | Failed original PDF and unexamined intervening instruments retained. |\n| **8 — Material later scope conflict** | **Answered narrow enacted limitation.** 2024 adopted definition and 2025 disapproval traced. | C015; S013–S014; M056; B05 | Complete subsequent codifier/later-law chain not certified. |\n| **9 — Requested comparisons** | **Answered within selected framework.** Provision-specific comparison table supplied. | C001–C100 as allocated; comparison table; B41–B42 | Other A088 methodologies remain separate. |\n| **10 — Measurement register** | **Answered for every relied-on source quantity.** Operative, illustrative and historical quantities separated. | M001–M056; linked claims/sources | No actual deadline, financial model or outcome computation. |\n| **11 — Conditional branches** | **Answered.** B01–B42 each supplies rule, conditions, missing predicates, adverse inference and next inquiry. | Branch table | Application remains excluded; partial authority/method branches expressly identified. |\n| **11 — Blank worksheet** | **Answered.** Every entry/analysis/result cell left empty. | Section 8 | No request for data, completed form or decision instrument. |\n\n## 10. Source-read and failure log\n\n### 10A. Successful and bounded readings\n\n| Log entry | Source/activity | Actual result and retained boundary |\n| --- | --- | --- |\n| **L01** | S001 current CFPB M1 | Complete body read. Search results were used for discovery, not substituted for this reading. |\n| **L02** | S001 current eCFR M1 | Status banner and selected matching passages read. Complete-body reliance rests on the CFPB reading and selected adopted texts. |\n| **L03** | S002 current CFPB M2 | Complete sample read, including code and output statements; not executed. |\n| **L04** | S002 eCFR M2 | Selected code checked; distinct retrieved currency banner preserved. |\n| **L05** | S003 § 7 and standalone interpretation page | Complete selected repayment/format bodies and identified comments read; no whole-section or whole-Supplement claim. |\n| **L06** | S004 definitions/authority | Complete material clauses read; competing § 2(a)(15) displays identified rather than silently harmonized. |\n| **L07** | S005 periodic-statement requirement | Complete narrow paragraph and comments read; no full notice/collection regime. |\n| **L08** | S006 current OLRC statutes | Current-edition redirects succeeded; complete selected clauses read with displayed cutoff. |\n| **L09** | S007 Appendix C/Introduction | Current official status and tool-approval boundary read; no request submitted. |\n| **L10** | S008 original CARD Act | Selected complete enactment/effective clauses read in parsed PDF; no whole-Act claim. |\n| **L11** | S009 2010 adoption | Complete adopted M1/M2 read through HTML and selected parsed PDF. Daily-issue PDF was an additional discovery route, not an independent source or whole-issue read: [https://www.govinfo.gov/content/pkg/FR-2010-02-22/pdf/FR-2010-02-22.pdf](https://www.govinfo.gov/content/pkg/FR-2010-02-22/pdf/FR-2010-02-22.pdf?utm_source=chatgpt.com). |\n| **L12** | S010 amendment/correction | Complete M1(f) amendment and necessary date/application clauses read; correction read fully and bounded as non-M1 in its enumerated changes. |\n| **L13** | S011 republication | FederalRegister.gov original-document HTML was readable after GovInfo failures. Complete M1/M2 republication read; no PDF-image claim. |\n| **L14** | S012 finalization | Operative finalization clause and complete Regulation Z item M read; listed intervening instruments not thereby deemed read. |\n| **L15** | S013–S014 scope-status check | Complete selected 2024 replacement definition and complete 2025 disapproval clause read. No actual institution or overdraft program examined. |\n| **L16** | S015 counseling category | § 111(a) read; no approved-provider list or actual organization accessed. |\n| **L17** | Additional discovery searches | Recent official-source searches returned the current M1 body. This is not proof that no later law or judicial treatment exists. Unopened mirrors, off-topic results, and summaries were not legal evidence. |\n\n### 10B. Exact failures and visual-access limits\n\n| Failure ID | Exact endpoint/action | Observed result | Readable alternative or remaining gap |\n| --- | --- | --- | --- |\n| **F01** | [https://www.govinfo.gov/content/pkg/FR-2011-12-22/html/2011-31715.htm](https://www.govinfo.gov/content/pkg/FR-2011-12-22/html/2011-31715.htm) | Reported inaccessible through the retrieval service. | S011 FederalRegister.gov HTML read; failure remains recorded. |\n| **F02** | [https://www.govinfo.gov/content/pkg/FR-2011-12-22/pdf/2011-31715.pdf](https://www.govinfo.gov/content/pkg/FR-2011-12-22/pdf/2011-31715.pdf) | Retrieval rejected the PDF as too large. | Original print-PDF access/pixels not established; HTML printed-page markers used. |\n| **F03** | [https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section1637&num=0&edition=prelim](https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section1637&num=0&edition=prelim) | 404 response. | Ordinary [https://uscode.house.gov/us/usc/t15/s1637/](https://uscode.house.gov/us/usc/t15/s1637/?utm_source=chatgpt.com) redirect led to S006’s current edition. |\n| **F04** | [https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section1604&num=0&edition=prelim](https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section1604&num=0&edition=prelim) | 404 response. | Ordinary [https://uscode.house.gov/us/usc/t15/s1604/](https://uscode.house.gov/us/usc/t15/s1604/?utm_source=chatgpt.com) redirect led to S006’s current edition. |\n| **F05** | [https://www.govinfo.gov/content/pkg/FR-2024-12-30/html/2024-29699.htm](https://www.govinfo.gov/content/pkg/FR-2024-12-30/html/2024-29699.htm) | Reported inaccessible. | S013 PDF parsed text was readable for the exact selected clauses. |\n| **F06** | Screenshot of S009 PDF, zero-based index 190 | Timeout. | Parsed original M2 code at printed 7848/index 190 was read; no pixel inspection asserted. |\n| **F07** | Screenshot requests for S009 indices 188–189, S010 indices 56–57, S014 index 0 | Returned screenshot markers without reviewable image content in the material available for inspection. | No claim of visual verification; HTML/parsed-text bounds govern. |\n| **F08** | eCFR unsupported-browser notice | The notice appeared, but substantive text remained readable. | It is not treated as a failed body read or as permission for a workaround. |\n\nNo failed retrieval is treated as repeal, withdrawal, legal absence, a quota event, or a reason to bypass an access control.\n\n## 11. Explicit unresolved gaps\n\n| Gap | Exact limit | Consequence for this pass | Next permissible generic inquiry |\n| --- | --- | --- | --- |\n| **G01 — Exhaustive currentness** | Current displays, compilation cutoffs, and selected history do not establish every later enactment, amendment, correction or judicial disposition. | No whole-chain certification. | Narrow official amendment/status checking for the selected provisions only. |\n| **G02 — Specialized account scope** | Full § 1026.61 prepaid-credit definitions and transitions were not read. | No categorical conclusion about every prepaid or account-number arrangement. | Complete indispensable public § 1026.61 clause and relevant adopted history, separately scoped. |\n| **G03 — Conflicting overdraft display** | Disapproval is verified; complete codifier repair and later-law history are not. | The disapproved expansion is not used as operative coverage. | Further generic official codification/status reconciliation, without institution queries. |\n| **G04 — General implementation** | M2’s source code does not specify every input-domain guard or generalized allocation/cap case. | It is not certified as a universal payoff algorithm. | Public official correction or methodological clarification; no new test account or deployment. |\n| **G05 — Rounding mechanics** | Nearest-unit requirements are read; a universal machine currency-tie policy is not supplied. | No invented half-up rule for every monetary operation. | Exact official arithmetic clarification if indispensable to another component. |\n| **G06 — Actual account terms and facts** | No balance, rate, minimum, fee, promotion, cycle, contract, payment or activity exists in the evidence. | No actual estimate, payoff, amount due, suitability or affordability conclusion. | No factual intake within this pass. |\n| **G07 — Actual payment allocation** | M1’s permitted assumption is read; § 1026.53 is not independently analyzed here. | No actual allocation rule imported from a prior report. | A separate original-source allocation-law component. |\n| **G08 — Format images** | Referenced G-18 sample images were not visually reviewed. | No complete visual-format compliance claim. | Read the exact public sample images and necessary official format comments in a bounded follow-up. |\n| **G09 — Counseling approval** | Information duty/category distinction read; full approval and § 109(h) service/eligibility regime held. | No provider endorsement, selection, approval or eligibility finding. | Generic statutory incorporation only if necessary; no roster lookup. |\n| **G10 — Full legal effect/remedies** | Narrow § 1640(f) read; full liability, enforcement, standing, exemptions and remedies held. | No immunity, violation, recovery, cancellation or debt-release finding. | Complete relevant narrow authority before any further legal-effect assertion. |\n| **G11 — Broader calculators** | Settlement, consolidation, transfer, avalanche/snowball, garnishment, tax and affordability methods are outside this source framework. | No universal savings or decision-tool recommendation. | Independently define and research each later generic method. |\n| **G12 — Empirical outcomes** | Statutory assumptions and illustrative calculations are not causal or behavioral evidence. | No claim of guaranteed savings, improved adherence, successful completion or nationally best method. | Separate empirical evidence would be required; none introduced here. |\n\n## 12. Researcher self-check — not independent review\n\n| Check | Result |\n| --- | --- |\n| Independent source foundation | Earlier reports were not used as substantive evidence or adopted conclusions. |\n| Complete selected appendix | M1(a)–(f), nested clauses, assumptions and illustrations were read completely. |\n| Linked methodology | M2 was read completely because M1 incorporates it as an example; no code was run. |\n| Scope and exceptions | Defined account category, periodic-statement trigger, whole-disclosure exemptions, comparison exceptions and non-amortization route are separated. |\n| Mandatory versus permitted wording | Required formulas/rate transitions are distinguished from permitted assumptions and alternative methods. |\n| Formula presentation | All report formulas use literal plain text and explicit operators; no mathematical rendering is required. |\n| Source-supplied numbers | Source illustrations are identified and registered; no new account example or result was created. |\n| Accuracy claims | Duration, payment and dependent cost/savings accuracy treatments are kept distinct. |\n| Material source conflict | The overdraft-definition discrepancy and enacted disapproval remain visible. |\n| Adoption/application | Selected adopted clauses and date triggers were read; publication, effectiveness, compliance and mailing/delivery are distinguished. |\n| Access honesty | Failed endpoints and lack of pixel verification are retained; no unseen whole-file review claimed. |\n| Blank worksheet | All authority/evidence/analysis/result cells are empty. |\n| Parent holds | Actual parties, accounts, contracts, inputs, outcomes, broader legal regimes and other A088 methods remain absent or held. |\n| Review/acceptance status | This is a researcher self-check, **not independent review**, component acceptance, operational approval, or publication acceptance. |\n\nEND R088 PASS-01.\n\n","tables":[{"headers":["Source ID; issuer and title","Complete literal HTTPS 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Bureau\n+4"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/7/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1026/7/"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/interp-7/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1026/interp-7/"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/7/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau\n+2"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/1/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1026/1/"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/2/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1026/2/"},{"href":"https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-A/section-1026.2?utm_source=chatgpt.com","text":"https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-A/section-1026.2"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/1/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau\n+6"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/5/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1026/5/"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/5/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"}],[{"href":"https://uscode.house.gov/us/usc/119-134/t15/s1637/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-134/t15/s1637/"},{"href":"https://uscode.house.gov/us/usc/119-134/t15/s1604/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-134/t15/s1604/"},{"href":"https://uscode.house.gov/us/usc/119-134/t15/s1640/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-134/t15/s1640/"},{"href":"https://uscode.house.gov/us/usc/119-134/t15/s1637/?utm_source=chatgpt.com","text":"uscode.house.gov\n+5"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/c/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1026/c/"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/interp-0/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1026/interp-0/"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/c/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau\n+1"}],[{"href":"https://www.govinfo.gov/content/pkg/PLAW-111publ24/pdf/PLAW-111publ24.pdf?utm_source=chatgpt.com","text":"https://www.govinfo.gov/content/pkg/PLAW-111publ24/pdf/PLAW-111publ24.pdf"},{"href":"https://www.govinfo.gov/content/pkg/PLAW-111publ24/pdf/PLAW-111publ24.pdf?utm_source=chatgpt.com","text":"govinfo.gov\n+1"}],[{"href":"https://www.govinfo.gov/content/pkg/FR-2010-02-22/html/2010-624.htm?utm_source=chatgpt.com","text":"https://www.govinfo.gov/content/pkg/FR-2010-02-22/html/2010-624.htm"},{"href":"https://www.govinfo.gov/content/pkg/FR-2010-02-22/pdf/2010-624.pdf?utm_source=chatgpt.com","text":"https://www.govinfo.gov/content/pkg/FR-2010-02-22/pdf/2010-624.pdf"},{"href":"https://www.govinfo.gov/content/pkg/FR-2010-02-22/html/2010-624.htm?utm_source=chatgpt.com","text":"govinfo.gov\n+6"}],[{"href":"https://www.govinfo.gov/content/pkg/FR-2011-04-25/html/2011-8843.htm?utm_source=chatgpt.com","text":"https://www.govinfo.gov/content/pkg/FR-2011-04-25/html/2011-8843.htm"},{"href":"https://www.govinfo.gov/content/pkg/FR-2011-04-25/pdf/2011-8843.pdf?utm_source=chatgpt.com","text":"https://www.govinfo.gov/content/pkg/FR-2011-04-25/pdf/2011-8843.pdf"},{"href":"https://www.govinfo.gov/content/pkg/FR-2011-05-31/html/2011-12795.htm?utm_source=chatgpt.com","text":"https://www.govinfo.gov/content/pkg/FR-2011-05-31/html/2011-12795.htm"},{"href":"https://www.govinfo.gov/content/pkg/FR-2011-04-25/html/2011-8843.htm?utm_source=chatgpt.com","text":"govinfo.gov\n+5"}],[{"href":"https://www.federalregister.gov/documents/2011/12/22/2011-31715/truth-in-lending-regulation-z?utm_source=chatgpt.com","text":"https://www.federalregister.gov/documents/2011/12/22/2011-31715/truth-in-lending-regulation-z"},{"href":"https://www.federalregister.gov/documents/2011/12/22/2011-31715/truth-in-lending-regulation-z?utm_source=chatgpt.com","text":"federalregister.gov\n+5"}],[{"href":"https://www.govinfo.gov/content/pkg/FR-2016-04-28/html/2016-09431.htm?utm_source=chatgpt.com","text":"https://www.govinfo.gov/content/pkg/FR-2016-04-28/html/2016-09431.htm"},{"href":"https://www.govinfo.gov/content/pkg/FR-2016-04-28/html/2016-09431.htm?utm_source=chatgpt.com","text":"govinfo.gov\n+2"}],[{"href":"https://www.govinfo.gov/content/pkg/FR-2024-12-30/pdf/2024-29699.pdf?utm_source=chatgpt.com","text":"https://www.govinfo.gov/content/pkg/FR-2024-12-30/pdf/2024-29699.pdf"},{"href":"https://www.govinfo.gov/content/pkg/FR-2024-12-30/pdf/2024-29699.pdf?utm_source=chatgpt.com","text":"govinfo.gov\n+3"}],[{"href":"https://www.govinfo.gov/content/pkg/PLAW-119publ10/pdf/PLAW-119publ10.pdf?utm_source=chatgpt.com","text":"https://www.govinfo.gov/content/pkg/PLAW-119publ10/pdf/PLAW-119publ10.pdf"},{"href":"https://www.govinfo.gov/content/pkg/PLAW-119publ10/pdf/PLAW-119publ10.pdf?utm_source=chatgpt.com","text":"govinfo.gov"}],[{"href":"https://uscode.house.gov/us/usc/119-134/t11/s111/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-134/t11/s111/"},{"href":"https://uscode.house.gov/us/usc/119-134/t11/s111/?utm_source=chatgpt.com","text":"uscode.house.gov"}]],"rows":[["Source ID; issuer and title","Complete literal HTTPS URLs","Exact read bounds","Displayed version, legal status, effective/application information, access and limits"],["R088-P1-S001 — CFPB; Appendix M1 to Part 1026, Repayment Disclosures","https://www.consumerfinance.gov/rules-policy/regulations/1026/m1/\nhttps://www.ecfr.gov/current/title-12/chapter-X/part-1026/appendix-Appendix%20M1%20to%20Part%201026","Complete CFPB body: (a)(1)–(2); (b)(1)–(5), including (b)(4)(i)–(xi); (c); (d)(1)–(4); (e); (f). Selected matching eCFR passages and its status banner.","CFPB: “This version is the current regulation,” without an appendix-specific edition date. Initial eCFR display: Title 12 up to date October 23, 2026, title last amended October 23, 2026. Those are title-level labels, not proof of an M1 amendment that day. Codified regulatory calculation instructions, with mandatory and permissive clauses. Access October 28, 2026 PDT. Necessary adoption history is S009–S012. \nConsumer Financial Protection Bureau\n+4"],["R088-P1-S002 — CFPB; Appendix M2, Sample Calculations of Repayment Disclosures","https://www.consumerfinance.gov/rules-policy/regulations/1026/m2/\nhttps://www.ecfr.gov/current/title-12/chapter-X/part-1026/appendix-Appendix%20M2%20to%20Part%201026","Complete CFPB introduction, variable comments, inputs, calculation code, output statements, and closing run statement. Selected corresponding eCFR code.","CFPB current-regulation label. The retrieved eCFR page displayed Title 12 currency October 6, 2026 and last amendment October 2, 2026—different from the M1 retrieval. A codified example, not an independently verified implementation. No execution or computed output. Access October 28 PDT. Original sample also read in S009 and S011. \nConsumer Financial Protection Bureau\n+4"],["R088-P1-S003 — CFPB; § 1026.7 and Supplement I repayment-disclosure interpretations","https://www.consumerfinance.gov/rules-policy/regulations/1026/7/\nhttps://www.consumerfinance.gov/rules-policy/regulations/1026/interp-7/","Complete § 1026.7(b)(12)(i)–(v), including all subclauses; complete (b)(13); comments 7(b)(12)-1, 7(b)(12)(i)(F)-1, 7(b)(12)(iv)-1 through -7, 7(b)(12)(v)-1, and 7(b)(13)-1.","Current CFPB regulatory/official-interpretation display. Regulation and Supplement I are distinguished. No claim of reading all § 1026.7 or all Supplement I. Appendix G sample images were not visually examined. Access October 28 PDT. \nConsumer Financial Protection Bureau\n+2"],["R088-P1-S004 — CFPB/OFR; narrow Regulation Z authority and definitions","https://www.consumerfinance.gov/rules-policy/regulations/1026/1/\nhttps://www.consumerfinance.gov/rules-policy/regulations/1026/2/\nhttps://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-A/section-1026.2","§ 1026.1(a); selected purpose context. Complete material definitions in § 1026.2(a)(4), (7), (8), (11), (12), (14), (15), (17), (20), (21), and (22); reliance on creditor coverage is limited to the relevant (17)(iii) route. Selected billing-cycle and card-definition commentary.","CFPB current label. Retrieved eCFR § 1026.2 banner: up to date October 26, 2026; Title 12 last amended October 23, 2026. Material (a)(15) display discrepancy is addressed by S013–S014. Full § 1026.61 prepaid-credit coverage and all general Regulation Z exemptions are held. Access October 28 PDT. \nConsumer Financial Protection Bureau\n+6"],["R088-P1-S005 — CFPB; periodic-statement trigger","https://www.consumerfinance.gov/rules-policy/regulations/1026/5/","Complete § 1026.5(b)(2)(i), and comments 5(b)(2)(i)-1 through -4. Reliance limited to statement requirement, exceptions, and continuation when draw privileges end without conversion.","Current regulatory and official-interpretation display. Full delivery-timing, billing-error, and collection regimes were not investigated. Access October 28 PDT. \nConsumer Financial Protection Bureau"],["R088-P1-S006 — Congress/OLRC; narrow TILA authority, repayment disclosure, and interpretation-effect clauses","https://uscode.house.gov/us/usc/119-134/t15/s1637/\nhttps://uscode.house.gov/us/usc/119-134/t15/s1604/\nhttps://uscode.house.gov/us/usc/119-134/t15/s1640/","§ 1637(b) introductory sentence and complete (b)(11)(A)–(G); relevant 2009/2010 amendment and effective-date notes. Complete § 1604(a). Complete § 1640(f), solely for the official-interpretation boundary.","Each opened current edition states laws in effect through Public Law 119-134, October 20, 2026. Enacted statutory provisions as compiled by OLRC; editorial notes distinguished from original enactments. No complete TILA, liability, jurisdiction, or post-cutoff history review. Initial legacy-style endpoints failed; current-edition redirects worked. Access October 28 PDT. \nuscode.house.gov\n+5"],["R088-P1-S007 — CFPB; Appendix C and Supplement I Introduction","https://www.consumerfinance.gov/rules-policy/regulations/1026/c/\nhttps://www.consumerfinance.gov/rules-policy/regulations/1026/interp-0/","Complete displayed Appendix C, including official interpretations, request provision, and scope restriction; current Introduction paragraphs 1–4 as displayed. Reliance primarily on official status and the calculation-tool approval boundary.","Current-regulation labels. These are codified interpretation provisions, not a circular, bulletin, or advisory opinion. No request was prepared or sent. No actual tool approval is inferred. Access October 28 PDT. \nConsumer Financial Protection Bureau\n+1"],["R088-P1-S008 — Congress; Credit CARD Act of 2009, Pub. L. 111-24","https://www.govinfo.gov/content/pkg/PLAW-111publ24/pdf/PLAW-111publ24.pdf","Complete § 3 effective-date clause, 123 Stat. 1735, PDF index 2; complete § 201(a)–(c), 123 Stat. 1743–1745, indices 10–12; enactment/title context at 123 Stat. 1734, index 1.","Enacted May 22, 2009. Historical adopted amendment, not a substitute for current § 1637. § 3 contains a nine-month default with an express “except as otherwise specifically provided” qualification; § 201(c) separately contains a rulemaking period. Parsed text only; selected Act clauses, not whole Act. Access October 28 PDT. \ngovinfo.gov\n+1"],["R088-P1-S009 — Federal Reserve Board; 2010 Regulation Z final rule","https://www.govinfo.gov/content/pkg/FR-2010-02-22/html/2010-624.htm\nhttps://www.govinfo.gov/content/pkg/FR-2010-02-22/pdf/2010-624.pdf","Dates clause at 75 FR 7658, index 0; complete amendatory instruction 24 and M1(a)–(f), 75 FR 7846–7848, indices 188–190; complete instruction 24a and M2, 7848, index 190. Selected complete repayment-duration explanation and periodic-statement application paragraph.","Final rule published/effective February 22, 2010; selected statement obligations have that mandatory-compliance date, while other provisions have July 1, 2010. Historical Part 226 adoption. Original M1(f) used whole-dollar savings components; later amendment is S010. HTML and selected parsed PDF, not whole 268-page rule. Screenshot limitations retained. \ngovinfo.gov\n+6"],["R088-P1-S010 — Federal Reserve Board; 2011 amendment and correction","https://www.govinfo.gov/content/pkg/FR-2011-04-25/html/2011-8843.htm\nhttps://www.govinfo.gov/content/pkg/FR-2011-04-25/pdf/2011-8843.pdf\nhttps://www.govinfo.gov/content/pkg/FR-2011-05-31/html/2011-12795.htm","Complete instruction 15 revising M1(f), printed 76 FR 23004–23005; HTML body complete, parsed PDF beginning at index 56. Dates at 22948, index 0; IV.A–B and IV.E application provisions; relevant adopted § 226.7(b)(12) changes. Complete May 31 correction body, 76 FR 31221–31222, HTML.","April 25, 2011 final amendment; effective and mandatory October 1, 2011; earlier compliance permitted. Prospective application, ordinarily existing and new accounts/balances; statement mailing/delivery trigger. Correction also effective October 1, 2011; its enumerated corrections do not revise M1. Historical printed cross-reference defects are not silently substituted for current text. Selected amendment, not whole 93-page rule. Access October 28 PDT. \ngovinfo.gov\n+5"],["R088-P1-S011 — CFPB; 2011 Regulation Z republication","https://www.federalregister.gov/documents/2011/12/22/2011-31715/truth-in-lending-regulation-z","Dates; Authority and Issuance adding Part 1026; selected explanation of republication; complete republished M1(a)–(f), printed 76 FR 79914–79916; complete M2, 79916–79917. HTML printed-page markers; PDF index unavailable because PDF access failed.","Published December 22, 2011; interim final rule effective December 30, 2011. This is the original rulemaking’s official FederalRegister.gov HTML presentation, not an inspected official-print PDF. GovInfo HTML failed and PDF exceeded the retrieval limit. Subsequent finalization is S012. Access October 28 PDT. \nfederalregister.gov\n+5"],["R088-P1-S012 — CFPB; Finalization of Interim Final Rules, subject to intervening amendments","https://www.govinfo.gov/content/pkg/FR-2016-04-28/html/2016-09431.htm","Dates and scope of finalization; operative Authority and Issuance opening and complete item M identifying the Regulation Z republication and listed intervening amendments. Printed 81 FR 25323, 25325–25326; HTML.","Final rule/official interpretations, effective April 28, 2016. Finalization expressly preserves intervening amendments; reading its list is not reading all listed instruments. Access October 28 PDT. \ngovinfo.gov\n+2"],["R088-P1-S013 — CFPB; 2024 Overdraft Lending final rule, narrow scope-conflict check","https://www.govinfo.gov/content/pkg/FR-2024-12-30/pdf/2024-29699.pdf","Dates clause, 89 FR 106768, index 0; complete amendatory instruction 5 and replacement § 1026.2(a)(15)(i)–(iv), 106837, index 69.","Published December 30, 2024, with a stated October 1, 2025 effective date. Not treated as operative authority: S014 disapproved the identified rule. Selected parsed text only, not whole 78-page rule or an overdraft dossier. HTML endpoint failed; PDF was readable. Access October 28 PDT. \ngovinfo.gov\n+3"],["R088-P1-S014 — Congress; Pub. L. 119-10, overdraft-rule disapproval","https://www.govinfo.gov/content/pkg/PLAW-119publ10/pdf/PLAW-119publ10.pdf","Complete operative resolution and approval line, 139 Stat. 53, PDF index 0.","Enacted/approved May 9, 2025. Identifies the final rule at 89 FR 106768 and states it has no force or effect. Parsed text fully read; no visual verification claim. Does not itself authenticate every later amendment or every specialized account classification. Access October 28 PDT. \ngovinfo.gov"],["R088-P1-S015 — Congress/OLRC; 11 USC 111(a), narrow counseling-category incorporation","https://uscode.house.gov/us/usc/119-134/t11/s111/","Complete § 111(a)(1)–(2), solely to distinguish approved nonprofit budget/credit-counseling agencies from approved financial-management instructional courses.","Compilation through Public Law 119-134, October 20, 2026. Section 109(h) service/eligibility predicates and the full approval regime are held. No roster or organization was opened. Access October 28 PDT. \nuscode.house.gov"]]},{"headers":["M1 location","Actual function","Legal/methodological distinction"],"index":1,"links":[],"row_links":[[],[],[],[],[],[],[]],"rows":[["M1 location","Actual function","Legal/methodological distinction"],["(a)(1)–(2)","Defines promotional terms and a deferred-interest or similar plan.","Defined categories are predicates; no actual promotion or expiry is established."],["(b)(1)–(5)","Minimum-payment duration: applicable formulas, APRs, starting balance, eleven selectable assumptions, and tolerance.","Applicable minimum formulas are inputs; M1 does not prescribe one universal minimum formula."],["(c)","Minimum-payment total cost.","Includes principal and interest; it is not interest alone."],["(d)(1)–(4)","Equal monthly payment for the thirty-six-month comparison, permitted weighted-rate method, alternatives, assumptions, and tolerance.","Weighted-rate calculation is permitted, not the exclusive method."],["(e)","Total cost under the thirty-six-month payment estimate.","Depends on the paragraph (d) estimate and its specified accuracy treatment."],["(f)","Savings comparison.","Subtracts separately rounded cost components; does not calculate settlement, tax, provider-fee, or other net savings."]]},{"headers":["Claim ID","Supported proposition","Conditions, exceptions, and limits","Exact authority"],"index":2,"links":[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/m1/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/m1/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau\n+1"},{"href":"https://www.ecfr.gov/current/title-12/chapter-X/part-1026/appendix-Appendix%20M2%20to%20Part%201026?utm_source=chatgpt.com","text":"ecfr.gov\n+3"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/1/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau\n+1"},{"href":"https://uscode.house.gov/us/usc/119-134/t15/s1637/?utm_source=chatgpt.com","text":"uscode.house.gov\n+2"},{"href":"https://uscode.house.gov/us/usc/119-134/t15/s1637/?utm_source=chatgpt.com","text":"uscode.house.gov"},{"href":"https://uscode.house.gov/us/usc/119-134/t15/s1637/?utm_source=chatgpt.com","text":"uscode.house.gov\n+2"},{"href":"https://uscode.house.gov/us/usc/119-134/t15/s1637/?utm_source=chatgpt.com","text":"uscode.house.gov\n+2"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/2/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau\n+1"},{"href":"https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-A/section-1026.2?utm_source=chatgpt.com","text":"ecfr.gov\n+1"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/2/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau\n+1"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/2/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/2/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau\n+1"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/2/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau\n+1"},{"href":"https://www.govinfo.gov/content/pkg/FR-2024-12-30/pdf/2024-29699.pdf?utm_source=chatgpt.com","text":"govinfo.gov\n+2"},{"href":"https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-A/section-1026.2?utm_source=chatgpt.com","text":"ecfr.gov"},{"href":"https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-A/section-1026.2?utm_source=chatgpt.com","text":"ecfr.gov\n+1"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/2/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/5/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/5/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/5/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/7/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/7/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/7/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/7/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/7/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/7/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/7/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/7/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/7/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau\n+1"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/interp-7/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/7/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"}],"row_links":[[],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/m1/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/m1/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau\n+1"}],[{"href":"https://www.ecfr.gov/current/title-12/chapter-X/part-1026/appendix-Appendix%20M2%20to%20Part%201026?utm_source=chatgpt.com","text":"ecfr.gov\n+3"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/1/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau\n+1"}],[{"href":"https://uscode.house.gov/us/usc/119-134/t15/s1637/?utm_source=chatgpt.com","text":"uscode.house.gov\n+2"}],[{"href":"https://uscode.house.gov/us/usc/119-134/t15/s1637/?utm_source=chatgpt.com","text":"uscode.house.gov"}],[{"href":"https://uscode.house.gov/us/usc/119-134/t15/s1637/?utm_source=chatgpt.com","text":"uscode.house.gov\n+2"}],[{"href":"https://uscode.house.gov/us/usc/119-134/t15/s1637/?utm_source=chatgpt.com","text":"uscode.house.gov\n+2"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/2/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau\n+1"}],[{"href":"https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-A/section-1026.2?utm_source=chatgpt.com","text":"ecfr.gov\n+1"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/2/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau\n+1"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/2/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/2/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau\n+1"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/2/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau\n+1"}],[{"href":"https://www.govinfo.gov/content/pkg/FR-2024-12-30/pdf/2024-29699.pdf?utm_source=chatgpt.com","text":"govinfo.gov\n+2"}],[{"href":"https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-A/section-1026.2?utm_source=chatgpt.com","text":"ecfr.gov"}],[{"href":"https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-A/section-1026.2?utm_source=chatgpt.com","text":"ecfr.gov\n+1"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/2/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/5/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/5/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/5/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/7/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/7/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/7/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/7/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/7/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/7/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/7/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/7/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/7/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau\n+1"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/interp-7/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/7/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"}]],"rows":[["Claim ID","Supported proposition","Conditions, exceptions, and limits","Exact authority"],["R088-P1-C001","Current displayed M1 consists of (a)–(f), including two definitions and eleven paragraph (b)(4) assumptions.","No missing or reserved M1 subdivision was identified in the complete body read. M2 is a separate linked appendix.","S001, complete body; S002 introduction. \nConsumer Financial Protection Bureau"],["R088-P1-C002","CFPB labels the displayed M1 current; eCFR supplied a title-level currency date.","Neither label establishes an exhaustive later-law or judicial-history chain.","S001 banners; S009–S012 selected history. \nConsumer Financial Protection Bureau\n+1"],["R088-P1-C003","Retrieved official displays had different currency labels and a substantive definition discrepancy.","The M2 and § 1026.2 retrieval labels cannot be substituted for M1’s label; the overdraft discrepancy requires S013–S014.","S002, S004, S013–S014. \necfr.gov\n+3"],["R088-P1-C004","Regulation Z is issued by CFPB to implement TILA; § 1604(a) directs regulations and permits specified adjustments/classifications/exceptions.","Section 1604(a)’s express mortgage-related qualification is preserved; the referenced mortgage regime is not analyzed here.","S004 § 1026.1(a); S006 § 1604(a). \nConsumer Financial Protection Bureau\n+1"],["R088-P1-C005","Section 1637(b)(11) requires specified repayment information, including minimum-payment duration/cost and a thirty-six-month payment/cost comparison.","Statutory assumptions include no further advances; cost includes principal and interest. The periodic-statement introductory condition also matters.","S006 § 1637(b) introduction; (b)(11)(A)–(B). \nuscode.house.gov\n+2"],["R088-P1-C006","The statute uses disclosure-date rates, with a separate temporary-rate/index-or-formula transition instruction.","The temporary rate applies for its contractual duration, then the index/formula on the applicable billing date. No actual rate or contractual duration is known.","S006 § 1637(b)(11)(C)(i)–(ii). \nuscode.house.gov"],["R088-P1-C007","Statutory repayment information must follow prescribed form, prominence, table, ordering, and understandable-terminology requirements.","These are disclosure requirements, not proof that any particular statement or tool complies.","S006 § 1637(b)(11)(D)–(G). \nuscode.house.gov\n+2"],["R088-P1-C008","Statutory months wording and the regulation’s years-for-longer-periods display rule are not identical.","The 2010 adoption expressly explains the adjustment under statutory authority. That explanation is not an independent judicial ruling on validity or application.","S006 § 1637(b)(11)(B)(i); S003 § 7(b)(12)(i)(B); S009 selected rounding explanation. \nuscode.house.gov\n+2"],["R088-P1-C009","Consumer credit is credit offered or extended primarily for personal, family, or household purposes; “consumer” has the regulation’s defined meaning.","Special extensions of “consumer” for other sections do not erase the purpose restriction of this selected disclosure category.","S004 § 2(a)(11)–(12). \nConsumer Financial Protection Bureau\n+1"],["R088-P1-C010","Card issuer includes the issuing person or its agent regarding the card; cardholder and person are separately defined.","Cardholder’s broader business-use definition is expressly for § 1026.12(a)–(b), not a blanket expansion of M1. Agency or payment responsibility is not established for anyone.","S004 § 2(a)(7), (8), (22). \necfr.gov\n+1"],["R088-P1-C011","Open-end credit requires a plan satisfying repeated-transaction contemplation, possible finance charge on unpaid balance, and replenishment as balances are repaid.","All three regulatory conditions matter; a marketing label alone is insufficient.","S004 § 2(a)(14), (20)(i)–(iii). \nConsumer Financial Protection Bureau\n+1"],["R088-P1-C012","A credit card is a card, plate, or other single credit device usable from time to time to obtain credit; CFPB’s body includes hybrid prepaid-credit cards by cross-reference.","Complete § 1026.61 classification is held; no conclusion about a particular device, transfer, or prepaid feature follows.","S004 § 2(a)(15)(i). \nConsumer Financial Protection Bureau"],["R088-P1-C013","CFPB’s account definition excludes a card-accessed § 1026.40 home-equity plan and specified overdraft lines, with an account-number/hybrid-prepaid exception.","The exception refers to a covered separate credit feature under § 1026.61; that specialized predicate remains unresolved here.","S004 § 2(a)(15)(ii)(A)–(C). \nConsumer Financial Protection Bureau\n+1"],["R088-P1-C014","“Charge card” is defined by absence of a periodic rate used to calculate a finance charge.","That definition is distinct from the specific full-balance-payment condition in the repayment-disclosure exemption.","S004 § 2(a)(15)(iii); S003 § 7(b)(12)(v)(A). \nConsumer Financial Protection Bureau\n+1"],["R088-P1-C015","The eCFR definition wording matched the adopted 2024 overdraft amendment, which Public Law 119-10 disapproved.","The resolution says the identified rule has no force or effect. The displayed expansion is not relied on as operative coverage; complete later-law/codifier history remains held.","S013 instruction 5; S014 operative clause. \ngovinfo.gov\n+2"],["R088-P1-C016","For Subpart B, § 2(a)(17)(iii) includes an issuer extending open-end credit, or credit without a finance charge and not payable by written agreement in more than four installments.","This is a particular creditor-definition route; other routes and full jurisdictional exemptions are not resolved.","S004 § 2(a)(17)(iii). \necfr.gov"],["R088-P1-C017","A billing cycle is the interval between regular periodic statements; the regulatory definition requires equal intervals no longer than a quarter-year, with specified four-day variance.","Selected commentary distinguishes first and transitional cycles for equality. This does not prescribe M1’s optional equal-month calculation convention as an actual billing term.","S004 § 2(a)(4); comment 2(a)(4)-3. \necfr.gov\n+1"],["R088-P1-C018","A periodic rate is a finance-charge rate applicable to a balance for a subdivision of a year.","A monthly/daily calculation convention is not proof of the actual account’s APR or accrual method.","S004 § 2(a)(21). \nConsumer Financial Protection Bureau"],["R088-P1-C019","Section 5(b)(2)(i) generally requires a statement for a cycle ending with a debit or credit balance over $1, or one on which a finance charge was imposed.","The alternatives and the exceptions in the same paragraph must be retained.","S005 § 5(b)(2)(i). \nConsumer Financial Protection Bureau"],["R088-P1-C020","Statement exceptions include deemed-uncollectible accounts, instituted delinquency proceedings, qualifying charge-off with no further fees/interest, or conflict with federal law.","Commentary defines cessation of collection efforts and distinguishes adjudicatory proceedings from mere assignment to a collector. No debt release is established.","S005 § 5(b)(2)(i); comments -3 and -4. \nConsumer Financial Protection Bureau"],["R088-P1-C021","Ending draw privileges without conversion to closed-end credit does not itself eliminate otherwise-required periodic statements.","The comment includes a workout that is not converted to a closed-end transaction. No actual workout is examined.","S005 comment 5(b)(2)(i)-2. \nConsumer Financial Protection Bureau"],["R088-P1-C022","Subject to its exceptions, § 7(b)(12) requires repayment disclosures on each periodic statement for its defined credit-card-account category.","Coverage, statement requirement, qualifying category, and exceptions are separate questions.","S003 § 7(b)(12)(i). \nConsumer Financial Protection Bureau"],["R088-P1-C023","Repayment disclosures are exempt for charge-card accounts requiring payment of outstanding balances in full at each cycle end.","This is not an exemption for every account called a charge card without checking the stated condition.","S003 § 7(b)(12)(v)(A). \nConsumer Financial Protection Bureau"],["R088-P1-C024","Another exemption applies to the cycle immediately following two consecutive cycles meeting the full-payment, zero-balance, or credit-balance condition.","One qualifying cycle alone does not establish this exemption.","S003 § 7(b)(12)(v)(B). \nConsumer Financial Protection Bureau"],["R088-P1-C025","A cycle is exempt when its required minimum would pay its entire outstanding balance.","The comment includes an immediately-due full balance on a charged-off account; this concerns disclosure, not extinguishment.","S003 § 7(b)(12)(v)(C); comment -1. \nConsumer Financial Protection Bureau"],["R088-P1-C026","The thirty-six-month comparison is not required when the disclosed minimum-payment duration, after rounding, is three years or less.","This is an exception to the comparison disclosures, not necessarily all repayment disclosures.","S003 § 7(b)(12)(i)(F)(2)(i); comment (F)-1. \nConsumer Financial Protection Bureau"],["R088-P1-C027","The comparison is also not required when its rounded monthly estimate is less than that cycle’s required minimum.","The comparison is strict “less than,” and uses the specified rounding.","S003 § 7(b)(12)(i)(F)(2)(ii). \nConsumer Financial Protection Bureau"],["R088-P1-C028","A further comparison exception requires both a revolving-feature balance without fixed-time contractual amortization and a fixed-repayment-feature balance amortizing in a contractual period below thirty-six months.","Both feature conditions and the strict duration condition matter.","S003 § 7(b)(12)(i)(F)(2)(iii). \nConsumer Financial Protection Bureau"],["R088-P1-C029","Negative or no amortization triggers a replacement disclosure set.","It includes prescribed warnings, the thirty-six-month payment estimate and accompanying statement, and counseling-information number; no finite minimum-payment payoff period is invented.","S003 § 7(b)(12)(ii)(A)–(E). \nConsumer Financial Protection Bureau"],["R088-P1-C030","Duration below two years is disclosed in months; otherwise in years rounded to a whole year.","The original adoption explains the half-year rounding boundary; no actual calendar calculation follows.","S003 § 7(b)(12)(i)(B); S009 rounding explanation. \nConsumer Financial Protection Bureau\n+1"],["R088-P1-C031","The issuer chooses dollar or cent rounding for the specified monetary disclosures, but must use the choice consistently.","It may not mix whole-dollar and cent display rounding among those disclosures.","S003 comment 7(b)(12)-1. \nConsumer Financial Protection Bureau"],["R088-P1-C032","Repayment disclosures have proximity/grouping and substantially-similar-format requirements.","§ 7(b)(13) and G-18 samples are referenced; no sample-image or actual-statement visual compliance finding is made.","S003 § 7(b)(12)(iii), (b)(13), comment 7(b)(13)-1. \nConsumer Financial Protection Bureau"]]},{"headers":["Claim ID","Supported proposition","Conditions, exceptions, and limits","Exact authority"],"index":3,"links":[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/m1/?utm_source=chatgpt.com","text":"Consumer Financial Protection 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for accrued interest if the relevant balance/transactions are paid in full before the specified period expires.","“Prior to expiration” is preserved; no actual completion or grace period is established.","S001(a)(2). \nConsumer Financial Protection Bureau"],["R088-P1-C035","The minimum-payment estimate uses applicable minimum-payment formulas; with multiple formulas, each applies to its relevant balance portion and the longest calculated period is disclosed.","M1’s formula illustration is not a universal minimum-payment formula.","S001(b)(1). \nConsumer Financial Protection Bureau"],["R088-P1-C036","Promotional payment terms may be disregarded, or used until expiration followed by the successor formula.","They may not be extended beyond expiration throughout a longer payoff estimate. This permission concerns payment terms, not the separate APR rule.","S001(b)(1), complete promotional-payment paragraphs. \nConsumer Financial Protection Bureau"],["R088-P1-C037","Applicable APRs must be used for the balance portions to which they apply.","No universal rate or actual rate is established.","S001(b)(2), opening sentence. \nConsumer Financial Protection Bureau"],["R088-P1-C038","Non-deferred-interest promotional APRs must be used until expiration, then the applicable successor APR; a variable successor uses the applicable index/formula.","The successor variable rate is considered accurate if in effect within the last thirty days before the estimate is provided.","S001(b)(2). \nConsumer Financial Protection Bureau"],["R088-P1-C039","Deferred-interest treatment depends on whether minimum payments will pay the balance in full before expiration.","If they will, use zero APR for the affected balance. If they may not, assume accrued interest will be owed and use the accrual APR. This is a disclosure assumption, not a finding about actual future performance.","S001(b)(2), deferred-interest paragraphs. \nConsumer Financial Protection Bureau"],["R088-P1-C040","The starting balance is the outstanding balance at the last billing cycle’s closing date.","Rounding that starting balance to the nearest whole dollar is permitted.","S001(b)(3). \nConsumer Financial Protection Bureau"],["R088-P1-C041","For each listed paragraph (b)(4) term, the issuer may use the stated assumption or the applicable account term.","The list must not be represented as eleven universally mandatory contractual terms.","S001(b)(4), introductory sentence. \nConsumer Financial Protection Bureau"],["R088-P1-C042","One permitted assumption is only minimum monthly payments, made every month, without cancellation/suspension/skip-payment features.","Subject to the term-by-term choice in C041. It is not an instruction to a consumer to make or omit a payment.","S001(b)(4)(i). \nConsumer Financial Protection Bureau"],["R088-P1-C043","One permitted assumption is no additional credit, purchases, transactions, fees, charges, other activity, refunds, or rebates.","This does not identify the composition of the existing statement balance or prove actual future fees will be absent.","S001(b)(4)(ii), (b)(3). \nConsumer Financial Protection Bureau"],["R088-P1-C044","Rates may be assumed unchanged except for paragraph (b)(2)’s rules.","The source permits assuming a currently applicable penalty APR continues despite possible later return to a non-penalty APR. No prediction of actual rate treatment follows.","S001(b)(4)(iii). \nConsumer Financial Protection Bureau"],["R088-P1-C045","No grace period is a permitted assumption.","It does not remove any actual contractual or legal grace-period rights.","S001(b)(4)(iv), subject to C041. \nConsumer Financial Protection Bureau"],["R088-P1-C046","The final payment may be assumed to pay the account in full with no residual finance charge after the final month.","It is not an actual payoff statement or release.","S001(b)(4)(v). \nConsumer Financial Protection Bureau"],["R088-P1-C047","Average daily balance is a permitted balance-calculation assumption.","This does not establish the method required by an actual agreement.","S001(b)(4)(vi). \nConsumer Financial Protection Bureau"],["R088-P1-C048","Equal-length months, ignored leap year, and monthly or daily periodic rates are permitted; the daily alternatives pair 365 days with 30.41667-day months, or 360 days with 30-day months.","The pairs are source conventions; they are not actual calendar lengths.","S001(b)(4)(vii). \nConsumer Financial Protection Bureau"],["R088-P1-C049","Crediting payments on the last day of the month or billing cycle is a permitted assumption.","No actual posting deadline, receipt rule, or payment due date is supplied.","S001(b)(4)(viii). \nConsumer Financial Protection Bureau"],["R088-P1-C050","Allocation to lower-APR balances before higher-APR balances is a permitted calculation assumption.","This is not an investigation or statement of actual payment-allocation law; § 1026.53 remains a separate, unexamined component.","S001(b)(4)(ix), introductory choice clause. \nConsumer Financial Protection Bureau"],["R088-P1-C051","The account may be assumed not past due and not over its credit limit.","No actual status or consequence is established.","S001(b)(4)(x). \nConsumer Financial Protection Bureau"],["R088-P1-C052","Assumed monthly payments, current balance, and monthly interest charges may be rounded to the nearest cent.","M1 refers to M2; it does not supply a complete machine-arithmetic or currency-tie specification.","S001(b)(4)(xi); S002. \nConsumer Financial Protection Bureau\n+1"],["R088-P1-C053","The duration estimate is considered accurate within two months above or below the proper benchmark, before the years-display rounding.","The benchmark must respect the issuer’s choice of actual account terms instead of a listed assumption.","S001(b)(5), first sentence. \nConsumer Financial Protection Bureau"],["R088-P1-C054","A separate sufficient accuracy route exists when the correct rounded number of years is disclosed, even if the underlying duration differs by more than two months.","This is the source’s years-disclosure route, not a general license to substitute any duration or to invent a finite result.","S001(b)(5), remaining paragraphs. \nConsumer Financial Protection Bureau"],["R088-P1-C055","Minimum-payment total cost totals principal and interest over the calculated minimum-payment duration and is deemed accurate when based on a duration satisfying (b)(5).","Both duration-accuracy routes matter. M1 does not establish a separate universal percentage tolerance for this cost.","S001(c). \nConsumer Financial Protection Bureau"],["R088-P1-C056","The comparison estimates a payment sufficient to pay the statement balance within thirty-six months while assuming the same amount each month for thirty-six months.","The estimate is not a contractual payment change or affordability finding.","S001(d)(1). \nConsumer Financial Protection Bureau"],["R088-P1-C057","A balance-weighted APR method is permitted for the comparison.","It uses applicable APRs and the portions of the balance to which they apply; it is not exclusive.","S001(d)(2), opening sentence. \nConsumer Financial Protection Bureau"],["R088-P1-C058","When that method is used with a non-deferred promotional APR, the promotional and successor rates are weighted by the fractions of the thirty-six-month comparison for which each applies.","Actual duration and successor rate remain necessary inputs.","S001(d)(2). \nConsumer Financial Protection Bureau"],["R088-P1-C059","Deferred-interest treatment in the weighted-rate comparison again uses the minimum-payment-before-expiration test.","It does not simply assume that paying the thirty-six-month estimate avoids deferred interest.","S001(d)(2), deferred-interest paragraphs. \nConsumer Financial Protection Bureau"],["R088-P1-C060","A method other than weighted APR is permitted if it produces the same payment each month and the total pays the statement balance within thirty-six months.","Both conditions are necessary; no alternative implementation is created here.","S001(d)(2), final sentence. \nConsumer Financial Protection Bureau"],["R088-P1-C061","The comparison must use paragraph (b)’s terms as appropriate.","“As appropriate” does not authorize ignoring the comparison’s equal-payment requirement or the special rate rules.","S001(d)(3). \nConsumer Financial Protection Bureau"],["R088-P1-C062","The comparison payment is considered accurate if no more than ten percent above or below the proper estimate after the referenced rounding.","This tolerance concerns the specified disclosure estimate, not proof of a website’s overall accuracy or compliance.","S001(d)(4). \nConsumer Financial Protection Bureau"],["R088-P1-C063","The thirty-six-month total cost totals principal and interest paid using the paragraph (d) monthly payment for thirty-six months.","It is considered accurate when based on a payment calculated in accordance with (d).","S001(e). \nConsumer Financial Protection Bureau"],["R088-P1-C064","Savings subtracts the separately rounded thirty-six-month cost from the separately rounded minimum-payment cost.","The same dollar-or-cent display choice governs both components; rounding only the raw difference is not the stated sequence.","S001(f); S003 comment 7(b)(12)-1. \nConsumer Financial Protection Bureau\n+1"],["R088-P1-C065","Savings accuracy depends on compliant paragraph (c) and (e) costs.","The defined comparison does not establish realized savings, settlement savings, or savings net of unexamined fees, taxes, or unresolved obligations.","S001(c), (e), (f); bounded scope inference. \nConsumer Financial Protection Bureau"]]},{"headers":["Claim ID","Supported proposition","Conditions, exceptions, and limits","Exact authority"],"index":4,"links":[{"href":"https://www.federalregister.gov/documents/2011/12/22/2011-31715/truth-in-lending-regulation-z?utm_source=chatgpt.com","text":"federalregister.gov"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/m2/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau\n+1"},{"href":"https://www.federalregister.gov/documents/2011/12/22/2011-31715/truth-in-lending-regulation-z?utm_source=chatgpt.com","text":"federalregister.gov"},{"href":"https://www.federalregister.gov/documents/2011/12/22/2011-31715/truth-in-lending-regulation-z?utm_source=chatgpt.com","text":"federalregister.gov"},{"href":"https://www.federalregister.gov/documents/2011/12/22/2011-31715/truth-in-lending-regulation-z?utm_source=chatgpt.com","text":"federalregister.gov"},{"href":"https://www.ecfr.gov/current/title-12/chapter-X/part-1026/appendix-Appendix%20M2%20to%20Part%201026?utm_source=chatgpt.com","text":"ecfr.gov\n+1"},{"href":"https://www.federalregister.gov/documents/2011/12/22/2011-31715/truth-in-lending-regulation-z?utm_source=chatgpt.com","text":"federalregister.gov\n+1"},{"href":"https://www.ecfr.gov/current/title-12/chapter-X/part-1026/appendix-Appendix%20M2%20to%20Part%201026?utm_source=chatgpt.com","text":"ecfr.gov\n+1"},{"href":"https://www.ecfr.gov/current/title-12/chapter-X/part-1026/appendix-Appendix%20M2%20to%20Part%201026?utm_source=chatgpt.com","text":"ecfr.gov\n+1"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/m2/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau\n+1"},{"href":"https://www.federalregister.gov/documents/2011/12/22/2011-31715/truth-in-lending-regulation-z?utm_source=chatgpt.com","text":"federalregister.gov\n+2"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/c/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau\n+1"},{"href":"https://uscode.house.gov/us/usc/119-134/t15/s1640/?utm_source=chatgpt.com","text":"uscode.house.gov"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/c/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/7/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"},{"href":"https://uscode.house.gov/us/usc/119-134/t11/s111/?utm_source=chatgpt.com","text":"uscode.house.gov\n+1"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/7/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/interp-7/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/interp-7/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/7/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/7/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"}],"row_links":[[],[{"href":"https://www.federalregister.gov/documents/2011/12/22/2011-31715/truth-in-lending-regulation-z?utm_source=chatgpt.com","text":"federalregister.gov"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/m2/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau\n+1"}],[{"href":"https://www.federalregister.gov/documents/2011/12/22/2011-31715/truth-in-lending-regulation-z?utm_source=chatgpt.com","text":"federalregister.gov"}],[{"href":"https://www.federalregister.gov/documents/2011/12/22/2011-31715/truth-in-lending-regulation-z?utm_source=chatgpt.com","text":"federalregister.gov"}],[{"href":"https://www.federalregister.gov/documents/2011/12/22/2011-31715/truth-in-lending-regulation-z?utm_source=chatgpt.com","text":"federalregister.gov"}],[{"href":"https://www.ecfr.gov/current/title-12/chapter-X/part-1026/appendix-Appendix%20M2%20to%20Part%201026?utm_source=chatgpt.com","text":"ecfr.gov\n+1"}],[{"href":"https://www.federalregister.gov/documents/2011/12/22/2011-31715/truth-in-lending-regulation-z?utm_source=chatgpt.com","text":"federalregister.gov\n+1"}],[{"href":"https://www.ecfr.gov/current/title-12/chapter-X/part-1026/appendix-Appendix%20M2%20to%20Part%201026?utm_source=chatgpt.com","text":"ecfr.gov\n+1"}],[{"href":"https://www.ecfr.gov/current/title-12/chapter-X/part-1026/appendix-Appendix%20M2%20to%20Part%201026?utm_source=chatgpt.com","text":"ecfr.gov\n+1"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/m2/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau\n+1"}],[{"href":"https://www.federalregister.gov/documents/2011/12/22/2011-31715/truth-in-lending-regulation-z?utm_source=chatgpt.com","text":"federalregister.gov\n+2"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/c/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau\n+1"}],[{"href":"https://uscode.house.gov/us/usc/119-134/t15/s1640/?utm_source=chatgpt.com","text":"uscode.house.gov"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/c/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/7/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"}],[{"href":"https://uscode.house.gov/us/usc/119-134/t11/s111/?utm_source=chatgpt.com","text":"uscode.house.gov\n+1"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/7/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/interp-7/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/interp-7/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/7/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/7/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"}]],"rows":[["Claim ID","Supported proposition","Conditions, exceptions, and limits","Exact authority"],["R088-P1-C066","M2 labels its calculation an example using three APRs, one promotional, and a specified minimum formula.","Its supplied parameters are source illustrations, not new inputs for this report.","S002 introduction and code comments. \nfederalregister.gov"],["R088-P1-C067","M2 computes its periodic rates by dividing the decimal annual rate by 365 and multiplying by its month-length parameter, 365/12.","This is the sample’s selected convention, not an actual APR determination under all of Regulation Z.","S002 periodic-rate statements; S009 M2, 7848/index 190. \nConsumer Financial Protection Bureau\n+1"],["R088-P1-C068","M2 time-weights its promotional periodic rate and successor periodic rate using expm/36.","Its sentinel and promotional-period parameter require context; the sample is not a general expiry-date engine.","S002 xperrate1a statement. \nfederalregister.gov"],["R088-P1-C069","M2 forms a balance-weighted periodic rate by dividing the sum of balance-times-rate products by total balance.","The displayed division needs a nonzero denominator; no zero-total-balance branch is supplied there.","S002 perrate36 statement. \nfederalregister.gov"],["R088-P1-C070","M2 uses a present-value annuity factor, rounds the resulting monthly payment to cents, and multiplies it by thirty-six for sample comparison cost.","The displayed factor divides by the periodic rate and does not state a zero-rate branch.","S002 pvaf, pmt01, sumpmts36. \nfederalregister.gov"],["R088-P1-C071","The sample’s minimum-payment loop calculates the percentage payment from the opening total, applies its dollar floor, then calculates rounded post-interest balances.","The order is source-specific. It is not a universal contractual minimum or universal interest-first rule.","S002 loop through fc. \necfr.gov\n+1"],["R088-P1-C072","The sample changes its first periodic rate when month >= expm and expm != 0.","The code comment calls expm the last promotional month. That marker is not translated here into an actual contractual expiry event or silently changed.","S002 promotional comments and loop; S009 original parsed code. \nfederalregister.gov\n+1"],["R088-P1-C073","M2’s final-payment branch sequentially assigns the payment from each positive component balance when its stated trigger occurs.","It does not print a general min(payment,total balance) cap for arbitrary inputs. No generalized replacement is invented.","S002 final-payment branch; S009 M2. \necfr.gov\n+1"],["R088-P1-C074","M2 has three separate allocation if blocks with the conditions transcribed in § 4 below.","They are preserved as written, not converted into a universal mutually exclusive allocation routine.","S002 allocation blocks. \necfr.gov\n+1"],["R088-P1-C075","The sample accumulates payments, updates total balance, repeats while total balance is positive, and subtracts whole-dollar-rounded costs for sample savings.","Its output label expecting zero balance is not an execution result. Whole-dollar savings is one current permissible choice, not the only choice.","S002 end of loop and savtot; S001(f). \nConsumer Financial Protection Bureau\n+1"],["R088-P1-C076","M2 does not expressly provide general branches for zero-rate division, zero total balance, non-amortization, arbitrary negative inputs, or all promotional/allocation configurations.","This is a bounded observation about the complete sample read. The regulator’s prose and disclosure exceptions remain controlling; no missing algorithm is supplied.","S002 complete code; S001(d)(2); S003 § 7(b)(12)(ii), (v). \nfederalregister.gov\n+2"],["R088-P1-C077","Supplement I is the vehicle for official Regulation Z interpretations.","It is not a CFPB circular or advisory opinion. No circular/bulletin/advisory opinion is relied upon in this report.","S007 Introduction ¶¶ 1–2; Appendix C. \nConsumer Financial Protection Bureau\n+1"],["R088-P1-C078","Section 1640(f) provides a specified good-faith-conformity protection even if the relevant rule or interpretation is later changed or invalidated.","It identifies particular liability provisions and authorized interpretations. Actual good faith, conformity, authorization, and liability are absent; §§ 1607 and 1611 are not comprehensively analyzed.","S006 § 1640(f), complete paragraph. \nuscode.house.gov"],["R088-P1-C079","Appendix C says interpretations will not approve creditors’ forms, statements, or calculation tools/methods, with an exception for government-required or sanctioned ones.","Reading M1 or copying M2 is not an approval of an actual tool.","S007, “Scope of Interpretations.” \nConsumer Financial Protection Bureau"],["R088-P1-C080","The toll-free information duty covers at least three approved counseling organizations, to the extent official information is available, and requires at-least-annual updating.","The issuer selects the billing-address state or consumer-specified state. No organization, address, or roster was queried.","S003 § 7(b)(12)(iv)(A)–(B). \nConsumer Financial Protection Bureau"],["R088-P1-C081","Approved budget/credit-counseling agencies and approved personal-financial-management courses are distinct referenced categories.","A course approval under § 111(a)(2) does not substitute for the referenced § 111(a)(1) category. Full approval/eligibility predicates remain held.","S015 § 111(a); S003 comment 7(b)(12)(iv)-1. \nuscode.house.gov\n+1"],["R088-P1-C082","Commentary permits use of official-source information and certain organization-requested alternate details, but requires omission if the approved organization requests it.","It does not require unavailable official information. No actual request or listing is examined.","S003 comment 7(b)(12)(iv)-2.i–ii. \nConsumer Financial Protection Bureau"],["R088-P1-C083","Additional language-service information or an official-site pointer may be provided.","Merely giving the specified official-site address does not itself assert approval for purposes of the separate approval-description condition.","S003 comment 7(b)(12)(iv)-2.iii. \nConsumer Financial Protection Bureau"],["R088-P1-C084","If approval is described, the commentary requires qualifications about minimum pre-bankruptcy standards, unreviewed other services, and non-endorsement.","Approval is not a universal recommendation or validation of all services.","S003 comment 7(b)(12)(iv)-2.iv.A–C. \nConsumer Financial Protection Bureau"],["R088-P1-C085","Automated/general-service telephone systems, third-party maintenance, and an additional website route are permitted subject to stated conditions.","The counseling option must be prominent; the first-menu condition allows a preceding language menu. A website is additional to the required number, with the specified direct-access/official-site alternative.","S003 comments 7(b)(12)(iv)-3 through -6. \nConsumer Financial Protection Bureau"],["R088-P1-C086","Requested counseling information must precede advertising/marketing, except the issuer’s name.","Educational material that does not solicit business is distinguished; the commentary applies the ordering rule to telephone and website routes.","S003 comment 7(b)(12)(iv)-7.i–ii. \nConsumer Financial Protection Bureau"]]},{"headers":["Claim ID","Supported proposition","Conditions and limits","Exact authority"],"index":5,"links":[{"href":"https://www.govinfo.gov/content/pkg/PLAW-111publ24/pdf/PLAW-111publ24.pdf?utm_source=chatgpt.com","text":"govinfo.gov\n+1"},{"href":"https://www.govinfo.gov/content/pkg/PLAW-111publ24/pdf/PLAW-111publ24.pdf?utm_source=chatgpt.com","text":"govinfo.gov\n+1"},{"href":"https://www.govinfo.gov/content/pkg/FR-2010-02-22/html/2010-624.htm?utm_source=chatgpt.com","text":"govinfo.gov\n+2"},{"href":"https://www.govinfo.gov/content/pkg/FR-2010-02-22/html/2010-624.htm?utm_source=chatgpt.com","text":"govinfo.gov\n+1"},{"href":"https://www.govinfo.gov/content/pkg/FR-2011-04-25/html/2011-8843.htm?utm_source=chatgpt.com","text":"govinfo.gov\n+2"},{"href":"https://www.govinfo.gov/content/pkg/FR-2011-04-25/html/2011-8843.htm?utm_source=chatgpt.com","text":"govinfo.gov\n+2"},{"href":"https://www.govinfo.gov/content/pkg/FR-2011-05-31/html/2011-12795.htm?utm_source=chatgpt.com","text":"govinfo.gov"},{"href":"https://www.federalregister.gov/documents/2011/12/22/2011-31715/truth-in-lending-regulation-z?utm_source=chatgpt.com","text":"federalregister.gov\n+3"},{"href":"https://www.govinfo.gov/content/pkg/FR-2016-04-28/html/2016-09431.htm?utm_source=chatgpt.com","text":"govinfo.gov\n+2"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/m1/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau\n+2"}],"row_links":[[],[{"href":"https://www.govinfo.gov/content/pkg/PLAW-111publ24/pdf/PLAW-111publ24.pdf?utm_source=chatgpt.com","text":"govinfo.gov\n+1"}],[{"href":"https://www.govinfo.gov/content/pkg/PLAW-111publ24/pdf/PLAW-111publ24.pdf?utm_source=chatgpt.com","text":"govinfo.gov\n+1"}],[{"href":"https://www.govinfo.gov/content/pkg/FR-2010-02-22/html/2010-624.htm?utm_source=chatgpt.com","text":"govinfo.gov\n+2"}],[{"href":"https://www.govinfo.gov/content/pkg/FR-2010-02-22/html/2010-624.htm?utm_source=chatgpt.com","text":"govinfo.gov\n+1"}],[{"href":"https://www.govinfo.gov/content/pkg/FR-2011-04-25/html/2011-8843.htm?utm_source=chatgpt.com","text":"govinfo.gov\n+2"}],[{"href":"https://www.govinfo.gov/content/pkg/FR-2011-04-25/html/2011-8843.htm?utm_source=chatgpt.com","text":"govinfo.gov\n+2"}],[{"href":"https://www.govinfo.gov/content/pkg/FR-2011-05-31/html/2011-12795.htm?utm_source=chatgpt.com","text":"govinfo.gov"}],[{"href":"https://www.federalregister.gov/documents/2011/12/22/2011-31715/truth-in-lending-regulation-z?utm_source=chatgpt.com","text":"federalregister.gov\n+3"}],[{"href":"https://www.govinfo.gov/content/pkg/FR-2016-04-28/html/2016-09431.htm?utm_source=chatgpt.com","text":"govinfo.gov\n+2"}],[],[],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1026/m1/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau\n+2"}],[],[]],"rows":[["Claim ID","Supported proposition","Conditions and limits","Exact authority"],["R088-P1-C087","CARD Act § 201 adopted the repayment-information framework and related rulemaking instruction.","Original “Board” wording is historical; current statutory text uses “Bureau.” The complete original § 201 was read, but no current remedy calculation is made from its liability amendment.","S008 § 201(a)–(c); S006 current § 1637. \ngovinfo.gov\n+1"],["R088-P1-C088","CARD Act § 3 supplies a nine-month default effective period, subject to specifically provided exceptions; § 201(c) separately sets a six-month guideline period.","No actual deadline is computed. A complete Act-wide exceptions history is not claimed.","S008 § 3; § 201(c)(1). \ngovinfo.gov\n+1"],["R088-P1-C089","The 2010 final rule added Part 226 M1 and M2 through instructions 24 and 24a.","The older appendix title found in historical annual-code discovery is not substituted for the adopted repayment-disclosure body.","S009 instructions 24/24a and adopted appendices. \ngovinfo.gov\n+2"],["R088-P1-C090","The 2010 rule’s selected repayment-statement requirements applied to statements mailed or delivered on or after February 22, 2010.","The rule distinguished this from July 1, 2010 compliance for other provisions. Receipt, payment due date, and mailing/delivery are not interchangeable triggers.","S009 Dates; selected “Content requirements (§ 226.7)” application paragraph. \ngovinfo.gov\n+1"],["R088-P1-C091","The 2011 adopted revision to M1(f) added the cent-rounding alternative for cost-component subtraction.","Original whole-dollar-only wording is historical. The adopted publication contains a cross-reference misprint; current republished/codified text is separately read.","S010 instruction 15; S011 M1(f); S001(f). \ngovinfo.gov\n+2"],["R088-P1-C092","The 2011 amendment was effective/mandatory October 1, 2011, allowed earlier compliance, and described prospective application generally including existing and new accounts/balances.","Its periodic-statement trigger is mailing or delivery on/after that date, not later receipt.","S010 Dates; IV.A–B, E. \ngovinfo.gov\n+2"],["R088-P1-C093","The May 31, 2011 correction was read completely and does not enumerate an M1 revision.","This does not prove that no other correction or later amendment exists.","S010 correction, complete body. \ngovinfo.gov"],["R088-P1-C094","The December 2011 publication added CFPB Part 1026 and republished M1/M2; its effective date was December 30, 2011.","The rulemaking describes technical/conforming republication. This report does not independently certify every provision of that large rule.","S011 Dates, Authority and Issuance, M1/M2. \nfederalregister.gov\n+3"],["R088-P1-C095","The April 2016 rule finalized the December 2011 interim rules subject to intervening amendments, including the identified Regulation Z publication.","Its amendment list is not a completed read of every listed instrument.","S012 Dates; Authority and Issuance, item M. \ngovinfo.gov\n+2"],["R088-P1-C096","Original-source failures and absent visual verification remain limitations.","Successful alternate HTML/parsed-PDF access does not retroactively establish access to failed originals or unseen pixels.","Source register and read/failure log below."],["R088-P1-C097","The selected methods do not provide a complete general algorithm for every input domain or full specialized-product classification.","Zero/negative input handling, all rounding ties, complete prepaid scope, actual contract conventions, and exhaustive later history remain unresolved where specified below.","S001–S005, S002 complete sample; bounded read-limit finding."],["R088-P1-C098","A disclosed duration, payment, cost, or savings estimate does not establish actual payoff, contractual amendment, creditor acceptance, release, or affordability.","These are distinct absent predicates, not alternative outputs supplied by M1.","S001(b)–(f); S003 § 7(b)(12); scope inference. \nConsumer Financial Protection Bureau\n+2"],["R088-P1-C099","The selected sources do not supply empirical proof of behavioral benefit or a universal consumer ranking.","The report makes no causal, adherence, suitability, or realized-savings claim.","S001–S003, limited calculation/disclosure subject matter."],["R088-P1-C100","Actual APR determination, payment allocation, settlement/consolidation/transfer comparisons, garnishment, tax, and full remedies require separate authorities and facts.","Prior components are not incorporated; the identified pointers remain unexamined here.","Scope boundary from S001 and S003; parent holds."]]},{"headers":["Symbol","Meaning and unit","Source/limit"],"index":6,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Symbol","Meaning and unit","Source/limit"],["B0","Starting statement balance, USD","M1(b)(3), last billing-cycle closing balance; optional whole-dollar rounding."],["T_j","Minimum-payment repayment duration for balance portion governed by formula j, months","M1(b)(1); underlying calculation must follow applicable terms/selected assumptions."],["T_ref, T_issuer","Benchmark and issuer-computed durations before years-display rounding, months","M1(b)(5)."],["Principal[t], Interest[t]","Principal and interest paid in calculation period t, USD","M1(c), (e); not an added fee taxonomy."],["C_min, C_36","Minimum-payment and thirty-six-month total-cost estimates, USD","M1(c), (e)."],["P_36","Estimated USD amount of each monthly comparison payment","M1(d)."],["round(x,q)","Round monetary amount x to the nearest increment q, or duration to the stated unit","Source prescribes nearest dollar/cent/year as applicable; a universal machine tie rule is not supplied."],["apr[i]","M2 annual rate expressed as a decimal fraction","Source sample rate input; not a verified actual APR."],["cbal[i]","M2 opening component balance, USD","The sample has three components."],["perrate[i], xperrate[i]","M2 decimal periodic rates for its assumed month","Its annual-rate conversion is specified below."],["expm, rrate","M2 promotional-period marker and successor annual decimal rate","The sample’s comment/conditional timing is preserved, not mapped to an actual expiry date."],["pmin, dmin","M2 percentage-of-balance factor and dollar payment floor","These are sample parameters, not M1’s universal minimum formula."],["xxxbal[i], fc, pmt","M2 rounded post-interest component balance, monthly finance charge, and monthly payment, USD","Exact sample ordering below."]]},{"headers":["Comparison","Supported distinction","Exact claims/sources","What remains unresolved"],"index":7,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Comparison","Supported distinction","Exact claims/sources","What remains unresolved"],["Disclosure calculation / actual required minimum","M1 uses applicable minimum formulas; it does not create one universal minimum.","C022, C035–C036; S001(b)(1), S003(b)(12)","Actual formula, agreement, enforceability, amount due."],["Specified estimate / actual payoff","The calculation uses required inputs and selected assumptions, including possible no-residual-interest treatment.","C040–C052, C098; S001(b)","Actual accrual, posting, subsequent activity, payoff acceptance."],["Minimum-payment duration / equal-payment comparison","One follows applicable minimum formulas; the other assumes equal monthly amounts for thirty-six months.","C035, C056–C061","Actual ability or intention to pay either amount."],["Promotional payment / promotional APR","Payment promotions may be disregarded under specified choices; APR promotions must transition as directed.","C036, C038","Actual terms, expiry, successor index."],["Promotional APR / deferred interest","Deferred interest has a separate minimum-payment-before-expiration test.","C034, C039, C059","Whether a real plan or actual performance qualifies."],["Permitted assumption / observed term","Each listed (b)(4) term can use the stated assumption or applicable account term.","C041–C052","Which choice was made; actual term."],["Lower-rate-first assumption / actual allocation","M1 permits a disclosure assumption; actual allocation law is a separate inquiry.","C050, C100","§ 1026.53 and actual payment/contract facts remain held."],["Duration tolerance / payment tolerance","Two-month/correct-rounded-years routes differ from the ten-percent rounded-payment tolerance.","C053–C054, C062","Actual benchmark and implementation."],["Cost / interest alone","Both cost estimates include principal and interest.","C055, C063","Fee composition, taxes, other external costs."],["Regulatory savings / settlement or realized savings","Savings is the specified difference between separately rounded costs.","C064–C065","Acceptance, provider costs, tax, unpaid balances, actual conduct."],["No amortization / zero APR","No amortization changes the disclosure set; zero APR is a separate possible rate condition and exposes an unprovided sample-formula branch.","C029, C039, C070, C076","A valid general implementation for every domain."],["M1 / M2","M1 supplies instructions; M2 is one linked sample with its own code choices.","C001, C060, C066–C076","Universal generalization or execution validation."],["Current monetary rounding / historical sample choice","Current text permits consistent dollar or cent rounding; M2 illustrates whole-dollar savings subtraction.","C031, C064, C075, C091","Actual display choice and machine tie treatment."],["Statute / implementing regulation","Statute uses months; regulation uses months below two years and rounded years otherwise, with an adopted explanation.","C005, C008, C030","Full judicial construction remains unexamined."],["Official interpretation / approval of a tool","Commentary has identified legal status; Appendix C separately limits approval of tools and methods.","C077–C079","Actual good faith, conformity, authorized approval, remedies."],["Current source banner / operative amendment","A banner cannot override the express disapproval of the identified overdraft rule.","C002–C003, C015","Exhaustive later-law chain and specialized scope."],["Information referral / endorsement or advice","Counseling-information requirements do not establish endorsement or suitability.","C080–C086","No actual provider, approval list, service or recommendation examined."]]},{"headers":["ID","Quantity and exact clause","Actor/object; unit or denominator","Trigger, boundary, conditions, exceptions and convention","Missing application evidence"],"index":8,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["ID","Quantity and exact clause","Actor/object; unit or denominator","Trigger, boundary, conditions, exceptions and convention","Missing application evidence"],["M001","Six M1 divisions; two definitions; eleven listed assumptions — S001(a)–(f), (b)(4)","Document organization, not a financial threshold","Inventory only; no invented additional section or assumption. C001","None for inventory; currentness limitations remain."],["M002","Monthly minimum payments, every month — M1(b)(4)(i)","Issuer’s estimate; payment frequency","Permitted assumption or account-term choice; no skip/suspension feature under the assumption. C041–C042","Selected terms and actual payment facts absent."],["M003","Beginning balance at closing of last billing cycle — M1(b)(3)","USD; balance reference event","Required base; nearest whole-dollar rounding permitted. C040","Closing balance and cycle absent."],["M004","Nearest $1 starting-balance increment — M1(b)(3)","USD rounding increment","Optional; not a tolerance on an actual debt balance. C040","Whether chosen; tie implementation."],["M005","Nearest $0.01 for monthly payment/balance/interest — M1(b)(4)(xi)","USD","Permitted intermediate rounding. No universal machine tie convention stated. C052","Selected arithmetic and terms."],["M006","365-day year with 30.41667-day months — M1(b)(4)(vii)","Assumed day-count pair","One permitted daily-rate convention; equal months, leap year ignored. C048","Choice versus actual terms."],["M007","360-day year with 30-day months — same clause","Assumed day-count pair","Alternative paired convention, not interchangeable components. C048","Same."],["M008","Last day of month or billing cycle — M1(b)(4)(viii)","Payment-crediting event","Permitted alternative assumptions; no actual receipt/posting rule supplied. C049","Actual convention and payment event."],["M009","Last 30 days before estimate provided — M1(b)(2)","Age of variable successor rate","Source says “within” that period; no business-day substitution, service extension, or actual deadline calculation supplied. C038","Index/formula, rate date, estimate date."],["M010","Zero-percent APR — M1(b)(2), (d)(2)","Affected deferred-interest balance","Mandatory calculation treatment if minimum payments will pay in full before expiry. C039, C059","Plan, minimums, expiry and ability of minimums to retire balance."],["M011","“Prior to expiration” — M1(a)(2), (b)(2), (d)(2)","Completion event relative to specified period","Strict before-expiry predicate preserved; no actual calendar counting added. C034, C039","Applicable period and performance absent."],["M012","Two-month tolerance — M1(b)(5)","Difference between duration estimates, months","Inclusive upper/lower bounds; tested before years-display rounding; proper assumption/account-term benchmark. C053","Both computed durations and benchmark choices."],["M013","Correct rounded years despite error over two months — M1(b)(5)","Years disclosure","Separate sufficient route under the source’s years rule; not a new numerical cap. C054","Correct rounded disclosure."],["M014","Less than two years / otherwise — § 7(b)(12)(i)(B)","Duration display unit","Strict below-two-year branch uses months; equality belongs to years branch. C030","Calculated duration."],["M015","Fractional year below 0.5 / at least 0.5 — 2010 adoption explanation","Year-rounding fraction","Down below half; up at/above half. Applies to explained duration display, not all currency rounding. C030","Duration; no actual calendar."],["M016","Nearest month — § 1637(b)(11)(B)(i)","Statutory duration wording","Regulation’s different longer-duration display is separately preserved. C005, C008","Applicable calculation, implementation."],["M017","36 monthly payments / 3 years — M1(d)–(f); § 7(b)(12)(i)(F)","Comparison horizon and payment count","Same amount each month; balance paid within 36 months under selected method; not an actual schedule. C056–C065","Required inputs and chosen method."],["M018","Fractions of 36 months — M1(d)(2)","Promotional/successor time weights; denominator 36 months","Fractions reflect the part of the comparison for which each rate applies. C058","Rate durations and successor rate."],["M019","Balance-weighted rate — M1(d)(2), M2","Numerator: balance × rate; denominator: total relevant balance","Permitted method; a zero denominator is not resolved by sample code. C057, C069","Balance portions and rate mapping."],["M020","Ten-percent payment tolerance — M1(d)(4)","Difference relative to proper rounded comparison payment","Inclusive ±10%; after referenced rounding. No site-wide accuracy conclusion. C062","Proper benchmark and actual output."],["M021","Nearest $1 or $0.01 monetary display — § 7(b)(12), comment -1; M1(f)","Four monetary disclosure categories","One consistent choice; separately round cost components before subtraction. C031, C064","Choice and exact arithmetic."],["M022","Three years or less after rounding — § 7(b)(12)(i)(F)(2)(i)","Minimum-payment duration disclosure","Inclusive comparison-exemption threshold. C026","Proper rounded duration."],["M023","Comparison payment less than required minimum — § 7(b)(12)(i)(F)(2)(ii)","USD amounts for same cycle","Strict inequality after comparison-payment rounding. C027","Both amounts and cycle."],["M024","Fixed feature below 36 months — § 7(b)(12)(i)(F)(2)(iii)","Contractually specified amortization duration","Strict below threshold plus both revolving/fixed-feature predicates. C028","Feature balances and terms."],["M025","Two consecutive qualifying cycles; immediately following cycle — § 7(b)(12)(v)(B)","Billing-cycle count/order","Each preceding cycle must meet the stated full-payment/zero/credit-balance condition. C024","Cycle history absent."],["M026","Entire outstanding balance paid by cycle’s minimum — § 7(b)(12)(v)(C)","Amount relationship, no fixed dollar threshold","Full satisfaction by that minimum; not merely a small balance. C025","Minimum and outstanding balance."],["M027","Balance over $1, or finance charge imposed — § 5(b)(2)(i)","Debit/credit balance, USD","Strict “more than”; alternative finance-charge trigger; same-paragraph exceptions. C019–C020","Balance, charge and exception predicates."],["M028","No longer than quarter-year; variance no more than four days — § 2(a)(4)","Billing-cycle interval","Inclusive maximum/variance; selected equality qualifications for first/transitional cycles. Not converted into actual calendar days. C017","Statement cycle and transition facts."],["M029","More than four installments — § 2(a)(17)(iii)","Written installment count in that alternative definition route","Source’s negative predicate retained: no finance charge and not payable in more than four installments. C016","Which definition route applies."],["M030","At least three counseling organizations — § 7(b)(12)(iv)(A)","Count of referenced approved categories","Inclusive minimum, official-information availability, and selected-state conditions. C080–C081","No actual list or organization inspected."],["M031","At least annually — § 7(b)(12)(iv)(B)","Information-update frequency","Consistency with available official information; no actual update date computed. C080","Actual information/update history absent."],["M032","First menu, with preceding language-menu exception — comment 7(b)(12)(iv)-4","Menu order","Applies to the optional automated route; no system inspected or constructed. C085","Actual system absent."]]},{"headers":["ID","Source-stated quantity","Role, units and qualification","Claim/source"],"index":9,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["ID","Source-stated quantity","Role, units and qualification","Claim/source"],["M033","Five-year and three-year feature periods; disclose five years","M1’s illustration of selecting the longest applicable formula-specific period","C035; S001(b)(1)"],["M034","Twelve-month payment deferral","M1’s illustration of promotional payment terms that may be disregarded","C036; S001(b)(1)"],["M035","$10 for six months, then greater of 2% of outstanding balance or $20","M1’s source illustration of two permitted treatment choices and the prohibition on extending the promotional minimum beyond expiry","C036; S001(b)(1)"],["M036","28 versus 30 months; two years four months versus two years six months; displayed two versus three years","M1’s illustration of the two-month tolerance despite different rounded years","C053; S001(b)(5), (c)"],["M037","32 versus 38 months; two years eight months versus three years two months; both displayed as three years","M1’s illustration of the correct-rounded-years route and associated cost treatment","C054–C055; S001(b)(5), (c)"],["M038","Two years six months through three years five months","Official comment’s example of a three-year rounded disclosure qualifying for the comparison exception; no fractional-day extension is inferred","C026; S003 comment 7(b)(12)(i)(F)-1"],["M039","$20 balance and $20 minimum","Official comment’s illustration of the whole-balance minimum exemption","C025; S003 comment 7(b)(12)(v)-1"],["M040","Three APR components; source annual decimals 0, 0.17, 0.21; balances $500, $250, $250; total $1,000","M2’s supplied source parameters; not actual account facts, a new test dataset, or computed results","C066; S002 introduction/inputs"],["M041","Source pmin = 0.02, dmin = 20; expm = 6; successor decimal rate 0.17","M2’s sample minimum and promotion parameters; zero marker denotes no promotion in its comments","C066–C072; S002 inputs"],["M042","365/12; divisor 365; payment count 36","M2’s day/month conversion and comparison horizon; its exact fraction is not silently replaced with M1’s displayed rounded month length","C067–C070; S002 rate and annuity statements"],["M043","Counter starts at zero, increases by one; component indices 1–3; continuation tbal > 0","Source loop bookkeeping and strict continuation test; not a general non-amortization detector","C071–C076; S002 loop"],["M044","month >= expm, expm != 0; strict/weak payment comparisons in F03","Exact source branch boundaries; no real expiry/posting date or generalized cap inferred","C072–C074; S002"],["M045","Cent rounding for sample payment/balances; whole-dollar rounding for sample savings","M2’s particular choices; current M1 also permits consistent cent display/savings treatment","C070–C075; S002, S001(f)"]]},{"headers":["ID","Date/period","Legal or source function","Conditions and limits"],"index":10,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["ID","Date/period","Legal or source function","Conditions and limits"],["M046","October 28, 2026 PDT","Actual research access date","Not a law’s issuance/effective date."],["M047","October 20, 2026 / Public Law 119-134","OLRC displayed compilation cutoff","No certification of the entire later-law chain. S006, S015."],["M048","October 23, October 26, October 6, and October 2, 2026","Retrieved eCFR title-currency/amendment labels, as allocated in S001–S004","Not appendix-specific amendment dates; discrepancy preserved."],["M049","May 22, 2009; nine months after enactment","CARD Act enactment and § 3 default effectiveness","Express exception for otherwise specifically provided dates; no deadline computed. S008."],["M050","No later than six months after enactment","§ 201(c)(1) historical guideline duty","Institutional rulemaking period; not a consumer deadline. S008."],["M051","February 22, 2010; July 1, 2010","2010 rule effectiveness and differentiated compliance dates","Selected repayment statements use mailing/delivery on or after February 22; other provisions distinguished. S009."],["M052","April 25, 2011; October 1, 2011","Amendment publication; effective/mandatory date","Earlier compliance permitted; prospective application; selected statement mailing/delivery trigger. S010."],["M053","May 31, 2011; October 1, 2011","Correction publication/effectiveness","No enumerated M1 correction; no inference about all later corrections. S010."],["M054","December 22 and December 30, 2011","CFPB republication and effective date","Part 1026 adoption, subject to subsequent amendments. S011."],["M055","April 28, 2016","Finalization publication/effectiveness","Subject to intervening amendments; list is not a complete history read. S012."],["M056","December 30, 2024; stated October 1, 2025 date; May 9, 2025 disapproval","Narrow overdraft-definition status check","The identified rule has no force or effect under S014; the stated future date is not treated as operative merely because displayed. S013–S014."]]},{"headers":["Branch; status","Supported conditional rule and exact links","Missing evidence or authority","Adverse inference to avoid","Next permissible generic public-law/instruction inquiry"],"index":11,"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/instruction inquiry"],["B01 — Version/status unknown. Partial.","Use the identified current body with its displayed currency limits; do not treat a host banner as exhaustive history. C001–C003; S001–S004.","Complete post-cutoff amendment/judicial chain.","“Current” proves every intervening legal-status issue resolved.","Check generic M1 amendment instructions and official currentness notices; no account or case query."],["B02 — Issuer/authority category unknown. Answered boundary.","The duty addresses the defined issuer/account category; § 1604 supplies qualified rulemaking authority. C004, C010, C016, C022; S003–S006.","Actual regulated-role predicates; full jurisdiction/exemptions.","Any business using a calculator is necessarily the regulated card issuer.","Read only relevant generic § 1026.1/§ 1026.3 scope clauses in a separate scope component."],["B03 — Consumer versus commercial purpose unknown. Answered boundary.","The selected category requires consumer credit, primarily personal/family/household purpose. C009; S004 § 2(a)(11)–(12).","Purpose and classification facts.","Business-purpose extensions in unrelated definitions universally expand M1.","Read the precise generic purpose/credit-card scope commentary; hold actual classification."],["B04 — Credit-card/open-end category unknown. Answered boundary.","Credit-device access and all open-end-plan predicates must be satisfied. C011–C013; S004.","Device, plan and replenishment predicates.","Every loan or electronic transfer is covered.","Read § 2(a)(15), (20) and only necessary official cross-references."],["B05 — Home-equity/overdraft exclusion. Answered boundary with status limit.","Preserve the stated exclusions and the enacted disapproval affecting the conflicting displayed amendment. C013, C015; S004, S013–S014.","Complete specialized classification and later-law chain.","The disapproved eCFR wording independently establishes current coverage.","Reconcile generic codification against the adopted clause and disapproval; no institution lookup."],["B06 — Hybrid prepaid cross-reference. Partial.","The account-number exclusion has an express covered-separate-credit-feature qualification. C012–C013; S004 § 2(a)(15).","Complete § 1026.61 predicates and relevant amendment/transition history.","All prepaid devices are covered or all account numbers excluded.","Read the exact indispensable § 1026.61 definitions in a separate bounded scope inquiry."],["B07 — Statement requirement unknown. Answered boundary.","Apply the over-$1/finance-charge alternatives and same-paragraph exceptions before assuming a periodic statement is required. C019–C020; S005.","Cycle balance, charges and exception predicates.","A missing statement proves payoff, release, or a disclosure violation.","Read § 5(b)(2)(i) and its exact comments; broader collection consequences held."],["B08 — Draw privileges ended. Answered boundary.","Termination of draws without closed-end conversion does not alone end otherwise-required statements. C021; S005 comment -2.","Conversion and account-status facts.","A closed-to-new-purchases label makes the repayment framework disappear.","Read generic conversion/continuation commentary, without inspecting a workout."],["B09 — Charge-card exemption. Answered boundary.","The exemption requires the stated full-balance payment condition at each cycle end. C014, C023; S003/S004.","Actual category and required-payment condition.","The label alone proves the exemption.","Read § 7(b)(12)(v)(A) alongside § 2(a)(15)(iii)."],["B10 — Full/zero/credit cycle history. Answered boundary.","The two-consecutive-cycle exemption applies to the immediately following cycle under the source’s alternatives. C024; S003(v)(B).","Complete qualifying cycle sequence.","One zero balance creates a permanent exemption.","Read the exact cycle-sequence clause; no calendar calculation."],["B11 — Minimum would pay full balance. Answered boundary.","Whole-balance payment by that cycle’s minimum qualifies for the specified exemption. C025; S003(v)(C).","Required minimum and balance relation.","Any small balance or charge-off automatically qualifies or is forgiven.","Read the exemption and its charged-off-account commentary, keeping collection law separate."],["B12 — Minimum formula unknown. Answered boundary.","Applicable formula is required input; the source’s percentage/dollar example is not universal. C035; S001(b)(1).","Formula and relevant terms.","Use the printed sample floor or percentage for every account.","Read generic disclosure requirements for minimum-payment terms; no actual agreement retrieval."],["B13 — Multiple minimum formulas. Answered boundary.","Apply each formula to its portion and disclose the longest calculated period. C035; S001(b)(1).","Portion mapping and formula-specific estimates.","Average the durations or use only the smallest balance’s period.","Read the full multiple-formula instruction and source illustration."],["B14 — Promotional minimum. Answered boundary.","Disregard it under the permitted route or apply it only through expiry and then its successor. C036; S001(b)(1).","Duration and successor formula.","Extend a temporary payment indefinitely.","Read the complete promotional-payment alternatives; do not infer APR treatment from them."],["B15 — Multiple/current APRs unknown. Answered boundary.","Use the applicable APR for each relevant portion. C037; S001(b)(2).","Rates and balance mapping.","A single advertised or averaged rate always suffices for the minimum path.","Read M1(b)(2); actual APR determination under § 1026.14 remains separate."],["B16 — Promotional/variable successor APR. Answered boundary.","Apply promotion to expiry, then successor; variable successor uses the index/formula with the stated thirty-day accuracy condition. C038; S001(b)(2).","Rate terms, index and reference events.","Freeze a promotional APR indefinitely or invent a later index.","Read the exact transition instruction and narrow adopted explanation if needed."],["B17 — Deferred interest. Answered boundary.","Use zero or accrual APR according to whether minimum payments will repay before expiration. C034, C039; S001(a)(2), (b)(2).","Plan and minimum-payment/expiry relationship.","Deferred interest is always zero, or actual accrued interest is necessarily owed.","Read the complete conditional calculation rule; actual liability remains held."],["B18 — Starting balance/reference point. Answered boundary.","Use the last cycle’s closing balance, optionally rounded to dollars. C040; S001(b)(3).","Closing balance and selected rounding.","Substitute an arbitrary current balance or a payoff quote.","Read the starting-balance instruction and separate generic statement-balance provisions."],["B19 — Assumption versus account term. Answered boundary.","Make the permitted choice separately for each listed term; monthly minimums/every-month treatment is one such assumption. C041–C042; S001(b)(4).","Chosen conventions and actual terms.","All listed assumptions are required contract terms.","Read the introductory choice clause with each relevant subparagraph."],["B20 — New activity, fees, refunds. Answered boundary.","The listed no-new-activity/no-refund assumption covers the categories stated. C043; S001(b)(4)(ii).","Actual activity and fee composition.","Total cost proves all real fees are absent or already itemized.","Read generic fee/finance-charge definitions separately if indispensable; no account analysis."],["B21 — Future rate or penalty-rate change. Answered boundary.","Constant-rate assumption is qualified by (b)(2), and may retain a currently applicable penalty rate. C044; S001(b)(4)(iii).","Actual rate terms and chosen assumption.","The estimate predicts an actual permanent penalty rate.","Read calculation assumptions separately from § 1026.55/§ 1026.59, which remain unexamined."],["B22 — Grace/residual interest. Answered boundary.","No grace and no final residual charge are permitted assumptions. C045–C046; S001(b)(4)(iv)–(v).","Actual grace, accrual and final-payment terms.","The calculated final payment is an enforceable payoff amount.","Read relevant generic actual-accrual/payment authorities in a separate component."],["B23 — Day-count/crediting convention. Answered boundary.","Use a permitted paired day-count convention or applicable term; last-month/day-cycle crediting is an assumption. C047–C049; S001(b)(4)(vi)–(viii).","Selected convention and actual terms.","Calculation months are real calendar months or establish posting deadlines.","Read the paired assumptions and preserve actual timing law as a separate inquiry."],["B24 — Allocation/status assumption. Answered boundary.","Lower-rate-first and current/not-over-limit status are permitted calculation assumptions. C050–C051; S001(b)(4)(ix)–(x).","Actual allocation/status facts and law.","M1 authorizes actual lower-rate-first allocation in all circumstances.","Read § 1026.53 independently only in a separately authorized component."],["B25 — Duration rounding/tolerance. Answered boundary.","Distinguish underlying two-month tolerance from the correct-rounded-years route. C030, C053–C054; S001(b)(5), S003.","Proper benchmark, unrounded duration and display.","A rounded year proves exact payoff timing.","Read both routes and the adopted half-year explanation."],["B26 — Cost accuracy dependency. Answered boundary.","Minimum cost follows the accepted duration calculation, including its specified tolerance treatment. C055; S001(c).","Principal/interest sequence and accepted duration.","A separate arbitrary cost-error percentage is permitted.","Read (c) together with the complete (b)(5) examples."],["B27 — Weighted versus alternative comparison. Answered boundary.","Weighted APR is permitted; another method must retain equal monthly amounts and payoff within thirty-six months. C056–C061; S001(d).","Method choice and proper input mapping.","The weighted method is mandatory or any alternative is acceptable.","Read complete (d)(2) and the linked M2 formulas."],["B28 — Deferred interest in comparison. Answered boundary.","The weighted-rate deferred-interest branch still uses the minimum-payment-before-expiry test. C059; S001(d)(2).","That minimum-payment predicate.","The comparison payment itself automatically earns interest avoidance.","Read the exact repeated deferred-interest clause."],["B29 — Comparison exemption after duration rounding. Answered boundary.","A disclosed duration of three years or less triggers its comparison exception. C026; S003(F)(2)(i).","Correct rounded duration.","Use unrounded thirty-six months as the sole exemption test.","Read the official two-years-six-months through three-years-five-months illustration."],["B30 — Comparison payment below minimum. Answered boundary.","Strictly lower rounded comparison payment qualifies under the separate exception. C027; S003(F)(2)(ii).","Same-cycle amounts and rounding.","“Equal to” is silently treated as “less than.”","Read the precise inequality and monetary-rounding comment."],["B31 — Mixed revolving/fixed features. Answered boundary.","Both feature predicates and fixed period below thirty-six months must exist. C028; S003(F)(2)(iii).","Feature terms and balances.","Any installment feature removes all repayment disclosures.","Read the entire exception, including its limited comparison scope."],["B32 — No/negative amortization. Answered boundary.","Replace the ordinary set with § 7(b)(12)(ii)’s specified disclosures. C029; S003.","Proper calculation showing that condition.","Invent a large finite payoff number or run an endless sample loop.","Read the replacement set together with M1; implementation remains unapproved."],["B33 — Zero, negative, very small inputs. Partial.","Statement/full-payment exceptions may matter; M2’s displayed divisions do not provide every zero/negative-domain branch. C019, C025, C069–C070, C076.","Applicable exemption and authoritative general implementation treatment.","Substitute a textbook limit or arbitrary floor and call it the regulation’s method.","Seek only public generic official clarification of M1(d)/M2 domain handling."],["B34 — M2 promotional/cap/allocation generalization. Partial.","Preserve the source’s exact conditions and sequential assignments. C071–C076; S002.","Generalization authority and full code-domain validation.","Silently “repair” the source and attribute the new algorithm to CFPB.","Compare public adopted/code text and any official correction; no test dataset or deployment."],["B35 — Monetary rounding and savings. Answered boundary; tie mechanics partial.","Use one common display increment and subtract separately rounded costs. C031, C052, C064.","Actual choice; complete machine tie behavior.","Round only the difference or mix cents and dollars.","Read current M1(f), comment -1, and any necessary official arithmetic clarification."],["B36 — Ten-percent tolerance. Answered boundary.","Apply to the properly rounded comparison-payment benchmark. C062; S001(d)(4).","Proper positive benchmark and disclosed output.","Treat ten percent as a universal cost, APR, or tool-compliance tolerance.","Read the exact object and rounding reference in (d)(4)."],["B37 — Counseling information. Answered boundary; approval regime held.","Preserve count, availability, update, non-endorsement and ordering conditions. C080–C086; S003/S015.","Actual approval, information, service and system predicates.","A statutory information route endorses or recommends a provider.","Read only the generic § 111/§ 109(h) incorporation if a later component requires it; no roster lookup."],["B38 — Interpretation effect/tool approval. Answered boundary.","Official status and qualified good-faith protection do not establish approval of a particular calculator. C077–C079; S006–S007.","Actual conformity, good faith, authority and legal effect.","Copying a sample yields universal immunity or approval.","Read the exact narrow liability provision before any further legal-effect claim."],["B39 — Adoption/transition/source failure. Partial.","Preserve selected adopted changes, statement-event triggers, failed originals, and later-history limits. C087–C097; S008–S014.","Exhaustive intervening history; unavailable original PDF pixels.","Failed retrieval means repeal, no law, or authority to bypass access controls.","Reopen an ordinary official alternate or narrowly identified amendatory body; retain the failure log."],["B40 — Format and sample images. Partial.","Text requires proximity/grouping and substantially similar sample format. C032; S003.","Actual model-image inspection and every relevant format qualification.","Text-only reading certifies an actual statement layout.","Read only the referenced public G-18 sample/interpretation in a later visual-format component."],["B41 — Actual payoff, acceptance, affordability. Excluded application.","The estimates do not establish these separate predicates. C098–C100; S001–S003.","All actual terms, financial circumstances and legal facts.","A disclosed payment is affordable, accepted as settlement, or a release.","No individualized inquiry in this pass; identify a separate generic authority component first."],["B42 — Broader A088 tools and outcomes. Excluded by scope.","M1’s defined comparison does not supply settlement-net-savings, consolidation/transfer, avalanche/snowball, garnishment or tax methods. C065, C098–C100.","Independent public methods, applicable law, empirical evidence where relevant.","Import an earlier payment-allocation conclusion or infer universal savings.","Independently define and research the next generic component; no prior-report adoption."]]},{"headers":["Field label","Authority entry","Evidence entry","Analysis","Result"],"index":12,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Field label","Authority entry","Evidence entry","Analysis","Result"],["Source title and issuer","","","",""],["Source URL","","","",""],["Displayed version and legal status","","","",""],["Actual access and read bounds","","","",""],["Original versus alternate source","","","",""],["Covered generic category","","","",""],["Scope definition or incorporation","","","",""],["Statement/disclosure applicability","","","",""],["Applicable exception category","","","",""],["Calculation method/provision","","","",""],["Variable definition","","","",""],["Unit, numerator and denominator","","","",""],["Balance/reference-event category","","","",""],["Rate/promotion category","","","",""],["Minimum-formula category","","","",""],["Assumption versus account-term choice","","","",""],["Payment/interest ordering convention","","","",""],["Stopping/unavailable-result condition","","","",""],["Rounding stage and increment","","","",""],["Accuracy/tolerance rule","","","",""],["Comparison/cost/savings definition","","","",""],["Documentation or official interpretation","","","",""],["History/effective/application boundary","","","",""],["Source or currentness gap","","","",""],["Generic concept versus actual finding","","","",""],["Other-regime and parent limits","","","",""],["Missing public authority","","","",""],["Exact next permissible public inquiry","","","",""]]},{"headers":["Request/material subquestion","Status and finding","Claim/source/method/branch crosswalk","Missing evidence and exact next permissible inquiry"],"index":13,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Request/material subquestion","Status and finding","Claim/source/method/branch crosswalk","Missing evidence and exact next permissible inquiry"],["1 — Locate actual appendix and inventory organization","Answered. Complete current CFPB M1(a)–(f) read.","C001–C003; S001; organization table; B01","No claim of whole Regulation Z read. Recheck only a material later M1 amendment if identified."],["1 — Nested assumptions, examples, exceptions, notes","Answered within M1. All eleven assumptions, definitions, illustrations and cross-referenced method passages accounted for.","C033–C065; M001–M045; S001–S002","Specialized scope incorporations remain separately marked."],["1 — Current version/status and visual boundaries","Partial. Current official display and selected original history established; visual and exhaustive-history limits remain.","C002–C003, C096–C097; S001–S014; B01, B39","Official original PDF/image availability and unexamined later chain."],["2 — Account/product/actor/purpose scope","Answered boundary; specialized application partial. Consumer/open-end/card category and material exclusions traced.","C009–C025; S003–S005; B02–B11","Full § 1026.61 and general jurisdiction/exemptions; next narrow public scope read only."],["2 — Disclosure versus actual payment/payoff","Answered. Calculation obligation separated from actual contract/payment result.","C022, C035, C056, C098; comparison table; B12, B41","Actual facts excluded; separate generic payment/contract authority needed for another component."],["2 — Alternatives, tolerances and exemptions","Answered. Distinct comparison exceptions, non-amortization route, method choices and accuracy routes preserved.","C023–C031, C053–C065; B25–B36","No actual applicability determination."],["3 — Minimum-payment method and variables","Answered as source specification. M1 requires applicable formulas; no universal recurrence invented.","C035–C055; F01; B12–B25","Actual formulas and terms absent; general implementations not approved."],["3 — Weighted-rate/equal-payment method","Answered within stated domain. M1 alternatives and M2 formulas transcribed.","C056–C070; F02, F04; B27–B28","Zero-denominator and generalized special-case implementation held."],["3 — Interest/payment order, recurrence, cap, stopping and outputs","Partial generalization; complete sample transcription. Source loop retained, not silently repaired.","C071–C076; F03; B32–B34","Public clarification or correction for a general algorithm; no execution/test dataset."],["4 — Rates, promotions and deferred interest","Answered. Separate payment-promotion and APR/deferred-interest treatments.","C033–C039, C044, C058–C059; B14–B17, B21, B28","Actual terms, rates and expiry predicates absent."],["4 — Balances, activity, fees and refunds","Answered boundary. Starting point and no-new-activity option traced; fee composition not invented.","C040–C043; B18–B20","Generic finance-charge/fee authorities would be next if necessary; no actual statement."],["4 — Timing, accrual, grace, final payment and allocation","Answered as assumptions; actual rules excluded.","C045–C052; F03; B22–B24","Actual posting/allocation/accrual law and agreements remain held."],["5 — Rounding and duration tolerance","Answered. Before-rounding two-month test and correct-years route distinguished.","C030–C031, C052–C055; F05; M012–M016; B25–B26","General currency tie handling not supplied."],["5 — Payment tolerance and linked cost/savings accuracy","Answered. Ten-percent post-rounding test and cost dependencies traced.","C062–C065; F04, F06; B35–B36","Actual benchmark/output absent."],["5 — No/negative amortization","Answered disclosure route. Replacement set identified.","C029, C076; B32","No general executable non-amortization detector supplied."],["5 — Zero/negative/very-small inputs and multiple conditions","Partial. Applicable exemptions and missing sample guards explicitly separated.","C019, C025, C069–C076, C097; B33–B34","Exact public implementation clarification; no textbook fallback added."],["6 — Duration/payment/horizon/cost/savings relationships","Answered. All five outputs and dependencies specified.","C035, C055–C065; F01–F06; comparison table","Actual payoff and external/net savings excluded."],["6 — Affordability, acceptance and causal benefit","Excluded by scope, with boundary answered.","C098–C100; B41–B42","Different law, financial facts and empirical evidence would be required."],["7 — Official interpretation and legal effect","Answered narrow status; full remedies held. Codified commentary, Appendix C and § 1640(f) read.","C077–C079; S006–S007; B38","Full §§ 1607/1611, liability elements, standing and remedies remain unexamined."],["7 — Circular/bulletin/advisory withdrawal issue","Not applicable to relied-on sources. None used.","C077; S007","No withdrawal-register inference is made for unrelated guidance."],["7 — Ancillary counseling incorporation","Answered information boundary; approval regime partial.","C080–C086; S003/S015; B37","§ 109(h) and full approval regime are next only if independently necessary."],["8 — Original adoption and rounding amendment","Answered selected history. Adopted M1/M2, 2011 f revision and relevant date clauses read.","C087–C093; S008–S010; M049–M053","No entire Act/rule history or actual transition application."],["8 — Part 1026 republication/finalization","Answered selected history. Original HTML body and finalization clause read.","C094–C095; S011–S012; M054–M055","Failed original PDF and unexamined intervening instruments retained."],["8 — Material later scope conflict","Answered narrow enacted limitation. 2024 adopted definition and 2025 disapproval traced.","C015; S013–S014; M056; B05","Complete subsequent codifier/later-law chain not certified."],["9 — Requested comparisons","Answered within selected framework. Provision-specific comparison table supplied.","C001–C100 as allocated; comparison table; B41–B42","Other A088 methodologies remain separate."],["10 — Measurement register","Answered for every relied-on source quantity. Operative, illustrative and historical quantities separated.","M001–M056; linked claims/sources","No actual deadline, financial model or outcome computation."],["11 — Conditional branches","Answered. B01–B42 each supplies rule, conditions, missing predicates, adverse inference and next inquiry.","Branch table","Application remains excluded; partial authority/method branches expressly identified."],["11 — Blank worksheet","Answered. Every entry/analysis/result cell left empty.","Section 8","No request for data, completed form or decision instrument."]]},{"headers":["Log entry","Source/activity","Actual result and retained boundary"],"index":14,"links":[{"href":"https://www.govinfo.gov/content/pkg/FR-2010-02-22/pdf/FR-2010-02-22.pdf?utm_source=chatgpt.com","text":"https://www.govinfo.gov/content/pkg/FR-2010-02-22/pdf/FR-2010-02-22.pdf"}],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[{"href":"https://www.govinfo.gov/content/pkg/FR-2010-02-22/pdf/FR-2010-02-22.pdf?utm_source=chatgpt.com","text":"https://www.govinfo.gov/content/pkg/FR-2010-02-22/pdf/FR-2010-02-22.pdf"}],[],[],[],[],[],[]],"rows":[["Log entry","Source/activity","Actual result and retained boundary"],["L01","S001 current CFPB M1","Complete body read. Search results were used for discovery, not substituted for this reading."],["L02","S001 current eCFR M1","Status banner and selected matching passages read. Complete-body reliance rests on the CFPB reading and selected adopted texts."],["L03","S002 current CFPB M2","Complete sample read, including code and output statements; not executed."],["L04","S002 eCFR M2","Selected code checked; distinct retrieved currency banner preserved."],["L05","S003 § 7 and standalone interpretation page","Complete selected repayment/format bodies and identified comments read; no whole-section or whole-Supplement claim."],["L06","S004 definitions/authority","Complete material clauses read; competing § 2(a)(15) displays identified rather than silently harmonized."],["L07","S005 periodic-statement requirement","Complete narrow paragraph and comments read; no full notice/collection regime."],["L08","S006 current OLRC statutes","Current-edition redirects succeeded; complete selected clauses read with displayed cutoff."],["L09","S007 Appendix C/Introduction","Current official status and tool-approval boundary read; no request submitted."],["L10","S008 original CARD Act","Selected complete enactment/effective clauses read in parsed PDF; no whole-Act claim."],["L11","S009 2010 adoption","Complete adopted M1/M2 read through HTML and selected parsed PDF. Daily-issue PDF was an additional discovery route, not an independent source or whole-issue read: https://www.govinfo.gov/content/pkg/FR-2010-02-22/pdf/FR-2010-02-22.pdf."],["L12","S010 amendment/correction","Complete M1(f) amendment and necessary date/application clauses read; correction read fully and bounded as non-M1 in its enumerated changes."],["L13","S011 republication","FederalRegister.gov original-document HTML was readable after GovInfo failures. Complete M1/M2 republication read; no PDF-image claim."],["L14","S012 finalization","Operative finalization clause and complete Regulation Z item M read; listed intervening instruments not thereby deemed read."],["L15","S013–S014 scope-status check","Complete selected 2024 replacement definition and complete 2025 disapproval clause read. No actual institution or overdraft program examined."],["L16","S015 counseling category","§ 111(a) read; no approved-provider list or actual organization accessed."],["L17","Additional discovery searches","Recent official-source searches returned the current M1 body. This is not proof that no later law or judicial treatment exists. Unopened mirrors, off-topic results, and summaries were not legal evidence."]]},{"headers":["Failure ID","Exact endpoint/action","Observed result","Readable alternative or remaining gap"],"index":15,"links":[{"href":"https://www.govinfo.gov/content/pkg/FR-2011-12-22/html/2011-31715.htm","text":"https://www.govinfo.gov/content/pkg/FR-2011-12-22/html/2011-31715.htm"},{"href":"https://www.govinfo.gov/content/pkg/FR-2011-12-22/pdf/2011-31715.pdf","text":"https://www.govinfo.gov/content/pkg/FR-2011-12-22/pdf/2011-31715.pdf"},{"href":"https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section1637&num=0&edition=prelim","text":"https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section1637&num=0&edition=prelim"},{"href":"https://uscode.house.gov/us/usc/t15/s1637/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/t15/s1637/"},{"href":"https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section1604&num=0&edition=prelim","text":"https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section1604&num=0&edition=prelim"},{"href":"https://uscode.house.gov/us/usc/t15/s1604/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/t15/s1604/"},{"href":"https://www.govinfo.gov/content/pkg/FR-2024-12-30/html/2024-29699.htm","text":"https://www.govinfo.gov/content/pkg/FR-2024-12-30/html/2024-29699.htm"}],"row_links":[[],[{"href":"https://www.govinfo.gov/content/pkg/FR-2011-12-22/html/2011-31715.htm","text":"https://www.govinfo.gov/content/pkg/FR-2011-12-22/html/2011-31715.htm"}],[{"href":"https://www.govinfo.gov/content/pkg/FR-2011-12-22/pdf/2011-31715.pdf","text":"https://www.govinfo.gov/content/pkg/FR-2011-12-22/pdf/2011-31715.pdf"}],[{"href":"https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section1637&num=0&edition=prelim","text":"https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section1637&num=0&edition=prelim"},{"href":"https://uscode.house.gov/us/usc/t15/s1637/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/t15/s1637/"}],[{"href":"https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section1604&num=0&edition=prelim","text":"https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section1604&num=0&edition=prelim"},{"href":"https://uscode.house.gov/us/usc/t15/s1604/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/t15/s1604/"}],[{"href":"https://www.govinfo.gov/content/pkg/FR-2024-12-30/html/2024-29699.htm","text":"https://www.govinfo.gov/content/pkg/FR-2024-12-30/html/2024-29699.htm"}],[],[],[]],"rows":[["Failure ID","Exact endpoint/action","Observed result","Readable alternative or remaining gap"],["F01","https://www.govinfo.gov/content/pkg/FR-2011-12-22/html/2011-31715.htm","Reported inaccessible through the retrieval service.","S011 FederalRegister.gov HTML read; failure remains recorded."],["F02","https://www.govinfo.gov/content/pkg/FR-2011-12-22/pdf/2011-31715.pdf","Retrieval rejected the PDF as too large.","Original print-PDF access/pixels not established; HTML printed-page markers used."],["F03","https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section1637&num=0&edition=prelim","404 response.","Ordinary https://uscode.house.gov/us/usc/t15/s1637/ redirect led to S006’s current edition."],["F04","https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section1604&num=0&edition=prelim","404 response.","Ordinary https://uscode.house.gov/us/usc/t15/s1604/ redirect led to S006’s current edition."],["F05","https://www.govinfo.gov/content/pkg/FR-2024-12-30/html/2024-29699.htm","Reported inaccessible.","S013 PDF parsed text was readable for the exact selected clauses."],["F06","Screenshot of S009 PDF, zero-based index 190","Timeout.","Parsed original M2 code at printed 7848/index 190 was read; no pixel inspection asserted."],["F07","Screenshot requests for S009 indices 188–189, S010 indices 56–57, S014 index 0","Returned screenshot markers without reviewable image content in the material available for inspection.","No claim of visual verification; HTML/parsed-text bounds govern."],["F08","eCFR unsupported-browser notice","The notice appeared, but substantive text remained readable.","It is not treated as a failed body read or as permission for a workaround."]]},{"headers":["Gap","Exact limit","Consequence for this pass","Next permissible generic inquiry"],"index":16,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Gap","Exact limit","Consequence for this pass","Next permissible generic inquiry"],["G01 — Exhaustive currentness","Current displays, compilation cutoffs, and selected history do not establish every later enactment, amendment, correction or judicial disposition.","No whole-chain certification.","Narrow official amendment/status checking for the selected provisions only."],["G02 — Specialized account scope","Full § 1026.61 prepaid-credit definitions and transitions were not read.","No categorical conclusion about every prepaid or account-number arrangement.","Complete indispensable public § 1026.61 clause and relevant adopted history, separately scoped."],["G03 — Conflicting overdraft display","Disapproval is verified; complete codifier repair and later-law history are not.","The disapproved expansion is not used as operative coverage.","Further generic official codification/status reconciliation, without institution queries."],["G04 — General implementation","M2’s source code does not specify every input-domain guard or generalized allocation/cap case.","It is not certified as a universal payoff algorithm.","Public official correction or methodological clarification; no new test account or deployment."],["G05 — Rounding mechanics","Nearest-unit requirements are read; a universal machine currency-tie policy is not supplied.","No invented half-up rule for every monetary operation.","Exact official arithmetic clarification if indispensable to another component."],["G06 — Actual account terms and facts","No balance, rate, minimum, fee, promotion, cycle, contract, payment or activity exists in the evidence.","No actual estimate, payoff, amount due, suitability or affordability conclusion.","No factual intake within this pass."],["G07 — Actual payment allocation","M1’s permitted assumption is read; § 1026.53 is not independently analyzed here.","No actual allocation rule imported from a prior report.","A separate original-source allocation-law component."],["G08 — Format images","Referenced G-18 sample images were not visually reviewed.","No complete visual-format compliance claim.","Read the exact public sample images and necessary official format comments in a bounded follow-up."],["G09 — Counseling approval","Information duty/category distinction read; full approval and § 109(h) service/eligibility regime held.","No provider endorsement, selection, approval or eligibility finding.","Generic statutory incorporation only if necessary; no roster lookup."],["G10 — Full legal effect/remedies","Narrow § 1640(f) read; full liability, enforcement, standing, exemptions and remedies held.","No immunity, violation, recovery, cancellation or debt-release finding.","Complete relevant narrow authority before any further legal-effect assertion."],["G11 — Broader calculators","Settlement, consolidation, transfer, avalanche/snowball, garnishment, tax and affordability methods are outside this source framework.","No universal savings or decision-tool recommendation.","Independently define and research each later generic method."],["G12 — Empirical outcomes","Statutory assumptions and illustrative calculations are not causal or behavioral evidence.","No claim of guaranteed savings, improved adherence, successful completion or nationally best method.","Separate empirical evidence would be required; none introduced here."]]},{"headers":["Check","Result"],"index":17,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Check","Result"],["Independent source foundation","Earlier reports were not used as substantive evidence or adopted conclusions."],["Complete selected appendix","M1(a)–(f), nested clauses, assumptions and illustrations were read completely."],["Linked methodology","M2 was read completely because M1 incorporates it as an example; no code was run."],["Scope and exceptions","Defined account category, periodic-statement trigger, whole-disclosure exemptions, comparison exceptions and non-amortization route are separated."],["Mandatory versus permitted wording","Required formulas/rate transitions are distinguished from permitted assumptions and alternative methods."],["Formula presentation","All report formulas use literal plain text and explicit operators; no mathematical rendering is required."],["Source-supplied numbers","Source illustrations are identified and registered; no new account example or result was created."],["Accuracy claims","Duration, payment and dependent cost/savings accuracy treatments are kept distinct."],["Material source conflict","The overdraft-definition discrepancy and enacted disapproval remain visible."],["Adoption/application","Selected adopted clauses and date triggers were read; publication, effectiveness, compliance and mailing/delivery are distinguished."],["Access honesty","Failed endpoints and lack of pixel verification are retained; no unseen whole-file review claimed."],["Blank worksheet","All authority/evidence/analysis/result cells are empty."],["Parent holds","Actual parties, accounts, contracts, inputs, outcomes, broader legal regimes and other A088 methods remain absent or held."],["Review/acceptance status","This is a researcher self-check, not independent review, component acceptance, operational approval, or publication acceptance."]]}],"claims":[{"claim_id":"R088-P1-C001","area_numbers":[88],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R088-P1-C001","Supported proposition":"Current displayed M1 consists of (a)–(f), including two definitions and eleven paragraph (b)(4) assumptions.","Conditions, exceptions, and limits":"No missing or reserved M1 subdivision was identified in the complete body read. M2 is a separate linked appendix.","Exact authority":"S001, complete body; S002 introduction. \nConsumer Financial Protection Bureau"},"coordinator_verification_status":"whole_report_reviewed_selected_primary_checks_only_see_exact_source_bounds","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"R088-P1-C002","area_numbers":[88],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R088-P1-C002","Supported proposition":"CFPB labels the displayed M1 current; eCFR supplied a title-level currency date.","Conditions, exceptions, and limits":"Neither label establishes an exhaustive later-law or judicial-history chain.","Exact authority":"S001 banners; S009–S012 selected history. \nConsumer Financial Protection Bureau\n+1"},"coordinator_verification_status":"whole_report_reviewed_selected_primary_checks_only_see_exact_source_bounds","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"R088-P1-C003","area_numbers":[88],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R088-P1-C003","Supported proposition":"Retrieved official displays had different currency labels and a substantive definition discrepancy.","Conditions, exceptions, and limits":"The M2 and § 1026.2 retrieval labels cannot be substituted for M1’s label; the overdraft discrepancy requires S013–S014.","Exact authority":"S002, S004, S013–S014. \necfr.gov\n+3"},"coordinator_verification_status":"whole_report_reviewed_selected_primary_checks_only_see_exact_source_bounds","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"R088-P1-C004","area_numbers":[88],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R088-P1-C004","Supported proposition":"Regulation Z is issued by CFPB to implement TILA; § 1604(a) directs regulations and permits specified adjustments/classifications/exceptions.","Conditions, exceptions, and limits":"Section 1604(a)’s express mortgage-related qualification is preserved; the referenced mortgage regime is not analyzed here.","Exact authority":"S004 § 1026.1(a); S006 § 1604(a). \nConsumer Financial Protection Bureau\n+1"},"coordinator_verification_status":"whole_report_reviewed_selected_primary_checks_only_see_exact_source_bounds","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"R088-P1-C005","area_numbers":[88],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R088-P1-C005","Supported proposition":"Section 1637(b)(11) requires specified repayment information, including minimum-payment duration/cost and a thirty-six-month payment/cost comparison.","Conditions, exceptions, and limits":"Statutory assumptions include no further advances; cost includes principal and interest. The periodic-statement introductory condition also matters.","Exact authority":"S006 § 1637(b) introduction; (b)(11)(A)–(B). \nuscode.house.gov\n+2"},"coordinator_verification_status":"whole_report_reviewed_selected_primary_checks_only_see_exact_source_bounds","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"R088-P1-C006","area_numbers":[88],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R088-P1-C006","Supported proposition":"The statute uses disclosure-date rates, with a separate temporary-rate/index-or-formula transition instruction.","Conditions, exceptions, and limits":"The temporary rate applies for its contractual duration, then the index/formula on the applicable billing date. No actual rate or contractual duration is known.","Exact authority":"S006 § 1637(b)(11)(C)(i)–(ii). \nuscode.house.gov"},"coordinator_verification_status":"whole_report_reviewed_selected_primary_checks_only_see_exact_source_bounds","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"R088-P1-C007","area_numbers":[88],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R088-P1-C007","Supported proposition":"Statutory repayment information must follow prescribed form, prominence, table, ordering, and understandable-terminology requirements.","Conditions, exceptions, and limits":"These are disclosure requirements, not proof that any particular statement or tool complies.","Exact authority":"S006 § 1637(b)(11)(D)–(G). \nuscode.house.gov\n+2"},"coordinator_verification_status":"whole_report_reviewed_selected_primary_checks_only_see_exact_source_bounds","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"R088-P1-C008","area_numbers":[88],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R088-P1-C008","Supported proposition":"Statutory months wording and the regulation’s years-for-longer-periods display rule are not identical.","Conditions, exceptions, and limits":"The 2010 adoption expressly explains the adjustment under statutory authority. That explanation is not an independent judicial ruling on validity or application.","Exact authority":"S006 § 1637(b)(11)(B)(i); S003 § 7(b)(12)(i)(B); S009 selected rounding explanation. \nuscode.house.gov\n+2"},"coordinator_verification_status":"whole_report_reviewed_selected_primary_checks_only_see_exact_source_bounds","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"R088-P1-C009","area_numbers":[88],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R088-P1-C009","Supported proposition":"Consumer credit is credit offered or extended primarily for personal, family, or household purposes; “consumer” has the regulation’s defined meaning.","Conditions, exceptions, and limits":"Special extensions of “consumer” for other sections do not erase the purpose restriction of this selected disclosure category.","Exact authority":"S004 § 2(a)(11)–(12). \nConsumer Financial Protection Bureau\n+1"},"coordinator_verification_status":"whole_report_reviewed_selected_primary_checks_only_see_exact_source_bounds","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"R088-P1-C010","area_numbers":[88],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R088-P1-C010","Supported proposition":"Card issuer includes the issuing person or its agent regarding the card; cardholder and person are separately defined.","Conditions, exceptions, and limits":"Cardholder’s broader business-use definition is expressly for § 1026.12(a)–(b), not a blanket expansion of M1. Agency or payment responsibility is not established for anyone.","Exact authority":"S004 § 2(a)(7), (8), (22). \necfr.gov\n+1"},"coordinator_verification_status":"whole_report_reviewed_selected_primary_checks_only_see_exact_source_bounds","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"R088-P1-C011","area_numbers":[88],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R088-P1-C011","Supported proposition":"Open-end credit requires a plan satisfying repeated-transaction contemplation, possible finance charge on unpaid balance, and replenishment as balances are repaid.","Conditions, exceptions, and limits":"All three regulatory conditions matter; a marketing label alone is insufficient.","Exact authority":"S004 § 2(a)(14), (20)(i)–(iii). \nConsumer Financial Protection Bureau\n+1"},"coordinator_verification_status":"whole_report_reviewed_selected_primary_checks_only_see_exact_source_bounds","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"R088-P1-C012","area_numbers":[88],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R088-P1-C012","Supported proposition":"A credit card is a card, plate, or other single credit device usable from time to time to obtain credit; CFPB’s body includes hybrid prepaid-credit cards by cross-reference.","Conditions, exceptions, and limits":"Complete § 1026.61 classification is held; no conclusion about a particular device, transfer, or prepaid feature follows.","Exact authority":"S004 § 2(a)(15)(i). \nConsumer Financial Protection Bureau"},"coordinator_verification_status":"whole_report_reviewed_selected_primary_checks_only_see_exact_source_bounds","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"R088-P1-C013","area_numbers":[88],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R088-P1-C013","Supported proposition":"CFPB’s account definition excludes a card-accessed § 1026.40 home-equity plan and specified overdraft lines, with an account-number/hybrid-prepaid exception.","Conditions, exceptions, and limits":"The exception refers to a covered separate credit feature under § 1026.61; that specialized predicate remains unresolved here.","Exact authority":"S004 § 2(a)(15)(ii)(A)–(C). \nConsumer Financial Protection Bureau\n+1"},"coordinator_verification_status":"whole_report_reviewed_selected_primary_checks_only_see_exact_source_bounds","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"R088-P1-C014","area_numbers":[88],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R088-P1-C014","Supported proposition":"“Charge card” is defined by absence of a periodic rate used to calculate a finance charge.","Conditions, exceptions, and limits":"That definition is distinct from the specific full-balance-payment condition in the repayment-disclosure exemption.","Exact authority":"S004 § 2(a)(15)(iii); S003 § 7(b)(12)(v)(A). \nConsumer Financial Protection Bureau\n+1"},"coordinator_verification_status":"whole_report_reviewed_selected_primary_checks_only_see_exact_source_bounds","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"R088-P1-C015","area_numbers":[88],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R088-P1-C015","Supported proposition":"The eCFR definition wording matched the adopted 2024 overdraft amendment, which Public Law 119-10 disapproved.","Conditions, exceptions, and limits":"The resolution says the identified rule has no force or effect. The displayed expansion is not relied on as operative coverage; complete later-law/codifier history remains held.","Exact authority":"S013 instruction 5; S014 operative clause. \ngovinfo.gov\n+2"},"coordinator_verification_status":"whole_report_reviewed_selected_primary_checks_only_see_exact_source_bounds","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"R088-P1-C016","area_numbers":[88],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R088-P1-C016","Supported proposition":"For Subpart B, § 2(a)(17)(iii) includes an issuer extending open-end credit, or credit without a finance charge and not payable by written agreement in more than four installments.","Conditions, exceptions, and limits":"This is a particular creditor-definition route; other routes and full jurisdictional exemptions are not resolved.","Exact authority":"S004 § 2(a)(17)(iii). \necfr.gov"},"coordinator_verification_status":"whole_report_reviewed_selected_primary_checks_only_see_exact_source_bounds","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"R088-P1-C017","area_numbers":[88],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R088-P1-C017","Supported proposition":"A billing cycle is the interval between regular periodic statements; the regulatory definition requires equal intervals no longer than a quarter-year, with specified four-day variance.","Conditions, exceptions, and limits":"Selected commentary distinguishes first and transitional cycles for equality. This does not prescribe M1’s optional equal-month calculation convention as an actual billing term.","Exact authority":"S004 § 2(a)(4); comment 2(a)(4)-3. \necfr.gov\n+1"},"coordinator_verification_status":"whole_report_reviewed_selected_primary_checks_only_see_exact_source_bounds","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"R088-P1-C018","area_numbers":[88],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R088-P1-C018","Supported proposition":"A periodic rate is a finance-charge rate applicable to a balance for a subdivision of a year.","Conditions, exceptions, and limits":"A monthly/daily calculation convention is not proof of the actual account’s APR or accrual method.","Exact authority":"S004 § 2(a)(21). \nConsumer Financial Protection Bureau"},"coordinator_verification_status":"whole_report_reviewed_selected_primary_checks_only_see_exact_source_bounds","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"R088-P1-C019","area_numbers":[88],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R088-P1-C019","Supported proposition":"Section 5(b)(2)(i) generally requires a statement for a cycle ending with a debit or credit balance over $1, or one on which a finance charge was imposed.","Conditions, exceptions, and limits":"The alternatives and the exceptions in the same paragraph must be retained.","Exact authority":"S005 § 5(b)(2)(i). \nConsumer Financial Protection Bureau"},"coordinator_verification_status":"whole_report_reviewed_selected_primary_checks_only_see_exact_source_bounds","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"R088-P1-C020","area_numbers":[88],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R088-P1-C020","Supported proposition":"Statement exceptions include deemed-uncollectible accounts, instituted delinquency proceedings, qualifying charge-off with no further fees/interest, or conflict with federal law.","Conditions, exceptions, and limits":"Commentary defines cessation of collection efforts and distinguishes adjudicatory proceedings from mere assignment to a collector. No debt release is established.","Exact authority":"S005 § 5(b)(2)(i); comments -3 and -4. \nConsumer Financial Protection Bureau"},"coordinator_verification_status":"whole_report_reviewed_selected_primary_checks_only_see_exact_source_bounds","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"R088-P1-C021","area_numbers":[88],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R088-P1-C021","Supported proposition":"Ending draw privileges without conversion to closed-end credit does not itself eliminate otherwise-required periodic statements.","Conditions, exceptions, and limits":"The comment includes a workout that is not converted to a closed-end transaction. No actual workout is examined.","Exact authority":"S005 comment 5(b)(2)(i)-2. \nConsumer Financial Protection Bureau"},"coordinator_verification_status":"whole_report_reviewed_selected_primary_checks_only_see_exact_source_bounds","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"R088-P1-C022","area_numbers":[88],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R088-P1-C022","Supported proposition":"Subject to its exceptions, § 7(b)(12) requires repayment disclosures on each periodic statement for its defined credit-card-account category.","Conditions, exceptions, and limits":"Coverage, statement requirement, qualifying category, and exceptions are separate questions.","Exact authority":"S003 § 7(b)(12)(i). \nConsumer Financial Protection Bureau"},"coordinator_verification_status":"whole_report_reviewed_selected_primary_checks_only_see_exact_source_bounds","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"R088-P1-C023","area_numbers":[88],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R088-P1-C023","Supported proposition":"Repayment disclosures are exempt for charge-card accounts requiring payment of outstanding balances in full at each cycle end.","Conditions, exceptions, and limits":"This is not an exemption for every account called a charge card without checking the stated condition.","Exact authority":"S003 § 7(b)(12)(v)(A). \nConsumer Financial Protection Bureau"},"coordinator_verification_status":"whole_report_reviewed_selected_primary_checks_only_see_exact_source_bounds","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"R088-P1-C024","area_numbers":[88],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R088-P1-C024","Supported proposition":"Another exemption applies to the cycle immediately following two consecutive cycles meeting the full-payment, zero-balance, or credit-balance condition.","Conditions, exceptions, and limits":"One qualifying cycle alone does not establish this exemption.","Exact authority":"S003 § 7(b)(12)(v)(B). \nConsumer Financial Protection Bureau"},"coordinator_verification_status":"whole_report_reviewed_selected_primary_checks_only_see_exact_source_bounds","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"R088-P1-C025","area_numbers":[88],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R088-P1-C025","Supported proposition":"A cycle is exempt when its required minimum would pay its entire outstanding balance.","Conditions, exceptions, and limits":"The comment includes an immediately-due full balance on a charged-off account; this concerns disclosure, not extinguishment.","Exact authority":"S003 § 7(b)(12)(v)(C); comment -1. \nConsumer Financial Protection Bureau"},"coordinator_verification_status":"whole_report_reviewed_selected_primary_checks_only_see_exact_source_bounds","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"R088-P1-C026","area_numbers":[88],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R088-P1-C026","Supported proposition":"The thirty-six-month comparison is not required when the disclosed minimum-payment duration, after rounding, is three years or less.","Conditions, exceptions, and limits":"This is an exception to the comparison disclosures, not necessarily all repayment disclosures.","Exact authority":"S003 § 7(b)(12)(i)(F)(2)(i); comment (F)-1. \nConsumer Financial Protection Bureau"},"coordinator_verification_status":"whole_report_reviewed_selected_primary_checks_only_see_exact_source_bounds","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"R088-P1-C027","area_numbers":[88],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R088-P1-C027","Supported proposition":"The comparison is also not required when its rounded monthly estimate is less than that cycle’s required minimum.","Conditions, exceptions, and limits":"The comparison is strict “less than,” and uses the specified rounding.","Exact authority":"S003 § 7(b)(12)(i)(F)(2)(ii). \nConsumer Financial Protection Bureau"},"coordinator_verification_status":"whole_report_reviewed_selected_primary_checks_only_see_exact_source_bounds","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"R088-P1-C028","area_numbers":[88],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R088-P1-C028","Supported proposition":"A further comparison exception requires both a revolving-feature balance without fixed-time contractual amortization and a fixed-repayment-feature balance amortizing in a contractual period below thirty-six months.","Conditions, exceptions, and limits":"Both feature conditions and the strict duration condition matter.","Exact authority":"S003 § 7(b)(12)(i)(F)(2)(iii). \nConsumer Financial Protection Bureau"},"coordinator_verification_status":"whole_report_reviewed_selected_primary_checks_only_see_exact_source_bounds","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"R088-P1-C029","area_numbers":[88],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R088-P1-C029","Supported proposition":"Negative or no amortization triggers a replacement disclosure set.","Conditions, exceptions, and limits":"It includes prescribed warnings, the thirty-six-month payment estimate and accompanying statement, and counseling-information number; no finite minimum-payment payoff period is invented.","Exact authority":"S003 § 7(b)(12)(ii)(A)–(E). \nConsumer Financial Protection Bureau"},"coordinator_verification_status":"whole_report_reviewed_selected_primary_checks_only_see_exact_source_bounds","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"R088-P1-C030","area_numbers":[88],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R088-P1-C030","Supported proposition":"Duration below two years is disclosed in months; otherwise in years rounded to a whole year.","Conditions, exceptions, and limits":"The original adoption explains the half-year rounding boundary; no actual calendar calculation follows.","Exact authority":"S003 § 7(b)(12)(i)(B); S009 rounding explanation. \nConsumer Financial Protection Bureau\n+1"},"coordinator_verification_status":"whole_report_reviewed_selected_primary_checks_only_see_exact_source_bounds","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"R088-P1-C031","area_numbers":[88],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R088-P1-C031","Supported proposition":"The issuer chooses dollar or cent rounding for the specified monetary disclosures, but must use the choice consistently.","Conditions, exceptions, and limits":"It may not mix whole-dollar and cent display rounding among those disclosures.","Exact authority":"S003 comment 7(b)(12)-1. \nConsumer Financial Protection Bureau"},"coordinator_verification_status":"whole_report_reviewed_selected_primary_checks_only_see_exact_source_bounds","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"R088-P1-C032","area_numbers":[88],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R088-P1-C032","Supported proposition":"Repayment disclosures have proximity/grouping and substantially-similar-format requirements.","Conditions, exceptions, and limits":"§ 7(b)(13) and G-18 samples are referenced; no sample-image or actual-statement visual compliance finding is made.","Exact authority":"S003 § 7(b)(12)(iii), (b)(13), comment 7(b)(13)-1. \nConsumer Financial Protection Bureau"},"coordinator_verification_status":"whole_report_reviewed_selected_primary_checks_only_see_exact_source_bounds","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"R088-P1-C033","area_numbers":[88],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R088-P1-C033","Supported proposition":"Promotional terms are account terms expiring in a fixed period set by the issuer.","Conditions, exceptions, and limits":"The definition does not itself supply the period or actual terms.","Exact authority":"S001(a)(1). \nConsumer Financial Protection Bureau"},"coordinator_verification_status":"whole_report_reviewed_selected_primary_checks_only_see_exact_source_bounds","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"R088-P1-C034","area_numbers":[88],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R088-P1-C034","Supported proposition":"A deferred-interest or similar plan avoids obligation for accrued interest if the relevant balance/transactions are paid in full before the specified period expires.","Conditions, exceptions, and limits":"“Prior to expiration” is preserved; no actual completion or grace period is established.","Exact authority":"S001(a)(2). \nConsumer Financial Protection Bureau"},"coordinator_verification_status":"whole_report_reviewed_selected_primary_checks_only_see_exact_source_bounds","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"R088-P1-C035","area_numbers":[88],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R088-P1-C035","Supported proposition":"The minimum-payment estimate uses applicable minimum-payment formulas; with multiple formulas, each applies to its relevant balance portion and the longest calculated period is disclosed.","Conditions, exceptions, and limits":"M1’s formula illustration is not a universal minimum-payment formula.","Exact authority":"S001(b)(1). \nConsumer Financial Protection Bureau"},"coordinator_verification_status":"whole_report_reviewed_selected_primary_checks_only_see_exact_source_bounds","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"R088-P1-C036","area_numbers":[88],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R088-P1-C036","Supported proposition":"Promotional payment terms may be disregarded, or used until expiration followed by the successor formula.","Conditions, exceptions, and limits":"They may not be extended beyond expiration throughout a longer payoff estimate. This permission concerns payment terms, not the separate APR rule.","Exact authority":"S001(b)(1), complete promotional-payment paragraphs. \nConsumer Financial Protection Bureau"},"coordinator_verification_status":"whole_report_reviewed_selected_primary_checks_only_see_exact_source_bounds","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"R088-P1-C037","area_numbers":[88],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R088-P1-C037","Supported proposition":"Applicable APRs must be used for the balance portions to which they apply.","Conditions, exceptions, and limits":"No universal rate or actual rate is established.","Exact authority":"S001(b)(2), opening sentence. \nConsumer Financial Protection Bureau"},"coordinator_verification_status":"whole_report_reviewed_selected_primary_checks_only_see_exact_source_bounds","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"R088-P1-C038","area_numbers":[88],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R088-P1-C038","Supported proposition":"Non-deferred-interest promotional APRs must be used until expiration, then the applicable successor APR; a variable successor uses the applicable index/formula.","Conditions, exceptions, and limits":"The successor variable rate is considered accurate if in effect within the last thirty days before the estimate is provided.","Exact authority":"S001(b)(2). \nConsumer Financial Protection Bureau"},"coordinator_verification_status":"whole_report_reviewed_selected_primary_checks_only_see_exact_source_bounds","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"R088-P1-C039","area_numbers":[88],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R088-P1-C039","Supported proposition":"Deferred-interest treatment depends on whether minimum payments will pay the balance in full before expiration.","Conditions, exceptions, and limits":"If they will, use zero APR for the affected balance. If they may not, assume accrued interest will be owed and use the accrual APR. This is a disclosure assumption, not a finding about actual future performance.","Exact authority":"S001(b)(2), deferred-interest paragraphs. \nConsumer Financial Protection Bureau"},"coordinator_verification_status":"whole_report_reviewed_selected_primary_checks_only_see_exact_source_bounds","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"R088-P1-C040","area_numbers":[88],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R088-P1-C040","Supported proposition":"The starting balance is the outstanding balance at the last billing cycle’s closing date.","Conditions, exceptions, and limits":"Rounding that starting balance to the nearest whole dollar is permitted.","Exact authority":"S001(b)(3). \nConsumer Financial Protection Bureau"},"coordinator_verification_status":"whole_report_reviewed_selected_primary_checks_only_see_exact_source_bounds","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"R088-P1-C041","area_numbers":[88],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R088-P1-C041","Supported proposition":"For each listed paragraph (b)(4) term, the issuer may use the stated assumption or the applicable account term.","Conditions, exceptions, and limits":"The list must not be represented as eleven universally mandatory contractual terms.","Exact authority":"S001(b)(4), introductory sentence. \nConsumer Financial Protection Bureau"},"coordinator_verification_status":"whole_report_reviewed_selected_primary_checks_only_see_exact_source_bounds","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"R088-P1-C042","area_numbers":[88],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R088-P1-C042","Supported proposition":"One permitted assumption is only minimum monthly payments, made every month, without cancellation/suspension/skip-payment features.","Conditions, exceptions, and limits":"Subject to the term-by-term choice in C041. It is not an instruction to a consumer to make or omit a payment.","Exact authority":"S001(b)(4)(i). \nConsumer Financial Protection Bureau"},"coordinator_verification_status":"whole_report_reviewed_selected_primary_checks_only_see_exact_source_bounds","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"R088-P1-C043","area_numbers":[88],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R088-P1-C043","Supported proposition":"One permitted assumption is no additional credit, purchases, transactions, fees, charges, other activity, refunds, or rebates.","Conditions, exceptions, and limits":"This does not identify the composition of the existing statement balance or prove actual future fees will be absent.","Exact authority":"S001(b)(4)(ii), (b)(3). \nConsumer Financial Protection Bureau"},"coordinator_verification_status":"whole_report_reviewed_selected_primary_checks_only_see_exact_source_bounds","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"R088-P1-C044","area_numbers":[88],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R088-P1-C044","Supported proposition":"Rates may be assumed unchanged except for paragraph (b)(2)’s rules.","Conditions, exceptions, and limits":"The source permits assuming a currently applicable penalty APR continues despite possible later return to a non-penalty APR. No prediction of actual rate treatment follows.","Exact authority":"S001(b)(4)(iii). \nConsumer Financial Protection Bureau"},"coordinator_verification_status":"whole_report_reviewed_selected_primary_checks_only_see_exact_source_bounds","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"R088-P1-C045","area_numbers":[88],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R088-P1-C045","Supported proposition":"No grace period is a permitted assumption.","Conditions, exceptions, and limits":"It does not remove any actual contractual or legal grace-period rights.","Exact authority":"S001(b)(4)(iv), subject to C041. \nConsumer Financial Protection Bureau"},"coordinator_verification_status":"whole_report_reviewed_selected_primary_checks_only_see_exact_source_bounds","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"R088-P1-C046","area_numbers":[88],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R088-P1-C046","Supported proposition":"The final payment may be assumed to pay the account in full with no residual finance charge after the final month.","Conditions, exceptions, and limits":"It is not an actual payoff statement or release.","Exact authority":"S001(b)(4)(v). \nConsumer Financial Protection Bureau"},"coordinator_verification_status":"whole_report_reviewed_selected_primary_checks_only_see_exact_source_bounds","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"R088-P1-C047","area_numbers":[88],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R088-P1-C047","Supported proposition":"Average daily balance is a permitted balance-calculation assumption.","Conditions, exceptions, and limits":"This does not establish the method required by an actual agreement.","Exact authority":"S001(b)(4)(vi). \nConsumer Financial Protection Bureau"},"coordinator_verification_status":"whole_report_reviewed_selected_primary_checks_only_see_exact_source_bounds","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"R088-P1-C048","area_numbers":[88],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R088-P1-C048","Supported proposition":"Equal-length months, ignored leap year, and monthly or daily periodic rates are permitted; the daily alternatives pair 365 days with 30.41667-day months, or 360 days with 30-day months.","Conditions, exceptions, and limits":"The pairs are source conventions; they are not actual calendar lengths.","Exact authority":"S001(b)(4)(vii). \nConsumer Financial Protection Bureau"},"coordinator_verification_status":"whole_report_reviewed_selected_primary_checks_only_see_exact_source_bounds","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"R088-P1-C049","area_numbers":[88],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R088-P1-C049","Supported proposition":"Crediting payments on the last day of the month or billing cycle is a permitted assumption.","Conditions, exceptions, and limits":"No actual posting deadline, receipt rule, or payment due date is supplied.","Exact authority":"S001(b)(4)(viii). \nConsumer Financial Protection Bureau"},"coordinator_verification_status":"whole_report_reviewed_selected_primary_checks_only_see_exact_source_bounds","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"R088-P1-C050","area_numbers":[88],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R088-P1-C050","Supported proposition":"Allocation to lower-APR balances before higher-APR balances is a permitted calculation assumption.","Conditions, exceptions, and limits":"This is not an investigation or statement of actual payment-allocation law; § 1026.53 remains a separate, unexamined component.","Exact authority":"S001(b)(4)(ix), introductory choice clause. \nConsumer Financial Protection Bureau"},"coordinator_verification_status":"whole_report_reviewed_selected_primary_checks_only_see_exact_source_bounds","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"R088-P1-C051","area_numbers":[88],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R088-P1-C051","Supported proposition":"The account may be assumed not past due and not over its credit limit.","Conditions, exceptions, and limits":"No actual status or consequence is established.","Exact authority":"S001(b)(4)(x). \nConsumer Financial Protection Bureau"},"coordinator_verification_status":"whole_report_reviewed_selected_primary_checks_only_see_exact_source_bounds","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"R088-P1-C052","area_numbers":[88],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R088-P1-C052","Supported proposition":"Assumed monthly payments, current balance, and monthly interest charges may be rounded to the nearest cent.","Conditions, exceptions, and limits":"M1 refers to M2; it does not supply a complete machine-arithmetic or currency-tie specification.","Exact authority":"S001(b)(4)(xi); S002. \nConsumer Financial Protection Bureau\n+1"},"coordinator_verification_status":"whole_report_reviewed_selected_primary_checks_only_see_exact_source_bounds","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"R088-P1-C053","area_numbers":[88],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R088-P1-C053","Supported proposition":"The duration estimate is considered accurate within two months above or below the proper benchmark, before the years-display rounding.","Conditions, exceptions, and limits":"The benchmark must respect the issuer’s choice of actual account terms instead of a listed assumption.","Exact authority":"S001(b)(5), first sentence. \nConsumer Financial Protection Bureau"},"coordinator_verification_status":"whole_report_reviewed_selected_primary_checks_only_see_exact_source_bounds","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"R088-P1-C054","area_numbers":[88],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R088-P1-C054","Supported proposition":"A separate sufficient accuracy route exists when the correct rounded number of years is disclosed, even if the underlying duration differs by more than two months.","Conditions, exceptions, and limits":"This is the source’s years-disclosure route, not a general license to substitute any duration or to invent a finite result.","Exact authority":"S001(b)(5), remaining paragraphs. \nConsumer Financial Protection Bureau"},"coordinator_verification_status":"whole_report_reviewed_selected_primary_checks_only_see_exact_source_bounds","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"R088-P1-C055","area_numbers":[88],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R088-P1-C055","Supported proposition":"Minimum-payment total cost totals principal and interest over the calculated minimum-payment duration and is deemed accurate when based on a duration satisfying (b)(5).","Conditions, exceptions, and limits":"Both duration-accuracy routes matter. M1 does not establish a separate universal percentage tolerance for this cost.","Exact authority":"S001(c). \nConsumer Financial Protection Bureau"},"coordinator_verification_status":"whole_report_reviewed_selected_primary_checks_only_see_exact_source_bounds","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"R088-P1-C056","area_numbers":[88],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R088-P1-C056","Supported proposition":"The comparison estimates a payment sufficient to pay the statement balance within thirty-six months while assuming the same amount each month for thirty-six months.","Conditions, exceptions, and limits":"The estimate is not a contractual payment change or affordability finding.","Exact authority":"S001(d)(1). \nConsumer Financial Protection Bureau"},"coordinator_verification_status":"whole_report_reviewed_selected_primary_checks_only_see_exact_source_bounds","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"R088-P1-C057","area_numbers":[88],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R088-P1-C057","Supported proposition":"A balance-weighted APR method is permitted for the comparison.","Conditions, exceptions, and limits":"It uses applicable APRs and the portions of the balance to which they apply; it is not exclusive.","Exact authority":"S001(d)(2), opening sentence. \nConsumer Financial Protection Bureau"},"coordinator_verification_status":"whole_report_reviewed_selected_primary_checks_only_see_exact_source_bounds","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"R088-P1-C058","area_numbers":[88],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R088-P1-C058","Supported proposition":"When that method is used with a non-deferred promotional APR, the promotional and successor rates are weighted by the fractions of the thirty-six-month comparison for which each applies.","Conditions, exceptions, and limits":"Actual duration and successor rate remain necessary inputs.","Exact authority":"S001(d)(2). \nConsumer Financial Protection Bureau"},"coordinator_verification_status":"whole_report_reviewed_selected_primary_checks_only_see_exact_source_bounds","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"R088-P1-C059","area_numbers":[88],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R088-P1-C059","Supported proposition":"Deferred-interest treatment in the weighted-rate comparison again uses the minimum-payment-before-expiration test.","Conditions, exceptions, and limits":"It does not simply assume that paying the thirty-six-month estimate avoids deferred interest.","Exact authority":"S001(d)(2), deferred-interest paragraphs. \nConsumer Financial Protection Bureau"},"coordinator_verification_status":"whole_report_reviewed_selected_primary_checks_only_see_exact_source_bounds","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"R088-P1-C060","area_numbers":[88],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R088-P1-C060","Supported proposition":"A method other than weighted APR is permitted if it produces the same payment each month and the total pays the statement balance within thirty-six months.","Conditions, exceptions, and limits":"Both conditions are necessary; no alternative implementation is created here.","Exact authority":"S001(d)(2), final sentence. \nConsumer Financial Protection Bureau"},"coordinator_verification_status":"whole_report_reviewed_selected_primary_checks_only_see_exact_source_bounds","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"R088-P1-C061","area_numbers":[88],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R088-P1-C061","Supported proposition":"The comparison must use paragraph (b)’s terms as appropriate.","Conditions, exceptions, and limits":"“As appropriate” does not authorize ignoring the comparison’s equal-payment requirement or the special rate rules.","Exact authority":"S001(d)(3). \nConsumer Financial Protection Bureau"},"coordinator_verification_status":"whole_report_reviewed_selected_primary_checks_only_see_exact_source_bounds","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"R088-P1-C062","area_numbers":[88],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R088-P1-C062","Supported proposition":"The comparison payment is considered accurate if no more than ten percent above or below the proper estimate after the referenced rounding.","Conditions, exceptions, and limits":"This tolerance concerns the specified disclosure estimate, not proof of a website’s overall accuracy or compliance.","Exact authority":"S001(d)(4). \nConsumer Financial Protection Bureau"},"coordinator_verification_status":"whole_report_reviewed_selected_primary_checks_only_see_exact_source_bounds","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"R088-P1-C063","area_numbers":[88],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R088-P1-C063","Supported proposition":"The thirty-six-month total cost totals principal and interest paid using the paragraph (d) monthly payment for thirty-six months.","Conditions, exceptions, and limits":"It is considered accurate when based on a payment calculated in accordance with (d).","Exact authority":"S001(e). \nConsumer Financial Protection Bureau"},"coordinator_verification_status":"whole_report_reviewed_selected_primary_checks_only_see_exact_source_bounds","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"R088-P1-C064","area_numbers":[88],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R088-P1-C064","Supported proposition":"Savings subtracts the separately rounded thirty-six-month cost from the separately rounded minimum-payment cost.","Conditions, exceptions, and limits":"The same dollar-or-cent display choice governs both components; rounding only the raw difference is not the stated sequence.","Exact authority":"S001(f); S003 comment 7(b)(12)-1. \nConsumer Financial Protection Bureau\n+1"},"coordinator_verification_status":"whole_report_reviewed_selected_primary_checks_only_see_exact_source_bounds","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"R088-P1-C065","area_numbers":[88],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R088-P1-C065","Supported proposition":"Savings accuracy depends on compliant paragraph (c) and (e) costs.","Conditions, exceptions, and limits":"The defined comparison does not establish realized savings, settlement savings, or savings net of unexamined fees, taxes, or unresolved obligations.","Exact authority":"S001(c), (e), (f); bounded scope inference. \nConsumer Financial Protection Bureau"},"coordinator_verification_status":"whole_report_reviewed_selected_primary_checks_only_see_exact_source_bounds","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"R088-P1-C066","area_numbers":[88],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R088-P1-C066","Supported proposition":"M2 labels its calculation an example using three APRs, one promotional, and a specified minimum formula.","Conditions, exceptions, and limits":"Its supplied parameters are source illustrations, not new inputs for this report.","Exact authority":"S002 introduction and code comments. \nfederalregister.gov"},"coordinator_verification_status":"whole_report_reviewed_selected_primary_checks_only_see_exact_source_bounds","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"R088-P1-C067","area_numbers":[88],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R088-P1-C067","Supported proposition":"M2 computes its periodic rates by dividing the decimal annual rate by 365 and multiplying by its month-length parameter, 365/12.","Conditions, exceptions, and limits":"This is the sample’s selected convention, not an actual APR determination under all of Regulation Z.","Exact authority":"S002 periodic-rate statements; S009 M2, 7848/index 190. \nConsumer Financial Protection Bureau\n+1"},"coordinator_verification_status":"whole_report_reviewed_selected_primary_checks_only_see_exact_source_bounds","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"R088-P1-C068","area_numbers":[88],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R088-P1-C068","Supported proposition":"M2 time-weights its promotional periodic rate and successor periodic rate using expm/36.","Conditions, exceptions, and limits":"Its sentinel and promotional-period parameter require context; the sample is not a general expiry-date engine.","Exact authority":"S002 xperrate1a statement. \nfederalregister.gov"},"coordinator_verification_status":"whole_report_reviewed_selected_primary_checks_only_see_exact_source_bounds","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"R088-P1-C069","area_numbers":[88],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R088-P1-C069","Supported proposition":"M2 forms a balance-weighted periodic rate by dividing the sum of balance-times-rate products by total balance.","Conditions, exceptions, and limits":"The displayed division needs a nonzero denominator; no zero-total-balance branch is supplied there.","Exact authority":"S002 perrate36 statement. \nfederalregister.gov"},"coordinator_verification_status":"whole_report_reviewed_selected_primary_checks_only_see_exact_source_bounds","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"R088-P1-C070","area_numbers":[88],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R088-P1-C070","Supported proposition":"M2 uses a present-value annuity factor, rounds the resulting monthly payment to cents, and multiplies it by thirty-six for sample comparison cost.","Conditions, exceptions, and limits":"The displayed factor divides by the periodic rate and does not state a zero-rate branch.","Exact authority":"S002 pvaf, pmt01, sumpmts36. \nfederalregister.gov"},"coordinator_verification_status":"whole_report_reviewed_selected_primary_checks_only_see_exact_source_bounds","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"R088-P1-C071","area_numbers":[88],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R088-P1-C071","Supported proposition":"The sample’s minimum-payment loop calculates the percentage payment from the opening total, applies its dollar floor, then calculates rounded post-interest balances.","Conditions, exceptions, and limits":"The order is source-specific. It is not a universal contractual minimum or universal interest-first rule.","Exact authority":"S002 loop through fc. \necfr.gov\n+1"},"coordinator_verification_status":"whole_report_reviewed_selected_primary_checks_only_see_exact_source_bounds","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"R088-P1-C072","area_numbers":[88],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R088-P1-C072","Supported proposition":"The sample changes its first periodic rate when month >= expm and expm != 0.","Conditions, exceptions, and limits":"The code comment calls expm the last promotional month. That marker is not translated here into an actual contractual expiry event or silently changed.","Exact authority":"S002 promotional comments and loop; S009 original parsed code. \nfederalregister.gov\n+1"},"coordinator_verification_status":"whole_report_reviewed_selected_primary_checks_only_see_exact_source_bounds","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"R088-P1-C073","area_numbers":[88],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R088-P1-C073","Supported proposition":"M2’s final-payment branch sequentially assigns the payment from each positive component balance when its stated trigger occurs.","Conditions, exceptions, and limits":"It does not print a general min(payment,total balance) cap for arbitrary inputs. No generalized replacement is invented.","Exact authority":"S002 final-payment branch; S009 M2. \necfr.gov\n+1"},"coordinator_verification_status":"whole_report_reviewed_selected_primary_checks_only_see_exact_source_bounds","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"R088-P1-C074","area_numbers":[88],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R088-P1-C074","Supported proposition":"M2 has three separate allocation if blocks with the conditions transcribed in § 4 below.","Conditions, exceptions, and limits":"They are preserved as written, not converted into a universal mutually exclusive allocation routine.","Exact authority":"S002 allocation blocks. \necfr.gov\n+1"},"coordinator_verification_status":"whole_report_reviewed_selected_primary_checks_only_see_exact_source_bounds","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"R088-P1-C075","area_numbers":[88],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R088-P1-C075","Supported proposition":"The sample accumulates payments, updates total balance, repeats while total balance is positive, and subtracts whole-dollar-rounded costs for sample savings.","Conditions, exceptions, and limits":"Its output label expecting zero balance is not an execution result. Whole-dollar savings is one current permissible choice, not the only choice.","Exact authority":"S002 end of loop and savtot; S001(f). \nConsumer Financial Protection Bureau\n+1"},"coordinator_verification_status":"whole_report_reviewed_selected_primary_checks_only_see_exact_source_bounds","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"R088-P1-C076","area_numbers":[88],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R088-P1-C076","Supported proposition":"M2 does not expressly provide general branches for zero-rate division, zero total balance, non-amortization, arbitrary negative inputs, or all promotional/allocation configurations.","Conditions, exceptions, and limits":"This is a bounded observation about the complete sample read. The regulator’s prose and disclosure exceptions remain controlling; no missing algorithm is supplied.","Exact authority":"S002 complete code; S001(d)(2); S003 § 7(b)(12)(ii), (v). \nfederalregister.gov\n+2"},"coordinator_verification_status":"whole_report_reviewed_selected_primary_checks_only_see_exact_source_bounds","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"R088-P1-C077","area_numbers":[88],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R088-P1-C077","Supported proposition":"Supplement I is the vehicle for official Regulation Z interpretations.","Conditions, exceptions, and limits":"It is not a CFPB circular or advisory opinion. No circular/bulletin/advisory opinion is relied upon in this report.","Exact authority":"S007 Introduction ¶¶ 1–2; Appendix C. \nConsumer Financial Protection Bureau\n+1"},"coordinator_verification_status":"whole_report_reviewed_selected_primary_checks_only_see_exact_source_bounds","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"R088-P1-C078","area_numbers":[88],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R088-P1-C078","Supported proposition":"Section 1640(f) provides a specified good-faith-conformity protection even if the relevant rule or interpretation is later changed or invalidated.","Conditions, exceptions, and limits":"It identifies particular liability provisions and authorized interpretations. Actual good faith, conformity, authorization, and liability are absent; §§ 1607 and 1611 are not comprehensively analyzed.","Exact authority":"S006 § 1640(f), complete paragraph. \nuscode.house.gov"},"coordinator_verification_status":"whole_report_reviewed_selected_primary_checks_only_see_exact_source_bounds","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"R088-P1-C079","area_numbers":[88],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R088-P1-C079","Supported proposition":"Appendix C says interpretations will not approve creditors’ forms, statements, or calculation tools/methods, with an exception for government-required or sanctioned ones.","Conditions, exceptions, and limits":"Reading M1 or copying M2 is not an approval of an actual tool.","Exact authority":"S007, “Scope of Interpretations.” \nConsumer Financial Protection Bureau"},"coordinator_verification_status":"whole_report_reviewed_selected_primary_checks_only_see_exact_source_bounds","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"R088-P1-C080","area_numbers":[88],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R088-P1-C080","Supported proposition":"The toll-free information duty covers at least three approved counseling organizations, to the extent official information is available, and requires at-least-annual updating.","Conditions, exceptions, and limits":"The issuer selects the billing-address state or consumer-specified state. No organization, address, or roster was queried.","Exact authority":"S003 § 7(b)(12)(iv)(A)–(B). \nConsumer Financial Protection Bureau"},"coordinator_verification_status":"whole_report_reviewed_selected_primary_checks_only_see_exact_source_bounds","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"R088-P1-C081","area_numbers":[88],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R088-P1-C081","Supported proposition":"Approved budget/credit-counseling agencies and approved personal-financial-management courses are distinct referenced categories.","Conditions, exceptions, and limits":"A course approval under § 111(a)(2) does not substitute for the referenced § 111(a)(1) category. Full approval/eligibility predicates remain held.","Exact authority":"S015 § 111(a); S003 comment 7(b)(12)(iv)-1. \nuscode.house.gov\n+1"},"coordinator_verification_status":"whole_report_reviewed_selected_primary_checks_only_see_exact_source_bounds","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"R088-P1-C082","area_numbers":[88],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R088-P1-C082","Supported proposition":"Commentary permits use of official-source information and certain organization-requested alternate details, but requires omission if the approved organization requests it.","Conditions, exceptions, and limits":"It does not require unavailable official information. No actual request or listing is examined.","Exact authority":"S003 comment 7(b)(12)(iv)-2.i–ii. \nConsumer Financial Protection Bureau"},"coordinator_verification_status":"whole_report_reviewed_selected_primary_checks_only_see_exact_source_bounds","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"R088-P1-C083","area_numbers":[88],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R088-P1-C083","Supported proposition":"Additional language-service information or an official-site pointer may be provided.","Conditions, exceptions, and limits":"Merely giving the specified official-site address does not itself assert approval for purposes of the separate approval-description condition.","Exact authority":"S003 comment 7(b)(12)(iv)-2.iii. \nConsumer Financial Protection Bureau"},"coordinator_verification_status":"whole_report_reviewed_selected_primary_checks_only_see_exact_source_bounds","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"R088-P1-C084","area_numbers":[88],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R088-P1-C084","Supported proposition":"If approval is described, the commentary requires qualifications about minimum pre-bankruptcy standards, unreviewed other services, and non-endorsement.","Conditions, exceptions, and limits":"Approval is not a universal recommendation or validation of all services.","Exact authority":"S003 comment 7(b)(12)(iv)-2.iv.A–C. \nConsumer Financial Protection Bureau"},"coordinator_verification_status":"whole_report_reviewed_selected_primary_checks_only_see_exact_source_bounds","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"R088-P1-C085","area_numbers":[88],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R088-P1-C085","Supported proposition":"Automated/general-service telephone systems, third-party maintenance, and an additional website route are permitted subject to stated conditions.","Conditions, exceptions, and limits":"The counseling option must be prominent; the first-menu condition allows a preceding language menu. A website is additional to the required number, with the specified direct-access/official-site alternative.","Exact authority":"S003 comments 7(b)(12)(iv)-3 through -6. \nConsumer Financial Protection Bureau"},"coordinator_verification_status":"whole_report_reviewed_selected_primary_checks_only_see_exact_source_bounds","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"R088-P1-C086","area_numbers":[88],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R088-P1-C086","Supported proposition":"Requested counseling information must precede advertising/marketing, except the issuer’s name.","Conditions, exceptions, and limits":"Educational material that does not solicit business is distinguished; the commentary applies the ordering rule to telephone and website routes.","Exact authority":"S003 comment 7(b)(12)(iv)-7.i–ii. \nConsumer Financial Protection Bureau"},"coordinator_verification_status":"whole_report_reviewed_selected_primary_checks_only_see_exact_source_bounds","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"R088-P1-C087","area_numbers":[88],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R088-P1-C087","Supported proposition":"CARD Act § 201 adopted the repayment-information framework and related rulemaking instruction.","Conditions and limits":"Original “Board” wording is historical; current statutory text uses “Bureau.” The complete original § 201 was read, but no current remedy calculation is made from its liability amendment.","Exact authority":"S008 § 201(a)–(c); S006 current § 1637. \ngovinfo.gov\n+1"},"coordinator_verification_status":"whole_report_reviewed_selected_primary_checks_only_see_exact_source_bounds","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"R088-P1-C088","area_numbers":[88],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R088-P1-C088","Supported proposition":"CARD Act § 3 supplies a nine-month default effective period, subject to specifically provided exceptions; § 201(c) separately sets a six-month guideline period.","Conditions and limits":"No actual deadline is computed. A complete Act-wide exceptions history is not claimed.","Exact authority":"S008 § 3; § 201(c)(1). \ngovinfo.gov\n+1"},"coordinator_verification_status":"whole_report_reviewed_selected_primary_checks_only_see_exact_source_bounds","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"R088-P1-C089","area_numbers":[88],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R088-P1-C089","Supported proposition":"The 2010 final rule added Part 226 M1 and M2 through instructions 24 and 24a.","Conditions and limits":"The older appendix title found in historical annual-code discovery is not substituted for the adopted repayment-disclosure body.","Exact authority":"S009 instructions 24/24a and adopted appendices. \ngovinfo.gov\n+2"},"coordinator_verification_status":"whole_report_reviewed_selected_primary_checks_only_see_exact_source_bounds","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"R088-P1-C090","area_numbers":[88],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R088-P1-C090","Supported proposition":"The 2010 rule’s selected repayment-statement requirements applied to statements mailed or delivered on or after February 22, 2010.","Conditions and limits":"The rule distinguished this from July 1, 2010 compliance for other provisions. Receipt, payment due date, and mailing/delivery are not interchangeable triggers.","Exact authority":"S009 Dates; selected “Content requirements (§ 226.7)” application paragraph. \ngovinfo.gov\n+1"},"coordinator_verification_status":"whole_report_reviewed_selected_primary_checks_only_see_exact_source_bounds","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"R088-P1-C091","area_numbers":[88],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R088-P1-C091","Supported proposition":"The 2011 adopted revision to M1(f) added the cent-rounding alternative for cost-component subtraction.","Conditions and limits":"Original whole-dollar-only wording is historical. The adopted publication contains a cross-reference misprint; current republished/codified text is separately read.","Exact authority":"S010 instruction 15; S011 M1(f); S001(f). \ngovinfo.gov\n+2"},"coordinator_verification_status":"whole_report_reviewed_selected_primary_checks_only_see_exact_source_bounds","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"R088-P1-C092","area_numbers":[88],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R088-P1-C092","Supported proposition":"The 2011 amendment was effective/mandatory October 1, 2011, allowed earlier compliance, and described prospective application generally including existing and new accounts/balances.","Conditions and limits":"Its periodic-statement trigger is mailing or delivery on/after that date, not later receipt.","Exact authority":"S010 Dates; IV.A–B, E. \ngovinfo.gov\n+2"},"coordinator_verification_status":"whole_report_reviewed_selected_primary_checks_only_see_exact_source_bounds","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"R088-P1-C093","area_numbers":[88],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R088-P1-C093","Supported proposition":"The May 31, 2011 correction was read completely and does not enumerate an M1 revision.","Conditions and limits":"This does not prove that no other correction or later amendment exists.","Exact authority":"S010 correction, complete body. \ngovinfo.gov"},"coordinator_verification_status":"whole_report_reviewed_selected_primary_checks_only_see_exact_source_bounds","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"R088-P1-C094","area_numbers":[88],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R088-P1-C094","Supported proposition":"The December 2011 publication added CFPB Part 1026 and republished M1/M2; its effective date was December 30, 2011.","Conditions and limits":"The rulemaking describes technical/conforming republication. This report does not independently certify every provision of that large rule.","Exact authority":"S011 Dates, Authority and Issuance, M1/M2. \nfederalregister.gov\n+3"},"coordinator_verification_status":"whole_report_reviewed_selected_primary_checks_only_see_exact_source_bounds","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"R088-P1-C095","area_numbers":[88],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R088-P1-C095","Supported proposition":"The April 2016 rule finalized the December 2011 interim rules subject to intervening amendments, including the identified Regulation Z publication.","Conditions and limits":"Its amendment list is not a completed read of every listed instrument.","Exact authority":"S012 Dates; Authority and Issuance, item M. \ngovinfo.gov\n+2"},"coordinator_verification_status":"whole_report_reviewed_selected_primary_checks_only_see_exact_source_bounds","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"R088-P1-C096","area_numbers":[88],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R088-P1-C096","Supported proposition":"Original-source failures and absent visual verification remain limitations.","Conditions and limits":"Successful alternate HTML/parsed-PDF access does not retroactively establish access to failed originals or unseen pixels.","Exact authority":"Source register and read/failure log below."},"coordinator_verification_status":"whole_report_reviewed_selected_primary_checks_only_see_exact_source_bounds","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"R088-P1-C097","area_numbers":[88],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R088-P1-C097","Supported proposition":"The selected methods do not provide a complete general algorithm for every input domain or full specialized-product classification.","Conditions and limits":"Zero/negative input handling, all rounding ties, complete prepaid scope, actual contract conventions, and exhaustive later history remain unresolved where specified below.","Exact authority":"S001–S005, S002 complete sample; bounded read-limit finding."},"coordinator_verification_status":"whole_report_reviewed_selected_primary_checks_only_see_exact_source_bounds","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"R088-P1-C098","area_numbers":[88],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R088-P1-C098","Supported proposition":"A disclosed duration, payment, cost, or savings estimate does not establish actual payoff, contractual amendment, creditor acceptance, release, or affordability.","Conditions and limits":"These are distinct absent predicates, not alternative outputs supplied by M1.","Exact authority":"S001(b)–(f); S003 § 7(b)(12); scope inference. \nConsumer Financial Protection Bureau\n+2"},"coordinator_verification_status":"whole_report_reviewed_selected_primary_checks_only_see_exact_source_bounds","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"R088-P1-C099","area_numbers":[88],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R088-P1-C099","Supported proposition":"The selected sources do not supply empirical proof of behavioral benefit or a universal consumer ranking.","Conditions and limits":"The report makes no causal, adherence, suitability, or realized-savings claim.","Exact authority":"S001–S003, limited calculation/disclosure subject matter."},"coordinator_verification_status":"whole_report_reviewed_selected_primary_checks_only_see_exact_source_bounds","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"R088-P1-C100","area_numbers":[88],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R088-P1-C100","Supported proposition":"Actual APR determination, payment allocation, settlement/consolidation/transfer comparisons, garnishment, tax, and full remedies require separate authorities and facts.","Conditions and limits":"Prior components are not incorporated; the identified pointers remain unexamined here.","Exact authority":"Scope boundary from S001 and S003; parent holds."},"coordinator_verification_status":"whole_report_reviewed_selected_primary_checks_only_see_exact_source_bounds","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false}],"sources":[{"source_id":"R088-P1-S001 — CFPB; Appendix M1 to Part 1026, Repayment Disclosures","urls":["https://www.consumerfinance.gov/rules-policy/regulations/1026/m1/","https://www.ecfr.gov/current/title-12/chapter-X/part-1026/appendix-Appendix%20M1%20to%20Part%201026","https://www.consumerfinance.gov/rules-policy/regulations/1026/m1/?utm_source=chatgpt.com","https://www.ecfr.gov/current/title-12/chapter-X/part-1026/appendix-Appendix%20M1%20to%20Part%201026?utm_source=chatgpt.com"],"researcher_record":{"Source ID; issuer and title":"R088-P1-S001 — CFPB; Appendix M1 to Part 1026, Repayment Disclosures","Complete literal HTTPS URLs":"https://www.consumerfinance.gov/rules-policy/regulations/1026/m1/\nhttps://www.ecfr.gov/current/title-12/chapter-X/part-1026/appendix-Appendix%20M1%20to%20Part%201026","Exact read bounds":"Complete CFPB body: (a)(1)–(2); (b)(1)–(5), including (b)(4)(i)–(xi); (c); (d)(1)–(4); (e); (f). Selected matching eCFR passages and its status banner.","Displayed version, legal status, effective/application information, access and limits":"CFPB: “This version is the current regulation,” without an appendix-specific edition date. Initial eCFR display: Title 12 up to date October 23, 2026, title last amended October 23, 2026. Those are title-level labels, not proof of an M1 amendment that day. Codified regulatory calculation instructions, with mandatory and permissive clauses. Access October 28, 2026 PDT. Necessary adoption history is S009–S012. \nConsumer Financial Protection Bureau\n+4"},"coordinator_verification_status":"selected_primary_bodies_checked_with_explicit_bounds","coordinator_read_bounds":"Complete displayed current Appendix M1(a)-(f), lines54-123 in packet02; initial packet01 landing/context. All definitions, formula selection, eleven optional assumption/account-term choices, duration and payment tolerances, cost/savings order compared. No new eCFR banner reconciliation, original adoption or intervening-law audit.","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-28T09:20:43.874154+00:00"},{"source_id":"R088-P1-S002 — CFPB; Appendix M2, Sample Calculations of Repayment Disclosures","urls":["https://www.consumerfinance.gov/rules-policy/regulations/1026/m2/","https://www.ecfr.gov/current/title-12/chapter-X/part-1026/appendix-Appendix%20M2%20to%20Part%201026","https://www.consumerfinance.gov/rules-policy/regulations/1026/m2/?utm_source=chatgpt.com","https://www.ecfr.gov/current/title-12/chapter-X/part-1026/appendix-Appendix%20M2%20to%20Part%201026?utm_source=chatgpt.com"],"researcher_record":{"Source ID; issuer and title":"R088-P1-S002 — CFPB; Appendix M2, Sample Calculations of Repayment Disclosures","Complete literal HTTPS URLs":"https://www.consumerfinance.gov/rules-policy/regulations/1026/m2/\nhttps://www.ecfr.gov/current/title-12/chapter-X/part-1026/appendix-Appendix%20M2%20to%20Part%201026","Exact read bounds":"Complete CFPB introduction, variable comments, inputs, calculation code, output statements, and closing run statement. Selected corresponding eCFR code.","Displayed version, legal status, effective/application information, access and limits":"CFPB current-regulation label. The retrieved eCFR page displayed Title 12 currency October 6, 2026 and last amendment October 2, 2026—different from the M1 retrieval. A codified example, not an independently verified implementation. No execution or computed output. Access October 28 PDT. Original sample also read in S009 and S011. \nConsumer Financial Protection Bureau\n+4"},"coordinator_verification_status":"selected_primary_bodies_checked_with_explicit_bounds","coordinator_read_bounds":"Complete displayed current Appendix M2 introductory explanation and sample SAS code, lines54-213 in packet03. Read inputs/weighted-rate/annuity and full loop/rounding/output statements; no code executed, account created or actual results produced. Joined parsed operators treated as source-transcription limits, not software authentication.","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-28T09:20:43.874154+00:00"},{"source_id":"R088-P1-S003 — CFPB; § 1026.7 and Supplement I repayment-disclosure interpretations","urls":["https://www.consumerfinance.gov/rules-policy/regulations/1026/7/","https://www.consumerfinance.gov/rules-policy/regulations/1026/interp-7/","https://www.consumerfinance.gov/rules-policy/regulations/1026/7/?utm_source=chatgpt.com","https://www.consumerfinance.gov/rules-policy/regulations/1026/interp-7/?utm_source=chatgpt.com"],"researcher_record":{"Source ID; issuer and title":"R088-P1-S003 — CFPB; § 1026.7 and Supplement I repayment-disclosure interpretations","Complete literal HTTPS URLs":"https://www.consumerfinance.gov/rules-policy/regulations/1026/7/\nhttps://www.consumerfinance.gov/rules-policy/regulations/1026/interp-7/","Exact read bounds":"Complete § 1026.7(b)(12)(i)–(v), including all subclauses; complete (b)(13); comments 7(b)(12)-1, 7(b)(12)(i)(F)-1, 7(b)(12)(iv)-1 through -7, 7(b)(12)(v)-1, and 7(b)(13)-1.","Displayed version, legal status, effective/application information, access and limits":"Current CFPB regulatory/official-interpretation display. Regulation and Supplement I are distinguished. No claim of reading all § 1026.7 or all Supplement I. Appendix G sample images were not visually examined. Access October 28 PDT. \nConsumer Financial Protection Bureau\n+2"},"coordinator_verification_status":"selected_primary_bodies_checked_with_explicit_bounds","coordinator_read_bounds":"Complete selected §1026.7(b)(12) and (b)(13), including displayed associated interpretations and all counseling comments1-7; packet04 lines411-507, with selected preceding context345-410. All comparison exceptions, nonamortization replacement, general exemptions and format crossreferences compared. Whole §7, referenced model-form pixels, external counseling-approval law and actual providers not reviewed.","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-28T09:20:43.874154+00:00"},{"source_id":"R088-P1-S004 — CFPB/OFR; narrow Regulation Z authority and definitions","urls":["https://www.consumerfinance.gov/rules-policy/regulations/1026/1/","https://www.consumerfinance.gov/rules-policy/regulations/1026/2/","https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-A/section-1026.2","https://www.consumerfinance.gov/rules-policy/regulations/1026/1/?utm_source=chatgpt.com","https://www.consumerfinance.gov/rules-policy/regulations/1026/2/?utm_source=chatgpt.com","https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-A/section-1026.2?utm_source=chatgpt.com"],"researcher_record":{"Source ID; issuer and title":"R088-P1-S004 — CFPB/OFR; narrow Regulation Z authority and definitions","Complete literal HTTPS URLs":"https://www.consumerfinance.gov/rules-policy/regulations/1026/1/\nhttps://www.consumerfinance.gov/rules-policy/regulations/1026/2/\nhttps://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-A/section-1026.2","Exact read bounds":"§ 1026.1(a); selected purpose context. Complete material definitions in § 1026.2(a)(4), (7), (8), (11), (12), (14), (15), (17), (20), (21), and (22); reliance on creditor coverage is limited to the relevant (17)(iii) route. Selected billing-cycle and card-definition commentary.","Displayed version, legal status, effective/application information, access and limits":"CFPB current label. Retrieved eCFR § 1026.2 banner: up to date October 26, 2026; Title 12 last amended October 23, 2026. Material (a)(15) display discrepancy is addressed by S013–S014. Full § 1026.61 prepaid-credit coverage and all general Regulation Z exemptions are held. Access October 28 PDT. \nConsumer Financial Protection Bureau\n+6"},"coordinator_verification_status":"selected_primary_bodies_checked_with_explicit_bounds","coordinator_read_bounds":"Complete selected §1026.2(a)(4),(7),(8),(11),(12),(14),(15),(17)(iii),(20),(21),(22), including their displayed interpretations; packets05/08/09 supply119-129,143-165,182-205,215-294,347-354,400-461. Packet05 ended196, completed next segments rather than assuming truncation supplied missing text. Other authority/definitions and incorporated hybrid-prepaid/regulatory regimes remain unreviewed; no whole §2/§1 verification.","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-28T09:20:43.874154+00:00"},{"source_id":"R088-P1-S005 — CFPB; periodic-statement trigger","urls":["https://www.consumerfinance.gov/rules-policy/regulations/1026/5/","https://www.consumerfinance.gov/rules-policy/regulations/1026/5/?utm_source=chatgpt.com"],"researcher_record":{"Source ID; issuer and title":"R088-P1-S005 — CFPB; periodic-statement trigger","Complete literal HTTPS URLs":"https://www.consumerfinance.gov/rules-policy/regulations/1026/5/","Exact read bounds":"Complete § 1026.5(b)(2)(i), and comments 5(b)(2)(i)-1 through -4. Reliance limited to statement requirement, exceptions, and continuation when draw privileges end without conversion.","Displayed version, legal status, effective/application information, access and limits":"Current regulatory and official-interpretation display. Full delivery-timing, billing-error, and collection regimes were not investigated. Access October 28 PDT. \nConsumer Financial Protection Bureau"},"coordinator_verification_status":"not_freshly_reopened","coordinator_read_bounds":"Not freshly reopened; original access/history/currentness/incorporation/application limits remain.","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-28T09:20:43.874154+00:00"},{"source_id":"R088-P1-S006 — Congress/OLRC; narrow TILA authority, repayment disclosure, and interpretation-effect clauses","urls":["https://uscode.house.gov/us/usc/119-134/t15/s1637/","https://uscode.house.gov/us/usc/119-134/t15/s1604/","https://uscode.house.gov/us/usc/119-134/t15/s1640/","https://uscode.house.gov/us/usc/119-134/t15/s1637/?utm_source=chatgpt.com","https://uscode.house.gov/us/usc/119-134/t15/s1604/?utm_source=chatgpt.com","https://uscode.house.gov/us/usc/119-134/t15/s1640/?utm_source=chatgpt.com"],"researcher_record":{"Source ID; issuer and title":"R088-P1-S006 — Congress/OLRC; narrow TILA authority, repayment disclosure, and interpretation-effect clauses","Complete literal HTTPS URLs":"https://uscode.house.gov/us/usc/119-134/t15/s1637/\nhttps://uscode.house.gov/us/usc/119-134/t15/s1604/\nhttps://uscode.house.gov/us/usc/119-134/t15/s1640/","Exact read bounds":"§ 1637(b) introductory sentence and complete (b)(11)(A)–(G); relevant 2009/2010 amendment and effective-date notes. Complete § 1604(a). Complete § 1640(f), solely for the official-interpretation boundary.","Displayed version, legal status, effective/application information, access and limits":"Each opened current edition states laws in effect through Public Law 119-134, October 20, 2026. Enacted statutory provisions as compiled by OLRC; editorial notes distinguished from original enactments. No complete TILA, liability, jurisdiction, or post-cutoff history review. Initial legacy-style endpoints failed; current-edition redirects worked. Access October 28 PDT. \nuscode.house.gov\n+5"},"coordinator_verification_status":"not_freshly_reopened","coordinator_read_bounds":"Not freshly reopened; original access/history/currentness/incorporation/application limits remain.","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-28T09:20:43.874154+00:00"},{"source_id":"R088-P1-S007 — CFPB; Appendix C and Supplement I Introduction","urls":["https://www.consumerfinance.gov/rules-policy/regulations/1026/c/","https://www.consumerfinance.gov/rules-policy/regulations/1026/interp-0/","https://www.consumerfinance.gov/rules-policy/regulations/1026/c/?utm_source=chatgpt.com","https://www.consumerfinance.gov/rules-policy/regulations/1026/interp-0/?utm_source=chatgpt.com"],"researcher_record":{"Source ID; issuer and title":"R088-P1-S007 — CFPB; Appendix C and Supplement I Introduction","Complete literal HTTPS URLs":"https://www.consumerfinance.gov/rules-policy/regulations/1026/c/\nhttps://www.consumerfinance.gov/rules-policy/regulations/1026/interp-0/","Exact read bounds":"Complete displayed Appendix C, including official interpretations, request provision, and scope restriction; current Introduction paragraphs 1–4 as displayed. Reliance primarily on official status and the calculation-tool approval boundary.","Displayed version, legal status, effective/application information, access and limits":"Current-regulation labels. These are codified interpretation provisions, not a circular, bulletin, or advisory opinion. No request was prepared or sent. No actual tool approval is inferred. Access October 28 PDT. \nConsumer Financial Protection Bureau\n+1"},"coordinator_verification_status":"selected_primary_bodies_checked_with_explicit_bounds","coordinator_read_bounds":"Complete displayed Appendix C substantive body and appended general interpretation, packet06 lines55-68; complete Supplement I Introduction1-4, packet07 lines54-59. Limited official-status/procedure/construction/tool-approval boundary compared. Underlying TILA liability clause not freshly reopened; no actual submission or tool approval.","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-28T09:20:43.874154+00:00"},{"source_id":"R088-P1-S008 — Congress; Credit CARD Act of 2009, Pub. L. 111-24","urls":["https://www.govinfo.gov/content/pkg/PLAW-111publ24/pdf/PLAW-111publ24.pdf","https://www.govinfo.gov/content/pkg/PLAW-111publ24/pdf/PLAW-111publ24.pdf?utm_source=chatgpt.com"],"researcher_record":{"Source ID; issuer and title":"R088-P1-S008 — Congress; Credit CARD Act of 2009, Pub. L. 111-24","Complete literal HTTPS URLs":"https://www.govinfo.gov/content/pkg/PLAW-111publ24/pdf/PLAW-111publ24.pdf","Exact read bounds":"Complete § 3 effective-date clause, 123 Stat. 1735, PDF index 2; complete § 201(a)–(c), 123 Stat. 1743–1745, indices 10–12; enactment/title context at 123 Stat. 1734, index 1.","Displayed version, legal status, effective/application information, access and limits":"Enacted May 22, 2009. Historical adopted amendment, not a substitute for current § 1637. § 3 contains a nine-month default with an express “except as otherwise specifically provided” qualification; § 201(c) separately contains a rulemaking period. Parsed text only; selected Act clauses, not whole Act. Access October 28 PDT. \ngovinfo.gov\n+1"},"coordinator_verification_status":"not_freshly_reopened","coordinator_read_bounds":"Not freshly reopened; original access/history/currentness/incorporation/application limits remain.","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-28T09:20:43.874154+00:00"},{"source_id":"R088-P1-S009 — Federal Reserve Board; 2010 Regulation Z final rule","urls":["https://www.govinfo.gov/content/pkg/FR-2010-02-22/html/2010-624.htm","https://www.govinfo.gov/content/pkg/FR-2010-02-22/pdf/2010-624.pdf","https://www.govinfo.gov/content/pkg/FR-2010-02-22/html/2010-624.htm?utm_source=chatgpt.com","https://www.govinfo.gov/content/pkg/FR-2010-02-22/pdf/2010-624.pdf?utm_source=chatgpt.com"],"researcher_record":{"Source ID; issuer and title":"R088-P1-S009 — Federal Reserve Board; 2010 Regulation Z final rule","Complete literal HTTPS URLs":"https://www.govinfo.gov/content/pkg/FR-2010-02-22/html/2010-624.htm\nhttps://www.govinfo.gov/content/pkg/FR-2010-02-22/pdf/2010-624.pdf","Exact read bounds":"Dates clause at 75 FR 7658, index 0; complete amendatory instruction 24 and M1(a)–(f), 75 FR 7846–7848, indices 188–190; complete instruction 24a and M2, 7848, index 190. Selected complete repayment-duration explanation and periodic-statement application paragraph.","Displayed version, legal status, effective/application information, access and limits":"Final rule published/effective February 22, 2010; selected statement obligations have that mandatory-compliance date, while other provisions have July 1, 2010. Historical Part 226 adoption. Original M1(f) used whole-dollar savings components; later amendment is S010. HTML and selected parsed PDF, not whole 268-page rule. Screenshot limitations retained. \ngovinfo.gov\n+6"},"coordinator_verification_status":"not_freshly_reopened","coordinator_read_bounds":"Not freshly reopened; original access/history/currentness/incorporation/application limits remain.","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-28T09:20:43.874154+00:00"},{"source_id":"R088-P1-S010 — Federal Reserve Board; 2011 amendment and correction","urls":["https://www.govinfo.gov/content/pkg/FR-2011-04-25/html/2011-8843.htm","https://www.govinfo.gov/content/pkg/FR-2011-04-25/pdf/2011-8843.pdf","https://www.govinfo.gov/content/pkg/FR-2011-05-31/html/2011-12795.htm","https://www.govinfo.gov/content/pkg/FR-2011-04-25/html/2011-8843.htm?utm_source=chatgpt.com","https://www.govinfo.gov/content/pkg/FR-2011-04-25/pdf/2011-8843.pdf?utm_source=chatgpt.com","https://www.govinfo.gov/content/pkg/FR-2011-05-31/html/2011-12795.htm?utm_source=chatgpt.com"],"researcher_record":{"Source ID; issuer and title":"R088-P1-S010 — Federal Reserve Board; 2011 amendment and correction","Complete literal HTTPS URLs":"https://www.govinfo.gov/content/pkg/FR-2011-04-25/html/2011-8843.htm\nhttps://www.govinfo.gov/content/pkg/FR-2011-04-25/pdf/2011-8843.pdf\nhttps://www.govinfo.gov/content/pkg/FR-2011-05-31/html/2011-12795.htm","Exact read bounds":"Complete instruction 15 revising M1(f), printed 76 FR 23004–23005; HTML body complete, parsed PDF beginning at index 56. Dates at 22948, index 0; IV.A–B and IV.E application provisions; relevant adopted § 226.7(b)(12) changes. Complete May 31 correction body, 76 FR 31221–31222, HTML.","Displayed version, legal status, effective/application information, access and limits":"April 25, 2011 final amendment; effective and mandatory October 1, 2011; earlier compliance permitted. Prospective application, ordinarily existing and new accounts/balances; statement mailing/delivery trigger. Correction also effective October 1, 2011; its enumerated corrections do not revise M1. Historical printed cross-reference defects are not silently substituted for current text. Selected amendment, not whole 93-page rule. Access October 28 PDT. \ngovinfo.gov\n+5"},"coordinator_verification_status":"not_freshly_reopened","coordinator_read_bounds":"Not freshly reopened; original access/history/currentness/incorporation/application limits remain.","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-28T09:20:43.874154+00:00"},{"source_id":"R088-P1-S011 — CFPB; 2011 Regulation Z republication","urls":["https://www.federalregister.gov/documents/2011/12/22/2011-31715/truth-in-lending-regulation-z","https://www.federalregister.gov/documents/2011/12/22/2011-31715/truth-in-lending-regulation-z?utm_source=chatgpt.com"],"researcher_record":{"Source ID; issuer and title":"R088-P1-S011 — CFPB; 2011 Regulation Z republication","Complete literal HTTPS URLs":"https://www.federalregister.gov/documents/2011/12/22/2011-31715/truth-in-lending-regulation-z","Exact read bounds":"Dates; Authority and Issuance adding Part 1026; selected explanation of republication; complete republished M1(a)–(f), printed 76 FR 79914–79916; complete M2, 79916–79917. HTML printed-page markers; PDF index unavailable because PDF access failed.","Displayed version, legal status, effective/application information, access and limits":"Published December 22, 2011; interim final rule effective December 30, 2011. This is the original rulemaking’s official FederalRegister.gov HTML presentation, not an inspected official-print PDF. GovInfo HTML failed and PDF exceeded the retrieval limit. Subsequent finalization is S012. Access October 28 PDT. \nfederalregister.gov\n+5"},"coordinator_verification_status":"not_freshly_reopened","coordinator_read_bounds":"Not freshly reopened; original access/history/currentness/incorporation/application limits remain.","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-28T09:20:43.874154+00:00"},{"source_id":"R088-P1-S012 — CFPB; Finalization of Interim Final Rules, subject to intervening amendments","urls":["https://www.govinfo.gov/content/pkg/FR-2016-04-28/html/2016-09431.htm","https://www.govinfo.gov/content/pkg/FR-2016-04-28/html/2016-09431.htm?utm_source=chatgpt.com"],"researcher_record":{"Source ID; issuer and title":"R088-P1-S012 — CFPB; Finalization of Interim Final Rules, subject to intervening amendments","Complete literal HTTPS URLs":"https://www.govinfo.gov/content/pkg/FR-2016-04-28/html/2016-09431.htm","Exact read bounds":"Dates and scope of finalization; operative Authority and Issuance opening and complete item M identifying the Regulation Z republication and listed intervening amendments. Printed 81 FR 25323, 25325–25326; HTML.","Displayed version, legal status, effective/application information, access and limits":"Final rule/official interpretations, effective April 28, 2016. Finalization expressly preserves intervening amendments; reading its list is not reading all listed instruments. Access October 28 PDT. \ngovinfo.gov\n+2"},"coordinator_verification_status":"not_freshly_reopened","coordinator_read_bounds":"Not freshly reopened; original access/history/currentness/incorporation/application limits remain.","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-28T09:20:43.874154+00:00"},{"source_id":"R088-P1-S013 — CFPB; 2024 Overdraft Lending final rule, narrow scope-conflict check","urls":["https://www.govinfo.gov/content/pkg/FR-2024-12-30/pdf/2024-29699.pdf","https://www.govinfo.gov/content/pkg/FR-2024-12-30/pdf/2024-29699.pdf?utm_source=chatgpt.com"],"researcher_record":{"Source ID; issuer and title":"R088-P1-S013 — CFPB; 2024 Overdraft Lending final rule, narrow scope-conflict check","Complete literal HTTPS URLs":"https://www.govinfo.gov/content/pkg/FR-2024-12-30/pdf/2024-29699.pdf","Exact read bounds":"Dates clause, 89 FR 106768, index 0; complete amendatory instruction 5 and replacement § 1026.2(a)(15)(i)–(iv), 106837, index 69.","Displayed version, legal status, effective/application information, access and limits":"Published December 30, 2024, with a stated October 1, 2025 effective date. Not treated as operative authority: S014 disapproved the identified rule. Selected parsed text only, not whole 78-page rule or an overdraft dossier. HTML endpoint failed; PDF was readable. Access October 28 PDT. \ngovinfo.gov\n+3"},"coordinator_verification_status":"not_freshly_reopened","coordinator_read_bounds":"Not freshly reopened; original access/history/currentness/incorporation/application limits remain.","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-28T09:20:43.874154+00:00"},{"source_id":"R088-P1-S014 — Congress; Pub. L. 119-10, overdraft-rule disapproval","urls":["https://www.govinfo.gov/content/pkg/PLAW-119publ10/pdf/PLAW-119publ10.pdf","https://www.govinfo.gov/content/pkg/PLAW-119publ10/pdf/PLAW-119publ10.pdf?utm_source=chatgpt.com"],"researcher_record":{"Source ID; issuer and title":"R088-P1-S014 — Congress; Pub. L. 119-10, overdraft-rule disapproval","Complete literal HTTPS URLs":"https://www.govinfo.gov/content/pkg/PLAW-119publ10/pdf/PLAW-119publ10.pdf","Exact read bounds":"Complete operative resolution and approval line, 139 Stat. 53, PDF index 0.","Displayed version, legal status, effective/application information, access and limits":"Enacted/approved May 9, 2025. Identifies the final rule at 89 FR 106768 and states it has no force or effect. Parsed text fully read; no visual verification claim. Does not itself authenticate every later amendment or every specialized account classification. Access October 28 PDT. \ngovinfo.gov"},"coordinator_verification_status":"selected_primary_bodies_checked_with_explicit_bounds","coordinator_read_bounds":"Entire operative one-page Pub.L.119-10, including identified rule citation, no-force-or-effect clause and May9,2025 approval, packet01. Original2024rule S013 not reopened; this does not settle the whole current definition/intervening-law chain or implement the disapproved rule.","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-28T09:20:43.874154+00:00"},{"source_id":"R088-P1-S015 — Congress/OLRC; 11 USC 111(a), narrow counseling-category incorporation","urls":["https://uscode.house.gov/us/usc/119-134/t11/s111/","https://uscode.house.gov/us/usc/119-134/t11/s111/?utm_source=chatgpt.com"],"researcher_record":{"Source ID; issuer and title":"R088-P1-S015 — Congress/OLRC; 11 USC 111(a), narrow counseling-category incorporation","Complete literal HTTPS URLs":"https://uscode.house.gov/us/usc/119-134/t11/s111/","Exact read bounds":"Complete § 111(a)(1)–(2), solely to distinguish approved nonprofit budget/credit-counseling agencies from approved financial-management instructional courses.","Displayed version, legal status, effective/application information, access and limits":"Compilation through Public Law 119-134, October 20, 2026. Section 109(h) service/eligibility predicates and the full approval regime are held. No roster or organization was opened. Access October 28 PDT. \nuscode.house.gov"},"coordinator_verification_status":"not_freshly_reopened","coordinator_read_bounds":"Not freshly reopened; original access/history/currentness/incorporation/application limits remain.","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-28T09:20:43.874154+00:00"}],"coverage":[{"topic":"1 — Locate actual appendix and inventory organization","researcher_record":{"Request/material subquestion":"1 — Locate actual appendix and inventory organization","Status and finding":"Answered. Complete current CFPB M1(a)–(f) read.","Claim/source/method/branch crosswalk":"C001–C003; S001; organization table; B01","Missing evidence and exact next permissible inquiry":"No claim of whole Regulation Z read. Recheck only a material later M1 amendment if identified."},"raw_table_index":13,"coordinator_acceptance":"scoped_review_complete_selected_source_history_currentness_incorporation_actual_parent_holds_no_component_acceptance","coordinator_review":"[internal evidence reference]"},{"topic":"1 — Nested assumptions, examples, exceptions, notes","researcher_record":{"Request/material subquestion":"1 — Nested assumptions, examples, exceptions, notes","Status and finding":"Answered within M1. All eleven assumptions, definitions, illustrations and cross-referenced method passages accounted for.","Claim/source/method/branch crosswalk":"C033–C065; M001–M045; S001–S002","Missing evidence and exact next permissible inquiry":"Specialized scope incorporations remain separately marked."},"raw_table_index":13,"coordinator_acceptance":"scoped_review_complete_selected_source_history_currentness_incorporation_actual_parent_holds_no_component_acceptance","coordinator_review":"[internal evidence reference]"},{"topic":"1 — Current version/status and visual boundaries","researcher_record":{"Request/material subquestion":"1 — Current version/status and visual boundaries","Status and finding":"Partial. Current official display and selected original history established; visual and exhaustive-history limits remain.","Claim/source/method/branch crosswalk":"C002–C003, C096–C097; S001–S014; B01, B39","Missing evidence and exact next permissible inquiry":"Official original PDF/image availability and unexamined later chain."},"raw_table_index":13,"coordinator_acceptance":"scoped_review_complete_selected_source_history_currentness_incorporation_actual_parent_holds_no_component_acceptance","coordinator_review":"[internal evidence reference]"},{"topic":"2 — Account/product/actor/purpose scope","researcher_record":{"Request/material subquestion":"2 — Account/product/actor/purpose scope","Status and finding":"Answered boundary; specialized application partial. Consumer/open-end/card category and material exclusions traced.","Claim/source/method/branch crosswalk":"C009–C025; S003–S005; B02–B11","Missing evidence and exact next permissible inquiry":"Full § 1026.61 and general jurisdiction/exemptions; next narrow public scope read only."},"raw_table_index":13,"coordinator_acceptance":"scoped_review_complete_selected_source_history_currentness_incorporation_actual_parent_holds_no_component_acceptance","coordinator_review":"[internal evidence reference]"},{"topic":"2 — Disclosure versus actual payment/payoff","researcher_record":{"Request/material subquestion":"2 — Disclosure versus actual payment/payoff","Status and finding":"Answered. Calculation obligation separated from actual contract/payment result.","Claim/source/method/branch crosswalk":"C022, C035, C056, C098; comparison table; B12, B41","Missing evidence and exact next permissible inquiry":"Actual facts excluded; separate generic payment/contract authority needed for another component."},"raw_table_index":13,"coordinator_acceptance":"scoped_review_complete_selected_source_history_currentness_incorporation_actual_parent_holds_no_component_acceptance","coordinator_review":"[internal evidence reference]"},{"topic":"2 — Alternatives, tolerances and exemptions","researcher_record":{"Request/material subquestion":"2 — Alternatives, tolerances and exemptions","Status and finding":"Answered. Distinct comparison exceptions, non-amortization route, method choices and accuracy routes preserved.","Claim/source/method/branch crosswalk":"C023–C031, C053–C065; B25–B36","Missing evidence and exact next permissible inquiry":"No actual applicability determination."},"raw_table_index":13,"coordinator_acceptance":"scoped_review_complete_selected_source_history_currentness_incorporation_actual_parent_holds_no_component_acceptance","coordinator_review":"[internal evidence reference]"},{"topic":"3 — Minimum-payment method and variables","researcher_record":{"Request/material subquestion":"3 — Minimum-payment method and variables","Status and finding":"Answered as source specification. M1 requires applicable formulas; no universal recurrence invented.","Claim/source/method/branch crosswalk":"C035–C055; F01; B12–B25","Missing evidence and exact next permissible inquiry":"Actual formulas and terms absent; general implementations not approved."},"raw_table_index":13,"coordinator_acceptance":"scoped_review_complete_selected_source_history_currentness_incorporation_actual_parent_holds_no_component_acceptance","coordinator_review":"[internal evidence reference]"},{"topic":"3 — Weighted-rate/equal-payment method","researcher_record":{"Request/material subquestion":"3 — Weighted-rate/equal-payment method","Status and finding":"Answered within stated domain. M1 alternatives and M2 formulas transcribed.","Claim/source/method/branch crosswalk":"C056–C070; F02, F04; B27–B28","Missing evidence and exact next permissible inquiry":"Zero-denominator and generalized special-case implementation held."},"raw_table_index":13,"coordinator_acceptance":"scoped_review_complete_selected_source_history_currentness_incorporation_actual_parent_holds_no_component_acceptance","coordinator_review":"[internal evidence reference]"},{"topic":"3 — Interest/payment order, recurrence, cap, stopping and outputs","researcher_record":{"Request/material subquestion":"3 — Interest/payment order, recurrence, cap, stopping and outputs","Status and finding":"Partial generalization; complete sample transcription. Source loop retained, not silently repaired.","Claim/source/method/branch crosswalk":"C071–C076; F03; B32–B34","Missing evidence and exact next permissible inquiry":"Public clarification or correction for a general algorithm; no execution/test dataset."},"raw_table_index":13,"coordinator_acceptance":"scoped_review_complete_selected_source_history_currentness_incorporation_actual_parent_holds_no_component_acceptance","coordinator_review":"[internal evidence reference]"},{"topic":"4 — Rates, promotions and deferred interest","researcher_record":{"Request/material subquestion":"4 — Rates, promotions and deferred interest","Status and finding":"Answered. Separate payment-promotion and APR/deferred-interest treatments.","Claim/source/method/branch crosswalk":"C033–C039, C044, C058–C059; B14–B17, B21, B28","Missing evidence and exact next permissible inquiry":"Actual terms, rates and expiry predicates absent."},"raw_table_index":13,"coordinator_acceptance":"scoped_review_complete_selected_source_history_currentness_incorporation_actual_parent_holds_no_component_acceptance","coordinator_review":"[internal evidence reference]"},{"topic":"4 — Balances, activity, fees and refunds","researcher_record":{"Request/material subquestion":"4 — Balances, activity, fees and refunds","Status and finding":"Answered boundary. Starting point and no-new-activity option traced; fee composition not invented.","Claim/source/method/branch crosswalk":"C040–C043; B18–B20","Missing evidence and exact next permissible inquiry":"Generic finance-charge/fee authorities would be next if necessary; no actual statement."},"raw_table_index":13,"coordinator_acceptance":"scoped_review_complete_selected_source_history_currentness_incorporation_actual_parent_holds_no_component_acceptance","coordinator_review":"[internal evidence reference]"},{"topic":"4 — Timing, accrual, grace, final payment and allocation","researcher_record":{"Request/material subquestion":"4 — Timing, accrual, grace, final payment and allocation","Status and finding":"Answered as assumptions; actual rules excluded.","Claim/source/method/branch crosswalk":"C045–C052; F03; B22–B24","Missing evidence and exact next permissible inquiry":"Actual posting/allocation/accrual law and agreements remain held."},"raw_table_index":13,"coordinator_acceptance":"scoped_review_complete_selected_source_history_currentness_incorporation_actual_parent_holds_no_component_acceptance","coordinator_review":"[internal evidence reference]"},{"topic":"5 — Rounding and duration tolerance","researcher_record":{"Request/material subquestion":"5 — Rounding and duration tolerance","Status and finding":"Answered. Before-rounding two-month test and correct-years route distinguished.","Claim/source/method/branch crosswalk":"C030–C031, C052–C055; F05; M012–M016; B25–B26","Missing evidence and exact next permissible inquiry":"General currency tie handling not supplied."},"raw_table_index":13,"coordinator_acceptance":"scoped_review_complete_selected_source_history_currentness_incorporation_actual_parent_holds_no_component_acceptance","coordinator_review":"[internal evidence reference]"},{"topic":"5 — Payment tolerance and linked cost/savings accuracy","researcher_record":{"Request/material subquestion":"5 — Payment tolerance and linked cost/savings accuracy","Status and finding":"Answered. Ten-percent post-rounding test and cost dependencies traced.","Claim/source/method/branch crosswalk":"C062–C065; F04, F06; B35–B36","Missing evidence and exact next permissible inquiry":"Actual benchmark/output absent."},"raw_table_index":13,"coordinator_acceptance":"scoped_review_complete_selected_source_history_currentness_incorporation_actual_parent_holds_no_component_acceptance","coordinator_review":"[internal evidence reference]"},{"topic":"5 — No/negative amortization","researcher_record":{"Request/material subquestion":"5 — No/negative amortization","Status and finding":"Answered disclosure route. Replacement set identified.","Claim/source/method/branch crosswalk":"C029, C076; B32","Missing evidence and exact next permissible inquiry":"No general executable non-amortization detector supplied."},"raw_table_index":13,"coordinator_acceptance":"scoped_review_complete_selected_source_history_currentness_incorporation_actual_parent_holds_no_component_acceptance","coordinator_review":"[internal evidence reference]"},{"topic":"5 — Zero/negative/very-small inputs and multiple conditions","researcher_record":{"Request/material subquestion":"5 — Zero/negative/very-small inputs and multiple conditions","Status and finding":"Partial. Applicable exemptions and missing sample guards explicitly separated.","Claim/source/method/branch crosswalk":"C019, C025, C069–C076, C097; B33–B34","Missing evidence and exact next permissible inquiry":"Exact public implementation clarification; no textbook fallback added."},"raw_table_index":13,"coordinator_acceptance":"scoped_review_complete_selected_source_history_currentness_incorporation_actual_parent_holds_no_component_acceptance","coordinator_review":"[internal evidence reference]"},{"topic":"6 — Duration/payment/horizon/cost/savings relationships","researcher_record":{"Request/material subquestion":"6 — Duration/payment/horizon/cost/savings relationships","Status and finding":"Answered. All five outputs and dependencies specified.","Claim/source/method/branch crosswalk":"C035, C055–C065; F01–F06; comparison table","Missing evidence and exact next permissible inquiry":"Actual payoff and external/net savings excluded."},"raw_table_index":13,"coordinator_acceptance":"scoped_review_complete_selected_source_history_currentness_incorporation_actual_parent_holds_no_component_acceptance","coordinator_review":"[internal evidence reference]"},{"topic":"6 — Affordability, acceptance and causal benefit","researcher_record":{"Request/material subquestion":"6 — Affordability, acceptance and causal benefit","Status and finding":"Excluded by scope, with boundary answered.","Claim/source/method/branch crosswalk":"C098–C100; B41–B42","Missing evidence and exact next permissible inquiry":"Different law, financial facts and empirical evidence would be required."},"raw_table_index":13,"coordinator_acceptance":"scoped_review_complete_selected_source_history_currentness_incorporation_actual_parent_holds_no_component_acceptance","coordinator_review":"[internal evidence reference]"},{"topic":"7 — Official interpretation and legal effect","researcher_record":{"Request/material subquestion":"7 — Official interpretation and legal effect","Status and finding":"Answered narrow status; full remedies held. Codified commentary, Appendix C and § 1640(f) read.","Claim/source/method/branch crosswalk":"C077–C079; S006–S007; B38","Missing evidence and exact next permissible inquiry":"Full §§ 1607/1611, liability elements, standing and remedies remain unexamined."},"raw_table_index":13,"coordinator_acceptance":"scoped_review_complete_selected_source_history_currentness_incorporation_actual_parent_holds_no_component_acceptance","coordinator_review":"[internal evidence reference]"},{"topic":"7 — Circular/bulletin/advisory withdrawal issue","researcher_record":{"Request/material subquestion":"7 — Circular/bulletin/advisory withdrawal issue","Status and finding":"Not applicable to relied-on sources. None used.","Claim/source/method/branch crosswalk":"C077; S007","Missing evidence and exact next permissible inquiry":"No withdrawal-register inference is made for unrelated guidance."},"raw_table_index":13,"coordinator_acceptance":"scoped_review_complete_selected_source_history_currentness_incorporation_actual_parent_holds_no_component_acceptance","coordinator_review":"[internal evidence reference]"},{"topic":"7 — Ancillary counseling incorporation","researcher_record":{"Request/material subquestion":"7 — Ancillary counseling incorporation","Status and finding":"Answered information boundary; approval regime partial.","Claim/source/method/branch crosswalk":"C080–C086; S003/S015; B37","Missing evidence and exact next permissible inquiry":"§ 109(h) and full approval regime are next only if independently necessary."},"raw_table_index":13,"coordinator_acceptance":"scoped_review_complete_selected_source_history_currentness_incorporation_actual_parent_holds_no_component_acceptance","coordinator_review":"[internal evidence reference]"},{"topic":"8 — Original adoption and rounding amendment","researcher_record":{"Request/material subquestion":"8 — Original adoption and rounding amendment","Status and finding":"Answered selected history. Adopted M1/M2, 2011 f revision and relevant date clauses read.","Claim/source/method/branch crosswalk":"C087–C093; S008–S010; M049–M053","Missing evidence and exact next permissible inquiry":"No entire Act/rule history or actual transition application."},"raw_table_index":13,"coordinator_acceptance":"scoped_review_complete_selected_source_history_currentness_incorporation_actual_parent_holds_no_component_acceptance","coordinator_review":"[internal evidence reference]"},{"topic":"8 — Part 1026 republication/finalization","researcher_record":{"Request/material subquestion":"8 — Part 1026 republication/finalization","Status and finding":"Answered selected history. Original HTML body and finalization clause read.","Claim/source/method/branch crosswalk":"C094–C095; S011–S012; M054–M055","Missing evidence and exact next permissible inquiry":"Failed original PDF and unexamined intervening instruments retained."},"raw_table_index":13,"coordinator_acceptance":"scoped_review_complete_selected_source_history_currentness_incorporation_actual_parent_holds_no_component_acceptance","coordinator_review":"[internal evidence reference]"},{"topic":"8 — Material later scope conflict","researcher_record":{"Request/material subquestion":"8 — Material later scope conflict","Status and finding":"Answered narrow enacted limitation. 2024 adopted definition and 2025 disapproval traced.","Claim/source/method/branch crosswalk":"C015; S013–S014; M056; B05","Missing evidence and exact next permissible inquiry":"Complete subsequent codifier/later-law chain not certified."},"raw_table_index":13,"coordinator_acceptance":"scoped_review_complete_selected_source_history_currentness_incorporation_actual_parent_holds_no_component_acceptance","coordinator_review":"[internal evidence reference]"},{"topic":"9 — Requested comparisons","researcher_record":{"Request/material subquestion":"9 — Requested comparisons","Status and finding":"Answered within selected framework. Provision-specific comparison table supplied.","Claim/source/method/branch crosswalk":"C001–C100 as allocated; comparison table; B41–B42","Missing evidence and exact next permissible inquiry":"Other A088 methodologies remain separate."},"raw_table_index":13,"coordinator_acceptance":"scoped_review_complete_selected_source_history_currentness_incorporation_actual_parent_holds_no_component_acceptance","coordinator_review":"[internal evidence reference]"},{"topic":"10 — Measurement register","researcher_record":{"Request/material subquestion":"10 — Measurement register","Status and finding":"Answered for every relied-on source quantity. Operative, illustrative and historical quantities separated.","Claim/source/method/branch crosswalk":"M001–M056; linked claims/sources","Missing evidence and exact next permissible inquiry":"No actual deadline, financial model or outcome computation."},"raw_table_index":13,"coordinator_acceptance":"scoped_review_complete_selected_source_history_currentness_incorporation_actual_parent_holds_no_component_acceptance","coordinator_review":"[internal evidence reference]"},{"topic":"11 — Conditional branches","researcher_record":{"Request/material subquestion":"11 — Conditional branches","Status and finding":"Answered. B01–B42 each supplies rule, conditions, missing predicates, adverse inference and next inquiry.","Claim/source/method/branch crosswalk":"Branch table","Missing evidence and exact next permissible inquiry":"Application remains excluded; partial authority/method branches expressly identified."},"raw_table_index":13,"coordinator_acceptance":"scoped_review_complete_selected_source_history_currentness_incorporation_actual_parent_holds_no_component_acceptance","coordinator_review":"[internal evidence reference]"},{"topic":"11 — Blank worksheet","researcher_record":{"Request/material subquestion":"11 — Blank worksheet","Status and finding":"Answered. Every entry/analysis/result cell left empty.","Claim/source/method/branch crosswalk":"Section 8","Missing evidence and exact next permissible inquiry":"No request for data, completed form or decision instrument."},"raw_table_index":13,"coordinator_acceptance":"scoped_review_complete_selected_source_history_currentness_incorporation_actual_parent_holds_no_component_acceptance","coordinator_review":"[internal evidence reference]"}],"annotations":{},"corrections":[],"resolved_corrections":[],"review_history":[{"id":"R088-P01-calculation-code-rounding-history-currentness-incorporation-actual-parent-holds-20261028","status":"reviewed_with_selected_source_and_application_holds","at":"2026-10-28T09:20:43.874154+00:00"}]}